ellentonboy

I have to agree with you. I am not happy, at all, that my medical information is stored up in "the cloud" so to speak. How often do we hear of "clouds" being hacked? Quite a bit. What I find bewildering, is why does the optometrist at Lens Crafters need to know my HIV status. It seems a bit invasive. They want all this background medical information to write a script for contact lenses or reading glasses. You hand some clip board to a young woman, who you have never seen and will never see again, and she starts entering all this information into a computer. It has got to the point that I am hesitant to give out that information. I am sorry to hear your rates might escalate, it seems the premiums are going up, but so are the deductibles and copays, if those apply to you. At times, I hear what people who have great jobs and what they pay bi-weekly or weekly for health insurance and it blows my mind. For an American, if you are lucky to find a great infectious disease specialist who will take you Medicare and your secondary Medicaid insurance, you would be wise not to change doctors. The secondary insurance part is becoming more expensive and less likely to have decent specialists. Good luck!

Yes I know of at least two companies that will issue policies to poz men, but the rates are high and the payouts upon death are low. Like you mentioned your employer offering you a decent payout should you pass away while employed. I am finding employers who have a large number of employees usually offer the most generous policies, with low deductions from your paycheck and a larger amount of coverage.

I have to admit when I posted this I thought your answer was probably the most logical and correct. I called every doctor's office, social services agency, even Social Security and the Office of Personnel Management and was assured over and over that none of my medical records would be released to an insurance company. In fact, they assured me there were safe guards in place to prevent such things from happening. Those policies, and to be honest I can think of eight that I sold, were from some major companies like Met Life, for example. I can't imagine they were not recording the sales of these policies. It's just been a long time and I remember the last policy I sold was a small one, $10,000 and I had purchased that independently. There was no problem unloading that. The policy prior to that was through an employer who I specifically targeted because I knew they offered life insurance, I was hired and once the benefits kicked in, I resigned and was able to convert it to a whole life. The employer wasn't happy I abruptly left and even the personnel director asked me why she had a request regarding information on an "accelerated death benefit" sitting on her desk with my name on it. Well, sorry lady, I played dumb and said I was offered more money to go elsewhere. That policy paid out well, so it was worth the mediocre salary for 90 days when I got that wire transfer from the vatical settlement company after the policy was sold. I wasn't obligated to tell them I was ill and to be honest, I did my job and they offered it in their benefits package. The fact I checked off "2X my annual salary" did not raise any red flags. Now had I wanted 5 times my salary I would have had to submit to a medical exam and it would have been a cold day in hell before I agreed to anything like that. What I should have known is that eventually the gravy train was going to come to an end and eventually purchasing and selling individual policies would become a thing of the past. I suppose reality is setting in. I believe my only option is to find another job that offers life insurance and suffer through working for a third of what I am used to making just for a cash payout after 90 days. Thank you for taking the time to respond, I believe you gave me the answer I probably didn't want to hear. However, it's probably the right one!

In this particular instance there was no physical exam required. It was a simple yes or no on the HIV question. That's why there is the lingering question as to what information was shared and how an insurance company could deem someone unfit or uninsurable if they A. never examined the individual, or B. The individual never signed a release to give any medical or background information out to an insurance company. I know the coverage amount never exceeded $100,000 but it was for whole life. After two years of onetime payments the period of "contestability" expires and the policy can then be sold to a third party. We have actually thought of finding another insurance company so if rejected again, we can contact the company who provided the information that deemed the individual unsuitable for coverage. That's the real question here - what information was shared and by whom. Thanks for your response I appreciate it.

I was hoping to get feed back from BZ members if they have noticed an increased policing of poz men when it comes to insurance companies issuing life insurance policies. Full transparency here - back in the mid 90s up until 2002 I was one of the fortunate individuals who benefited from early payouts on life insurance policies. These policies, or the majority of them, were through employers and were part of my benefits package. In the initial case I sold mine back to the Federal government and was paid handsomely, the others were from at least two other future employers, one being United Health Care. For the record, at no time time did I misrepresent my health status in obtaining these policies. As mentioned, they came along with my salary and health benefits. When I left the Federal government, the FEGLI policy I had was paid at 96 percent of twice my annual salary. To this day, I am obligated to give my location, cell phone and doctor information to a third party who watches over policies that were sold in this particular fashion. I sold the other policies to a third party, and those companies are long gone, many due to fraud complaints. Again, I was honest with these companies, they had my labs and doctor's "notes" that are taken at the time you see your physician. Here is my question. 2002 was a long time ago, and from 1996 to 2002 the percentage of the face value I was paid by these third party companies decreased dramatically. The easiest policies to sell were those that guys had from their employers. At times, though it may sound goulish, I was actually given bonuses if I referred an individual to one of these companies and his policy sold. That happened maybe three times. Those gentleman are still alive today, and at the time, they appreciated the information I provided on how to go about selling your policy. So no harm, no foul. However, certain companies, most based in Florida, shut down or the Federal government shut them down. They were misrepresenting the health of their clients to investors so there was fraud involved. I can tell you when I sold my policies I had a viral load of over 1 million and less than 50 T cells, and I also had KS. I was an example of someone who an investor would take a look at, as my life expectancy was indeed, questionable. Sorry to tell the investors, I am still alive and kicking and it 2022, and they have been paying my premiums ever since. Who would have thought, based on my medical records at this time?? So here is my question, what next? I don't want to be a burden on anyone, but all that money that I received during the time period mentioned, is gone. I went through a lot of cash, new car, vacations, etc. What I am finding, and I know the question "In the past three years, have you tested positive for exposure to HIV, been diagnosed with AIDS or ARC or have you seen a physician regarding this illness", blah, blah. I think anyone who has looked at an application for life insurance knows that question and it has been there for years. I mean years guys. The only insurance company I am aware of that does NOT ask that question is Colonial Penn. Their premiums are high and they payouts are low. But you are guaranteed a policy no matter what. Now here is the $64,000 question. Recently it came to my attention that someone I know applied for life insurance, and that question was on the application. He indicated no. He received a letter back from the insurance company denying his application. So BZ members, how is his health status getting to an insurance company? I called people involved with Ryan White case management, as well as my own insurance company and Medicare. I even contacted several pharmacies. I was assured that not one of these groups would release any health information to a life insurance company. Anyone have ideas as to how someone's HIV status got to say, Globe Life Insurance. I thought HIPPA would prevent the sharing or sale of any of that information. Okay, I know insurance is a dry, boring subject. But money is not and if anyone KNOWS how an insurance company would get this information I would appreciate it. Please no speculation, if someone works in that industry, how can they find out an applicant takes HIV medication or has been treated for the illness? Thanks guys for your time.

With MeWe sites, Zoom is not so obvious until you are established. There are various "groups", like different types of slammers from different parts of the world. You need to apply for membership to be part of the group. They ask maybe four silly questions, "do you enjoy sex on Tina", "do you like bareback sex", etc. Once you are approved these groups have various meetings, all done on Zoom. You get invitations daily. So once you are approved, I must be part of 30 groups, you get daily invites to cam. All of them are done on Zoom. It is not exactly evident at first, but the majority of those meetings are done on Zoom. Very well done, with a moderator and usually some great dance music.

No need for apologies. When I first joined I felt I was a bit targeted, that some people didn't appreciate my point of view. You encouraged me to stay. Had I not heard from you and another poster, I may have just deleted my account and left. Now I am enjoying myself and being able to express my views. When I read what you posted, I almost thought you were just a top version of me. You didn't call me out specifically. I like your postings and if we disagree, that's fine. But I appreciate the fact you went out of your way, early in my time here, to tell me to just keep on posting and be myself. THANKS for the encouragement, I consider you an ally on this site.

I am surprised more posters did not receive this notice or think it may concern them. I suppose they do not use or frequent sites where web cams are used. Skype has been dead for awhile. I knew that, it's great for a one on one connections AFTER I have met them on say a Zoom meeting thru MeWe, or other web cam sites. Once I was informed Zoom does not fall under Microsoft jurisdiction I was relieved that these fun "chat" rooms would continue without the fear of them being closed down. I appreciate people looking into this because it came as a shock to me, just as when Google closed down the Google Plus rooms. I mean I knew it was coming, but I was surprised Zoom stepped in and picked up the slack, and gave guys an alternative. Thanks to those who looked into this....

Alright, not my finest moment, or my best post. I hear the cynicism in your response all the way from south Florida. I am starting to feel the kick back towards my posting, thank you very much. It's my fault, I was trying to get around the topic, so to speak. Change it into something it was not meant to be, my bad.

When I first saw this thread, I thought you were asking if I would only sleep with a guy one time and never again. Funny, with all the issues these days, health and drugs at the top of the list, I had developed a sort of "go to" list. For the record, I am in a relationship now, but when single I had three or four guys on my phone and I would type in the words "Do you wanna fuck me" and after doing enhancements, would push the send button depending on what I was in the mood for. One actually called me out on it, because I was so messed up, I actually misspelled some words. With that being said, these four guys I could call, no matter how messed up I was and they would still drive over, still have sex with me, and still come back. So I can say I am not a one time guy, I would do you more then once, but I am not sure I was ever really capable of doing it twice in one day with ANY guy for that matter.

I agree with everything you said. I knew the pay was rotten, the guys were used and spit out, and almost all escorted to make ends meet. What I didn't say much about was the "what's next" equation for Onlyfans performers and I am glad you mentioned that. So many of these guys (and I have been around quite a few who have no "Plan B"). They don't think about what it's like to be 40, or God forbid 50! They live in the moment and that is it. I know of a few who take online courses, but for the most part is all about planning the next "shoot". I have one friend who complains about the constant travel, arranging guys who get along to have sex for an hour on camera, and then complains the escort service he works for when he is in town does not understand he needs to go to the gym and take a break from, well, sex. Everyone needs to make a living, rent has become outrageous and many of these guys live in big cities. You mentioned you have friends doing onlyfans and you haven't had that conversation with them - "the what's next?" conversation. It is a tough one to have because months turn into years, and I know of guys in south Florida who worked for major studios and are now in their 40s, escorting, and working for smaller studios and trying to work in onlyfans. I feel bad for them because they really are in a tough spot as each year creeps by. I would ask them, point blank, what is the plan for ten years down the line? I know of at least two who receive SSD or SSI, so they feel they will always have money coming in. If you friends are a couple, I would try and find the more logical of the two, corner him, and ask some hard questions. Like, "what are you going to do in 2032?" It's not easy, you might get some push-back or denial, but if they are friends and you care about them, I think at least one of the two has probably thought about this. I would not be surprised if onlyfans looses it's luster. It is already available on torrents, so it is possible these guys are not being compensated for their work. It's great they have a friend like you, because when they are 45, friends may disappear. I wish them luck.

Don't apologize about the rant, a lot of what you mentioned I have experienced. The people pulling your curtains open, trust me, if they live in Florida they have been in my house. The theft of items, even those we would consider mundane and ordinary are an invasion of your privacy and your home. You sound like me, you accept an apology, and sure enough - the same cast of characters do it again. When I go to someone's home, I ask them what room to go into, where to put my bag, and where to sit my ass. I don't move, I don't ask for anything, and I don't touch anything that does not belong to me. I do not manipulate someone's computer, their TV or VCR, or any other electronics. This business of looking out your windows is PURE crazy. They don't realize the jeopardy they put everyone in. I once had a guy go to the front door, open it completely, and stand there buck naked. A man was doing construction on the next building roof over actually drooped his wheel barrel. So I know these things happen. You try to be nice, be accommodating, and these individuals put you in a very awkward and possibly negative situation with your neighbors, apartment complex, or HOA. I have been there and I know exactly what you are talking about. It's tough to make someone leave, no one wants to be "the bad guy", but when they are gone you will have to deal with the consequences. If I have anything say it would be this. One offense - and they are gone. I don't care what they look like, who they came with, they are out of my house. Because their behavior could cost you your living situation. Be strong man!

You are really scaring me here with you post regarding Truvada. I was on it for more than five years, maybe seven. I was changed to Descovy and Prezcobix, only after I became resistant to the Truvada combination I was taking (after I was on four meds at once). My bf takes Truvada and I believe it now more than five years. Thanks for posting this, because to be honest, I am not sure just how closely his kidney functions are monitored. We switched doctors so I am sure if our current physician knows exactly how long he has been on Truvada, and our labs are only drawn twice a year. Thanks for the warning!

I blame the usage of "enhancements". When I first came out, I went after guys who I was attracted to. The first question out of my mouth was not "Are you a top or a bottom". To be honest, I didn't even think of that. It was about the guy, what I liked about him, did he like me, etc. Today, everyone is put into a column. Top, bottom, MAYBE vers. I think things changed in the advent of online hook up sites and the use of drugs. In a bar, you don't know, so you talk to the guy you are attracted to. Online, it clearly states. I understand on some sites you can actually screen out all the tops so you can concentrate on the available bottoms, and vice versa. What a shame. My personal feeling is this - if you are really attracted to a guy, you want to continue to see him, you can work the details in the bedroom. Some people may think that is a very unrealistic attitude to have, but I know from experience I have had long lasting sexual relationships with guys who claim to be either top or bottom. You can works these things out guys....

Thanks for that, I am relieved. Zoom was my concern, I am glad you informed me. I feel a lot better, thanks!

I know that previously it had been mentioned that changes were coming to what content we could post on hook sites and apps. I just received an email from Microsoft and that changes were coming to all aspects, including the use of web cam sites. This email, and actually one previously, said violations of these agreements could result in individuals no longer being allowed to use Microsoft products. I am taking this as a reference to Skype and possibly Zoom rooms. Though they were not specifically mentioned, the email said any and all entities that belonged to them needed to abide by the standards and rules. So does anyone know what this means for the future? I have been an avid Skype user for years. I noticed as time has gone by that the membership seems to have decreased, at least among gay men. Less group conversations, less nudity, less sex. Now when Google Plus went away, I assumed Zoom rooms would be a thing of the past. I was, happily, mistaken. I use MeWe, and at almost any time of day, I can find a room where men are having sex and using "enhancements". Openly, usually with a moderator who is playing dance music. No one is telling anyone what they can or cannot do. Now in order to get invited into these rooms, you have to apply to various groups. Their questionnaires often ask about your feelings on visible sex as well as the use of enhancements. Once you apply, you receive a response back telling you that you are accepted, and then you receive invites into their Zoom rooms. So the ability to get an invite into one of these Zoom rooms is relatively easy. Apply to the group, they say yes you are welcome, and then you get invites. Easy as that. So my question to Breeding Zone members is this? Will the email I received today from Microsoft have any effect on these MeWe invites that I have been enjoying? Will they simply go away, just like Google Plus rooms went away? Because I do enjoy using this form of entertainment I would greatly disappointed if the email I received today marks "the beginning of the end". Has anyone else received one of these emails, and will it negatively impact MeWe and Zoom? I know it will have an effect on Skype, which I basically now use to contact family members, not eight naked men at 2 am on a weekend. Thoughts and feedback is greatly appreciated.

Thank you for the encouraging response. I knew there were tops out there who wanted mature bottoms. The same applies when it comes to tops, I would much rather have someone 38 to 60 over someone 18 to 35. There are always exceptions but experience usually rules. Your response is the first I read, I am glad my Forum question resulted in an intelligent response. Thank you!

Okay, so I may know the answer to this already, and it may have been asked in the past as I am still relatively new, but I wanted to throw it out to Breeding Zone posters. I remember being a sexually active teenager and saying "oh God, I will never have sex with a guy over 30". Well, was I in for a lesson. I left the north for Florida and found this nirvana called Fort Lauderdale, or rather Wilton Manors. There were many, many men not just over 30, or 40 but even 50 who I would want to jump on. But that is not the purpose of my question. So, is a "less than attractive 50 plus top with a huge dick" more desirable than a 50 plus, attractive, in-shape bottom? I have been to group parties when I was in my 30s and had a very handsome gentleman, over 50, maybe 60, who said to me quietly "You know, the only reason I get invited to these parties is because I have a big dick"..... Really, I thought? Well, his age had nothing to do with it. He was sweet, handsome, polite, considerate and yeah he had a big dick but he knew how to use it and treated me with respect. So, with three computers live streaming me, a man old enough to fuck me was broadcast to people not only in the US but throughout the world. I heard people yelling my first name as I waved to the monitors. However, this gentleman showed me the best time of anyone who was there during my three day visit. I was later told I was the "guest of honor" and had no desire in either of the hosts. So, "Breeding Zone" members, does a big dick on a polite gentleman worth more than fucking an in-shape, attractive bottom young enough to be his son? Please, discuss....

Okay, second vote - Matteo Berrettini. For those of you who don't follow tennis, he's an Italian who got to the finals of Wimbledon last year. Just google his name, plenty of pics with his shirt off. Great face and smile. He gets a vote from me as well.

There is a weather guy on the local CBS affiliate named Tyler Moore (locals look him up he is hot). Even the name Tyler Moore screams porn to me. He's relatively new, but very hot. He's listed as a "meteorologist with 10 Tampa Bay". I know it's odd to pick out some local television personality but he gets my vote.

I always tried to take advanced placement courses in high school that were given on Saturdays and during the summer at the University I planned on attending. It gave me freedom from my parents, and access to other guys who were 16 or older, some already in college who had dorm rooms or close by apartments. It was the perfect scenario because there were many horny guys or those unsure of their sexuality that were willing to have a smart 16 year old come by their room or apartment and help study. Not every situation ended up with sex, and I actually made friends. But it did give me the time and location to play when others made it apparent they were interested in doing so. When I walked into a room and they immediately took off their shirt and just had underwear on, I knew I was in for more then just a cram study on college physics. I often wonder if these guys went on to marry women and have children, because I would only see them on campus and they usually pretended not to see me.

Can I be part of the casting division? You know, help screen and select the "models", ask for their "head shots". Oh and communicate to those not selected what they can do to possibly earn a "walk on part" and be naked in the background. PLEASE I worked in HR for years I would be great.

It's my birthday this week so I thought I would treat myself (By advertising I am in need) to some Big Cock. No experience necessary, just a willingness to learn and not have any place to be for at least 4 hours. Will provide food and beverage, alcohol as well, just don't bring lube. Please be 18, and have ID. any forum members in the area want to come by and pay mw a visit I will be offering complimentary blow jobs and please bring your cell phone for selfies. SERIOUSLY GUYS - if you are looking to blow your load, contact me

No, his location was Chicago and to be honest he never opened the messages. He also didn't delete them, and that green light indicating he is online remains on. So I believe Mr. Dawson is a busy gentleman, other priorities. Maybe he has gone on to live and work a normal job, I don't know. I doubt we will see him in porn again, I know he gave an interview to a mid-west newspaper in the early to mid 2000s. (say 2007 or 2008?) saying he was HIV positive. It's his life and health and it's his business only. I found it amusing that on his BBRT profile he actually used some kind of porn promotion from one of his videos which clearly showed BBDawson, looking cute and innocent. The primary pic of him has him sporting salt and pepper facial hair and a skull cap. He looked good as far as I'm concerned.