handiacefailure

I've only had a few spin off and they weren't that successful. A friend of mine owned McD's stock when they spun off Chipolte and IIRC it was successful for him. I track all my investments in quicken and whenever I have a spinoff I make sure to back up the file before having the spinoff entered. I always do all my dividends in a DRIP and it enters a spinoff in quicken its uses the DRIP shares as a separate entry and I've have had a couple times where I didn't do the entry right and had to reinstall my backup data file

Hope you didn't invest money in it you can't afford to lose. Would have been a great short. Problem with those websites is they come and go. Look at how popular Manhunt and adam4adam were and I can't remember the laost time I was on either

I hired Dmitry Osten recently (one of my favorite hires) and even though we didn’t talk about doing it (always hire him for a kink scene) and he did some. Ended up being really hot but not something I would want to do a lot or on a regular hook up. I told him I love the RussianMaster porn shoot he did and he did that in that video. I did it with Paul Pratt years ago but he just like to spit on guys and Dimitery did it in my mouth and it was pretty hot. Too bad he isnt allowed into the US anymore. Hopefully he’ll go back to Toronto but said it was a pain to do a canada tour if he can’t include the US with it.

When a provider quotes a price that I feel is way too high and then will come down when I give him the coutesy of telling him the originally quoted price ut of my range. Also when they have photos that haven't bee updated inthe last year and have been on RM for a long time with no reviews

If you own individual stocks you need to diversify and dollar cost average.

Makes sense. If the money is in out of US bank, why would the FDIC cover it? AFAIK, if a country has out of country banks and you have money in the US branch, I don't even think you can access the funds. Citizens bank has branches in London, and when I banked with Citizens I tried doing a withdrawl in London when the ATM wasn't working and was told I couldn't access my funds at the branch. When any US bank fails you have to pay back your mortgage/loan, even if it's over $250K.

Thanks Usually $300 is my limit but might be willing to hire him for $400 if he can do an incall and will play rough

Surprised he hasn't been reviewed yet. Hot twunk that did a few kinkmen videos and he has always been a bottom but see he did a video recently where he subbed. And he mentions kink in his listing. Would love to sub for him and he'd be hot to bottom for For tops he's definitely great at that role Benvi - Pornstar Performer, Rentboy, Gay Massage in Los Angeles, CA | RentMen RENTMEN.EU Pornstar Performer & Rentboy in Los Angeles, CA - Benvi: Benvi

You have to hold it for a year before you can even touch it and then you lose the prior three months of interest. Suze Orman explained it in her podcast a few weeks ago how it worked and it may be on her website as to how they figure it. From everything I've heard if you look at the value of the ibond on treasury direct it has the interest penalty figured in and whatever value is listed is what you would get if you cashed the bond in today.

If you are going to do a MMF you are better off just doing a 30 or 60 day treasury, especially if in a state that has a high state tax rate. While not totally liquid, most people won't need access to their fund in 30 days anyway. Something to be careful of with a MMF as well is it is considered an investment and not a deposit account so not FDIC insured like a regular money market. There is some other kind of coverage but can't remember all the details. There have been reports of MMF's dropping in value as well but it's usually only for a day or two and they recover.

No but spend about $450K which is very easy to do as a business owner. When I retire I'll probably only keep a couple of the credit cards for every day spend but will keep my Hyatt, Marriott and Hilton cards just for the free night, the annual fee more than pays for the free night.

Not sure if this is still the case but before they had tap and pay you could buy an Oyster card at LHR station and you had to pay a deposit and then on your return you could use the Kiosk and it would refund your money and the deposit on the card and disactiate the card. I always thought the card fee was absurd if they would reissue the fee and let you keep the card and also they would disactivate it. Everytime I went to London I would have to buy a new oyster card and wait in the line to get the refund. Was also a pain having it refunded in coins since my bank in the US only takes bills but I woud just the coins at Duty free and put it towards my purchase and pay the balance on my credit card.

The only time I've heard of it being an issue is at some gas stations that have no humans and I ran into an issue at AMS train kiosk onetime but I just went to a human, just sucked waiting in line.

The London transit system has had the capability since before covid to pay with you phone or watch and I love it, beats having funds left on an oyster card and cashing them out at the airport. Chicago's and NYC's system has also had tap and pay for a while but like you said in NYC you can't use it on the Airtrain which sucks since you have to pay a fee for the stupid MTA card.

Unfortunately it is very hard to get a pin enabled credit card from a US bank. Only place I found that has one is PenFed. Fortunately most places take apple pay in other countries so it isn't really a big deal but a pin card can come in handy at the Amsterdam train kiosk and some gas stations overseas require a pin. And apple pay still isn't very common in the US. Walmart and Kroger still don't accept apple pay and most restaurants don't have apple pay either. And speaking of ApplePay discover is giving five percent back on all mobile wallet purchases next quarter if you register up to a Max of $1,500 in charges. I really miss the promo they had when Discover was first enabled for Applepay and gave a 10% cashback on all ApplePay purchases with no Max. I bought a new dishwasher from BestBuy and a bunch of gift cards for places I shop at from a small grocery store near me that accepts applepay.

Did the same thing. And I live in a state with a high tax rate so it's nice there is no state income tax either. And it's a lot easier to buy treasury's now that you can add a bank account online without going through the BS of getting the seal from a bank.

Didn't try using it a grocery store, but no issue at all using my credit card anyplace in Amsterdam when I was there in 2013 except bars and for edibles. There's places I've been to in Paris and London that only take plastic.

Agree. Same if a merchant will ask you if you want it charged in US or their currency. The conversation rate sucks. I know Harrods in London gives you the choice and a lot of duty free stores at airports will. Also make sure you travel with a card that has no foreign transaction fees. There's a couple out there with no annual fee like the PenFed visa (which also is the only credit card I've found that is US based that has a PIN capability which is great oversears).

First part of Suze Orman's podcast today was on I-bonds and was really informative. Especially for people who are out of the five year interest penalty window. I bought a $10K one in January but am holding off on my second one and think I'm going to do a CD ladder with some money and see what happens with treasury itnerest rates. She seems to think they could go up since the US government has to cover the new debt ceiling

I have some mutual funds but did pretty good with my individual stocks, diversification is the key. I edited the post. I meant to type JP Morgan not B of A (JPM-J is the ticker symbol). I corrected my post.

Anyone here own preferred stock? Suze orman's show yesterday was on it and I'm trying to buy stocks that pay a decent dividend right now since I don't see the stock market having any gains for at least a couple years. She recommended a JPMrgan (JPM-j) prreferred stock that she thinks will be paying 10 percent pretty soon

bumpiing this thread. Anyone been with hiim lately? I see he's back in my area. I tried meeting him with him last year and got injured and had to have surgery and the recovery took longer than expected.

Should be worth more than that with NY's tax rates

I hated the virtual keyboard. Can you change your banking info online now? I recently opened up a checking account with a new bank and am keeping my old one mainly because it's conneccted to my treasury direct account. I wish it was easier to add a beneficiary to your Ibonds.

Suze Orman's podcast on Thursday will be about Ibonds and if you should buy them this round. Her advice is usually pretty good on Ibonds and that's how I first learned about them and that I could also buy another $10K in my trust using my SSN since my trust doesn't have a fed ID Number. I usually buy $10K in January and then another $10K in May or June and did buy $10K in January but probably won't buy anymore. Something interesting about Ibonds is that Sheila Bair was on Suze's show a couple weeks ago (she used to be a high up in the treausry depoartment) and when suze asked her about Ibonds she said with no hesitation she wasn't buying them before May.