⚠️ Warning: This post was vetted through AI. You may want to look away now. 😂 After experiencing the uninformed and unwelcome opinions of people shaming the use of AI, and, even more frustratingly, misrepresenting my financial situation, I decided to reread The Subtle Art of Not Giving a Fck*. It reminded me of something I already knew: Not every opinion deserves my attention. Fundamentally, I don’t participate in negativity, harassment or hate. I don’t need to convince everyone that my choices are right, and I certainly don’t need the approval of people who have decided they know my financial situation better than I do. But I did feel that the developing culture of AI shaming deserved my attention, not because I want to argue with the naysayers, but because I think there’s an opportunity to have a more positive, productive and inclusive conversation about it. I genuinely enjoy sharing my financial growth, milestones, lessons and journey here on Blossom. It’s one of the fun parts of this app for me. I’m excited about what I’m building, and I enjoy sharing the process with people who are interested in learning, growing and having conversations about money. And just to be clear: I don’t use AI because I’m illiterate, incapable or unintelligent. I was a professor in a dental department at a post-secondary institution. I know how to think, research, question information and form my own conclusions. Using AI doesn’t equal incompetence. It’s a tool. A tool that helps me organize my thoughts, be more productive, communicate ideas and accomplish my goals. And I actually think there’s something beautiful about that. Technology can make participation more accessible. It can help someone find the words they struggle to find, organize thoughts that feel overwhelming, communicate in a language they’re still learning, or simply make it possible to participate when life is busy. That feels more inclusive to me, not less. Of course, AI isn’t perfect. It can be wrong. It can misunderstand context. It can produce information that needs to be checked. That’s why I believe in using it responsibly: question it, fact-check it, protect your privacy and ultimately take responsibility for what you choose to publish. That isn’t giving up your intelligence. That’s using your intelligence to use a tool well. AI is here. It’s ubiquitous. And honestly, it has barely begun. We don’t shame calculators because people used to do long division. We don’t shame spreadsheets because people once balanced books by hand. So why are we suddenly treating the use of a new tool as a character flaw? Telling someone to stop using AI because it’s “not real” is about as logical as trading your laptop for a pen and paper, your smartphone for a corded home phone, and your GPS for a paper map. Technology changes. We adapt. And perhaps the most important part of all of this: The people who have reached out privately, with thoughtful messages, encouragement, curiosity and kindness, far outweigh the toxic noise. Those are the people I choose to give my energy to. AI isn’t going away. Neither am I. And I’m not going to spend my time arguing with people who are determined to misunderstand me. I’d rather keep learning, keep questioning, keep investing and keep moving forward. You don’t have to use AI. You don’t have to like AI. But you also don’t get to decide what tools someone else is allowed to use to build their life. And yes…AI helped me write this. 😉 I’m okay with that.read more
Ugly day in the US market today, we’ll see what the TSX brings tomorrow. On the bright side, it was nice to spend the day with family and step away from work for a bit. We all work hard so we can enjoy the good things in life and spend quality time with the people who matter most. Happy thanksgiving everyone! 🇨🇦🦃 @blossom
Originally published on Blossom on April 23th, 2024 Please find retrospective commentary at the end. Readers of KTS know that we frequently reference KTS #11 for understanding the differences between INSIDERS and INVESTORS. We accept that INSIDERS are the market makers. We also must accept our subservient role that we will follow the early INSIDERS and outperform most other INSIDERS and virtually all INVESTORS. If you have been following my posts/ trades, you’ve seen this in action by now with supporting details and profitable actions. So the aim of this series is to build our toolkit of investment strategies to learn to listen, read, and time the markets and the cycles to successfully – both consistently and sustainably – realize double-digit annualized returns. Early in this series, we provided a straightforward ETF only approach to handily beat the S&P500 – that I quit using. This follow the sector (KTS #2) approach is a proven method that can be enhanced by digging in on the key stocks that move these sectors through cycle rotation. Also through KTS, we have clearly stated the phase of the current real estate/banking crisis cycle, the TIMING of its completion, and why the current portfolio looks like it does heavy in Capital Markets, Industrials, Materials, and mainly Commodity-related securities. Last year the portfolio looked different as the Tech sector was dominant. We have now reached the part of the cycle where Tech really begins to tire out. It is important to recognize that each Tech stock chart can behave very differently. For the TECH SECTOR, YOU NOW MUST GIVE ALMOST FULL WEIGHT INTO ANY ENTRY INTO ANY INVESTMENT DECISION BY LOOKING AT THE TREND IN EARNINGS ESTIMATE REVISIONS. At this stage in the meltup phase in TECH stocks, you should run from anything seeing a downtrend in earnings estimate revisions. Key points: This is not the case for other sectors/subsectors that are now coming into favor. This is not the case for other speculative securities that do well at this point in the cycle (e.g. AI related tech, Crypto (no earnings but highlighting to show speculatives that will continue to do well), Small/Micro caps, Biotech, and other FOMO speculatives). This is not the case for TECH companies that continually beat their rising earnings estimates. Why is this so? Naturally, higher interest rates are working against increasing company growth rates as the intent is to slow the economy and the TECH SECTOR (being the king of fast growth) starts to weaken. But we are now seeing the INSIDERS losing interest in parts of the Tech sector. For example, $XITK has fallen out of favor with Wall Street since the rise in commodity investments we read in the markets over a month ago. So many investors are heavily invested in Tech - and as pointed out before, even the Conventionalists and their S&P 500 investment vehicles are OVERLOADED with the performance of this sector. The new AI stocks are here. They are yesterday’s VALUE stocks that are currently transitioning to tomorrow’s GROWTH stocks. If you learn to read, listen, and TIME the markets and their cycles, you would know that this is where you should be buying now. $XOM , $NUE , $CCJ , $MTDR , $FCX and $EQT are just some of the new AI stocks for example. Tech is tired. Evidence please?: Zuck, Bezos, and Gates are selling huge positions. $META initiated a dividend $NFLX is quitting reporting their 2 most prominent valuation metrics: subscribers and ARPU Wall Street is not investing as heavily and is rotating out. Retrospective commentary - October 12th 2026 This retrospective commentary is the perfect opportunity to address something most investors are still missing, even though it’s unfolding right before their eyes. Big Tech is TIRING. Since this original post, $XLK has returned +101.67% versus +35.41% for $XLE . On the surface, that hardly looks like it’s the case. But you must go beyond a simple number on your screen. The Magnificent 7 now represent roughly 35% of the S&P 500. Few would dispute that this group has driven the bulk of the main indices’ returns in recent years. Let’s assess the S&P 500 situation. S&P 500 breadth (ticker: $S5TH, the percentage of constituents trading above their 200-day moving average) stands at just 47.7%. More than half the index is trading below its long-term trend. The S&P 500 is up approximately 14.17% year-to-date (as of October 12, 2026, before the open), yet roughly 65% of its constituents are underperforming the index itself. If you rank S&P 500 constituents by YTD performance, the first and best performing Mag 7 name doesn’t appear until #112. Within XLK, which holds 71 companies, you have to go down to #39 to find the first and best performing Mag 7 stock. And that stock is $AAPL, the only Mag 7 company that isn’t spending massively on the AI buildout. And that weakening can be seen in the YTD returns: $XLE : ~ +45% $SPY : ~ +14% $MAGS : ~ +12% The group that accounts for roughly a third of the index is TIRING – underperforming the S&P 500 – while Energy is accelerating and massively outperforming. Do we need to say it again?? $MAGS is lagging the market while ENERGY is OUTPERFORMING the market by more than 30%. Have you ever watched a relay race? You know how the speed of the runner passing the baton is slowly decreasing while the speed of the runner grabbing it is slowly increasing. The first runner’s rate of change in speed is declining while the second one’s is rapidly increasing as the baton gets passed. This is exactly what is happening right now: the baton just changed hands here in 2026, but most are still looking at the runner who is slowing down. If you’ve followed my work and read my publications, you know that a core element of the KTS approach is identifying where the puck is going and positioning ahead of the herd by stepping back and learning the future. This is the perfect illustration of this with yet another sports analogy.😄 Did you pay attention to the sentence I fully CAPITALIZED back in April 23, 2024? “For the TECH SECTOR, YOU NOW MUST GIVE ALMOST FULL WEIGHT INTO ANY ENTRY INTO ANY INVESTMENT DECISION BY LOOKING AT THE TREND IN EARNINGS ESTIMATE REVISIONS. You can look at the $ORCL 5-year chart if you want to assess if there is any valuable knowledge in that… Or $NFLX . 🤣👍 Still need more evidence that Big Tech is TIRING? There are key indicators that a sector is TIRING, other than its performance. Look at both charts attached. Notice the steady compression in free cash flow yields, which are projected to turn negative next year. Notice the second chart where we made an approximate average of all FCF forecasts and then overlaid the stock price of $META . Can you see the similarity? How can you use this data to evaluate where Meta’s stock price is headed? Have you read our “Google vs. the Government” post? If not, read it right away: https://www.blossomsocial.com/posts/Google-or-the-Government__POST-1787405080828-nDo2PppJ_qoQV3QbaHcPIAvML Now ask yourself this question again: When was the last time you saw a company spend at this scale and its stock outperform over the medium term? Just recently, I came across a Bloomberg article about $ORCL trucking in natural gas to power its AI buildout. With diesel prices at ALL-TIME HIGHS???? The spending simply cannot stop and they are now taking ridiculous actions, because they cannot afford to lose the AI race. It’s happening right before your eyes. As a shareholder, you must ask yourself how you will be rewarded by that frivolous spending. All of this while global energy majors offer double-digit FCF yields? 🤔 Now that’s a reward.🏆 Need more proof? Let’s come back to $XLK . Let’s look at its top-performing stocks this year: $SNDK , $DELL , $MU , $MRVL , $HPE , $LITE , $STX , $AMD , and $INTC . If you own any of these stocks, have you figured out what percentage of their revenue comes from the Mag 7? As Big Tech continues to TIRE (see charts below), would you consider the recent performance of these stocks particularly strong or sustainable if most of their revenue comes from Big Tech companies that are already TIRING and spending as if there’s no tomorrow? When the music stops, are these stocks going to drop FAST? Faster than you can react? If yields, inflation, and commodity prices continue to apply increasing pressure on the stock market, do you believe the music should stop sooner rather than later? So look beyond the simple green numbers on your screen. Compare $XLE’s ~44% YTD return to $XLK ’s ~36% YTD return. Ask yourself: which runner is handing off the baton……..to the other one taking off? 😉 If you want to know how Beskar Capital is positioning as we acknowledge this transition - and you want to know the course of action that Beskar Capital favors in this environment, our website is the best way to do so. I always give you my best! 🏆 This is the Way! 🏄🌊 read more
President Trump says Russia will supply millions of tons of diesel to U.S. and global markets. 📊 Key Highlights: ⛽ U.S. diesel prices hit around $6.28 per gallon. 🤝 Trump reached a supply agreement with Vladimir Putin. 📉 The goal: Increase supply and bring fuel prices down. ⚠️ The U.S. temporarily eased sanctions on certain Russian diesel shipments. 🌍 BUT THERE'S A CATCH! Analysts question whether the deal will significantly lower prices, while Ukraine criticizes the move. 📈 Could this change the global energy market? 💬 What do you think? Smart move or risky decision ?read more
Robinhood's tokenized stocks, including $AAPL, $NVDA, $TSLA and $SPY, are now live for trading on Hedera through Hashpack. Settlement is available in $USDC or $HBAR
Today, I’m taking a moment to appreciate how far God has brought me. This car means a lot to me because I know the work, patience, and sacrifices that go into building the life you want. It hasn’t always been easy, but I’ve learned to keep going, trust God, and stay focused on my goals. I’ve also learned that you can’t please everybody. Some people will celebrate your progress, while others will question your decisions. That’s life. At the end of the day, you know what you’ve worked for and what it took to get here. I’m grateful for how far I’ve come, and I pray God continues to give me the wisdom to keep growing. Never forget where you started, and don’t be afraid to appreciate how far you’ve made it. ❤️🙏 All thanks and glory to God for this blessing, and special thanks to $SPCX for last week’s trade with my trading community. I’m grateful for the opportunities, the lessons, and everyone who’s been part of the journey. 📖 ECCLESIASTES 3:12–13 “I know that there is no good in them, but for a man to rejoice, and to do good in his life. And also that every man should eat and drink, and enjoy the good of all his labour, it is the gift of God.” To me, this verse is a reminder that it’s okay to enjoy what you work hard for. Sometimes we’re so busy chasing the next goal that we forget to appreciate what God has already blessed us with. Not everybody will understand your choices, and that’s okay. I’m just thankful for what God has allowed me to accomplish. All glory belongs to Him. 🙏 🙏 MY PRAYER FOR EVERYONE READING THIS ❤️ Heavenly Father, I pray for everyone reading this post. You know what each person is going through, even the things they don’t share with anybody. You know their worries, their struggles, and the things they’ve been praying for. Lord, please give them strength when life gets hard, peace when their minds are troubled, and hope when things don’t go as planned. Bless their families, provide for their needs, and open doors of opportunity for them. For those who have been working hard and waiting for their prayers to be answered, please give them the patience to keep going and the faith to trust in You. Father, guide their steps, protect their homes, and surround them with people who genuinely want to see them do well. Remind them not to give up just because things are taking longer than they expected. Help them appreciate the little blessings along the way and give You thanks through both the good days and the difficult ones. My prayer is that everyone reading this finds a reason to smile, receives good news, and sees better days ahead. May God bless you and your family, provide for your needs, and give you the strength to keep moving forward. In Jesus’ mighty name, AMEN! 🙏❤️ read more
Decided to take some profit on $NEAR today, still holding a bit in the crypto portfolio long term. Huge rally on this coin over the last month and one to watch going forward. I still have quite a big position in crypto. Continuing to add $BTC & $ETH weekly.
📈 THE BD INVESTING ANNUAL SUMMIT — OCTOBER 24 ( IN 2 WEEKS) We’re bringing the BD Investing community together LIVE in Toronto for 5 hours of investing education, market discussion, networking, food & more! 📍 Toronto 🗓️ Saturday, October 24 ⏰ 4–9 PM EST | Doors open 3:40 PM 🅿️ FREE Parking 🎤 SPEAKER LINEUP - Panels (fireside chats) Bilaal Dhalech — BD Investing AI Infrastructure • Is AI a Bubble? • BD Portfolio deepdive • 2027 Market Outlook & Predictions • Hot Sector Themes • The Road from $0 → $1M Azia Mery @aziamery & BD Financial Wellness for Beginners • Building Your First Portfolio • ETFs • Investing Do’s & Don’ts Shraddha Shah & Nathalie Valenzula Investing 101 • Dividends • Long-Term Wealth Building • Options trading 101 • Market Psychology & Controlling Emotions Adrian Bar — Canadian in a T-Shirt x BD @canadiantshirt Fireside Chat with BD • Current Investing Landscape • Taxes 🇨🇦 • Market Trends • Personal Investing Journeys • LIVE Q&A 🎟️ YOUR TICKET INCLUDES 🍽️ Free food & beverages 👕 BD Investing T-Shirt 🎁 Exclusive swag (Blossom , BMO , Wealthsimple) 🤝 Networking with investors & the BD community 🔥 FEW TICKETS LEFT — grab yours before we sell out! GET YOUR TICKETS — https://www.eventbrite.ca/e/bd-investing-annual-summit-tickets-1998125442988read more
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
Canada has lost a total of 110,000 jobs over the past two months, including 68,000 in September. Canada's unemployment rate also jumped to 6.5%. Not the be a bummer but Canada has gotten the worse of the trade war since it started. Something needs to give.
The greatest loss in 2026 is common sense. I dont like elon. Thats plain to see, but if I had to put a reason to it I would say it is because he is a salesmen first. Just a reminder that powerful people will say what is in there best interest first. We should do what is in our best interest first.
SOFI is growing fast, profitable, and is setting up to be the next big financial giant. It’s taking hold of the next generation of workers and homebuyers. It’s a great bank and an all in one platform. I use it personally and love how fast and easy everything is in the app. Great numbers, Great management, Great investment. Take advantage of rising rates and bearish sentiment, buy it while it’s below 20 a share and hold it for the next 5-10 years. If you’re bearish on sofi let me know why!
🚨 A DECADE of dividend investing 👨💼 My portfolio is now worth ~$2M 💰 And it pays me roughly $10,500 in dividends EVERY MONTH 💵 8 HIGH INCOME ETFs with ZERO PRICE DECAY that I own or plan on buying!📈🔥 $SCHD 🏆 Schwab U.S. Dividend Equity ETF ~3.0% yield ~531% total return Pays quarterly Launched Oct 2011 $QDVO 🏆 Amplify CWP Growth & Income ETF ~11.2% yield ~52% total return Pays monthly Launched Aug 2024 $OVL 🏆 Overlay Shares Large Cap Equity ETF ~10.5% yield ~208% total return Pays monthly Launched Sep 2019 $SEPI 🏆 Shelton Equity Premium Income ETF ~7.9% yield ~27% total return Pays monthly Launched Sep 2025 $IDVO 🏆 Amplify CWP International Enhanced Dividend Income ETF ~6.1% yield ~114% total return Pays monthly Launched Sep 2022 $GPIQ🏆 Goldman Sachs Nasdaq-100 Premium Income ETF ~9.9% yield ~105% total return Pays monthly Launched Oct 2023 $XQQI 🏆 NEOS Boosted Nasdaq-100 High Income ETF ~20.2% yield ~21% total return Pays monthly Launched Jan 2026 $HAKY 🏆 Amplify HACK Cybersecurity Covered Call ETF ~15.0% yield ~48% total return Pays monthly Launched Jan 2026 *Bookmark this one* 🔖👇 read more
Why I Avoid Unprofitable Businesses Like $TE$IREN$CIFR$CRWV$SPCX 1) High Dilution Risk 2) High Stock Based Compensation 3) Highly Unlikely Future Promises 4) Impossible to Value in Times of Panic I want as low as downside volatility with and high upside potential, and I believe that is more achievable with a basket of highly profitable, high growth, low valuation metrics businesses read more
SCHD holders brag about the dividend. VOO holders brag about the growth. 10 years, dividends reinvested: $VOO : 316.5% $SCHD : 244.5% That's a 72 point gap. On $300K that's about $216K left on the table. SCHD's answer: a 3.2% yield vs about 1% for VOO. Cash in hand every quarter. In a rough year, that dividend check feels GOOD. My stance: I'm a growth guy. I want the compounding, not the coupon. Long-term buy & hold for me, I'll take the extra 72 points. But dividends aren't nothing. A payout that shows up rain or shine is real money. Which side are you on? The 3.2% yield now or 72 points of growth over 10 years? Where do you stand? 👀read more
