Business
“You Have To Take The Emotion Out Of Investing” – Are You Considering Buying In?
Are you? You may not be the only one. We have seen stock markets like the Toronto Stock Exchange take major hits over the past two months due to the effects of Covid-19 taking its toll on almost every industry. With some recent rises in markets continuing to build investor confidence, we are still left in the unknown for why this is happening. Living through a historically unprecedented time uncovers a long list of questions and concerns for our livelihood as individuals, quality of life for the future, and how best to navigate through this time. I’m sure during the Irish potato famine in 1845-1849, there were many people asking – what’s going on with all the potatoes?
In a survey undertaken by the group “500 Startups” based in Silicon Valley, surveyed a group of investors to report on how they have been affected by the pandemic. The investor group consisted of venture capitalists, angel investors, corporate venture investors, and family office investors. The report showed 83% having their investment activity and plans be affected by Covid-19. As seen in the chart below, 62.6% of the group feel that startups and early-stage investors will be feeling the effects of the pandemic for 1-2 years. Their advice to startups during this time is to simply decrease costs and to increase their runway for how long they can stay in business.
Data taken from 500 Startups report on The Impact of COVID-19 on the Early-Stage Investment Climate
We spoke with Kevin Skinner, an investment advisor for Servus Wealth Strategies, who gave us some insight and knowledge pertaining to open concerns for novice investors who may be seeking to enter the market or simply are in the dark for what to with their holdings. Kevin has been working in the financial services industry for over a decade and is a top investment advisor in their St. Abert branch.
Considering what we have seen so far in stock markets, Is it a good time for new long term investors to buy now or continue to wait?
Striving away from the idea that fortune-tellers exist within trading, which is not true, a good education on markets is always a good pre-market investment of your own time. In regards to those looking to be a long term investor, he mentions:
“If you’re a long term investor the adage is that it’s always the best time…so question number one has to be, can you afford to invest the money right now…the second question is, what else can you do with this money. If you have $10,000 in the bank and $10,000 in credit card debt, always better to pay off the debt than you are investing that money.”
We want our money working for us right? Having a solid grasp of how your money is working for you may allow you to make a better-educated investment without adding any financial risk. The idea that there are smoke signals in the market to tell you it is the right time to invest, he mentions:
“If it was that easy, I would be sitting on my private island somewhere enjoying the world…It really is about investing correctly and investing to your plan. If your plan is to have the money for the long term, You need to have an understanding of your risks and your comfort.”
What if I have money to invest right now, should I wait for the bottom line?
Kevin advised the dollar cost average tool to take the emotion out of investing. With so much volatility in the market, we revisit the concept that fortune-tellers exist to tell other investors when to buy; there is no way to fully identify the risks. To ensure you’re getting good value for your money, Kevin offers an example of the dollar cost average approach:
“Take your pool of money, call it $12,000. You invest $1,000 a month in a particular fund. You catch the market as it wobbles, so you don’t necessarily buy it all at the bottom, you’re definitely not buying it all at the top. You’re averaging your cost date and to get a good value for what you’re buying.”
Do you have an opinion on panic selling at a loss?
Straight out of the gate, Kevin is a firm believer that anything that involves the word “panic” is never a good thing. Investopedia’s definition of panic selling refers to the sudden, wide-scale selling of a security or securities by a large number of investors, causing a sharp decline in price. We have seen this as a result of the COVID-19 pandemic. Panic selling can be directly related to having an emotional connection to your investment, but to ensure the doom and gloom doesn’t get the better of you, having an objective view allows you to stay logical and stick to your plan. Kevin mentions:
“you have to do whatever you can to pull that emotion back out. Panic selling immediately is focused on the emotional side of it. You have to remove the emotion from investing.”
Not as easy as it sounds right? We are going through an emotionally ramped up time during this pandemic, not to mention dealing with all the other unknown realities of how our economy will bounce back or when the non-essential business will be reopened. Kevin recommends choosing places to move your investments to take the panic out.
“You don’t call a realtor when your house is on fire. That’s where we’re at in the market right now, we know the house is on fire. We don’t know how long it’s going to last, how bad it’s going to be, or what it’s going to look like when it’s put out.”
Can you offer any comment on the fear of more lows, or what are the key indicators that we should be aware of?
We have seen stocks rise over the past week due to economic stimulus measures and the actions being taken to gradually reopen global economies. Experienced investors are forward-thinking individuals, they take into consideration the risk-reward for having objective optimism in certain industries. Kevin encourages to take the view that the rises we have seen are temporary for now, he mentions:
“Know that there’s another drop coming. Know that we don’t know how bad it’s going to be. And we don’t know how long the recovery is going to take. which is why we’re saying it’s going to be 2021 at least before the flooding of the market recovers”
We are expecting a long and slow road to recovery, but finding the bottom line can be almost impossible. Ask yourself, what happens to market optimism if a vaccine is made available tomorrow? Does that mean the market will become flooded with investors? It is impossible to know; by choosing a trusted investment advisor they can assist with taking the emotion out of your investments, and you can lean on their knowledge of markets to offer that objective optimism. For individual investors, it is useful to be aware of the activity in that sector to aid in growing your confidence, or the counter, it may give you key information to avoid a bad buy right now.
How have you been navigating through this time?
Kevin is one of many continuing to work from home during this period of self-isolation. With any new environment carries challenges. He is thankful for Servus Credit Union for the support he has received and the efforts put forward by the whole team. He has been spending some time in the welcomed sunshine playing sports with his 12-year-old son in his driveway.
What has Servus Credit Union been proactively doing to support its customers right now?
Servus Credit Union released their response to COVID-19, issuing kind words to their members that they are here for them during this time. Their CEO, Garth Warner also released a personal letter to all of their members speaking on behalf of the team doing everything they can do to support their members. Kevin mentions:
“Our members are truly members, they’re all owners. Everyone who deals with the credit union holds a piece of the credit union. Right now we’re trying to keep our whole business, our owners, and our members afloat…so whatever we do, is what’s best for us as an organization which means it’s also what’s best for our members”
What are you personally looking forward to after this period of self-isolation?
“I coach sports. Of course every kid’s sport is canceled right now. We lost the end of our sports seasons for the winter, we’re going to miss the beginning of our sports season for the spring. And that’s what I miss most is getting outside with the kids and just having fun.”
If you would like to learn more about Servus Credit Union, Servus Wealth Strategies or Kevin Skinner, visit their website or social links below.
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Europe calls it transparency, but it looks a lot like teaching the internet who’s allowed to speak.
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When the European Commission fined X €120 million on December 5, officials could not have been clearer. This, they said, was not about censorship. It was just about “transparency.”
They repeat it so often you start to wonder why.
The fine marks the first major enforcement of the Digital Services Act, Europe’s new censorship-driven internet rulebook.
It was sold as a consumer protection measure, designed to make online platforms safer and more accountable, and included a whole list of censorship requirements, fining platforms that don’t comply.
The Commission charged X with three violations: the paid blue checkmark system, the lack of advertising data, and restricted data access for researchers.
None of these touches direct content censorship. But all of them shape visibility, credibility, and surveillance, just in more polite language.
Musk’s decision to turn blue checks into a subscription feature ended the old system where establishment figures, journalists, politicians, and legacy celebrities got verification.
The EU called Musk’s decision “deceptive design.” The old version, apparently, was honesty itself. Before, a blue badge meant you were important. After, it meant you paid. Brussels prefers the former, where approved institutions get algorithmic priority, and the rest of the population stays in the queue.
The new system threatened that hierarchy. Now, anyone could buy verification, diluting the aura of authority once reserved for anointed voices.
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However, that’s not the full story. Under the old Twitter system, verification was sold as a public service, but in reality it worked more like a back-room favor and a status purchase.
The main application process was shut down in 2010, so unless you were already famous, the only way to get a blue check was to spend enough money on advertising or to be important enough to trigger impersonation problems.
Ad Age reported that advertisers who spent at least fifteen thousand dollars over three months could get verified, and Twitter sales reps told clients the same thing. That meant verification was effectively a perk reserved for major media brands, public figures, and anyone willing to pay. It was a symbol of influence rationed through informal criteria and private deals, creating a hierarchy shaped by cronyism rather than transparency.
Under the new X rules, everyone is on a level playing field.
Government officials and agencies now sport gray badges, symbols of credibility that can’t be purchased. These are the state’s chosen voices, publicly marked as incorruptible. To the EU, that should be a safeguard.
The second and third violations show how “transparency” doubles as a surveillance mechanism. X was fined for limiting access to advertising data and for restricting researchers from scraping platform content. Regulators called that obstruction. Musk called it refusing to feed the censorship machine.
The EU’s preferred researchers aren’t neutral archivists. Many have been documented coordinating with governments, NGOs, and “fact-checking” networks that flagged political content for takedown during previous election cycles.
They call it “fighting disinformation.” Critics call it outsourcing censorship pressure to academics.
Under the DSA, these same groups now have the legal right to demand data from platforms like X to study “systemic risks,” a phrase broad enough to include whatever speech bureaucrats find undesirable this month.
The result is a permanent state of observation where every algorithmic change, viral post, or trending topic becomes a potential regulatory case.
The advertising issue completes the loop. Brussels says it wants ad libraries to be fully searchable so users can see who’s paying for what. It gives regulators and activists a live feed of messaging, ready for pressure campaigns.
The DSA doesn’t delete ads; it just makes it easier for someone else to demand they be deleted.
That’s how this form of censorship works: not through bans, but through endless exposure to scrutiny until platforms remove the risk voluntarily.
The Commission insists, again and again, that the fine has “nothing to do with content.”
That may be true on a direct level, but the rules shape content all the same. When governments decide who counts as authentic, who qualifies as a researcher, and how visibility gets distributed, speech control doesn’t need to be explicit. It’s baked into the system.
Brussels calls it user protection. Musk calls it punishment for disobedience. This particular DSA fine isn’t about what you can say, it’s about who’s allowed to be heard saying it.
TikTok escaped similar scrutiny by promising to comply. X didn’t, and that’s the difference. The EU prefers companies that surrender before the hearing. When they don’t, “transparency” becomes the pretext for a financial hammer.
The €120 million fine is small by tech standards, but symbolically it’s huge.
It tells every platform that “noncompliance” means questioning the structure of speech the EU has already defined as safe.
In the official language of Brussels, this is a regulation. But it’s managed discourse, control through design, moderation through paperwork, censorship through transparency.
And the louder they insist it isn’t, the clearer it becomes that it is.
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Yakk Stack
(Only 5 Days Left!) Claim Yours Before It’s GONE FOREVER
Hey, all.
Imagine this…you’re slicing into that fresh loaf from Loblaws or just making a Wonder-ful sammich, the one you’ve bought hundreds of times over the years, and suddenly… ka-ching!
A fat check lands in your mailbox.
Not from a lottery ticket, not from a side hustle – from the very store that’s been quietly owing you money for two decades of illegal price fixing.
Sound too good to be true?
It’s real.
It’s court-approved.
And right now, on December 7, 2025, you’ve got exactly 5 days to grab your share before the door slams shut. Don’t let this slip away – keep reading, feel that spark of possibility ignite, and let’s get you paid.
Back in 2001, you were probably juggling work, kids, or just surviving on that weekly grocery run. Little did you know, while you were reaching for the President’s Choice white bread or those golden rolls, Loblaws and their cronies were playing a sneaky game of price-fixing. They jacked up the cost of packaged bread across Canada – every loaf, every bun, every sneaky sandwich slice. For 20 years. From coast to coast to coast.
And now…the courts have spoken. $500 million in settlements to make it right. That’s not pocket change – that’s your money, recycled back into your life.
Given the number of people who will be throwing in a claim…this ain’t gunna be life-changing cash…but also, given the cost of food in Canada, it’s better than sweet fuck all, which you will receive by NOT doing this.
If you’re a Canadian resident (yep, that’s you, unless you’re in Quebec with your own sweet deal), and you’ve ever bought bread for your family – not for resale, just real life – between January 1, 2001, and December 31, 2021… you’re in.
No receipts needed.
No fancy proofs.
Just you, confirming your story, and boom – eligible.
Quick check: Were you under 18 back then?
Or an exec at Loblaw?
Nah, skip it.
But for the rest of us everyday schleps…Jackpot.
Again…the clock’s ticking on this.
Claims opened on September 11, 2025, and slam shut on December 12, 2025.
That’s this Friday.
Payments roll out in 2026, 6-12 months later, straight to your bank or mailbox.
Here’s what you need to do…
- Breathe deep, click → HEREQuebec frens →HERE
- 10 second form that’s completed by your autofill…30 seconds off of a mobile device.
- Hit submit and wait for that sweet cash to hit your account.
Again…this won’t be life saving money and most certainly ain’t gunna hit your account before Christmas.
And before you go out an Griswald yourself into a depost on pool in the backyard…you may only end up with enough cash for the Jam-of-the-Month…the gift that truly does give, all year round…just be a little patient.
If you end up with a couple of backyard steaks in time for summer…
Some treats for the children or grandchildren…
Maybe just a donation to the foodbank…
This is what’s owed to you. Your neighbors. Friends. Family.
Take advantage!
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