Adding to $NFLX for the second time. 📈 Building the position gradually as Democrats regain the House. Staying focused on Netflix’s long-term growth potential while managing risk. #NFLX #Stocks #Investing Disclaimer: Not financial advice. Investing involves risk. Do your own research.
In simple terms: Democrats want to stop the war but tighten AI regulations, especially for data centres Republicans don’t want the war to end but have looser AI regulations which has really bolstered the U.S’ position in AI. Even Steven. Whatever happens, remember the market has never failed to move
Here are 🚩3 big flags🚩that signal a company might not be a good investment, and I'll walk you through how to check for each one. (Free Stock Checklist at the end) --- 1️⃣ Declining Revenue or Earnings📉 🛑 Why it’s a red flag:A company with falling revenue or earnings may be losing market share, dealing rising costs, or the overall industry is shrinking. ✅ How to Check for This: A) Look at the Income Statement📊 - Find the company’s total revenue and net income in its latest financial report. Top-line & bottom-line, respectively. - Compare revenue and net income across multiple quarters/years. 3 years or 12 quarters is more than enough to indicate a trend - If both are consistently declining, it’s a warning sign. B) Check Earnings Reports🗂️ - Look at the company’s quarterly earnings reports to see if they’ve missed expectations multiple times. C) Compare to Competitors🔍 - Is the entire industry struggling, or just this company? 📚Website for financial reports: https://www.marketwatch.com/ --- 2️⃣ High Debt Levels 🛑 Why it’s a red flag:Companies with a capital structure heavily debt-reliant are more vulnerable in economic downturns and might struggle to repay obligations. ✅ How to Check for This: A) Find the Debt-to-Equity Ratio (D/E)📊 - Go to the company’s Balance Sheetin its latest report. - Find Total Debt and Total Equityand calculate: Debt-to-Equity Ratio = Total Debt ÷ Total Equity** - A D/E ratio above 2.0 (varies by industry) is usually risky. B) Check Interest Coverage Ratio🔍 - Look at the Income Statement for EBIT (Earnings Before Interest & Taxes). - Find Interest Expense and calculate:Interest Coverage Ratio = EBIT ÷ Interest Expense - If this ratio is below 1.5, the company may struggle to pay interest. 📚 Resources: https://www.investopedia.com/terms/d/debtratio.asp#:~:text=Key%20Takeaways&text=A%20company's%20debt%20ratio%20can,has%20more%20assets%20than%20debt --- 3️⃣ Poor Cash Flow 🛑 Why it’s a red flag:A company can be profitable on paper but still run out of cash to fund operations. ✅ How to Check for This: A) Find the Cash Flow Statement📜 - Look at Operating Cash FlowOCF). - If OCF is negative for multiple quarters, the company may be in trouble. B) Check Free Cash Flow (FCF)💰 - Free Cash Flow = Operating Cash Flow - Capital Expenditures - A company with negative FCF can’t reinvest in growth without taking on debt. 📚 Read more about Cash flow: https://www.investopedia.com/articles/stocks/07/easycashflow.asp ___________________________________________ Thanks for reading, I am open to engage in friendly conversations so I encourage you to leave a comment!💬 Access my free stock checklist at the link below⬇️ https://investingwithcole.gumroad.com/l/stockchecklist read more
So ive been looking at cheap hobbies. For starters ive been going to the gym! best cheap hobby. Planet Fitness is 30$ for both my wife and I. You can bring a guess..... me, im the guess. so basically cut 30 in half. 15 a person, cheeeeeap. I also picked up some fish. My friends didnt want them any more so I inherited a tank. got some Tetra, a few Guppies and a Barb also a Clown Plecko but I think my boy is dead (he isnt he just never moves)...... Not as cheap as I thought. I got a few filters. A 3 step water chemical program and a little flake food. All together $100 for at least a few months. Having a few cheap hobbies is more fun for me then having 1 big one. One of these days I wanna have a big tank mabye breed some fish but untill then gotta prove to myself I wont kill everything I touch.....
Passive investing is creating a problem that nobody wants to talk about. Millions of investors keep buying $VOO, $QQQM, and $VFV, putting more money into the same big companies regardless of how expensive they get. The bigger these companies become, the more weight they carry in the indexes. To me that raises the question of whether we’re investing based on value or just buying what’s already popular. Cough* AI ! Obviously these companies have real growth behind them, and I still think index funds are great investments. But I do wonder if passive investing could eventually become its own worst enemy. Are index funds making investing easier or helping create the next bubble? read more
The market is in turmoil overnight as odds of a Democrat sweep are now higher than 94%. The Nasdaq 100 has fallen to its lowest level since late July. Concerns over tighter AI and data centre rules are going to be a big question heading into the end of this week.
Hey everyone, I’m TQ. Happy to finally be here on Blossom! I’ve spent years following the financial markets, exploring day trading, long-term investing, and different ways to understand and approach the market. I’ve always believed that learning never stops, and one of the best ways to grow is to connect with people who share similar interests. I’ve actually been looking for a platform like Blossom for a while, a place where traders and investors can connect, exchange ideas, share experiences, and learn from one another without all the unnecessary noise. I’m looking forward to being part of this community, sharing my market insights, discussing investment opportunities, and getting to know everyone here. It’s good to be here. Looking forward to connecting with you all! TQ 🤝📈read more
This week we bought a new car (yes the one in the video title). But how I financed it and further optimized my PIIverse retirement portfolio is the big story ! https://youtu.be/46c9rUZJgSA
Chips bounced back, and futures are pointing up after the midterms. Tuesday's scorecard: $SPY rose 0.4% (S&P 500 at 7,569) and $QQQ 's Nasdaq gained 0.8% to 25,372, led by semiconductors (+2.6%). $DIA slipped 0.4% to 51,787 as Apple fell 1.9% on a weak margin outlook. Strong job openings (7.5M) pushed the 10-year yield up to about 4.95%. This morning: Dow futures +0.7%, S&P futures +0.3%, Nasdaq futures +0.3%. AMD and Super Micro are both up around 6% premarket on earnings beats. Palantir is a little lower. Oil is still near $100. Watching today: • ADP jobs and ISM Services • Earnings from Qualcomm, Arm, McDonald's, Uber and CVS • How the market digests the midterm results My October numbers are on the website now: 17 holdings, returns and margin. Link in bio. What are you watching today? Not financial advice — simply my journey in margin.read more
Hey guys!!! I had an amazing time chatting with @humbledtrader & @bdinvesting on the retail rundown podcast. If you wanna hear us yap for an hour about the ups and downs of work, health, investing & life tune in! https://youtu.be/tNoNucq9Lsc
Here are my top 9 most favorite books on the topics of money, investing, and the psychology related to it. 🙂 I have also shared my short takeaways from each of these books: ✅ Reboot Your Portfolio (Dan Bortolotti): By simply "owning the market" through globally diversified index funds, you will almost certainly enjoy better performance than the vast majority of investors who buy actively managed funds or try to pick their own stocks. Over the long term, index funds offer the highest probability of achieving your investment goals. ✅ Atomic Habits (James Clear): If you can get 1% better each day for one year, you’ll end up thirty-seven times better by the time you’re done. Focus on making tiny adjustments to your behavior, as small changes lead to lasting improvements. ✅ Die with Zero (Bill Perkins): Maximize meaningful and memorable experiences in your lifetime when you are healthy and have the capacity to do so. Invest in experiences that yield long-lasting memories and pay you regular "memory dividends". ✅ The Simple Path to Wealth (JL Collins): Build a financial cushion (F-You Money) to give you a choice, and invest through low cost, broad-market, diversified index funds. ✅ Rich Dad, Poor Dad (Robert Kiyosaki): Use your money to acquire assets instead of liabilities. ✅ Choose FI (Chris Mamula, Brad Barrett, Jonathan Mendonsa): Achieving Financial Independence requires a plan, much like building a house, but it is not a one-size-fits-all approach and you can tailor it based on your own journey. ✅ Quit Like A Millionaire (Kristy Shen, Bryce Leung, JL Collins): Spend your money on experiences that last a lifetime that on material stuff and consumer debt. ✅ The Psychology of Money (Morgan Housel): Managing your emotional impulses and learning how to behave in face of challenging money decisions, play a crucial role in your financial success. ✅ I will teach you to be rich (Ramit Sethi): Develop a "Conscious Spending Plan" that aligns with your values and financial goals. 📚 Learn More: https://youtu.be/KIXOYvKgtnw ➡️ What are your favorite money/investing/self-development book recommendations?read more
If you could only have one high income ETF in your portfolio what would it be? For me I reveal exactly what that ETF is and give some context to the reasons why I’d only go with that. This ETF has been my longest serving holding. https://youtu.be/QFvlEWdMMAI?si=YAVwrdXBxoC1QUqe
My thesis: back the companies turning AI spending into real revenue. ServiceNow's AI sales are growing. But its outlook disappointed, and I think AI could hurt the core software business as much as it helps it. When I'm less sure of the story, I'd rather free up the money than hope. My own reasoning, not a recommendation. Capital at risk.
Robinhood is my brokerage and it's not close. Gold is $5 a month and actually worth it. The app is clean and FAST, I can place a trade in seconds instead of digging through menus like Schwab. Vlad Tenev built this for regular investors, not Wall Street suits. $HOOD over $SCHW for me every time. Which brokerage do you actually like using?
For Episode 27 of Financial KarMoe, @karyungtom and I covered some great questioms from the Blossom community. After putting out our Halloween-themed question post, we received some fantastic questions from the community, covering everything from investment strategies and leveraged ETFs to retirement planning, taxes, and financial independence. 🍂🎃 We picked up as many as we could and shared our honest thoughts and experiences. When does having conviction in an investment strategy become stubbornness? Is five years of underperformance enough reason to reconsider your approach? We also discuss the risks of financial influencers promoting misleading information, whether a $1 million RRSP really means you have $1 million to spend in retirement, and the potential risks of leveraged investing during a market correction. We get into the Smith Manoeuvre and when it might actually make financial sense, the complexities of retiring outside Canada, and whether taking CPP early or deferring it is the better approach. We also discuss Coast FIRE, investing with borrowed money, ZEQT's T-Series funds versus traditional ETFs, and whether high-distribution strategies are necessarily the best way to generate retirement income. And of course, we couldn't leave out some of the lighter community questions, including when Wealthsimple might bring back its free iPhone promotions! 😂 We wrap up with a discussion about financial literacy and what it takes to get people curious about investing, understanding compound growth, and taking control of their financial future. A huge thank you to everyone in the Blossom community who submitted questions and continues to support Financial KarMoe. We appreciate you being part of these conversations! 😍🙏🏻 https://youtu.be/Rw-D_MCP_uwread more
What’s the most important thing you look for when researching a stock and finding a winner? What are the things that a stock must have in order for you to own it? Let me know below, i’m super curious!
📊 Chips rebounded on Election Day. The Nasdaq climbed 0.83% to 25,372.01, the S&P 500 rose 0.36% to snap a three-day skid, the Dow fell 0.38% and Canada’s S&P/TSX Composite dropped 0.75%. 🍎 Apple ($AAPL) fell almost 2% to weigh on the Dow after issuing a disappointing margin forecast late Monday. Fiscal fourth quarter iPad sales also missed estimates. 🛒 Shopify ($SHOP) sank 8.02% to $200.19 on the TSX after missing on subscription gross profit and gross merchandise volume. Revenue of $3.74 billion came in just under the $3.75 billion LSEG estimate, and fourth quarter growth guidance in the low thirties sits around the 32.1% consensus. ₿ Coinbase ($COIN) rallied 8% after sliding 15% over the prior three sessions. Morgan Stanley had cut the exchange to underweight Monday and slashed its target by 53% on weaker crypto trading volumes. ⚡ Bloom Energy ($BE) gained nearly 10% after Barclays upgraded it to overweight on stronger than expected demand. The bank trimmed its target to $289 from $319, still implying about 47% upside. 🛢️ Brent lost 1.12% to settle at $103.60 and WTI fell 0.38% to $96.09 on speculation about progress in U.S.-Iran talks. Prediction markets put roughly 75% odds on Democrats taking the Senate, and JPMorgan says a sweep could pressure AI names if traders haven’t positioned for it. 👨🏻💻 Researched and written daily by @timeminoread more
Shopify just dropped 8% on a slight revenue miss. Is it a overeaction by Mr Market?
Investors use spreads for many reasons. Often, the type of spread reflects a bullish or bearish market view. You’ll see the intent behind these strategies more clearly in the next few chapters. There are two broad categories of spreads: • Call spreads • Put spreads Let’s look at an example of each. 👉 An example of a call spread: Long 1 ABC Jan 60 call Short 1 ABC Jan 70 call When an investor is long one call and short another call at the same time, they’ve created a call spread. The two options can have different strike prices, different expirations, or both. As long as you’re long a call and short a call simultaneously, it’s a call spread. 👉 Next, an example of a put spread: Long 1 ABC Mar 40 put Short 1 ABC Jun 40 put When an investor is long one put and short another put at the same time, they’ve created a put spread. Again, the two options can have different strike prices, different expirations, or both. As long as you’re long a put and short a put simultaneously, it’s a put spread. 📊 The differences in strike prices and/or expirations across the two legs determine how a spread is classified. There are three spread classifications: • Vertical (price) spreads • Horizontal (calendar/time spreads) • Diagonal spreads 1️⃣ First, let’s start with a vertical (price) spread: Long 1 ABC Jan 60 call Short 1 ABC Jan 70 call A vertical spread exists when the two contracts have different strike prices but the same expiration. Here, the strike prices differ ($60 and $70), but both options expire in January. Vertical spreads are also called price spreads. That name fits because the “spread” (difference) is in the strike prices. 2️⃣ Next, let’s look at a horizontal (calendar/time) spread: Long 1 ABC Mar 40 put Short 1 ABC Jun 40 put A horizontal spread exists when the two contracts have different expirations but the same strike price. Here, the expirations differ (March and June), but both options have the $40 strike. Horizontal spreads are also known as time spreads or calendar spreads. Again, the “spread” (difference) is in the expirations. If you’re wondering where the terms come from, vertical (up and down) and horizontal (side to side) relate to a standard price chart: • The vertical axis shows price • The horizontal axis shows time 3️⃣ Last, let’s look at a diagonal spread: Long 1 ABC Sep 45 call Short 1 ABC Nov 55 call A diagonal spread exists when the two contracts have different expirations and different strike prices. Here, the expirations differ (September and November) and the strike prices differ ($45 and $55). It is unlikely you’ll encounter any math-related test questions on diagonal spreads, but you may be asked to identify them. 📊 Key points Call spreads • Long call & short call Put spreads • Long put & short put Vertical spread • Different strikes, but the same expiration • Also known as a price spread Horizontal spread • Different expirations, but same strike • Also known as a calendar or time spread Diagonal spread • Different strike prices and expirations 📊 Naming spreads A spread has two or more legs, but one option is always the dominant option. Every contract affects the strategy’s risk and return, but one leg matters most for identifying the spread. The key rule is simple: • The dominant option is the one that names the spread. You’ll see exactly why one option is dominant when you reach the math-based spread sections in the next two Topic. 📊 Complex spread strategies Although most spreads involve two legs (e.g., one long call and one short call), more advanced spread strategies exist. For example, a butterfly spread involves three spreads and four options. For example: Long 1 ABC Jan 30 call Short 2 ABC Jan 40 calls Long 1 ABC Jan 50 call As the name suggests, this strategy has a solid “core” (the two short calls) with “wings” on either side (the long 30 call and the long 50 call). While it’s unlikely you’ll encounter difficult math-based questions on butterfly spreads, you may be asked to identify one. 📊 Leg (options) A single option position 📊 Multi-leg strategy (options) A strategy involving two or more option types There are three specific ways to determine the dominant option within a spread: • The option premiums • The strike prices • The expirations Let’s go through each one. 1️⃣ The option premiums The dominant leg within a spread is the most valuable contract. An option’s premium is its market value: the more valuable the contract, the higher the premium. So when premiums are given, the dominant leg is the option with the highest premium. For example: Long 1 ABC Jan 60 call @ $7 Short 1 ABC Jan 70 call @ $2 The long call has the higher premium, so it’s the dominant leg. Since the dominant leg names the spread, this spread has three synonymous names: 1. Long call spread 2. Bull call spread 3. Debit call spread Each name points back to the dominant long call: • It’s a long call spread because the long call is dominant. • It’s a bull call spread because a long call is bullish. • It’s a debit call spread because the long call costs more, creating a net debit (net purchase). 📊 Debit Represents money paid to buy an option; associated with going long an option 📊 Credit Represents money received to sell an option; associated with going short an option 👉 Let’s see if you can name a spread. An investor goes long 1 BCD Feb 25 put at $4 and short 1 BCD Feb 40 put at $11. What are the three names associated with this spread? Can you figure it out ⁉️ The short put has the higher premium, so it’s the dominant leg. The names associated with this strategy are: • Short put spread It’s a “short put spread” because the short put is the dominant leg. • Bull put spread It’s a “bull put spread” because the dominant leg is bullish. • Credit put spread It’s a “credit put spread” because the short put is more expensive, creating a net credit (net sale). When premiums are provided, identifying the dominant option is straightforward: the option with the larger premium is always the dominant leg. 2️⃣ The strike prices If premiums aren’t provided and you’re dealing with a vertical (price) spread, you can use strike prices to identify the dominant option. A vertical spread uses different strike prices with the same expiration. Use these guidelines: • Call spreads: low strike price • Put spreads: high strike price This still follows the same idea: the dominant option is the more valuable leg. • For calls, a lower strike price is more valuable than a higher strike price. A $20 call should be more expensive than a $30 call because the $20 call gives the right to buy at $20 (a better deal than buying at $30). 👉 Let’s try a vertical call spread. An investor goes short 1 MNO Jun 80 call and long 1 MNO Jun 95 call. What are the three names associated with this call spread? The short call has the lower strike price, so it’s the dominant leg. The names associated with this strategy are: • Short call spread It’s a “short call spread” because the short call is the dominant leg. • Bear call spread It’s a “bear call spread” because the dominant leg is bearish. • Credit call spread It’s a “credit call spread” because the short call is more expensive, creating a net credit (net sale). 👉 Now compare that to put spreads. For puts, a higher strike price is more valuable than a lower strike price. A $50 put should be more expensive than a $40 put because the $50 put gives the right to sell at $50 (a better deal than selling at $40). One more vertical spread example, this time with puts: An investor goes short 1 RTR Dec 120 put and long 1 RTR Dec 140 put. What are the three names associated with this put spread? The long put has the higher strike price, so it’s the dominant leg. The names associated with this strategy are: • Long put spread It’s a “long put spread” because the long put is the dominant leg. • Bear put spread It’s a “bear put spread” because the dominant leg is bearish. • Debit put spread It’s a “debit put spread” because the long put is more expensive, creating a net debit (net purchase). 3️⃣ The expirations If premiums aren’t provided and you’re dealing with a horizontal (calendar/time) spread, you can use expirations to identify the dominant option. A horizontal spread uses different expirations with the same strike price. In a horizontal spread, the dominant leg is the contract with the longer time to expiration. As we learned in a previous chapter, time value is the part of an option’s value that comes from having time remaining. More time until expiration generally means a more valuable contract. For example, an option expiring in February is typically more valuable than an option expiring in January because the holder is paying for extra time, and the seller is taking on the obligation for longer. So the option with the longest time to expiration is the dominant leg. 👉 Let’s look at an example: An investor goes short 1 TM Sep 55 call and long 1 TM Oct 55 call. What are the three names associated with this call spread? The long call has the longer time to expiration, so it’s the dominant leg. The names associated with this strategy are: • Long call spread It’s a “long call spread” because the long call is the dominant leg. • Bull call spread It’s a “bull call spread” because the dominant leg is bullish. • Debit call spread It’s a “debit call spread” because the long call is more expensive, creating a net debit (net purchase). 📊 Key points Naming spreads • The dominant leg names the spread Identifying the dominant leg • Highest premium • Vertical call spreads: low strike price • Vertical put spreads: high strike price • Horizontal spreads: long expirationread more
📊 Tech melted down again to open November. The Nasdaq fell 1.07% to 25,164.32 and the S&P 500 shed 0.51%, both giving up solid morning gains. The Dow rose 0.41% on old economy names and Canada’s S&P/TSX Composite added 0.51%. 🔗 Marvell Technology ($MRVL) dropped 12.72% to $171.41 after agreeing to buy Lumentum ($LITE) for $115 billion. Lumentum fell 18% despite the deal, which gives its holders 4.5 Marvell shares each and about 33% of the combined company. 🗄️ Oracle ($ORCL) slid 8% after filing to sell $10 billion in common stock and $10 billion in senior notes to fund its AI buildout. Stephens upgraded the stock to overweight the same day with a $213 target. 🐕 IDEXX Laboratories ($IDXX) climbed 20% after beating on both lines, with revenue of $1.21 billion up 10% year over year on Companion Animal Group growth. The vet diagnostics company raised its 2026 revenue and earnings forecasts. 🍁 Canadian energy names sank with crude. Suncor ($SU) fell 5.05% and Canadian Natural ($CNQ) dropped 4.21%, though a gold rebound lifted materials enough to keep the index green. Canadian manufacturing contracted for the first time in 2026 as tariffs hit demand. 🛢️ Brent tumbled 7.63% to close at $104.77 and WTI fell 7.36% to $96.46 on hopes of renewed U.S.-Iran talks. Marco Rubio said Trump hasn’t decided on an attack and Washington would prefer a peaceful resolution, while Iran’s foreign minister said a deal is possible with goodwill. 👨🏻💻 Researched and written daily by @timeminoread more
Oil just dropped 7% on U.S.-Iran peace talk hopes. Does Brent stay under $100 by year-end?
$HYLD holds 9 underlying ETFs ($SDAY$QDAY are the most recent additions) with 150 stocks in total. So why does it have the concentration of just 38? That’s what caught my attention when I dug into ALL its holdings. When I calculated HYLD’s effective number of stocks, I got just 38. In other words, despite holding 150 individual stocks, the weighting makes it behave more like a portfolio of 38 equally weighted stocks. And the concentration gets less income like and more growth like.... The top 10 stocks make up 40.7% of HYLD. The top 20? 65.6%... And the bottom 50 stocks? JUST 4% of the portfolio. So yes, HYLD owns a lot of stocks. But the number of holdings doesn't tell you much without looking at how they're weighted in the portfolio. Then theres the sector exposure...... Technology accounts for roughly 39% of the portfolio, with names like NVIDIA, AMD, Broadcom, Micron and Palantir among its major holdings. There's nothing inherently wrong with owning these companies. However, it does raise an interesting question about how diversified HYLD really is. Is it a diversified high income ETF...... or is it essentially a concentrated U.S. growth portfolio with leverage and a covered-call strategy layered on top? I dug into all of this in my latest HYLD ETF deep dive, along with its 12.5% yield, distributions, performance, fees, leverage and risk and answered some of the questions you asked. And I also built a custom benchmark to see how HYLD stacks up against a portfolio with similar characteristics AND leverage. https://youtu.be/dgUcuQmB48k If you were buying HYLD primarily for its monthly income, would this level of concentration change how much you'd be comfortable holding in your portfolio?read more
Outside of doing the podcast with Moe, I've just been chilling. The house I bought for $680k in March 2024 is a townhouse. The unit on the other side just sold for $890k. As it turns out, I was NOT late to the party. I'm looking forward to renewing my mortgage in March, hopefully bringing that monthly payment down. ;) I've been nerding out with GPT and Claude on a variety of interests. They can do a lot more than just produce slop these days. As for upcoming big expenses, I'm planning another cruise. Not sure where yet, but different members of my family have expressed interest in something centered around South America or South Africa. If you have suggestions, let's hear them!
One of the best parts about the Blossom community is how open everyone is sharing knowledge and experiences. To make things easier for anyone just starting their investing journey, here’s a simple glossary to help understand and simplify various terms. Common Terms: Dividend: A share of a company’s profits paid to shareholders, usually quarterly. Ex-Dividend Date: The cutoff date by which you must own a stock to receive its next dividend. ETF (Exchange-Traded Fund): A fund that holds multiple stocks or bonds, traded like a single stock. Covered Call ETF: An ETF that owns stocks and sells call options to generate extra income (higher yield, limited / capped upside). Earnings Report: A company’s quarterly financial performance summary. EPS (Earnings Per Share): A company’s profit divided by its number of shares. Market Cap: A company’s total value (share price × number of shares). ACB: The total amount you’ve paid for an investment, including the purchase price plus any fees or commissions. Book Value: The value of a company according to its financial statements (assets minus liabilities). Yield: Annual dividend as a percentage of the stock/ETF price. Liquidity: How easily an asset can be bought or sold without impacting its price. Volatility: The degree of price fluctuations in a stock or market. Index: A benchmark of stocks (e.g., S&P 500, Nasdaq, TSX). Bull Market: A period of rising stock prices and optimism. Bear Market: A period of declining stock prices and pessimism. False Breakout: When a stock’s price moves above (or below) a key level, making it look like a new trend is starting, but then quickly reverses back. P/E Ratio: Price-to-earnings ratio (stock price ÷ EPS), used to assess valuation. Blue Chip: Well-established, financially strong companies with a track record of stability. Diversification: Spreading investments across assets to reduce risk. Broker: A platform or firm that facilitates buying and selling investments. Limit Order: An order to buy/sell a stock at a specific price or better. Market Order: An order to buy/sell a stock immediately at the current market price. Bid/Ask Spread: The difference between the highest price buyers offer and the lowest price sellers accept. Dollar-Cost Averaging (DCA): Investing a fixed amount regularly to reduce the impact of market swings. Capital Gain/Loss: Profit or loss from selling an investment for more/less than its purchase price. IPO: When a company first sells shares to the public. Index Fund: A fund designed to mirror the performance of a market index. Short Selling: Selling borrowed shares, hoping to buy them back cheaper. Margin: Borrowing money from a broker to buy investments, which amplifies gains and losses. Margin Requirement: The minimum amount of your own money (equity) you must maintain in a margin account to open or keep a leveraged investment position. Margin Call: A demand from your broker to deposit more funds or sell assets because your account equity has fallen below the required margin level. Time Horizon: The length of time you plan to hold an investment before needing the money. Short horizons = more risk-sensitive, long horizons = more room to ride out volatility. Stock Split / Reverse Split: A split increases the number of shares (e.g., 2-for-1) while lowering the price per share. A reverse split reduces the number of shares (e.g., 1-for-10) while raising the price per share. Your overall value doesn’t change just the math. Long (Being Long): Buying a stock or asset because you expect the price to go up. Short (Being Short): Selling a stock you don’t own because you expect the price to go down, so you can buy it back cheaper later. TER: The total yearly cost of owning a fund, including the management fee plus other costs like administration, audits, and legal fees. MER: The annual cost that a fund charges for management (includes any leverage costs if used). Management Fee: A portion of the MER that goes directly to the fund managers for running the fund. Withholding Tax: A tax deducted on dividends/distributions from foreign investments (e.g., U.S. dividends to Canadian investors face a 15% withholding in TFSA/Non-Registered accounts). Total Returns: The full picture of an investment’s performance, including both price gains and dividends/distributions. CAGR: The average yearly growth of an investment over time. NAV: The price of one share of a fund (stock or etf) NAV Depreciation: When the fund’s share price goes down over time. Mutual Fund: A pool of money from many investors used to buy a mix of stocks, bonds, or other assets. Bond: A loan you give to a company or government, and they pay you back with interest. Asset: Anything valuable you own that can generate money. Portfolio: Your collection of investments. Option: A contract that gives you the right (but not the obligation) to buy or sell a stock at a set price. Future: A contract to buy or sell something at a set price on a future date. REIT: A company that owns real estate and pays investors income from rent. Alpha: A measure of how much better (or worse) an investment did compared to the market. Beta: A measure of how much an investment moves compared to the market. Sharpe Ratio: A way to see if returns are worth the risk taken. Hedging: Protecting your investments from risk. Rebalancing: Adjusting your portfolio back to your target mix of assets. FCF: Free Cash Flow Understanding these terms makes investing far less intimidating. If anyone feels other terms should be included, please share in the comments. I’ll update this post so we can build a complete beginner-friendly resource together! *Sorry tagged a few etfs for reach 🫣read more
Quick flag that if you receive a dm or see a comment from 'Blossom support' it is a SCAM! Please report it and our customer support team will delete it and we're working on a fix to block these proactively which will be live tomorrow Re. @trevorheslopinvests's post "weird dms sharing posts" - this is actually not a scam, but was the result of when you long press the share button it sends a post (a bug on our end). The fix for this is now live when you update Blossom on the app store (thanks everyone for flagging this)! 😎 In addition to these fixes, lots of other cool updates on the way that I can't wait to share with you all! As a sneak peak here's the mock-up for a community leaderboard we're working on to help showcase the top Blossom creators each week - https://blossom-mvps.netlify.app/
This November, we’re putting our money (and moustaches) where our mouths are. Team Blossom is officially joining the Movember movement, and inviting the entire community along for the ride! Our goal? Raise $10,000 for men’s health, supporting mental health and suicide prevention, prostate cancer, and testicular cancer. But we’re not stopping at donations! To make things a little more spicy, we’ve set up some fun fundraising challenges. From @maxstocks learning a KATSEYE dance, to mystery punishments, questionable moustaches, and a whole lot of chaos, every milestone unlocks something new. The best part? EVERYONE can participate (women too!). 🥸 GROW A MO: Put down the razor and grow that glorious moustache. 🏃♀️ MOVE FOR A MO: Can’t grow a moustache? No problem! Walk, run, or get moving for men’s health. Track your activity through Movember and sync your progress to your Mo Space. DONATE FOR A MO: Donate to a good cause and help us reach our $10,000 goal and unlock the next challenge! 📸 Post your progress photos throughout November and tag @meetblossomsocial on Instagram so we can share it along on our socials, bonus points if you're wearing Blossom merch! JOIN THE BLOSSOM MOVEMBER TEAM OR DONATE: https://movember.com/t/blossom-social-team?mc=1 Because investing in your future means investing in your health, too. Let’s grow something good. Together!read more
Hamilton's $HYLD is a beast of a fund, just like $HDIV . After getting the communities questions to help form the structure of HDIV's deep dive, I thought ... I HAVE to do it with $HYLD too. Since HYLD is a fund of funds and rather complex... here is what I am going to share (that way you don't ask what will be answered): - Performance attribution of sorts - Benchmarking w/ and w/o levereage - volatility and drawdowns - Fund history of changes - Distributions - ETF structure and total underlying holdings - Concentrations - Fund risks - Total costs and long term affect on performance What would you like to know about this fund? Is there something that's not obvious about the fund that you feel needs discussed? As always, EVERYONE is more than welcome to pipe in with their personal questions. The more diverse group of investors with questions, the better and broader the deep dive will be😁 I'll be filming tomorrow after work, so if I miss your questions after then, my apologies. As always, HAPPY investing everyone and let the questions FLY!!!!read more
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
2026 has been an exhausting year for growth investors. Look at the $QQQ drawdowns this year: March: -13.29% June: -8.28% July/August: -11.72% October: -8.13% so far Notice a pattern? Almost every selloff has been driven by the same concerns. Expensive valuations, massive AI CAPEX spending, iran war ,inflation, interest rates and financing costs. Different headlines, same fears. What's frustrating is that many companies continue to report strong earnings and growth, yet their stocks keep getting punished. The fundamentals can improve while valuations compress. That's been the story of 2026. As investors remember this is the long game. Theres always a smart reason to sell, but stocks tend to go higher even with bad news. Buy the dip & HOLDread more
