Quincy_7

I'm better of by default because I was still in school during the pandemic. Now I'm working and make good money and have built up a decent amount in retirement accounts.

I'm better of by default because I was still in school during the pandemic. Now I'm working and make good money and have built up a decent amount in retirement accounts.

I'm better of by default because I was still in school during the pandemic. Now I'm working and make good money and have built up a decent amount in retirement accounts.

I'm better of by default because I was still in school during the pandemic. Now I'm working and make good money and have built up a decent amount in retirement accounts.

It's never "by default", is always about the choices we make. 

A couple of buds on this board I know go to Brazil once or twice per year for an all-out, weeklong pigfest. 
The cost of providers is 10% of US, and so many hot Latin boys to choose from!  They will usually hire one or 2 for the entire week, and supplement with others.
Now that's what I call a Value Proposition!

Happy New Year!!!
 

He looks a lot older than 29. There's the first red flag that he's not to be trusted.

He looks a lot older than 29. There's the first red flag that he's not to be trusted.

He looks a lot older than 29. There's the first red flag that he's not to be trusted.

He looks a lot older than 29. There's the first red flag that he's not to be trusted.

And this is one of the reasons I insist on a "lunch interview" to vet a prospective hire.

Great points.  This should be factored in, too.

I have this running debate with my investment pen pal nephew about passive investing.  He tends to think that it sucks, and is damaging the market.  Because we are now all mindless investors, funneling oodles of money into whatever some algorithm thinks will make us the most money.  I tend to disagree.  There are worse capital allocation methods out there.  Xi Whiz castrated Jack Ma, even though the Chinese love him.  Just because he viewed Ma as a threat.  Passive investors are bankrolling the Jack Ma's of America and the West.  Forgive me for my bias, but this is why I'd bet on America and the West to win the tech race.  You could say we put our money where our mouth is.
I got kicked over to Schwab earlier this year due to an Ameritrade merger.  So it is interesting to see what is winning and losing since that happened.  Most of the tech stocks or indexes I hold are doing great:  SOXL, FNGU, AAPL, OLED.  Because they are mostly the big winners.  And I imagine tons of passive funds go into them, and make them even bigger winners.  I bought some other profitable tech stocks a few months ago that I thought were good buy on the dip opportunities, like ALGM and INTT.  They both have relatively low PE's, that are less than half their 3 to 5 year average PE.  But so far they've just gone down more.  So even within tech my impression is it's a narrow winner's market. 
As that first chart above suggests, this is building a big bubble, just like in the 90's.   At some point it will crash.  Meanwhile, enjoy the ride.  Like sex, it's always fun while it lasts.

I’ve had clients do both; set it up themselves and have me set it up. It worked fine either way.
I had a client book me with another guy for him to watch us perform. The client booked us both separately but said that he didn’t want to be involved in the session, just watch and give instructions. I’d have preferred to book the other guy myself because I know there’d be a good connection between us to put on a great show, but I went with it because the client said he knew who he wanted. He also gave us both instructions about what he wanted to see. It worked out fine and the client was happy with the show. I guess he’d put a lot of thought into selecting the right guys.  

Back in April he asked me for a deposit. He's most likely a fraud.

I've looked at the eligibility criteria and to actually benefit from the policy you have to be in really bad shape in terms of not being able to perform the activities of daily living. We're talking not being able to make a bowel movement independently. Most old folks are not and will not be in that situation, and thankfully so. 
My view is that it's best to self-insure by investing. In addition to standard retirement money, have a separate bucket set aside for elder care. You likely won't need the money until your 70s or 80s so it should be 100% stocks and no bonds.

I've looked at the eligibility criteria and to actually benefit from the policy you have to be in really bad shape in terms of not being able to perform the activities of daily living. We're talking not being able to make a bowel movement independently. Most old folks are not and will not be in that situation, and thankfully so. 
My view is that it's best to self-insure by investing. In addition to standard retirement money, have a separate bucket set aside for elder care. You likely won't need the money until your 70s or 80s so it should be 100% stocks and no bonds.

Some things are just worth it. This is one of those things. 😉😈

at age 27, 6' tall, 160 lbs., light hairy body, and "athletic", I suppose the "twink" claim has run its course......

He just left my room a few minutes ago. I don't know where to start. The whole encounter was the stuff of dreams. 

I've looked at the eligibility criteria and to actually benefit from the policy you have to be in really bad shape in terms of not being able to perform the activities of daily living. We're talking not being able to make a bowel movement independently. Most old folks are not and will not be in that situation, and thankfully so. 
My view is that it's best to self-insure by investing. In addition to standard retirement money, have a separate bucket set aside for elder care. You likely won't need the money until your 70s or 80s so it should be 100% stocks and no bonds.

I've looked at the eligibility criteria and to actually benefit from the policy you have to be in really bad shape in terms of not being able to perform the activities of daily living. We're talking not being able to make a bowel movement independently. Most old folks are not and will not be in that situation, and thankfully so. 
My view is that it's best to self-insure by investing. In addition to standard retirement money, have a separate bucket set aside for elder care. You likely won't need the money until your 70s or 80s so it should be 100% stocks and no bonds.

I've looked at the eligibility criteria and to actually benefit from the policy you have to be in really bad shape in terms of not being able to perform the activities of daily living. We're talking not being able to make a bowel movement independently. Most old folks are not and will not be in that situation, and thankfully so. 
My view is that it's best to self-insure by investing. In addition to standard retirement money, have a separate bucket set aside for elder care. You likely won't need the money until your 70s or 80s so it should be 100% stocks and no bonds.