I am currently 47 years old. Unfortunately in that time frame I have lost a lot of family members. Some (most) were accidents, some to age, some to cancer, and one to suicide. That’s 11 deaths total. Only 1 person out of 11 had a will. When you are grieving the last thing you want to do is close an estate up. It’s even harder if nothing has been prepared in advance. After the initial shock of the death settles (the phase where everyone is usually nice), greed comes through in a most alarming manner. I’ve watched people turn into monsters. Make sure you have a will!!!! or people will fight. I know most people hate thinking about their death or their spouses death but honestly it’s just a fact of life. I’ve personally been the executor of 2 estates now. This is my advice: 1. If your young get life insurance. If you’re retired it’s not worth it. 2. Make sure you have a will. 3. Make sure you have a personal directive. 4. Make sure you have a power of attorney set up. 5. If your married make your spouse the beneficiary of your TFSA and RRSP(has to be done through the account not the will), they will roll into the spouses account without taxation. 6. If you’re married, and you own a house, make sure both names are on the title, joint tenant, NOT tenant in common. This activates right of survivorship on property and doesn’t have to go through the estate. 7. If you’re married, both people should have their name on all the vehicles, joint, otherwise it’s a headache after death. 8. Buy a file folding system. I have a plastic one that has a clasp and handle. 9. Put EVERYTHING in this file folder that would be needed if you died tomorrow. a) all land titles B) information on house insurance so it can either be eventually canceled or name changed over. C) your will (or the location of your will), power of attorney, and personal directive D) the information for your car, car insurance, and registration on vehicles. E) information on life insurance. F) all current year papers needed for filing your taxes. Because the survivor will have to do it and will need that information. G) where your household bills are. ALL OF THEM, electricity, gas, Netflix, magazine, subscriptions everything you can think of that is in their name. Because you are going to have to cancel them. H) their credit card information where to contact to cancel the cards I) birth certificate, SIN numbers, marriage, license, etc. J) information on all your investments accounts, bank accounts, etc. K) anything else you can think of for your situation If you’re married, I’d have one box per person. When you die, the funeral home will issue many death certificates. And your lawyer will give you copies of the will. These will be needed to change over any accounts. Everything else goes through the estate which is taxed and the lawyers take their fees so I’d avoid this as much as possible especially if you’re married. This is why having property in both people‘s names is so important because it doesn’t have to go through probate. I am widowed now and I have my black file folder and my two remaining children know if something happens to me, all they have to do is grab the folder. Everything they need to take care of my estate will be located in this folder. At the beginning of every year, I open this file up and go through everything to make sure it’s up-to-date. If you are young and do not own much or can’t afford a will, you can draft one up but it must be handwritten to be classified as a legal document. You cannot type it out!! If you’re not worth much, everything will most likely be sold to pay your bills and cover your funeral expenses. But you can state who your executor will be in your handwritten will. Disclaimer I’m not a lawyer or an accountant and this is not legal advice. Talk to a lawyer and talk to an accountant. Make sure everything is set up for you and your situation. These are situations that I personally ran into. Good luck Also I’ll add in. IF you have a lot of assets make an appointment with your accountant first. They will tell you how to properly set things up. Then take that information to your lawyer. read more
I wanted to clarify a point from the latest KarMoe episode. Income products can serve different purposes: 1. @riggs uses them with margin to accelerate investing, and values the distributions for flexibility and cash flow. 2. Some people use them before retirement. 3. Some people use them after retirement. Someone can believe a covered-call portfolio is especially suited to retirement, and I respect that view. I’m not judging the mindset of someone who holds one, or saying it has to be the same as a growth investor’s. I’m just saying: you don’t know enough from the label alone. People use the same tools for different reasons and in different circumstances. There are multiple styles under both the “income” and “growth” umbrellas. A useful discussion needs to get specific about the product, the goal, and how it’s being used. I know “growth versus income” can get very tense, and a headline can bring broader thoughts about the topic into the comments. Sometimes people are responding to the show notes rather than what Moe and I actually said in the episode (not everyone has time to hear me ramble, I get that). I’ve come to expect that, and it’s fair game. The same problem applies to the “growth” label. Calling me a “growth investor” doesn’t tell you much. My broadly diversified, CAGE-centered approach is very different from someone holding only NVDA, TSLA, and META, even if we both get put under the same label. That’s why I’m always aware I have to navigate these terms with extreme caution. LOL.read more
Meta $META is up 39% over the last 3 months. So let’s breakdown what actually happened and why I was telling you to PRESS BUY since July 2026. The summer got ugly for $META. Revenue grew 28% in Q2 and the stock still fell because investors thought it was burning billions on AI with nothing to show for it. Then the story flipped. $META settled the 29-state youth safety lawsuit for $18B paid over 10 years. That's a lot of money but a loss at trial could have cost over $1 trillion so Wall Street saw a big risk disappear. Drop in the bucket for $META. $META then launched Muse. It's an AI agent that actually does things for you like shopping, booking appointments and sending emails. It hit #1 on the App Store and got 2.8M downloads in 12 days. Incredible. Meta's Connect event put Muse everywhere along with the new Ray-Ban glasses, its first ever ultra-thin VR glasses as well as a keychain device that holds your AI agent. It also bought Stilla.ai to build AI agents for businesses on WhatsApp and Instagram. The catch is that Muse hasn't made real money yet and $JPM doesn't expect it to until 2027. As a $META investor, I’m fine holding until that point. $META went from "wasting money on AI" to "AI people actually use" in one month. Now Muse just has to prove it can make money and this stock will continue to defy gravity. read more
My wife and I rent right now, and I'm very happy with that decision currently. We get flexibility, we don't have to worry about replacing a roof or furnace, and we can move when life changes without selling a house first. Owning can be awesome when you want to stay put and make a place your own. I definitely want that eventually. But I don't see renting as throwing money away while we wait. We're paying for a place to live and for the flexibility that fits our life right now. For us, renting works financially because we pair that flexibility with discipline. If every dollar not going to a down payment or repair bill just gets spent somewhere else, you lose one of renting's advantages. We still need to save and invest on purpose. Has renting or owning given you more freedom at this stage of your life?
Very excited to welcome @austinxmoney as Blossom’s first Product Manager!! Up until now, I’ve been leading product but it’s challenging giving it my full focus while jugging other CEO priorities, so I am so pumped to have someone fully dedicated to support me in improving the app for this amazing community 💕 Austin brings 6 years experience as a PM from eBay and other startups and has also been a Blossom member and shareholder for over a year 🔥 He’ll be working closely with our amazing designer @sophii.svg to ideate and design new features and will be active in the community to make sure we are always listening to all of your incredible feedback 🥳 Lot’s of exciting things in store for this week (big update coming on Wednesday) and for the rest of the year! 👏 Help me give a warm welcome to @austinxmoney in the comments!
Wall Street is expecting $ZETA revenue growth to fall off a cliff next year. 2026E: ~39% 2027E: ~16% Meanwhile, management has said they expect to remain a 20%+ organic grower for years to come. They’re also already ahead of their 2028 model on key customer metrics, while current guidance still includes a 2%–5% cushion. If management is right, these 2027 estimates could be way too conservative. read more
A new milestone on @blossom for me. Thank you 7000 times for 7000 followers!! 🚀 I really appreciate everyone who follows along and reads my posts or distribution/dividend announcements since 3 years now If only 1 out of every 7 of you decided to follow me on my new YouTube channel, I’d honestly be so happy. 😊 It took me a while to finally decide to start this channel. My wife really doesn’t want me showing my real face on the internet, and I completely respect that because we both want to protect our privacy. So I decided to create an avatar that looks a lot like me without being exactly me… although he definitely dresses like me! 😂 That also means I have to create my characters, write my scripts, generate voices and video sequences with AI, and then edit everything together. It takes a LOT more time — and can sometimes be VERY frustrating 🤣 — compared with simply sitting in front of a laptop, turning on a camera and talking. But along the way, I discovered something I really enjoy. It allows me to develop my creative, cinematic and humorous side, while talking about investing and trying to share useful information without making finance boring. Hopefully, one day the channel can generate a few dollars — even if it’s just enough to cover the cost of the AI tools I currently pay for out of my own pocket to create these videos. I may be retired, but somehow I’ve managed to give myself a new unpaid job! 😂 It takes a lot of time and some money… but while I’m making videos, at least I’m not cleaning the house. Watch Episode 14 about Procter & Gamble and you’ll understand. 🤣 More seriously, I’d genuinely love to hear your feedback and comments about the channel. My goal is to keep entertaining you while sharing information about investing, new investment products, distributions and dividends. And if you enjoy what I’m creating, subscribing to the channel would probably be the nicest little way you could support what I’m building. ❤️ https://youtube.com/@andypiimedia https://youtu.be/TokPcifO3vo I was happy when I reached 5K, now 7000 wow! Thank you to read me almost each day. read more
I was listening to episode 426 of the Rational Reminder podcast and they started talking about something I really hadn’t thought much about before. We spend so much time figuring out what kind of investor we are. What’s my risk tolerance? How much risk should I take? How much do I need to save? But what about the other side of it — what kind of spender are you? At some point the money we’re saving and investing is actually supposed to be spent. They talked about three types of spenders: Tightwads → Unconflicted Consumers → Spendthrifts. There’s actually a test for this, so of course I had to take it. I scored 15 — Unconflicted Consumer. What am I actually saving all this money for? For me, I don’t think it’s material things anymore. When I was younger maybe it was. I’ve talked before about buying a motorcycle in my early 20s when I finally had a decent job and some money. At this point in my life, I think it’s experiences. My wife and I are celebrating our 15th wedding anniversary and we’re going away together for 10 days. We’re spending more on this trip than we normally would, and I’m completely okay with that. We’ve both worked hard, we’re busy raising our kids, and life seems to move faster every year. Ten days where we can get away together, slow things down and celebrate 15 years of marriage means something to me. That’s something I’m willing to spend money on. Someone else might look at what we’re spending and think that’s crazy. But maybe they’ve dreamed about owning a Mustang for 30 years and that’s what they want to spend their money on. I’d probably look at the Mustang and think… nope. But that’s the point. What do YOU want to spend your money on? I think we spend so much time learning how to save and invest that we don’t really think about what happens when it’s finally time to spend it. If you’re a natural saver or a “tightwad,” after 30 or 40 years of telling yourself NOT to spend money, can you suddenly flip that switch in retirement? Apparently I’m an Unconflicted Consumer, so maybe I’ve got a fighting chance. If you want to try the University of Michigan test, here it is: https://umich.qualtrics.com/jfe/form/SV_55xxAQrYK0WRlY2 Take it and post your score. I’m curious where everyone falls. read more
Did you notice $MCD ’s performance today? Down -5.XX%. Chris Kempczinski, McDonald’s CEO, just told us this morning: “[…] customer expectations are once again shifting and industry dynamics will remain challenging.” That’s one way of saying consumers can’t afford a Big Mac anymore. 😆🤣 He also said: “The industry growth algorithm is changing. We expect industry traffic growth in our wholly owned markets will be flat while inflation remains elevated.” A little bit more straightforward on this one. Thank you, Mr. Kempczinski. 👍 He was also interviewed today, outside of their annual investor meeting, and said: “We need to stop talking about this being a difficult environment, and just say: that is the environment. Because as we look forward, we are not expecting things to change […] we do think inflation is gonna be with us for, unfortunately, I think, many more years at an elevated level…” Well, that couldn’t be much clearer: he doesn’t think inflation is going anywhere anytime soon. Do you remember KTS #1? And the greatest (self-proclaimed 😂) post in the history of Blossom: “They Are Telling Us – So What Are You Waiting For?” 😂 They have one clear thing in common: INFLATION. Those who took the TIME to read and understand these two posts from March 2024 are now most likely prepared for high and sticky inflation. Inflation has been here all along. But now, companies are giving up on the idea that it’s temporary. You’re already feeling it. Is your portfolio prepared for it? I always give you my best! 🏆 This is the Way! 🏄🌊 read more
If you DCA'd during the $BTC bear market and ignored the negative comments, enjoy the next few years. To my fellow $MSTE , $BDAY, and $ISBG holders: expect some 20%+ drawdowns, but the overall trend is up and to the right and new all time highs! To the haters: please save your comments. I heard your criticisms for a year straight and still bought over $1M in BTC ETFs. If I listened to you, I would be an unsuccessful investor. Instead, I followed the data, stuck to my thesis, and now I am up hundreds of thousands of dollars, and it's JUST GETTING STARTED. So congratulations to everyone who held strong, enjoy the next few years, and Welcome to the $BTC bull market!
Today’s Buy: $XNDU: 50 shares - $4.85 Today’s Sells: $HQ: 21 shares - $15.30 Profit: $121.80 (61.05%) $HQ: 20 shares - $16.05 Profit: $132 (69.84%) Even tho i was longing hq im j gonna take profit missed out on over 1.2k back in july will re enter back in that $9.40 - $9.50 area to long Today’s Profit: $253.80 (65.32%) Monthly Profit: $1,525.36 (23.09%) 4th best month this year Riding on 3 straight months of 20%+ read more
Hey Everyone! My name is Austin and I am working at @blossom on the product team! Our team is constantly looking for ways to improve the platform and build features you care about. I am hosting a series of 45-minute user interviews every thursday to learn more about how you use blossom today. Anyone is welcome whether you are a new or longtime user of the platform! Interested in chatting? Click the link to find a time that works for you. https://calendly.com/austin-blossomsocial/45min
A lot of people are talking about $METAs Muse app hitting #1 in downloads. That’s a strong start, but I’m watching what happens after the launch hype fades. Do people keep using it? Can it compete with other AI assistants? And how quickly can Meta improve it? I own $META, but I’m not basing my opinion on one day of downloads. I want to see whether Muse gives people a reason to come back. What do you think?
Have you ever heard of a music group called “Green Day”? I actually didn’t like their music too much when their songs were first being released. Even though they were a very popular group, I thought they were too punk for my taste!😂 But over the last few years I’ve come to appreciate their music more, probably because of Spotify, and the ease of streaming music. Green Day actually has quite a few hit songs, and I like quite a few of them. I guess you could say that I’m a “Green Day” fan now. 🟢🪭 Some of their more popular songs, which I think are pretty good, are Boulevard of Broken Dreams, Good Riddance (Time of Your Life), and When I Come Around. One song that I’ve discovered recently, that I quite enjoy, is called 21 Guns. I think it was a moderate hit when it was released, but I don’t think I ever heard this song until recently. Anyways, it’s a pretty nice song that you might want to have a listen to, when you have a chance. Pretty catchy tune. Here is a link to a live version of the song on YouTube. https://youtu.be/HVaYkdG4k_I On another note, my portfolio also had a nice “Green Day” today!🟢😂😂 Daily gain of +$230,568!👍 Quite a few of my Bitcoin related investments ($MSTR, $FBTC, $IBIT, $FBTC) and tech related names ($NVDA, $SMH, $META, $AMD, $VGT, $QQQM) did very well today! How did your portfolio do today? 🤷♂️ Did you have a nice “Green Day” 🟢 as well?😂😂😂 read more
📊 Long-Term Investing: The Power of Thorough Analysis When it comes to long-term investing, understanding the fundamentals of a stock is crucial. It’s not just about jumping on trends; it’s about making informed decisions based on solid data. This chart breaks down the essential financial statements—Balance Sheet, Income Statement, and Cash Flow Statement—that every investor should analyze before committing to a stock. 🔍 Balance Sheet: This tells you about the company’s financial health, specifically its assets, liabilities, and equity. A healthy balance sheet is a sign of stability and resilience. 💸 Income Statement: This shows the company’s profitability by detailing revenue, expenses, and profits. A strong income statement indicates a company that’s generating profits, a key factor for long-term growth. 💰 Cash Flow Statement: This reveals how the company manages its cash, from operations to investments and financing. Positive cash flow is essential for sustaining operations and fueling future growth. By mastering these fundamentals, you can make smarter investment choices that stand the test of time. Remember, successful long-term investing isn’t about timing the market; it’s about time in the market, supported by thorough analysis. $VGT$TXN$QQQ$AAPL$META #InvestSmart #LongTermInvesting #FinancialLiteracy #StockMarketAnalysisread more
Thank you to all of my followers , we have reached 20K followers on Blossom 1.2k followers on X Over 300 subscribers for The Edge Report Newsletter Board of Advisors ( Option Specialist) at DividendVisions We are working on a couple of things : building a YouTube Channel - building a portfolio and trading options in Public Possibly a weekly live show with a media partner read more
At the beginning of the year, I wanted $100k in returns this year (2026). As of yesterday, we smashed through that goal with a current 24.7% return rate. If you want in on my real time trades, I have been posting on Instagram until Blossom fixes the vanguard connection: https://www.instagram.com/ari.gutman?stkn=MTZlYW1ldjNqaHM2bA%3D%3D&utm_source=qr Happy investing to all 🤙🏼
