Jim_n_NYC

A Lord of the Rings fan, at any rate.

Yeah, I definitely remember his pics.  Not sure why he isn't on my favs list unless there was something that came up that was a turn off for me.  He does have reviews going back to 2017.

Yea, I remember him from porn and the pic in jeans with his elbows on his knees looks familiar.  Hot guy...I'd meet him if he ever came to NYC.  The only non-5 star review is 4 stars and doesn't seem that negative.

22 hours ago, Beancounter said:

I opened a Chase checking account several years ago because of their $200 incentive.  Sure enough they gave me $200.  Imagine my surprise in January when I got a 1099 - Misc tax form letting me know the $200 was considered taxable income.  I’m sure credit card offers with similar types of incentives would have been treated similarly.  

I think with a $$ incentive, it is treated as interest but with points and miles it is different.  I've read that if the value of the award or bonus is over $600 then they have to issue a 1099, but I've received many CC sign-up bonuses that I would swear were worth more than that but have never received one.  It all depends on the individual bank's policy.

Since we travel enough that we can use miles for booking airfare and hotels using points, I always transfer to the airline that I want to use and book that way.  Our points of choice atm is Chase URs though we also use Amex points. 

We were discussing with friends that we stayed with over Thanksgiving about using credit card points and they said that because they have the top tier Chase card (the Reserve) they get 1.5 cents per point when they book through Chase.  I told them that last year we flew to Madrid by transferring Chase points to Iberia and got about 9.0 cents per point...a much better value.

While we could (and have) earn points/miles on a specific airline or hotel, I think it's much better to earn a transferable currency (like Chase URs or Citi Thank you points) and then transfer them to the best airline that will get you where you need to go.

As a comparison, I transferred 140,000 Chase pts to Air France and booked 2 one-way business class tickets home from Paris next September.  I checked using Chase UR points directly (through their travel portal) and it would have cost 308,000 points plus another $3700.

12 minutes ago, dutchal said:

Same guy I think:

 

Yep, that's him.

22 hours ago, Bucky said:

BMO Bank now has 13 month CDs at 4.5%.  That's the highest I've seen so far.  

I'm going to stick with shorter term bonds for now since I don't think rates are done rising yet.  I just put in an order for treasuries that expire mid Feb and the stated rate was 4.127%.  The thing I need to do, though, is to space this out a little more.  Currently, all my fixed income buys expire in the same month...I'd like to have 1/3 of them expire each month while I'm doing the short term bills game.

As a reference, the current highest yield 3-month CD rates are 4.0% on Fidelity.

There's already been a thread on him under a different name.  He ghosted me when I was supposed to see him a while back.

"(no JO) bringing  a slow, unrushed, HE"...how do you get an HE with no JO?...unless it's a DIY.

I've always wanted to try Spa Castle, but it's a pain to get to without a car.  I live right next to the 7 train and can take it to the end, but then would have to take a bus...probably over an hour trip.  And since I need to go during the week (when SO is at work), not sure it's really worth the effort.

1 hour ago, azdr0710 said:

Fantastic pictures if that's who shows up. 

Yes...mouthwatering!

Well, those links just sent me down a woodie rabbit-hole, LOL.

This afternoon, one of the savings accounts I have a large chunk of dough in went from 3.03% to 3.6%.  Of course, no idea if that is related to the Fed hike.  The 8 week treasuries are almost up to the rate that the 13 week ones (that I tend to buy atm) were last week.

I think the 13 week treasuries come out on Thursday, so should see if the rate increased from the ~4% rate of my last buy.

1 hour ago, Bucky said:

How quickly do either the T-Bill or CD rates increase after yet another bump by the Fed which will happen today?  

Will we see corresponding increases within a couple days?

No idea.  I almost put in an order a few days ago for 3 month treasuries but stopped when I realized the Fed meeting was this week.  I'm going to watch the next couple of days to see how it goes.

54 minutes ago, The Big Guy said:

I agree this is a good way to go.  Just be careful that many of the longer term CD’s are callable after a short period of time and you may be forced to reinvest at lower rates later.  It depends on the individual situation but I prefer to take a modestly lower rate for CD’s that can’t be called.  

I've actually found that buying the T-bills is a little better than the offerings in the bank CD's at Fidelity.  Since rates are still going up I've been buying 3 month CD's but took a look at the equivalent T-bills and the rate was a little higher on the same day (max bank was 3.75 and T-bill was 3.98).  I did a test buy beginning of Oct and the rate went up from the time I placed the order until the time it executed, which was nice (so that 3.98 ended up being over 4%). 

What am I missing?  His address is showing as 53rd and 9th Ave in Manhattan, not Brooklyn.

Or did it just change?

First pic looks sexy, but not for outcalls only for $280.

So, I guess the answer to the question in this thread's title is NO.

As an update to my Oct 10 post above, the T bills in my Fidelity account (for the 13 week which equates to 3 months bills) that I purchased when the rate was listed at 3.22% executed with an effective rate of 3.52%.  Not sure if that is because rates moved up while I waited for the order to execute or it was in the vagaries in how these things work.

Well, that'll pay for one massage a month or maybe an escort every other...😆

I've already bought my bonds for this year so now that this rate is confirmed, I'm going to buy some in our gift accounts that we can distribute next year.

https://rent.men/Jarhead_Cross

So, anyone know anything about this guy?  He has 37 reviews on RM, but no mention here that I can find.  What a cutie.

Thanks a lot guys.  Because of seeing this thread I clicked on the link to his ad to see who you all were talking about.  He's now looked at my profile on RentMasseur about 8 times and sent me two messages so far.  It'll be interesting to see how far it goes.

On 10/7/2022 at 10:25 PM, Frequentflier said:

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.

I'm glad you brought this to my attention.  I have a Fidelity account mainly cuz that's where my company has my 401K.  I just checked the rates there for the T-bills and the new issues are at 3.22% for the time frame I'm looking for (about 3 months) and the CD rates are anywhere from 3% to 3.3%.  So, almost exactly the same.  If I were buying these in a taxable account, being in NYC, I'd go your route and get the non-state & local tax treasuries for sure.

Ladapo is a quack.  I stopped reading this thread (when I found out) he was the author of that report.