Good afternoon everyone,
So…I had my consultation with my attorney yesterday and was told that I wouldn’t qualify for a Chapter 7 based on a piece of property I inherited when my mom passed away (1/4 of the house I’m renting)
I was kinda expecting that and after going over everything, he was able to guesstimate my monthly payments at $708 for 36 or $400-something if I did the 5 year payment plan
I like the idea of it being over as soon as possible me so I would probably opt for the shorter timeframe
This is for approximately $64,000 in unsecured debt (credit cards and a small personal loan)
But last night I got to thinking, if I’m going to have a monthly payment anyway, would it be worth the effort to try and call each of the credit card companies 1 at a time and saying “ I can not make my payments anymore and have retained a lawyer and begun bankruptcy proceedings. I would prefer not to go this route and am able to pay $200 for the next 24 months. Would you be willing to close and settle my account instead of me going forward with the bankruptcy proceedings?’
I could do that with one of the credit cards that has $15,000 on it and just make that phone call to multiple credit card companies.
Is there any logic to that thinking?
I feel like they would rather get something than be guaranteed nothing and from what I’m reading online, a settlement doesn’t hit your credit for as long as a BK would.
Part of me thinks it’s a great idea, or worth a try at least, and part of me feels like they would eat me alive within 15 seconds of that phone call.
Has anyone had any success trying to settle their own debts?

I'm (29M) either reaching my breaking point or settling into my new reality which is even worse. Not much for words so going to try and keep this short and sweet.
I've become the go to problem solver in my family which has been draining me. Excluding general issues I need to resolved like broken tech or house repairs, I've been saddled with the entire financial burden of my family after my father went broke and accumulated debt without informing anyone until the collectors started showing up. He's always been prideful and would rather brag about the small victories and ignore the major loses. Every time I get my head above water he'd knock me down with another problem he ignored until the last possible minute. When I was growing up I had the utter most respect for him even though our personalities clashed, me being a very private person and him needing to push his opinion down your throat because he believed that's the only one that mattered or throwing something I shared in confidence into public. My brother can't contribute financially and pretty much just complains about how difficult his life is instead of trying to assist with anything meaningful.
So this has left me the youngest in the household and the sole income earner taking on all the responsibilities.
It's been about three years since this all hit the fan. In the beginning I thought it would be a minor change before I get back on track with my career and relationship, but I've started giving up on that and just settling in my current position.

I'm reaching out for some advice on my current financial situation. Here's a bit of background:
⠀⠀Situation:

• I am currently out of work due to severe mental health and addiction issues.
• I am relying on social assistance as my only source of income.
• My total debt amounts to over $20,000, mostly from credit cards.
• I still have around $60,000 of available credit that I haven't touched
• I have no significant assets (no house)
• I do have a financed vehicle that I owe more on than it's fair market value
• I'm able to make the monthly payments on the vehicle using the social assistance money
• I'm due to see my GP to get help with my mental health and have an appointment with a therapist

⠀⠀Concerns:

• I have no way to pay these debts given my current circumstances.
• I'm aware that my debts will eventually default if I don't make payments, but I'm concerned about the long-term impacts on my credit and mental health.
• I'm considering whether bankruptcy might be a viable option, but I'm worried about the associated costs and the process itself.

⠀⠀Questions:

• Debt Default vs. Bankruptcy: Given my situation, would it be more beneficial to let my debts default rather than filing for bankruptcy? What are the long-term implications of each option on my credit and mental health?
• Social Assistance Protection: How protected are my social assistance payments from creditors? Can they garnish these payments if they obtain a court judgment?
• Stress Management: How can I manage the stress and mental health impacts of dealing with creditors and potential legal actions?
• Professional Help: Should I seek help from a credit counselor or a licensed insolvency trustee? What kind of assistance can they provide in my situation?
• Legal Action Likelihood: Considering I have no job or assets, how likely is it that creditors will take legal action against me?

⠀⠀Additional Information:

• I understand that letting my debts default will negatively impact my credit score for up to six years.
• Filing for bankruptcy could provide immediate relief from creditors, but it also has long-term credit implications.
• I'm trying to weigh the stress and financial implications of both options to make the best decision for my mental health and financial future.
• Thanks again for any advice you can provide.

Any advice, personal experiences, or suggestions on how to navigate this difficult situation would be greatly appreciated. Thank you in advance for your help and understanding.

I'm reaching out for some advice on my current financial situation. Here's a bit of background:
Situation:

• I am currently out of work due to severe mental health and addiction issues.
• I am relying on social assistance as my only source of income.
• My total debt amounts to over $20,000, mostly from credit cards.
• I still have around $60,000 of available credit that I haven't touched
• I have no significant assets (no house)
• I do have a financed vehicle that I owe more on than it's fair market value
• I'm able to make the monthly payments on the vehicle using the social assistance money
• I'm due to see my GP to get help with my mental health and have an appointment with a therapist

Concerns:

• I have no way to pay these debts given my current circumstances.
• I'm aware that my debts will eventually default if I don't make payments, but I'm concerned about the long-term impacts on my credit and mental health.
• I'm considering whether bankruptcy might be a viable option, but I'm worried about the associated costs and the process itself.

Questions:

1. Debt Default vs. Bankruptcy: Given my situation, would it be more beneficial to let my debts default rather than filing for bankruptcy? What are the long-term implications of each option on my credit and mental health?
2. Social Assistance Protection: How protected are my social assistance payments from creditors? Can they garnish these payments if they obtain a court judgment?
3. Stress Management: How can I manage the stress and mental health impacts of dealing with creditors and potential legal actions?
4. Professional Help: Should I seek help from a credit counselor or a licensed insolvency trustee? What kind of assistance can they provide in my situation?
5. Legal Action Likelihood: Considering I have no job or assets, how likely is it that creditors will take legal action against me?

Any advice, personal experiences, or suggestions on how to navigate this difficult situation would be greatly appreciated. Thank you in advance for your help and understanding.

Additional Information:

• I understand that letting my debts default will negatively impact my credit score for up to six years.
• Filing for bankruptcy could provide immediate relief from creditors, but it also has long-term credit implications.
• I'm trying to weigh the stress and financial implications of both options to make the best decision for my mental health and financial future.

Thanks again for any advice you can provide.

Problems getting the title opinion and abstract done-still not done after over 100 days.
We found a house while driving around, called our agent to show us the home. I have bought many homes, and had been looking for four or five months so we were ready to make an offer which was accepted. The abstracts and title opinion are to be order as soon as an offer is accepted by the selling agent, I believe.
It has a VA assumable mortgage which we could get up to what the former owners owed. We are putting about 35% down and the rest is from the assumable mortgage. We sold our condo which we owned. We were not told what getting a VA loan entailed, but our real estate agent with over 35 years of experience, said to do it. Over 200 emails with the mortgage company, over 150 documents to be filled out, letters, and scans of information etc. before we were approved even though we have the funds, no debts, have never been in trouble and both have over a 800 credit score. Now we are waiting on the abstract and the title opinion.
Shouldn’t they have been done with the abstract and title opinion and why is it taking this long? We are now at 103 days. It’s beyond depressing, and now closing and moving will probably occur when my husband has two surgeries planned, and two other big events are happening. We still do not have a closing date. Is there anything we can do? Is this normal in Iowa Real Estate?

Helping a friend with a parent’s in the family. I’m decently versed in financial stuff but not at all with death/estates.
The situation is fairly simple - the friend is an only child and the death is their only remaining parent. She is the executor and sole beneficiary and there is an undisputed legal will.
It’s unclear at this point how much the estate will have in it - it seems like the assets will exceed the liabilities, though not by a ton. The liabilities are a bunch of uninsured, unsecured credit cards, probably half a dozen totaling $50k.
Just trying to know what to expect when we talk to the credit card providers. I know if the estate had nothing, my friend could just walk away but I do think there will be a net positive there. I’m also sure they will ask her to pay the balances, which she doesn’t have cash on hand to do right now. I also warned her not to allow the debt to be transferred to her name in any way.

• Other than confirmation of death, what information is she required to provide to help the credit card providers track down the estate?
• do the card companies typically just write off smaller balances under $10k, or are they likely to go after the estate for it?

Thank you!

Please don't judge me or be harsh or trolling. I can't handle it at this point in time right now.... I am just moments close to ending everything because I just can't handle it anymore. please if you judge me just keep it to yourself please..
I am on ssi and ssd getting 158 on the first and 805 on the 3rd. the ssd is after both my parents passed they put me on my dads disability drawing off what he earned working but I was originally on ssi to begin with.
I get about 963 a month total to live on. Right now I am in major debt with credit cards since covid broke out. I had to use them to live on.
I moved in with my aunt who is living in apartments based on income but they are not section 8 but they accept section 8. When i moved in, i was told by the manager i didn't need to put my income since i was a cotenant. that was 10 yrs ago. come to find out. i had to put my income now i am being sued by the housing authority for 10k, i owe two more years. my aunt and i pay 220 a month to them. they don't care what happened they just want their money.
i owe one credit card company 4.5k, another 1.8k another 600 and another 700. when i applied for them, it was 3 plus years ago. i put that i made around 700k a year when i applied to them but i was on ssdi at the time making around 11k a year. i went on the websites 3 months ago fixed the right info.
I live in a small town where nothing is available for the next 20 plus miles and have no transport. my aunt won't take me anywhere. her son who si in his late 30's lives with us and works. my aunt is on disability. I get food stamps right now worth a 130 a month which goes to my aunt even though its for me. i pay her 450 a month rent incl internet lights and 130 in food. if i don't give her the food stamps then i have to pay her another 130 a month i can't afford since all my stuff is going to her and credit cards. i legit have nothing left each month right now with having to buy myself instant mashed potatoes, oatmeal top ramen soup, noodles and spaghetti sauce. i live on that through the month.
when she buys food with the food stamps it feeds her son, me and her. but it is only enough to last a week, then for the next 3 weeks i am starving barely eating because i can't afford much when i do buy stuff that i can put in my bedroom to eat on.
past week now, there has been no food, her son has been taking his mom and him out to eat all week not bringing anything home for me. im so hungry. the nearest food bank is 4 miles away one way, but i have no way to get there my aunt won't take me they don't deliver and when i tried getting medicaid transport to take me they said they don't schedule rides except to and from the dr's.
I have no other family, I have no friends. I have no vehicle. been trying to get a minivan so I could live in it. I am sometimes bed ridden due to my bad joints/back/knees/feet/right leg nerve damage. I also struggle from morbid obesity I am around 500 lbs and funny thing is, with how little i eat. i should be losing weight but its the complete opposite.
I will be 47 yrs old when I am out of debt with the credit card companies, I tried filing bankruptcy no one will touch me being under 10k in debt with the credit card companies. i contacted legal aid, the attorney who called me back said he can't help me because its under 10k. but told me how to file but chances of me filing and getting it are slim to none esp without legal help he said.
im thinking of ending my life next month when my aunt and her son leave for a week. I just can't keep living like this. if i had a minivan I could stay in it, do door dash for extra money, I could get around trying to find an aparment based on income. I bene accepted a few times to low income places but had no way to get there and now with all the debt I wouldn't be able to afford having my own place with the credit card debt.
if i stop paying the cards, and the debt collectors come after me, they could take me to court and if they do, they could show the judge i said i made 700k a year and i didn't make that much and was on disability at the time and making only 11k a year. i found out while looking into bankruptcy that it is fraud and i could face prison time.
i just don't know what to do anymore. i really don't know what to do anymore other than ending things next month to get out of this situation i put myself in with my aunt, debt, etc. I just can't do it anymore esp without a vehicle. esp since I am bed ridden half of the day here and there due to my bad joints and weight that i have carried around for 30 yrs destroying my joints and causing nerve damage to my right leg. I can't just get up and go on the streets and live on the streets not with how badly im in pain every day esp just walking to the corner store. just a simple walk to the corner store and back and i am bed rested for an entire day barely able to move.
i can't do it anymore...

Please don't judge me or be harsh or trolling. I can't handle it at this point in time right now.... I am just moments close to ending everything because I just can't handle it anymore. please if you judge me just keep it to yourself please..
I am on ssi and ssd getting 158 on the first and 805 on the 3rd. the ssd is after both my parents passed they put me on my dads disability drawing off what he earned working but I was originally on ssi to begin with.
I get about 963 a month total to live on. Right now I am in major debt with credit cards since covid broke out. I had to use them to live on.
I moved in with my aunt who is living in apartments based on income but they are not section 8 but they accept section 8. When i moved in, i was told by the manager i didn't need to put my income since i was a cotenant. that was 10 yrs ago. come to find out. i had to put my income now i am being sued by the housing authority for 10k, i owe two more years. my aunt and i pay 220 a month to them. they don't care what happened they just want their money.
i owe one credit card company 4.5k, another 1.8k another 600 and another 700. when i applied for them, it was 3 plus years ago. i put that i made around 700k a year when i applied to them but i was on ssdi at the time making around 11k a year. i went on the websites 3 months ago fixed the right info.
I live in a small town where nothing is available for the next 20 plus miles and have no transport. my aunt won't take me anywhere. her son who si in his late 30's lives with us and works. my aunt is on disability. I get food stamps right now worth a 130 a month which goes to my aunt even though its for me. i pay her 450 a month rent incl internet lights and 130 in food. if i don't give her the food stamps then i have to pay her another 130 a month i can't afford since all my stuff is going to her and credit cards. i legit have nothing left each month right now with having to buy myself instant mashed potatoes, oatmeal top ramen soup, noodles and spaghetti sauce. i live on that through the month.
when she buys food with the food stamps it feeds her son, me and her. but it is only enough to last a week, then for the next 3 weeks i am starving barely eating because i can't afford much when i do buy stuff that i can put in my bedroom to eat on.
past week now, there has been no food, her son has been taking his mom and him out to eat all week not bringing anything home for me. im so hungry. the nearest food bank is 4 miles away one way, but i have no way to get there my aunt won't take me they don't deliver and when i tried getting medicaid transport to take me they said they don't schedule rides except to and from the dr's.
I have no other family, I have no friends. I have no vehicle. been trying to get a minivan so I could live in it. I am sometimes bed ridden due to my bad joints/back/knees/feet/right leg nerve damage. I also struggle from morbid obesity I am around 500 lbs and funny thing is, with how little i eat. i should be losing weight but its the complete opposite.
I will be 47 yrs old when I am out of debt with the credit card companies, I tried filing bankruptcy no one will touch me being under 10k in debt with the credit card companies. i contacted legal aid, the attorney who called me back said he can't help me because its under 10k. but told me how to file but chances of me filing and getting it are slim to none esp without legal help he said.
im thinking of ending my life next month when my aunt and her son leave for a week. I just can't keep living like this. if i had a minivan I could stay in it, do door dash for extra money, I could get around trying to find an aparment based on income. I bene accepted a few times to low income places but had no way to get there and now with all the debt I wouldn't be able to afford having my own place with the credit card debt.
if i stop paying the cards, and the debt collectors come after me, they could take me to court and if they do, they could show the judge i said i made 700k a year and i didn't make that much and was on disability at the time and making only 11k a year. i found out while looking into bankruptcy that it is fraud and i could face prison time.
i just don't know what to do anymore. i really don't know what to do anymore other than ending things next month to get out of this situation i put myself in with my aunt, debt, etc. I just can't do it anymore esp without a vehicle. esp since I am bed ridden half of the day here and there due to my bad joints and weight that i have carried around for 30 yrs destroying my joints and causing nerve damage to my right leg. I can't just get up and go on the streets and live on the streets not with how badly im in pain every day esp just walking to the corner store. just a simple walk to the corner store and back and i am bed rested for an entire day barely able to move.
i can't do it anymore...

We live in California- my spouse is in finance. I have heavy cc debt and a personal loan with monthly minimum payments at $1700 and about $10k in collections. My spouse CAN NOT have a bankruptcy on their record or it will affect their job. Is it possible to file separate and not use spouse info? We have 3 cars we are paying on with only 1 in my name, we rent in CA, own a home in GA in spouses name. I also make more than my spouse. I got behind on the personal loan which is now not manageable. This debt is bringing me to tears. I’m not sure how to fix this. I have spoken to 2 different lawyers in which one is confident it wouldn’t show up for my spouse while the other wasn’t as confident. I’m not sure what to do. We file taxes together and share that debt, we live together and technically share/pay bills through a joint checking account. The CC debt and personal loan are all in my name alone.
Any help is greatly appreciated

I purchased a book back in 2022 and it was the biggest mistake of my adult life. I’m currently in debt so far and see no light at the end of this tunnel.
Would anyone here just walk away and file bankruptcy? Amy suggestions? I owe more than anyone would be willing to pay for this pile of shit.
It’s getting so stressful to keep up with the Farmers BS, commission cuts, bonus cuts, everything cuts!
Saddest part of this is that it could’ve been great! We sell against our own direct agents and can’t offer the same product discounts that they offer. Insane!
How do they have us classed as independent agents? We can’t shop! I feel like we’re employees and with all the pay cuts and commission cuts that’s a real problem.
What would you do? Wait it out for brighter days or close up shop?

I'm hoping for legit recommendations. Thanks but no shaming please. Trust me, I'm physically and emotionally sick over this.
I have racked up more debt than my family (even spouse) knows about and an amount I can never repay in my lifetime.
I work full-time, carry the benefits for my family, including an adult disabled son who now needs hip replacement surgeries. I have a somewhat modest 401k I can't touch till I leave the company.
Outside of bankruptcy or a second mortgage on my home, I can't think of a way out.
Any ideas?

Hi, I know some of you have been interested in Joost’s written stuff, so this is one of them. It’s a short story that Joost wrote for Boekenweek voor Jongeren (Book Week for Young People) in 2019. There’s more info about it here (in Dutch) https://www.vice.com/nl/article/qvgzpv/joost-klein-schreef-een-kort-verhaal-over-een-wilde-nacht-in-berlijn and there was also this promo video for it https://www.youtube.com/watch?v=wx7wxnpxps0. It's been translated from Dutch - maybe not the most perfect translation but it's readable. Original in Dutch here. Enjoy

"How come he suddenly has cash?" I looked at Gurb, but he avoided my gaze. Louis never had money and yet he was buying another round. Meanwhile, a Moby song was playing and nothing made sense. "If he has money for drinks, he can surely pay me back, right?"
Just a few hours ago, I was alone in Berlin. Now, ten hours later, I'm standing in some obscure techno club with my best friends. Loud rock music with drunken shouting. "Hey, Miss Murder, can I make beauty stay if I take my life?" I woke up that day with a mild hangover from the lonely yet people-filled night before. Perfect conditions for a 20-year-old dropout.
The Hard Rock Café was the most beautifully ugly place in Berlin. Gurb had driven for seven hours straight in his mother's car, but we didn't notice. An iconic black Mini Cooper. Your body leads your mind, the beat never stops, and you can conquer the world. Louis threw in another crazy dance move. We were happy.
"Do you want another drink, brother?" Gurb asked me, half shouting. An evening filled with rhetorical questions. He saw me dancing and already knew the answer.
Gurb always had money. Louis, on the other hand, never did. Louis was also the youngest of us three. He had just turned 18. I wouldn't call him a cunning fox. More like a jack-of-all-trades. Like the time he made a lot of money on a Wadden Island with a group of boys. They sold large blocks of hash.
"Crazy dude!" I shouted at him. He yelled something back.
"Do you remember back then?" Louis said.
"Back then? Back then? Yeah man, of course!" I had no idea what he meant. "Do you mean the party?"
"Do you mean the party, he says! This guy. When I look at you like this, it makes me happy. The exact same kid is here letting loose just like back in high school!"
We knew each other from secondary school. He joined when I was in the second grade. He was very intelligent. Too young, too much knowledge of the world. His mother is from Brazil. We often went to his mother's place to play on the Playstation Louis and I had bought together.
I lived everywhere at that time. In the crisis shelter where I stayed for a while, for example, I wasn't allowed to have a Playstation. So we set it up in an accessible place, near school. It was always fun with Louis. Going together to the Apple Store. Taking all kinds of photos with all the webcams, posting them on Hyves, and then leaving. Louis always knew how to cheer me up.
"Aaaaaaaaaa!" There was Gurb with five drinks in his hands. Gurb was wearing a blue checkered shirt. Two buttons undone. Hair slicked back. "You look good, brother!"
"You look fresh too! We all look fresh!" Gurb said enthusiastically. Louis was wearing a completely white outfit. We quickly bought this before going out. He also bleached his hair.
"You look like the Brazilian cousin of James Dean in these clothes," I said. Louis laughed. "Let me take a picture."
Suddenly, the DJ switched to some kind of techno. "Ah, here Berlin briefly takes off its mask." I was fine with it all. Louis was talking to a lady.
Voluptuous breasts, I thought to myself. He gave her one of his two drinks.
"He's with a girl and he's thinking with his dick," I said to Gurb. "Let him be, tonight Berlin is ours!"
The bass kept pounding. "I simply don't have the patience for the club," I said to Gurb. He looked surprised. Like a sweet dog, tilting his head. "I'm just waiting for tomorrow. Can't do my thing here. Don't have patience for the already known. I want adventure and I want it now!"
Gurb started laughing. "Patience is a virtue." Yes. Patience is all well and good, but I think it's a waste of my time. Gurb grabbed my shoulder.
"I think it's time for another beer."
Louis and I were walking through Leeuwarden a year ago when suddenly a red Ford Ka stopped in front of us. It was Gurb, casually driving around the city. He invited us into his car. We hopped in. Since that afternoon, the three of us were together. A few months later, Louis got a tattoo on his ribs in honor of our friendship. It was the name of our group chat. Braddar Force Indigo.
There were also days when Gurb would take me for a drive around Friesland. He reminded me how beautiful Friesland is. The world doesn't spin there. The newspapers I threw away in the Stiens forest in 2011 could still be lying in the same spot, so to speak.
Just before midnight, I found myself in line for the restroom. My eyes fell on a pair of striking shoes. Cigarette smoke invaded my nose for the fourth time. "Müssen Sie eine Zigarette haben?" a female voice spoke to me. I felt like Tom Hanks in the final scene of Angels & Demons, where the new pope first steps onto the balcony. The curtains opened. There I was, witnessing an important moment in history. I was just told how I was sent by God, but my ears didn't want to hear any of it. At least that's how I felt. My mouth was empty. I had no words left. That's when I knew for sure. Berlin might really be as crazy as literally everyone says.
Dark blond, silky hair. Was this real beauty then? She wouldn't look 40, but I think she was. A true woman. Beautiful in all her elegance. I always joked about being interested in older women, but tonight one stood in front of me. "I don't smoke," I said to her.
Someone tapped me. "Please, just go to the toilet!" He was right. I hadn't peed in a while either. My urine was cloudy. "Glomerulonephritis," I said to myself on the toilet. This is an unusual condition. It's an inflammation in the kidneys, I thought I remembered. They should never have given me access to Google.
The evening progressed, and Louis kept buying rounds. "But seriously now. How does Louis suddenly have all that money for drinks?" I asked Gurb. He was outside smoking with a group of Swiss girls. I had strategically positioned myself so that I could always leave the crime scene if necessary.
"You shouldn't ask me," said Gurb. He was laughing with the temporary girlfriend group of Louis. Gurb has a beard. A lot of chicks like that. I get it too.
As much as I enjoyed Louis and Gurb being here for me, something didn't sit right with me. It couldn't just be about the money. "What's up with him?" I heard one of the Swiss girls say to Gurb.
Those kinds of questions really tire me out. "Not much, with you?" I replied.
They all started laughing. "That's not what she meant, brother," said Gurb.
"I couldn't care less whether she meant it or not. Send that brace-face back to Switzerland. Don't drive me crazy, alright!"
Actually, I hadn't drunk that much that evening. "Two vodka Sprites, please!" It's rare for me to get just one drink. "I always get two drinks, then you have to wait shorter for the third one!" Maybe the alcohol was affecting me more than I wanted to admit. Oh well, it was still the three of us against the world.
"Nice shoes, are those Prada?" I asked a random girl at the bar.
"No, these are fake. Why would I buy real ones for 600 dollars if I could just buy these for 20?"
"..."
I'm not very good at that. Talking. To women.
Louis and Gurb were in the smoking area now. It was less blue than the dance floor itself. My clothes already stank, so a visit to the smoking area couldn't hurt. "These people are so underground!" Gurb shouted. Louis was filming him with his phone. "These people..." There was a brief pause. As if Gurb forgot the only line he had. "...so underground!" All three of us burst into laughter. The alcohol flowed through our veins as if it came from the purest mountains. People seemed doubled and the room was full. We had been in the same club in Berlin for several hours.
"Leonardo! What are you hiding from the big boss?" I sometimes called Louis ‘DiCaprio.’ "You a rich guy, now?" I said, with an accent as if I were from the Bronx.
Louis started laughing. "Eh, you know nothing. Bullshit talk."
I had to laugh too. What was I even worried about? Friends are friends, with or without money. That shouldn't matter. Louis probably just worked for that money. Maybe it wasn't as bad as I thought. Maybe he just had enough to buy rounds. But what if my gut feeling was right? That feeling was never wrong. Except for that one time at the Holland Casino in Groningen. Even the best of us have slip-ups. I was just getting worked up again. When it comes down to it, Louis is one of the sweetest guys I know. I had to let it go. After all, it's still Louis.
"I think I'm going to have sex soon, man," Louis said.
"With who?" I asked immediately.
"That one girl."
"Which one?"
"The one with the boobs."
"Oh, her. Just be careful."
"What kind of reaction is that?" Louis asked indignantly.
I'd only had four drinks, but I was acting like a mess. Louis was right. I didn't understand myself. Where was my head at? I'm here in Berlin, supposed to be having the time of my life, but here I am feeling lonely and sad again. Joost once again couldn't control his emotions.
"Sorry," I suddenly said to Louis. "Sorry for my behavior. Been acting dumb towards you all night. It's unnecessary." Sometimes I have that. Mood swings. "Know that crime is never the solution. We've talked about this so many times. Yes, it's tempting and sometimes easy money. I sometimes find it amusing too, but it's always hypothetical. Ask me for help. I can help you, even with illegal things. I'll always have your back." The dancing was kind of over.
The words I had just placed on Louis's plate came from my heart. My Frisian, irregular boys' heart.
Crying in the club. I had never seen myself like that. Crying, yes. In the club, no. I never understood the taboo around crying. Or emotions in general. I saw myself in the mirror. They weren't tears of joy. They weren't tears of sadness either. It was me letting everything go. All the emotions I had ever felt. The emotions I felt between my brother and sister and myself because they wanted to take on a parental role over me, but I was in puberty, so I pushed them away. The emotions I felt when my old neighbors were supposed to take care of my dog, but didn't tell me that he was bitten by one of their dogs. They didn't have money for the surgery, they later told me. They were ashamed of their lack of money. My dog died from this injury. Even the emotions that were all jumping at once during the retake for my swimming diploma A, I let go of.
No emotions. Just for a moment, not feeling anything. Is that too much to ask for?
"You still don’t smoke?"
It had to be the voice of the woman with the cigarettes. I looked over my shoulder through the mirror. It was her. The one with dark blond, silky hair.
"Not to be rude, but this is the men’s room," I said. She took a step closer and kissed me on my lips. It tasted like more. We started kissing. It had been a while since I had had female contact at this level. It probably didn't look good and it didn't feel good either. She started kissing my neck. Slowly, I noticed the pressure in the erectile tissues of my penis starting to increase. "I really don't have time for this!" I thought to myself. The woman with the cigarettes started to slowly sink down until she was on her knees. I didn't want this. Not now, not like this. She unraveled my penis from my Polo Ralph Lauren underwear. Her tongue was blue. It was probably from cheap shots of alcohol.
Was this real beauty then? Was this the beginning or the end of her story? And had I become the boy my parents hoped I would be? I thought about the fact that this was once someone's little daughter. Somewhere in the world, an old man might be wondering what his daughter is doing. Am I really putting pleasure above my own morals and values?
With my semi-erect circumcised penis still exposed, I lifted her up. After giving her a kiss on her forehead, I pulled up my pants and left the toilets.
It was the usual last hour in any club ever. I met Louis and Gurb at the bar. "Should we have another drink?" I asked Gurb. "I feel like having a cocktail. Something sweet. Lots of sugar. What about you?"
Gurb looked at the menu. "A cognac would go down well right now."
"A cognac? You're only nineteen!" Gurb and Louis laughed. "Two Tequila Sunrises please!" I called to the bartender. "Also, two beers! Thanks!" I also got a beer for Louis. At first, I didn't want to, but I didn't want to spoil the mood either. Besides, I didn't want to show too much that it bothered me so much.
We danced away the last minutes. The club closed, and we decided to walk with the group of Swiss girls. Apparently, they were staying nearby.
As I lagged behind the group, one of them tried to start a conversation with me. "Are you okay?" she asked kindly.
"I'm fine. Just had too much beer. Makes me sleepy." Not true at all, but I've heard people say that.
"You’re tired? The fun has only just began!" And as she said this, she pulled something out of her inner pocket. Her clenched fist, shielded by a half jacket. Who is this girl, anyway? I thought to myself. She opened her hand flat, and right in the center of her palm lay two small pills with a smiley face on them. At least, they looked like it.
"Oh, I don’t do drugs. Sorry."
"Me neither!" And she swallowed a pill. "Now it’s your turn... Or are you scared?"
Scared? Who did this crazy Swiss witch (with really beautiful eyes) think she was. With her "are you scared". I'll show her who's scared.
"Scared? I’m not scared." I picked up the remaining pill and swallowed it.
Everything went in slow motion. Was this who I had become? Was this the same boy from high school? And just before I could swallow, I spat out the pill. She was shocked. I picked up the pill again, dried it with my jacket, and put it back in her fist. "Maybe later!" I shouted, running back to the group, over my shoulder.
I have nothing to say to 9 out of 10 peers I come across. Of course, I can be social. I can also have fun with random people in random situations, but that night, it just tired me out. I also didn't understand what we were doing there. Those girls found me strange anyway. Suddenly, I was the fifth wheel.
"We know this place where they go until 7 in the morning!" The girl leader of the group spoke. I wanted to go home. "If you guys want, you can go. Don't worry about me," I said to Gurb and Louis. The boys had a brief discussion. We agreed to stay for just a little while longer for some drinks. I consented. I was thirsty. "I'll have a Fanta, Louis."
Gurb had reached the last cigarette in his pack. Louis and a girl from the group were nowhere to be found. It didn't even bother me. This guy just walks around with some cash in his pocket and all hell breaks loose. After a night full of stimuli, I understood Louis. Of course, I understood Louis. He's a young god. Handsome, smart guy. But that didn't make me any less angry. It was purely about trust for me. Something inside me said I should stop subconsciously expecting things from people too. It prevents disappointment.
"Hotel please!" I jokingly suggested to Gurb. "Should you call Louis or should I?" I added. Gurb immediately grabbed his Android smartphone and called Louis. He put the call on speaker.
"Are you ready?" Gurb asked.
"Yeah. Sort of."
"What do you mean?"
"We didn't have sex."
"That's fine, right? Tomorrow's a new day!"
"I think I'm in love, man," Louis said.
"...," Gurb said, chuckling as he let out a sigh.
Once we arrived at the girls' hostel, it was already getting light. Louis was thankfully back. There were stains on his pants, around his knees. My focus was solely on arranging a taxi. Although the boys were still flirting, I was really done now. "How are we going to pay for this taxi?" I said a bit too loudly.
There was a silence. "Don't worry. I still have cash," Gurb said.
"Yeah, I knew you would," I replied.
My words clearly hit Louis. "What do you mean by that?" he said.
It was as if time stood still for a few seconds. "Exactly what I said. Better listen." Louis pulled out a small wad of green bills from his pocket. At least 400 euros. "I don't even want to see that money," I reacted. I walked away.
I'll just order a taxi myself.
"Why are you walking away now?" Gurb said.
"Twelve hours ago, I was alone too, and I had a lot more fun then."
"Do you really want to know how I got this money?" Louis said.
Yes, I did want to know. My whole evening revolved around that damn money.
He took a second of pause before he began speaking. "The answer lies in the Mini."
What on earth could be in Gurb's mother's car? Louis was trying to get into my head. "Taxi!"
Once in the taxi, the division was clear. Gurb was upfront, chatting animatedly with the driver. All adventures ever were recounted. Louis and I in the back. One of my best friends since I was thirteen. Funny how things turn out. It was quiet between us. I was in my head, rehearsing how I would bring up the money again. It didn't add up, and he knew it himself. "I don't care, you know," I said, hoping he'd break.
"What don't you care about?"
"About that money."
"What money? You're really a crazy woozy man." Louis burst out laughing again.
On the other hand, it was silent. Gurb had started talking about the driver's family. The driver didn't appreciate it. Gurb meant well. The driver smelled of alcohol. Or was it me? His nails were polished. Maybe his wife was a specialist. I bite my nails myself. Like now.
"In the Mini, oh yeah."
"Shut up. Illegal man."
"You'll never know."
"Stop playing. Just say it!"
Louis grabbed my head, pulled himself towards me, and brought his mouth to my right ear. "Why so serious?" he whispered. He didn't want to tell me.
"But always with this damn money, huh?" I almost shouted at Louis. I broke every silence within a radius of 10 kilometers.
"I'm trying my best, bro. It is what it is. I can't make it any different," he replied. It was clearly bothering him deeply. He ran his hands through his hair. "Sometimes people have to do things. And you know that better than anyone. Sometimes they have to do things they don't really want to or aren't supposed to do."
I knew this spiel all too well. Through all the drunken haziness, I suddenly saw a small glimmer of light. A tiny spark of sincerity. Louis was serious this time.
"I'm sorry. I didn't want to involve you in this. I'm sorry," sweat dripped from his forehead.
"You're serious, huh? Damn, man. What mess have you gotten yourself into now? Worse than Terschelling?" Worse than Terschelling would mean stolen goods. Maybe even violence.
"It's not what you think."
"The Adlon Hotel, right?" the driver chimed in. Always saved by the bell, that Louis.
Suddenly I hit my head against the seat in front of me. Of course, I wasn't wearing my seatbelt. The last thing I saw was Gurb waking up in panic from his drunken stupor. One by one, I started losing my senses. It started with the feeling in my fingers. For a brief moment, everything wasn't quite black, and I could only see a vague pattern of colors repeating inside my eyelids. You could compare it to the brief moment after the commercial break before the movie starts in the cinema. The movie was about to begin.
I knew I wasn't dying. At least not yet. Not like this. Not after an overall mediocre night out in Berlin. I found comfort in the image I forced myself to see. It was all in my head. There I was, unconscious.
I saw myself in a third-person point of view. It wasn't like I was actually leaving my body. More like there was a webcam hanging in one of the upper corners of the taxi.
As a child, I used to dream a lot about death. Nights spent awake.
At some point, I developed a kind of compulsive behavior. I kept swaying my torso from left to right with my hands under my head. It became almost like a workout before bedtime. Every night.
I called it dream shuffling. Just like I had learned to shuffle puzzle pieces or playing cards. Making things a little exciting for yourself. But what I almost never told anyone was that I was scared. I was afraid of burglars, who were very agile and muscular.
Especially afraid that they would murder me. I really wanted to know what death was like. It scared me.
These fear visions originated during an all-inclusive vacation in Turkey. I was 6 years old and already in bed. There was a big old TV in our hotel room, so I could secretly watch TV from bed. Every evening, my parents sat on the balcony. Here they discussed their day while enjoying a glass of alcohol. There was a Japanese animated series on TV. In the few seconds that I watched, I saw a scary creature climbing a sort of apartment complex via the balconies. The creature had hundreds of teeth and blond hair. It quickly entered to decapitate the people, then drained them and, as a final insult, robbed them. Dozens of carcasses of dead people were scattered around the apartment complex. The complex on TV resembled the resort where we were in reality, and the TV world merged with my surroundings. I became part of it. I saw people watching. No matter how loudly I screamed for help, they didn't react. The sun became very bright, and the people turned into nothing more than shadows. As the intensity of the sun increased, something became clear to me. These were not people. They had a sort of orange skin. Where I had previously thought it was their nose and mouth, it turned out that these shadowy figures did not have such physical features. They simply had three holes in their heads. The police tried to do something, but in vain. Since then, we always kept the light on in the hallway outside my bedroom. By rocking back and forth, from left to right, I could glance fleetingly at the beam of light under the door. That bit of light, escaping from the hallway into my room, gave me an advantage. It allowed me to stay one step ahead of the burglars. Pretty smart, right?
"From Jamaica to the world!
It’s just love. Why must the children play in the street?"
It was Bob Sinclar with "Love Generation" speaking to us through the taxi's speakers. We were stationary. I was conscious again, but I didn't feel alive at all. "How long was I out?" I asked Louis.
I could tell by his expression that he was relieved. Relieved that I was back. "One minute," he almost apologized. Louis gave me a pat on the shoulder. Gurb, on the other hand, was sleeping. He slept like a baby cub.
I put my right index finger on my forehead. It felt wet, but it wasn't blood. Blood feels different. Meanwhile, I kept hearing whistling.
"Be the love generation! Oh yeah!" It was still that same song by Bob Sinclar.
The earlier scent of alcohol had now been replaced by the smell of incense. It smelled like the same incense I had in my room. Sold to me as Tibetan 39 incense. I had bought it at a coffee shop in Rotterdam. I pulled up my notes on my phone. "Who lights incense in a CAR????" I let Louis read from my screen. He took the phone from my hands and started typing as well.
"Look at Gurb >>>" Gurb was so deeply asleep that his head drooped. His seatbelt held his torso in place, but his head ended up on the driver's shoulder. The man didn't mind. He didn't move. I made eye contact with the driver through the rearview mirror, and soon I found him. He winked at me.
We arrived at the hotel. Gurb awakened from his alcoholic hibernation. "Who's going to pay for the taxi?" I asked. Clearly rhetorical. I already knew I would take this one for the team, as usual. I refused to use Louis's money. It was uncomfortably quiet. "By card please," I said.
"I'll always protect you, Louis. You really need to know that. I care about you like my own little brother. I'll always try to help you. But you have to be honest with me. Can you do that?" Louis didn't hesitate.
"Yes. Yes, I can. I'll show you. It's really in the Mini." Meanwhile, the taxi driver's card machine indicated that I had insufficient funds. That couldn't be right. Maybe I had withdrawn too much that evening.
"I have cash in the hotel room," Gurb said to me. Gurb informed the driver in broken English that he would go get his cash. The driver agreed. Money is money, whether it comes now or later. As long as it feels good in your hands.
Louis and I got out of the taxi. "You're not going to light a cigarette now, are you?" Louis wanted to smoke. "Especially for stress. That's really for people who can't handle pain. You need to feel pain. Pain needs to brand you for the rest of your life so you finally learn not to do such stupid things." It fell silent again. My blood boiled. All pots were on the stove. I felt like Gordon Ramsay in the kitchen. "Show me then. Do it."
Louis remained silent and walked around the corner of the hotel. Towards the parking lot. I followed him. "You're not going to find much," said Louis.
"Why not? Are you a magician?"
"No. Just. Not much."
"So there's suddenly magically nothing in Gurb's car?"
"Stop. Get out. Get out of my head!" Louis shouted. Louis had had enough. He was done with the parade. Normally we dealt with hypothetical stories. Only this time it wasn't a joke. I was sure now. Louis had dropped his mask. The revolution had begun. The government had fallen and the dikes had broken. The people were in charge. "You shouldn't freak out like this. Always wanting more. Sweet boy, think about yourself."
After Gurb gave the money to the driver, he came to us. He had a smile on his face, lit a cigarette, and exclaimed, "Brothers!" Once with us, he hugged me. He started laughing. "Maybe I haven't been entirely honest either." Sometimes Gurb seemed like a 38-year-old man. In a positive way. He exuded confidence in a way I didn't often see. Affectionate, with a hint of authority.
We stood in the middle of a large parking lot. "Look. We've reached a point where I might not even care anymore. You guys are teasing me." It did matter to me. Maybe more than ever. I was supposed to be two steps ahead of them, but I couldn't figure it out. "I give up."
The delightful silence returned. Louis and Gurb looked at each other. "You guys win. Apparently, I'm not to be trusted as a friend."
From Louis's expression, I could tell he disagreed with this. "Not true. Come to the car."
We arrived at the car. Louis unlocked it and searched for the trunk button. Gurb had started his third cigarette. "It's a corpse, isn't it? Say it now. I can still help you. I can still help us. I can book a ticket for you. We can get you out of here," I said to Louis.
"Just wait. Nutcase."
"Why won't you accept my help?"
Louis started laughing nervously. Or at least it seemed that way. Perhaps a sly laugh too. Had Louis killed someone? "It's not a corpse. That can't be. You wouldn't be stupid enough to use their ID. You're smarter than that. So it must be something stolen. Haven't you found that button yet?"
Suddenly, we heard a click. Louis had found the button. Somewhere, I didn't want to know. Shouldn't I just trust Louis? Wasn't that the whole point of friendship?
Finally, the moment had arrived. I placed my right hand in the slot of the rear hatch. Something in me doubted. Still. I still doubted. Louis looked dead serious. "You wanted to know, didn't you? Then you also have to be man enough to accept it." Louis was clearly not joking. Or was he acting again? "Pussy," Louis said. I looked away. "You're afraid of what's inside, huh? You're afraid of the real Louis." He began to laugh manically. "Open that thing, man. Nutcase!"
I started laughing too. Why did I make such a big deal out of it? Sweat broke out from every pore in my body. It was even a bit damp in the no man's land between my scrotum and my anus. A tropical climate. It had been quite an adventure the whole evening. I took my hand off the rear hatch and first gave Louis a hug. Not some half-hearted birthday wish. No, a real hug.
"It's okay, buddy," Louis said to me. I had no idea what he meant by that. It fit the moment though.
It was really time now. I opened the rear hatch.
"Where is it?"
"In front of you," said Louis.
"In some secret compartment?"
There was nothing in the trunk. Absolutely nothing. An empty trunk. For an empty evening, in an empty Berlin, with an empty group of guys. I didn't get it.
"You won, man," I whispered. "You finally fucking done did it."
I couldn't believe my eyes. Empty? There was still nothing in the car. Louis just stood there. Emotionally, I was a wreck. I had felt every emotion this evening. Seen every color and smelled every scent. I was done. My body was ready. No longer needed. My mission was complete.
"But why did you do this?" I asked Louis, laughing.
He scratched his chin. It felt like the end of a bad movie.
"I sold our Playstation. Wanted to tell you only after I had sorted everything out again. I terminated my lease. Had some debts, and I also wanted to have some money for once. Once not empty-handed in the club. Once not dependent on my best friends. This is not who I am... I know how much that Playstation meant to you. It was ours together. I should have just told you."
"… and how does Gurb actually make his money?"

Yesterday I checked my report on credit karma, and saw I had a collections account from an apartment I left in August of 2023. Not only was I not notified of the debt, I was told that I wouldn’t owe anything if I moved. So in July of 2023 I contacted the states legal aide and was appointed an attorney to help with my eviction process. We were able to challenge the eviction and the day before court, the attorney tells me he can’t go to court with me because he was actually friends with and represented the property manager’s son at one point. In my opinion, he and the property manager knew this weeks before and failed to mention it. The attorney informed me of the process and that if I didn’t pay and just chose to move out I can and wouldn’t be responsible for the balance and they wouldn’t come after me if I left something’s in the unit(I had to move in 24 hours and there were some things I just couldn’t take). He literally emailed me and told me I wouldn’t be penalized if I left items there which now he denies. So fast forward to yesterday after talking to the debt collection agency, I was told I’m being charged for back rent, items I left and attorney fees. Contacted the lawyer and of course he’s trying to protect himself and eventually hung up in my face. The rep from the collection agency told me they mailed correspondence to me but the address the property manager provided was the apartment complex. She didn’t provide an email address nor my phone number so the collection agency was unable to reach me because all they had was the apartment address. Property manager definitely had my phone number and email address but failed to contact me and let me know of this. I’m not trying to get out of paying if I legally owe something but I’m definitely ticked off because I could have resolved this before it hit my credit if I had known I would owe. What can I do? I’ve been researching since yesterday but can’t find anything to help and at this point I don’t even trust these lawyers.

The relevant facts: I am 55, in USA, and about to receive a $25k cash divorce settlement. My credit is pretty crappy. I have $25k in unsecured debt that is current, $25k in bad/charged-off unsecured debt, and an auto lease that is about to term (11/24) in which I have a favorable equity/residual position and can buy for around $22k all in, all done.
My original plan was to use the cash to purchase my car with a few $k left to cover attorney fees and some miscellaneous expenses. I have to move soon and my rent is going up (will offset the lack of a car payment) so I am looking at 4+ more years of tight budget, rice and beans, and an inability to better prepare for my rapidly approaching retirement.
I could use the settlement to pay off the current unsecured debt which would free up about $550/month, but my auto lease extension runs out in November, and I'm not sure if that's enough time for my credit to improve to the point I could get reasonable financing for the lease buyout. I do need a car to live/work, etc. and this vehicle represents my best odds at an affordable, reliable car. In this scenario, I think it would still be very tight budget-wise as low/no down payment and higher interest due to bad credit would make car payment $400+ for 4-6 years
I could just buy the car and try to flip it, maybe make $5k, and then look for a 12 year-old Camry or something and potentially solve both the current debt and transportation problem and leave me some budget room to address the old charge-off and retirement savings. This feels risky.
Then there's the possibility of CH7 (I qualify) but would have to get creative/borderline unethical to protect/reduce the equity in my vehicle to keep it. I feel some kind of way about bankruptcy (ethically), but my credit is already trash and I'm kind of exhausted generally, so I'm open to anything.
I'm (obviously) terrible with money and feel like I don't understand what else I could do to best manage this windfall to improve my situation. Are there other ways I could/should be imagining this? Please help! Thank you so much...

Hello all!
Im debating in applying 100k of saving towards my mortgage or not, but I wanted to run it by you guys and see what is recommended. Couple of things you should know:
105k in a 4.6% high yield savings account.
Mortgage is 134k at 4.75% rate. Maturity Feb 2047.
No other major debt.
I do have a 401k account and was keeping this money in a savings account for a potential investment, but I haven’t found any opportunities in the last couple of years.
Let me know what you guys think, or if you need more information.
Thanks in advance!

I am a single 27 M, and I am becoming increasingly worried about my financial situation. Here’s a broad overview:

• Yearly salary: $56 375 (This month I took home $3590 after tax)
• Rent: $1183/month. Living in Toronto with a roommate. (If this seems, low it’s cause we have an uneven rent split, which I am very fortunate to have)
• Bills: approx $350/month
  • This includes internet, subscriptions (which I am trying to cut down), hydro/water, transportation
• Groceries: I budget about $350 a month but usually spend less than that
• Therapy: $400 a month. (Expensive, but my mental health is important to me. Parents have also offered to subsidize this expense)
• Debt: None
• Savings: $15 000 in a savings account, $300 in a TFSA
• No car (Don’t drive, but working on that)
• Credit score: 800+ according to Equifax

In terms of unneeded expenses, I have spent too much money on weekend fun (ordering out, booze and travel) since last July (my savings have decreased by about $3000 in the past 6 months), but I am lucky that most of my hobbies are fairly cheap (DnD, running, reading, video games, lifting in my apartment’s gym).
With this information in mind, I have 3 questions:

1. Is my current cash flow (in and out) irresponsible? I know that’s a broad question, so hopefully, the following life goals can help clarify how my spending could affect my future life satisfaction:
   
   1. I’d like to be able to have a kid around the age of 35 and pay a generous amount of their post-secondary education
   2. Own a house in Southern Ontario by the time I am 35-40. I have never assumed Toronto would be forever, so I am fine to leave within the next 2 years.
   3. I want to travel once a year while I am young and single, internationally if possible
2. Aside from the obvious problem of spending money partying on the weekends, what should I start doing now to ensure I am financially safe in the future?
   
3. How strongly should I consider looking into getting a second job? I am lucky that my profession lends itself to freelancing (copy/content writing), and I also have kitchen experience.
   

Any advice is appreciated, and I will be monitoring the comments to answer any questions you have!

Welcome to Spell Token Daily!!!!!! 🔮📖🧙‍♂️🪄💫✨⭐️🌟🌕
(Workaround required for US based IP addresses!! IP/VPN blocking has been activated by the abracadabra team to avoid any SEC backlash!! Forked unblocked links to the abracadabra front end can be found below) ✅
Helpful LINKS and INFORMATION can be found underneath the disclaimer!!! 🐸🦍
Disclaimer:
Consider all information posted here with several liberal heaps of salt, and always cross check any information you may read in this chat with known sources. Any trade information posted in this open chat may be highly misleading, and could be an attempt to manipulate new readers by known "pump and dump (PnD) groups" for their own profit. BEWARE of such practices and exercise utmost caution before acting on any trade tip mentioned here.
Please be careful about what information you share and the actions you take. Do not share the amounts of your portfolios (why not just share percentage?). Do not share your private keys or wallet seed. Use strong, non-SMS 2FA if possible. Beware of scammers and be smart. Do not invest more than you can afford to lose, and do not fall for pyramid schemes, promises of unrealistic returns (get-rich-quick schemes), and other common scams. Credit: CryptoCurrency
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Promoted blog post —> https://mirror.xyz/0x5744b051845B62D6f5B6Db095cc428bCbBBAc6F9/rpL2QJ1F6Eb7K2Lt5Yy7fnK-Endz6Jr9-7VlYw6jSO8
🔮
FOR SPELLCASTERS IN VPN/IP BLOCKED TERRITORIES - You can try to use a VPN (may have to change VPN location several times before it finds a working IP. Proton VPN is free OR you can try out a community forked IP!

• https://abracadabra-us.money/#/ - Forked by Spellcaster roxx3r
• https://abracadabramoneyunblocked.on-fleek.app/#/ - Forked by Reddit Mod MagicThePuff (SpellcasterPuff📖🪄)

(Will be updating "https://abracadabramoneyunblocked.on-fleek.app/#/" as updates release to keep the Front End working properly!)
It is possible for anyone to fork the abracadabra UI as well!! For more information on forking a UI —> (https://docs.github.com/en/get-started/quickstart/fork-a-repo)
FOR SPELLCASTERS INTERESTED IN BURNING SPELL TOKEN - Send $SPELL to “0x090185f2135308BaD17527004364eBcC2D37e5F6” (Token Contract Address) —> https://etherscan.io/address/0x090185f2135308bad17527004364ebcc2d37e5f6
🔮
Staking: (Check https://wenmerl.in for each “buyback” and “collection”)

• $sSPELL - Deposit $SPELL for $sSpell.
• $mSPELL - Deposit $SPELL for $mSpell.

Other Staking Methods

• $mGLP - Deposit your staked $GLP for $mGLP.
• $mAPE - Deposit your staked $APE for $mAPE.
• $mKLP - Deposit your staked $KLP for $mKLP.
• $mLVL - Deposit your staked $LVL for $mLVL

(Interest bearing assets can be utilized for loans/leveraging on abracadabra.money, or utilized using different protocols.)
KEEP IN MIND!! $MIM has an intrinsic value of $1 no matter what the market prices it thanks to the collateral backing it. Interest rates CAN BE increased to incentivize repayments until the $1 (or in this case 1 USDT) parity is reached in the main pool!!
HELPFUL LINKS:

• (https://abracadabra.money/)
• (VPN/IP BLOCK WORKAROUND) https://abracadabra-us.money/#/ - Forked by Spellcaster roxx3r
• (VPN/IP BLOCK WORKAROUND) https://abracadabramoneyunblocked.on-fleek.app/#/ - Forked by Reddit Mod MagicThePuff (SpellcasterPuff📖🪄)
• GREAT PLACES TO GET $MIM!-

https://app.camelot.exchange/
https://swap.defillama.com/
https://curve.fi/

• Abracadabra Debt can be found under “MIM Cauldron” debt!! —> (https://zapper.xyz/apps/ethereum/abracadabra?tab=holdings&addresses%5B%5D=0xa71a021ef66b03e45e0d85590432dfcfa1b7174c&addresses%5B%5D=0xdf2c270f610dc35d8ffda5b453e74db5471e126b)
• Breakdown of Abracadabra Debt —> (https://zapper.xyz/bundle/0xdf2c270f610dc35d8ffda5b453e74db5471e126b?tab=dashboard)
• (https://x.com/MIM\_Spell?s=20)
• (https://x.com/MIMSwap?s=20)
• (https://zapper.xyz/daos/abracadabra) (Check out the abracadabra treasury wallet)
• (https://portfolio.nansen.ai/dashboard/0xfddfE525054efaAD204600d00CA86ADb1Cc2ea8a) (Check out 0xmerlin.eth’s wallet on nansen.ai)
• (https://zapper.fi/account/0xmerlin.eth?tab=dashboard) (Check out 0xmerlin.eth’s wallet on zapper.fi)
• (https://wenmerl.in/) (Check Buybacks/Collections for sSpell/mSpell - Community Driven)
• (https://forum.abracadabra.money/)
• (https://rekt.loan/) (Community Driven, Check liquidations) - by mDreamy4
• (https://analytics.abracadabra.money/overview) (Official analytics page to keep track of Abracadabra.money)
• (https://www.abrastats.money/about) (Community Driven analytics page to keep track of Abracadabra.money (may be out of date))
• (https://dune.com/brab/beam) ($MIM Beaming analytics page, setup by brab AKA u/stablebrab)
• (https://dune.com/melenxyz/abracadabra-mim-beaming) ( $MIM Beaming Revenue page, setup by melen AKA u/melenxyz)
• (https://youtube.com/@shadowboy835) (Video versions of AMAs)
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• (https://mirror.xyz/0x8A7f7C5b556B1298a74c0e89df46Eba117A2F6c1) (Daniele Sestagalli’s Blog, “Chief Frog of Frog Nation”) NOVEMBER 21, 2022: DANIELE HAS BEEN DECLARED NO LONGER ACTIVE AS AN ABRACADABRA TEAM MEMBER
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Lets shed some light on a pressing issue that deeply affects our beloved Yemeni people. The insidious impact of khat consumption on our economy. This crisis, is fueled by the insidious leafy plant known as khat and has dismantled lives, torn apart families, and turned our beloved Yemen into a nation gripped by addiction.
It has created significant toll on families and there finances . Khat's grip on Yemen is like a vice, squeezing the life out of our people. What was once an occasional indulgence has now become a near-daily ritual for a staggering portion of our population. Imagine—up to 90% of Yemeni adults, including children as young as 12, are caught in its clutches. This addiction has ravaged our families, our finances, and our future.
Financially, khat is a relentless parasite. Families spend more on their khat habit than on basic necessities, leading to bankruptcy and financial ruin. In a country where 85% of the population needs aid and the average annual income is less than $2,200, the cost of khat is devastating. Entire families are plunged into poverty, their finances drained to support this destructive addiction.
Destroyed lives and lost smiles. The social impact of khat is a tragedy unfolding before our eyes. Families that once thrived are now in tatters. Parents neglect their responsibilities, children grow up in chaos, and the very fabric of our society is unraveling. Picture the scene—men, women, and even children with bulging cheeks and glassy eyes, lost in hours-long khat sessions. It is a haunting sight, a silent scream for help.
The loss of productivity is another casualty in this war. Khat chewing sessions last for hours, stealing time from work and other productive activities. Our economy, already crippled by years of civil war, suffers further as the stimulant effect of khat gives way to lethargy, leaving users incapable of contributing to their communities.
But the devastation doesn’t stop there. Khat is not just a social and economic disaster; it is a public health crisis. The communal nature of khat chewing, with people sharing bags and bundles of leaves, has turned it into a vector for disease. COVID-19 highlighted this risk, with crowded markets and shared consumption spreading the virus like wildfire.
The long-term health effects of khat are severe. Chronic use leads to dental problems, gastrointestinal issues, and cardiovascular diseases. And yes, there have been khat-related deaths, as its amphetamine-like properties wreak havoc on the body, especially when consumed in large quantities.
Where there is desperation there is crime. Desperation drives some Yemenis to crime. Theft, smuggling, and even violent acts have increased as addicts seek ways to fund their consumption. Khat’s influence extends even to the battlefields, where combatants pause fighting to chew, a stark reminder of its pervasive hold on our country.
Is there a solution? We first we must address this crisis with a multifaceted approach. Education and awareness campaigns are critical to changing public perception and reducing demand. We must illuminate the health risks and economic consequences to dissuade new users.
Economic alternatives are essential. We must provide farmers with incentives to grow other crops, reducing agricultural dependence on khat. Supporting small businesses and creating job opportunities can offer viable alternatives to those currently engaged in the khat trade.
We must tackle this crisis with a comprehensive approach:
Economic Diversification:
Alternative Crops: We need to encourage the cultivation of alternative crops by providing financial incentives and support to farmers. This shift will help alleviate food insecurity and stimulate other sectors of our economy.
Sustainable Practices: Promoting sustainable agricultural practices can ensure long-term food security and economic stability.
Public Awareness Campaigns:
Education Programs: We must educate our population about the financial, health, and social consequences of khat consumption. School programs, community workshops, and media campaigns can play a crucial role in changing public perception.
Cultural Change: Working with local leaders and influencers to shift cultural norms around khat use can help reduce its prevalence.
Health Interventions:
Medical Services: Increasing access to medical services to treat the health consequences of khat use.
Health Education: Implementing health education programs to inform the public about the risks associated with khat consumption.
Law Enforcement and Regulation:
Regulation of Khat Trade: Implementing stricter regulations on the production, sale, and consumption of khat to curb its widespread use.
Support for Law Enforcement: Providing resources and training to law enforcement agencies to effectively tackle khat-related crimes.
Economic and Social Support:
Job Creation: Creating job opportunities and supporting small businesses can offer viable alternatives to those currently engaged in the khat trade.
Social Services: Expanding social services to support families affected by khat addiction, ensuring they have access to food, education, and healthcare.
It is painfully clear that khat addiction is not just a personal issue it is a crisis that is tearing apart the very fabric of our nation. This insidious plant is robbing us of our potential, our health, and our future. But we, the new generation, are able to change this narrative.

Hey everyone,
It's time to make a stand and seize an incredible opportunity with FFIE. Just like the epic rise of GME, FFIE is poised to be the next big squeeze, and here’s why you should be fired up and ready to act.
🔍 The Facts:

• 35 MILLION shares are currently LOANED out. This means there’s a massive short interest.
• Shorts still have NOT covered. They are sitting on unrealized gains, but those gains can turn into devastating losses if we unite.
• Loan = Interest. Shorts are paying hefty interest rates on their borrowed shares.
• Interest = Money. The longer they hold, the more they bleed money.
• Money = HUGE Loss. The potential for a massive short squeeze is real and within our reach.
• 58,000 calls were in the money on Friday. When exercised, this could result in buying 58 million shares, further increasing the pressure on shorts.

🌐 The Tactics Against Us:

• They are spreading FUD (Fear, Uncertainty, and Doubt).
• They are attempting to pump and dump to shake weak hands.
• They are even trying to silence us by removing forums and spreading misinformation.

💡 The Reality:

• Shorts are banking on FFIE filing for bankruptcy to lock in their gains.
• Until they cover or the company folds, their gains are just on paper.
• We have the power to stop FFIE from filing for bankruptcy by buying and holding.

✊ Our Mission:
We’ve seen it with GME, and we can do it again. This is more than just a stock; it’s a movement. By buying and holding FFIE, we force the shorts into a position where they must cover, triggering a massive price surge.
📅 Key Dates:

• Tuesday, May 28th, 2024: Earnings webcast scheduled.
• June 25th, 2024: FFIE needs to reach a minimum bid price of $1 for ten consecutive trading days to regain compliance with Nasdaq Listing Rule 5810(c)(3)(A).

📅 Action Plan:

• Buy and Hold: Every share we buy and hold increases the pressure on shorts.
• Stay Informed: Don’t fall for scare tactics and misinformation.
• Spread the Word: Rally others to join the movement.

Additionally, SSR (Short Sale Restriction) is ON Monday, which will limit some shorting. However, we know they might use Short Exempt to short anyway.
Let’s make history again. This is our chance to turn the tables and achieve something monumental. Let’s turn FFIE into the next GME and watch as the shorts scramble to cover.
💥 M*onday is our day. Buy, Hold, and watch the magic happen. *💥
Together, we are unstoppable. Let’s make FFIE soar!
🚀 #*FFIE2TheMoon *🚀