Cooper

Administrator’s Reminder
Gentlemen, Let’s use some common sense when posting images. If the model looks like he’s a young boy with his pubes shaved maybe it’s a good idea not to share it on this site. Thanks! 🙏 
From our Guidelines:
Child endangerment: Discussions about encounters with minors, posting pornography depicting a minor or purported minor, and discussions seeking child pornography, child trafficking, and pedophilia are not allowed. 

Administrator’s Reminder
Gentlemen, Let’s use some common sense when posting images. If the model looks like he’s a young boy with his pubes shaved maybe it’s a good idea not to share it on this site. Thanks! 🙏 
From our Guidelines:
Child endangerment: Discussions about encounters with minors, posting pornography depicting a minor or purported minor, and discussions seeking child pornography, child trafficking, and pedophilia are not allowed. 

Welcome to our forum @PSDesertRat

Don't know where this is, but was in article 
https://www.themirror.com/news/politics/gas-tops-7-per-gallon-1820943

Administrator’s Reminder
Gentlemen, Let’s avoid any discussion regarding children and sex. 🙏

Administrator’s Reminder
Gentlemen, Let’s return to the subject of this thread and stop the personal attacks. Failure to follow this warning is a violation of our Guidelines.
Remember: Rule #1
Civility: Conduct yourself in a way that respects this site and all who come here. Hate speech/hateful speech, name-calling/labelling, inciting or engaging in arguments, publicly shaming, and attacking other members, groups of members, or people who are the topic of discussion is prohibited. Remember: you may criticize a person's opinion but don't attack the person.

Administrator’s Reminder
Gentlemen, Let’s avoid any discussion regarding children and sex. 🙏

Administrator’s Reminder
Gentlemen, Let’s avoid any discussion regarding children and sex. 🙏

Administrator’s Reminder
Gentlemen, Let’s avoid any discussion regarding children and sex. 🙏

Administrator’s Reminder
Gentlemen, Let’s return to the subject of this thread and stop the personal attacks. Failure to follow this warning is a violation of our Guidelines.
Remember: Rule #1
Civility: Conduct yourself in a way that respects this site and all who come here. Hate speech/hateful speech, name-calling/labelling, inciting or engaging in arguments, publicly shaming, and attacking other members, groups of members, or people who are the topic of discussion is prohibited. Remember: you may criticize a person's opinion but don't attack the person.

Administrator’s Reminder
Gentlemen, Let’s return to the subject of this thread and stop the personal attacks. Failure to follow this warning is a violation of our Guidelines.
Remember: Rule #1
Civility: Conduct yourself in a way that respects this site and all who come here. Hate speech/hateful speech, name-calling/labelling, inciting or engaging in arguments, publicly shaming, and attacking other members, groups of members, or people who are the topic of discussion is prohibited. Remember: you may criticize a person's opinion but don't attack the person.

Administrator’s Reminder
Gentlemen, Let’s return to the subject of this thread and stop the personal attacks. Failure to follow this warning is a violation of our Guidelines.
Remember: Rule #1
Civility: Conduct yourself in a way that respects this site and all who come here. Hate speech/hateful speech, name-calling/labelling, inciting or engaging in arguments, publicly shaming, and attacking other members, groups of members, or people who are the topic of discussion is prohibited. Remember: you may criticize a person's opinion but don't attack the person.

My accountant sent this info to consider. 
The first major advantage is that you completely avoid paying capital gains tax because you are donating the stock itself rather than selling it, so the gain is never realized. A second benefit is that you still receive a charitable deduction based on the full fair market value of the stock, not what you originally paid, which creates a powerful double effect of avoiding tax while also reducing taxable income. A third advantage is that if you use a donor-advised fund, you can take the tax deduction in the current year while deciding which charities to support over time, giving you flexibility in how and when you give.
 
On the downside, the most important drawback is that once you donate the stock, the money is permanently gone and no longer part of your financial assets, which removes any future flexibility. Another issue is that you may be giving up a potentially better tax outcome for your heirs, since holding the stock until death would allow them to receive a step-up in basis and avoid capital gains tax anyway. The final drawback is that this strategy does not improve your cash flow at all, since it reduces taxes but does not generate any actual liquidity, which can be a problem if you still need access to cash for expenses or obligations.

My accountant sent this info to consider. 
The first major advantage is that you completely avoid paying capital gains tax because you are donating the stock itself rather than selling it, so the gain is never realized. A second benefit is that you still receive a charitable deduction based on the full fair market value of the stock, not what you originally paid, which creates a powerful double effect of avoiding tax while also reducing taxable income. A third advantage is that if you use a donor-advised fund, you can take the tax deduction in the current year while deciding which charities to support over time, giving you flexibility in how and when you give.
 
On the downside, the most important drawback is that once you donate the stock, the money is permanently gone and no longer part of your financial assets, which removes any future flexibility. Another issue is that you may be giving up a potentially better tax outcome for your heirs, since holding the stock until death would allow them to receive a step-up in basis and avoid capital gains tax anyway. The final drawback is that this strategy does not improve your cash flow at all, since it reduces taxes but does not generate any actual liquidity, which can be a problem if you still need access to cash for expenses or obligations.

My accountant sent this info to consider. 
The first major advantage is that you completely avoid paying capital gains tax because you are donating the stock itself rather than selling it, so the gain is never realized. A second benefit is that you still receive a charitable deduction based on the full fair market value of the stock, not what you originally paid, which creates a powerful double effect of avoiding tax while also reducing taxable income. A third advantage is that if you use a donor-advised fund, you can take the tax deduction in the current year while deciding which charities to support over time, giving you flexibility in how and when you give.
 
On the downside, the most important drawback is that once you donate the stock, the money is permanently gone and no longer part of your financial assets, which removes any future flexibility. Another issue is that you may be giving up a potentially better tax outcome for your heirs, since holding the stock until death would allow them to receive a step-up in basis and avoid capital gains tax anyway. The final drawback is that this strategy does not improve your cash flow at all, since it reduces taxes but does not generate any actual liquidity, which can be a problem if you still need access to cash for expenses or obligations.

My accountant sent this info to consider. 
The first major advantage is that you completely avoid paying capital gains tax because you are donating the stock itself rather than selling it, so the gain is never realized. A second benefit is that you still receive a charitable deduction based on the full fair market value of the stock, not what you originally paid, which creates a powerful double effect of avoiding tax while also reducing taxable income. A third advantage is that if you use a donor-advised fund, you can take the tax deduction in the current year while deciding which charities to support over time, giving you flexibility in how and when you give.
 
On the downside, the most important drawback is that once you donate the stock, the money is permanently gone and no longer part of your financial assets, which removes any future flexibility. Another issue is that you may be giving up a potentially better tax outcome for your heirs, since holding the stock until death would allow them to receive a step-up in basis and avoid capital gains tax anyway. The final drawback is that this strategy does not improve your cash flow at all, since it reduces taxes but does not generate any actual liquidity, which can be a problem if you still need access to cash for expenses or obligations.

@BSR, How much does your stockbroker recommend you keep in cash? Mine suggested 30%. And, yes, interest on CD’s has always been taxable. 

@BSR, How much does your stockbroker recommend you keep in cash? Mine suggested 30%. And, yes, interest on CD’s has always been taxable. 

Administrator’s Reminder
Gentlemen, You know our policy. Attack the issue, not the person. Stop with the personal attacks. 🙏

Administrator’s Reminder
Gentlemen, Please avoid posting detail information that could possibly jeopardize the licenses of the Spa or Masseur. 🙏

Administrator’s Reminder
Gentlemen, Please avoid posting detail information that could possibly jeopardize the licenses of the Spa or Masseur. 🙏

Administrator’s Message
Gentlemen, Once again, please keep politics out of the discussion. A few messages have already been deleted for violating the rule. 

March 26th  will mark the 3rd Anniversary of daddy/ @Guy Fawkes passing. I was just reading through the numerous tributes posted in this thread and reflecting on the contributions each one of you have made to keep his memory alive.
When @HooBoy passed @Guy Fawkes took control and worked tirelessly to keep the site going. Unable to purchase it he created a new site and transferred all our posts and reviews to the new one. We were all so appreciative for this as it kept our community together. When daddy suddenly passed I thought this was the end  but, fortunately, contacts were made and daddy’s labor of love continues through all our eyes. 
Cheers to daddy! I truly enjoyed my years working along side with him and I’m certain he’d be so pleased knowing the site he created is still up and running! 🥂 🍾 
Thanks to all the supportive members who stuck around to watch as the show must go on! 
RIP my old friend. 🙏

Administrator’s Message
Gentlemen, Perhaps this would be a good time to remind you of Rule #1 of our Guidelines. It’s called Civility. Please! Stop with the body shaming. 🙏 
1. Civility: Conduct yourself in a way that respects this site and all who come here. Hate speech/hateful speech, name-calling/labelling, inciting or engaging in arguments, publicly shaming, and attacking other members, groups of members, or people who are the topic of discussion is prohibited. Remember: you may criticize a person's opinion but don't attack the person.

More precisely, whatever your donation, the first .5% of your AGI is non-deductible.
Kevin Slater