People can say what they want, but every investor wants a better life and some sort of luxury. People can make posts about what someone else buy but People don't start investing to keep the same lifestyle especially if they have a crappy lifestyle. Investors put money to work so they have more freedom, security and the ability to enjoy a higher standard of living
$NKE earnings Nike reported fiscal Q1 revenue of $11.21B, down 4% year over year, and EPS of $0.48 versus $0.49 a year ago. Gross margin improved to 42.8%, but Greater China sales fell 22%. Yet there is still people telling you it’s undervalued. Don’t buy the falling knife
I see many beginners posting that they’re new to investing and don’t know where to start. 🤔 As someone who was in a similar situation just a few months ago and learned, here are the 4 ETF types (& ETFs) that are popular among long term investors 😃 : 1) S&P 500: US: $VOO / $SPY / $SPLG Canadian: $VFV / $ZSP / $TPU 2) GROWTH / TECH: US: $QQQ / $VUG / $VGT / $SCHG Canadian: $QQC / $HXQ / $TEC / $ZUQ 3) DIVIDENDS: US: $SCHD / $VYM / $DGRO Canadian: $VDY / $XEI 4) ALL IN ONE / BASKET / Global Exposure: US: $VT / $AVGE Canadian: $ZEQT / $XEQT / $TGRO / $VEQT / $ZGQ I noticed many people following this type of a basic / uncomplicated portfolio and are doing really well for themselves 🔥 For % allocation, you can divide evenly among the ETF categories or allocate a higher % based on your preferences. Just DCA regularly and you should be good. 😎 Some people even just put it all into an all in one etf like $XEQT. This is also a good approach - it is much simpler and it works. Ultimately, it comes to whatever you prefer 🙂 Oh and yea, there are overlaps, but I don’t think there is anything wrong in that though - it would just count as doubling down on good things. 💯 I’m sharing with you all what helped me, but don’t forget to do your own research too! 🙏🏼 read more
We hit 100 followers on Blossom! 🌱 It might just look like a number, but honestly, it means a lot to me. I started Dividend North to share my real investing journey — the wins/loses, the mistakes, the dividends, the options trades (still learning), and everything I’m learning along the way. Seeing 100 people choose to follow that journey is pretty awesome. A big THANK YOU to everyone who has followed, liked, commented, or shared an idea with me. I genuinely enjoy the conversations we’re building here. Still early. Still learning. Still investing. Next stop… 200. 🚀read more
🥳 Back in July, I promised our US community that we'd be opening up an opportunity for you to invest in Blossom in the coming months, and exciting news: we're on track to go live in the next few days! ✅ This round will be open to US accredited investors via a Reg D offering. You qualify as accredited if you have a net worth of over $1M or have an income of >$200K in the past 2 years. 🙋 If you're interested in investing, make sure you join the waitlist (https://forms.gle/UavDoLXwx71nfvue8), as I'll be sending out the link to the waitlist first (since there is limited allocation). If we have space, we may open up a bit of allocation to Canadian accredited investors as well, so feel free to join the waitlist as well if you're interested. 🥲 Unfortunately, raising from US non-accredited investors was too complex and costly for this time around, but we'll be revisiting this next year if we raise again. ✨ A few investment highlights: - ✨ Our total members have ~8x'ed in the past 2 years from ~100,000 to over 850,000 - 💰 Our annualized revenue has ~doubled in the past year from $2.4M in Q2 2025 to $4.7M USD in Q2 2026 - 🤝 Partnerships with some of the largest brands in finance, including Nasdaq, the New York Stock Exchange, Fidelity, State Street, Global X, WisdomTree, and many more. - 💰 Blossom's revenue covers all operating costs except marketing, so the purpose of this additional raise is growth capital. 🫡 Full investment details will be sent via email! 👏 P.S. Huge thanks to our now 2,000 shareholders in the community! Big things in store for Q4 and 2027 🚀read more
A taste of luxury and suddenly I understand corruption Have you seen those reels with that caption? those videos are what came to my mind this morning.... getting a little taste of luxury really makes you think about how nice it would be to have the financial freedom to make things like this a normal part of your life. I had a physio and massage appointment to treat an old injury that’s been aggravated by my new work commute. I was even told I fell asleep and snored 😭😭 While I was lying there, I started doing the math: How much would it cost to do this every week? My work benefits cover healthcare expenses, but obviously there’s a limit. But imagine not being restricted by these limits and genuinely being able to take care of yourself frequently with these kinds of treatments, that's a luxury I want. Not just because I felt better physically, but mentally too. Today actually made me a little sad. I’m working so hard to build a life where I have more freedom, while also realizing how much work it takes just to keep yourself healthy and functioning. I can’t wait to get to a point where I can spoil myself, my family and my friends a little more. Where taking care of ourselves doesn’t require so much financial calculation. Today was a reminder of why we all work so hard! Is there an unexpected reason you realized why investing is important? Take care of yourself, your family and the people you love. Have a good weekend ❤️ read more
Mercado Libre ($MELI) is projected to have $62.24 billion in revenue for FY 2028. Assuming we see margin expansion back to 8% (up from 5.5%) and a 35x P/E multiple we could get a very easy double of the stock price. This assume a MASSIVE slowdown in revenue down to a 25.6% CAGR down from the 50% reported last quarter. I continue to buy Meli at these levels.
In my 20s, I spent 5 years pumped full of prednisone and methotrexate to fight off a rare disease, falling over $40,000 in debt, and even had to get a total hip replacement due to the prednisone destroying the bone in my left hip. Today, I am completely financially free, in the best shape of my life, and I get to spend every day with Soniya, who never left my side, and our three kids. If you are going through a dark time right now, please remember that it gets better. The suffering eventually ends. You just need to outlast it, and then slowly build yourself up. If I could overcome massive debt and a body trying to kill me, you can achieve your dreams too. Let's keep working towards the lives we deserve! I talk more about my experience in this video: https://youtu.be/PiifoiBYd04?si=pKPeVeTXJzmu7sS8
October is here. Or should I say.. UPtober Nazzy nearly +1.5% overnight. Kinda obvious that the market won’t sleep on $MU earnings for long. BUCKLE UP BOY! I should go to sleep.read more
Since common inception, HYLD leads the U.S. equity income peer group with a +23.50% cumulative total return, followed by USCL (+21.48%), HHIS (+15.78%), SDAY (+15.77%), while BIGY (-9.96%) remains negative. The spread continues to show how leverage, overwrite levels, and portfolio construction can create very different outcomes across strategies targeting similar U.S. equity-income exposure. Over shorter periods, leadership has rotated. Over the last 6 months, HHIS (+34.00%) leads, followed by HYLD (+26.60%), USCL (+21.52%), BIGY (+14.75%), and SDAY (+9.42%). Over 3 months, BIGY (+12.20%) and HHIS (+11.39%) have led, while over the last 1 month, HHIS (+9.89%) leads, followed by BIGY (+7.98%), USCL (+5.17%), HYLD (+3.16%), and SDAY (-0.67%).
I am currently 47 years old. Unfortunately in that time frame I have lost a lot of family members. Some (most) were accidents, some to age, some to cancer, and one to suicide. That’s 11 deaths total. Only 1 person out of 11 had a will. When you are grieving the last thing you want to do is close an estate up. It’s even harder if nothing has been prepared in advance. After the initial shock of the death settles (the phase where everyone is usually nice), greed comes through in a most alarming manner. I’ve watched people turn into monsters. Make sure you have a will!!!! or people will fight. I know most people hate thinking about their death or their spouses death but honestly it’s just a fact of life. I’ve personally been the executor of 2 estates now. This is my advice: 1. If your young get life insurance. If you’re retired it’s not worth it. 2. Make sure you have a will. 3. Make sure you have a personal directive. 4. Make sure you have a power of attorney set up. 5. If your married make your spouse the beneficiary of your TFSA and RRSP(has to be done through the account not the will), they will roll into the spouses account without taxation. 6. If you’re married, and you own a house, make sure both names are on the title, joint tenant, NOT tenant in common. This activates right of survivorship on property and doesn’t have to go through the estate. 7. If you’re married, both people should have their name on all the vehicles, joint, otherwise it’s a headache after death. 8. Buy a file folding system. I have a plastic one that has a clasp and handle. 9. Put EVERYTHING in this file folder that would be needed if you died tomorrow. a) all land titles B) information on house insurance so it can either be eventually canceled or name changed over. C) your will (or the location of your will), power of attorney, and personal directive D) the information for your car, car insurance, and registration on vehicles. E) information on life insurance. F) all current year papers needed for filing your taxes. Because the survivor will have to do it and will need that information. G) where your household bills are. ALL OF THEM, electricity, gas, Netflix, magazine, subscriptions everything you can think of that is in their name. Because you are going to have to cancel them. H) their credit card information where to contact to cancel the cards I) birth certificate, SIN numbers, marriage, license, etc. J) information on all your investments accounts, bank accounts, etc. K) anything else you can think of for your situation If you’re married, I’d have one box per person. When you die, the funeral home will issue many death certificates. And your lawyer will give you copies of the will. These will be needed to change over any accounts. Everything else goes through the estate which is taxed and the lawyers take their fees so I’d avoid this as much as possible especially if you’re married. This is why having property in both people‘s names is so important because it doesn’t have to go through probate. I am widowed now and I have my black file folder and my two remaining children know if something happens to me, all they have to do is grab the folder. Everything they need to take care of my estate will be located in this folder. At the beginning of every year, I open this file up and go through everything to make sure it’s up-to-date. If you are young and do not own much or can’t afford a will, you can draft one up but it must be handwritten to be classified as a legal document. You cannot type it out!! If you’re not worth much, everything will most likely be sold to pay your bills and cover your funeral expenses. But you can state who your executor will be in your handwritten will. Disclaimer I’m not a lawyer or an accountant and this is not legal advice. Talk to a lawyer and talk to an accountant. Make sure everything is set up for you and your situation. These are situations that I personally ran into. Good luck Also I’ll add in. IF you have a lot of assets make an appointment with your accountant first. They will tell you how to properly set things up. Then take that information to your lawyer. read more
As I'm sure many of you know, Blossom added a new AI detector. I wanted to share some of my thoughts on AI and how I use it to help me create my Blossom posts and other content. If you haven't noticed already, the vast majority of my posts are written using AI. If that bothers you, no worries, you don't need to read my content. Here's how I use AI to help me create my posts: When I find a topic in my QAFP studies or have an idea I think is worth sharing, I talk through it into Wispr Flow for a few minutes. It always starts with an idea or an opinion that I have, and then I talk through that opinion or the new concept that I just learned. After that, I usually get an LLM to make my thoughts more understandable and clear while still trying to preserve all of the ideas and opinions that I have. I have no issue using AI this way because the topic, perspective and responsibility are still mine. It helps me turn a few minutes of rambling into something easier to read. I do see an issue with a large number of AI posts on Blossom and other social media platforms. For example, whenever I see em dashes and glaring AI-isms, I automatically discount the content that I read in those posts. The posts I discount are the ones where it feels like the person contributed almost nothing. The repeated phrases and perfectly balanced sentences are easy to spot, but the bigger problem is that the person did not bring a point of view of their own. AI can make a weak idea sound polished without making it worth reading. I am responsible for every claim I publish, whether AI helped arrange the words or not, and that responsibility matters far more to me than a detector score. How do you feel about AI-assisted posts?read more
Just came back from a day hike in Kananaskis County, Alberta.. beautiful views. Here’s a couple headlines throughout the day: - Trump says the US government might take ownership stakes in OpenAI, Anthropic and other AI companies. - $MU went from -4% —> +3% by close, what is deserved of course. - $FICO was up +12% today, -7% at close.. insane volatility. - $ON and $SYNA amended their merger to a $5.7B all cash deal at $123 per share read more
Pepsico has fell tremendously in the last 6 months almost 20%. Even though revenue in the past quarter climbed 6.4% revenues from the 4th quarter of 2025 are still down over 20%. As, interest rates climbed recently that makes less space for consumers to spend on snacks and drinks. Another thing is that even though revenue grew 6.4% the stock collapsed so much because as prices go up and the economy isn't very healthy people will start cutting out these types of snacks. Another factor is, that oil prices have climbed through the roof with the Hormuz closing prices for these snacks have also climbed through the roof. Although all this is happening, i'm buying in at this point because it's dirt cheap right now. Yes, i know the dividends aren't the most sustainable they can still afford it. Another reason I'm buying is because they are expanding their portfolio in healthy snacks as they reformulated gatorade, bought poppi, released protein doritos and i really believe in this shift. And, they have been raising their dividends for 54 years in a row making it a dividend king. Lmk your opinion on PepsiCo in the comments!
On top of Blooms, we also just rolled out a massive overhaul to the Blossom feed algorithm. Me and @kartik (Blossom’s CTO) went live this morning to talk about it - here’s the link to the recap!!! 🥳 In the video we covered: - what was wrong with the old feed - what’s new and why this is a massive improvement - how to tune and customize your feed - how to stand out as a creator - Q&A https://www.youtube.com/live/I1MvkrhwDQI?si=VnaB8e4jcRg01J3Zread more
$AMZN: A bounce from the lower Bollinger Band led to a test of the 20 DMA with an indecisive candle. Risk-reward favors the bulls, but let the daily levels guide us.
As the 3rd quarter comes to a close, its good to see portfolio beating the market handily. Yes, I could have had higher returns by having more concentration in tech sector but as I said in one of my earlier posts, I am a value/contrarian investor and as long as am beating the market, am happy !! And when you have so many holdings in portfolio (yes I know I have one too many, but I am still consolidating and adding new positions), it is bound there will be big winners and equally big losers. There are lots of macroeconomic headwinds swirling around right now. Throw in mid-term elections and its certainly going to be an interesting 4th quarter !! Good luck evryone and keep investing !! ✌️✌️ $MSFT$AMZN$NVDA$AMD$META$MU$AVGO read more
For years the plan was simple. Save. Invest. Repeat. Say no a lot. 😅 Then one day you're retired and nobody hands you the manual for the next part. Because pulling money OUT is a whole different game than putting it in. And honestly, nobody talks about it nearly as much. 🤔 Here's what I'd like to discuss with you: ▪️ Which account do you spend from first? ▪️ Do you drain the RRSP early to keep the tax bill smooth, or let it grow and deal with it later? ▪️ Do you protect the TFSA like it's gold and touch it last? ▪️ Where does the non-registered account fit in? ▪️ When do you start CPP and OAS, and does that change the order of everything else? Every answer seems to come with a "well, it depends." 🙄 Tax brackets, OAS clawback, RRIF minimums, your spouse's income. It all pulls in different directions. I have my own thoughts on this (you know me, boring and steady), but I want to hear yours first. 👇 Tell me: 1️⃣ Are you retired, or close? What does your withdrawal order look like? 2️⃣ What worked? What would you do differently? 3️⃣ Anything that caught you off guard once the paycheques stopped? The real stories are always better than the theory. Let's help each other figure this out. 💛 Not financial advice. DYOR. Everyone's tax situation is different.read more
Rarely do I see growth investors focused on portfolio valuation metrics, such as Price to Earnings and Price to Sales. Afterall, those are often thought to be more important in value investing. However, achieving the best growth for the lowest metrics is absolutely critical long term and deserves much more attention. Sky High Price to Sales Companies: $SPCX: 64.5 $SNOW: 20 $PLTR: 56.5 $DJT: 400 *Calculated using current share price divided by (latest quarters revenue multiplied by 4) I try to stay away from companies like SpaceX, Snowflake, Palantir, and DJT. I love innovation and what these companies are accomplishing, but I also recognize there is an enormous amount of data to suggest investing in a large number of companies like that leads to poor performance over time. Today, there is exceptional value in my opinion to be found in Memory, Compute, Software and more, including names like MU CRM NVDA AMD SNDK SKHY ADBE GOOGL Valuation metrics matter. https://youtu.be/hzq4KABZ0K4?si=wS7Po08rJpbIHbUsread more
