FrankR

In my opinion it really isnt hard to avoid: 99% of the time if you ask for a Facetime or Whatsapp video call, face to face, the mask slips. 👺

Yes, we should do it. I suggest we issue token on a blockchain to recognize contributions. We can call it canoodle coin! 🫵

Honestly, you may just have to get over it. He isn’t your boyfriend; he isnt “cheating” on you. You are both consenting adults so be a good customer and let them be a good provider without attaching emotional or societal baggage that adds no value to either of your lives. 🤓

To be sure, we Americans, are spoiled for choice. The site is operated from Europe where they dont see things the same way. During a trip to the Netherlands last week I had a rude awakening when almost no one would accept my credit card. Grocery stores, liquor stores, even restaurants. Only debit cards. My corporate credit card was basically useless. Improvise, adapt and overcome gentlemen!

I only have and recommend term life insurance to my friends, but…they are all poor! Lol. Be careful of mainstream advice on life insurance from gurus like Dave Ramsey and Suze Orman - they do not understand the tax code or how these policies can be used effectively. Take a look here: https://youtu.be/t3eHZT9Erxo There is a place for permanent life insurance as a tax shelter if you are maxing out retirement options already and need to take it to the next level to keep Uncle Sam from picking your pocket.

Boston. That makes sense, since the Patriots are useless this season, they need some entertainment over there. 🤭 It is a (very) rare provider that keeps to all their proposed travel cities beyond NYC and LA - scheduling more than a few days ahead is a gamble. Consider finding someone local instead of depending so much on visitors. Or catch an Eagles game. 😎

Dude! Can we please keep the expletives to a minimum?? 🤣

Take a look here: https://heymistr.com/2024/08/08/how-long-for-prep-to-work-a-comprehensive-timeline/?gad_source=1&gbraid=0AAAAAC0g6bbDURytvze5Py8M4DVvDj1p6&gclid=CjwKCAiA3ZC6BhBaEiwAeqfvyvejmZr7HIM1T1MNy1dCwP7kOLd_ogCufHIYuAbtRsHzpL8YcUPbcxoCrY8QAvD_BwE In short: depends on the drug you are taking, if you are taking it as prescribed; but as a rule you get maximum protection after 3 weeks of use for the daily pill.

Possible exception: Lucy Lawless! 😋

The deception is that these Fintechs claim to be partnering with FDIC insured banks…so they make it sound like FDIC insurance extends to these deposits. In many cases the partner banks also loudly proclaim their excitement with the partnership. Then when things go wrong and the funds go missing, both parties shrug and the bank as well as FDIC claim they are not responsible. Eroding trust in both the banking system and the FDIC, with the consumer left with the loss.

So you use/rely on a Fintech for any of your financial transactions? I have very little love for large banks, but the risk involved with the likes of Yotta/Synapse also worries me. https://www.cnbc.com/amp/2024/11/22/synapse-bankruptcy-thousands-of-americans-see-their-savings-vanish.html

Dare I say: you had fun but you didnt understand the assignment... The idea behind edging is to build up, continue to build up and build up some more, staying on the edge to get to the point of one big blow. 😉

Electronic I bonds: $25 minimum or any amount above that to the penny. For example, you could buy an I bond for $36.73. Paper I bonds: $50, $100, $200, $500, or $1,000

Now in Boston and traveling to NYC soon. Pics are not him. Will not repeat.

Most 403(b) plans offer a Roth option - you can start by channeling new contributions into a Roth part of the 403(b) that way. Some 403(b) plans allow in service distributions/withdrawels before age 59 and a half - you can use that to shift funds into an IRA and then do a Roth conversion of those funds. Be prepared to pay taxes on any funds shifted out of your 403(b). I highly recommend that you speak to a professional before making any of these moves - it can get complicates and messy if not done correctly and with appropriate planning.

Nathan Lane was worth the effort!

You are allowed to be young and foolish. Since you mentioned midtown, I assume you are in NYC. My advice: get a massage table, join MMXNYC and get free massage exchanges going. Finish your studies and wait to spend money until you have money. 😉

Don’t be anxious - just vote. Then have an irish coffee. You’ll be fine! 😁

Try a search - Igor has been discussed many times.

Really? You should read McDonald’s 10-K. In 2023, 38% of company income was from real estate holdings. Private equity is the common cause of a great many business failures, be is restaurants or hospitals.

I recently resigned from the board of a charity for much the same reason. It was clear to me that the leadership had lost the plot and a number of expenses did not appear appropriate or fruitful. I had to make a “noisy exit” to make my misgivings and resignation clear and ensure it was noted by all stakeholders and my departure cannot be in doubt. I had a word with the auditor as well since there is no audit committee. My professional qualifications could be in peril if I am associated with this type of shenanigans. I am still a little shocked by how blasé the leadership team was about my concerns.

The “older and wiser” like us, understand that PrEP protects against HIV but not bacterial infections etc. I continue to be surprised by how many young men believe PrEP makes them bullet proof. A very indignant young man asked me why he had to get the Mpox vaccine - he was getting the PrEP injection every few months already! (It took most of my self control, not to roll my eyes like Dorothy).

Nick has been posting some really weird stuff on his Insta. It seems he is unwell and suffering from undetermined respiratory problems. I suspect that the pics he is posting at the moment are not current but from earlier, better days. So sad. 🥲

A better analogy is probably vinal records. They remained in favor with many and have seen a bit of a revival over the past 5 years. (Sold 43 million records last year). I suspect the same will happen with condom use. It is a cheap and easy way to protect yourself from all kinds of critters.