Tag: financial literacy

·

I have been a buyer of UBER Technologies given its low p/e ratio and what I consider to be a pretty rosy outlook. The company continues to face never-ending challenges from its competitors to tie it up in legal battles. It’s difficult to come to any conclusions on how this will all end up.

I was in Tokyo in December 2024 and saw UBER vehicles everywhere as they are clearly visible with the UBER logo and paint job. It was quite an impressive show of how the company has permeated foreign markets. But it has a lot of competition everywhere.

“Uber is in Japan, but it’s not the dominant, UberX-style service; instead, it primarily partners with local, licensed taxi fleets, acting as a familiar taxi-hailing app, especially useful in major cities like Tokyo, Osaka, and Kyoto for airport transfers or areas with few cabs, though it’s often pricier and less ubiquitous than in other countries due to strict regulations and a strong existing taxi culture, with local apps like Taxi GO also popular. ”

The business model has evolved to blend into the local “culture”. I hope that is the key to success in other markets.

Having said that, UBER is a large corporation, and likely not that easy to manage. But with robo taxis on the horizon, UBER, in my opinion, is pretty well placed given its size and scale of operations. This is not investment advice, just my personal view of things.

·

Metals continue their upward march as silver and gold hit new all-time highs. The increase in silver prices is truly monumental in that it seems that speculation knows no bounds now. I always believed that higher prices would draw out more silver supply. But I guess that silver is being dragged up with the price of gold.

It’s hard to keep track of everything that’s going on. So much news, but the speculative fever of AI and anything related to it has definitely taken over the market. It’s back to basics, looking for good businesses that will win the day over the long term.

It’s hard to believe that markets can continue to shrug off every bit of bad news and continue their upward march.

It seems like being a billionaire is now a pretty common event with all the fortunes that are being built on paper through rising share prices or the never-ending supply of money for Silicon Valley startups.

“Funds continue to flow heavily into Silicon Valley startups, especially driven by AI innovation, with massive VC investments in 2024 (around $90B for the Bay Area) and significant corporate backing from tech giants like Microsoft and Nvidia, funding sectors from enterprise AI to deep tech, though the market remains competitive and selective, notes TechCrunch.”

·

I worked with financial institutions in Canada for over forty years. In retirement, I became a user of financial services rather than a provider of them. In that transition, I began to discover how personal financial planning has become so complex.

As a user of financial products, you need to be on your toes all the time. You need to be aware of the available services. You need to ask a lot of questions. And you most of all need to increase your financial literacy. Not in the sense that you make financial decisions like investments and retirement planning, but just the things that you need to do day to day. The mundane, ordinary, routine things.

The purpose of my blog (website) is to provide information on financial planning, not to be a financial planner. In the absence of having this information, you will complicate your life more than you know.

It’s not easy, but in the current financial services world, you need to be your own advocate. In my opinion, you cannot rely on anyone anymore to give you all the information you need about bank products and services and how you interact with the bank.

Here is just one sample of how Canadians feel, and this one is probably more polite when expressing Canadian’s frustrations: Amid financial stress, nearly half (46%) of Canadians are open to banking alternatives to manage their money.

My website will evolve; more to come on that. But for the time being, I hope you will find the topics discussed of interest as you go through the posts.