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I know I'm generalising and beauty is subjective and all that but given the sheer number of Romanian girls working in Germany as prostitutes, I have really been unable to explain how, on average, most of them are damn attractive! I don't think I've ever seen let alone fucked a Romanian girl in an FKK club or brothel who was less than a 7, ever.
I've not been to Romania but is it like that too on the streets: do you see a high proportion of good looking girls with great slim bodies?
DI, you give me too much credit. I am much more selfish than diplomatic. Although, interesting to hear both sides of the "universal health care" argument, I am more concerned about the number crunching, so I can make an apples to apples comparison. Even within a single country like the USA, there are multiple ways to structure compensation. Breadman mentioned employee (W2) vs independent contractor (1099). Other things that add complexity when weighing compensation are stock options, and adjusting for cost-of-living.
You and UltraHappy seem to have thought it out, concluding that the premiums are too high, and it's better to just play the odds. I suppose the hope is that if you ever do get injured / sick, it will only keep you out for 90 days or less--meaning you would never need anything beyond short-term disability.
Here are some stats for you though:
Male, age 35,5'10", 170 pounds, non-smoker, who works an office job, with some outdoor physical responsibilities, and who leads a healthy lifestyle has a 21% chance of becoming disabled for 3 months or longer during his working career.
Average LTD claims: 31.6 months.
Quite a long time to have zero income. Those quotes must have been pretty high for you guys!. Btw, I am not trying to second guess you guys' decisions. You two seem to be much more informed on financial planning than I am, so more like I am fishing for financial advice, so that I never have to curtail my mongering...
[QUOTE=DeltaIndigo;1789499]You are being very careful and diplomatic, but many aspects of health care in the US are far from ideal to say the least. If you are quite wealthy, the quality of the health care is second to none and I won't dispute that. Secondly there are many politically powerful interest groups that fight any change to the health care regime and they have managed to shape the political culture in the US debate to make substantive changes to the health care system politically unviable.
This long term disability care is available in the US, but it is very very very expensive, and the real reason many people forgo it is due to cost and not choice. Given the wealth of data you have about medical emergencies being the overwhelming factor behind personal bankruptcies in the US, you would except many people who are at all risk averse, and not into playing Russian roulette to pay for this kind of insurance if they could afford it..[/QUOTE]FKK cost. Marriage cost.
FKK sexual satisfaction Marriage sexual satisfaction.
FKK freedom Marriage freedom.
Chance of being more wealthy fucking in FKK culture Just focus on marriage culture.
Chance of getting sick in FKK due to stress. Chance of getting sick during marriage due to stress.
Chance of getting std in FKK chance of getting std from your marriage.
As I illustrated above formulas, FKK out-stand marriage in every manner. As for last formula, I have been to FKK for years, but I never had any std and never really heard of std from fellow mongers.
By looking at above formulas, I conclude mongers! Keep on mongering, it is the lifestyle to choose!
Marriage? Why do you want to own middle age personal prostitute for millions dollars through out your life? Love? LOL.
[QUOTE=Sybarite2006;1789573]I know I'm generalising and beauty is subjective and all that but given the sheer number of Romanian girls working in Germany as prostitutes, I have really been unable to explain how, on average, most of them are damn attractive! I don't think I've ever seen let alone fucked a Romanian girl in an FKK club or brothel who was less than a 7, ever.
I've not been to Romania but is it like that too on the streets: do you see a high proportion of good looking girls with great slim bodies?[/QUOTE]Not my favorite, but I do get what you mean.
For me, Romanians cover Latino type looks, tanned, hot body kinda thing. I love doing them from back hard.
My personal experience is I used to run into lots more hot girls of varying nationalities in the past. The thing is majority of the club girls are Romanians currently, and given the percentage, you are bound to run into ones that are like-able and pretty. It's all matter of taste yes, and depends on the pool. Some pool may have the ones that fit your taste more so than others. I've just been luckier in the past with non-Romanians. Quite a few that I would consider stunning. I think if you start to not run into them, your standards in picks drop. Who you pick out is pretty much relative to the quality of the pool.
Most guys I've talked to told me that it was better back in the days with lot more variety. I wasn't around to witness it so, I just take various opinions as just words. Running into stunners has pretty much dropped over the years for me, so based on that it's plausible.
[QUOTE=PussyLiccker;1789908]My personal experience is I used to run into lots more hot girls of varying nationalities in the past. The thing is majority of the club girls are Romanians currently, and given the percentage, you are bound to run into ones that are like-able and pretty. It's all matter of taste yes, and depends on the pool. Some pool may have the ones that fit your taste more so than others. I've just been luckier in the past with non-Romanians. Quite a few that I would consider stunning. I think if you start to not run into them, your standards in picks drop. Who you pick out is pretty much relative to the quality of the pool.
Most guys I've talked to told me that it was better back in the days. I wasn't around to witness it so, I just take various opinions as just words. Running into stunners has pretty much dropped over the years for me, so based on that it's plausible.[/QUOTE]Basically we need more global crisis in eastern Europe and middle east, which also affect German economy and FKK line up because Germany is now global dump for those who want to leave their own nation.
Let FKK, be escape field for the beautiful girls sector of those who want to fee their countries due to crisis of all kind.
I feel oblige to teach them what democracy means at German FKK! This is my way of giving back to society economically and also physically.
[QUOTE=PussyLiccker;1789908]My personal experience is I used to run into lots more hot girls of varying nationalities in the past. The thing is majority of the club girls are Romanians currently, and given the percentage, you are bound to run into ones that are like-able and pretty. It's all matter of taste yes, and depends on the pool. Some pool may have the ones that fit your taste more so than others. I've just been luckier in the past with non-Romanians. Quite a few that I would consider stunning. I think if you start to not run into them, your standards in picks drop. Who you pick out is pretty much relative to the quality of the pool.
Most guys I've talked to told me that it was better back in the days. I wasn't around to witness it so, I just take various opinions as just words. Running into stunners has pretty much dropped over the years for me, so based on that it's plausible.[/QUOTE]Now that I think about it, not all, but a lot of German girls I fucked are second or third generation from else where immigrant like from Armenia, turkey, Albania or where-ever. We all fuck immigrants first generation or not in FKK. (some are fortunately, white Germans).
So we as mongers should support Merkels decision of making Germany dump for immigrants because it affect LU of FKK for us mongers who like to taste exotic-ness time to time.
Immigration to Germany is good thing for well being of us mongers! We will fuck them soon or later.
I do enjoy fucking Muslim girls. My way of fighting war against terror.
[QUOTE=Sybarite2006;1789573]I know I'm generalising and beauty is subjective and all that but given the sheer number of Romanian girls working in Germany as prostitutes, I have really been unable to explain how, on average, most of them are damn attractive! I don't think I've ever seen let alone fucked a Romanian girl in an FKK club or brothel who was less than a 7, ever.
I've not been to Romania but is it like that too on the streets: do you see a high proportion of good looking girls with great slim bodies?[/QUOTE]They are a particularly attractive bunch and the ones in FKKs are not the absolute best ones in all likelihood, if you feel this way you should visit Bucharest, the girls have told me the same. I haven't been to Romania but have travelling extensively in the region. Have you ever been to Bratislava, there are loads of very attractive women all over the place, tall and thin (taller than Romanians on average. A lot taller).
I have been told Bucharest is even better.
US has no healthcare.
EU still has a class system.
If you think either of the above are untrue for practical terms, good luck to you.
FKK is cheap because Germans are cheap and Romanians are poor.
Some of the girls are so poor and stupid they think their clients are mostly rich.
[QUOTE=MrHo;1789752]FKK cost. Marriage cost.
FKK sexual satisfaction Marriage sexual satisfaction.
FKK freedom Marriage freedom.
Chance of being more wealthy fucking in FKK culture Just focus on marriage culture.
Chance of getting sick in FKK due to stress. Chance of getting sick during marriage due to stress.
Chance of getting std in FKK chance of getting std from your marriage.
As I illustrated above formulas, FKK out-stand marriage in every manner. As for last formula, I have been to FKK for years, but I never had any std and never really heard of std from fellow mongers.
By looking at above formulas, I conclude mongers! Keep on mongering, it is the lifestyle to choose!
Marriage? Why do you want to own middle age personal prostitute for millions dollars through out your life? Love? LOL.[/QUOTE]You were not lucky in your life if You compare fucking a prostitute and taking care of a woman. Since my mother, I was lucky to meet and live with some exceptional women and I can only thank them for all love they gave me for free, that s why I love so much women and FKK girls or escorts feel it. 5 years ago, I would never gone to other girl than my GF, I didn't need, she gave me all I needed and I was lucky with her for love and sex. All women give from how you behave with them. For most of them, when You communicate, surprise them, make them feel pretty, they kiss you all the time and when You come back late from work, ask you to fuck them, before sleeping, even you are tired or stressed. Women still in love are jealous and want to be sure her man is only for her. You just have to behave to get your woman in love for you, it s a job, but so much pleasure when it works, rather than fucking a prostitute even some are exceptional, but not same feeling, complicity, intimacy than with a woman who gives you her soul, who trust you to "die" for you, in sexual pleasure.
[QUOTE=MrManGuy;1789962]US has no healthcare.
EU still has a class system.
If you think either of the above are untrue for practical terms, good luck to you.
FKK is cheap because Germans are cheap and Romanians are poor.
Some of the girls are so poor and stupid they think their clients are mostly rich.[/QUOTE]And we buy them all at FKK LOL.
Germans, Hungarians, Romanians, Muslim, Latinos, Russians, Slavs of all kind, no problem, I love premium asses of all colors LOL.
It is all for sale LOL capitalism at its best.
Got to love FKK.
[QUOTE=PussyLiccker;1789908]
Most guys I've talked to told me that it was better back in the days with lot more variety. [/QUOTE]More variety. Yes. Was it better. No. Different.
Hb.
[QUOTE=HessenBub;1789991]More variety. Yes. Was it better. No. Different.
Hb.[/QUOTE]+1.
HB says it all again. Stop dreaming about the past.
[QUOTE=MrManGuy;1789962]Some of the girls are so poor and stupid they think their clients are mostly rich.[/QUOTE]I'm not sure they do. One FKK girl told me once "no rich men come here, only cheap men". She said rich men went to "highclass clubs" in Germany. She couldn't name such a club but she seemed to have a good understanding that she was prostituting at the lower end of the scala. I think if girls were genuinely convinced we're loaded we would get marriage proposals more often.
The girls know that rich doesn't equal big spender.
HB.