I've been a long term $DUOL shareholder but downgraded it to a hold following the last 2 earnings reports due to weakening DAU growth and less MAU conversion to DAU. Despite how cheap it's gone, I'm not currently adding to the position because: 1. it already accounts for a larger portion of my portfolio for a fast grower. 2. I want to see evidence in the following earnings that their changes are helping conversions. 3. They are experimenting with its freemium model meaning bookings (subscriptions) are going to be depressed. At this point I'm happy watching and waiting despite being up 40% in the last three months with my current position. Despite being up to -66% in the hole when it bottomed under $100, I'm not chasing this one until I see the execution in the earnings. With that said, I also haven't sold a single share despite the volatility.
I’ve been thinking about opening a YouTube channel dedicated to teaching options trading and investing step by step, from beginner concepts to more advanced strategies. Over time, I’ve realized that reading explanations alone doesn’t always help everything click. Sometimes it’s much easier to understand when you can actually see charts, option chains, trade setups, and real examples explained visually and in real time. On the channel, I would cover topics such as: • Options Trading Basics • Calls and Puts Explained • How to Choose Strike Prices and Expiration Dates • Reading Option Chains and Understanding the Greeks • Delta, Theta, Gamma, Vega, and Implied Volatility • Risk Management and Position Sizing • Chart Analysis and Price Action • Support and Resistance Levels • Day Trading and Swing Trading Strategies • Long-Term Investing and LEAPS Strategies • Covered Calls and Cash-Secured Puts • Vertical Spreads and Multi-Leg Strategies • Finding High-Probability Setups • Identifying Unusual Options Activity and Institutional Flow • Building Watchlists and Trading Plans • Trade Entries, Exits, and Scaling Techniques • Setting Stop Losses and Profit Targets • Trading Around Earnings and Major News Events • Trading Psychology and Emotional Discipline • Building and Managing an Investment Portfolio • Growing and Managing Small Trading Accounts • Real Trade Reviews and Step-by-Step Walkthroughs • Beginner Lessons and Advanced Masterclasses I’m also considering doing live day trading sessions where I trade live from 9:30 AM to 11:00 AM and walk through my thought process in real time. During these sessions, I would explain exactly what I’m seeing in the market, why I’m making certain decisions, and how I approach trading as the market unfolds. I believe video lessons could make learning much easier and help both beginners and experienced traders build confidence and improve their understanding. For anyone looking for a more interactive experience with direct questions, discussions, and community engagement, my private Discord community will also remain available. What do you guys think? Would you be interested in a step-by-step YouTube series?
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.
For those that choose to pay senseless management fees buying covered call ETFs, here’s how to write a covered call: Step 1) Own 100 shares of a stock, since options contracts trade in standard blocks of 100. Step 2) Open the options chain at your brokerage and look at the calls. Select an expiration date 30 to 45 days out. Step 3) Pick a strike price above what you paid for the stock to protect your upside. Step 4) Select "Sell to Open" via a limit order to pocket the premium cash directly. Step 5) Let time decay do the work, then repeat the process once the contract expires worthless. You’re welcome 😉
If you feel like you’re behind financially, zoom out for a second: * The average 6-figure earner is 35. * The average homeowner is 36. * The average entrepreneur is 42. *The average millionaire is 62. Don't let social media deceive you. You are doing better than you realize.
Zeta Global is a unicorn company. So is Palantir. We’re witnessing a redefining partnership of the enterprise software era. The future of the enterprise software stack, is real-time intelligence generation. If Palantir presents a compelling valuation - I’m tempted to strike – in and around $100 you may see me consider it. Long $ZETA. Long $PLTR
In investing, there are broadly two main phases: accumulation and spending. How you navigate those phases depends on your strategy, your behaviour and the market conditions you experience along the way. During the accumulation phase, most investors need an active layer. For many people that comes from employment income. Perhaps they may own a business or generate investment gains that allow them to contribute additional capital. Regardless of the source, this active layer is what builds the foundation of the portfolio. Alongside that many investors have a passive layer. This is the portion of the portfolio that compounds over time through investment returns, distributions or a combination of both. The challenge is that compounding is often not very impressive in the beginning. It takes time and sufficient capital before the passive layer becomes large enough to meaningfully contribute to its own growth. Whether someone follows a growth strategy focused on capital appreciation or an income strategy focused on cash distributions, the principle is largely the same. Capital must be accumulated and given enough time to compound before the portfolio can begin supporting itself. As investors approach the spending phase, a different set of challenges emerges. If someone has built a portfolio primarily around growth, they need a process for selling assets to fund their lifestyle. If someone has built a portfolio primarily around income, they need to determine how much of the income can safely be spent and how much should be reinvested to help maintain the purchasing power and capital value of the portfolio. Hybrid portfolios attempt to balance both approaches. Income can fund a portion of spending while capital appreciation can provide additional flexibility. Depending on market conditions, an investor may choose to spend more income, sell more assets or reinvest more cash flow. The reality is that no system is perfect. Every strategy has strengths and weaknesses. Different market environments expose different risks. Growth investors often focus on total return but must contend with volatility, behavioural risk and the possibility of having to sell assets during a market decline. Income investors often focus on cash flow but must consider inflation, distribution sustainability and capital erosion. Both approaches are also exposed to sequence of returns risk, although they may experience and manage it differently. In either case, poor market performance at the wrong time can cause lasting damage to the portfolio. Unfortunately, many investing discussions turn into tribes rather than opportunities to learn. People begin identifying as growth investors or income investors and then spend more time defending their chosen approach than trying to understand its weaknesses. The result is often an echo chamber where investors consume information that reinforces what they already believe while dismissing information that challenges their assumptions. That creates blind spots. An investor should be willing to understand both sides of the argument. Understanding the strengths and weaknesses of a strategy does not require abandoning it. In many cases, it simply makes the strategy more resilient. I originally thought platforms like this would be useful because they would allow investors with different perspectives to exchange ideas and learn from each other. Unfortunately, discussions often deteriorate into personal attacks, where useful information is dismissed because it comes from the wrong person or the wrong investing camp. You also see people with only a few years of investing experience during an exceptionally strong bull market speaking with absolute certainty. Some may be genuinely skilled. Others may simply have benefited from being in the right place at the right time. Distinguishing skill from luck is often much harder than it appears. Worse still, some people dismiss and talk down professionals with extensive education, training and experience simply because they disagree with them. They base that disagreement on limited personal experience during a volatile bull market, while ignoring decades of academic research in favour of advice from someone on YouTube who has been investing for three or four years. I do not have all the answers, but I believe investing conversations would improve if people spent less time trying to win arguments and more time trying to understand risk, challenge their own assumptions and learn from perspectives different from their own. Perhaps one day someone will find a way to build those bridges. Today will not be that day. That is the end of my Blossom Talk. Thanks for reading!
I know people who are entirely committed to careers trading 40 hours of their week to a job for 40 straight years… But will look at a solid long-term investment portfolio and say: "Nah, waiting 5 to 10 years for compounding to kick in takes too long…" Read that again… They will literally sign up for a four-decade grind to build someone else's empire, but won't give their own capital a single decade to buy back their freedom. Building wealth isn't an overnight event. It's a slow, quiet accumulation of assets that happens while everyone else is looking for a shortcut. Shift your timeline. Stop looking for a get-rich-quick miracle and start building an unstoppable foundation. $VOO$XEQT$QQQM$VFV
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! 🙏🏼
Turning 18 this year and interested in putting some money into some sort of stock/crypto, just investments. What should I do look out for or put my money into? Any tips as well, thanks :)
Hey y’all, I’m trying to get more into my investing and while I have most of it automated for now to make it easier on myself to just focus on adding money and not stressing about what to buy. I’m curious on what ETFs or mutual funds are good for just increased income and aren’t necessarily growth but payout something closer to dividends if that makes sense. Anything y’all recommend? 
Episode 3 of the Retail Rundown is live !! On this episode we want to bring our rich friends to tell us how they REALLY make money. We sit down with entrepreneur, crypto trader, and content creator @zac_hartley We dive into Zach's journey from running for Mayor of Calgary to building multiple income streams through domain investing, Bitcoin mining, Amazon FBA, 3D printing businesses, AI-powered software projects, and stock market investing. Zac shares how he turned a $15 domain purchase into a $4,000 sale, built a 3D printing business generating roughly $200,000 in annual profit, sold his Amazon operation, and used AI tools like Claude to build a Canadian finance platform in just a few hours. We also discuss: • Bitcoin's 4-year cycle and crypto mining profitability • Amazon FBA and product launch strategies • Selling a business and entrepreneurship lessons • AI, software development, and vibe coding • Canadian investing, ETFs, TFSAs, and sovereign wealth funds • Diversifying income streams and learning from failure Subscribe for more episodes of Retail Rundown & who we should bring on next ! https://youtu.be/yDE_MV6hRo0?si=dG2ooCCP_Cv-SLDs
Let me start off by saying thank you everyone for the kind words 22 years is a long time and it’s tough. I appreciate your kindness, means a lot so from the bottom of my heart thank you ❤️ Now I know if you’re holding micron your emotions right now are everywhere. It’s a tough decision holding through earnings based on passed memory cycles. However There’s a very big miss understanding when it comes to AI. The models you have access to is considered “retail” Claude, OpenAI, Gemini etc the information that’s given in these models is internet access plus user memory data, these models are then trained using all that data. Are you following? Now imagine this. Let’s take a company like Intel. And you give it access to one of these models but you also allow it access to all of the companies data from the start of 1968. Goose what are you saying? When you take a LLM and give it access to secret data, the model is going to predict whats the next outcome for the company. Essentially an ecosystem or pipeline to make more revenue within . Thats super intelligence. (It’s what Jensen is doing putting is foot in every door) This is worth more than gold. Now each company has a tool to allow them to solve problems within the company. Something humans do amongst one another. But now you have a super intelligent agent smarter than any human so what do you do? You fire people you don’t need for those specific roles. Why? We have a super intelligence tool we don’t need you. But it’s not true.. they’re still going to need people but it doesn’t require your knowledge anymore. Just your labour. (Remember ice) Factories, plumbers, electricians, maintenance workers, anything that requires labour. You’ll see an increase in wages. This is why memory is no longer a cyclical thing. Each company & their revenues will boom. We are at agentic Ai , multiple agents deployed to do tasks humans are no longer needed for. Smart agents. Not AI slop that’s given to the public. Real super intelligent agents that require huge amounts of memory. Now imagine when the US government gives access to its history of one of these models.. you see where this is going? Samsung SKhynix and Micron. HBM memory is what allows this a possibility for American companies to do more. It’s what makes the model smart. The other memory is memory that just sits and waits to be picked up. Just as important and that’s Sandisk, western digital, Kioxia. Etc I’ll give you an example of this A former Air Canada pilot, Geoffrey Wall, 59, of Barrie, Ontario, was charged with fraud and forgery after allegedly captaining over 900 domestic and international flights without the required Airline Transport Pilot Licence (ATPL). He possessed a valid commercial pilot licence but forged credentials to act as a captain How were they able to catch this guy? Super intelligence . you give a model access to your data and you’ll see things you never even thought to see before. The value of AI is incredible. But If it gets to far in the wrong hands it can end our existence. And this is the race ladies and gentlemen. Imagine the drug discoveries. A company like Elli Lilly or Johnson & Johnson. Etc Memory is better than gold. And Micron is your next Nvidia. (Unless someone disturbs the HBM 4 line) I want to see you guys win. I want you to understand why my conviction is so strong. Why I see things differently. Why I understand things differently . My price target for Micron is $1525 Thank you guys for everything ❤️ Market hasn’t caught up yet. PS remember I told you a new position is coming soon? SKHynix . Please always do your own research it’s important, my risk tolerance isn’t like yours. This isn’t financial advice. https://www-cnbc-com.cdn.ampproject.org/v/s/www.cnbc.com/amp/2026/06/24/sk-hynix-nasdaq-adr-listing-south-korea.html?amp_gsa=1&_js_v=a9&usqp=mq331AQIUAKwASCAAgM%3D#amp_tf=From%20%251%24s&aoh=17823094465725&csi=1&referrer=https%3A%2F%2Fwww.google.com&share=https%3A%2F%2Fwww.cnbc.com%2F2026%2F06%2F24%2Fsk-hynix-nasdaq-adr-listing-south-korea.html
No, this is not AI! I have such a strong conviction in my portfolio and I am such a fan of it that I have printed a poster! 🤪 It will go straight to my office above my desk, as a daily reminder to stay the course and keep on investing!! 💪🚀🚀
