sutherland

If I were over age 60 (which I am), getting 5% risk free on $1 million or more is fine with me. That is why I now have very little in equities, as my T-bills and CDs are giving me 5%. A young person can take the risk with equities, assuming it can be held for 10+ years and the return will be closer to 8 or 10%.

I have been on my soap box regarding this for years. Let's look at two guys in adjoining rooms at our local nursing home. Guy #1 sacrificed for years to save money and leave if for his children -he has to deplete it all for nursing home costs. Guy #2 (who earned the same salary as Guy #1) squandered all his money recklessly and now has a net worth of $5 - taxpayer dollars pay for the nursing home. Is that a fair system?

You are correct. The average person spends 3 years in Assisted Living (which Medicaid does not cover) until going into a nursing home (which Medicaid DOES cover). As I age my plan is to give my money away to family until I am left with $400k to cover Assisted Living. Medicaid will kick in when I'm transitioning to a nursing home. An irrevocable trust is also something to look at since a nursing home cannot touch those assets. You just need a very trustworthy person to control the trust

At Men 27 Spa I've had sessions with both Antonio and David .... I would choose David. From what I've read here, Sebastian is the beefiest masseur there so I'll try him on my next visit

Does anybody know Mike Masters' current hourly rate? I've never met him but the photos are hot

https://www.youtube.com/watch?v=0XfEgoHUKKk Too bad I cannot get to the East Coast to see this. Manet's "Olympia" seems to be the highlight of the exhibition. Amateur art critic Sr. Wendy Beckett talks about it, starting 2:00 in on this site: I

Sound advice. I have created a ladder, too

Do you all know the web site parterre.com? For years it's been a great source for the behind-the-scenes gossip of the opera world. The death of its founder, James Jorden, has been announced. He was a walking encyclopedia of the operatic repertory and the great singers of the past.

I wish there were a Villa Giani closer to home

This has been my mantra for years. The average investor (and I consider myself to be an average investor) does not have the know-how to pick a company whose stock will outperform the market. I am satisfied with Mutual funds and ETFs that track big indexes like the S&P500 and Russell 1000

I met Ben Atwood about 9 years ago while I was living in Las Vegas. I thought it was a mediocre experience so I did not repeat with him.

I have ETFs that track the big indexes like S&P 500 and Russell 1000. When I click on the "performance" tab on my Fidelity online brokerage account I see that my 5-year return is - 0.29%. I admit that 5 years ago I was 'green' and made some common errors. My year-to-date return is 5.21%. I own a lot of the ETF 'VOO' (which Warren Buffett himself advises)

I've heard it said that Tristan und Isolde's prelude sets the dissonance and it is not resolved to the very final chord of the opera. Also, the opening of Strauss's Der Rosenkavalier has the famous 'orgasm' moment in the brass.

Have any of you noticed, as I have recently, that you are underperforming the market? The S&P average hovers around 10 percent, long term. I read the AAII Journal, listen to Market Place on NPR radio daily, read the blogs, etc. Any advice for me? Thanks

I do see plenty of providers on Grindr. If a guy taps me, and he is 25 years old with a great body I don't even waste my time - he'll want $$$

Everything she sang reflected her great artistry. There is no soprano today comparable in terms of style and expression. R.I.P. signora

If you like opera and porn, this tenor shows off a very attractive ass at the conclusion of the cabaletta in Act II of Rigoletto -

I heard Brenda Rae sing Lucia di Lammermoor in Philadelphia a few years ago. I thought she was first rate - worthy to sing on the Met stage.

It was the steely quality of Caballe's voice that never appealed to me. Also in the Bel Canto repertory she lacked the notes above High-C. She made studio recordings of Lucia di Lammermoor and I Puritani without the High-Ds and High-E flats that we got from Callas, Sutherland, and Sills. Yes, I do love the thrill of sustained high notes. That said, I can appreciate the elegance of her phrasing, the phenomenal breath control, and the high pianissimo notes. The ease with which she ascends to the High-C in "O patria mia" from Aida has never been matched. Her daughter tried a singing career but didn't get very far.

I used to listen to Ric Edelman's radio program religiously. He always said to ask a new broker if he/she is a fiduciary (check with finra). You need a broker who takes a flat fee and does not get a commission.

Thanks for the advice. One of my brokerage accounts is with Fidelity and I'll look into it

I have created a ladder of 3-month T-bills. They are only taxed on our Federal income tax, unlike CDs that are taxed on both Federal and Local income tax returns (unless you're lucky enough to live in Florida, Nevada, etc. where there is no local income tax). When the recession hits I'll have maturities on a regular basis and put the money into the market at rock bottom.

I would not use the adjective 'ugly'. I would say that the boys there are average looking. I, personally, find latinos attractive so I have a penchant for the Brazilians that work at Villa Giani. During my visits there the manager always asked if I was satisfied with the boy I hired. That would not allow for the 'bate and switch' problem I have had on several occasions when hiring escorts online.

Erik Estrada Richard Grieco John Cena