From the blog

24 articles

China Isn’t Just Copying Nvidia’s Chips. It’s Rebuilding the Moat.

On September 30, DeepSeek released code for Huawei’s Ascend AI chips. One library handles the calculations models repeat millions of times. Another helps chips pass work to each other. DeepSeek and Huawei have also worked on a machine built around 128 Ascend 950 processors. The partnership puts a major model builder to work on the...

What If Every App Had Closing Hours?

A shop has closing hours. At some point the lights go out, the cashier goes home, and the sign flips to CLOSED. The building is still there. You can walk past it. You simply cannot buy anything inside until morning. Your phone has no such sign. At 11:40 p.m., you can check whether your rent...

Why China’s $1.2 Trillion Trade Surplus Is a Global Problem

The China trade surplus 2025 figures ended the year with a staggering number: $1.189 trillion. That was the gap between the value of goods China sold abroad and what it bought from the rest of the world. That number shows the strength of China’s export machine, but also something less triumphant. China is producing far...

Even Superintelligence Has Limits

Picture a superintelligent AI on Earth that understands a star four light-years away better than any astronomer who has ever lived. If that star changes today, the AI still waits four years for the news. Intelligence cannot make the signal arrive early. That delay exposes the flaw in the popular image of artificial superintelligence as...

Anthropic Could Be Worth $4 Trillion.

A software buyer can move from Claude to another artificial intelligence model without selling a factory, retraining a workforce or waiting for a lease to expire. In some systems, the change takes little more than an API call and a round of testing. That small technical fact sits underneath one of the largest valuation debates...

How I’d Invest My First $1,000 in Canada in 2026

If you’re wondering how to invest $1,000 in Canada, the investment itself is only part of the decision. You also need to figure out which account to use, how soon you’ll need the money, what fees you’ll pay, and what you’ll actually buy. You have $1,000 sitting in your bank account and you’ve finally decided...

Sixty-One Percent of Energy Investment Is Now Going Into Electricity

On sunny spring afternoons in California, something counterintuitive happens: the grid operator tells solar farms to make less electricity, not more. In 2024, the California Independent System Operator curtailed 3.4 million megawatt-hours of utility-scale wind and solar output, a 29% jump from the year before, mostly because transmission lines didn’t have room to carry the...

Google Is Paying Farmers to Change How They Grow Rice. Here’s the Real Bet Behind It.

How Google Rice Carbon Credits Work Google rice carbon credits are built around an unusual idea: changing how farmers flood their fields could reduce methane while helping remove carbon from the atmosphere. That unglamorous fact is the starting point for the largest carbon-removal deal Google has signed to date. On September 16, Reuters reported that...

Banks Are Lending $22 Billion Against AI Chips. Here’s the Risk.

A bank knows what to do with a house after a borrower defaults. It can sell the property and recover part of the mortgage. A warehouse full of artificial intelligence chips creates a stranger problem. The hardware is valuable, difficult to replace and capable of generating enormous revenue. It can also lose economic value quickly...

How to Turn Text Into Your Own Voice for Free on Windows

You can run Chatterbox TTS on your Windows PC, give it a short recording of your voice, and generate narration through a local browser interface. The setup takes some command-line work, but you only need to do it once. This guide uses the open-source Chatterbox project from Resemble AI and my Chatterbox Voice Studio interface....

Why Private Equity Wants Your Retirement Money

Every two weeks, millions of Americans receive a paycheck and automatically send part of it into a 401(k). Most will repeat that process for decades. They rarely move the money, and they cannot use most of it without consequences until they reach retirement age. From your point of view, this is disciplined saving. From Wall...

Coway Airmega 150C Review: One Month in My Small Bedroom

Affiliate disclosure: I bought this air purifier with my own money. As an Amazon Associate I earn from qualifying purchases, at no additional cost to you. Amazon did not review or approve this article. I use the Airmega 150C in the corner at the foot of my bed. I bought the Coway Airmega 150C on...

Wall Street Invented an ETF That Resets Every Hour

Defiance ETFs wants to compress the leveraged ETF from one trading day into a single hour. The result would turn the path a stock takes through the day into part of the investment itself. Imagine buying a fund linked to Nvidia at 10:05 a.m. By 11:05, Nvidia is higher and your market call appears correct....

Can a Private Credit Fund Stop You From Withdrawing Your Money?

An account statement may show that you own $100,000 of a fund. Converting that value into cash can still depend on a quarterly withdrawal limit. Investors in Blackstone Private Credit Fund, commonly known as BCRED, encountered that limit in 2026. During the third quarter, they requested about $4.3 billion, equal to roughly 10% of the...

Best Canadian Dividend ETF: VDY vs XEI vs XDIV vs CDZ

If you are searching for the best Canadian dividend ETF, four names tend to appear again and again: VDY, XEI, XDIV and CDZ. At first glance, they look almost interchangeable. Each fund owns Canadian dividend-paying companies. Each trades on the Toronto Stock Exchange. Each pays a monthly distribution. Put money in, wait a few weeks,...

Can Lululemon Get Its Cult Back?

There was a time when a small white logo on a pair of black leggings communicated an entire way of life. It suggested that you went to yoga before work, knew which smoothie cost twelve dollars and treated self-improvement as a daily obligation. The clothes were comfortable, but comfort was only part of what Lululemon...

AGI Has Arrived. Nobody Can Tell You What Arrived.

GPT‑6 Astra may be an extraordinary technological achievement. That does not give a company executive the authority to end the argument over what intelligence means. Did GPT‑6 Astra achieve AGI? There is not yet an agreed standard capable of delivering a credible yes. What exists instead is a collection of impressive benchmark scores, product demonstrations,...

Your Finance App Is a Casino Lobby

The most dangerous feature may not be the trade button. It may be the feeling that something is always happening—and that you should do something about it. Finance app gamification rarely announces itself as a game. There may be no roulette wheel on the screen, no dealer asking you to place another bet. There is...

The Housing Market Is Not Housing

Why falling prices can coexist with a housing crisis Canada’s housing market can cool without Canada’s housing crisis ending. Home prices can fall while monthly payments remain unaffordable. Rental vacancies can rise while the least expensive units remain fiercely contested. Construction can accelerate while families struggle to find homes with enough bedrooms, near the places...

The $4.2 Trillion Climate Risk Hiding in America’s Bond Market

Climate risk and municipal bonds are becoming increasingly connected as disasters threaten property values, tax revenue, and essential infrastructure. Most people experience municipal finance as concrete. It is the storm drain at the end of the street, the school roof that does not leak, the pipe carrying clean water, or the seawall holding back the...

The Puer Aeternus: Why We Stay in Love With Potential

A laptop can become a museum of unlived lives. There is the half-written novel, the abandoned business plan, the course bought during a burst of conviction, the application that never quite felt ready to send. Each file preserves a small promise: when the right mood, opportunity, or version of the self arrives, real life will...

How to Start a Business When You Have No Idea Where to Start

Introduction If you’re trying to figure out how to start a business, the best place to begin is not with a logo, a company name, or quitting your job. There is a strange amount of pressure around starting a business. Find the perfect idea. Build a brand. Make passive income. Quit your job. Scale it....

Is Wealthsimple safe? What Canadians should know before using the platform

MONEY · WEALTHSIMPLE · CANADA Wealthsimple is one of the most popular financial apps in Canada, but a lot of people still wonder what would actually happen to their money if something went wrong. Short answer: Wealthsimple is a legitimate Canadian financial company. Eligible cash can receive CDIC protection through partner institutions, while eligible investment...

TQQQ vs QQQ: What Happens When You Hold 3x Leverage Long Term?

MONEY · BACKTEST · POSSIBLY TOO MUCH SPREADSHEET ENERGY I wanted to answer a very normal question: what happens if you take QQQ, give it roughly three times the daily exposure, and then hold on for dear life? Naturally, I responded by building a 26-year backtest. Because apparently this is what I do for fun...