who can you trust?

This is just one benchmark (for USA adult citizens), but it does tell you something useful, especially when there's a long history.

I hadn't checked my credit rating for many years, but now it's common for many banks to give free credit reports, with 'soft' inquiries that don't lower your credit rating.

(hard inquiries, for example getting a big loan from the bank, will lower your credit score).

Why is my current debt only "very good" and not "exceptional"?

Because you have to have activity, you have to have debt and owe money and show repayment history to get the highest score.

Besides monthly credit card usage, which I pay off the full amount every month, which is essentially temporary petty cash money that I pay off instantly, I have a large savings (for my lifestyle) and zero debt. I owe nothing to no one (in long term debt beyond one month credit card cycles).

If I wanted a better credit score in this category, one way to do it is get a 30 year mortgage on a house and pay it off the monthly installments on time.

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Lucid24.org: What's new?

Link to lucid24.org home page : 4👑☸ Remember, you may have to click the refresh button on your web browser navigation bar at to get updated website. 2024 9-17 Lots of new stuff in the last 2 and a half years. Too many to list. Main one justifying new blog entry, is redesign of home page. Before, it was designed to please me, super dense with everything in one master control panel. I've redesigned it to be friendly to newbies and everyone really. Clear structure, more use of space. At someone's request, I added a lucid24.org google site search at top of home page. 2022 4-14 Major update to lucid24.org, easy navigation of suttas, quicklink: the ramifications 4-2 new feature lucid24.org sutta quick link 3-28 A new translation of SN 38.16, and first jhāna is a lot easier than you think 🔗📝notes related to Jhāna force and J.A.S.I. effect AN 9.36, MN 64, MN 111: How does Ajahn Brahm and Sujato's "Jhāna" work here? 3-13 Added to EBPedia J.A.S.I. ('Jazzy...

Advice to younger meditators on jhāna, sex, porn, masturbation

Someone asked: Is porn considered harmful sexual.activity? I don't have a sex life because I don't have a partner and I don't wish to engage in casual sex so I use porn to quench the biological urge to orgasm. I can't see that's it's harmful because nobody is being forced into it. The actors are all paid well and claim to enjoy it etc. The only harm I can see is that it's so accessible these days on smart devices and so children may access it but I believe that this is the parents responsibility to not allow unsupervised use of devices etc. Views? Frankk response: In another thread, you asked about pleasant sensations and jhāna. I'm guessing you're young, so here's some important advice you won't get from suttas if you're serious about jhāna. (since monastics are already celibate by rule) If you want to attain stable and higher jhānas, celibacy and noble silence to the best of your ability are the feedstock and prerequiste to tha...

AN 9.36, MN 64, MN 111: How does Ajahn Brahm and Sujato's "Jhāna" work here?

What these 3 suttas have in common, AN 9.36, MN 64, MN 111, is the very interesting feature of explicitly describing doing vipassana, while one is in the jhāna and the first 3 formless attainments. LBT (late buddhist text) apologists, as well as Sujato, Brahm, claim that the suttas describe a jhāna where one enters a disembodied, frozen state, where vipassana is impossible until one emerges from that 'jhāna'. Since Sujato translated all the suttas, let's take a look at what he translated, and how it supports his interpretation of 'jhāna'. AN 9.36: Jhānasutta—Bhikkhu Sujato (suttacentral.net) ‘The first absorption is a basis for ending the defilements.’ ‘Paṭhamampāhaṁ, bhikkhave, jhānaṁ nissāya āsavānaṁ khayaṁ vadāmī’ti, iti kho panetaṁ vuttaṁ. That’s what I said, but why did I say it? Kiñcetaṁ paṭicca vuttaṁ? Take a mendicant who, q uite secluded from sensual pleasures, secluded from unskill...

notes on the Dhamma

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