Q: Good afternoon. GSY is struggling a bit lately but so is the rest of the market. I read an article that said GSY has high debt levels that are not well covered by cash flow. This got me wondering why does GSY have high debt levels and where does it get its money to lend? If they borrow to raise money to lend and rates drop could they not get into a squeeze where the margin between money they loan out and loans they have to reply narrows?
        
    
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                                                                                                    Investment Q&A
Not investment advice or solicitation to buy/sell securities. Do your own due diligence and/or consult an advisor.
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                             Intact Financial Corporation (IFC $259.41) Intact Financial Corporation (IFC $259.41)
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                             goeasy Ltd. (GSY $167.10) goeasy Ltd. (GSY $167.10)
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                             Propel Holdings Inc. (PRL $24.89) Propel Holdings Inc. (PRL $24.89)
            Q: It seems possible that interest rates will be higher for longer, triggering flat or recessionary economy. How would you assess prospects for these 3 fintechs in this environment. Are there any that are vulnerable?
        
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                             Celestica Inc. (CLS $475.87) Celestica Inc. (CLS $475.87)
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                             Kinaxis Inc. (KXS $168.66) Kinaxis Inc. (KXS $168.66)
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                             goeasy Ltd. (GSY $167.10) goeasy Ltd. (GSY $167.10)
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                             TerraVest Industries Inc. (TVK $131.97) TerraVest Industries Inc. (TVK $131.97)
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                             Hammond Power Solutions Inc. Class A Subordinate Voting Shares (HPS.A $205.50) Hammond Power Solutions Inc. Class A Subordinate Voting Shares (HPS.A $205.50)
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                             Vitalhub Corp. (VHI $10.90) Vitalhub Corp. (VHI $10.90)
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                             WELL Health Technologies Corp. (WELL $5.21) WELL Health Technologies Corp. (WELL $5.21)
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                             ADF Group Inc. Subordinate Voting Shares (DRX $7.25) ADF Group Inc. Subordinate Voting Shares (DRX $7.25)
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                             Propel Holdings Inc. (PRL $24.89) Propel Holdings Inc. (PRL $24.89)
            Q: Can you rank in order the top 10 small caps that you feel have the most potential over the next 6 months and provide a quick statement on why each is included?
        
    
            Q: Which one is a better buy ?  The PE of PRL  is so much higher than GSY.  Thanks a million.
        
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                             goeasy Ltd. (GSY $167.10) goeasy Ltd. (GSY $167.10)
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                             TerraVest Industries Inc. (TVK $131.97) TerraVest Industries Inc. (TVK $131.97)
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                             Hammond Power Solutions Inc. Class A Subordinate Voting Shares (HPS.A $205.50) Hammond Power Solutions Inc. Class A Subordinate Voting Shares (HPS.A $205.50)
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                             Aspen Aerogels Inc. (ASPN $7.53) Aspen Aerogels Inc. (ASPN $7.53)
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                             ADF Group Inc. Subordinate Voting Shares (DRX $7.25) ADF Group Inc. Subordinate Voting Shares (DRX $7.25)
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                             Cellebrite DI Ltd. (CLBT $17.17) Cellebrite DI Ltd. (CLBT $17.17)
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                             Propel Holdings Inc. (PRL $24.89) Propel Holdings Inc. (PRL $24.89)
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                             Lumine Group Inc. (LMN $33.06) Lumine Group Inc. (LMN $33.06)
            Q: In what order would you rank these stocks today for growth.What would you consider a good entry price for each?
        
    
            Q: Hi, 
Both gsy and PRL seem to be similar businesses to me, although gsy is a lot bigger and more established. Which one would you figure is going to show more overall growth in the next 2-3 years? Thank you for your excellent service!
        
    Both gsy and PRL seem to be similar businesses to me, although gsy is a lot bigger and more established. Which one would you figure is going to show more overall growth in the next 2-3 years? Thank you for your excellent service!
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                             Booking Holdings Inc. (BKNG $5,080.21) Booking Holdings Inc. (BKNG $5,080.21)
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                             Celestica Inc. (CLS $475.87) Celestica Inc. (CLS $475.87)
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                             goeasy Ltd. (GSY $167.10) goeasy Ltd. (GSY $167.10)
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                             TerraVest Industries Inc. (TVK $131.97) TerraVest Industries Inc. (TVK $131.97)
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                             Hammond Power Solutions Inc. Class A Subordinate Voting Shares (HPS.A $205.50) Hammond Power Solutions Inc. Class A Subordinate Voting Shares (HPS.A $205.50)
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                             Ulta Beauty Inc. (ULTA $509.66) Ulta Beauty Inc. (ULTA $509.66)
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                             Crocs Inc. (CROX $82.54) Crocs Inc. (CROX $82.54)
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                             Celsius Holdings Inc. (CELH $60.13) Celsius Holdings Inc. (CELH $60.13)
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                             Propel Holdings Inc. (PRL $24.89) Propel Holdings Inc. (PRL $24.89)
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                             TransMedics Group Inc. (TMDX $135.79) TransMedics Group Inc. (TMDX $135.79)
            Q: What are your best ideas 5 in Canada and 5 in USA over next 2 to 3 years for capital appreciation ? Thank you RAK
        
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                             Amazon.com Inc. (AMZN $222.86) Amazon.com Inc. (AMZN $222.86)
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                             Alphabet Inc. (GOOG $281.90) Alphabet Inc. (GOOG $281.90)
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                             Intuitive Surgical Inc. (ISRG $530.02) Intuitive Surgical Inc. (ISRG $530.02)
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                             Microsoft Corporation (MSFT $525.76) Microsoft Corporation (MSFT $525.76)
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                             Constellation Software Inc. (CSU $3,586.89) Constellation Software Inc. (CSU $3,586.89)
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                             Thomson Reuters Corporation (TRI $216.17) Thomson Reuters Corporation (TRI $216.17)
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                             Alimentation Couche-Tard Inc. (ATD $70.70) Alimentation Couche-Tard Inc. (ATD $70.70)
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                             goeasy Ltd. (GSY $167.10) goeasy Ltd. (GSY $167.10)
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                             Berkshire Hathaway Inc. (BRK.B $478.52) Berkshire Hathaway Inc. (BRK.B $478.52)
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                             Brookfield Corporation Class A Limited Voting Shares (BN $64.03) Brookfield Corporation Class A Limited Voting Shares (BN $64.03)
            Q: What are the best 5 Canadian and US growth stocks at current valuations to hold forever…and you can still sleep at night?
Thanks
    Thanks
            Q: Is it fathomable that GSY could one day expand operations to become a Prime Lender as well? What about a merger with Laurentian Bank who recently put itself up for sale? Interested in your opinion. Thanks
        
    
            Q: Every financial stock is rising, while GSY keep dropping  recently. Any reason ?
        
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                             goeasy Ltd. (GSY $167.10) goeasy Ltd. (GSY $167.10)
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                             Converge Technology Solutions Corp. (CTS $5.99) Converge Technology Solutions Corp. (CTS $5.99)
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                             GigaCloud Technology Inc (GCT $27.37) GigaCloud Technology Inc (GCT $27.37)
            Q: All three companies came out with decent financials and all are down significantly with these results. GSY was the best and it is down 7 dollars. What if they had been bad results. Seems like you cant win in this enviornment. I feel like cashing out everything and waiting. This was also during very good trading days after the collapse. Does this sound wise because of an impending slowdown.
        
    
            Q: Hi Team,
I am watching Gsy shares fall after beating on earnings. Any idea why the shares are selling off after what seems to be great results? Also ; has there been any speculation yet of who will get the new CEO role? And also do you feel it’s possible Mullins is leaving due to a possible upcoming “taking private “ of the company? I found it odd for him to leave at this stage just when Gsy seems to be growing its scale at an exponential rate. Thanks
Shane
    I am watching Gsy shares fall after beating on earnings. Any idea why the shares are selling off after what seems to be great results? Also ; has there been any speculation yet of who will get the new CEO role? And also do you feel it’s possible Mullins is leaving due to a possible upcoming “taking private “ of the company? I found it odd for him to leave at this stage just when Gsy seems to be growing its scale at an exponential rate. Thanks
Shane
            Q: Can you offer any insight to the markets reaction to GSY earnings?I thought they were very good results various analysts seem to agree….
        
    
            Q: what did you think about latest earnings? They seemed good to me, executing well.
        
    
            Q: What are the predicted numbers for Q2? 
        
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                             Apple Inc. (AAPL $271.40) Apple Inc. (AAPL $271.40)
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                             Costco Wholesale Corporation (COST $918.88) Costco Wholesale Corporation (COST $918.88)
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                             Microsoft Corporation (MSFT $525.76) Microsoft Corporation (MSFT $525.76)
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                             NVIDIA Corporation (NVDA $202.89) NVIDIA Corporation (NVDA $202.89)
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                             Eli Lilly and Company (LLY $844.50) Eli Lilly and Company (LLY $844.50)
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                             Walmart Inc. (WMT $102.23) Walmart Inc. (WMT $102.23)
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                             Fairfax Financial Holdings Limited Subordinate Voting Shares (FFH $2,278.03) Fairfax Financial Holdings Limited Subordinate Voting Shares (FFH $2,278.03)
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                             Constellation Software Inc. (CSU $3,586.89) Constellation Software Inc. (CSU $3,586.89)
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                             ARC Resources Ltd. (ARX $25.79) ARC Resources Ltd. (ARX $25.79)
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                             Tourmaline Oil Corp. (TOU $60.40) Tourmaline Oil Corp. (TOU $60.40)
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                             goeasy Ltd. (GSY $167.10) goeasy Ltd. (GSY $167.10)
            Q: Hi Group i am treating the above stocks as core positions. I am concerned that some of the list are taking big hits so should i take profits while there is still some $ left in the black . FFH is an example where my  profits was 40% now less than 10% ? (this is my worst performer so please answer specifically what you suggest buy, sell or hold).   . Please advise if I should take some profits or just ride it out. List in order of preference...Buy sell ,or hold  Thanks for your thoughts on this dilemma 
        
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                             Alphabet Inc. (GOOG $281.90) Alphabet Inc. (GOOG $281.90)
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                             NVIDIA Corporation (NVDA $202.89) NVIDIA Corporation (NVDA $202.89)
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                             Eli Lilly and Company (LLY $844.50) Eli Lilly and Company (LLY $844.50)
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                             goeasy Ltd. (GSY $167.10) goeasy Ltd. (GSY $167.10)
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                             Brookfield Corporation Class A Limited Voting Shares (BN $64.03) Brookfield Corporation Class A Limited Voting Shares (BN $64.03)
            Q: If I had a little cash today to buy in my RRSP, which has a ten year horizon and generally follows your balanced portfolio, what would you think would be a good name to purchase based on todays activity?
        
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                             Energulf Resources (ENG) Energulf Resources (ENG)
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                             Apple Inc. (AAPL $271.40) Apple Inc. (AAPL $271.40)
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                             Costco Wholesale Corporation (COST $918.88) Costco Wholesale Corporation (COST $918.88)
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                             Meta Platforms Inc. (META $666.47) Meta Platforms Inc. (META $666.47)
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                             Microsoft Corporation (MSFT $525.76) Microsoft Corporation (MSFT $525.76)
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                             NVIDIA Corporation (NVDA $202.89) NVIDIA Corporation (NVDA $202.89)
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                             Eli Lilly and Company (LLY $844.50) Eli Lilly and Company (LLY $844.50)
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                             Walmart Inc. (WMT $102.23) Walmart Inc. (WMT $102.23)
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                             Zoetis Inc. Class A (ZTS $143.60) Zoetis Inc. Class A (ZTS $143.60)
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                             Loblaw Companies Limited (L $55.19) Loblaw Companies Limited (L $55.19)
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                             Fairfax Financial Holdings Limited Subordinate Voting Shares (FFH $2,278.03) Fairfax Financial Holdings Limited Subordinate Voting Shares (FFH $2,278.03)
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                             Constellation Software Inc. (CSU $3,586.89) Constellation Software Inc. (CSU $3,586.89)
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                             Tourmaline Oil Corp. (TOU $60.40) Tourmaline Oil Corp. (TOU $60.40)
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                             WSP Global Inc. (WSP $272.23) WSP Global Inc. (WSP $272.23)
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                             TFI International Inc. (TFII $122.13) TFI International Inc. (TFII $122.13)
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                             Shopify Inc. Class A Subordinate Voting Shares (SHOP $242.95) Shopify Inc. Class A Subordinate Voting Shares (SHOP $242.95)
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                             goeasy Ltd. (GSY $167.10) goeasy Ltd. (GSY $167.10)
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                             iShares Russell 2000 Growth ETF (IWO $327.37) iShares Russell 2000 Growth ETF (IWO $327.37)
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                             BMO Equal Weight US Banks Hedged to CAD Index ETF (ZUB $33.93) BMO Equal Weight US Banks Hedged to CAD Index ETF (ZUB $33.93)
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                             Hammond Power Solutions Inc. Class A Subordinate Voting Shares (HPS.A $205.50) Hammond Power Solutions Inc. Class A Subordinate Voting Shares (HPS.A $205.50)
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                             INVESCO QQQ Trust (QQQ $626.05) INVESCO QQQ Trust (QQQ $626.05)
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                             Topicus.com Inc. (TOI $132.09) Topicus.com Inc. (TOI $132.09)
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                             ARCpoint Inc. (ARC $0.02) ARCpoint Inc. (ARC $0.02)
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                             Brookfield Corporation Class A Limited Voting Shares (BN $64.03) Brookfield Corporation Class A Limited Voting Shares (BN $64.03)
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                             Brookfield Asset Management Ltd. Class A Limited Voting Shares (BAM $75.09) Brookfield Asset Management Ltd. Class A Limited Voting Shares (BAM $75.09)
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                             Lumine Group Inc. (LMN $33.06) Lumine Group Inc. (LMN $33.06)
            Q: Hi group in what order would you add Regardless of sector to the above stocks that i presently own + would you wait after the big drop in the markets today or slowly average in 
also what your general thoughts (short comment will suffice) on the markets going fwd
    also what your general thoughts (short comment will suffice) on the markets going fwd
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                             Element Fleet Management Corp. (EFN $37.60) Element Fleet Management Corp. (EFN $37.60)
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                             goeasy Ltd. (GSY $167.10) goeasy Ltd. (GSY $167.10)
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                             iShares S&P U.S. Mid-Cap Index ETF (CAD-Hedged) (XMH $28.54) iShares S&P U.S. Mid-Cap Index ETF (CAD-Hedged) (XMH $28.54)
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                             BMO S&P US Small Cap Index ETF (ZSML $43.66) BMO S&P US Small Cap Index ETF (ZSML $43.66)
            Q: Hi Peter,
This is for a TFSA account.
Option 1 - start a position in either EFN or GSY.
Option 2 - start a position in either ZSML or XMH.
Which would you choose of the two options and which stock/ETF for the highest growth for 10 years?
    This is for a TFSA account.
Option 1 - start a position in either EFN or GSY.
Option 2 - start a position in either ZSML or XMH.
Which would you choose of the two options and which stock/ETF for the highest growth for 10 years?
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                             Enbridge Inc. (ENB $65.71) Enbridge Inc. (ENB $65.71)
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                             Canadian Natural Resources Limited (CNQ $44.67) Canadian Natural Resources Limited (CNQ $44.67)
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                             Brookfield Renewable Partners L.P. (BEP.UN $42.22) Brookfield Renewable Partners L.P. (BEP.UN $42.22)
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                             Colliers International Group Inc. Subordinate Voting Shares (CIGI $223.61) Colliers International Group Inc. Subordinate Voting Shares (CIGI $223.61)
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                             FirstService Corporation (FSV $218.59) FirstService Corporation (FSV $218.59)
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                             TMX Group Limited (X $49.92) TMX Group Limited (X $49.92)
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                             Open Text Corporation (OTEX $52.96) Open Text Corporation (OTEX $52.96)
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                             Alimentation Couche-Tard Inc. (ATD $70.70) Alimentation Couche-Tard Inc. (ATD $70.70)
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                             Premium Brands Holdings Corporation (PBH $95.42) Premium Brands Holdings Corporation (PBH $95.42)
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                             goeasy Ltd. (GSY $167.10) goeasy Ltd. (GSY $167.10)
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                             Hydro One Limited (H $51.78) Hydro One Limited (H $51.78)
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                             TECSYS Inc. (TCS $35.51) TECSYS Inc. (TCS $35.51)
            Q: Could you tell us what 5I's opinion is of the top two Canadian dividend  growing companies in the last 10 years in the following sectors are:
- Consumer Staples, Information Technologies, Utilities, Energy, Real Estate and Financials
My 5I subscription is paying invaluable knowledge,
Jim
    - Consumer Staples, Information Technologies, Utilities, Energy, Real Estate and Financials
My 5I subscription is paying invaluable knowledge,
Jim
 
                             
                             
                    