Over the last 3 years, my investing journey has grown my knowledge and I then helped grow out portfolio. But that didn’t come from me just reading books or going to some finance class. This journey has connected me with so many different styles Of investing and investors. To many to name in this post. All of them bring something to the @blossom community. Moe @moementumfinance is one of those people. This interview was excellent to listen to. So many subjects covered and inspirational to myself and I hope to others. Moe is charismatic and kind and loves to talk finance. Zayla talks about paying yourself first. This resonates with me in so many ways. To me paying yourself first is fundamental to growing your wealth. But doing it while you are still living your best life Sure I don’t buy coffee because I make may own. But I love a good meal with my wife and a drink. We are still paying ourselves and living our best life. If you have some time check this video out. Tell us do you pay yourself first. If so share with us your philosophy https://youtu.be/hiUF2bQvs1Y?si=T_HaTyWYy0imkWzK read more
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
Trump gives a thanks to his “legendary friend” Elon Musk for pledging to give SpaceX $SPCX stock to millions of American children through Trump Accounts. I want a legendary friend.. 🥺
Already hold 32% of our portfolio in $HHIS. Will try to maintain 25% long term. Slowly started building $HBTE. Can't neglect to add more at current price 😍. Will do better in Crypto Bull Market. Trying to have 5% of our portfolio... What's your taught on this? Do you holds both in your portfolio?
Note : I didn't include $BDAY as it only holds 100% in I₿IT. + (25% leveraged amount. Generate income via writing ODTE options on $QQQM) $CDAY : 25 🇨🇦 Dividend Aristocrats (100%) + (25% leveraged amount. Generate income via writing ODTE options on $VOO) $SDAY : 37 🇺🇸 Dividend Aristocrats (100%) + (25% leveraged amount. Generate income via writing ODTE options on $VOO) $QDAY : 24 🇺🇸 Profitable Tech (100%) + (25% leveraged amount. Generate income via writing ODTE options on $QQQM )
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
"Here's a data-point for you... Golf courses consume 200x more water than all of our datacenters. In fact, they consume more in two days than all of our datacenters combined." – Andy Jassy, CEO $AMZN$AMZN
I recently opened a Robinhood account to test out their agentic features. This is nothing more than a passion project that will be kept separate from my long term Schwab accounts and any added funds are expected to be 100% lost as I tweak the agent. With that being said… • Has anybody messed around with these features? • Did anything surprise you in a good or bad way? • Is there anything I should do to make my experience better? Comments are open to anyone who wants to give advice or rip me to shreds! 😁read more
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
Yesterday - after a lot of research - I decided to do something radical. I bought more Yieldmax $MSTY . Over the past 1.5 years most have abandoned MSTY - a posterchild Ultra-Yielding NAV ERODER. BUT... has it really? Did most get MSTY all wrong? For all you DCA'ing $MSTE - have you been DCAing on the wrong $MSTR CC ETF? (Check out my pinned comment below comparing MSTY vs MSTE) https://youtu.be/344xY-5QyiY?si=7hXie7qjHEcFCV-I
— Larry Berman (CIO of ETF Capital Management) shared an interesting view on the upcoming Anthropic IPO. Even though everyone is super excited about AI right now, he identified a few key points: 1. Most companies aren't actually making big money from it yet. 2. Where the profits are: Right now, big AI revenues and profits are mostly staying with the giant tech leaders like Microsoft ($MSFT), Nvidia ($NVDA), Alphabet ($GOOGL), and Amazon ($AMZN). 3. The broader market: The rest of the S&P 500 (the S&P 493) has not seen a big boost from AI yet. 4. The fund impact: This also affects broad tech funds like $QQQ and specialized AI ETFs like $AIQ, $BAI, or $BOTZ. 5. Larry views the Anthropic IPO as a major milestone for long-term AI productivity, but cautions that investors shouldn't chase the hype blindly since real revenues remain concentrated in mega-cap tech giants while the rest of the market waits to catch up. Are you sticking with the tech giants making real AI money right now, or holding broader tech funds until the trend spreads? — This is for information only and it is not a financial advice.read more
WHY YOU NEED A PROFIT-TAKING PLAN 💰 Have you ever been up 40% on an options trade, decided to hold for 100%, and watched your gains disappear? You’re not alone. 👀 One of the biggest challenges in options trading isn’t finding a good entry. It’s knowing what to do AFTER you enter. Let’s talk about it. 👇 🎯 1. STOP EXPECTING EVERY TRADE TO BE A HOME RUN You buy a contract at $1.00. The contract rises to $1.40. You’re up 40%. But instead of following your plan, you tell yourself: “Let me hold a little longer. This could easily hit $2.00!” Then the stock reverses, and your contract drops to $0.75. Now you’re sitting on a loss when you previously had an opportunity to secure a profit. The lesson: Don’t let greed make your decisions for you. Have a profit-taking plan before entering the trade. 📊 2. CONSIDER SCALING OUT OF YOUR POSITION Instead of selling everything at once or holding everything until the end, some traders choose to take partial profits. For example: You buy 10 contracts at $1.00 each. Your total cost is $1,000. The contract rises to $1.50. You could sell 5 contracts at $1.50: * Initial cost of those 5 contracts: $500. * Sale proceeds: $750. * Realized profit: $250, before fees. You would still hold 5 contracts, which could continue gaining or lose value. This approach lets you realize some gains while maintaining exposure to a potential further move. ⚠️ Remember, partial profit-taking doesn’t guarantee a profitable overall trade. 🛑 3. KNOW WHEN YOUR TRADE IDEA IS WRONG Taking profits is important, but managing losses matters just as much. Before entering a trade, identify the price level or market condition that would invalidate your setup. If that happens, reassess the trade instead of holding simply because you hope the stock will recover. Options can lose value quickly, especially near expiration. 💡 4. STOP MAKING DECISIONS BASED ON EMOTIONS Three emotions can seriously affect your exits: ❌ Greed — refusing to take profits because you want more. ❌ Fear — closing a good trade too early without following your plan. ❌ Hope — holding a losing trade because you don’t want to accept being wrong. The solution? Build a plan before entering and use it to guide your decisions rather than reacting to every candle. 🔥 THE BIG TAKEAWAY A good entry is only one part of trading. You also need a clear exit strategy, realistic expectations, and disciplined risk management. You don’t need to catch the absolute top of every move. You need a repeatable process that helps you manage both winners and losers. 👇 QUESTION FOR THE COMMUNITY: If you bought an options contract at $1.00 and it reached $1.50, would you: A) Sell everything and secure the profit. B) Sell half and let the rest run. C) Hold everything because you believe it can go higher. Drop your answer below and explain your reasoning! 📈read more
When I was young, I chased money, I thought about wealth in terms of numbers. Growing my portfolio, reaching milestones, and getting closer to financial independence. But recently.... life has a way of reminding you what truly matters. I spend years building wealth for the family, chasing the next milestone, and working towards financial freedom. But at the end of the day, what good is financial freedom if you forget what you're working so hard for... I cant stress it enough, spend time with family the time we spend together, and being there for the moments that matter most. Money is simply a tool to buy back our time and create more freedom for the people we love. i gotta admit, Ive been so caught up in building my future sometimes that I forget to enjoy the present. Having my wife, my 2 healthy kiddos, enough money to travel, have food on the table, pay all our bills, roof over our heads, thats real wealth. ❤️
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
Happy Friday, Blossom! 🌸 I went back to the gym after 5 months! 🏋️♀️ When life flips 180 degrees, it's easy for your routines to fall apart. This week was rough, and the market was red too 😂 ( I did buy the dip to the extent I could though!!) but getting back to something I enjoy reminded me that investing in ourselves goes beyond our finances! As I adjust to this new chapter, it feels good to slowly get back to the things I enjoy. My gym membership is one way I invest in myself. It's on the pricier side, and I could find a cheaper gym, but I genuinely enjoy the amenities, and it's worth paying extra for something that fits my lifestyle. We talk a lot about saving, investing, and making smart financial decisions, but sometimes we forget WHY we're doing it. For me, it's about building a comfortable future while still enjoying life today. It's treating my friends and family, taking that much-needed vacation, and spending on things that genuinely make me happy. There's a difference between being financially responsible and depriving yourself of everything you enjoy. If we cut out everything that makes life enjoyable, reaching our goals can start to feel like a chore. Don't forget to invest in yourself along the way.You deserve to enjoy the life you're working so hard to build. 💗 What's one way you invest in yourself outside of your finances? Have a wonderful Friday, and happy investing!! 💚💚 read more
📊 Anthropic’s IPO filing revived the AI trade and lifted chips. The Nasdaq jumped 0.82% to 26,169.38, the S&P 500 gained 0.7%, the Dow added 0.28% and Canada’s S&P/TSX Composite rose 0.44%. 🧠 Anthropic filed publicly for an IPO, reporting $16.29 billion in revenue for the six months ended June, up 1,304% from $1.16 billion a year earlier. It plans to list on the Nasdaq under ticker ANT. Semiconductors rallied on the news, with the iShares Semiconductor ETF ($SOXX) up nearly 3% and Nvidia ($NVDA) climbing 2.4%. ✈️ JetBlue ($JBLU) tumbled 12% after a Wall Street Journal report that senior creditors are working with a restructuring advisor. Its 14-day RSI hit 13.3, the lowest reading on record, and the stock is down roughly 50% this year. 🛒 Instacart ($CART) surged 7.87% on a Journal report that DoorDash ($DASH) is in acquisition talks and a deal could close this week. DoorDash slid 5%. 🍁 The TSX closed higher as gold gained and oil retreated, with Canadian banks leading. The Bank of Canada decides on rates Wednesday, and the loonie steadied after a seven-day rally. 🛢️ Brent fell 0.8% to settle at $115.81 and WTI slid 1.7% to $101.57. The U.S. Strategic Petroleum Reserve sits at 282.6 million barrels, its lowest since 1982, as the government draws down stocks to offset Middle East disruption. 👨🏻💻 Researched and written daily by @timeminoread more
18.97% annualized return since inception. A 10%+ yield. Amazing... It even beat the TSX 60, it’s benchmark!!! 🤯 So why did my analysis find that $HDIV UNDERPERFORMED a more comparable benchmark by 1.9% PER YEAR? That’s because HDIV isn’t really comparable to an unleveraged TSX 60 total return index. It has 1.25X leverage, significant concentration, much more tech exposure, US exposure, and a completely different portfolio construction.... And once I accounted for that, the “KING” narrative got a lot more complicated and well... you’ll see. I went under the hood on EVERYTHING is could in less than 20 minutes, from the 1.75% current cost, covered calls, leverage, distributions, ROC, total number of underlying stocks (and even the effective number of stocks), risk, drawdowns, and all the changes HDIV has made since launch (you will be SHOCKED by that one)! I also tried to answer as many of your HDIV questions as possible…. If I missed YOUR question, put it in the comments of the YouTube video pretty please. I’ll answer it there so everyone can benefit from the answer. Here it is!!! https://youtu.be/AWVSiutDV_M read more
These aren’t rules, facts or anything definitive; just some of the many opinions I’ve built over nearly 30yrs of stock investing. Take em' or leave em', it's all good to me because they're accurate. 🤷♂️ Here goes, in no particular order. Far too many investors… … have a gambling mentality when it comes to investing. ... focus on where a stock once traded to determine 'fair value’. ... think their pain threshold for unrealized losses is far higher than reality. ... risk far too much for a potentially very small win. ... create a lot of bad habits during bull markets. ... fail to acknowledge mistakes, so they fail to learn from them. ... under-estimate how can be lost going all-in on high or no P/E growth. ... rely on 'wishful thinking' over an actual 'investment thesis'. ... ignore anything negative about their stocks due to confirmation bias. ... will jump into day trading and/or margin usage at worst possible times. ... make blindly 'buying the dip' they're primary investing strategy. ... consider bullish "what-ifs" , while ignoring bearish "what-ifs". … equate every bit of news as a catalyst, while it's just ‘business as usual’. .*. spend too much time on small positions & not enough on large positions. .*. fall prey to "how much lower can it go" thinking, and later learn A LOT! ... underestimate 'company specific risk' and invest too much in one stock. ... worry about how they rank against others instead of focusing on self. … don’t understand what ‘the market is forward looking’ truly means. ... fail to factor 'we don't know what we don't know' in investment thesis. ... confuse getting lucky with having a sound investment thesis. ... will eventually get kicked in the throat by an unexpected margin call. .*. own too many individual stocks complicating things for no reason. … don’t spend enough time trying to break their bullish investment thesis. … scream "manipulation", when wrong about their favorite stock. ... spend too much time on social media telling others their stocks are best. ... think 'time in the market' guarantees profits, which isn't true for stocks. ... fall for recency bias when projecting future returns. … think they know more about a stock/company, than they actually do. ... sell their winners early and hold their losers indefinitely. ... willingly pay high expenses on ETFs that don't deliver. .*. happily DCA to lower cost basis, but won't do it to raise cost basis. ... turn a blind eye to dilution from rampant share issuance. ... ignore importance of long-term diversification. ... assume any ETF or mutual fund is safer than a stock. .*. get caught up believing the hype of a highly speculative stock. ... don't bother researching balance sheet & other key metrics.. ... under-estimate what's needed to retire 'comfortably', incl. fire/coast fire. .*. over-estimate what's needed to retire 'comfortably' (opposite of above). ... are far too quick to give advice while being ill-equipped to do so. ... over-estimate their true returns by failing to offset deposits. ... get cocky during bear markets & ultimately lose years of gains because of it. I think I've shared something similar to this in the past, so if I'm being honest, not really sure why I'm sharing... As with most of my posts, it's likely driven by what I'm seeing in my Blossom feed. And full disclosure, I've been guilty of a few of these (.*.) myself. Maybe you're guilty of some too. ** Wanted or not, I'll add to this list as more come to mind. **read more
What should investors know before buying covered-call ETFs? Is a high distribution yield really passive income, and how do you know if your investments are actually growing your wealth? In this episode of Moementum Finance, I'm joined by Zayla Saunders, Vice President of Online Distribution at BMO ETFs, to talk about her personal money journey, investing philosophy, and what she's learned from helping Canadians become more confident investors. Zayla shares how money wasn't openly discussed in her household growing up, how she went from financial planning and mutual funds to believing in broad-market index investing, and how reading "A Random Walk Down Wall Street" book helped change her perspective. We also discuss why she favours low-cost index ETFs, the importance of paying yourself first, and how keeping investing simple can help you build wealth over the long term. We dive into the growing popularity of covered-call ETFs and income investing, including the difference between distributions and total returns, return of capital, and why NAV erosion is real. Zayla also explains her work at BMO ETFs, how the team supports self-directed investors, and why understanding what's under the hood matters before buying an ETF. We also discuss ETF overlap, common investing mistakes, market timing, BMO's T-Series ETFs, and how Zayla approaches her own portfolio. She shares her perspective on financial independence, explaining why she values financial autonomy and the freedom to make your own choices. Plus, we talk about spotting red flags in online financial content, building better investing habits, and why you can still enjoy your money while working toward your financial goals. 💬 We'd love to hear from you: If you could go back and give your younger self one piece of money or investing advice, what would it be? Let me know in the comments! https://www.youtube.com/watch?v=hiUF2bQvs1Yread more
📊 The selloff spread beyond tech as oil pushed past $100. The Dow dropped 1.23% to 52,215.16, the S&P 500 slipped 0.52%, the Nasdaq lost 0.21% and Canada’s S&P/TSX Composite fell 0.52%. 💳 American Express ($AXP) fell more than 3% after announcing it will cut about 5% of its global workforce, citing the need to prepare for AI. Caterpillar edged down about 2% and Goldman Sachs lost more than 1%, adding to the Dow’s drag. 🛒 Discount retailers sank on diesel costs. Dollar Tree ($DLTR) and Dollar General ($DG) each dropped around 5% after Wells Fargo warned that third quarter diesel prices, up roughly 60% year over year, will more than double the hit to earnings per share to 6.2%. Dollar Tree is the most exposed, facing about $25 million in third quarter profit pressure. 📡 Rogers Communications ($RCI) slid despite beating on both lines, with adjusted earnings of $1.29 per share on revenue of $5.44 billion. Wireless service revenue fell 1%, mobile ARPU dropped to $55.22 from $56.70 and postpaid net additions collapsed to 6,000 from 62,000 a year ago. 🚚 Mullen Group ($MTL) gave it all back, falling 10.90% to $28.76 to finish as the worst TSX performer. The logistics company had led the index Thursday with an 11.50% jump on record quarterly results. 🛢️ Brent rose 3.1% to settle at $116.72, its highest since April, and WTI gained 3.8% to $103.27 on reports the U.S. and Israel may be planning renewed strikes on Iran. ExxonMobil, Chevron and ConocoPhillips all hit all-time highs, while uranium and clean energy ETFs fell to 52-week lows. 👨🏻💻 Researched and written daily by @timeminoread more
I asked ChatGPT work to give me its top 10 stock buys for growth right now in the market And here’s what it gave me: 10. $GOOGL 9. $CRM 8. $NVDA 7. $SE 6. $META 5. $NOW 4. $NU 3. $AMZN 2. $UBER 1. $MELI Thoughts? Do you hold any of these? 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
I'm working on an ETF deep dive into $HDIV, one of the most requested ETFs. I want to know what YOU actually want answered.... not just the advertised yield or how much it pays every month. I want to dig into the numbers and the questions that matter to YOU. How sustainable are the distributions? How much comes from return of capital? What are the underlying holdings actually doing? How does the leverage affect risk? Is HDIV delivering enough total return to justify its costs and complexity? Those are just a few starting points and examples.... What are the HARD questions you want me to answer? And as always, this is open to all, whether you're a holder, thinking of buying it ... or skeptical of the whole covered call strategy. I'd love to hear what you want to know and then i'll do my very best to separate the marketing from the data. Ps. The tougher the questions, the better 😏
Just arrived home from a quick trip to London - it was my first time visiting. What a cool city. Full of friendly people. And so much character! Found it super interesting to learn that there’s still very much a ‘saving’ mentality in the UK. But that seems to be changing. Shoutout to Max for delivering an incredible speech (as usual) about Blossom. He presented our platform and mission in a great way and it was very well received by the Brits!
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
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!
