FrankR

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.

Looks interesting - maybe some eye candy down the line too. Show is based in Australia.

A little off topic, if you will indulge. I was traveling in Barbados a few months ago. Needed new running shoes and stopped by a local store. The salesman told me the shoes I liked the looks of, was actually meant for cricket. They were Pumas - very colorful. Very good looking. So was the salesman! 😉 Ended up going to a game of cricket with him. Day/night game I think they called it. He explained that was the reason why they didnt use the traditional red cricket ball. It was actually a lot of fun to watch a game live.

I am happy for you - glad you got value out of it. Just be careful how far you go in drinking the Dave Ramsey cool-aid. His budgeting ideas are solid. His investing ideas are less so, in my opinion.

Yes, we are out there! 😁 Scammers will try anything to get your information so they can try to monetize it. Always meet in a public place - I meet the young men for lunch before we reach any agreements. If they are unwilling to meet in person or a video call - scammer. Biggest problem daddies have: out of date photos. Check your pics - if they are more than a year old…they need updating! Good luck with your search.

Well, it is Australia, mate! 😆

New season starting October 31, 2024.

I recommend an election detox. Switch to porn and avoid news channels for a month! 😆