Vegas_Millennial

The Chat failed to mention California Prop 13, which caps increases in property taxes to 1% each year. I don't know if that applies to rental properties or not. The Chat also didn't compare after tax dollars of both investments. For investing, you can assume most of the earnings will be subject to lower capital gains tax rates. For the house, it's a complicated game of deducting depreciation from the rental income as you rent, then paying taxes on it all when you sell, albeit still at the lower capital gains rate. The rental income itself would be taxed at higher personal income tax rates. The real benefit in real estate is if you intended to leave your assets to heirs. Your heir could sell the house the day after the title is transferred to him, and he wouldn't owe any capital gains taxes because the base value of the house is reset when the asset transfers in probate. Unlike stocks, where he would owe capital gains based on the difference between what you paid for the stocks and what price he sold them at.

This ☝️ Invest in what you know. Most people know the concept of being a landlord from playing Monopoly, but they don't know a thing about stocks. If you are comfortable with index funds, for example, but uncomfortable about real estate, then choose the index funds. You can also do a little bit of both (owning stocks and real estate), by finding a REIT (Real Estate Investment Trust) which is a type of mutual fund that must invest in real estate for rent, and then returns most of the income as dividends to the shareholders. REITs received favorable tax treatment, so they tend to slightly outperform s&p500 index funds. But, you'll pay higher taxes on the dividends returned each year instead of the lower capital gains tax rate, so REIT are best kept in Roth accounts. 10% of all my Roth accounts are in REITs, so I will always have some exposure to investments in the real estate rental market.

Back in 2022 I may have agreed with you. But in my last visit a month ago, the dancers were really taking care of me in the private dance area. Maybe because word has gotten around that I'm a regular during my annual week-long visit.

I will need to remember this phrasing. I've often asked dancers if they "provide outcalls to my hotel", but I like your phrasing much better. It is more subtle in case the dancer does not escort, and it also puts the bargaining in your favor if the answer offers to join you at your hotel. All of a sudden he's trying to sell himself to you, and you just have to agree to a price. That's a much better negotiating position than trying to persuade him to come home with you when he hasn't mentioned he's even open to it yet.

It's "time" to hire him?!

Also add liquidity into your decision. If in a few years you need or would like $100K, you can easily sell that much of your stock investments and get the money within a few days. The only way to get that money out of real estate is to sell the whole thing, when timing might not be best for you and is time consuming. Or, you can go through the time consuming process of obtaining a cash-out mortgage on the home; but, now you're hurting your real estate investment numbers even more. The information you shared above already points to stocks... The liquidity factor for me pushes me solidly into the pro-stock camp.

The typical barbershop knows how to spell "Cash". Not sure what the "Cache" price is for, unless you want your hair stored away for future use.

I usually hire for Father's Day, my Birthday, and Christmas. I have never hired for St Valentine's Day, because quite frankly I forget about that holiday because it holds no special meaning for me. The same with St Patrick's Day.

Bottoms make great tops!

I had similar massages with Vlad in 2024. I will continue to see him when I return to New York.

I have had multiple good appointments with Vlad. www.masseurfinder.com/massage-therapists/44728/

And, while the United Healthcare CEO was not unattractive, if more CEOs looked like Luigi or other fit men in their late 20s and featured in their advertising, the crowds would salivate over these corporations and easily handover the money to be a part of a company that looks sexy

I've met some nice gay men at church. They are usually more stable and grounded than men you'd meet at parties and clubs.

Life experience. I remember a political conversation I had when I was in my 20s. My father, rather than argue with me in public, simply said "That's a very innocent way of looking at things". I knew instantly what he meant: There was some more information out there that I wasn't exposed to yet. He understood my viewpoint; but, also new things that I didn't know at the time. I can agree with Horace Vandergelder in "Hello, Dolly!": "Well, a man's not worth a cent until he's 40. We just pay him wages until then to make mistakes." That may be; nonetheless, the other person may have a better point of view or simply a different priority of values than yourself This goes both ways. It appears you are frustrated that he got the last word after you intended to get the last word by declaring "I'm done" as your last word The same way I would handle it if a young gay man insisted on repeating the same opinion over and over... Walk away... Even if he keeps talking and gets in his last words

When I was younger and still getting myself established, I went without Umbrella Insurance. Now that I have some assets, I won't go without Umbrella Insurance.

Ah--- in that case, I agree with the sentiments further up that says it is unnecessary. No need for question marks either. "CumSlutXS in Cincinnati" is all that is needed for a subject line. Maybe "CumSlutXS in Cincinnati, great at watersports" would help. Adding "411" or "Any experience?" is pretty much assumed.

Creating a review to share with others is paying it forward without being asked. I'll often hire someone that has no reviews, and then create a thread on the provider including his RM name and home city in the subject line, a link to his profile in the first post, and my positive or negative experience with the gentleman. Similarly: When I visit a restaurant, I may leave a review on Yelp or Google maps, etc., shortly after I patronize the establishment. I would never think of posting a review on a restaurant that I haven't tried, asking "Anyone on Google Maps have information on this restaurant?" To each their own.

I've observed that the number of curse words used is inversely proportional to one's knowledge. To get back on subject, there's no way in bloody 'ell I'd pay extra for a Brazilian in London.

Pizza used to be a common fast food for large groups at my house. Now, it has become increasingly harder to order by telephone or even in person. Domino's and Pizza Hut and Papa John's are requiring ordering through their website or app, or they didn't honor any sales prices when ordering by telephone. It's just not as convenient as it used to be, so I choose other alternatives instead

Maybe I'm an outlier, but I don't receive much benefit from comments like "He looks hot" or "Doesn't list kissing" or "Anyone have more recent information?". When I have a good or bad experience with a provider, I share it shortly after my session. I do not wait for someone else to ask about a provider before I share my experience. From my observations, over 50% of the posts inquiring about someone new yield no comments of value, unlike posts which start with sharing a recommendation.

Thank you for sharing; what is your experience with him? Do you recommend him?

I'd go one further, and advise not to post a blank "411" about a provider unless you have personal experience with him and have something to share. Most of them yield fruitless bumps and replies with no experience anyway. During your personal experience, you'll get to know the provider and ask where he's normally based, then create a thread starting with whether you recommend him or not.

You may get more responses if you include his home city in the subject title.

I have not yet had sex with my dentist. But all of the others, yes. I like to consider sex part of the usual gratuity exchanged at Christmas 🎄 between labor and management