$NVDA is a $300 stock trading at $195 $META is a $800 stock trading at $582 $ZETA is a $40 stock trading at $20 $SOFI is a $35 stock trading at $18 $SPCX is a $50 stock trading at $160 $CELH is a $50 stock trading at $33 Am I wrong??👇
There's a 100% Chance of Death and Taxes in your lifetime... There's also a 100% Chance you see: 1) Micron $MU hit $2,000 2) $DRAM hit $200 3) $VOO hit $1,000 4) $QQQM hit $500 5) NVIDIA $NVDA hit $400 In your lifetime...
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
In the endless anecdotes of Canadian real estate, we are conditioned to follow a very specific, predictable script. Rent a sketchy apartment in your twenties, stretch your finances to the absolute breaking point to buy a starter home, and then spend the rest of your life aggressively upgrading until you land in your "forever" home, which obviously include marble countertops! I know this script by heart because I spent two decades living it and eventually rewriting it. Since 2008, I have been a renter, a first-time homebuyer, a divorcé executing a forced sale, a small-town transplant, an accidental landlord, and a multi-property investor. I have owned property in Toronto, London, St. Thomas, and Port Stanley, Ontario. I’ve ridden the waves of rock-bottom interest rates and sweated through the historic post-pandemic hiking cycles. Looking back on a twenty-year journey, the lessons I’ve learned run completely counter to the conventional wisdom peddled by arm chair real estate quarterbacks and experts alike. Here is exactly what two decades in the trenches actually teaches you about housing. My journey started in Toronto 2008. I was a graduate student moving out of my parents' place, renting a tiny, damp basement apartment in the city. My total rent, including utilities, was a staggering $650 a month. For the next six years, my lifestyle was defined by steady frugality. My partner and I lived in modest, unglamorous walk-ups with noisy window AC units. These were nothing fancy, basically just the best accommodations we could find at the cheapest price point. We didn't know anything about index funds or the stock market, so we did what most twenty-something Canadians do: we hoarded cash in a basic savings account, determined to buy a piece of the city. By 2016, we made our move, purchasing a modest bungalow in Toronto’s east end for $500,000. We scraped together a 20% down payment, aided by a generous leg-up from my partner’s parents, which allowed us to avoid mortgage insurance. Instead of burning extra cash on aesthetic overhauls, we funneled our remaining money into unsexy but vital upgrades: a new roof, new siding, exterior paint, and basic landscaping. Two years later, real estate reality collided with personal reality. My partner and I separated, got divorced, and sold the house for $750,000. I took my share of the proceeds and plunged right back into the rental market. It was 2018, and I landed a modest one-bedroom apartment close to my work on Bay Street for $1,650 a month (plus utilities). About six months into that downtown rental life, I was hired by the London Police Service. I packed my bags for my hometown, two hours west of Toronto, and walked straight into a housing market that was just beginning to heat up. For a staggeringly low price of $275,000, I bought a fully updated, two-story, three-bedroom old Victorian home with a nice backyard, located just a two-minute drive from work. Fast forward to 2020. As we all remember, the global pandemic hit. Everyone lost their minds and froze in place, doom scrolling and watching the CNN death count on their televisions. Nobody in those early days was looking at real estate. They were terrified to even venture outside their house, God forbid go into somebody else's house. In May of 2020, with my wife working fully remote, we bought what was our "dream" house in Port Stanley, Ontario, close to the beach, for $650,000. Financially, we were able to finance the down payment entirely from savings, allowing us to keep the London home as a rental property, which was our very first one. By late summer, we moved to this half-acre property in a rural township and became landlords for the first time, finding a lovely family to rent our home to, who are still tenants to this day with zero issues. A year later, the country's collective fog lifted. People woke up to the fact that real estate suddenly was an amazing investment because we were spending a shit tonne of time at home, and the housing market went insane. I was on the lookout for an additional rental property, given that my first rental had appreciated considerably. In late 2021, I conducted a cash-out refinance on my first rental property to fully finance a down payment and renovation cost of a second rental, which I purchased for under asking in St. Thomas, Ontario for $375,000. After a few months of renovation, I rented this house out for $2,300 a month. After generous COVID subsidies to individuals and businesses, inflation skyrocketed, and mortgage interest costs went right along with it. As is standard with many investors, my properties were on a floating-rate variable mortgage, since mortgage interest is fully deductible. Over time, variable mortgages generally outperform fixed mortgages 80 to 90% of the time, but this was clearly not the case here. Even with the historical hiking cycle, collectively my two rentals were still cash flow positive, just barely. As inflation proved cyclical, mortgage rates and interest rates came down, and cash flow from my rentals accelerated. In 2025, after five years of commuting 40 minutes back and forth to work, and after the birth of my first daughter and in preparation for a second child, my wife and I decided to sell our "dream home" and move back to the city. This went against all of the popular depictions of housing, which say that you must constantly upgrade over time. The prevailing theory is that once you become comfortable with a certain standard of living, you can't possibly downgrade until much, much later in life because of hedonic adaptation, or whatever that bullshit is all about. We sold the Port Stanley home for $200,000 more than we paid for it and moved into a neighbourhood I grew up in, buying a modest three-bedroom, two-bathroom home for just over $620,000. The proceeds of the sale went entirely into our registered retirement accounts. Through this long backstory of renting a basement apartment, a dilapidated apartment, a nice modern apartment, and owning homes in a major city, a mid-sized city, a small city, and a rural township, I have learned three undeniable truths about Canadian housing. Lesson 1: Renting is Cheaper Than Owning (But Only in the Major Leagues) There is a glaring geographic asterisk to the argument that "renting is a waste of money". In Canada's largest, most populated urban centers like Toronto, renting is almost always the obvious cheaper option. However, that gap starts to shrink as you move from large cities to mid-market cities, and it disappears completely in many small cities and townships where rental accommodations are scarce, meaning owning can actually be the cheaper option. But there is a massive psychological trap to renting when you live in the bigger cities. When you are a 20-year-old renter, it is incredibly difficult to save and invest when the city provides endless opportunities for entertainment, food, drink, cultural, and sporting events. As a young person who feels like they are being completely priced out of the housing market, it is easy to just spend the difference in housing costs on additional experiences, telling yourself, "I may not own a house, but I am living my best life." This phenomenon is true in many aspects of life across different socioeconomic statuses because our life is ultimately run by layers of hierarchies. If we feel like we are falling behind in one area, we will overcompensate in another. It's a tale as old as time. - The rich compete on what their yachts and vacation homes look like. - The upper middle class will compete on how big and nice their home may be. - Those folks who can't afford to own a home will then compete on how nice their car is. If you choose to rent in a major city to reap the economic benefits, you have to possess the rare discipline to actually invest the difference, rather than blowing it on status compensation. Lesson 2: Frame the Purchase Like an Investor and Build a "Buy Box" This lesson usually divides people, and I have heard many smart people repeat the platitude, "I don't think about my house as an investment." But is this psychological trick actually helpful? When people say this, they are usually speaking to how they view their home as a place to live, raise a family, and create memories. If you carry this kind of intense emotional priming into a buying decision, is it any wonder why people constantly overspend on housing? After all, if your house isn’t an investment, who can possibly put a price tag on happiness and memories? But what if you viewed buying a primary residence exactly like an investor buying an investment property? As an investor, I use something called a buy box, which details the core characteristics that work for me in purchasing a property. I personally like buying detached homes, typically two-storeys with at least 3 bedrooms, that require cosmetic upgrades like paint and new flooring. This is just enough work to scare off most emotional homebuyers, but it offers cheap renovations that create a great ROI. These homes attract a tenant profile I enjoy working with, and they will appeal to a large group of emotional homebuyers when I eventually sell. For whatever reason, folks will pay a premium for the same square footage spread out over two levels. I guess they just like hearing their kids stomp around on top of them. Lesson 3: The "1% Maintenance Rule" is Crap For homeowners, home maintenance is perhaps the least understood aspect of the entire game. Many people will argue that you should estimate annual maintenance costs as 1 to 2% of the value of your home. Just on the face of it, this claim makes absolutely no sense. If your home value goes up 15% to 20% in a single year, the inflation on fixing a pipe or replacing shingles in that house does not automatically jump by 15% to 20% the same year. Yes, the cost will go up but they are not directly proportionate. If you purchase a new build or a home that is still under a builder's warranty, your effective maintenance cost for any repairs is virtually zero. What about if you bought a house that was recently renovated with quality upgrades? When we talk about maintaining a home, there's a clear divide between required capital upgrades and aesthetic upgrades. Capital upgrades are the things required to maintain the structural integrity of the property over time, like a new roof, new windows, HVAC, furnace, air conditioning, and major appliances. The other half of home maintenance is aesthetic upgrades, like putting in nicer floors, marble countertops, nicer cabinets, and designer light fixtures. These types of cosmetic upgrades are becoming a disproportionate part of the total maintenance cost of a house. In all of the houses that I have owned, I have never approached even a 1% maintenance number based on my home value because I focus strictly on capital upgrades, not cosmetics. So what does this actually mean for the average Canadian? It means that renters typically have an economic advantage in larger cities, but they must exercise immense discipline to invest all of their extra disposable income and avoid lifestyle creep in areas like food, travel, and entertainment. We know from the data that this is simply not the case for the majority of renters. The behavioural advantage of forced savings through a monthly mortgage is a incredibly tough hill to beat. That said, homeowner can squander any financial advantage if they continue to view housing with so much intense emotion. Remember, it is a place to live, raise a family, and create memories, all of which can be achieved in a modestly sized home completely absent of marble countertops. Buying a house with an investor’s mindset will stop you from buying too much house and over-renovating. In closing, I plan to enjoy my 90s bathroom title and beige vinyl flooring for a few more decades, or at least until my girls are done breaking stuff!
😎 Quick PSA that we have <$400k in allocation room left for accredited investors to invest in Blossom! To be accredited, you need either >$200k in annual income or over $1M in net worth. If that’s you, here’s the link if you want to invest - https://www.frontfundr.com/blossomsocial2026 🚀 We’ve already had $1.1m invested from accredited investors alongside the $1.5m invested from non accredited that filled in 2 hours 🤯 🤗 Huge warm welcome to all our new shareholders and shoutout to all our existing shareholders who increased their position. I noticed a few shareholders who invested all the way back in 2022 (before Blossom even launched) reinvested in the round which was pretty cool to see 🔥 🎁 Will get all the perks sorted this week, make sure you’ve filled out the form with the same email as your Frontfundr email! 🇺🇸 For US folks stay tuned as we’re working with some US platforms to do a similar opportunity for you all to also invest!
Nobody talks enough about how mentally exhausting this game can be. Making decisions under uncertainty every day wears on you. That’s why routines matter. A good process protects more than your account. It protects your mind. For me, I just take multiple mental vacations.
Pretty cool update yesterday - we now have the full in-app experience live for Toronto BlossomCon! Make sure you update and you’ll see the option in your profile menu tab. You can see which of your friends are attending and even leave questions for the panels 😎 We’ll pull a few of the top questions for each of the panels on the day on top of the moderated questions! Coming soon for Vancouver/NYC as well. 🇺🇸 Also this deserves it’s own post, but folks in US can now buy/sell directly on Blossom through our partnership with Public 🤯 Note Gold/Silver/Cash unfortunately got delayed until July 20 but pumped for that one too! 🥲
Buying $AMZN under $250 might be one of the best risk/reward opportunities in the entire market. I still believe Amazon can be an easy 2–3x over the long term.
Dividends can take away a lot of fears from life. 💡 Fear of having to work until the day you die (my greatest fear). Fear of not having enough money to pay bills. Fear of not enjoying life. Fear of not seeing the world. Fear of not doing what really matters. The list goes on. I aspire to live a “no fear” life as my dividend portfolio scales. 📈 (Disc: Not investment advice.)
I'm always interested in seeing what everyone owns for dividend growth. Are you in $SCHD, $VIG, $DGRO, or something else? My personal favorite is $VIG. Here's why: 📈 Focuses on companies with a long history of consistently increasing their dividends, not just paying the highest yields. 🏆 Holds high-quality businesses with strong balance sheets and durable earnings. 🚀 Offers a great balance of dividend growth and capital appreciation, so I don't feel like I'm sacrificing long-term returns for income. ⏳ Perfect for a long investment horizon where growing dividends can compound year after year. I'd rather own companies that can steadily grow their dividends than chase the highest yield. What's your favorite dividend ETF, and why? 👇
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.
I have been trying to get to a $10,000 cost basis for the longest time since I started investing, and I just hit that milestone literally 1 minute ago when I lowered my cost basis on $REMX. I have faced a lot of setbacks that have held me back, one of which being a huge tax bill I got hit with last year. It feels good to finally hit this milestone. I plan to keep stacking, but I feel assured knowing that I finally have $10,000 working for me in the market.
ETFS such as $DRAM and $SMH and single stocks such as $SNDK$MU$LRCX have been on a downturn the past two days 🚨📉 Is this a good chance to buy? Or a larger downturn for AI 😳👇 Let me know what your doing below 👇💰🚀
Many traders look at a green day and buy whatever is moving fast out of pure emotion. That is exactly how you get caught at the top of a correction. I do not guess where the money is going. I run my quantitative scanning system, which I call the Ferrari. It is built strictly as a risk management tool to isolate real institutional accumulation and eliminate human bias. This week, while the crowd was busy trying to catch the bottom on former tech leaders, my scanner executed an unyielding filter. It sent names like $NVDA , $MSFT , and $MU straight to the automatic skip list. The algorithms do not lie: their relative strength scores collapsed to near zero, and their 20-day performance confirmed severe structural weakness. It is not the time to guess reversals. Instead, the Ferrari ordered the watchlist based on pure mathematical edge. It ranked $LRCX as the number one top setup with a 73.0 final score, backed by a real 23.6% volume expansion and a flawless relative strength profile. In healthcare, it flagged a brutal mathematical asymmetry in $UNH , isolating an exceptional 4.23 reward-to-risk ratio with a highly precise technical invalidation level. Whether you use an algorithmic scanner like mine or a strict checklist on a piece of paper, you need unshakeable rules. Trading is not about excitement; it is about executing the math only when it is in your favor and always reading the chart before any entry. Let the crowd chase the noise. Not investment advice 🐝"
Are we going to see a nice 10% dip on $XEQT this year my father in-law got cash to put to work! My boy Tom Lee said $SPY to hit $780 then drop back down to $700
