PhileasFogg

He’s a busy boy, but seems to have a level head. It took a couple of false starts to make the call happen, but it went well. My sense is that he’s honest in the profile. We kept it light and ultimately made plans for a weekend trip that’s coming up within the month at my home. Have you met him?

It’s interesting to see the number of guys billing themselves as twinks who have big and bold tattoos. Anything but “twinkish” to me. As I think one of the Karashians said “my body is a Bentley. Would you put a bumper sticker on a Bentley?”

seems to be working now

I was surprised by a number of things at Hanlan’s: 1) how many clothed folks were there 2) how many average nude folks were there 3) how many nude women were there 4) how many guys were boldly sneaking in to the woods for a quickie Young and hung was a clear minority. And, when I was there, it was 60/40 male/female but, a retreat like Harlan in a dense urban area is a great thing.

Would I? Yes, in fact, that’s what I’m doing. I’m seeking a 50/50 mix between financial assets and tangible assets (specifically income producing property with inflation resistant cash flow attributes) one makes money in real estate one of two ways - from either the cash flow, the appreciation, or a combination of both. I think farmland and low income housing have attributes attractive on both fronts. As a result, they offer attractive hedges against the inflation that plagues financial assets as I see it, tillable land area is shrinking due to population growth and development, and the demand for food through population growth is increasing. I don’t see this changing.

I don’t want to imply “catfished.” He’s clearly not as lean and toned as his pictures (not unusual in my limited experience) He was otherwise very sincere and honest. I wouldn’t be surprised if he didn’t see the difference between “now” and “then” appearance. Haha. No! I prefer boys who can take care of themselves when I travel

Probably not. Nice guy, pics didn’t match RM Profile and gold digging turns me off completely.

Yesterday, after a visit to my house, a guy offered to be my “good boy” This provider is 30+ yrs younger than me and was very impressed with my house, art, cars, etc I told him I didn’t know what that meant. His response was , “you know, ‘good boy’” 🤔 So, not wanting to double down on my ignorance, I left it lingering there in the car. so, end my ignorance please: - is this a submission thing? - is it an exclusive arrangement with me? - is it a generational thing? I’m so confused 😂

I met him. He was attentive, very nice and polite, but awkward because he struggles with English even after being her a couple years. His pictures are accurate and don't do him justice at all.

I'm with BSR. It was not the pandemic that caused inflation, it was a 40% increase in money supply. The text book cause of inflation is "too much money chasing too few goods." To be fair, supply disruptions contributed to too few goods, but not nearly as much as the 40% increase in money supply (linked so you can see it graphically) Inflation is coming down now because money supply is shrinking - something that rarely happens and almost always, when it does, results in a recession. I don't want to even skirt politics, but not all of the stimulus, in my view, was necessary and exacerbated the inflation. But since all stimulus resulted from bipartisan cooperation and/or compromise, it's not a political statement. The problem that remains in America is that deficit spending is inherently inflationary. In addition, the US can't reduce rates as fast as Canada because we have an epic deficit to fund and lowering rates too far will cause US Treasury securities to be unattractive to investors. So, "Rock" meet "Hard Place"

For the record, my comment was macro-oriented and is valid. And, I never said inflation was a good thing. I said it was "not a problem if..." As a retired person, there is no scenario where I see myself as maintaining a lifestyle if I rely exclusively on fixed income securities and "cash assets" - especially in a time of increasing rates.

PPS is a theoretical measure that means nothing. It is not supported by any other measure of size - the us remains the largest importer in the world and accounts for about 15% of china’s exports. Our exports are half the size of China’s. China (and the world) need our consumption of foreign goods. If that’s the measure you choose, let’s agree to disagree. t

Maybe he didn’t understand that, when he arrived, that you’d be glad to do the driving?

I’m with you. Sometimes we are attracted to what we are not…and I’m not lean like that anymore.

In defense of the fact that the US really is the world, I’d point out that the US represents 4.2% of the world population but about 25% of the world economy. While the 25% is down from 40%, the decline is because China grew - driven much by exports to the US - and not because the US shrank. By comparison, the provinces to the north of us have .5% of the world’s population and 1.2% of the world’s economy. If I’m mildly offensive, I apologize. But, at the core, a comment like “The US is not the world” is enabled by a certain deafness to Maslow’s Hierarchy and the overall lift to global prosperity and standard of living made possible by the US’s standing in the world. And all because a thread got moved?

First, I respect your position on this immensely. Assisted Living is a spectrum. Level 1 is not "institutionalized" in a traditional assisting living environment. It's essentially an apartment with concierge services. However, if you were sharing an apartment with a Level 4 partner (I honestly don't recall how many levels there are) it may seem a bit more restrictive. But as you say - 3 miles isn't that far. It's great that you have a place that meets your needs so close. My parents (now deceased) needed help. I cut a deal with them - give it 60 days - I'll sell nothing and if it doesn't work, we're get you in-home assistance. After two weeks then told me to sell everything.

I have a FaceTime call scheduled with him later today to see if I think it's worth some travel expense. My hope is that he doesn't come across as too immature for my tastes.

I’m sorry you’re dealing with that. I hope the transition goes well for both of you.

I have no need for life insurance either. But it makes sense for a business owner whose death may trigger a sale of the family’s business to pay the taxes. I think long term care insurance is a good idea for spouses where depleted assets could impair the healthy one’s ability to cover living expenses. But I’m single and my investment income can cover LTC. And, if I’m really sick, I’d probably not survive more than a couple of years with plenty to still leave to my family when I die.

I will add - price inflation is not a problem unless wage growth is slower than the rate of inflation. If wage growth equals the rate of inflation, then you are simply not better off from the increased wage. If wage growth is higher than the rate of inflation, your purchasing power still increases. As others have noted though, inflation is a “basket” of different goods and services and Housing is a big part of it - but my housing costs haven’t increased a dime in nearly a decade (except for flood insurance at my coastal home) Cars are more expensive (and I’ve had five new ones in 6 years) but I don’t borrow to buy them so part of that expense is mitigated. My current car is a PHEV, so my fuel costs have actually dropped from 22¢/mile to 5¢/mile as most of my driving is in town on electric charge. Groceries are up a lot, but they’re < 5% of my budget - so maybe they’re gone from 3.5% of my spending to 4%? But, I’m an active traveler and plane tickets have probably tripled for me But I can cut back from First Class to Comfort and still manage costs if I want to. CPI is a necessary benchmark but your mileage will vary depending on your actual “basket” Years ago, I reset my quicken categories to match CPI definitions. I figured out I was far from normal in the weighting of my actual expenditures. It was an interesting exercise.

I’m a score junky although I don’t borrow money (but may under the right situation) I keep my score in the 840’s by paying off my cards 2-3 times per month. The effect of a closed account like JC Penny will fade quickly. The 20 point drop is a reaction on the assumption that you defaulted. Does JC Penny even still exist?

Inflation doesn’t “fall.” It “slows.” The “Rate of Inflation” may “fall” or “go down,” but prices are still increasing. I’m being pedantic, but people don’t understand inflation unless they understand this distinction. “Disinflation” is a slowing of the rate of inflation and only helps the consumer if wages are increasing faster than prices. ”Deflation” is when the rate of inflation is negative and this usually coincides with a catastrophic economic situation that we’ve not had in America in a century.

I have a family member in a coastal area that refers to it as “self insuring”. I remind her that unless she has cash in the bank to cover the loss, it’s called “taking the risk”

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You missed my point. But I’ll leave it there.