#Antiquing is how i know you are gay meme how to#
It was tough, but I feel so much better now that I can be myself around them!” Scroll down for more tips, like how to ask someone on a date if you’re not sure of their sexuality. For example, you might say, “I came out to my parents last year. If you can’t tell by observing them, try bringing up topics related to LGBTQ issues and see how they react. For example, a woman who has a buzz cut or dresses in masculine clothing isn’t necessarily gay. Keep in mind that you can’t judge whether someone is gay by looking at things like their style of dress or voice. For example, they might say things that suggest that they’re attracted to people of the same gender, like, “Wow, he’s got great abs!” or “She looks so hot in that dress.” If they’re not open about their sexuality, they might avoid talking about their love life or use gender-neutral terms like “they” when describing their crushes or partners. Stop being insulted by every little thing, suck it up. This is really bad you guys, but it made me laugh way too much. But they did get the loan.It can be tricky to tell if someone is gay without asking them directly, but sometimes their behavior can give you clues. The Forest Whitaker eye can also happen when you watch one of these most offensive memes.
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“It threw them for a loop,” says Simpson. It took a while to get the lender to even understand that they weren’t simply business partners. We used population-based data to comprehensively examine disability among lesbian, gay, and bisexual adults. Pam Simpson, a teacher from Cortlandt Manor, New York and one of Lee’s clients, remembers that seven years ago when she and her long-time partner, Janet Gillespie, were refinancing their New Hampshire vacation home. Before, that kind of dialogue wasn’t even happening.” “Here are the needs, here’s where LGBT clients need help, let’s get started. “These are areas where advisers still need to get skilled up,” says Prudential’s Meyer-Shipp. For planners who are used to ticking off one-size-fits-all boxes, like retirement savings or emergency funds, that figure might be unsettling. That would explain one of the survey’s key findings: That barely 25 percent of LGBT individuals think their financial planning needs are similar to those of the population at large.
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It’s a lot of information, and it can get very tricky,” Lee says. And some of this changes with every state. You have to talk about divorce, and wills, and estate-tax exemptions. “You have to talk about benefits for surviving partners, about tax treatment for regular marriages or domestic partners, about health directives. A vice chair of OB/GYN at New York City’s Jamaica Hospital, Sylvestre and his partner, David, are working through a thicket of tricky issues - including setting up an estate plan if one of them passes, and ensuring that their 2-year-old son, Tristan, will always be provided for. Those concerns are why Georges Sylvestre has been getting his financial house in order. There is room here for financial companies to address the retirement planning needs of aging gay couples, and they do not all seem to be filling that space. They worry about retirement savings, don’t have a whole lot of confidence in their preparedness and they don’t want to outlive their cash.īut they have additional particular concerns: how taxes for same-sex couples are treated and how Social Security and pension benefits accrue (or don’t) for surviving partners. LGBT Americans have the same core financial concerns as everyone else. “It’s a very complicated space, and there’s often a lack of awareness from financial advisers and institutions.” “We found that nine out of 10 LGBT individuals have never even been approached by an adviser who offered guidance or planning for their specific needs,” says Michele Meyer-Shipp, vice president and chief diversity officer for Prudential Financial. They have a higher median household income than does the general population, $61,500 compared with $50,000, and tend to have more discretionary income. It’s a missed opportunity for the industry, since members of the LGBT community are generally in robust financial shape, according to the Prudential findings. And looking ahead over the next two years, 47 percent expect this performance to remain just as dismal.
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For institutions hoping to tap into this lucrative market, the numbers are a serious wake-up call.Īsked to rank the industry’s attention to their financial needs - 0 being poor, 10 being excellent - 63 percent of respondents gave financial institutions an anemic score of four or less. They flunked.įinancial giant Prudential Financial Inc today released an online survey of more than 1,400 Americans who identify as lesbian, gay, bisexual or transgender. NEW YORK, November 14 (Reuters) - How well do financial planning firms respond to the needs of the LGBT community? The report card just came in.