100% the most genuine person on TH-cam since the day you started. Clearly both you and Allie were raised with amazing values and while you like the glam and luxury you clearly are so smart about your money and care more about your family and friends then new handbags.
Thanks for sharing your comments make a note to my trusted trader Mr Juan, to help you make more profit in bitcoin and crypto + 1 5 8 5 3 8 6 3 6 2 0 His strategic are top notch
So let me just say that you’ve become one of my favorite you tubers that I watch. Over the last few months I started your channel from the beginning to sort of see you grow and I think for your age you are extremely mature and seem very genuine and sweet! It was SO sweet when you started getting emotional about your sister. Ignore the haters, you’ll never please everyone. And keep growing as you have been! Thanks for being a pleasure to watch!
I love how you’re such a humble person. You’ve got it all going on; the brains, the beauty, the talent, the personality but are so down to earth. Also, I totally get what you’re saying about asking for things for Christmas that you don’t want to buy for yourself. I asked for a glass Tupperware set 😂
I work for a fee only financial advisor and I’m so impressed with you’re understanding of the markets. Not a lot of people, especially the beauty side of TH-cam (understandably), talk about investing. I personally invest in index funds😊
What Toni is saying is 1000% correct and the mentality of Warren Buffet & all other incredibly wealthy investors in the world. If you have worked in financial institutions you are most likely blinded by the truth into believed mutual funds is the way to go, it is not. Toni is right and you will be VERY grateful that she shared this information with you if you choose to listen to her recommendations (which I HIGHLY encourage you do). Love this video xo
First let me say that my wife put me onto this video due to the finance topics. Speaking from our experience with investing: 1. Save money, stop spending on crap. Until you have enough to get involved in the Capital Markets. 1a. If you work a full time job and have a decent salary, RRSP first before TFSA for the tax deduction. And if you live in Canada, better to stick to stocks on the TMX that pay dividends due to the tax credit and not dealing with US dividends.(starting out, you don't have enough money to reach south anyways) 2. Invest in safe interest bearing GIC or HISA until you learn, then LEARN,LEARN LEARN some more. 3. We then started with individual Large/Mega Cap dividend paying stocks, DRIP in registered accounts and took dividends in cash in non-registered accounts. (ETFs, Mutual funds both have fees that are far more than commissions,you can build the same investment for less) Why own the whole index when the majority of stocks are not worth owning) 4.We LEARNED the derivative Options market (then starting selling Covered Calls to supplement our dividend income) 5. Continue learning..... and you will see where the real money is made in this world, Selling Naked Call/Put option premium. After lots of learning and practice in a test account, hit the Chicago Options market, but this is not for rookies! Our journey has been over the last 30 years. There are lots of tutorial videos on youtube about this topic, it will take years to learn, but so what, most kids go to school for 4 years of University before earning a single dollar in their specific field. Be patient. Take the time and LEARN, but you have to be good with numbers. As for the young lady speaking in this video, decent beginner advice, but there are safer and more profitable ways to make more than the benchmark, but it doesn't come from Mutual funds or ETFs. Any questions.... just ask.
I normally don’t comment on videos but yours always bring me so much joy and actual learning!! Thank you for sharing your insight on finances, not a lot of people do and it’s so appreciated ❤️
So I was having a down moment thinking about starting my own TH-cam. Just laying in my bed in the dark and all of the sudden I heard you talking which was weird I recognized your voice but I haven’t heard in awhile because I haven’t watched any TH-cam for around a month or longer. I guess somehow my phone just started playing this video because I have the bell on your channel turned on so I get all your post notifications!!! I think it’s the worlds way of showing me a strong confident business woman and that I too am capable of this! It’s ALL want to do! I’m glad to see I’m not the only one left in the world that doesn’t like weed. I freak out in my head every time I’ve ever tried it lol it’s the worst lol Im jealous it works so well for so many haha. As long as it makes them happy that’s great! Love you 💗💕💗
Love this video Toni! Thanks for being so transparent and please give all the best to Allie. I am hoping she comes back to TH-cam too, miss her videos so much.
I don’t live in Canada but I work for a financial institution in the US. Everyone (aka people in EARLY 20s! I’m talking to you!) needs to have a 401k or ROTH - especially if the company you work for MATCHES a certain percentage. Thank Toni for making a video like this!! Please don’t pass up! Make a savings account!!!! Also, please please invest in the stock market. College and HS didn’t teach me ANYTHING. Also, do NOT over spend by watching every haul video on YT. I get that Toni is doing her job here and making us look all cute, but please spend responsibly!!
Also, Toni... just FYI there's usually a bunch of spammers who come into the comment section of financial videos to offer "advising" help and lure in people to "buy" their product by asking sensitive info. I've seen it on other financial video channels and although this is a Q&A about other things, I just want to give you a heads up and to our viewers so their sensitive information is not shared! xoxo
i had such a bad time with my copper IUD. I had HEAVY bleeding and bad cramps. I removed it in spring 2020 and it was the best decision ever!! My cramps are gone and my flow is light like it used to be.
I love this sit down type of videos! You are so down to earth and are such a good role model for women to look up to! I absolutely love your channel and enjoy each of your videos ♥️
Wow I had no idea about how people treated Allie 💔 I miss her. I hope she's doing well. I understand if she doesn't come back to YT, but I hope she does 💖
love that you speak on investing! my boyfriend has taught me a lot but it's so encouraging to see other women with influence encouraging women to not be scared and GET THAT BREAD GET THAT HEAD THEN LEAVE
First time I ever understand the “investment talk”!! So many people before have tried to explain it to me, but girl you’re the only one that made sense to me ❤️
Toni, you are so amazing in so many different aspects. I respect you for always being so real, inspiring, and spreading positivity. You and Allie are rare beauties. Keep on shining girl! X 🖤
I loved this!! I felt like I was at my best friends living room just chatting about life lol! Wishing you happy holidays! Tell your sissy we love and support her too!!! ♥️
Love this video toni I literally feel like you're such a good friend of mine who's sitting and speaking to me! This is the vibe TH-camrs should be giving out ❤
You are just the sweetest person and I wish we were friends irl haha girl we'd get along but for real I appreciate how open you are and intelligent about many different topics. Love!
Loved this video! Thanks for all the financial advice I’ve really been looking into this recently! Also you’re looking beautiful as always!! And yess I truly miss your sister making videos ♥️
TONI, you are literally goals!! Literally so f*cling beautiful 🙌🏼 with or WITHOUT makeup 😍 just wanted to say that before I continue watching! Every time I see you upload I get so excited your videos are always worth the watch 💜 thank you for being so upfront/honest and literally just YOU. I subscribed to your channel because I love how REAL you are.
Covid really help for all the stock to sky rock that was a perfect time to start / hold shares into the stock market 👍 Really happy to see that kind of content ! 😀
Questrade sister!!! I started with that ;) So important to speak about investing! And the French part is sooo mignon! That's eveyone says about the ''Québécois Accent'' We speak too fast. Great video.
For anyone curious about mutual fund management fees vs ETF fees, it could be 3% vs 0.03%. That's a huge difference, think of paying $3 for every $100 invested vs $3 for every $10000 invested. There are also online discount brokerages such as Wealthsimple trade and questrade for Canadians to invest in. It'll be cheaper than doing it thru your bank or financial advisor
Just keep in mind, that with some learning, you can build a decent portfolio for one time commissions while you collect dividends and get a tax credit (Canada).
Girl!!! Your talk about finances is amazing! It's great to make it aware for those who don't know what to do especially for the younger generation! Great job! 👏🏼💕
Wow I’m 23 and am so glad i came across this , really cleared some of the confusion i had about it . Getting ready to invest in my first stock soon w my first $100 from work, wish me luck
I love how open minded you are about investing, I read an article of investors that made good money within few months from shorting, so please I'd really love more tips and clues on how to outperform the market and make such profit using options
The entire stock market is the place to be. Health and travel stocks set to skyrocket pending on covid-19, so that's not great but good too. Smart money is exiting to assets and dumb money is holding on to cash savings.
Using Mrs Amanda’s strategy, making direct profit withdrawals is guaranteed; just search her name online Amanda Katherine Leff using google,check out her stock website for information concerning her services, Then mail her directly for guidance.
Is there a specific reason why you decided to invest through QuesTrade and not WealthSimple ? Curious to know :) thanks for this video, you explained everything really well !
Thank you for talking about investing and finances, it can be so intimidating for young women especially! I’ve always admired you, ever since you were going to uni for accounting/finance.
Love 💘, so much and hope everything is going well for you and your Christmas tree is decorated so beautifully and God bless you and stay safe and healthy and Merry Christmas and Happy New Year to you and your family. Love 💘, 💘
US equivalents: TFSA=Roth IRA, RRSP=IRA. Roth is the way to go because you’ll pay less in taxes now than you will when you’re older! You’re on point!
I love women talking about finances and getting into the stock game! Great video, Toni!
I’m so happy that a Canadian is doing this. I follow so many American finance TH-camrs and honestly, it made me confused
Can you please list some of those American finance TH-camrs? I need to follow more!!
100% the most genuine person on TH-cam since the day you started. Clearly both you and Allie were raised with amazing values and while you like the glam and luxury you clearly are so smart about your money and care more about your family and friends then new handbags.
Perfectly said!! Toni the most realest you tuber out there
We love Toni 😩 such an underrated channel and she’s always so honest and helpful to her subscribers! 💕💕
2021 goal is to start investing 🌱
Thanks for sharing your comments
make a note to my trusted trader Mr Juan, to help you make more profit in bitcoin and crypto
+ 1 5 8 5 3 8 6 3 6 2 0
His strategic are top notch
Reach him on WhatsApp
2021 goal is to start LEARNING.
can we get a hair care routine? I love your hair, its so shiny and looks so healthy!
You’ve seemed sincere and transparent from the beginning and I think that’s the big differential of your channel in this community. Love this video!
So let me just say that you’ve become one of my favorite you tubers that I watch. Over the last few months I started your channel from the beginning to sort of see you grow and I think for your age you are extremely mature and seem very genuine and sweet! It was SO sweet when you started getting emotional about your sister. Ignore the haters, you’ll never please everyone. And keep growing as you have been! Thanks for being a pleasure to watch!
I appreciate you addressing the fear to use money in the stock market!
You are so blessed to have your stuff together at 23!!! You are goals! 🥰🥰🥰
Allie please come back don’t give up on those who have been watching since the beginning ❤️
I love how you’re such a humble person. You’ve got it all going on; the brains, the beauty, the talent, the personality but are so down to earth. Also, I totally get what you’re saying about asking for things for Christmas that you don’t want to buy for yourself. I asked for a glass Tupperware set 😂
I work for a fee only financial advisor and I’m so impressed with you’re understanding of the markets. Not a lot of people, especially the beauty side of TH-cam (understandably), talk about investing. I personally invest in index funds😊
What Toni is saying is 1000% correct and the mentality of Warren Buffet & all other incredibly wealthy investors in the world. If you have worked in financial institutions you are most likely blinded by the truth into believed mutual funds is the way to go, it is not. Toni is right and you will be VERY grateful that she shared this information with you if you choose to listen to her recommendations (which I HIGHLY encourage you do). Love this video xo
First let me say that my wife put me onto this video due to the finance topics. Speaking from our experience with investing:
1. Save money, stop spending on crap. Until you have enough to get involved in the Capital Markets.
1a. If you work a full time job and have a decent salary, RRSP first before TFSA for the tax deduction. And if you live in Canada, better to stick to stocks on the TMX that pay dividends due to the tax credit and not dealing with US dividends.(starting out, you don't have enough money to reach south anyways)
2. Invest in safe interest bearing GIC or HISA until you learn, then LEARN,LEARN LEARN some more.
3. We then started with individual Large/Mega Cap dividend paying stocks, DRIP in registered accounts and took dividends in cash in non-registered accounts. (ETFs, Mutual funds both have fees that are far more than commissions,you can build the same investment for less) Why own the whole index when the majority of stocks are not worth owning)
4.We LEARNED the derivative Options market (then starting selling Covered Calls to supplement our dividend income)
5. Continue learning..... and you will see where the real money is made in this world, Selling Naked Call/Put option premium. After lots of learning and practice in a test account, hit the Chicago Options market, but this is not for rookies! Our journey has been over the last 30 years. There are lots of tutorial videos on youtube about this topic, it will take years to learn, but so what, most kids go to school for 4 years of University before earning a single dollar in their specific field. Be patient. Take the time and LEARN, but you have to be good with numbers.
As for the young lady speaking in this video, decent beginner advice, but there are safer and more profitable ways to make more than the benchmark, but it doesn't come from Mutual funds or ETFs.
Any questions.... just ask.
Girl I could watch you talk about finance all day
I normally don’t comment on videos but yours always bring me so much joy and actual learning!! Thank you for sharing your insight on finances, not a lot of people do and it’s so appreciated ❤️
So I was having a down moment thinking about starting my own TH-cam. Just laying in my bed in the dark and all of the sudden I heard you talking which was weird I recognized your voice but I haven’t heard in awhile because I haven’t watched any TH-cam for around a month or longer. I guess somehow my phone just started playing this video because I have the bell on your channel turned on so I get all your post notifications!!! I think it’s the worlds way of showing me a strong confident business woman and that I too am capable of this! It’s ALL want to do! I’m glad to see I’m not the only one left in the world that doesn’t like weed. I freak out in my head every time I’ve ever tried it lol it’s the worst lol Im jealous it works so well for so many haha. As long as it makes them happy that’s great! Love you 💗💕💗
Seriously teared up when you started talking about your sister, reminds me of the bond that me and my sister have! Love you 💗💗
you definitely have my respect! Not a lot of youtubers in the beauty space have your morals and I see them constantly taking PR and making content.
Yessss!!! 👏 👏 👏 Toni is a financially smart person.
It’s so hard to find good financial advising videos for Canadians.Thank you for this video!🇨🇦🇨🇦🇨🇦🇨🇦🇨🇦🇨🇦
Love this video Toni! Thanks for being so transparent and please give all the best to Allie. I am hoping she comes back to TH-cam too, miss her videos so much.
Canada represent! It's lovely to have a prospective I am used to. Thanks Toni and happy holidays! 🥰
I don’t live in Canada but I work for a financial institution in the US. Everyone (aka people in EARLY 20s! I’m talking to you!) needs to have a 401k or ROTH - especially if the company you work for MATCHES a certain percentage. Thank Toni for making a video like this!! Please don’t pass up! Make a savings account!!!! Also, please please invest in the stock market. College and HS didn’t teach me ANYTHING. Also, do NOT over spend by watching every haul video on YT. I get that Toni is doing her job here and making us look all cute, but please spend responsibly!!
Also, Toni... just FYI there's usually a bunch of spammers who come into the comment section of financial videos to offer "advising" help and lure in people to "buy" their product by asking sensitive info. I've seen it on other financial video channels and although this is a Q&A about other things, I just want to give you a heads up and to our viewers so their sensitive information is not shared! xoxo
i had such a bad time with my copper IUD. I had HEAVY bleeding and bad cramps. I removed it in spring 2020 and it was the best decision ever!! My cramps are gone and my flow is light like it used to be.
I love this sit down type of videos! You are so down to earth and are such a good role model for women to look up to! I absolutely love your channel and enjoy each of your videos ♥️
Wow I had no idea about how people treated Allie 💔 I miss her. I hope she's doing well. I understand if she doesn't come back to YT, but I hope she does 💖
WOW finance at McGill! Thats amazing and its so nice hearing from a canadian youtuber about the importance of investing!! plz do more of these
toni your channel has always felt like a warm hug to me and you’re like a big sister to me thank you for being one of my safe spaces i love u 💖
love that you speak on investing! my boyfriend has taught me a lot but it's so encouraging to see other women with influence encouraging women to not be scared and GET THAT BREAD GET THAT HEAD THEN LEAVE
I respect you so much for not only endorsing things that companies send you, but actually on things you purchase yourself
This was so informative! Please do more videos like this! This is literally stuff we NEED to know but no one ever taught us!
First time I ever understand the “investment talk”!! So many people before have tried to explain it to me, but girl you’re the only one that made sense to me ❤️
I have ZERO clue about investing 😅 glad you did this video!! 💰
The US equivalent seems like
TFSA=Roth IRA
RRSP=401k
Thank you!
Bless you for this 🙏 I'm Canadian and when I saw another comment I was like 👀 whaaa
You’re my BFF in my head lol let’s talk stocks!!!! I’m soooo obsessed with investing
You literally have the best personality.
Any tips for new youtubers in future videos?
Toni, you are so amazing in so many different aspects. I respect you for always being so real, inspiring, and spreading positivity. You and Allie are rare beauties. Keep on shining girl! X 🖤
Honestly I loved this video! I’ve been wanting to invest for a long time but I’m never sure of where to start. Thanks for the inspo!
I loved this!! I felt like I was at my best friends living room just chatting about life lol! Wishing you happy holidays! Tell your sissy we love and support her too!!! ♥️
Thank you for explaining stocks/investing you make it easier to understand and less intimidating!! Love your videos 💞
I hope you do more of these long format q&a's, it was really helpful to learn about investing! Sending love from a fellow Canadian
Love this video toni I literally feel like you're such a good friend of mine who's sitting and speaking to me! This is the vibe TH-camrs should be giving out ❤
More of these videos please! Not that many influencers are using their platform for this topic. I wonder why? 🤔 Thank you for the great content. 👏🏻🙏🏻
We certainly did learn a lot more from you ! I love watching you always enjoy your content 💜💕
You are just the sweetest person and I wish we were friends irl haha girl we'd get along but for real I appreciate how open you are and intelligent about many different topics. Love!
Toni! Girl....another great video. Can you give any tips on starting a TH-cam channel?
Thank you for this personal Q&A Toni 🥺🥺 you’re literally the best. Happy holidays! 🖤
Omg You are the second person I follow to tell me to read the book unshakeable !!! I HAVE to get it now !! And your shimmy dance was amazing !!
Love you so much Toni ❤️❤️ this video was super informative! I would love to see another series on investing
A lot of common sense wrapped in one video.. What a GIFT! Thank you - also miss Allie - sending love to you both xo
You're such a beautiful person, inside and out !
Your knowledge on stocks makes you so much more attractive and not in a physical way, which is a good thing because you have both ❤️
OMG I'm obsessed with the investing talk!! More please!!!
Even tho this wasn't bad. If you want more investment talk you have to go to other youtube users. I have watch my share.
Loved this video! Thanks for all the financial advice I’ve really been looking into this recently! Also you’re looking beautiful as always!! And yess I truly miss your sister making videos ♥️
I can watch her all day!!! Love the long videos
awww so sad. ur sister was my favorite. definitely miss her, i hope she doesn’t let it get to her and she comes back!!
It's great to see women like me making it big in the stock market all over the world 😍
YES I LOVE A PERSONAL FINANCE QUEEN!!!👑👑👑 I would love more videos like this!
Can you do a video about bunion surgery, or if you got it done!?
Wow, investing in SIMPLE terms! THANK YOU ❤️
You’re literally goals and an inspiration🥰
♥️♥️
TONI, you are literally goals!!
Literally so f*cling beautiful 🙌🏼 with or WITHOUT makeup 😍 just wanted to say that before I continue watching!
Every time I see you upload I get so excited your videos are always worth the watch 💜 thank you for being so upfront/honest and literally just YOU. I subscribed to your channel because I love how REAL you are.
Loved watching this. You seem like such a well rounded girl
Covid really help for all the stock to sky rock that was a perfect time to start / hold shares into the stock market 👍 Really happy to see that kind of content ! 😀
aww you are so genuine Toni! what a lovely video
You’re such an inspiration, love what you’re doing!
I have been waiting for this!! Need to know how you invest especially
That won't bother you if you trade with a professional like Mr Juan
I've always been interested in investing this way. Thank you so much for sharing. XOXO❤❤❤
Questrade sister!!! I started with that ;) So important to speak about investing! And the French part is sooo mignon! That's eveyone says about the ''Québécois Accent'' We speak too fast. Great video.
Loved this informative video ❤️ can I ask which bank you’re with?
Loved this video!!
What lip gloss are you wearing? Love it!!
Loved this video, thanks for being so open Toni! You seriously helped me a lot, and encouraged me to start saving!!!
hi toni can u make a video on how to start a business in canada? sellers permit? business name registration? thank u
Such an important topic that isn't taught in school or talked about nearly enough👏👏👏
Best 31 mins ever !! Loved this 💘
♥️
For anyone curious about mutual fund management fees vs ETF fees, it could be 3% vs 0.03%. That's a huge difference, think of paying $3 for every $100 invested vs $3 for every $10000 invested. There are also online discount brokerages such as Wealthsimple trade and questrade for Canadians to invest in. It'll be cheaper than doing it thru your bank or financial advisor
Just keep in mind, that with some learning, you can build a decent portfolio for one time commissions while you collect dividends and get a tax credit (Canada).
I love when you talk about finances, please keep doing these I love your advice!
Great video Toni!
What lip combo are you wearing here?
I could listen hours to you 🧡 Love the strong opinion and morals you have.
Such an amazing video, from beginning to end. You are so authentic and I love it! Keep being you Toni!! ❤️
Im loving the longer videos!
Girl!!! Your talk about finances is amazing! It's great to make it aware for those who don't know what to do especially for the younger generation! Great job! 👏🏼💕
I love this video girl!
Your Latina subbie from Chicago! ✨
Wow I’m 23 and am so glad i came across this , really cleared some of the confusion i had about it . Getting ready to invest in my first stock soon w my first $100 from work, wish me luck
good Luck buddy
good Luck kid.
wish you the best kid....
I love how open minded you are about investing, I read an article of investors that made good money within few months from shorting, so please I'd really love more tips and clues on how to outperform the market and make such profit using options
Hard assets are going up, the fed doesn't measure those because that would give it away. We have inflation.
Yes I started my RRSP when I was young, this is awesome content to share 👏🏼 Beautiful as always Toni 😘💋💋
The entire stock market is the place to be. Health and travel stocks set to skyrocket pending on covid-19, so that's not great but good too. Smart money is exiting to assets and dumb money is holding on to cash savings.
Stock Investment is the cheat code for having a successful and stress-free financial life, trading right would free you from modern financial slavery.
@@iriskovacs5010 That is the goal everyone who embarks on this journey seeks, "financial freedom"
@@virgilmelbourne2606 I have tried to ride the wave of the journey to financial freedom, it has ended up badly for me. I lost a lot, I mean a lot!!
Using Mrs Amanda’s strategy, making direct profit withdrawals is guaranteed; just search her name online Amanda Katherine Leff using google,check out her stock website for information concerning her services, Then mail her directly for guidance.
@@filipxavier1041 Woah. I was actually skeptical about looking her up but just wow. Her resume is really impressive.
Thank you for this knowledge I am definitely going to look into stocks!!
You're one of my favorite TH-camrs! I love how real and straightforward you are!
Is there a specific reason why you decided to invest through QuesTrade and not WealthSimple ? Curious to know :) thanks for this video, you explained everything really well !
Can you do an updated hair video? Like what your using to keep it healthy?
I love your investments tips! You always break it down so simply. You’re the reason I got a tax free savings account!
Okay I have been toying with the idea of etf's for awhile. All the other things you mentioned I already do. So gonna go do some etf's now hahaa
Thank you for talking about investing and finances, it can be so intimidating for young women especially! I’ve always admired you, ever since you were going to uni for accounting/finance.
Thankyou SO much for this video. Totally agree that they should have taught savings and such in school. You made it easier to understand 🤗
What is tfsa??😩😩😩 can we please have a dedicated video on the finance subject?
Love 💘, so much and hope everything is going well for you and your Christmas tree is decorated so beautifully and God bless you and stay safe and healthy and Merry Christmas and Happy New Year to you and your family. Love 💘, 💘
Well that was fun ❤️❤️❤️❤️ thank you for always being real and true 👍🏼👍🏼👍🏼👍🏼👍🏼 wishing you great success 😊😊😊😊