KeepItReal

I used to think that I would try to leave my money to my nearest and dearest and shield it from Medicaid.  NOT ANYMORE, once I've seen them in action when an elderly relative needed some temporary help.  They all scattered, except for one.

I wouldn't do that.  Once they get the money you won't ever see them again.  I've seen it over and over again.

We've faced similar pressures here. Inflation is coming down, but not as fast as the Reserve Bank wants, so they raised the cash rate to 4.35% last Tuesday (that's up from 0.1% in May last year). October actually had monthly deflation with CPI of -0.1% (but the year to October was still in the high 4s). Their announcements have centred around spending and demand remaining too high, and concern about rising wages (they are still behind the rate of inflation). The main effect of the rate rises for Joe Average is to increase mortgage rates (which are variable here, not fixed for the life of the mortgage), which flow on to rent rates as most landlords are small investors who also feel the mortgage increases. The RBA studiously avoids attributing any part of inflation to roaring corporate profits (I'm looking at supermarkets among others here) or perceived price gouging. The Bank has also failed to acknowledge that half of home owners don't have mortgages, so rate rises don't affect them, and that many consumers still have savings buffers they built up during Covid. These factors mean that the main lever the Bank has only pressures a minority of the population, and they are the ones who were already worst affected by inflation.

NYT digital is a lifesaver if you're in a neck of the woods where a Sunday edition (or any edition, for that matter) isn't readily available.
The app is very user-friendly and has a massive amount of information and functionality.

I will admit...I am looking for an opportunity to diversify a little, more so than just a desire to acquire bonds. My portfolio is very heavy in stocks and cash.  You know what they say... diversification is the only free lunch in finance.

Not much of a massage. Gets to extras quite fast. Meh for me. 

There are a bunch of comments from the past three months...how much more recent do you want?? Last night, maybe? 😆

Remember, remember, the 5th of November,
Gunpowder, treason and plot.
I see no reason
Why gunpowder treason
Should ever be forgot.
Happy Guy Fawkes Day!

I should have listed. Disappointing all around.

Are you sure? Singles behavior look contagious to me! 😆

Email Matt or Tim. 

Welcome "Dan".  

Are you sure? Singles behavior look contagious to me! 😆

I was repeatedly molested the summer I was 8 years old.
 
30 years later, I had a masseur that would always blow me at the end of our sessions. I loved it. I looked forward to it. I saw him probably 24 times over 3 years. It was great. He was great. 
 
At my last appointment, he raped me. I was on my stomach looking forward to my blow job when I rolled over.  He got on top of the table, spit on his dick and popped it in. I froze. I felt 8 years old again and trapped. It was awful. I didn’t give him any indication that I wanted penetration. We never spoke of it. I didn’t insinuate that I wanted it. There were no misinterpreted signals. He saw my bare ass and he took it. I couldn’t move. I had no idea what to do and just laid there. 
 
I agree that there is a rape culture in America.  I also believe that people find themselves in sexually charged situations and freeze. I think when you have a little bit of distance from the trauma, you realize that you weren’t giving consent.  I also think the regret is tied to the inaction. I was so mad at myself for not stopping him. I regretted not beating the shit out of him. 

I drown my anxiety in sugar. Have been grazing on candy every time I pass by the bowl. 😆

The new fixed rate for I-Bonds purchase from November 1, 2023 thru April 30, 2024 is 1.30% plus the inflation rate.  At least your purchasing power is maintained and a 1.30% rate of return on top of that.  Savings Bonds are really a long term investment IMHO.   
 
Treasury Department announces new Series I bond rate of 5.27% for the next six months
WWW.CNBC.COM The U.S. Department of the Treasury announced the new rate for Series I bonds through April 2024.  

Welcome "Dan".  

My only issue is whether I have enough candy.   Not expecting a huge number of kids,  much like my previous neighborhood,   but I'll be ready.    
I'll have one of my beagles dressed up as well,   we are the reception committee.

Met this young man earlier this week - fun and friendly guy with a great attitude.  He doesn't host but was happy to come to my hotel in NYC.  A little younger than I usually go for, but no regrets here.  Ask for face pics - he is handsome but being discreet.  I guess I would call his body "twinkish" and slim...he speaks softly and carries a big stick! English skills are great, very polite and had no problem communicating.  Would definitely see him again.  
https://rentmen.eu/SlimBoy_BR

I drown my anxiety in sugar. Have been grazing on candy every time I pass by the bowl. 😆

It actually is when you are on a personal device like a phone or tablet.  But thank you for your opinion.  

let's stay on topic hung massuer NYC please

Sorry, I am not buying that. He has 40+ positive reviews on Rentmen. And he is 20 years old…at 20 years old you get hard when you see a box of kleenex. 🤔


 

That is just mean! 😆 I would definitely toilet paper your house!! 

I drown my anxiety in sugar. Have been grazing on candy every time I pass by the bowl. 😆