Investing Literacy

Myths, mistakes & frameworks

Debunkings and decision cards that compress judgment lessons into shareable posts.

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  HubHub

  Framework: Bull / Bear / Watch Decision Card

  A printable one-card framework for stock decisions: three bulls, three bears, dated watch items and an act / wait / pass box, with a simple scoring grid that turns your notes into a default action. Educational, not advice.

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  HubHub

  Framework: Source Hierarchy (Filings > Transcripts > Commentary)

  A one-card source hierarchy for stock research: audited filings first, then interim filings, news releases, call transcripts, analyst and data-vendor work, and commentary last — with rules for which source wins when they disagree. Educational, not advice.

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  HubHub

  Framework: Thesis → Catalyst → Kill Criteria

  A printable one-card framework for writing a stock thesis, dated catalysts, a time stop and two or three kill criteria before you buy — plus the five-step review loop that tells you when to hold, trim, exit or rewrite. Educational, not advice.

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  Spoke

  Mistake: Building a TFSA Like a Day-Trading Account

  Symptom, cost and fix for using a TFSA as a day-trading account: why frequent trading can turn tax-free gains into taxable business income, what a reassessment can mean, and lower-risk habits for stock pickers. Educational, not tax advice.

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  Spoke

  Mistake: Putting US Dividend Payers in a TFSA by Default

  Symptom, cost and fix for holding US dividend stocks in a TFSA: why the 15% US withholding tax is unrecoverable there, how much it costs on hypothetical numbers, and a simple placement order across RRSP, TFSA and taxable accounts. Educational, not tax advice.

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  Spoke

  Myth: High Dividend Yield Means Safe Income

  Myth-buster: why a high dividend yield often signals risk rather than safe income — the price-yield arithmetic, coverage, payout trends, debt and earnings direction — with a one-glance red-flag card for TSX dividend payers. Educational, not advice.

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  Spoke

  Myth: A Low P/E Always Means Cheap

  Myth-buster: why a low P/E ratio doesn't automatically mean a stock is cheap — peak-cycle earnings, one-offs, debt, shrinking businesses and dilution — plus a five-step check before you call a TSX stock a bargain. Educational, not advice.

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