OIC

@hxxntrr Do you charge a flat fee or do you charge a percentage of the credit value that I receive? Thanks

You can get a $250,000 business credit line from a bank that rejected your $2,000 secured credit card application 6 months ago by changing absolutely nothing about your finances and only changing what product you apply for This is the single dumbest flaw in the American banking system and I exploit it for people every single week 6 months ago you applied for a $2,000 secured credit card (where YOU give the bank $2,000 first as a deposit). Capital One said no. "Based on your credit history we're unable to approve your application" Your score was 640. You had 2 collections ($4,800 combined) and high utilization (62%) on 2 open cards. Capital One's personal card underwriting team looked at your file and said you're too risky for them to hold $2,000 of YOUR OWN MONEY as collateral We fixed the credit first. Disputed both collections (one couldn't validate under FDCPA 809, deleted in 18 days. The other we settled for $600 with a deletion agreement). Paid both cards down to 8% utilization before the statement closing dates Score went from 640 to 721 in 58 days. Standard rebuild. Nothing fancy Now here's where it gets stupid With a 721 score, we didn't apply for the secured card again. We applied for BUSINESS credit cards. Same person. Same SSN. Same address. Different product category Chase Ink Business Cash: approved $35,000 Chase Ink Business Unlimited: approved $30,000 Amex Blue Business Plus: approved $50,000 US Bank Triple Cash: approved $30,000 Capital One Spark Cash: approved $40,000 Bank of America Business Advantage: approved $45,000 Total: $230,000 in 0% business credit Capital One, the same bank that denied her for a $2,000 secured card 6 months ago, approved her for $40,000 unsecured at 0% interest FORTY THOUSAND DOLLARS. From the same bank. Same vault. Same money. Different product The $2,000 secured card she was denied: she would have given them $2,000 as collateral. Their risk: literally $0 because they're holding her deposit. They said no The $40,000 unsecured business card they approved: no collateral. No deposit. If she defaults they lose $40,000. Their risk: $40,000. They said yes The bank said no to zero risk and yes to $40,000 in risk. Because the personal card team and the business card team use different algorithms, different risk models, different approval criteria, and they do not communicate with each other The personal card algorithm weights: credit score, utilization, payment history, derogatory marks, income. Heavily penalizes collections and high utilization even after they're fixed because it looks at the HISTORY of your file The business card algorithm weights: credit score (current), stated business revenue, time in business. It barely looks at historical derogatories if they've been removed. It doesn't verify revenue. And it has lower approval thresholds because business lending carries regulatory incentives that personal lending doesn't Same human. Same credit file (now cleaned up). Two completely different answers from the same bank depending on which URL you use to apply The personal card application: capitalone .com/credit-cards/apply The business card application: capitalone .com/small-business/credit-cards One URL leads to a denial. The other leads to $40,000 at 0%. They're on the same website. You just click a different tab Here's the full play for someone starting from bad credit: Phase 1 (Days 1-60): Fix the credit score. Dispute collections. Settle what can't be disputed. Optimize utilization. Add authorized user tradelines. Get the score above 700 Phase 2 (Days 61-72): Form an LLC ($50-200). Get EIN (free, 5 minutes). Open business checking ($100 deposit). Wait 10 days for the banking relationship to register in the system Phase 3 (Days 72-83): Apply for business credit cards across 6 banks. Bureau sequenced. 11-day application window. Each bank pulls a different bureau. None of them see the other applications Phase 4 (Day 84): You have $150K to $300K in 0% business credit Total timeline from "denied for a $2,000 secured card" to "$250K in 0% business credit": roughly 90 days The same banks that said no are now saying yes. To MORE money. At LOWER interest. With LESS documentation. Because you changed the product, not yourself 3 months ago you couldn't get $2,000 of your own money held by Capital One Today Capital One is handing you $40,000 of THEIR money at 0% and asking for nothing in return except a promise to pay it back someday the american banking system has a front door and a side door. the front door has a bouncer who checks your history, your income, your utilization, your derogatory marks, and your zodiac sign before letting you in for $2,000. the side door has an algorithm that checks your credit score, sees 720, and hands you $40,000 while the bouncer is still reading your application for the secured card. and nobody at the bank realizes the side door exists because the person who built the bouncer has never met the person who built the algorithm lmfaooo (we fix credit in 30-90 days then build the full business credit stack. the journey from "denied for $2K" to "approved for $250K" is a 90-day process and we run it every single week. link in bio)

@barrettjoneill A guy who cannot afford credit card payments most likely would not have a high cc score to pull a business credit card

@barrettjoneill A person using business credit cards is most likely using his personal credit score to PG the business credit cards. My assumption is that the Rolex guy has a credit score of 720 or higher. That would rule out someone who is not educated with credit cards.

Most certainly did not happen. Do not use credit cards if you can’t afford to pay them off. This is terrible and dangerous “advice”

@hxxntrr Is some of the funding set aside to make monthly payments to the credit cards? Thanks for the info

You can take a quarter million dollars from American banks and pay yourself a $7,000/month salary for 3 years while you build a business from scratch and the banks can't do a thing about it because that's a legitimate business expense This is how funded startups work. Y Combinator gives founders $500K and those founders immediately start paying themselves a salary from the investment. Nobody calls that fraud. Nobody says "you have to give the money back because your business hasn't made money yet" The only difference is YC takes 7% of your company for that $500K. The banks take 0% of your company for $250K at 0% interest. And YC rejects 98% of applicants. Banks approve 78% of 720+ scores at quarter end A woman in our program had a SaaS idea. She'd been working on it nights and weekends for 8 months while working a $62K/year project management job. She couldn't quit because she needed the paycheck. The business would never launch at 10 hours a week We stacked her $240K in 0% business credit. She quit her job the next Monday Here's how she structured the capital: $84,000 allocated to owner salary: $7,000/month for 12 months. Transferred monthly from business checking to personal checking. This is a legitimate business expense. The LLC pays its sole member a reasonable salary for full-time work on the business. It's deductible. It's documented. It's standard startup accounting $48,000 allocated to development: Hired a developer on Upwork for $6,000/month to build the MVP. 8 months of development = a real product $35,000 allocated to initial marketing: Google ads, content marketing, and cold outbound once the product launched in month 8 $24,000 allocated to operations: Software subscriptions, legal (LLC setup was already done but she needed terms of service, privacy policy, contractor agreements), accounting, insurance $49,000 held in reserve for runway extension and emergencies Total deployed across 12 months: $191,000 Remaining available credit: $49K buffer Interest paid to banks: $0 Month 8: Product launched. First 10 customers in month 9 at $299/month. $2,990 MRR Month 12: 44 customers. $13,156 MRR. Revenue covering her salary + minimums on the credit cards Month 14: 68 customers. $20,332 MRR. Started paying down principal aggressively Month 18: $38,000 MRR. All credit cards paid off in full from business revenue. She owns 100% of the company. No investors. No board. No dilution. No permission needed from anyone Current valuation at 8x ARR (standard for B2B SaaS): $3.6 million She built a $3.6M company using $240K in 0% bank capital that she paid back in 18 months without ever giving up a single share The comparison to traditional startup funding: YC: $500K for 7% equity. If she exits at $3.6M, YC keeps $252K. Plus she spent 6 months applying and interviewing Angel round: $250K for 15-20% equity. Exit at $3.6M, angel keeps $540K to $720K. Plus 4 months of pitching Bank credit at 0%: $240K for 0% equity. She keeps 100% of everything. Application took 11 days $720K in equity saved by using credit cards instead of investors. The banks got $0 in interest AND $0 in equity She told me "I used to think I needed investors to start a real business. I needed $7K/month in salary so I could quit my job and work on this full time. That's it. The banks gave me the salary. The business paid them back. I kept everything" the startup ecosystem is designed to convince you that you need someone else's permission and someone else's money to build something. you need a credit score and 11 days. the permission is built into the bank's approval algorithm. they already said yes. you just never asked every founder who pitched 200 VCs and gave up 20% equity to raise $250K could have stacked $250K in 0% business credit in 2 weeks, paid themselves a salary, built the product, and kept 100% of the company the venture capital industry is a $350 billion machine built on the assumption that founders don't know about business credit cards lmao (we get 700+ score business owners $100K-$250K in 0% business funding. whether you're building a startup, buying a business, or just need runway to go full time on your idea. dm me "funding" or link in bio)

@iluminatibot This is not an Amish owned building. This was a contract for hire. The Amish built the building for a customer who was extremely delighted with the work of grading and installing a path to her farm land she bought at the time. She contracted the building afterwards.

The Amish don't use solar panels or windmills to heat barns. They use their brains and a little propane. This is genius.

@BuschBeer #BuschDashForCash #Sweepstakes

LAP 131 AND THERE'S STILL A FEW MORE CHANCES TO WIN! Reply RIGHT NOW with #BuschDashForCash #Sweepstakes for a chance at $500 and the $10K GRAND PRIZE! #DAYTONA500

@RobertMSterling Well said! Hat tip to you!

(Warning: long rant) My liberal friends are completely oblivious about how radicalizing the last week has been for tens of millions of normal Americans. Zero clue. I’m not talking about people who are “online”; I mean regular, everyday Americans. “Normies.” People who scroll through Facebook posts and Instagram reels from the Dutch Bros drive thru line. Political moderates who have water cooler chats about Mahomes touchdowns and Bon Jovi concerts, not Twitter threads or Rachel Maddow monologues. Millions of them. Tens of millions. They’re logging on, they’re engaging, and they’re furious. And I’ll be candid: They blame you guys. They blame the left. Regardless of whether you believe it to be justified, they think you’re the bad guys here. And they are reacting accordingly. I can already hear some of you racing toward the comments to start screeching in moral indignation, so I’m going to be blunt: Shut up and listen to what I’m telling you. Your movement will lose any semblance of relevance if you don’t develop some small measure of self-awareness, and—absent someone force-feeding you bitter medicine—you guys collectively lack the humility to do this on your own. Here are the facts: Fact 1. Tens of millions of Americans started the week seeing a 23-year-old blonde woman—a young woman in whom virtually every parent watching pictured their own daughter—stabbed in the neck by a career criminal. These people then found out the murderer had been released from jail 14 times over. Fact 2. Two days later, tens of millions of Americans watched a video of Charlie Kirk get murdered speaking to college students. Millions of these people knew who Charlie was; millions of them didn’t. Upon seeing the video, however, these normal Americans from across the land and across the political spectrum agreed that he was the victim of a terrible, fundamentally unjustifiable crime, and their hearts broke in sympathy for his family. Good people who had never even heard the name Charlie Kirk before wept. Fact 3. Immediately after seeing the footage of a peaceful young man get shot in the neck, these same people logged onto Facebook and Instagram (remember, we are talking about regular Americans, not perpetually online Twitter or Bluesky users) and saw some of their local nurses, school teachers, college administrators, and retail workers celebrating this horrific crime. Not just defending it, but cheering it. These are all facts. You may not like the implications of these facts, and we can certainly debate the underlying causes thereof, but, indisputably, they are nevertheless factual statements. Here’s what it means for you, the Democrats reading this: These normal, middle-of-the-road, non-political citizens just become politically active. They realized that politics cares about them, even if they don’t particularly care about politics. After watching Iryna Zarutska and Charlie Kirk both bleed out from the neck, they think their lives and the physical safety of their families—the bedrock of human society, the foundation of Maslow’s hierarchy of needs—depend on political activation, whether they desire it or not. These people are now sprinting—not jogging, not walking, but racing—to the right. Because they blame you guys for everything that just happened. When they see footage of Decarlos Brown stabbing a Ukrainian refugee to death, they don’t see just one demon-possessed man. They picture every university administrator, HR bureaucrat, and DEI apparatchik that ever lectured them about systemic racism, the “carceral state,” or the need to release violent crime suspects without bail in the name of social justice. They then think back to conversations they’ve had with their cop friends—their buddy from high school who quit the force after getting tired of being called a racist, their friend at the local YMCA who vents about having to release career criminals because Soros-funded prosecutors aren’t willing to file charges—and they realize everything the left has told them over the last five years has been utter bullshit. And they blame you. Because, even if you count yourself as a moderate Democrat, your party supported the district attorneys, city council members, and mayors that let fictitious concerns about mental health and racial justice supersede very real concerns for their family’s safety. When these Americans see blood erupt from the side of Charlie Kirk’s neck, they don’t see just a martyred political activist. They think of every extreme leftist they’ve ever met who (1) calls anyone to the right of Hillary Clinton a fascist and (2) constantly jokes—“jokes”—about punching Nazis and “bashing the fash.” They realize that there really do exist people who wish to see them dead for their moderately conservative political beliefs, their Christian faith, and even the color of their skin. They ask themselves if the violence visited upon Charlie might one day show up on their own doorstep. And they blame you. Because, even if you’re just a center-of-the-road liberal, you lacked the courage to police your own ranks. You let modern-day Maoist red guards run loose across every facet of society, and what started with social-media struggle sessions has now turned to 30-06 bullet holes. When these Americans log onto social media and see their neighbors justifying, celebrating, glorifying murder, they realize that some who walk among them are soulless ghouls at best, literally demon-possessed at worst. These people—whether they faithfully attend church every Sunday or only attend with relatives once a year, on Christmas Eve—start talking about things like spiritual warfare. They implicitly understand that no normal human casually celebrates the mortal demise of a peaceful person. And they blame you. Because, even if you condemned Charlie Kirk’s murder, they probably haven’t seen you condemn those in your own movement who cheered it on. They view you as complicit in allowing heartless fellow travelers to celebrate death, and it repulses them. For all of these situations, what has your response been? Nothing but bullshit. In response to Iryna Zarutska bleeding out on the floor of a train, you post bullshit statistics about reductions in reported crime, when everyone who’s ever been to a major urban center in the last decade knows that actual crime has skyrocketed, only for victims not to waste their time reporting it to cops that don’t have the manpower to respond and prosecutors that seek to downgrade as many felonies as possible to misdemeanor citations. In response to a 31-year-old man taking a bullet to the neck in front of his family, you post nothing but bullshit whataboutism. > “What about January 6th?” (Honest answer: After you let Liz Cheney spend two years operating a star chamber in the House, combined with countless other failed attempts at “lawfare” against Trump, no one cares anymore.) > “What about Mike Lee making a dumb joke on Twitter about some guy in a mask in Minnesota?” (No one outside of Utah, DC, or Twitter knows who Mike Lee even is.) > “What about Paul Pelosi?” (That’s not comparable to Charlie Kirk getting shot, and we all know it. And, again, Paul who?) > “What about regulations on assault rifles?” (That’s not going to get you very far when one of these killers used a knife and the other one used a common hunting rifle.) In response to teachers, healthcare workers, and thousands of other liberals cheering on Charlie’s murder, it’s nothing but more bullshit and misdirection. > “It’s not THAT many people celebrating!” (Yes, it is. Everyone has seen it on their Facebook and Instagram feeds.) > “I thought you guys didn’t support cancel culture.” (We don’t cancel people over their opinions; we’re more than happy to see people lose their jobs—especially their taxpayer-funded jobs—for actively cheering on murder, though. If you can’t see the difference, that’s your own shortcoming.) All bullshit. Not even smart bullshit, but stale, mid-grade, low-IQ bullshit. Ordinary Americans see right through it, and they don’t like how it smells. You probably don’t like hearing this. But you need to hear it. Because I’m right, and, as you reflect on this, you know I’m right. The ranks of my political movement gained millions of righteously angry new members this week. We have a mandate to ensure these crimes never happen again, and that’s exactly what we are now going to do. If you want to keep a seat at the table as we do so, you’d better clean house and start policing your own.

@dahlonega122037 If the crystals are activated by light how are the crystals activated by light when traveling in deep space? Light is contributed from a first dimension and heat exchanged in to the second dimension?

@dahlonega122037 How are the crystals stored to be safe and what actuates the heat? Are the crystals stored in the dark to prevent being exposed to light?

@dahlonega122037 BB speed

@AncientofSouls I first thought that these might be the homeless and marginalized of society and a funeral home getting out of storing them

@GreggYoung evidently coolers with body parts were also found Not sure about the truth of the matter; just keep eyes open for more info

oh my Lord....

They came to conquer Europe. 150,000 Ottoman soldiers stood at the gates of Vienna, ready to break through... Then, on September 12, 1683, 20,000 horsemen appeared on the horizon—the largest cavalry charge in history. What happened next changed the course of history forever:

Things I am grateful for at the start of 2025. 1. Not waking up in jail.

2. Not waking up with a hang over and room spins. 3. Drinking a glass of tap water in my pajamas in the morning and then hearing the tv news taking about the posted boil water alert starting from yesterday.

4. Not waking up the next day still in a military biological containment suit (Mopp 4 for you insiders) and wondering why they have not called all clear then looking out the window to find dead cattle and birds.

5. Not waking up in a foreign country’s intelligence agency interrogation room as they are telling me they know that I am CIA and they want to know about my operations. 6. Not waking up under rubble from an earthquake / tornado / artillery

7. Waking up in a declared disaster area cut off from civilization and wondering why a government rescue agency is not working their way to me to help me feed my children or to provide shelter and if they do show up it is to force me to a place I do not want to go to.

8. Waking up to find my opposing religion has kicked in all of the neighborhood doors and dragged out all of us male occupants and we are waiting for the pew pews to start.