January 29, 2024 5:35 AM
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notifications@e-news.wealthsimple.com
🥊 Mac v. PC – Round 2
The email discusses various topics including the potential of face TVs or artificial intelligence, market trends, updates on companies like Apple, Tesla, and Microsoft, and investment advice.
Will face TVs or artificial intelligence carry the day?
January 29, 2024 5:35 AM
-
notifications@e-news.wealthsimple.com
🥊 Mac v. PC – Round 2
The email discusses various topics including the potential of face TVs or artificial intelligence, market trends, updates on companies like Apple, Tesla, and Microsoft, and investment advice.
Will face TVs or artificial intelligence carry the day?
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</style></head><body class="body darkmode-bg" width="100%" style="margin:0; padding:0!important; background-color:#F8F8F8"><div style="color:transparent; visibility:hidden; opacity:0; font-size:0px; border:0; max-height:1px; width:1px; margin:0px; padding:0px; border-width:0px!important; display:none!important; line-height:0px!important"><img border="0" width="1" height="1" src="https://clicks.wealthsimple.com/q/9O83QulRfcoZKYX9pe-2tw~~/AAQRxQA~/RgRnmiChPVcDc3BjQgplsaGbt2URWWtOUhVlbXVsaXN0MDFAb3V0bG9vay5jb21YBAAAAgM~" alt=""></div><div style="display:none!important; visibility:hidden; font-size:1px; color:#ffffff; line-height:1px; max-height:0px; max-width:0px; opacity:0; overflow:hidden">Will face TVs or artificial intelligence carry the day?</div><center class="darkmode-bg" style="width:100%; background-color:#F8F8F8"><div style="display:none; font-size:1px; line-height:1px; max-height:0; max-width:0; opacity:0; overflow:hidden; font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400"> </div><table cellspacing="0" cellpadding="0" border="0" align="center" width="100%" role="presentation" lang="en" class="darkmode-bg" style="background-color:#F8F8F8"><tbody><tr><td valign="top" align="center"><table cellspacing="0" cellpadding="0" border="0" align="center" width="600" class="email-container-outer width-100" role="presentation"><tbody><tr><td valign="top" align="center"><table border="0" cellspacing="0" cellpadding="0" class="email-container-inner" width="100%" role="presentation" style="width:100%"><tbody><tr><td valign="top" align="center" class="date-bar" style="padding:30px 0 26px"><table width="90%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:14px; line-height:110%; color:#32302F; text-align:left">January 29, 2024</td><td align="right" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:14px; line-height:110%; color:#32302F; text-align:right"><a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">Sign Up</a> | <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">View online</a> </td></tr></tbody></table></td></tr><tr><td valign="top" align="center" class="header" style="padding:0"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" class="logo-tldr" style="padding:0"><a href="#" target="_blank"><img width="600" border="0" class="responsive light-img" src="https://braze-images.com/appboy/communication/assets/image_assets/images/654e9ce802b370004dec30a7/original.gif?1699650792" alt="Wealthsimple | TLDR🤑 | Canada’s Most-Read Financial Newsletter" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:700; font-size:36px; line-height:100%; color:#32302F; text-align:center; display:block; margin:0 auto"></a> <a href="#" target="_blank"><img width="600" border="0" class="responsive dark-img" src="https://braze-images.com/appboy/communication/assets/image_assets/images/654e9ce8a0319b004dc87d37/original.gif?1699650792" alt="Wealthsimple | TLDR🤑 | Canada’s Most-Read Financial Newsletter" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:700; font-size:36px; line-height:100%; color:#fff; text-align:center; margin:0 auto; display:none"></a> </td></tr></tbody></table></td></tr><tr><td valign="top" align="center" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:21px; line-height:112%; color:#32302F"><table width="90%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="bottom" class="section-divider" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:600; font-size:18px; line-height:133%; color:#32302F; text-align:left; padding:30px 0 5px; border-bottom:1px solid #32302F">IN THIS ISSUE</td><td valign="bottom" align="right" class="section-divider" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:16px; line-height:100%; color:#32302F; text-align:right; padding:30px 0 5px; border-bottom:1px solid #32302F">8 min read</td></tr><tr><td colspan="2" valign="top" class="in-this-issue-list" style="padding:30px 0 4px"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" class="in-this-issue-item" style="padding:7px 0"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td width="42" class="goomoji" aria-hidden="true" valign="top" style="font-size:21px">😎</td><td align="left" style="font-size:21px">Apple has goggles </td></tr></tbody></table></td></tr><tr><td valign="top" class="in-this-issue-item" style="padding:7px 0"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td width="42" class="goomoji" aria-hidden="true" valign="top" style="font-size:21px">💸</td><td align="left" style="font-size:21px">Tesla has discounts </td></tr></tbody></table></td></tr><tr><td valign="top" class="in-this-issue-item" style="padding:7px 0"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td width="42" class="goomoji" aria-hidden="true" valign="top" style="font-size:21px">⛰️</td><td align="left" style="font-size:21px">The market has peaks </td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table width="90%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" class="in-this-issue-list" style="padding:30px 0 0"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" style="padding:0"><img width="540" height="360" alt="" border="0" class="responsive" src="https://braze-images.com/appboy/communication/assets/image_assets/images/65b6c8b7ec03940057abb5a8/original.png?1706477751" style="display:block; border-radius:15px"> </td></tr><tr><td align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:14px; line-height:120%; color:#32302F; text-align:left; padding:9px 0 25px">1995’s <em>Johnny Mnemonic </em>was sort of meh, but it was oddly prescient about a world-threatening plague, conspiracy theories, megacorps, <em>AND</em> maybe VR goggles. We explain below. | TriStar Pictures</td></tr></tbody></table></td></tr></tbody></table><table width="90%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" class="section-divider" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:600; font-size:18px; line-height:133%; color:#32302F; text-align:left; padding:30px 0 5px; border-bottom:1px solid #32302F">THE WEEK IN MARKETS</td></tr><tr><td class="body-text" align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:18px; line-height:150%; color:#32302F; text-align:left; padding:30px 0 0"><strong>More Up and To The Right</strong><br>Another week, another round of fresh all-time highs for U.S. stocks. Even the light-on-tech TSX is getting close to surpassing its 2022 peak. Does this mean if you buy stocks now you’re paying too much? Below, a primer on how markets work and what history tells us about “all-time highs.”</td></tr></tbody></table><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" style="padding:30px 0"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" class="today-one-number" style="background-color:#32302F; border-radius:12px; padding:0"><table width="90%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" class="section-divider" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:600; font-size:18px; line-height:130%; color:#fff; text-align:left; padding:30px 0 5px; border-bottom:1px solid #fff">THE WEEK IN ONE NUMBER</td></tr><tr><td valign="top" style="padding:16px 0 0"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td align="left" class="color-accent one-number-small" style="font-family:Futura-CondensedExtraBold,'Roboto Condensed',Arial Condensed,sans-serif; font-weight:900; font-size:96px; letter-spacing:-.04em; line-height:100%; color:#D7EC84; text-align:left; padding:30px 0 16px">2009</td></tr><tr><td align="left" class="body-copy" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:18px; line-height:150%; color:#fff; text-align:left; padding:9px 0 30px">The last time Chinese stocks listed on the <a href="#" style="color:#fff; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">Hang Seng Index</a> were trading at their current levels. The index has shed almost 20% of its value over the past six months as China’s economic outlook has worsened.</td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table width="90%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" class="section-divider" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:600; font-size:18px; line-height:133%; color:#32302F; text-align:left; padding:30px 0 5px; border-bottom:1px solid #32302F">WHAT HAPPENED LAST WEEK</td></tr><tr><td valign="top" class="in-this-issue-list" style="padding:30px 0 0"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td align="left" class="color-accent" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:22px; line-height:150%; color:#5C8145; text-align:left; padding:0 0"><span style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:600">IMPORTANT</span></td></tr><tr><td align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:18px; line-height:150%; color:#32302F; text-align:left; padding:9px 0 .75em"><strong>Hot Rate-Cut Summer is coming. </strong>To no one’s surprise, Team Tiff held interest rates at 5% last week, but Canada’s top central banker did make headlines by loudly hinting that rate cuts — that’s when they go down, in case you’ve forgotten they can go in that direction — could come <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">as early as June</a>. Markets are expecting a 0.32% cut, per Bloomberg data.<span style="display:block; line-height:.375em"><br><br></span><strong>Canadian universities might need a new funding model. </strong>It’s no secret that<strong> </strong>post-secondary schools make bank on international students, who on average pay <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">429%</a> more in tuition than Canadians. One problem with this is that some predatory institutions have <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">lured foreign students</a> to Canada with false promises of citizenship. To crack down on such grifts, Ottawa plans to hand out <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">35%</a> fewer student visas than it did last year. That could spell trouble for reputable schools, like <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">Queens</a>, that are already facing budget shortfalls.</td></tr><tr><td align="left" class="color-accent" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:22px; line-height:150%; color:#5C8145; text-align:left; padding:0"><span style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:600">INTERESTING</span></td></tr><tr><td align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:18px; line-height:150%; color:#32302F; text-align:left; padding:9px 0 4px"><strong>Microsoft joins Apple in the US$3-trillion club.</strong> Microsoft has <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">nearly doubled</a> its value in a single year, which is a feat usually pulled off by penny stocks shooting up to two pennies. How did Microsoft get so hot? It has a big lead in machine learning thanks to its partnership with <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">OpenAI</a>. Also, less <em>Brave-New-World</em>y, about a decade ago, Microsoft pivoted hard into cloud computing and gradually became the go-to data-storage provider for jumbo companies. Apple dominated Round #1 of <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">Mac v. PC</a>. If it’s going to win Round #2, it’ll need to sell a lot of US$3,500 AR/VR goggles… <span style="display:block; line-height:.375em"><br><br></span><strong>…And so far, so good on those goggles!</strong> Apple’s Vision Pro went on presale in the U.S. last week, and customers quickly bought out the initial <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">180,000</a> run. Early adopters don’t seem quite sure <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">what to do with the headsets yet</a> besides watch movies, but, as Stratechery’s Ben Thompson <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">pointed out</a>, watching movies could be plenty. After all, why gather the family around a $700 TV when you can spend US$14,000 on four pairs of Vision Pros? <span style="display:block; line-height:.375em"><br><br></span><strong>Elon Musk begs Big Government to protect Tesla.</strong> The EV giant’s shares fell by <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">12%</a> on Thursday, putting it 55% below its ’21 value, after it announced <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">not-great earnings</a>. Basically, Tesla slashed its car prices to boost growth, which hurt profits and didn’t actually boost growth very much. Adding to Tesla’s woes, <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">Musk</a> conceded to shareholders that its Chinese rival BYD builds “extremely good” cars that cost about <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">CAD$24K</a> less than the typical Tesla, and that Tesla can’t cut prices much more. Musk even warned that, unless the U.S. puts up further trade barriers, BYD will “<a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">demolish</a> most other car companies.” <span style="display:block; line-height:.375em"><br><br></span><strong>RRSP v. TFSA: </strong>Last week<strong> </strong>we shared <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">this chart</a>, to help you figure out which tax-advantaged savings account is most advantaged for you, but the link didn’t work for some reason. Sorry!<strong> </strong>Here’s a <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">backup link</a> just in case it doesn’t work again. <span style="display:block; line-height:.375em"><br><br></span><em>—Sarah Rieger</em> </td></tr></tbody></table></td></tr></tbody></table><table width="90%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" class="section-divider" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:600; font-size:18px; line-height:133%; color:#32302F; text-align:left; padding:30px 0 5px; border-bottom:1px solid #32302F">FROM OUR SPONSOR</td></tr></tbody></table><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"></table><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top"></td></tr><tr><td valign="top" align="center" class="whats-up-this-week" style="padding:0"><table width="90%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" align="center" style="padding:30px 0"><table border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" style="padding:0"><a href="#"><img src="https://braze-images.com/appboy/communication/assets/image_assets/images/65ad93252e99d3004d90cdc9/original.png?17058742133" width="540" alt="Set up a direct deposit if you want more money" border="0" class="responsive" style="display:block; margin:auto"></a></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table width="90%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" class="section-divider" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-size:18px; line-height:130%; color:#32302f; text-align:left; padding:30px 0 5px; border-bottom:1px solid #32302f"><span style="font-weight:600">THE FOMO INDEX</span> <span style="font-style:italic">by Stacey Woods</span> </td></tr><tr><td align="left" class="color-accent" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:500; font-size:18px; line-height:112%; color:#5c8145; text-align:center; padding:30px 0 10px">IMPORTANT</td></tr><tr><td valign="top" class="fomo-index-chart" style="padding:0"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" style="padding:0"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" style="padding:0 0 16px"><table width="256" valign="top" class="fomo-item" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" style="padding:16px 0 0"><table class="tldr-tile" width="66%" border="0" cellspacing="0" cellpadding="0" role="presentation" align="right"><tbody><tr><td valign="top" class="fomo-item-bg" style="padding:15px 10px; background-color:#fff; border-radius:12px"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" align="center" aria-hidden="true" class="goomoji" style="padding:0; font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:36px; line-height:36px; color:#32302f; text-align:center">✉️</td></tr><tr><td align="center" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:14px; line-height:120%; color:#32302f; text-align:center; padding:4px 0 0">Canada Post is selling its slightly used IT department. Extra postage required. Do not bend, fold, or irritate. <br><a href="#" style="color:#32302f; text-decoration:underline; font-size:10px">Source</a> </td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td valign="top" style="padding:16px 0 0"><table class="tldr-tile" width="66%" border="0" cellspacing="0" cellpadding="0" role="presentation" align="center"><tbody><tr><td valign="top" class="fomo-item-bg" style="padding:15px 10px; background-color:#fff; border-radius:12px"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" align="center" aria-hidden="true" class="goomoji" style="padding:0; font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:36px; line-height:36px; color:#32302f; text-align:center">💅</td></tr><tr><td align="center" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:14px; line-height:120%; color:#32302f; text-align:center; padding:4px 0 0">Oscars snub Greta Gerwig & Margot Robbie but not Ryan Gosling, proving once and for all that men rule. <br><a href="#" style="color:#32302f; text-decoration:underline; font-size:10px">Source</a> </td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td><td width="18" valign="top" align="right"><img src="https://braze-images.com/appboy/communication/assets/image_assets/images/639b4fd666924c004c551200/original.png?1671122902" width="4" height="4" alt="" border="0" class="light-img" style="padding:1px 0 0; display:block"> <img src="https://braze-images.com/appboy/communication/assets/image_assets/images/639b4fd68bfc58004f7ef7b0/original.png?1671122902" width="4" height="4" alt="" border="0" class="dark-img" style="padding:1px 0 0; display:none"> </td><td width="1" valign="top" align="center" class="arrow-bg" style="background-color:#5c8145; line-height:1px; font-size:4px"> </td><td width="18" valign="top" align="left"><img src="https://braze-images.com/appboy/communication/assets/image_assets/images/639b4fd6c88f5b004ce512e9/original.png?1671122902" width="4" height="4" alt="" border="0" class="light-img" style="padding:1px 0 0; display:block"> <img src="https://braze-images.com/appboy/communication/assets/image_assets/images/639b4fd6e18044004d3768bc/original.png?1671122902" width="4" height="4" alt="" border="0" class="dark-img" style="padding:1px 0 0; display:none"> </td><td valign="top" style="padding:0 0 16px"><table width="256" valign="top" class="fomo-item" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" style="padding:16px 0 0"><table class="tldr-tile" width="66%" border="0" cellspacing="0" cellpadding="0" role="presentation" align="right"><tbody><tr><td valign="top" class="fomo-item-bg" style="padding:15px 10px; background-color:#fff; border-radius:12px"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" align="center" aria-hidden="true" class="goomoji" style="padding:0; font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:36px; line-height:36px; color:#32302f; text-align:center">🌯</td></tr><tr><td align="center" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:14px; line-height:120%; color:#32302f; text-align:center; padding:4px 0 0">Chipotle hiring 19,000 workers for “burrito season,” which is when the cheese ripens and the beans start to turn. <br><a href="#" style="color:#32302f; text-decoration:underline; font-size:10px">Source</a> </td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td valign="top" style="padding:16px 0 0"><table class="tldr-tile" width="66%" border="0" cellspacing="0" cellpadding="0" role="presentation" align="center"><tbody><tr><td valign="top" class="fomo-item-bg" style="padding:15px 10px; background-color:#fff; border-radius:12px"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" align="center" aria-hidden="true" class="goomoji" style="padding:0; font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:36px; line-height:36px; color:#32302f; text-align:center">📺</td></tr><tr><td align="center" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:14px; line-height:120%; color:#32302f; text-align:center; padding:4px 0 0">Jon Stewart and The Daily Show getting back together. Neither one of them could find a match on SilverSingles. <br><a href="#" style="color:#32302f; text-decoration:underline; font-size:10px">Source</a> </td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td valign="top" style="padding:0"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td width="75" align="left" class="color-accent" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:500; font-size:18px; line-height:112%; color:#5c8145; text-align:center; padding:0">CRASH <br>& BURN</td><td valign="middle" style="padding:0"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="bottom" align="left"><img src="https://braze-images.com/appboy/communication/assets/image_assets/images/639b4fd666924c004c551200/original.png?1671122902" width="4" height="4" alt="" border="0" class="light-img" style="display:block; padding:0 0 0 1px"> <img src="https://braze-images.com/appboy/communication/assets/image_assets/images/639b4fd68bfc58004f7ef7b0/original.png?1671122902" width="4" height="4" alt="" border="0" class="dark-img" style="padding:0 0 0 1px; display:none"> </td></tr><tr><td height="1" valign="top" align="center" style="background-color:#5c8145"></td></tr><tr><td valign="top" align="left"><img src="https://braze-images.com/appboy/communication/assets/image_assets/images/639b4fd6c88f5b004ce512e9/original.png?1671122902" width="4" height="4" alt="" border="0" class="light-img" style="display:block; padding:0 0 0 1px"> <img src="https://braze-images.com/appboy/communication/assets/image_assets/images/639b4fd6e18044004d3768bc/original.png?1671122902" width="4" height="4" alt="" border="0" class="dark-img" style="padding:0 0 0 1px; display:none"> </td></tr></tbody></table></td><td width="40" valign="middle" align="center" aria-hidden="true" style="padding:0; color:#32302f; text-align:center"><img src="https://braze-images.com/appboy/communication/assets/image_assets/images/639b4fd68ae57b004d1e3646/original.png?1671122902" width="20" height="20" alt="" border="0" style="display:block; margin:0 auto"> </td><td valign="middle" style="padding:0"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="bottom" align="right"><img src="https://braze-images.com/appboy/communication/assets/image_assets/images/639b4fd6c88f5b004ce512e9/original.png?1671122902" width="4" height="4" alt="" border="0" class="light-img" style="display:block; padding:0 1px 0 0"> <img src="https://braze-images.com/appboy/communication/assets/image_assets/images/639b4fd6e18044004d3768bc/original.png?1671122902" width="4" height="4" alt="" border="0" class="dark-img" style="padding:0 1px 0 0; display:none"> </td></tr><tr><td height="1" valign="top" align="center" style="background-color:#5c8145"></td></tr><tr><td valign="top" align="right"><img src="https://braze-images.com/appboy/communication/assets/image_assets/images/639b4fd666924c004c551200/original.png?1671122902" width="4" height="4" alt="" border="0" class="light-img" style="display:block; padding:0 1px 0 0"> <img src="https://braze-images.com/appboy/communication/assets/image_assets/images/639b4fd68bfc58004f7ef7b0/original.png?1671122902" width="4" height="4" alt="" border="0" class="dark-img" style="padding:0 1px 0 0; display:none"> </td></tr></tbody></table></td><td width="75" align="left" class="color-accent" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:500; font-size:18px; line-height:112%; color:#5c8145; text-align:center; padding:0">TO THE <br>MOON</td></tr></tbody></table></td></tr><tr><td valign="top" style="padding:0"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" style="padding:0"><table border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" style="padding:0 0 16px"><table width="256" valign="top" class="fomo-item" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" style="padding:16px 0 0"><table class="tldr-tile" width="66%" border="0" cellspacing="0" cellpadding="0" role="presentation" align="right"><tbody><tr><td valign="top" class="fomo-item-bg" style="padding:15px 10px; background-color:#fff; border-radius:12px"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" align="center" aria-hidden="true" class="goomoji" style="padding:0; font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:36px; line-height:36px; color:#32302f; text-align:center">💸</td></tr><tr><td align="center" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:14px; line-height:120%; color:#32302f; text-align:center; padding:4px 0 0">$64 million lottery ticket sold in New Brunswick still unclaimed. Someone check under that pub table that used to wobble. <br><a href="#" style="color:#32302f; text-decoration:underline; font-size:10px">Source</a> </td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td valign="top" style="padding:16px 0 0"><table class="tldr-tile" width="66%" border="0" cellspacing="0" cellpadding="0" role="presentation" align="center"><tbody><tr><td valign="top" class="fomo-item-bg" style="padding:15px 10px; background-color:#fff; border-radius:12px"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" align="center" aria-hidden="true" class="goomoji" style="padding:0; font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:36px; line-height:36px; color:#32302f; text-align:center">🧑⚖️</td></tr><tr><td align="center" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:14px; line-height:120%; color:#32302f; text-align:center; padding:4px 0 0">Indian judge to decide who invented butter chicken, but there’s no question it’s guilty of being delicious. <br><a href="#" style="color:#32302f; text-decoration:underline; font-size:10px">Source</a> </td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td><td width="18" valign="bottom" align="right"><img src="https://braze-images.com/appboy/communication/assets/image_assets/images/639b4fd6c88f5b004ce512e9/original.png?1671122902" width="4" height="4" alt="" border="0" class="light-img" style="padding:0 0 1px; display:block"> <img src="https://braze-images.com/appboy/communication/assets/image_assets/images/639b4fd6e18044004d3768bc/original.png?1671122902" width="4" height="4" alt="" border="0" class="dark-img" style="padding:0 0 1px; display:none"> </td><td width="1" valign="top" align="center" class="arrow-bg" style="background-color:#5c8145; line-height:1px; font-size:4px"> </td><td width="18" valign="bottom" align="left"><img src="https://braze-images.com/appboy/communication/assets/image_assets/images/639b4fd666924c004c551200/original.png?1671122902" width="4" height="4" alt="" border="0" class="light-img" style="padding:0 0 1px; display:block"> <img src="https://braze-images.com/appboy/communication/assets/image_assets/images/639b4fd68bfc58004f7ef7b0/original.png?1671122902" width="4" height="4" alt="" border="0" class="dark-img" style="padding:0 0 1px; display:none"> </td><td valign="top" style="padding:0"><table border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" style="padding:0 0 16px"><table width="256" valign="top" class="fomo-item" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" style="padding:16px 0 0"><table class="tldr-tile" width="66%" border="0" cellspacing="0" cellpadding="0" role="presentation" align="center"><tbody><tr><td valign="top" class="fomo-item-bg" style="padding:15px 10px; background-color:#fff; border-radius:12px"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" align="center" aria-hidden="true" class="goomoji" style="padding:0; font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:36px; line-height:36px; color:#32302f; text-align:center">💩</td></tr><tr><td align="center" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:14px; line-height:120%; color:#32302f; text-align:center; padding:4px 0 0">If it didn’t sh*t, you must acquit: Italian detectives using dog poop DNA to bust irresponsible owners. <br><a href="#" style="color:#32302f; text-decoration:underline; font-size:10px">Source</a> </td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td valign="top" style="padding:16px 0 0"><table class="tldr-tile" width="66%" border="0" cellspacing="0" cellpadding="0" role="presentation" align="left"><tbody><tr><td valign="top" class="fomo-item-bg" style="padding:15px 10px; background-color:#fff; border-radius:12px"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" align="center" aria-hidden="true" class="goomoji" style="padding:0; font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:36px; line-height:36px; color:#32302f; text-align:center">🚔</td></tr><tr><td align="center" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:14px; line-height:120%; color:#32302f; text-align:center; padding:4px 0 0">Police arrest woman who allegedly stole US$2,500 worth of Stanley cups. They just followed the trail of Nestea drops. <br><a href="#" style="color:#32302f; text-decoration:underline; font-size:10px">Source</a> </td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td align="left" class="color-accent" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:500; font-size:18px; line-height:112%; color:#5c8145; text-align:center; padding:10px 0 15px">WHO CARES</td></tr></tbody></table></td></tr></tbody></table><table width="90%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" class="section-divider" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:600; font-size:18px; line-height:133%; color:#32302F; text-align:left; padding:30px 0 5px; border-bottom:1px solid #32302F">WHAT’S UP THIS WEEK</td></tr><tr><td class="body-text" align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:18px; line-height:150%; color:#32302F; text-align:left; padding:30px 0 0"><strong>5/7 of the Magnificent Seven to announce earnings.</strong> Can big tech keep up its <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">monster earnings growth</a>? We’ll find out when Microsoft and Google report Tuesday, followed by Apple, Amazon, and Meta on Thursday. <span style="display:block; line-height:.375em"><br><br></span><strong>And we finally get some big Canadian earnings</strong>, including from Canadian Pacific Kansas City, Rogers, and CGI.</td></tr></tbody></table><table width="90%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" style="padding:30px 0 30px"><a href="#"><img width="540" border="0" class="responsive" src="https://braze-images.com/appboy/communication/assets/image_assets/images/65b6c8b7a176fb004d48212d/original.png?1706477751" alt="Why is Netflix the only streamer making money?" style="display:block; border-radius:15px"></a> </td></tr></tbody></table><table width="90%" border="0" cellspacing="0" cellpadding="0" role="presentation" class="big-important-story"><tbody><tr><td valign="top" class="section-divider" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:600; font-size:18px; line-height:133%; color:#32302F; text-align:left; padding:30px 0 5px; border-bottom:1px solid #32302F">THE BIG IMPORTANT STORY</td></tr><tr><td valign="top" class="in-this-issue-list" style="padding:0"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:600; font-size:14px; line-height:100%; color:#32302F; text-align:left; padding:30px 0 0">TRADING</td></tr><tr><td align="left" class="headline" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:40px; line-height:100%; color:#32302F; text-align:left; padding:8px 0 25px">Stocks Hit Fresh Highs. Is It a Bad Time to Invest?</td></tr><tr><td align="left" class="body-copy" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:18px; line-height:150%; color:#32302F; text-align:left; padding:0 0 30px">The boom times are back! (For now, anyway.) In recent weeks, the S&P 500, Dow, and Nasdaq have all notched all-time highs for the first time in two years, and the TSX could join the party soon. Every investor has heard the chestnut “buy low, sell high.” So now that stocks are decidedly <em>not</em> low, does that mean it’s a rotten time to buy? Should you instead hoard cash, like some sort of cave-dwelling, <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font"><em>WSJ</em></a>-reading goblin, until stocks fall and then go all in to maximize your returns? We don’t give investing advice here at TLDR, but we thought we’d unpack some data behind all-time highs to help you make sense of this moment. <span style="display:block; line-height:.375em"><br><br></span><strong>Why do all-time highs make some investors nervous?</strong> Well, it comes down to the basic principle that to make money in markets, you have to sell a stock (or ETF, etc.) for more than you paid for it. And if prices start out high, that might be harder to do. For this reason, investors try to avoid buying stocks that are overvalued — that is, you’re paying too much for what you get (a company’s earnings). And sometimes entire stock indexes get overvalued, leading to a painful correction, or fall, when investors across the board realize that companies aren’t making enough money to justify their high stock prices.<span style="display:block; line-height:.375em"><br><br></span><strong>OK, so you shouldn’t buy at the top, then, right?</strong> Seems like a good assumption, but the data doesn’t necessarily agree. North American stocks have marched steadily upward over the past century, and some bull markets have <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">run for decades</a>, partly since rising stocks and a booming economy can self-reinforce each other. So, if you’re waiting for a crash before you get in, you could wait for a long time and miss out on big returns. For instance, if you thought stocks were overheated in 1980 and delayed investing until the next bear market (that is, a 20% downturn), you would have waited seven years and missed out on something like <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">117%</a> in returns. And even that downturn was a four-month blip in a historic 20-year bull market during which the S&P 500 rose north of 1,000%. <span style="display:block; line-height:.375em"><br><br></span><strong>So, all-time highs don’t mean a correction is imminent? </strong>History suggests no, not usually. If you look back to 1957, when the S&P 500 was created, the index has notched a new all-time high about every <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">14 trading days</a>, or 7% of the time. What’s more, the S&P has been <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">within 5%</a> of its latest high about 60% of the time and has been in a bear market only 12% of the time. <span style="display:block; line-height:.375em"><br><br></span><strong>But what if there is a correction? Is your portfolio ruined forever? </strong>Probably not if you’re <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">diversified</a> and investing long term. <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font"><em>The New York Times</em></a> recently pointed out that if you invested in an S&P index fund on October 9, 2007, right before the stock market fell by more than 50% during the global financial crisis, you <em>still </em>would have gained 9.3% annually in the years since then for a cumulative return of 325%, provided you reinvested your dividends. That said, some foreign stock markets, like Japan’s, have had <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">“lost decades”</a> of little to no growth, so there’s that.<span style="display:block; line-height:.375em"><br><br></span><strong>So what about the current rally?</strong> It’s been largely driven by rising corporate earnings, which was not the case in 2021, when stocks surged beyond what earnings realistically justified. Hence the hard 2022 correction. Right now, tech stocks are <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">more expensive</a>, relative to earnings, than the rest of the market, but they’re <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">nowhere near as pricey</a> as they were in 2021, much less in the dot-com bubble. <span style="display:block; line-height:.375em"><br><br></span>That said, there’s risk everywhere all the time. No one knows what fresh hell, or blue skies, might await. But history has shown that, for most investors, time in the market is more important than timing the market. If you’ve heard that before, it’s because someone’s been giving you historically good advice.<span style="display:block; line-height:.375em"><br><br></span>—<em>Sarah Rieger & Jared Sullivan </em></td></tr></tbody></table></td></tr></tbody></table><table width="90%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" class="section-divider" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:600; font-size:18px; line-height:133%; color:#32302F; text-align:left; padding:30px 0 5px; border-bottom:1px solid #32302F">OTHER VERY GOOD READS</td></tr><tr><td valign="top" class="non-essential-list" style="padding:15px 0 25px"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" style="padding:15px 0 0"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" class="nonessential-item" style="padding:15px 0; background-color:#fff; border-radius:12px; display:block"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td width="73" aria-hidden="true" valign="middle" class="goomoji good-reads-icon" style="padding:0; font-size:26px; line-height:26px; text-align:center">🥫</td><td align="left" class="good-reads-text" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:22px; line-height:112%; color:#32302F; text-align:left; padding:0 30px 0 0"><a href="#" style="display:block; color:#32302F; text-decoration:none"><span>Inside One of the Food Industry’s Most Guarded Secrets*</span> <br><span style="font-size:12px; line-height:112%">Why food brands use private labels to compete with themselves. | </span><span style="font-size:12px; line-height:112%; text-decoration:underline">Toronto Star</span> </a></td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td valign="top" style="padding:15px 0 0"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" class="nonessential-item" style="padding:15px 0; background-color:#fff; border-radius:12px; display:block"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td width="73" aria-hidden="true" valign="middle" class="goomoji good-reads-icon" style="padding:0; font-size:26px; line-height:26px; text-align:center">🔦</td><td align="left" class="good-reads-text" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:22px; line-height:112%; color:#32302F; text-align:left; padding:0 30px 0 0"><a href="#" style="display:block; color:#32302F; text-decoration:none"><span>The Woman Who Spent Five Hundred Days in a Cave*</span> <br><span style="font-size:12px; line-height:112%">Shocker: living underground is tough. | </span><span style="font-size:12px; line-height:112%; text-decoration:underline">The New Yorker</span> </a></td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td valign="top" style="padding:15px 0 0"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" class="nonessential-item" style="padding:15px 0; background-color:#fff; border-radius:12px; display:block"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td width="73" aria-hidden="true" valign="middle" class="goomoji good-reads-icon" style="padding:0; font-size:26px; line-height:26px; text-align:center">💰</td><td align="left" class="good-reads-text" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:22px; line-height:112%; color:#32302F; text-align:left; padding:0 30px 0 0"><a href="#" style="display:block; color:#32302F; text-decoration:none"><span>How to Save $1.7M for Retirement</span> <br><span style="font-size:12px; line-height:112%">We crunched the numbers for you. | </span><span style="font-size:12px; line-height:112%; text-decoration:underline">Wealthsimple Magazine</span> </a></td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td valign="top" style="padding:15px 0 0"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" class="nonessential-item" style="padding:15px 0; background-color:#fff; border-radius:12px; display:block"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td width="73" aria-hidden="true" valign="middle" class="goomoji good-reads-icon" style="padding:0; font-size:26px; line-height:26px; text-align:center">💉</td><td align="left" class="good-reads-text" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:22px; line-height:112%; color:#32302F; text-align:left; padding:0 30px 0 0"><a href="#" style="display:block; color:#32302F; text-decoration:none"><span>The Complete History & Strategy of Novo Nordisk</span> <br><span style="font-size:12px; line-height:112%">A deep dive into the company behind Ozempic. | </span><span style="font-size:12px; line-height:112%; text-decoration:underline">Acquired podcast</span> </a></td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:10px; line-height:112%; color:#32302F; text-align:left; padding:16px 0 10px">*Article is paywalled, which, yeah, is kind of annoying. But we think good journalism is worth paying for.</td></tr></tbody></table></td></tr></tbody></table><table width="90%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" class="section-divider" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:600; font-size:18px; line-height:133%; color:#32302F; text-align:left; padding:30px 0 5px; border-bottom:1px solid #32302F">THE WISDOM OF BLUESKY</td></tr><tr><td align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:18px; line-height:150%; color:#32302F; text-align:left; padding:30px 0 12px">If our phones don’t make us happy, surely the Apple goggles will…</td></tr><tr><td valign="top" style="padding:0 0 15px; font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:18px; line-height:150%; color:#32302F; text-align:left"><a href="#" style="color:#32302F"><img width="540" border="0" class="responsive" src="https://braze-images.com/appboy/communication/assets/image_assets/images/65b6c8b7e51c9f004d925104/original.png?1706477751" alt="I keep wondering how much longer I need to look at my phone until it makes me happy. Got to be close now." style="display:block"></a> </td></tr></tbody></table><table width="90%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" class="section-divider" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:600; font-size:18px; line-height:133%; color:#32302f; text-align:left; padding:30px 0 5px; border-bottom:1px solid #32302f">THOUGHTS ON TODAY’S ISSUE?</td></tr><tr><td valign="top" style="padding:30px 0 0"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" class="survey-option" style="background-color:#fff; border-radius:12px; display:block"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td align="center" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:14px; line-height:150%; color:#32302f; text-align:center; padding:20px 0"><a href="#" style="display:block; color:#32302f; text-decoration:none"><img src="https://braze-images.com/appboy/communication/assets/image_assets/images/639b4d549e12c0004a328bb2/original.png?1671122260" width="36" height="36" alt="" border="0" style="display:inline-block"> <br>Love it </a></td></tr></tbody></table></td><td valign="top" width="16"></td><td valign="top" class="survey-option" style="background-color:#fff; border-radius:12px; display:block"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td align="center" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:14px; line-height:150%; color:#32302f; text-align:center; padding:20px 0"><a href="#" style="display:block; color:#32302f; text-decoration:none"><img src="https://braze-images.com/appboy/communication/assets/image_assets/images/639b4d549c4a91004b983a95/original.png?1671122260" width="36" height="36" alt="" border="0" style="display:inline-block"> <br>Good </a></td></tr></tbody></table></td><td valign="top" width="16"></td><td valign="top" class="survey-option" style="background-color:#fff; border-radius:12px; display:block"><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td align="center" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:14px; line-height:150%; color:#32302f; text-align:center; padding:20px 0"><a href="#" style="display:block; color:#32302f; text-decoration:none"><img src="https://braze-images.com/appboy/communication/assets/image_assets/images/639b4d54ec2608004a63fb30/original.png?1671122260" width="36" height="36" alt="" border="0" style="display:inline-block"> <br>So so </a></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td valign="top" align="center" class="contributors" style="padding:0"><table width="90%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" class="section-divider" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:700; font-size:18px; line-height:133%; color:#32302F; text-align:left; padding:30px 0 5px; border-bottom:1px solid #32302F"></td></tr><tr><td align="left" style="font-family:FuturaPT-Book,Roboto,Helvetica,Arial,sans-serif; font-size:10px; line-height:120%; color:#32302F; text-align:left; padding:30px 0 0">This week’s newsletter contributors: Ben Mathis-Lilley (writer), Devin Gordon (writer), Stacey Woods (writer), Sarah Rieger (news writer), Ambrose Martos (fact checker), Ciara Rickard (copy editor), Nikki Holmes (copy editor), Sara Black McCulloch (fact checker), Mohini Tailor (senior lifecycle specialist), Matthew Karasz (markets editor) Jared Sullivan (senior editor), Peter Martin (senior editor), Kat Angus (managing editor), and Devin Friedman (editor-in-chief). <br><br><strong>Disclosures:</strong> Contributors to this newsletter own stock in Amazon, Google, and Microsoft.</td></tr></tbody></table></td></tr><tr><td valign="top" align="center" class="footer" style="padding:0 0 32px"><table width="90%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" class="section-divider" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; 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Visit our <a href="#" target="_blank" style="color:#94908D; text-decoration:underline">Help Centre</a> or <a href="#" target="_blank" style="color:#94908D; text-decoration:underline">submit a request</a> to our Client Support team.</td></tr><tr><td valign="top" align="left" style="padding:0 0 16px"><table width="66%" align="left" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:10px; line-height:120%; color:#94908D; text-align:left"><a href="#" target="_blank" style="color:#94908D; text-decoration:none">VIEW IN BROWSER</a></td><td align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:10px; line-height:120%; color:#94908D; text-align:left"><a href="#" target="_blank" style="color:#94908D; text-decoration:none">PRIVACY POLICY</a></td><td align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:10px; line-height:120%; color:#94908D; text-align:left"><a href="#" style="color:#94908D; text-decoration:none">UNSUBSCRIBE</a> </td></tr></tbody></table></td></tr><tr><td align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:11px; line-height:120%; color:#94908D; text-align:left; padding:0 0 16px">Wealthsimple Core and Premium users who set up automated direct deposits totalling at least $2,000 a month to their Wealthsimple Cash will earn a boosted interest rate of 0.5% (“Boosted Rate”) on top of their current interest rate towards their Cash account balance, up to a maximum of 5% total interest rate. Boosted Rate is an annualized rate, calculated daily, paid monthly, and is subject to change. Must be residents of Canada and age of majority. Max 1 Boosted Rate per eligible client. Full details <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">here</a>.<br><br>Self-directed Investing is offered by Wealthsimple Investments Inc. (WSII). WSII is a member of the <a href="#" style="color:#32302F; text-decoration:underline; text-decoration-color:#5C8145; text-underline-position:from-font">Canadian Investment Regulatory Organization (CIRO)</a>. Customer accounts held at WSII are protected by Canadian Investor Protection Fund (CIPF) within specified limits in the event WSII becomes insolvent. A brochure describing the nature and limits of coverage is available upon request or at CIPF.</td></tr><tr><td align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:11px; line-height:120%; color:#94908D; text-align:left; padding:0 0 16px">TLDR is offered by Wealthsimple Media Inc. and is for informational purposes only. Any views expressed are those of the individual author and/or of Wealthsimple Media Inc., not of Wealthsimple Financial Corp or any of its other subsidiaries or affiliates. The content in TLDR is not investment advice, a recommendation to buy or sell assets or securities, nor any other kind of professional advice. TLDR is not a research report and should not serve as the basis for making investment decisions. Wealthsimple Media Inc. does not endorse any third-party views referenced in this content. When you invest, your money is at risk and it is possible that you may lose some or all of your investment. Past performance is not a guarantee of future results. Historical returns, hypothetical returns, expected returns and images included in this content are for illustrative purposes only. Always research before investing.</td></tr><tr><td align="left" style="font-family:FuturaPT,Roboto,Helvetica,Arial,sans-serif; font-weight:400; font-size:11px; line-height:120%; color:#94908D; text-align:left; padding:0 0 16px">© 2024 Wealthsimple Media Inc.</td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></center></body></html>
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