Frequentflier

I'm old. What works for me might not be right for others but why I sleep ok at night:
Large % of investment money in Treasuries & Non Callable CDs - 3-5 year maturities, all currently at 4.5% or better. Have a few Treasuries with longer maturity at 5% yield I bought just because they were at 5%+; whoever inherits that will likely be ok with 5% plus Treasuries can be sold (at gain or loss) in secondary market.
For those who believe Fed will lower rates starting this year I think buying treasuries (again which could be sold if needed) and/or CDs is a good short term strategy. Plus 4% yield is going to look good if Fed lowers. My memory is still good about getting garbage yields of 2% or lower.
Balance of $$ in ETFs, mostly S&P 500, technology, consumer staples, high dividend. Some might say "but what if the market turns down and you need that money". I won't need it and its essentially longer terms investment dollars as beneficiaries will inherit it.

Nice. You saved a bunch being able to pay with cash. 
I read that Colorado passed a law limiting how much a merchant can charge for accepting a credit card. Note that they don't have to accept credit cards, just that if they do high fees aren't possible. Fee has to be disclosed prominently. Limit is 2% or actual amount business pays whichever is less. No fee on debit card. A friend has a Maserati and his dealership charges a high percent to pay by credit card. Like what? He now pays for service, which as we know can be high on cars like a Maserati, with cash. He says he wants them to have to deal with taking cash to a bank. My thinking is, don't buy a Maserati. Haha.
It is easier to evade taxes by accepting cash. And now that the IRS has fewer agents its even less likely an auditor will show up and be able to figure out using other data from a business whether all the revenue has been reported. As with the above examples there are still plenty of ways to pay others with cash; recipients who are likely also avoiding taxes.
For tenants I started using a service years ago that automatically pulls payments directly from tenant bank accounts. I was more interested in the service because tenants can opt into credit bureau reporting so their on time payments helped their scores. Every tenant I've had and have now opted in. The fee is $5 a month and it can be paid by either party or split. I pay the $5. 

Yes!! that’s been happening because RM falls under the category of adult content sites, so now requiring age verification due to new regulations is a think. Ever since that recent Supreme Court ruling, we’ll probably start seeing stuff like this more often across different platforms.
One way around it: try using a browser like Opera, which has a built-in VPN blocker. With that, you won’t get the ID verification prompt, and bonus!!  you’ll actually be able to see the full written reviews on profiles, not just the star ratings like we usually get in the U.S.
Hope that helps someone!

I'm old. What works for me might not be right for others but why I sleep ok at night:
Large % of investment money in Treasuries & Non Callable CDs - 3-5 year maturities, all currently at 4.5% or better. Have a few Treasuries with longer maturity at 5% yield I bought just because they were at 5%+; whoever inherits that will likely be ok with 5% plus Treasuries can be sold (at gain or loss) in secondary market.
For those who believe Fed will lower rates starting this year I think buying treasuries (again which could be sold if needed) and/or CDs is a good short term strategy. Plus 4% yield is going to look good if Fed lowers. My memory is still good about getting garbage yields of 2% or lower.
Balance of $$ in ETFs, mostly S&P 500, technology, consumer staples, high dividend. Some might say "but what if the market turns down and you need that money". I won't need it and its essentially longer terms investment dollars as beneficiaries will inherit it.

I'm old. What works for me might not be right for others but why I sleep ok at night:
Large % of investment money in Treasuries & Non Callable CDs - 3-5 year maturities, all currently at 4.5% or better. Have a few Treasuries with longer maturity at 5% yield I bought just because they were at 5%+; whoever inherits that will likely be ok with 5% plus Treasuries can be sold (at gain or loss) in secondary market.
For those who believe Fed will lower rates starting this year I think buying treasuries (again which could be sold if needed) and/or CDs is a good short term strategy. Plus 4% yield is going to look good if Fed lowers. My memory is still good about getting garbage yields of 2% or lower.
Balance of $$ in ETFs, mostly S&P 500, technology, consumer staples, high dividend. Some might say "but what if the market turns down and you need that money". I won't need it and its essentially longer terms investment dollars as beneficiaries will inherit it.

I'm old. What works for me might not be right for others but why I sleep ok at night:
Large % of investment money in Treasuries & Non Callable CDs - 3-5 year maturities, all currently at 4.5% or better. Have a few Treasuries with longer maturity at 5% yield I bought just because they were at 5%+; whoever inherits that will likely be ok with 5% plus Treasuries can be sold (at gain or loss) in secondary market.
For those who believe Fed will lower rates starting this year I think buying treasuries (again which could be sold if needed) and/or CDs is a good short term strategy. Plus 4% yield is going to look good if Fed lowers. My memory is still good about getting garbage yields of 2% or lower.
Balance of $$ in ETFs, mostly S&P 500, technology, consumer staples, high dividend. Some might say "but what if the market turns down and you need that money". I won't need it and its essentially longer terms investment dollars as beneficiaries will inherit it.

As a core “investment” residential real estate (my home) has been really solid over a number of decades and you get the benefit of living there. I don’t understand gold the way I do real estate or stocks. And gold has been through wild swings. 

GLD has the highest expense ratio of all the Gold ETFs at .4%.  GLDM, for example, is .1%.
Kevin Slater

Super sleuth: a highly skilled and successful detective or investigator.
You are a scammers biggest fear. For the rest of us, thanks for the results

Nice. You saved a bunch being able to pay with cash. 
I read that Colorado passed a law limiting how much a merchant can charge for accepting a credit card. Note that they don't have to accept credit cards, just that if they do high fees aren't possible. Fee has to be disclosed prominently. Limit is 2% or actual amount business pays whichever is less. No fee on debit card. A friend has a Maserati and his dealership charges a high percent to pay by credit card. Like what? He now pays for service, which as we know can be high on cars like a Maserati, with cash. He says he wants them to have to deal with taking cash to a bank. My thinking is, don't buy a Maserati. Haha.
It is easier to evade taxes by accepting cash. And now that the IRS has fewer agents its even less likely an auditor will show up and be able to figure out using other data from a business whether all the revenue has been reported. As with the above examples there are still plenty of ways to pay others with cash; recipients who are likely also avoiding taxes.
For tenants I started using a service years ago that automatically pulls payments directly from tenant bank accounts. I was more interested in the service because tenants can opt into credit bureau reporting so their on time payments helped their scores. Every tenant I've had and have now opted in. The fee is $5 a month and it can be paid by either party or split. I pay the $5. 

Super sleuth: a highly skilled and successful detective or investigator.
You are a scammers biggest fear. For the rest of us, thanks for the results

Nice. You saved a bunch being able to pay with cash. 
I read that Colorado passed a law limiting how much a merchant can charge for accepting a credit card. Note that they don't have to accept credit cards, just that if they do high fees aren't possible. Fee has to be disclosed prominently. Limit is 2% or actual amount business pays whichever is less. No fee on debit card. A friend has a Maserati and his dealership charges a high percent to pay by credit card. Like what? He now pays for service, which as we know can be high on cars like a Maserati, with cash. He says he wants them to have to deal with taking cash to a bank. My thinking is, don't buy a Maserati. Haha.
It is easier to evade taxes by accepting cash. And now that the IRS has fewer agents its even less likely an auditor will show up and be able to figure out using other data from a business whether all the revenue has been reported. As with the above examples there are still plenty of ways to pay others with cash; recipients who are likely also avoiding taxes.
For tenants I started using a service years ago that automatically pulls payments directly from tenant bank accounts. I was more interested in the service because tenants can opt into credit bureau reporting so their on time payments helped their scores. Every tenant I've had and have now opted in. The fee is $5 a month and it can be paid by either party or split. I pay the $5. 

Super sleuth: a highly skilled and successful detective or investigator.
You are a scammers biggest fear. For the rest of us, thanks for the results

Here's a summary of every business I visited or will visit today:
1. Breakfast at a diner.  Restaurant charges 2.5% for credit cards.  I paid with cash.
2. Bought hair products at a salon.  Solon quoted me 30% off if I paid in cash.  I paid with cash.  (Yes, 30% not 3%)
3. Car detail.  Business charges 8% for credit cards.  I paid with cash. 
4. Gay bar for a drink (TGIF!).  Bar only accepts cash.  I paid with cash. 
5.  Haircut/wax/manicure/pedicure/body scrub.  The provider charges 10% to accept credit cards.  I will pay in cash, as usual. 
I am glad I always have cash on hand to take advantage of these savings.  I only allow my tenants to only pay me via cash, check, or money other.  Right now, they all choose cash.  Therefore, I always have enough cash to avoid visits to the ATM or bank, and I can grab these great cash discounts that are more than my Rewards Credit Cards can offer me.

I do the same as @Charlie
 I keep a stash of 5's and 10's.
I always carry cash with me.
Some folks carry large amounts of cash on them.  A friend's father carries thousands because "you'll never know when you'll need it".  He is quite wealthy.  He's probably an anomaly, yet I expect there are other folks that do the same.
To me, cash seems like a safety net as a back up if other methods fail for some reason. 
 

I regularly go to the bank and get a supply of $5 and $10 bills, because it is the most reasonable way to pay my dog-walker (the daughter of one of my neighbors), who walks my dog while I am playing tennis. She charges $10 per walk, but I often don't know what my schedule will be until the day before the match, so I leave the bill for her in an envelope on my hall table (she has a key to my house, so she can pick up and return the dog). There are also many times when I give a small tip to someone for providing some kind of service, and I can't imagine handing the person (for example, a worker at the car wash) a credit card or a check. I have entered the 21st century enough to pay a lot of my regular bills directly from my bank account online, but I can't imagine never having cash on hand when I need it. I don't go as far as my late partner, who never left the house without a bunch of coins in his pants or jacket pocket.

I generally tip waitstaff in cash and also use cash at small local businesses like my comic shop, where I know it's making a difference to the owner. (Seriously, that character Stuart from the Big Bang Theory was not an inaccurate representation of these guys' financial position...). 

Credit card cash back rewards are not considered income and are therefore non taxable. However, it's important to keep in mind that any deductible expense paid with the credit card can only be deducted for the amount of the expense minus the cash back received.

As of today, my pest control company will start charging more to accept credit cards.  I will begin paying him by cash each month when he visits.

I do the same but I'm reverse. 
If a business does not accept cash, I walk away and find a business that does.  But first I offer them cash, so they know why they are losing my business.  The only exception is travel which I must pay for in advance (airline, hotel, and cruise reservations).

When it comes to escorting cash is (still) King!
Untaxable and untraceable!
Back to subject: I know many guys under 30 who never even owned a check let alone using one.
 
 

Ughhhh, those tattoos 👀

So two objectives perhaps? 1) have enough money to buy a house or condo without a mortgage so you don't have to pay exhorbitant insurance rates and for a condo can pay the special assessments and 2) if a condo buy at a high level so your home never ends up in the basement as the building sinks.

I have accounts at Vanguard, Schwab and Fidelity. Have never had an accuracy issue or problem with service or fees at Vanguard or Fidelity. There was family trust money at Schwab for a long while but the trustee moved the money, with my agreement, to Morgan Stanley because Schwab said they would handle a split and distribution to heirs basically "whenever". I actually complained to the SEC about Schwab but don't have any expectation of disciplinary action on that. I don't recommend Morgan Stanley, a representative there told our family trustee that they are used to working with people who have at least "hundreds of millions" in investments. Morgan Stanley though has handled the account properly, timely and error free.

This gentleman looks nice, has a coherent and sane narrative in his RM profile. Unfortunately I'm not near Miami or I'd meet up with him and post a review. I think though that there might be one or two members of this great site who live in the Miami area?
I did search his name on here before creating this post; apologies if I created a new one needlessly. Won't be offended if I did and someone with unlimted power over this website combines posts on him or just deletes mine.
 
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