This app has potential but all the features that make it exciting are locked behind a paywall. I’ll just stick with trackyourdividends dot com. Much more insightful!
Understanding the Timing of a LIRA to LIF Conversion: Why You Can’t Withdraw Right Away Many Canadians approaching retirement are surprised to learn that converting a Locked-In Retirement Account (LIRA) to a Life Income Fund (LIF) doesn’t always mean immediate access to their money. While a LIF is designed to provide retirement income, the timing of your conversion can have a significant impact on when you can actually begin making withdrawals. What Is a LIRA? A LIRA is a retirement savings account that holds funds transferred from a pension plan when you leave an employer. Unlike an RRSP, the money remains “locked in,” meaning it is intended to provide retirement income rather than be accessed at any time. When you’re eligible under your pension legislation—typically beginning at age 55, though this varies by jurisdiction—you can convert your LIRA into a LIF. So Why Can’t I Take Money Out Right Away? This is where many people are caught off guard. In several jurisdictions, if you convert your LIRA to a LIF late in the calendar year, you may not be able to make regular LIF withdrawals until the following year. That’s because the annual minimum and maximum withdrawal limits are calculated on a calendar-year basis. When a LIF is established, the financial institution must determine how much you’re allowed to withdraw for that calendar year. Depending on the governing pension legislation and the timing of the conversion, there may be little or no available withdrawal room remaining for that year. As a result, many retirees don’t receive their first LIF payment until January of the following year. For someone who was expecting immediate retirement income, this can create an unexpected cash flow gap. Planning Around the Calendar If you’re relying on your LIF to fund your retirement, timing matters. Before initiating a conversion, consider: * Whether you’ll need income immediately after the conversion. * If it makes sense to convert earlier in the year rather than waiting until the fall or winter. * Whether you have other savings available to bridge the gap until LIF withdrawals begin. * The specific rules that apply to your province’s pension legislation, as these vary across Canada. A little planning can help ensure your retirement income starts when you expect it to. Don’t Assume Every Province Has the Same Rules LIRA and LIF rules are governed by pension legislation, not tax law, so they differ depending on whether your pension falls under federal or provincial jurisdiction. Minimum ages, withdrawal limits, unlocking options, and timing rules can all vary. Before converting your LIRA, it’s worth reviewing the rules that apply to your specific plan and discussing the timing with your financial advisor or institution. Converting a LIRA to a LIF is an important milestone in retirement planning, but it’s not always as simple as flipping a switch and accessing your savings immediately. Understanding the calendar-year rules and planning your conversion accordingly can help you avoid unexpected delays in receiving retirement income and make your transition into retirement much smoother. This is why you must have a cash wedge for any unforeseen issues like this…plan ahead. I went late summer and by the time everything was flipped over, I was able to start withdrawing in the following calendar year.
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.
Okay hold on… Let me get this straight. $ZETA is partnered with OpenAI to power Athena. It is rebuilding its Data Cloud on Palantir Foundry, with management believing the partnership could eventually generate more than $100 million in annual revenue. It is also working alongside Snowflake to create a universal data standard for AI-powered marketing. Meanwhile, revenue grew 50% last quarter, management raised full-year guidance to roughly 37% growth, and the company has now delivered 19 consecutive beat-and-raise quarters. And despite all of that, $ZETA is trading at roughly: - 20x forward earnings - A 0.77 PEG ratio Am I missing something here? Because the disconnect between the company’s execution, future opportunity, and current valuation still looks massive.
Hey space stock holders!! Next week, on July 15 at 1 p.m. ET, I’m joining @maxstocks and Global X for an AMA live on YouTube! We’ll be discussing SpaceX ($SPCX), satellite communications, defense and space technology, public vs. private space companies, and the opportunities and risks investors should be watching. $ORBX$ORBX Ask us anything here: https://www.reddit.com/u/globalxca/s/9ptGGSVDVt
Earnings season is almost here, and I genuinely cannot wait. This is when we find out which companies are actually executing and which stocks are being carried by expectations. I’ll be breaking down the earnings reports from the companies I own and follow, including the important numbers, management commentary, guidance, and what each report means for the long-term thesis. Subscribe to my Substack so you don’t miss the earnings recaps: https://ashtoninvests.substack.com
$META has been a dubious enterprise, since inception. Created to creep on women, designed to addict you, used for political interference and actively promoting and supporting misinformation and scam artists. Marketplace is cool though. 😅 Let’s see how this plays out. I’m hoping for accountability. https://finance.yahoo.com/markets/stocks/articles/meta-meta-faces-1-4-141626500.html
This is just my dream of price hitting this targets not staying there but hitting do your own DD. $10/share — Baseline (Already Happened With Nothing) Why: Retail hype Rare earths narrative No SMC No RapidSX commercialization No feedstock No Japan With federal support This is the starting point, not a milestone. $15–$20/share — RapidSX Proven + SMC Fully Funded Jeffrey Reason: If the stock hit $10 with nothing, then proving RapidSX AND funding the SMC should easily justify $15–$20 minimum. Validation: RapidSX works at commercial scale Louisiana SMC construction fully financed EPC contract signed First commercial separation runs scheduled This is the “Ucore is real now” moment. $20–$30/share — Feedstock Secured (Victory → Sumitomo → Ucore) Jeffrey Reason: Feedstock was always the biggest “yeah but.” If Sumitomo funnels Victory Metals concentrate to Ucore, that’s a game changer. Validation: Long-term concentrate supply Heavy REE (Dy/Tb) commitments Non‑Chinese feedstock pipeline Sumitomo acting as aggregator This is the “Ucore has material to process” milestone. $30–$45/share — Japan Signs Long-Term Offtake Jeffrey Reason: Japan is the world’s #1 buyer of Dy/Tb. If they commit to buying Ucore’s separated oxides for 10–15 years, that’s massive. Validation: Sumitomo signs multi‑year offtake Japanese magnet makers onboard Ucore becomes part of Japan’s national strategy This is the “Ucore has customers locked in” milestone. $45–$60/share — U.S. Defense + DOE Funding Jeffrey Reason: If the U.S. government backs Ucore, the valuation jumps into a new category. Validation: DoD contracts DOE loan guarantees IRA tax credits National security designation This is the “Ucore becomes a protected U.S. asset” milestone. $60–$80/share — Multiple SMCs + Heavy REE Dominance Jeffrey Reason: One SMC is good. Two is strong. Three is global dominance. Validation: Louisiana SMC operating Alaska SMC announced Texas/Kentucky SMC funded Ucore becomes the largest non‑Chinese separator of Dy/Tb RapidSX becomes industry standard This is the “Ucore is a global midstream leader” milestone. $120/share — Sumitomo Takeover Scenario Japan says: “We want full control of the U.S.–Japan REE supply chain.” Validation: 20‑year Japan offtake Three SMCs $1B+ revenue $300M–$450M EBITDA U.S. federal protection Sumitomo wants the entire chain This is the “Japan buys Ucore” milestone. This is just me dreaming. If you want to dream with me then give me a like. Do your own DD and dream with me.
Celsius still seems to be one of the most misunderstood stocks in the market🧃 • 140% YoY revenue growth last quarter • 20.7% market share & rapidly growing • 17x forward P/E Celsius continues to get grow into the Pepsi distribution system along with the rapid growth of presenting a very appealing opportunity in the market in the coming years. In my DCF I have them growing FcF / share at 20% annually as they grow revenues (even if slow) and with margin expansion then trading at a 2.5% FcF yield (which is still higher then monster) That gives a 30.19% Annual growth going into 2031 and being $114 / share by Q1 2031 That would always guarantee to beat the general market with very realistic and possible expectations Are you a buyer of $CELH here?
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 🫣
Want a chance to win $100 with no entry fee required? Summit Capital has partnered up with GameStock App to give $100 to the person with the highest percentage return at the end of the week, starting tomorrow @ market open Use the link below & code "XIYWED" to join Hope to see you in there! https://gamestock.onelink.me/lWtY/464ri5w9
The AI boom is supercharging demand for DRAM (the high-speed memory chips essential for everything from data centers to your devices), but the supply side remains incredibly concentrated. 🟢 Samsung (~39% share) leads the pack 🟢 $SKHY (~29%) 🟢 $MU (~23%) Together, these three control ~90% of the global DRAM market. 𝗪𝗵𝘆 𝘁𝗵𝗶𝘀 𝗺𝗮𝘁𝘁𝗲𝗿𝘀 𝗳𝗼𝗿 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀: ✅DRAM is cyclical by nature, but AI-driven demand (HBM, servers, etc.) is creating a structural tailwind. ✅Pricing power stays with the Big Three due to high barriers to entry (huge capex, tech complexity). ✅Smaller players like China’s CXMT are trying to catch up but still lag significantly. The AI memory boom is reshaping profits far more than the competitive hierarchy, at least for now.
NDX: Price action is narrowing, anticipating a big move is coming. Don't fight the bullish move, but beware the gap below, -1.8% from the latest closing price. Bulls want a gap fill for good, the next hurdle is 30,180. $QQQ$XLK$SMH
The original S&P 500 launched in 1957 with 500 companies. 90% of them are gone — bankrupt, bought out, or faded into irrelevance. The index went up roughly 170x anyway. You're not betting on companies surviving. You're betting on the machine that replaces the ones that don't. Watch here to see who survived: https://www.instagram.com/reel/DaiSABMPFMq
Trading Today started as 30 pages of the timeless rules that survived every market. Today, it expands to 36 with the exact visual framework readers kept asking for: the skill of reading a chart for real. These new chapters get straight to the point, showing you exactly how I analyze price action: The anatomy of a candle: What the price is actually telling you. The 3 candles that matter: I trade three, not forty. Forget memorizing useless patterns. Context is king: Why the exact same candle is a trap at one level and a goldmine at another. From candle to setup: The precise matrix connecting the candle to the trigger. Reading the weekly and daily charts: How to map the macro trend and execute with precision. Every diagram was drawn exclusively for this guide, explained in plain English. If you followed my $MU story these past five weeks, you watched this exact framework play out in public. The level I waited for, the reaction candle I demanded, and the trigger that fired. None of it was improvised. It is all right here, backed by 8 years of execution. The price stays at $29 for now, and the screenshots show real pages. The link is on my profile 🐝 To everyone who already purchased the guide: the expanded edition is completely free and on its way to your inbox. Thank you for gifting yourselves this knowledge. Trading is not about predicting the future; it is about building the discipline to cut through the noise and finding your edge in the power of the rules. I am incredibly grateful to walk this path with you. See you on the next trade 🌸
