Jim_n_NYC

My Ira/401K's from work are at Fidelity. I've started buying 3 month CD's for that last 6 months or so to keep the cash there semi-liquid to see how rates pan out. I just bought some this week and got 2.4% to 2.5% on them. The ones I bought 3 months ago were at 0.8%, just to show you how rates are doing. It's hard to predict, but when it seems like all this rate hiking is over (or close to it), I'll probably buy some 2 or 3 year CD's to lock in some good rates.

Uh...how does that work? Only suck dick when you have a severe case of dry-mouth? 😆

Hey guys...I just saw this thread and wanted to put my 2 cents in. Seems like there are a few posts where it's not 100% clear on how these bonds work. The rate on your bond does not change at the same time as the purchase interest rate that is set unless you buy exactly the same month that the interest rate changes. (That's clear, right?) What I mean is, the current 9.62% rate is good for bonds purchased until the end of Oct '22, but once you buy the bond, you still get that rate for 6 months. So even if you buy the bond in Oct (the last month to BUY the bond at a 9.62% rate) you'll still get that rate for 6 months. The 6 months on your actual bond may not run at the same time as when the gov changes the rate. I think someone said the rate is set for the first year. Incorrect. It is on a 6 month schedule just like the rate changes. I bought some bonds in Jan '22 at the 7.XX% rate and got that thru Jun '22 and then they reset to the current 9.62% rate (for 6 months). The first year only means you can not sell the bond for the first year...it's locked. If you have a tax refund, you can use that to buy paper i bonds each year up to $5K...so for a total of $15k each year. The paper can ONLY be purchased with tax refund. You can gift I bonds. I've done this to get an extra year of Ibonds for the wife and me and you can do this for as many years as you like, though you'll be locking in that money for an unknown future rate. Here's what I mean...I bought us each the $10K I bonds in January. In April, while the rate was still at the 7%ish rate, I gifted a $10K bond from each of us to the other. That I bond sits in each of our gift account until next year (so Jan '23) at which time we can then send them to each other. While the bond is in the gift account, it IS accruing the interest that it was bought at (so for Apr '22, 7.XX% for 6 months and then the 9.XX% rate.) The time spent in these gift accounts also counts toward the 1 year prohibition of selling the bond (so the bonds we bought in April '22 will be sell-able in Apr '23). If you are gifted an ibond, that does count toward the $10K limit for the year. I only did it since rates are so high, I figured I could lock in another $20K at those rates.

Wonder how he fits that table in a fishbowl? 😁 (wonder how many will get that).

Yea, I actually just found something on the NYC vaccine site saying the same thing. If I can get it tomorrow, it'll put me at 27 days...good enough for me.

Does anyone know if there is any problem getting the second shot less than 28 days after the first? I may have a chance to get the 2nd shot this weekend, but I'd be cutting into the 28 days by a couple. I've been looking online but all I find is recommendations to get them at least 28 days apart.

I was just farting around the site and found this thread. We went to Spain and Portugal and got sims while we where there (and had to switch when we changed countries), but it was great having regular phone service while we were there. Now that I'm about to go to Germany for 3 weeks, T-mobile has 5 gigs of high speed data that I can use on my trip (I think they added it this year), but just in case I might get a sim. Then I saw this e-sim thing you guys are talking about. That would be so great to not have to do the physical sim card thing again. edit: well, bummer. I have an LG phone that's about 5 years old and it doesn't support e-sim. I'll remember this for my next phone.

Going to be in Bavaria for 3 weeks and wondering if anyone has any recommendations for a little extra curricula activity. More like saunas, bookstores, etc. I'll be able to get some time for myself on the trip. Thinking that Munich and Nuremberg are the two places where something is bound to happen.

I was actually agreeing with your previous post that the angst for MP is overdone...sorry you didn't get that.

Do you have a day job? 🤓 I'm teasing, I think we appreciate the effort and warnings about this guy...though, I admit, the PICS are hot even if the ad is fake.

Hence, why I asked. If he only does those hours that I said, then I'd have to drop the idea of trying to see him.

I was just coming to terms with my sexuality when AIDS started in the 80's, so I got to live through that and the HORRIBLE government response to it...and I ended up losing 3 friends to it eventually. I can not imagine if there had been a vaccine (yes, I know there wasn't one) for it that could be given within 2 months of the outbreak, how different the world would have been.

So does that mean, even if you can get an appointment, it would only be week nights or weekends?

Oh, great...and thanks. I talked to him a couple of times by email right before Covid hit, so I didn't get to see him. I'd like to now, though.

I thought he paused his ad. Is he seeing clients currently?

I like to watch 😝

I'm doing the same thing, though probably 7 weeks ahead. For me, diet AND exercise are key. And not just weights, but aerobic, also. I read recently that getting your heart rate up for 150 minutes or more per week is good for both fat loss and heart health. I live in NYC as well, but luckily my building has a gym (tho small, I can do all I need) so I have no excuse not to get back in shape, lol.

Bumping this to see if anyone has tried him yet.

From everything I've read about how MP spreads, sitting on a toilet seat ain't gonna do it.

Because it's better to take one for a non-sexual one, of course...you dummy. 😜

Holy crap. I didn't notice until you posted this. I saw him when I lived in LA waaay back before 2004 (I was in LA from '96 to '04 so some time in those 8 years). It was only therapeutic but I remember that after we were finishing up he said I should have kept my eyes open while I was on my back. I thought it was a weird comment and assumed that maybe more would have happened if I HAD kept my eyes open.

Now that I've seen the total package, he's not my type.

masseuse? really?

I'm surprised no one has brought this guy up yet (unless I missed it). https://rent.men/ThorAtYourDoor

Ugh, I can.