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Everything posted by Vegas_Millennial
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My therapist knows. Hiring or getting paid for sex is not an insecurity for me or a hangup for my therapist. It is a part of who I am and what brings me joy. He also rightfully agrees that we all pay for companionship in one form or another. My therapist has helped me mentally deal with things that I wanted to change such as alcohol consumption and my work performance. For example, he'll bring up how I don't need alcohol to talk with an escort, so I should be able to talk with strangers at a bar without alcohol as well.
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What is something bad you have done with no regrets?
+ Vegas_Millennial replied to + 7829V's topic in The Lounge
In my sophomore year of high school, I skipped school for half a day and went to the beach with a classmate -
It must be working, if it's so discreet that most people aren't noticing it 🤣
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A young stripper or escort who says he maximizes his Roth IRA contributions
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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.
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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.
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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.
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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!
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What is ur favourite GAY SEX position???
+ Vegas_Millennial replied to Mickey-Lee's topic in The Lounge
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.
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Long Term Care Insurance
+ Vegas_Millennial replied to Rod Hagen's topic in Personal Finance & Investing
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.
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Long Term Care Insurance
+ Vegas_Millennial replied to Rod Hagen's topic in Personal Finance & Investing
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. -
Questions to ask a new broker
+ Vegas_Millennial replied to Cooper's topic in Personal Finance & Investing
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) -
Leak NYC, the Victoria Secrets from men...
+ Vegas_Millennial replied to + glutes's topic in The Lounge
Or just a fashion cock ring -
Leak NYC, the Victoria Secrets from men...
+ Vegas_Millennial replied to + glutes's topic in The Lounge
I find a good old fashioned jock strap more appealing -
I agree. But those were the figures presented by my employer's retirement management firm. Personally, I plan to remain in 90/10 stocks/bonds even into retirement. But my situation is unique in that I'll have an inflation adjusted pension to rely on that should cover 100% of my "needs". Therefore my investments only need to cover my "wants". In retirement, I don't plan on having more than 1 year of expenses in stable value. But if I didn't have a pension I may think otherwise.
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Something I read. It was provided to me by my employer's retirement management firm.
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Attention! - 19th Annual Palm Springs Weekend, 2022
+ Vegas_Millennial replied to + Oliver's topic in The Lounge
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
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I'm 39. My retirement accounts are 90/10 stock/bonds split. Even at 58 and retiring at 65, you don't plan to withdraw and spend 100% of your retirement fund at age 65, do you? You're going to want to leave much of it in stocks to grow and outpace inflation to withdraw when you're 70, 75, 80, 80+. Bucket 1: 1-7 years. How much are you going to withdraw in the next 7 years (right when you turn 65/66). Keep that amount in a stable value fund such as money market. Bucket 2: 8-15 years: How much are you going to withdraw in 8-15 years (ages 65-73)? Keep that conservative, but still keeping up with inflation. Think mostly individual bonds, and maybe some boring stocks like S&P500 index. Bucket 3:. 15+ years. Invest away! All sticks, mix of US and foreign, developed and emerging markets, small cap and large cap.
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