General Info

[Dcrist0527]

I think you only need to worry about 4 x4 which is in a deserted downtown office building area at night. You don't have to worry abut time, but you may have problem getting Uber so you would have to take a taxi that's waiting outside and that should be fine. For that reason, we used to walk to the main street to catch Uber around or after midnight. It was fine until someone reported here that he was robbed.

The danger is there but it wasn't as bad as Medellin where it seems grigos are being hunted or watched.

BTW, Clinca is not a term used in Rio. It is only used in Sau Paulo for places similar to casa.

Thanks for the advice. And the correction. I apologize for the confusion. I just assumed SP and Rio would use the same lingo. My bad.

[Sperto]

BTW, Clinca is not a term used in Rio. It is only used in Sau Paulo for places similar to casa.

I don't care if a puteiro calls itself casa de massagem, privê or CLínica. However "CLínica" is also used in Rio. Some privées who consider they hold a higher standard use the name CLínica in their name. CLínica de massagem is like a privê offering massage and handjob (penetration might be negotiated).

[Nounce]

Newb question. What time is too late to be out at a termas? Assuming I uber from the termas directly back to hotel, is there a time or reason I should worry about being out too late?

I think you only need to worry about 4 x4 which is in a deserted downtown office building area at night. You don't have to worry abut time, but you may have problem getting Uber so you would have to take a taxi that's waiting outside and that should be fine. For that reason, we used to walk to the main street to catch Uber around or after midnight. It was fine until someone reported here that he was robbed.

The danger is there but it wasn't as bad as Medellin where it seems grigos are being hunted or watched.

BTW, Clinca is not a term used in Rio. It is only used in Sau Paulo for places similar to casa.

[Dcrist0527]

First noob strat I wish I had known last year: prioritize week days. Saturdays, hobby running at 30% and on Sundays operate 0%. These 2 days are best used meeting who ever you exchanged WhatsApp earlier that week.

Also unlike my Mexico antics: RDJ starts early like 10-11 am and be back early too, out too late the pick pockets and worse start filling the street tourists urged be out of there ahead of time.

Newb question. What time is too late to be out at a termas? Assuming I uber from the termas directly back to hotel, is there a time or reason I should worry about being out too late?

[CenTexCrash]

I have started reading my self for the past few hours as I am landing in rio end of Sept. For a week.

After reading thru few pages. Realized to stick with rio than SP. Hence I pushed my return flight and decided to stay put in RJ.

BTW. I am the first timer to RJ. I am collecting intel. Yet to book the accommadation. Would love tag along with repeaters to RJ to share some intel.

First noob strat I wish I had known last year: prioritize week days. Saturdays, hobby running at 30% and on Sundays operate 0%. These 2 days are best used meeting who ever you exchanged WhatsApp earlier that week.

Also unlike my Mexico antics: RDJ starts early like 10-11 am and be back early too, out too late the pick pockets and worse start filling the street tourists urged be out of there ahead of time.

[Dcrist0527]

I have started reading my self for the past few hours as I am landing in rio end of Sept. For a week.

After reading thru few pages. Realized to stick with rio than SP. Hence I pushed my return flight and decided to stay put in RJ.

BTW. I am the first timer to RJ. I am collecting intel. Yet to book the accommadation. Would love tag along with repeaters to RJ to share some intel.

This might be the least helpful post, as I've never been. I'll be in Rio for the first time in a few days. After my own research, I decided to skip SP altogether. I think the one benefit SP has is Scandallo. So I will miss out on that. But my primary goal is clinicas. And Rio won out, because it certainly has plenty of options and I'd rather spend non-mongering time in a beach town vs a large city.

I could have made the wrong decision. LOL. But just wanted to share my comparison based on my research.

[MadMax9336]

Flying into GRU next week for 7 days.

Kind of a revenge second chance at my botched 4 days in Rio last December.

While I attempt to uncover reports of distinction:

Confirming does SP have similar or better setups to RDJ's Clubs like 4 x4 and Perola Negra etc, spas like Eden Spa, unmarked residential high rise like 13 de Maio or guided tours of VM?

If really wanting second chance would I just be better off when arrive at GRU just hop on sleeper bus to RDJ for the entire week skip SP completely?

Context: sometimes my schedule and life gets hectic it's very hard to sit down and scroll thru several swaths of pages on ISG but will try my damnest to speed read Brazil threads starting right nzzzz ZzZ zZz ZzZ

I have started reading my self for the past few hours as I am landing in rio end of Sept. For a week.

After reading thru few pages. Realized to stick with rio than SP. Hence I pushed my return flight and decided to stay put in RJ.

BTW. I am the first timer to RJ. I am collecting intel. Yet to book the accommadation. Would love tag along with repeaters to RJ to share some intel.

[TjBrazil]

Well, I am a lawyer, and swiss banker, among other things. Debt management including to be-atches and school (just stop paying and when the school sends and insurance company to collect, sue the insurance company for harassment in state court, which will cause them to decide, this is not the droid the stormtroopers are looking for) is one of the keys to long term financial happiness.

PM vagabundo, my colleagues and I are glad to get on a chat with folks who might need help, haha.

I don't have student loans, but I have stiffed all my credit cards after every financial crisis: 9/11,2008 real estate crisis, and Covid shutdown. It helps with paying for the hobby.

[CenTexCrash]

Flying into GRU next week for 7 days.

Kind of a revenge second chance at my botched 4 days in Rio last December.

While I attempt to uncover reports of distinction:

Confirming does SP have similar or better setups to RDJ's Clubs like 4 x4 and Perola Negra etc, spas like Eden Spa, unmarked residential high rise like 13 de Maio or guided tours of VM?

If really wanting second chance would I just be better off when arrive at GRU just hop on sleeper bus to RDJ for the entire week skip SP completely?

Context: sometimes my schedule and life gets hectic it's very hard to sit down and scroll thru several swaths of pages on ISG but will try my damnest to speed read Brazil threads starting right nzzzz ZzZ zZz ZzZ

[Vagabundo1]

Well, I am a lawyer, and swiss banker, among other things. Debt management including to be-atches and school (just stop paying and when the school sends and insurance company to collect, sue the insurance company for harassment in state court, which will cause them to decide, this is not the droid the stormtroopers are looking for) is one of the keys to long term financial happiness.

PM vagabundo, my colleagues and I are glad to get on a chat with folks who might need help, haha.

While I totally agree in general on your thoughts about debts and their toxic consequences, let's not jump to crazy conclusions. In the USA debt is generally not inherited. Unless you cosign someone else's debt, then the creditors might go after you. Otherwise, the debt will normally be discharged with a death certificate.

Full disclosure: Am I a lawyer? No.

[Nounce]

Bearsi, I personally won't even consider someone still carry a student loan at your age. I don't know anyone after working a few years still owe student loan. If the student qualification is good, he or she can easily have a choice of the school he or she wants to go to with at least 50% scholarship. It the student does not choose to study a degree that can make money to pay off the loan, that decision making is questionable.

The female lawyer in my post. She went to a private college that gave her scholarship. While studying at school, she was making 6 K+ a month during summer internship. She won't own too much if she owed anything at all. Her brother is the same, but he chose to study a useless major. Then he saw his girlfriend and other people who studying computer science getting good job offers so he decided to take out a student loan to get a master degree in CS. He got a job offer one year before graduation. He did so because he knew he can pay off the loan easily by then. The irony is that he initially entered a prestige university to study CS to begin with but he switched major. I was also debt free when I graduated.

I know my regular family and friend circle is not the norm but you certainly can aim higher to avoid some financial issues

[Bearsi]

While I totally agree in general on your thoughts about debts and their toxic consequences, let's not jump to crazy conclusions. In the USA debt is generally not inherited. Unless you cosign someone else's debt, then the creditors might go after you. Otherwise, the debt will normally be discharged with a death certificate.

Full disclosure: Am I a lawyer? No.

"Federal student loans qualify for student loan discharge when the borrower dies.

There's just one catch to discharging federal student loan debt. The IRS may treat the cancelled debt may as income, leading to a tax liability. The federal government may send a 1099-see to the borrower's estate or to the borrower of a Federal Parent PLUS loan. The tax liability is less than the cancelled debt, but it may still be a non-trivial sum.

There is no law requiring lenders to cancel private student loans upon the death of the borrower.

Half of private student loan programs do not offer death discharges. If the borrower dies, the lender will charge the debt against the borrower's estate. The cosigner may become responsible for repaying the remaining debt after the estate is settled.

If you die, your widowed spouse could be left responsible for paying off your student debt, depending on your state of legal residence and whether you borrowed the education loan after you got married.

In the nine community property states – Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin – a surviving spouse may be held liable for repaying a private student loan following the death of a deceased spouse, even if they didn't cosign the loans, but only if they took out the loan after they were married. ".

[Mr Enternational]

Patrice o Neal sums up in this clip why it's so hard to quit mongering when you're older:

https://m.youtube.com/watch?v=yUYYX1...BvIG5lYWwgc2V4

I didn't even feel like fucking. I was content just using my scumbag zoom.

[Mr Enternational]

Every man's got a choice to make. If I'm hungry is new pussy going to feed me? NEW PUSSY CAN'T COOK! There's no wrong or right answer either way but I'm definitely not going to be that 80 year old man in scandallo that was coughing up a lung or two last time I went.https://www.youtube.com/watch?v=qp39zD6_cLU

LOL. If I am correct, he said that right before saying fuck this commitment shit, I can order Uber eats; then giving his wife half his shit to kick rocks. Pay special attention to how long he said life is when you make a wrong decision! Come over here to Thailand and see how happy the 80 year old men in the club are. Don't surrender man, don't surrender!

My dad is 73 years old. He said that he loves his kids, but if he had experienced all the places we have traveled to monger in beforehand, then he would have never gotten married. Now a Murphy for the checkmate!

https://youtu.be/wRXq8TKq-a8?si=WUxn9t9DVclbDrUW

[TjBrazil]

I think in the context of divorce. The income will be more important than how much she spends or saves. As long as she does not go into debt, the higher income she has, the less burden you will have and less likely she will go after you and you probably can go after her.

This is how you can walk away quickly like you mentioned in your original post. Issues related to law can't be delayed. When you are equal, you have more time to work it out. When you are not equal, you have to shut it down as soon as you can because time is another factor during divorce. You hear men talking about not getting divorce due to kids. But when you look at the age of the kids and maybe the non-working spouse, you know the man don't really feel he can afford to get a divorce because he has been married too long.

If you are sure she is the one, than you can take more risk to marry someone who makes 1/3 of your income, and what you said makes perfect sense but that is not how the law works when it comes to divorce.

All men should live by this rule when it comes to women:

https://m.youtube.com/watch?v=rGPWW9...IGRlIG5pcm8%3D