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Dive into a collection of past posts and rediscover timeless content.
Portfolio Update - July 2026
Eric T
LockSimple

Aug 24, 2026

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1 min read

Portfolio Update - July 2026

The updates are live. July was just steady.

Big Five Traits: How Your Personality Shapes Your Portfolio
Eric T

Aug 17, 2026

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10 min read

Big Five Traits: How Your Personality Shapes Your Portfolio

The Big Five personality traits predict specific investing mistakes. Take the test, then see what your portfolio already reveals about your behavior.

AI and Software Moats: Why Pricing Models Are Breaking
Eric T

Aug 10, 2026

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9 min read

AI and Software Moats: Why Pricing Models Are Breaking

AI is breaking the seat-license model. Here's the investing framework for telling a real moat from customer friction before you buy the stock.

Emergency Fund as Insurance: Why Cash Isn't the Only Option
Eric T

Aug 3, 2026

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10 min read

Emergency Fund as Insurance: Why Cash Isn't the Only Option

An emergency fund is a self-funded insurance policy, not a cash-only rule. Here's how to size it with probability and risk instead of a generic formula.

AI Investing Framework: Six Layers, Where Value Accumulates
Eric T

Jul 27, 2026

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10 min read

AI Investing Framework: Six Layers, Where Value Accumulates

Layer-by-layer AI investing guide: chips, cloud, models, and existing businesses. Why Canadian ETF investors may already have more AI exposure than they think.

Dual-Listed Stocks Canada: TSX/NYSE Journaling Explained
Eric T

Jul 20, 2026

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7 min read

Dual-Listed Stocks Canada: TSX/NYSE Journaling Explained

How dual-listed stocks let Canadian investors journal shares between TSX and NYSE, collect dividends in U.S. dollars, and cut unnecessary conversion costs.

Portfolio Update - June 2026
Eric T
LockSimple

Jul 15, 2026

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1 min read

Portfolio Update - June 2026

The updates are live. May was about getting setup to pay the mortgage, that's cash management.

S&P 500 vs Nasdaq-100 Holdings Overlap: 86 of 100 Repeat
Eric T

Jul 13, 2026

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12 min read

S&P 500 vs Nasdaq-100 Holdings Overlap: 86 of 100 Repeat

Compare S&P 500 and Nasdaq-100 holdings to see the real overlap, what QQQ adds beyond SPY, and whether combining both actually diversifies your portfolio.

Why I Don't Own REITs: The Compounding Math Canadians Miss
Eric T

Jul 6, 2026

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4 min read

Why I Don't Own REITs: The Compounding Math Canadians Miss

REITs offer yield but trade away compounding. Here is why I have no REITs and what replaced them in my portfolio. The yield math wasn't working as you would assume.

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