Frequentflier

As long as depositors keep balances within FDIC limits they don't have to be concerned. There are even banking services now that automatically move excess balances to other FDIC institutions and back as needed - I have a couple of business clients that do that now post Silvergate (I believe that was the name). I use a couple of local / regional banks because the service is great and I prefer to give them business and avoid the Wells / Chase / B of A bankster run operations  Others are free of course to love those if they like.

As long as you have your head on your shoulders, there's not a ton of risk in my opinion. Nothing revolving this is 100% guaranteed, but tons of people here have been hiring for decades. Overall, just stick to well reviewed guys and you should be okay. Avoid new guys without reviews, because those are going to be the kind of guys who you'd be likely to get more trouble from. That's not to say that new guys should be avoided at all costs, but if you're risk averse then that makes the most sense.
Sometimes men will think with their penis instead of their brains, and that's where you sometimes land yourself into trouble.

I want foreign based airlines to be able to fly between U.S. cities so we can experience real First class domestically. Too often I think "this isn't really First class, it is just better than the ecomony seats behind me".

guy asks for $1k
then says I’m good no more 
and some here want him more 
what a marketing case study 

"Can't you make it a little cheaper, Mister."

What I am not here to do is to debate it.   It makes ZERO difference to me why her you believe it or not.   And asking the cost of a weekend or overnight sheds no light on whether a person can or can not afford the time, it’s simply a relative question.    I found most educated people would be asking the same questions to any professional who runs their Business like a Business. 
And while there are some here who have an “Abundance of Money, I also know the ones that do have an “Abundance of Money” ni feel the need to discuss it or their worth.   
 

Moderator's Note: A gentle reminder to all the Sherlock Holmeses and Agatha Christies on the forums- Please keep any personal information you may find to yourself unless he has posted it in his ad, and don't post it here. Thanks!

Unless I'm reading incorrectly, the 3% cap is annual so property taxes could go up 3% each year forever. That is still good for existing homeowers of course. I wouldn't own property in Florida because of insurance issues, storms/flooding (there's no point buying inland in that state) and the unmentionable topic. 

It s already happening.  Listing prices are routinely being lowered now throughout Florida, including Miami & Ft Lauderdale.
The price growth over last 3-5 is not sustainable.  The only thing that kept it alive was somewhat reasonable interest rates. 
The property taxes are higher (higher percent of assessed value) in Broward County (Ft Lauderdale) than Los Angeles. Home insurance in Florida is the most expensive in the country and many places are uninsurable. The list goes on & on & on.
The only people who think it’s a good idea to move to Florida are people domiciling there as formal US residence and traveling the world. A billionaire like Bezos (who is moving to Florida) isn’t going to actually live there. Or people who really haven’t spent much time there.
Florida real-estate has and many boom & bust cycles. The bust is here.

I don't take any of the above. Just a well balanced and healthy diet. Three meals a day. No snacking. Poop comes out just fine and regularly each morning after breakfast. 

I've been buying T-bills on Fidelity and Schwab - secondary market mainly. For as short as 3 months I can get over 3% and the interest is not taxable at the state level.  And of course if someone should need to liquidate early its easier to sell a T-bill than cash out a CD early.

You obliged and sent him a photo of yourself? So he was going to be paying you for your time?

About 10 years ago I had two kidney stones. The pain was unbelievable and ended up with me in the emergency room. Fortunately they passed on their own so I didn't have to go through the removal procedure outlined by the doctor. 
I was told to reduce eating foods with high oxalate content. Google those - that change was not difficult and worth it to reduce a repeat experience. 
I was also told to drink at least 3 quarts of water a day which I've been doing. Now that I'm going through Chemo I find that water intake beneficial as well.
The doctor told me that most people who have an experience with kidney stones forget the pain fairly quick and don't change their eating and water drinking consumption. They are prone to be reminded again and again
And sure, there are some people who won't do anything different and won't get stones again but I see no downside to more water intake and limiting (not eliminating) foods that challenge your kidneys.

I've been buying T-bills on Fidelity and Schwab - secondary market mainly. For as short as 3 months I can get over 3% and the interest is not taxable at the state level.  And of course if someone should need to liquidate early its easier to sell a T-bill than cash out a CD early.

And if the couple each has their own trust that is another $20K a year.
I bought a $10K individual and $10K in my trust this year and wish I would have known about this loophole last year.   I knew a trust could buy $10K but I thought the trust had to have it's own Tax ID and I found out a couple months ago this isn't the case

In America, long term skilled nursing works for two classes: the Uber-rich and the indigent.
Government does not pay for it unless you’re in the latter. You have to have nothing, zero, zilch, no house, no property, no retirement no savings. Don’t worry - you don’t have to actually take responsibility for unloading things when it all gets to that point. They’ll just take it once you’ve paid the last bill you can.
Good thing we can be spared the worst sort of life and rely on the autonomy of choice with assisted suicide.  
Wait. What?

Keep in mind that 90% of money managers underperform the market (and charge for the privilege).  A broad-based low fee mutual fund is your best friend. 
Kevin Slater

Kudos to you for your investigation skills. You're an asset to others who could have been taken advantage of.

Anthony Stefaneli is an Instagram model who goes by Gymnastkid589 and previously advertised on RM as such.
Logan_D is using Anthony's photos in the private photo section.
So ...either this profile is fake or Anthony is advertising in a more discreet fashion.
Anthony himself is sexy for sure. But also well aware of what he's got going for him and charges a premium for it.

He canceled on me with no warning. 
 
i texted him 48 hours in advance. He responded promptly and seemed nice. We agreed on our time to meet. 
 
Two hours before our appointment, I texted him to confirm our meeting time - and 30 minutes later he responded with “I can’t meet today”. 
 
No “I’m sorry”, No “Something Came Up”, No “Let’s reschedule” - Nothing other than just telling me it was no longer going to happen. 
 
Other than putting him on my “Don’t Contact Again” list, I wonder what would have happened had I not texted him two hours before we we’re supposed to meet - Would he have even let me know he was canceling?
 

FWIW my practice is to show up on time, maybe a few minutes early, and text the date that I am in the lobby or at the door.
 
If he does not respond to the text and then a phone call within 20 minutes, I leave.
 
If he does respond and asks for more time to get ready, I accommodate.

Don't grovel.
Just be direct and ask if there's an issue.  
 
If you still don't get a reply, move forward.

Wasn’t there a pilot a few years ago that purposely crashed a plane killing more than 100 people onboard? Afterwards we learned he had been struggling with his mind for a while. Shane should be grounded and not allowed to fly again unless a bunch of professionals with big liability insurance policies say otherwise. As with bad cops, I think hiring processes stink. Rage like we heard from this pilot was likely evident before. I am not flying on a Southwest flight.

I remember that incident. My recollection is that the subject pilot waited until the other members of the flight crew had left the cabin, he then locked the cabin door. When the other crew members realized the situation, they tried to re-enter the cabin but the security locking system was too great for their efforts.
 
The horror that must have gripped the helpless crew members and passengers had to have been off the charts.

Wasn’t there a pilot a few years ago that purposely crashed a plane killing more than 100 people onboard? Afterwards we learned he had been struggling with his mind for a while. Shane should be grounded and not allowed to fly again unless a bunch of professionals with big liability insurance policies say otherwise. As with bad cops, I think hiring processes stink. Rage like we heard from this pilot was likely evident before. I am not flying on a Southwest flight.