As I'm sure many of you know, Blossom added a new AI detector. I wanted to share some of my thoughts on AI and how I use it to help me create my Blossom posts and other content. If you haven't noticed already, the vast majority of my posts are written using AI. If that bothers you, no worries, you don't need to read my content. Here's how I use AI to help me create my posts: When I find a topic in my QAFP studies or have an idea I think is worth sharing, I talk through it into Wispr Flow for a few minutes. It always starts with an idea or an opinion that I have, and then I talk through that opinion or the new concept that I just learned. After that, I usually get an LLM to make my thoughts more understandable and clear while still trying to preserve all of the ideas and opinions that I have. I have no issue using AI this way because the topic, perspective and responsibility are still mine. It helps me turn a few minutes of rambling into something easier to read. I do see an issue with a large number of AI posts on Blossom and other social media platforms. For example, whenever I see em dashes and glaring AI-isms, I automatically discount the content that I read in those posts. The posts I discount are the ones where it feels like the person contributed almost nothing. The repeated phrases and perfectly balanced sentences are easy to spot, but the bigger problem is that the person did not bring a point of view of their own. AI can make a weak idea sound polished without making it worth reading. I am responsible for every claim I publish, whether AI helped arrange the words or not, and that responsibility matters far more to me than a detector score. How do you feel about AI-assisted posts?read more
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
The Trump administration has definitely had a negative (BIGLY) impact on global markets but I am staying the course. I have five ETFs that provide global diversification and some monthly income--which I continue investing back into those same ETFs. Today saw some of the losses reversed and I am finally within reach of a major milestone. #HDIV #XEF #XEI #VDY #ZEQT
Another week in the books! 📈📉 This week was a reminder that the market doesn’t move in a straight line. We saw pressure across Canadian equities, a midweek sell-off, and a partial recovery heading into Friday. My TFSA strategy remains focused on two things: building passive income while growing my wealth over the long term. 💵 Income: My high-income ETF positions continue to play a role in my passive-income strategy. The goal is to keep building that monthly cash flow and eventually reach $500, $1,000, $1,500 per month and beyond. 🚀 Growth: CAGE and VDY remain part of my broader wealth-building approach, balancing equity exposure with my income-focused holdings. ⚠️ Risk management: Positions like MSTE and TSLY can experience significant volatility. High distributions are attractive, but I’m keeping an eye on total returns and capital preservation—not just the payouts. 🎯 The bigger picture: I’m investing consistently, staying focused on my goals, and looking beyond a single week of market movements. Red days are part of investing, and green days are never guaranteed. My goal isn’t to get rich overnight. It’s to build a portfolio that can generate meaningful passive income while working toward long-term financial freedom. How did your portfolio finish the week? 📊 Were you buying the dip, holding steady, or taking some profits? Let’s talk in the comments! 👇read more
🚨 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
$BORR founder has been buying shares like there is now tomorrow, because he now believes he’s at an infliction point where cycle is turning. Q1 2026 he owned roughly 8% now he owns ~11.3% after he bought 9.2M new shares this year worth $42M. Why is he so bullish you might wonder? Well, BORR has been going through a pretty solid transformation with a series of positive news coming out over past few weeks: 1. Debt pushed way out, they swapped the old loans for new ones that aren't due until 2032 to 2034, so there's no big bill coming soon, and the interest is cheaper. 2. They had a bad Q2 which now looks like it was temporary because several rigs were between jobs and one rig (the Odin) cost a lot to get ready and had too much idle time. Those rigs are back at work, and management expects Q3 profits to be much better. 3. Most of the year is already booked. About 73% of the fleet's 2026 days are under contract, at around $134,000 per rig per day. 4. They bought more rigs cheap after partnering with another company on splitting the cost of five more rigs for $287 million, so Borr didn't have to put up much of its own money. 5. They also signed a lot of new contracts, since mid-September, five rigs have won new jobs or had customers extend existing ones, including Shell and ENI. Now look at when he’s buying after major events or news comes out. Q2 results came out Aug. 11th and he bought more shares Aug. 13th. An update on the Odin rig went out Sep. 15th, and he bought a million shares Sep. 16th. New contract awards were announced September 30, and he bought 4.25 million shares from Oct. 5th to 7th I am SUPER bullish on BORR with a substantial call options position with strikes at $7.5 and $9.read more
⚠️ 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
📈 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
For context: $ZETA represents 17% of my portfolio at a $16.56 cost basis, up ~100%, and I haven't sold a single share. Tomorrow I'm publishing my complete $ZETA investment case, and here's a preview of what's inside: - Why ROAS sits at the center of the entire pitch - The data moat no competitor can replicate - Athena plus the OpenAI, Palantir, Snowflake, and AWS partnerships - My DCF and bear/base/bull scenarios running to 2031 I think $ZETA emains undervalued at $32.63, and this is a 3-5 year compounder rather than a 3-5 week trade, so stay tuned. It drops on my Substack tomorrow, subscribe so you don't miss it 👇 https://substack.com/@summitcapitalcoread more
there is some secret to getting wealthy. You can literally just: 1. Buy ETFs or index funds 2. Avoid credit card debt 3. Spend less than you make 4. Build a 3-6 month emergency fund 5. Repeat for years And become insanely rich.read more
I have been thinking about how to make this easy and actionable for anyone interested to learn about options trading and I thought there is no better way to start than by demonstrating what an option would look like if written out like a real contract between two people. In the following posts of this series I’ll cover the more technical stuff in detail, but for now I’ll keep this post fun, simple and without too much jargon… Strip it down and an option is basically a deal between a buyer (buying a right) and a seller (selling an obligation). So let's write a hypothetical options contract out. Take your time to read it, because all the terms you’ll need are sitting inside the contract. (strike, premium, expiration, underlying) ———— Draft CALL Contract Theoretical (this is just for illustrative purposes to help you understand the concept): I, Moe the buyer of this call option contract, reserve the right, but not the obligation to buy 100 shares of ABCD (underlying) for $50 per share (Strike Price) valid until 21st January 2027. In exchange for this right I agree to pay a premium of $1.50 per share. I, Mr. Market the seller of this option contract am obligated to sell 100 shares of ABCD for a set price of $50 until 21st January 2027 if the buyer chooses to execute the terms of this contract. For this I will receive $1.50 per share in premium. End of contract. ———— Now some quick context and basics to help land this for you guys: 1. We have two types of options contracts CALLS (option to buy when price goes up) and PUTS (option to sell when a price goes down) 2. All options contracts for stocks and ETFs are for 100 shares (you don’t pay price of share you only pay for the premium per share in the example above that would be 100*$1.5 to own the right to purchase the stock at $50) 3. Every contract has a strike price at which the buyer can exercise the contract to buy or sell the shares 4. Every contract has an expiration date after which if the holder doesn’t exercise it expires worthless and the seller keeps the premium. This is post one in a six post series, feel free to drop questions or feedback in the comments below and I’ll answer everything. Hope this was easy to follow for anyone looking to explore options and there is a real option contract example in the image attached.read more
Great day in the market today. Palentir ripped 750 long, photonics ripped, energy ripped, Amazon ripped and my wonderful 10,000 shares of NAUT ripped! All in all up 2.45% for the day. See you Monday!
Here's your Friday close summary ⏬ As of Friday's close (markets open in ~65 hours ☕): 📈 S&P 500: +0.64% 📈 Nasdaq-100: +0.46% 📈 Dow Jones: +0.99% 📈 TSX Composite: +1.50% 📈 Your portfolio: +2.14% Friday's session was a genuine split-screen day 📺 — tech rebounded and lifted indices, but beneath the surface oil 🛢️ was the real story. WTI settled near $92 and Brent cracked $104 after Trump announced a deal with Putin to release Russian diesel into global markets, easing some of the acute supply pressure but keeping prices elevated. [ref:1] Consumer sentiment also tumbled to 46.3, the second lowest reading on record — a flashing yellow light on the macro dashboard. [ref:1] The telecom sector got absolutely torched 📡 Friday. SpaceX announced a deal to acquire a nationwide spectrum portfolio, sending Verizon down nearly 9% — its worst single day since 2002 — while AT&T and T-Mobile also fell on competition fears. [ref:1] It didn't hit you directly (your telecom weights are tiny), but it's a good reminder of how quickly a single competitor move can reprice a whole sector. The other headline that's hard to ignore: 💉 Moderna surged after the NYT reported the NIH is launching a public-private push on personalized cancer vaccines starting in December. Moderna is already developing one with Merck and is now up more than 600% this year, making it the S&P 500's best performer. [ref:1] Your portfolio 💪 absolutely crushed both indices Friday, coming in at +2.14% against the TSX's +1.50% and the S&P's +0.64%. The big driver was your Materials exposure — gold and silver miners had an exceptional session on the back of geopolitical safe-haven demand and elevated precious metals prices. Your 45% tech weighting also held firm despite broader tech jitters, carried mainly by $SHHI (+2.81%) on $SHOP's strong session (+3.97% on the TSX). 🛍️ 🥇 Gold and silver were the standout macro theme of the day for your book. $AEME (Agnico Eagle ETF) surged +3.88%, $ABHI (Barrick ETF) +3.93%, $ZJG +3.87%, and silver plays like $SVRS (+4.30%), $PAAS (+3.03%), and $SVR (+2.95%) all had strong sessions. With oil spiking and geopolitical tension elevated, precious metals are doing exactly what they're supposed to do in your portfolio. 💛 🤖 Palantir / $PLTE +4.34% — your top single-day gainer by move. This was Goldman Sachs-fuelled: analyst Gabriela Borges upgraded Palantir to "Buy" with a $230 price target, citing the AI market's shift toward sovereign AI systems as a key growth driver. That upgrade, layered on top of Palantir's blowout Q2 (93% revenue growth, 149% U.S. commercial growth), gave the stock a meaningful leg up. Your $PLTE ETF captured most of that move. 🚀 🇨🇦📡 $T (Telus) -3.06% — this is a deeper, ongoing story. Telus cut its quarterly dividend 55% (from $0.42 to $0.19/share) when it reported Q2, paired with a $2.1 billion writedown on Telus Digital and a sharp guidance cut. New CEO Victor Dodig is prioritizing debt reduction over income — the stock has been grinding lower all year. Your position is tiny (~$375 CAD) so the damage is minimal, but worth knowing the thesis has materially changed here. Similarly, $BCE fell nearly 5% Friday, partly caught in the telecom contagion from the U.S. spectrum news. 📉 🦑 $PNG (Kraken Robotics) -5.08% — no fresh company-specific catalyst found for Friday's drop. The stock has been volatile in recent weeks as investors digest the Covelya acquisition integration and reset from a high near $8.13 this year. The underlying thesis remains intact — $327 million in combined product orders year-to-date, strong defence sector tailwinds, and NATO underwater systems spending — but it's been a rough few months. Most analysts still have a "Buy" with average targets well above current levels. Patience seems to be the prevailing view. 🎯 🚀 $MDA (MDA Space) +3.07% — Friday's bounce came after a rough stretch. MDA has been pressured by dilution concerns following a U.S. IPO earlier this year and negative free cash flow in H1 2026. That said, the company's long-term story (satellite systems, robotics, defence) remains very much in play. Total revenue was up 48% year-over-year as of Q2 and JP Morgan maintained an Overweight with a raised price target. Earnings are expected November 13 — that could be a real catalyst either way. 📅read more
𝗪𝗲 𝗿𝗲𝗺𝗼𝘃𝗲𝗱 𝘁𝗵𝗲 𝗳𝘂𝗻𝗱 𝗶𝗻𝘀𝗶𝗱𝗲 𝘁𝗵𝗲 𝗳𝘂𝗻𝗱. Until this week, $TDAQ held its stocks through another ETF, and that fund's expenses sat on top of ours. Now TDAQ holds its stocks directly. 𝗧𝗗𝗔𝗤'𝘀 𝘁𝗼𝘁𝗮𝗹 𝗮𝗻𝗻𝘂𝗮𝗹 𝗳𝘂𝗻𝗱 𝗼𝗽𝗲𝗿𝗮𝘁𝗶𝗻𝗴 𝗲𝘅𝗽𝗲𝗻𝘀𝗲𝘀: 𝟬.𝟴𝟯% → 𝟬.𝟲𝟴% Our 0.68% management fee is unchanged. The 0.15% in acquired fund fees is gone. 𝗪𝗵𝗮𝘁 𝘀𝘁𝗮𝘆𝘀 𝘁𝗵𝗲 𝘀𝗮𝗺𝗲: ✓ Same ticker ✓ Same daily covered-call strategy ✓ Same distribution schedule Shareholders don't need to do anything. See TDAQ's updated fee table and holdings → tappalphafunds.com/etfs/tdaq read more
As many of you know I am a big $NVDA fan. It is currently my largest position, and it has likely been one of my best performing investments (if not the absolute best) over the last few years. I last made a post about $NVDA in May of this year. I called Nvidia the gift that keeps on giving!🎁. And this is so true…. https://link.blossomsocial.com/7uYa/hhuj224k I first started purchasing $NVDA shares in Dec 2023, shortly after I opened up my new self-directed Questrade account, which is the account that is linked to Blossom. My first purchase of $NVDA was on Dec 4, 2023. I purchased 70 shares of $NVDA at $455.45. This is pre-split. This works out to a post split purchase of 700 shares at $45.55 per share. In retrospect that seems like a bargain, and I wish I would have purchased more shares of $NVDA at that price back then!😂😂 Anyways, right around that time, $NVDA shares started to pump up significantly. Within a few weeks the price of $NVDA shares went up to over $500, and then $600 and then over $700 per share (all pre-split) by mid Feb 2024. All this time, I was purchasing a significant number of $NVDA shares.👍 Around that time, one of my close friends told me that I should be careful ‼️⛔️☢️, and that at $700 per share (pre-split), that $NVDA was TOO expensive, and that I should NOT buy any more! Luckily, I did NOT listen to my friend, and I continued to INCREASE my position in $NVDA.👍😂 Between Dec 4, 2023 and July 30, 2024, I purchased Nvida shares 32 different times! I sold Nvdia shares on 3 occasions over this same time frame. $NVDA was doing so well around that time, that they did a 10 for 1 stock split on June 20, 2024.📈. My total $NVDA shares by July 30, 2024 sat at 5,595 shares!💰🚀🌖 $NVDA was trading for around $177 at that time, post split. $NVDA recently hit an all-time intra-day high just yesterday (Oct 5, 2026) of $243.37.🔥 I took this screenshot on Blossom today, when $NVDA was sitting at $241.48 (Pic 1).🧨 My $NVDA position is sitting at $1,614,457 CAD (Pic 2).👍 Gains of $1,101,302 or 214.61%. Dividends of $3,731 or 0.73%. Total unrealized return of $1,105,033 or 215.34% (Pic 3). A three bagger!👍💰🚀 I have also sold shares of $NVDA in the past, and my realized gains on $NVDA shares sold are $248,652 according to Snowball Analytics (Pic 4).💰💵 So, the total of unrealized and realized gains for my $NVDA investment is: $1,105,033 + $248,652 = $1,353,685. My total position in $NVDA including current position plus the realized gains on Nvidia shares sold in the past are $1,614,457 + $248,625 = $1,863,109. Close to $2M CAD in one stock!👍😂 $NVDA currently trades at a forward PE of around 22.88 to 24.88 according to Yahoo Finance. This is actually near the LOWER END of Nvidia’s range over the last several years. Nvida’s forward PE ratio sat at 30.12 in 2024 and 32.25 in 2025. And one could compare Nvidia’s forward PE ratio to the forward PE ratio of $AMD for example, which sits at between 39.5 to 58.9. In otherwards, $AMD trades at about 2x the forward PE of $NVDA. One could argue that $NVDA is cheap (or that $AMD is expensive)!🤷♂️😂 Besides the lower forward PE, some of the other factors that $NVDA has going for it are its massive earnings power, based on massive growth outlook, revenue expansion and very high gross margins. Plus, huge corporate stock buybacks. $NVDA has recently announced an additional $150 billion buyback program, which is added to the previously announced buybacks of $80 billion. The total buyback program size currently sits at $235 billion. The buyback program runs through Jan 2028. This massive stock buyback program should be a significant tailwind for $NVDA. So, getting back to my initial question. Is $NVDA still currently undervalued? Is $NVDA over valued? Or is $NVDA fairly valued? What do you think? It will be interesting to see what happens with $NVDA over the next few months and next few years! I know that I will be very interested. Plus, I have a vested interest!🤔😂😂 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!
