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%.

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

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%.

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%.

Yes, speaking of grindr in a grindr topic is so gauche.

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

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)

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

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 

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 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.

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

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

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

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 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 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'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.

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

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 - 
 

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