German FKK Clubs - Lounge and chat area

[Escape Artist]

The 'problem' with Miami is most areas are poor immigrant areas unless they're rich immigrant areas. Latin Americans are perhaps two thirds of the resident population and Haitians are a significant part of the black population. Miami Beach has lots of Jews.

So whilst I would agree with you about being able to use English everywhere I still would question how integrated you would be without Spanish or being Jewish (or Haitian.).

Granted, my experiences with Miami are mostly from Miami Beach and Brickell but even there Spanish is the de facto dominant language. YMMV of course.

Yeah, I think about two-thirds of Miami city proper identify as Hispanic. But when you move past central Miami to Coconut Grove-BiscayneCoral Gables-Fort Lauderdale, it becomes more non-Hispanic white, closer to 50% in those other areas. It's kind of like if you took the demographics of Chicago or Atlanta city proper, it would be mostly black, but when considering the entire Metro area of those cities, they are majority white metro areas.

But yeah, Latin culture is prevalent and you can hear Latin music everywhere; yet I would say strolling along Washington Ave in Miami Beach, 2 out of 3 bars are playing popular English language music. Televisions are set to English speaking stations.

Side note, I always find it funny that Jewish is often classified as separate from white. I think nearly all non-Euro-Anglo-American people consider Jews outside of the indigenous Jews in Israel as Caucasian.

[BobNSuzy]

If you financially need to worry about government handouts and games then you not be engaging in this expensive hobby. There are plenty of low class people that own a vagina easily bought for a few drinks by a half presentable man with basic manners. They live in a sea of losers. Just avoid any commitment.

I don't think it is expensive.

[Escape Artist]

What possible reason could I have for making it up? You know the Inflation Reduction Act of 2022 affects the subsidies until 2025. You are the guy saying there has been no change to them. There was in fact a Pandemic Recovery Act of 2021 and someone with an income of over $100,000 still got subsidies. You are the one in error. I don't even think you know how it works. You make a good faith estimate of your income every year unless you let it carry over and your subsidy is based on your estimate applied to your chosen plan. You can choose any of the different levels. You can choose Bronze, Silver or Gold. I actually think you are playing with me or someone is trying to collect data. The plan is irrelevant to the subsidy. It is baffling that you think I am fabricating it.

Who knows why people fabricate things but I do know that there is no such thing as Pandemic Recovery Act of 2021.20 K-ish income for free insurance and 55 K-ish income for subsidized insurance at the Federal level.

Like I said, basic sniff tests would anyone that the federal government isn't giving free insurance to someone making $50 K which is above the national median income.

If you can get this free insurance you speak of, or 100 K income subsidies, I have hundreds of uninsured lower income patients that would love to be connected to your magical connection.

[Mr Ho]

In short, HMO's and "non-profits" like Kaiser make obscene return on capital once all the accounting tricks are stripped bare. It is designed to fleece the population. Key to this is lack of pricing data by the medical profession, until recently, preventing Medicare as a bulk buyer negotiating prices on drugs (taxpayers held down and raped). It is also done by pretending employees with "free" healthcare, but really means they get lower wages times exponential compounding interest over their lifetime. It is one giant sucking sound with a variety of actors and supported by the collective voting of bought of local two-party franchise owners, known as congress critters.

The tax subsidies and games merely disguises the true costs to the community. As much as I despise the man, Trump forced by presidential decree for hospitals to disclose their costs for cash payers, bullshit retail list prices and what the insurers actually pay (google hospital transparency and Trump). This reveals up to 2,000% price variations for the same treatment in the same hospital and makes it clear the medical profession games insurers and patients alike with opportunistic, opaque pricing and padded bills. If you look at health care in the USA as GDP to other countries you can see how bad the parasitic load is. As an investment, these HMO's companies are great, albeit immoral. The optimal play is medical tourism and making sure you have asset protection in the event of a catastrophic medical bill. Or live in a civilized country where health care is as much as part of being a citizen as critical services like police, roads and being able to go about life. Only in America is it marketed for fun and profit, though changing demographics, like the wholesale loss of jobs with benefits can dent it..

I agree with I denounce Trump as men and how he carry himself in public or how he conduct election campaign, but him in White House do accelerate many good thing whether it is in market or system, in society it is doubtful and divide people and also Trump put brake on a lot of bad things in the world like Ukraine would have never happened if Trump is in White House because people think Trump is nuts LOL! So they would wait till Trump is out of office till make some bad moves! Which is what happening right now around the world! He is disgusting as a man, but he is a good brake system for the world and accelerator!

[Mr Ho]

If you financially need to worry about government handouts and games then you not be engaging in this expensive hobby. There are plenty of low class people that own a vagina easily bought for a few drinks by a half presentable man with basic manners. They live in a sea of losers. Just avoid any commitment.

Mongering is a real immune booster for me as it makes me feel amazing, it is stress relief, self esteem strengthening, raise my good life awareness that I am grateful for, make me feel alive and also above all, it make my immune system so strong as I lick stunner anal, pussy, drink their pussy juice, they spit in my mouth among other liquid bacteria exchanging that such dirty acts between human make ones immune system stronger LOL! It makes you sick, but if you survive out of that sickness or flu, it makes your immune system stronger anyways LOL!

This is all true scientifically LOL!

[Pahllus Maximus]

If you financially need to worry about government handouts and games then you not be engaging in this expensive hobby. There are plenty of low class people that own a vagina easily bought for a few drinks by a half presentable man with basic manners. They live in a sea of losers. Just avoid any commitment.

[BobNSuzy]

Well if that is true, then you must report an income of less than $20,600 per year, claim dependents / spouse, or have a disability.

This free insurance for $40 K and $100 K earners remains nonsense misinformation.

Wrong, I would think someone would able to fact check whether it was possible to earn $100,000 and get a subsidy in 2020 or 2021. The person to ask would probably be an accountant. Anybody an accountant?

[Pahllus Maximus]

In short, HMO's and "non-profits" like Kaiser make obscene return on capital once all the accounting tricks are stripped bare. It is designed to fleece the population. Key to this is lack of pricing data by the medical profession, until recently, preventing Medicare as a bulk buyer negotiating prices on drugs (taxpayers held down and raped). It is also done by pretending employees with "free" healthcare, but really means they get lower wages times exponential compounding interest over their lifetime. It is one giant sucking sound with a variety of actors and supported by the collective voting of bought of local two-party franchise owners, known as congress critters.

The tax subsidies and games merely disguises the true costs to the community. As much as I despise the man, Trump forced by presidential decree for hospitals to disclose their costs for cash payers, bullshit retail list prices and what the insurers actually pay (google hospital transparency and Trump). This reveals up to 2,000% price variations for the same treatment in the same hospital and makes it clear the medical profession games insurers and patients alike with opportunistic, opaque pricing and padded bills. If you look at health care in the USA as GDP to other countries you can see how bad the parasitic load is. As an investment, these HMO's companies are great, albeit immoral. The optimal play is medical tourism and making sure you have asset protection in the event of a catastrophic medical bill. Or live in a civilized country where health care is as much as part of being a citizen as critical services like police, roads and being able to go about life. Only in America is it marketed for fun and profit, though changing demographics, like the wholesale loss of jobs with benefits can dent it.

By the way, the HMO's are steadily reducing the white coats pricing power, many of whom are effectively in gig work contracts. You should see some of the non-public investor presentations and analyst work. The real winners are stockholders, and if you look at the dividends and capital gains over the last 5 years you will get it. Obamacare was the greatest gift to HMO's that ever happened, I have no idea why republicans would oppose making $ for stockholders other than putting on a fake show. Trump did the transparency to shaft the hospitals pricing power and reward the big money. Good on him. Worked for me.

Still good buying I might add.

[BobNSuzy]

My claim:

Your article says this:

So the difference is that free insurance covers individuals making less than $20 K.

For individuals above 150%:

This means no free insurance for anyone making anywhere near the $40 K mark and certainly not the $100 K that you also claimed.

There is no reference to the Bronze plan because nothing has changed with it.

Too many false claims and misinformation.

What possible reason could I have for making it up? You know the Inflation Reduction Act of 2022 affects the subsidies until 2025. You are the guy saying there has been no change to them. There was in fact a Pandemic Recovery Act of 2021 and someone with an income of over $100,000 still got subsidies. You are the one in error. I don't even think you know how it works. You make a good faith estimate of your income every year unless you let it carry over and your subsidy is based on your estimate applied to your chosen plan. You can choose any of the different levels. You can choose Bronze, Silver or Gold. I actually think you are playing with me or someone is trying to collect data. The plan is irrelevant to the subsidy. It is baffling that you think I am fabricating it.

[Escape Artist]

Not only is my health insurance free they send me a refund on my free health insurance if the insurance company makes too much money.

They pay me to have insurance.

Well if that is true, then you must report an income of less than $20,600 per year, claim dependents / spouse, or have a disability.

This free insurance for $40 K and $100 K earners remains nonsense misinformation.

[Ararat]

That was a bit of an exaggeration. While Spanish is prevalent in US territories close to the border and in South Florida, English is still by far the predominant language. You would have no issues in Miami speaking only English outside of areas that are not poor, immigrant neighborhoods.

The 'problem' with Miami is most areas are poor immigrant areas unless they're rich immigrant areas. Latin Americans are perhaps two thirds of the resident population and Haitians are a significant part of the black population. Miami Beach has lots of Jews.

So whilst I would agree with you about being able to use English everywhere I still would question how integrated you would be without Spanish or being Jewish (or Haitian.).

Granted, my experiences with Miami are mostly from Miami Beach and Brickell but even there Spanish is the de facto dominant language. YMMV of course.

[Escape Artist]

Well you can tell her she is wrong. The American Rescue Act of 2031 increased the income cap. Also I have determined you are wrong about ACA not covering the cost of insurance in full. I am posting a link that says a lot of things related to it but supposedly the cost of a silver plan for everyone making less than 150% of the federal poverty level is covered according to the Kaiser institute. I personally see no need for a silver plan so the the number is higher than 150%.

https://www.kff.org/health-reform/is...rollment-2022/

Im sure there are better articles or links to prove what I say but this one would get someone started.

My claim:

To get free insurance at the federal level, that generally means an income of less than $13,000 and that only started during the pandemic.

Your article says this:

The dollar amount of premium tax credits increased and now fully cover the cost of enrolling in the benchmark silver plan for consumers with income up to 150% FPL.

So the difference is that free insurance covers individuals making less than $20 K.

For individuals above 150%:

ARPA also extended eligibility for premium tax credits to reach people with income over 400% FPL ($51,520 for a single person in 2022, $87,840 for family of 3). Now these consumers must contribute no more than 8.5% of income

This means no free insurance for anyone making anywhere near the $40 K mark and certainly not the $100 K that you also claimed.

There is no reference to the Bronze plan because nothing has changed with it.

Too many false claims and misinformation.

[BobNSuzy]

I was being somewhat polite as I am completely sure you are fabricating. Even asked the hospital social worker / case manager and she's calling bullshit on the claim. And even during the 2 years of pandemic, there was no rise in income cap besides normal inflationary increases. Grace period for paying premiums were extended. Special enrollment periods were created for people who lost insurance due to job loss. But no huge rise in cap and no new free insurance, only free covid related care.

Well you can tell her she is wrong. The American Rescue Act of 2031 increased the income cap. Also I have determined you are wrong about ACA not covering the cost of insurance in full. I am posting a link that says a lot of things related to it but supposedly the cost of a silver plan for everyone making less than 150% of the federal poverty level is covered according to the Kaiser institute. I personally see no need for a silver plan so the the number is higher than 150%.

https://www.kff.org/health-reform/is...rollment-2022/

Im sure there are better articles or links to prove what I say but this one would get someone started.

Not only is my health insurance free they send me a refund on my free health insurance if the insurance company makes too much money.

They pay me to have insurance.

[The Cane]

In the US a man can have a lot of sex if he is a celebrity (Elvis Presley, Wilt Chamberlin, Charlie Sheen) or a porn star (John Holmes, Ron Jeremy, Peter North). In my 20's I realized I could not be a celebrity so thought of being a porn star. Decided to go for an interview but chickened out at the last minute, thought about my family, relatives, etc.

The things we can learn about others here. I never thought about being in porn, but what I did think about was how I could fuck as many hot girls as they were, especially in the ass hahaha! You made the right decision. And, we both found other ways hehehe!

[Turgid]

The USA will put people in jail for sex, and thus it is cheaper to have sex in Germany at 50 euros each as compared to the USA.

Loot at the case of Ron J. Who in the porn industry was prosecuted 20 years after the fact!

In the US a man can have a lot of sex if he is a celebrity (Elvis Presley, Wilt Chamberlin, Charlie Sheen) or a porn star (John Holmes, Ron Jeremy, Peter North). In my 20's I realized I could not be a celebrity so thought of being a porn star. Decided to go for an interview but chickened out at the last minute, thought about my family, relatives, etc.