For years the plan was simple. Save. Invest. Repeat. Say no a lot. 😅 Then one day you're retired and nobody hands you the manual for the next part. Because pulling money OUT is a whole different game than putting it in. And honestly, nobody talks about it nearly as much. 🤔 Here's what I'd like to discuss with you: ▪️ Which account do you spend from first? ▪️ Do you drain the RRSP early to keep the tax bill smooth, or let it grow and deal with it later? ▪️ Do you protect the TFSA like it's gold and touch it last? ▪️ Where does the non-registered account fit in? ▪️ When do you start CPP and OAS, and does that change the order of everything else? Every answer seems to come with a "well, it depends." 🙄 Tax brackets, OAS clawback, RRIF minimums, your spouse's income. It all pulls in different directions. I have my own thoughts on this (you know me, boring and steady), but I want to hear yours first. 👇 Tell me: 1️⃣ Are you retired, or close? What does your withdrawal order look like? 2️⃣ What worked? What would you do differently? 3️⃣ Anything that caught you off guard once the paycheques stopped? The real stories are always better than the theory. Let's help each other figure this out. 💛 Not financial advice. DYOR. Everyone's tax situation is different.read more
📊 Long-Term Investing: The Power of Thorough Analysis When it comes to long-term investing, understanding the fundamentals of a stock is crucial. It’s not just about jumping on trends; it’s about making informed decisions based on solid data. This chart breaks down the essential financial statements—Balance Sheet, Income Statement, and Cash Flow Statement—that every investor should analyze before committing to a stock. 🔍 Balance Sheet: This tells you about the company’s financial health, specifically its assets, liabilities, and equity. A healthy balance sheet is a sign of stability and resilience. 💸 Income Statement: This shows the company’s profitability by detailing revenue, expenses, and profits. A strong income statement indicates a company that’s generating profits, a key factor for long-term growth. 💰 Cash Flow Statement: This reveals how the company manages its cash, from operations to investments and financing. Positive cash flow is essential for sustaining operations and fueling future growth. By mastering these fundamentals, you can make smarter investment choices that stand the test of time. Remember, successful long-term investing isn’t about timing the market; it’s about time in the market, supported by thorough analysis. $VGT$TXN$QQQ$AAPL$META #InvestSmart #LongTermInvesting #FinancialLiteracy #StockMarketAnalysisread more
Corus Entertainment $CJR-B is yet another example of why buy and hold doesn't always work out. There was a time where Corus Entertainment, home of Global News, was one of Canada’s powerhouse media conglomerates. But after years of people choosing streaming over traditional TV and a heavy debt load this company is a shadow of what it once was. If you look back at their history for nearly 20 years they pushed dividends to the shareholders but it was also this dividend that flashed warning signs. In 2017 the dividend yield was around 8% by the end of 2018 it had ballooned to over 30% as the share price collapsed. They started cutting the dividend and by Oct 2023 they had fully suspended the it. Now the stock is hovering $0.03 and they are restructuring the debt creating a new company and calling it NewCo. In an attempt to fix their failing business ( my opinion) they turn to the capital markets. They will take roughly $500 million of their 750 million in senior unsecured notes and convert that into equity. The creditors that accepts this deal will get 99% of the new company the existing shareholders will be hit with a massive dilution event as they will effectively own just 1% of the new company. Current shareholders will receive 1 share of NewCo for every 500 Corus shares they currently own after the reverse split. A crushing blow to anyone that held on to this company and yet another in an endless line of examples of why you can never assume a company will continue to pay dividends, or that it will retain its long term value. When we look at publicly traded companies that have been around for decades, it can give us a bit of survivorship bias. Looking at a study that examined thousands of companies, the research found that the historical half-life of a publicly traded company across sectors was about 10 years. Food for thought on a Friday. https://royalsocietypublishing.org/rsif/article/12/106/20150120/35571/The-mortality-of-companiesThe-mortality-ofread more
Trump is set to make an announcement at 2PM ET tomorrow.. It could be about anything, I mean it follows Trump’s private dinner tonight with Anthropic CEO Dario Amodei, or something with Xi from their meetings last week. He also said he will end the Iran conflict "very soon" Any predictions haha?!
$CELH is starting to get interesting again. The stock is now trading at just 2.3x sales, near the lowest valuation it has seen in years. This is a company that spent much of 2021 to 2024 trading anywhere from roughly 5x to 15x+ sales.
$NKE earnings Nike reported fiscal Q1 revenue of $11.21B, down 4% year over year, and EPS of $0.48 versus $0.49 a year ago. Gross margin improved to 42.8%, but Greater China sales fell 22%. Yet there is still people telling you it’s undervalued. Don’t buy the falling knife
🥳 Back in July, I promised our US community that we'd be opening up an opportunity for you to invest in Blossom in the coming months, and exciting news: we're on track to go live in the next few days! ✅ This round will be open to US accredited investors via a Reg D offering. You qualify as accredited if you have a net worth of over $1M or have an income of >$200K in the past 2 years. 🙋 If you're interested in investing, make sure you join the waitlist (https://forms.gle/UavDoLXwx71nfvue8), as I'll be sending out the link to the waitlist first (since there is limited allocation). If we have space, we may open up a bit of allocation to Canadian accredited investors as well, so feel free to join the waitlist as well if you're interested. 🥲 Unfortunately, raising from US non-accredited investors was too complex and costly for this time around, but we'll be revisiting this next year if we raise again. ✨ A few investment highlights: - ✨ Our total members have ~8x'ed in the past 2 years from ~100,000 to over 850,000 - 💰 Our annualized revenue has ~doubled in the past year from $2.4M in Q2 2025 to $4.7M USD in Q2 2026 - 🤝 Partnerships with some of the largest brands in finance, including Nasdaq, the New York Stock Exchange, Fidelity, State Street, Global X, WisdomTree, and many more. - 💰 Blossom's revenue covers all operating costs except marketing, so the purpose of this additional raise is growth capital. 🫡 Full investment details will be sent via email! 👏 P.S. Huge thanks to our now 2,000 shareholders in the community! Big things in store for Q4 and 2027 🚀read more
Sitting near the bottom, I believe, and poised to break upward soon, I sold two puts @ $7.5 and two covered calls @ $10 using the credit to buy two $9 calls. As long as $ALOY doesn’t drift below $7.50, it will be a minimum of a $23 profit. Worst case, I end up with 200 extra shares for the next jump up and have to go longer for the big jump. 😅
In my 20s, I spent 5 years pumped full of prednisone and methotrexate to fight off a rare disease, falling over $40,000 in debt, and even had to get a total hip replacement due to the prednisone destroying the bone in my left hip. Today, I am completely financially free, in the best shape of my life, and I get to spend every day with Soniya, who never left my side, and our three kids. If you are going through a dark time right now, please remember that it gets better. The suffering eventually ends. You just need to outlast it, and then slowly build yourself up. If I could overcome massive debt and a body trying to kill me, you can achieve your dreams too. Let's keep working towards the lives we deserve! I talk more about my experience in this video: https://youtu.be/PiifoiBYd04?si=pKPeVeTXJzmu7sS8
Just came back from a day hike in Kananaskis County, Alberta.. beautiful views. Here’s a couple headlines throughout the day: - Trump says the US government might take ownership stakes in OpenAI, Anthropic and other AI companies. - $MU went from -4% —> +3% by close, what is deserved of course. - $FICO was up +12% today, -7% at close.. insane volatility. - $ON and $SYNA amended their merger to a $5.7B all cash deal at $123 per share read 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
BTC Scenario: $84,404.56 → $92,845.02 USD (+10%) Under this hypothetical scenario: 🥇 MSTE: $2.85 → $3.40 (+19.2%) 🥈 MSTY: $3.18 → $3.66 (+15.1%) 🥉 CNYE: $4.93 → $5.65 (+14.6%) What catches my attention is the potential amplification: a 10% BTC move translates into a modeled +19.2% move for MSTE, while MSTY and CNYE also show stronger percentage moves than Bitcoin. I personally hold MSTE and MSTY, so I’ll be watching this scenario closely. 👀read more
Rarely do I see growth investors focused on portfolio valuation metrics, such as Price to Earnings and Price to Sales. Afterall, those are often thought to be more important in value investing. However, achieving the best growth for the lowest metrics is absolutely critical long term and deserves much more attention. Sky High Price to Sales Companies: $SPCX: 64.5 $SNOW: 20 $PLTR: 56.5 $DJT: 400 *Calculated using current share price divided by (latest quarters revenue multiplied by 4) I try to stay away from companies like SpaceX, Snowflake, Palantir, and DJT. I love innovation and what these companies are accomplishing, but I also recognize there is an enormous amount of data to suggest investing in a large number of companies like that leads to poor performance over time. Today, there is exceptional value in my opinion to be found in Memory, Compute, Software and more, including names like MU CRM NVDA AMD SNDK SKHY ADBE GOOGL Valuation metrics matter. https://youtu.be/hzq4KABZ0K4?si=wS7Po08rJpbIHbUsread more
Today’s Buy: $WMT: 7 shares - $103.90 Stacking at this bottom area for walmart to long already have 12 shares $CBRS: 4 shares - $167 Just like mrvl last month i got 23 shares now to swing Todays Sell: $AAOI: 10 shares - $115.36 Profit: $192.84 (20.07%) $COHR: 4 shares - $338.10 Profit: $192.80 (16.63%) Today’s Profit: $385.64 (18.18%) Monthly Profit: $2,624.84 (28.80%) read more
On top of Blooms, we also just rolled out a massive overhaul to the Blossom feed algorithm. Me and @kartik (Blossom’s CTO) went live this morning to talk about it - here’s the link to the recap!!! 🥳 In the video we covered: - what was wrong with the old feed - what’s new and why this is a massive improvement - how to tune and customize your feed - how to stand out as a creator - Q&A https://www.youtube.com/live/I1MvkrhwDQI?si=VnaB8e4jcRg01J3Zread more
You could be … and not even realize it. After nearly 22 years as a DIY investor (I am OLD), I’ve noticed we spend WAY too much time worrying about things we CAN’T control. Which stock will outperform ($NVDA) . Which sector will take off next ($XLE) . What the market is going to do tomorrow ($VFV/$VOO ). What our return will be…. Meanwhile, we sometimes overlook the things we actually CAN control. And some of these mistakes can get REALLY expensive over time. Expensive enough that they cost you your retirement timeline! I see them constantly on Blossom and Youtube. One of them in particular makes me want to SCREAAAM “NOOOOO… THAT’S NOT HOW THIS WORKS!!!!!!” So I put together a video breaking down 5 common investing mistakes that could be quietly hurting your returns …… and what you CAN actually do about each one of them. Eliminating one of them could increase your returns by 71% over 30 years 😏 After all, investing isn't about making the perfect decision every time. Usually, it's just about making FEWER bad ones. https://youtu.be/gl4EWVamBUgread more
Next week, I will be publishing my very first written report on $ZETA *For context, I have been buying $ZETA since June '25 and it currently represents 17% of my portfolio with an average cost basis of $16.56* Here's a preview of what I will be diving into👇 - Why I bought before the profitability flip & how my thesis has evolved - The data moat nobody can replicate - What the Palantir/OpenAI deals actually unlock - My 2026–2030 model + price targets You're not going to want to miss this one, so make sure you drop a follow and stick around if you're a $ZETA bull (or bear😉)read more
Since so many people ask how to invest in this sector, or this country, or this asset, I’ve decided to make a comprehensive guide on how you can invest in specific areas. This is NOT portfolio advice, simply information about tickers that you can research yourself. Save this for later so you have a list of ETFs to come back to! Canada: $XIU$XIC$ZCN All expose you to the TSX in Canada. These ETFs consist of all top Canadian companies and access to our national stock exchange. $VCB$VGV$VLB$VAB$VSB$VSC$XBB$XCB Expose you to Canadian bonds; whether it be long-term, short-term, corporate, government, etc. $VDY$XEI$CDZ Expose you to Canadian dividend companies $XRE$ZRE$VRE Give access to Canadian REITs $ZEB$XFN$RBNK Lets you buy the Canadian banks USA: $VFV$ZSP$XSP$XUS$HXS Lets you buy the S&P 500 (learn about hedged vs. unhedged in my other post) $XQQ$HXQ$ZQQ All give you access to the NASDAQ 100 $IWR$VO$VOE$VOT$IJH$SCHM Lets you buy US Midcaps $IJR$IWM$VB$VBR$VBK$SCHA Lets you buy US Smallcaps $DIV$SPYD$RDIV$DHS$VIG$SCHD$VYM$DGRO$SDY Give access from small to high dividend US companies $VTI$ITOT Lets you buy the whole US market $TLT$IEF$VGIT$GOVT$SHY$VGLT Give access to US bonds $XLC$XLY$XLP$XLE$XLF$XLV$XLI$XLB$XLRE$XLK$XLU All give you access to each sector in the S&P such as financials, energy, healthcare, etc. International: $XEQT$FEQT$VEQT$ZEQT Give you an all-in-one exposure to Canada, US, emerging and global markets. $VEA$IEFA$SCHF$SPDW$EFV$EFA Give access to general international exposure $EWJ$EWU$EWC Gives direct access to developed international countries $INDA$MCHI$EWT$EWY$EWZ$EWW$EIDO$EWM Gives direct access to emerging international countries Assets: $KILO$PHYS$CGL Let’s you buy gold directly through ETFs $SVR$HUZ Let you buy silver through ETFs Savings/Interest: $CASH$HISA$PSA$HSAV Access to Canadian savings and interest payments $HSUV-U $PSU-U $HISU-U Access to US savings and interest payments There’s so many ETFs I didn’t go into with dozens of categories, but this should give you some basic starting point to look into your ETF investments. This is simply the starting point, when choosing your investments always research the ETFs, what they provide to you, their fees, your goals, your risk, and what you’re looking to get out of investing. As always do your research and happy investing! Subscribe to the newsletter: relatablefinance.substack.com read more
@beskar_capital is the real deal. @beskarcapital is imposter #1 @beskar_capitar is imposter #2 @beskal_capitals is imposter #3 @beskals_capitar is imposter #4 and @beskar is probably imposter #5 😂 What can I say? 😂 This is the Way! 🏄♀️ 🌊 🏄♂️ 🌊 read more
