handiacefailure

Glad I found this thread (not that I would have hired him anyway at his rates if he had great reviews).   He's in my area now and the pics were good and sounds like he isn't a lot of the things I am.   He quoted me $500 for an hour.   

I'm almost 60 and only reason I  haven't retired yet is I have great 100% company paid health insurance and am on a coupel very expensive maintenance meds.   If I were to get married I could go under the husband's health insurance    They are also protected for things like Death and disability insurance.   and if one makes a lot more than the other they can draw off their SS or if one has a pension and the other SS that helps out.   Also for 401K and IRAs there's a lot of tax advantages if it's a spouse

Even if the guy was older than me, I'd insist on a prenup at my age.   And if I outlive my mom, I'd like to protect her assets as well that I inherit and would have them in a separate account with the charities she had for the contingent if I don't need to spend it to go to those charities on my death instead of the husband's family.

I'm almost 60 and only reason I  haven't retired yet is I have great 100% company paid health insurance and am on a coupel very expensive maintenance meds.   If I were to get married I could go under the husband's health insurance    They are also protected for things like Death and disability insurance.   and if one makes a lot more than the other they can draw off their SS or if one has a pension and the other SS that helps out.   Also for 401K and IRAs there's a lot of tax advantages if it's a spouse

Even if the guy was older than me, I'd insist on a prenup at my age.   And if I outlive my mom, I'd like to protect her assets as well that I inherit and would have them in a separate account with the charities she had for the contingent if I don't need to spend it to go to those charities on my death instead of the husband's family.

I'm almost 60 and only reason I  haven't retired yet is I have great 100% company paid health insurance and am on a coupel very expensive maintenance meds.   If I were to get married I could go under the husband's health insurance    They are also protected for things like Death and disability insurance.   and if one makes a lot more than the other they can draw off their SS or if one has a pension and the other SS that helps out.   Also for 401K and IRAs there's a lot of tax advantages if it's a spouse

Even if the guy was older than me, I'd insist on a prenup at my age.   And if I outlive my mom, I'd like to protect her assets as well that I inherit and would have them in a separate account with the charities she had for the contingent if I don't need to spend it to go to those charities on my death instead of the husband's family.

I'm almost 60 and only reason I  haven't retired yet is I have great 100% company paid health insurance and am on a coupel very expensive maintenance meds.   If I were to get married I could go under the husband's health insurance    They are also protected for things like Death and disability insurance.   and if one makes a lot more than the other they can draw off their SS or if one has a pension and the other SS that helps out.   Also for 401K and IRAs there's a lot of tax advantages if it's a spouse

Even if the guy was older than me, I'd insist on a prenup at my age.   And if I outlive my mom, I'd like to protect her assets as well that I inherit and would have them in a separate account with the charities she had for the contingent if I don't need to spend it to go to those charities on my death instead of the husband's family.

I like using sugar free vanilla flavor creamer in mine or with Bailey's for an after dinner drink  

I like using sugar free vanilla flavor creamer in mine or with Bailey's for an after dinner drink  

If the provider wants money up front never a tip.
If it's a legit massage with a professional i usually tip around $20 since they have to pay rent for the studio and do their own towels, etc, just like the person who cuts my hair.
Escorts I use to tip more regularly pre covid.    But since a lot of their rates have gone up big time, I usually don't now unless their rates are reasonable or they go over.    
I set my own rates as a professional and my bill rate is only $275 an hour and I claim the income and have people to pay and rent and overhead and we don't expect a tip.   We adjust our bill rates appropriately   

With wait staff, cleaning people, hotel staff, barber, etc I generally tip 20%-30% -- but I tip providers the same amount I tip my lawyer, physician, medical specialists, architect, psychiatrist. business consultant, private coach, etc. Once you get an hourly rate in excess of $200 per hour, tipping is not necessary (unless you have money to burn). 

I reached out to him and he told me thirty percent so he must have raised it LOL.
I didn't both responding because he said since it was folsom weekend he was charging an "event rate" of $500 an hour.   He looks like a hot guy but not that hot.   

Thanks that worked.  

Actually I am worth total almost 3M, but I don't consider myself wealthy but we judge our wealth in some respect to our peers.  And that is considering that my social security meets all of my monthly nut and some additional expenditures.    I am very cognizant that I need to maintain my nest egg and need to live to do that. 
I do watch how I spend my money.   I come from a family that never had financial issues but was taught to be mindful about money.  I live at a middle of the road level.  I fly upgraded coach.  I stay at Hampton Inn level hotels.  I will eat at Outback but prefer a slightly better restaurant although I don't eat out often as I am definitely not a foodie.    Living in Las Vegas I do shun the places on the Strip.  I buy mid level cars, the last a Hyundai Tuscon, new,  but keep them for 5 plus years.  I rarely shop Macy's. more like Kohl's on sale or the outlet mall.
   I do live in an upscale community so by comparison to those who eat out constantly and take several expensive vacations a year, and also have vacation homes or have 500K bus size RV I don't feel wealthy.  But I am also aware of how very fortunate I am, rating in probably the top 10% of the country so I shed no tears and ask for no sympathy.  But I am can't buy 3000K pants from Neiman Marcus or spend 1000K for a night at the Four Seasons,  that is wealthy.

Sorry I thought I added it.  It’s in now

Can't wait for season two.   I loved episode six where it was becoming more of a romance story than just two guys hooking up.    

I really want to read the books now

At least that's better than being a British man who says tea is not his cup of opera.

Can't wait for season two.   I loved episode six where it was becoming more of a romance story than just two guys hooking up.    

Can't wait for season two.   I loved episode six where it was becoming more of a romance story than just two guys hooking up.    

I really miss the happy tap in Windsor where they took it all off.   
I remember going to the Gold Coast in college, a friend of mine loved the gas station and one time we went to the Gold Coast and he always called it the "troll coast" lol

If you know his favorite liquor or wine, buy him a bottle of that.
My mailman loves Johnny Walker black and I always get him a bottle of that every year for Christmas and he told me it's his favorite Christmas gift he gets from the few people on that route that buy him a gift.
 
 

HPV and anal warts cause both colon & penile cancer. If you've ever seen somebody suffer through colon cancer you'd wear a condom.

I refuse to bb with a provider or anyone for that matter.  Just takes one time   and its not just HIV   good friend of mine got anal warts and that wasnt fun

I'm really liking the etf "SGOV"    Has a dividend yield of around 4.4% and is exempt from state tax since it's government securities and unike a 28 day t-note you have next day access to the money if you need it.   

The resort fees really tick me off but at least with Rio, I dont have to pay them since I'm a hyatt globalist.    If I stay on the strip I don't even rent a car anymore with all the casinos charging for parking, it is cheaper just to take raideshare from the Rio than to pay for a rental car and parking.
 
Also airfares are absurd to Vegas now

So it would appear that payouts at maturity are automated. That is something I would have expected, but given the nature of bureaucracies, both public and private sector, it would not have surprised me if they were not.