Vegas_Millennial

Bank deposits are at an all time high, even with close to zero interest rates.

A young stripper or escort who says he maximizes his Roth IRA contributions

I saw a "resort fee" and immediately passed. Just raise the price. Resort fees are a hard "pass" for me. But the hotel looks lovely and I wish them the best of success. We need more naked men's hotels.

That's an acceptable number to me. I would not be shutting down lives and livelihoods for 1 in 500 on earth. Back in April 2020 I assumed that my risk of death or severe lifetime side effect from living my life unchanged during the Wuhan virus spread would be 0.5%, or about 1 in 200, which was similar to polio outbreaks. I was willing to do my part and stay 6 feet away from others except during sex. I'm glad we now have the vaccine and this chapter can be put behind us. The experts can now focus on more life threatening issues such as a cure for the common cold, depression, and making up for the educational development loss from distance and masked learning.

That's not what Dr Wachter said in his chirp. He said it is fine to not wear a mask in a crowded indoor space if you are okay with catching the virus. And, no, I and most others shouldn't care if someone catches the mostly assymptomatic virus at this point. We stayed home to flatten the curve and spare our hospital beds from reaching capacity, and we developed a vaccine for the world to use. It's done, move on.

This is great news and advice! I'm glad asymptomatic cases are on the rise, as opposed to life threatening cases. I am definitely Okay catching a virus that has little to no affect on the human. If only we can change the common cold to become asymptomatic as well! I will be following this leader's recommendation of keeping mask off in crowded indoor spaces. Thanks!

My position on gay sex is "pro".

It would be interesting to compare changes in life expectancy in locations with more restrictions vs fewer restrictions.

Very true. But those terms are nearly impossible to find these days. When I was shopping for LTC coverage about 8 years ago, all policies had a limit of 3 years of lifetime benefits. That limitation swayed me to not purchase LTC.

Ask the people of Shanghai how that's going. Conversely, I believe we'll find that the rules and lockdowns caused more long term health problems to society than the virus itself ever could have.

I looked into LTC coverage in my early 30s. I did the math and it made sense to use the money to maximize my Roth IRA contributions instead. They both would yield similar financial returns should I actually qualify for a LTC disbursement, but there's a 50/50 chance that I would not need LTC. At least with a Roth IRA I'd still have the money to use on other things or leave to my estate, should I not need the care. The only way the math wouldn't favor retirement contributions is if I needed the care when I was young and the Roth IRA didn't have time to grow before it was needed. However, I discovered my employer already provided me with robust short term disability, long term disability, and medical early retirement pension provisions. Therefore, I'm not buying LTC insurance.

This advise mostly applies to interviewing a financial advisor, but I suppose it could be adapted to brokers as well: 1. How are you paid? (If she won't tell you clearly, run. If she receives commissions from companies or products instead of from you, then she has an incentive to be biased towards products with higher comissions) 2. How were you invested before and after the 2009 crash? (If she's too young to have been working at that time, find someone else. Anyone can make money when stocks are going up. You want to find someone who didn't panic and had a strategy that you can agree with before, during, and after a major recession) 3. Listen to the questions she asks YOU. (What are your goals? Are you married? Will you be moving? What are your sources of income (rental homes, pensions, part time jobs)? Do you want to leave a legacy through charitable giving? Do you have other people who are dependent upon you for income? If she doesn't ask these things and goes right into suggestions to change your portfolio, leave. She needs to know the entire picture of your life and estate goals before she can adequately advise)

Thank Goodness Oliver let me pay him in cash. I still carry a wallet with cash and a checkbook. I'm able to write my travel agent a check, and he takes care of my hotel/airfare/cruise bookings.

Or just a fashion cock ring

I find a good old fashioned jock strap more appealing

I won't take credit for the idea, but thank you for the compliment!

I just saw Matteo while visiting Palm Springs. He responded to my text message within 30 minutes, and we scheduled an appointment for later that evening. He's a little less muscularly defined than his pictures, but the session was good. Nice uncut long thick tool. He made me very happy. He is a decent kisser. Just as importantly, he has a nice attitude. I will most likely see him again

The trick is to always owe them, not have them owe you. They have an incentive to open the envelopes and cash the checks payable to them before they get around to issuing checks payable to us.

I always adjust my withholdings so that I owe them money, and don't expect a refund. This year I mailed my tax return with check on March 8, and the IRS cashed my check on March 14. Fast and easy.

I attended Wednesday ametuer night at LeBoy in February. There were about 7 guys competing, and 2 of them were hired to come back in the future. Let me just say this: watching the ametuers made me appreciate the professionals. Don't go out of your way to go on ametuer night.

I find paper tax forms with the instruction booklet the easiest to use. No internet connection required. It's a little too late to have the tax forms mailed to you from the IRS, but you can pick up the forms and instructions you need at the local IRS office, and some public libraries.

How do trees feel in the spring? Releaved

I always carry a few postcards and postage stamps in my carry-on luggage, just in case the power goes out and I'm stranded or delayed away from home and need to communicate with my emergency contacts back home.

It depends on the airport. Some airports are set up where each airline is responsible for the operation and maintenance within its terminal. This was the norm with older larger airports, notably JFK. McCarran Airport (LAS) pushed the envelope by having the Airport operate and maintain all of the facilities, and merely charging the airline per gate/counter they use. Today, most airports follow the McCarran model.

That's happened to me many times, including from a massuer. They'd rather have the steady repeat business from a good customer then the one time infusion of extra cash. Someone refusing a tip gets brownie points from me. For most self employed providers, I don't tip because they set their own rate and that's factored into why I hire them. But I'll tip if they go over time, or accommodate my arriving late due to traffic, etc.