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☮ Social ☮ PD Social Distancing Talk Thread: Swirly Congregation That's 100% Pandemic-Proof

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So it's a broker for lenders that charge interest as high as 36%. That's rough. Their low rates are good but the upper limit is extreme and presumably for the toughest of cases. People who have shit credit and who may already have loans they're drowning under and haven't made a payment on in months.

That's a loan shark, right there, charging up to 36% interest to people who can't afford it.

It's best to consolidate loans with a credit counselling agency or a bankruptcy trustee so as to eliminate interest if one is in a position where they'd be paying interest even on a consolidation.

A consolidation loan is only helpful if the interest on the consolidation loan is less than the average interest paid on the previous debt.

How does consumer proposal work in the US?
 
SunriseChampion said:
Depends on what you're willing to do to pay it off and how hard it is for you to pay down.
You could try talking to the creditor directly.
Consumer proposal lowers the amount owed and decreases interest to 0% (in Canada anyway).

The amount you owe isn't really worth taking a hit on your credit though by doing something as drastic as a consumer proposal unless you're really struggling to pay it down.

I was at ~38k in credit cards with an average of 19% interest and the consumer proposal cut it to ~21k with 0% interest. I'm paying 350$/mth now as opposed to having paid 800-1000$/mth before the proposal and that amount was paying it down very slowly between the two cards and another debt I had then.

It's immensely improved my quality of life. More wine, less interest. ;)

It's also allowed me to save decent amounts of money whilst paying my debts off. Something I wasn't able to do before because I could not make returns larger than the interest I was paying so it didn't make financial/mathematical sense.
I'm now, just 7 months later well on my way to my semi-retirement plan in ten years.

Mind you, I now have a damaged credit report and credit score. Which I don't care about as I don't need credit now or in the foreseeable future. I have a home, I have a company vehicle, I'm not planning on buying property on debt. Also, the proposal is only listed on my report for 1 year after discharge, which can be a maximum of five years in Canada. So, at most 6 years. I can also apply for credit during it and have my credit utility accounts still building up my credit score as I'm paying all my bills.

Not sure if something like this is available where you are but it may be worth looking into if you're not able to keep up with your payments.
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That's great, did you consider bankruptcy at all though? I had just slightly more debt than that, and I did bankruptcy, chapter 7... I got all of it discharged and only had to pay $1500 for lawyer plus court fees. Didn't have to give up any possessions or my house or anything (because I didn't have anything of substantial value besides my car but you get exemptions up to like $12,000 or something, above that they will auction your stuff). My credit score bottomed out for a few years but now it's as high as it's ever been 6 years later and it's not even off my credit report yet. And I'm debt free and have been for a long time. Ironically it was one of the best financial decisions I have ever made.
 
Bankruptcy in Canada may work differently from what you're saying.

Here, if your income is over a certain amount monthly, you have to pay the difference as payment to your creditors and you make those monthly payment for 21 months.

If you're below that threshold, you make a smaller payment and only for 9 months. These payments are based on your income.

My income was above the threshold and the payment was going to be a little more (I fucking kid you not) than what I was already paying monthly at the time.
Consumer proposal saved my life as with bankruptcy, I would have been worse off than I already was.

Here, bankruptcy is only sensible if your income is minimal or non-existent.

Luckily, last year (which is when I applied for the consumer proposal) my income increased very significantly....to the point that these ridiculously expensive Toronto rents are now affordable! I finally made it.....in my mid-30s hahaha
 
My Boss just called me, going back to work next week. This is the Asian Fusion restaurant I was at and get paid very well. Life is good right now everything has been falling back in place since I stopped abusing drugz. The Universe just thru a couple of bones at me for sure this this week. Really needed it because I was starting to get worried about how I was gonna pay my rent. As some of you may know I am a cook and my field of work has been hit especially hard because of this virus situations.

Thankfully the place I'm at now is a small spot with literally 2 tables and bot enough room for more than 5 people and most of our business is from grub hub/seamless so I should be fine. I feel like a massive weight has been lifted from my shoulders. We are gonna have to turn it up takeout wise but since we are in NYC this should not be an issue, what an awesome day I've had...floating somewhere on cloud 9 folks. Hope all of my brothers and sisters of Bluelight get blessed as well.
 
Phantom of the Opera sequal availible till the end of the day... I thought folks would appeciate it. Use a VPN to spoof USA location if not stateside



Edit: it literally went private like hours after posted. Sorry
 
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Ever get that good idea to go eat all the acid while already on acid. Well im glad it turned out amazing ate a strip at 2 hour mark added on top as that kicked in things got reallly really crazy i was staring outside at nature seeing the infinite nature of creation "god" and the entire multiverse unfold before my eyes. A deep peace and understanding of the dualism balance. Seeing half the infinite realms dark and the other half light chasing each other through reality.

Had been scared to go back that deep with LSD for a while since i had bad times with cannabis mixed it on top.

The whole experince has gotten alot more fluid even more psychedelic and easier to handle since i quit smoking cannabis daily.

Makes me want to repeat ram dass experiment of eating 400 ug every 4 hours for two week straights just to stay in that state of seeing straigh through the veil of illusion.

still getting peaks a bit where the lsd just takes over the world for a bit hoping i ain't perma fried myself this time haha.
 
I'm at work, and I just saved a Microsoft word document as a web page. And looked at the code and found out that my Word document is tripping balls:

X4GNcbN.png
 
TripSitterNZ said:
Ever get that good idea to go eat all the acid while already on acid. Well im glad it turned out amazing ate a strip at 2 hour mark added on top as that kicked in things got reallly really crazy i was staring outside at nature seeing the infinite nature of creation "god" and the entire multiverse unfold before my eyes. A deep peace and understanding of the dualism balance. Seeing half the infinite realms dark and the other half light chasing each other through reality.

Had been scared to go back that deep with LSD for a while since i had bad times with cannabis mixed it on top.

The whole experince has gotten alot more fluid even more psychedelic and easier to handle since i quit smoking cannabis daily.

Makes me want to repeat ram dass experiment of eating 400 ug every 4 hours for two week straights just to stay in that state of seeing straigh through the veil of illusion.

still getting peaks a bit where the lsd just takes over the world for a bit hoping i ain't perma fried myself this time haha.
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Good to hear mate, I'm genuinelu pleased you have had this freeing and by the spunds positive, let alone extraordinary experience with no downsides.

From our little pm interactions, I realise now that I could tell that you needed this experience and you have spoken many times of your reservations about the higher dosages and more intensive voyages these days.

So you squeezed that one in perfectly to set you up for a break where hopefully you will generally feel more fulfilled and content.

By the way, I gotta ask bro cos I am OCD haha, and the right curious cat.
What do you mean by a strip? 5? 10?

And when you say your Cali sheet, do you mean the same ones as I mentioned I have 5 legit tabs of, at least 220ug? With the Sun and blue and yellow all over, 25 tab mini prints?

Just curious mate answer any time or not at all. As long as you are cool and have stayed in a good, positive and free headspace to look and move forward now.

I hope to hear a little further update or comment from you in due time, somewhere hopefully, like a retrospective perception, feeling about this trip.

Just out of pure interest again haha! Take care bro have a wicked continued trip and afterglow!

Oh also, I think I recall now- when I have dosed heavy and REALLY gotten up there and tripped- I swear I remember many points where I almost thought I had straightened out. It is an illusion, but a beautiful one. And then a moment later, or a while later, I realise- holy fuck I'm still tripping off my face! Haha.

I fully agree with the comments you made to me about duration at higher doses, as we discussed.

So if "strip" means anywhere close to my minimum idea of 5, and they are 200ug plus tabs (or maybe the 105ug ones you have had around?)...

Either way, you should still be pretty up there dude. Have a good one.
 
AutoTripper said:
Good to hear mate, I'm genuinelu pleased you have had this freeing and by the spunds positive, let alone extraordinary experience with no downsides.

From our little pm interactions, I realise now that I could tell that you needed this experience and you have spoken many times of your reservations about the higher dosages and more intensive voyages these days.

So you squeezed that one in perfectly to set you up for a break where hopefully you will generally feel more fulfilled and content.

By the way, I gotta ask bro cos I am OCD haha, and the right curious cat.
What do you mean by a strip? 5? 10?

And when you say your Cali sheet, do you mean the same ones as I mentioned I have 5 legit tabs of, at least 220ug? With the Sun and blue and yellow all over, 25 tab mini prints?

Just curious mate answer any time or not at all. As long as you are cool and have stayed in a good, positive and free headspace to look and move forward now.

I hope to hear a little further update or comment from you in due time, somewhere hopefully, like a retrospective perception, feeling about this trip.

Just out of pure interest again haha! Take care bro have a wicked continued trip and afterglow!

Oh also, I think I recall now- when I have dosed heavy and REALLY gotten up there and tripped- I swear I remember many points where I almost thought I had straightened out. It is an illusion, but a beautiful one. And then a moment later, or a while later, I realise- holy fuck I'm still tripping off my face! Haha.

I fully agree with the comments you made to me about duration at higher doses, as we discussed.

So if "strip" means anywhere close to my minimum idea of 5, and they are 200ug plus tabs (or maybe the 105ug ones you have had around?)...

Either way, you should still be pretty up there dude. Have a good one.
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These are dosed 105 ug 99.9% California fluff unpref sheet just markings to cut. strip of 5. Haha man if i had those cali sunshine blotters i would of been forever gone for the next two days.
 
TripSitterNZ said:
These are dosed 105 ug 99.9% California fluff unpref sheet just markings to cut. strip of 5. Haha man if i had those cali sunshine blotters i would of been forever gone for the next two days.
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Lol, so my intuition was pretty bang on eventually. If it had been a betting matter I would have put money on 5 of the 105 ug tabs. Good dose, and yeah by redosing, you come up initially more comfortably, adjust, set the scene, then can really take off with a sizeable redose with so much less angst.


So 525ug, since about 1pm today I think, but excuse me if mistaken my brain function is depleted currently.
 
Ah interesting, around here strip means 10. Most I’ve ever done is 2 1/2 of the dose I typically get, and that was next level for me.


Tripped on a batch of DMT last night that was a mix of Mimosa and Chaliponga, and it was pure magic. I won’t get into trip itself too much as it’s fairly personal to me and requires a lot of context.

But... The NMT and what I presume are MAOI like alkaloids found in Chali mixed perfectly with the Mimosa high DMT profile.

The NMT was perfect to reduce/eliminate any anxiety that might be felt, pure love. And the MAOI made the trip last twice as long.

The visuals were a perfect mix of the rainbow fractals of Mimosa and the earthy water color visuals of Chali. Everything bleedy and breathing together in perfect harmony.

If I had to guess based on past experiences mixing the two, 10/1 Mimosa/Chali alkaloids.

-GC
 
i think part of myself wanted to see via expertiment what redosing lsd actually does since there seemed to be very little actual information around it and i have enough to last me til the world ends. If i knew how strong it was going to be i would of rethought that redose but it was 2 hours into the trip i haden;t peaked yet and then the peak from the first dose hit me but it smoothed the entry for a heavier dose to come in with zero anxiety. Soon as that stuff started peaking was well and truly in the LSD reality craziest mind bending visuals that defies the impossible endless staring into the nature of infinity just mind blown at the beauty and utter fear of what infinite reality actually entails. I could see myself doing this every week since it was so mind bending to just sit there and stare at nature and let the lsd do its thing but i been doing that every now and then for years always taking a break when i feel 100% braincells fried.

Part of myself wants to just go the whole ram dass route and eat LSD every hour til i run out and see what happens but total enlightment can never be achieved via psychedelics but it sure is cool as hell to trip balls and watch the infinite go by for hours on end Eat enough and you will no longer be having a human experience of consciousness.

I wonder what LSD will guide future trippers to?. I never see a time in my life where i will stop dosing LSD. Every trip no matter how many times you been there it always somehow pulls some crazy fucking tricks out of the hat to rearrange your world in ways never seen in other trips.
 
Yesterday I was doing intense re-organization of my closets and drawers (Yeah ... quarantine fun times), and inside a small box I found half a gram of 2C-C I thought I had lost ! Yay !

Also found some cannabis and half a tab of ETH-LAD. There were various syringes in there too. Realized what a sketchy drawer I have at my nightstand xD. But I'm sure someone else here can relate.
 
Img_9999 said:
Yesterday I was doing intense re-organization of my closets and drawers (Yeah ... quarantine fun times), and inside a small box I found half a gram of 2C-C I thought I had lost ! Yay !

Also found some cannabis and half a tab of ETH-LAD. There were various syringes in there too. Realized what a sketchy drawer I have at my nightstand xD. But I'm sure someone else here can relate.
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LOL... my desk drawer is the sketchiest. I kinda want to take a picture but it's so sketchy I'm afraid to. Layers of drugs and random spilled powders (stuff like L-theanine/etc but who would know but me?) I got to clean that motherfucker...
 
Xorkoth said:
LOL... my desk drawer is the sketchiest. I kinda want to take a picture but it's so sketchy I'm afraid to. Layers of drugs and random spilled powders (stuff like L-theanine/etc but who would know but me?) I got to clean that motherfucker...
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I wish that was my problem lol. I do contract out as a drug desk drawer cleaner, it’s risky work but someone’s gotta do it.


On my DMT Experience earlier, that shits got me feeling like a million bucks today. Tryptamine afterglows are so nice, especially deems.


Btw anyone know any good DMT tripping artists, personally Phaeleh and related music to him is my all time favorite but I’d love to find some new stuff. Shamanic tribal stuff is good I find too. Any recommendations are welcome :)

-GC
 
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