Cheddar 🧀

@hxxntrr Why not just use two PayPal accounts and send the money to yourself? 3% fee and instant

You can walk into any Apple Store in America, buy $50,000 in MacBooks and iPhones on 0% business credit cards, and resell every single item for 85 to 95% of retail on eBay, Swappa, and Facebook Marketplace the same day. Cash in your bank account by Friday This is how people convert 0% credit limits into liquid cash without Plastiq, without Melio, and without paying a 2.85% processing fee The Apple Store accepts credit cards for purchases up to $50,000. No questions. No ID beyond what's needed for Apple Pay. You walk in, buy 8 MacBook Pros at $2,499 each, and walk out with $19,992 on your Chase Ink Business Unlimited at 0% APR List them on eBay as "Brand New Sealed" at $2,199 each. They sell in 24 to 48 hours because sealed Apple products have the highest resale velocity of any consumer electronics on earth. People buy them because they're getting a $300 discount on a product that never goes on sale $2,199 x 8 = $17,592 in eBay revenue eBay + PayPal fees (13%): -$2,287 Your net cash received: $15,305 You spent $19,992 on a credit card. You got $15,305 in cash. You "lost" $4,687 "That's a terrible deal" No. You converted $19,992 in credit into $15,305 in LIQUID CASH at a cost of $4,687. That's a 23.5% conversion fee Plastiq charges 2.85% but has a $100K annual limit and many payees are restricted. Melio charges 2.85% but some payments take 5 to 7 days and large amounts trigger manual review The Apple resale method has: No annual limit (buy as much as they'll sell you) No payment restrictions (it's a retail purchase) No manual review (it's a credit card transaction at a store) Cash in your bank within 3 to 5 days (eBay payouts are fast) And you can improve the conversion rate dramatically: iPhones resell at 92 to 96% of retail (better than MacBooks). A $1,199 iPhone 16 Pro Max sells for $1,050 to $1,100 on Swappa within 48 hours. That's only a 5 to 8% loss after fees iPads resell at 88 to 93% of retail AirPods Max resell at 85 to 90% Apple Watches resell at 82 to 88% The optimal mix for maximum cash extraction: $30,000 in iPhone 16 Pro Max units (25 phones at $1,199): resell at $1,080 avg = $27,000 - 13% fees = $23,490 net. Loss: $6,510 (21.7%) $20,000 in iPad Pro units (10 iPads at $1,999): resell at $1,799 avg = $17,990 - 13% fees = $15,651 net. Loss: $4,349 (21.7%) Total credit card spend: $50,000 Total cash received: $39,141 Conversion rate: 78.3% Effective "fee": 21.7% "21.7% is way worse than Plastiq's 2.85%" Yes. If Plastiq works for your use case, use Plastiq. The Apple method is for when you need: More than $100K liquidated (Plastiq has limits) Cash in 3 days not 7 No paper trail linking credit cards to bank deposits through a payment processor (the cash appears as eBay/PayPal revenue, not as a Plastiq transfer) Amounts above $25K per transaction (Melio flags large single payments) The people doing this at scale aren't converting $50K. They're converting $200K to $500K across multiple Apple Stores, Best Buys, Costcos, and authorized resellers. At that volume they have eBay stores with Top Rated Seller status, which reduces fees to 10.5% and pushes the conversion rate to 82 to 85% There's also the Amazon Retail Arbitrage version: buy Apple products at retail, sell on Amazon as a third-party seller, Amazon pays out every 2 weeks. The conversion rate is similar but Amazon's customer base is willing to pay closer to retail for the Prime badge and the Amazon return policy A guy in our network converts $80K to $100K per month from credit cards to cash using this exact method across Apple, Costco, and Best Buy. His blended conversion rate after eBay fees and marketplace fees: 81%. He converts $100K in credit into $81K in cash every month $81K in cash from $100K in 0% credit. His "cost" of $19K per cycle is his equivalent of a processing fee. He treats it as a cost of capital. $19K to access $81K in free cash for 15 months = effective annualized cost of 18.6% "18.6% is expensive" Compared to what? An MCA (merchant cash advance) charges 40 to 150% effective APR A hard money loan charges 12 to 18% + 2 to 3 points A personal loan at 680 score charges 15 to 24% APR A credit card balance at standard APR: 24.99% 18.6% annualized for UNSECURED CASH with NO APPLICATION PROCESS, NO UNDERWRITING, and NO REPAYMENT SCHEDULE beyond minimums at 0% for 15 months is cheaper than almost every alternative source of liquid capital for someone without assets to collateralize And the credit card rewards on $100K in Apple Store purchases: roughly $2,000 to $3,000 in points. That drops the effective cost to 15.6 to 16.6% btw the IRS doesn't track retail purchases on credit cards. The purchase shows up as "APPLE STORE #R123" on your credit card statement. The eBay revenue shows up as income from your eBay seller account. If your LLC is the eBay seller, the purchase is a "business inventory expense" and the revenue is "product sales." The accounting is clean this is the emergency version of the liquidation play. when you need cash in 72 hours, can't wait for Plastiq, and need more than $25K. you walk into Apple, buy everything they'll sell you, walk out, list it on eBay, and have cash in your bank by Friday. the most liquid asset in America isn't gold or bitcoin. it's a sealed iPhone lmfaooo (we get 700+ score business owners $100K-$250K in 0% business funding. how you liquidate is your business. we build the capital stack. link in bio)

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@GregDuncan_ @edgeful @andrearslanian Oohh when is the algo optimizer suppose to come out?

messing around with an ORB algo strategy on ES using @edgeful - performance over last 6 months before any real optimization (image 1) uploaded the trade CSV to the algo optimizer @andrearslanian is working on for edgeful members... literally took 30 seconds (image 2)🔥

@jc_chronister @KobeissiLetter “biggest bull market in history” lol go sell another course

@jc_chronister @KobeissiLetter 2022 downtrend was their best performing year. 73% win rate with a 4.3 profit factor. Yours?

ANNOUNCEMENT: We are excited to present The Kobeissi Letter’s 2025 performance report. Our analysis provided a net return of +30.7% in 2025, outperforming the S&P 500's 2025 return of +16.4%. Since 2020, our investment strategy has now returned +516.3%, significantly outperforming the S&P 500’s +111.9% return over the same period. Our 2025 return builds on +8.1% in 2024, +15.5% in 2023, +92.8% in 2022, +35.3% in 2021, and +44.8% in 2020. Since 2020, our analysis has delivered a Compound Annual Growth Rate (CAGR) of +35.4%, outperforming the S&P 500’s +13.3% CAGR. Read the full annual report here: thekobeissiletter.com/performance

@TonyTheBullCMT 💯

My 2026 preview is out now and it’s free for everyone: coinchartist.substack.com/p/2026-preview It features: Bitcoin’s yearly chart — what the Doji means All about the quarterly Evening Star and a 72% chance of reversal Altcoins — why you should avoid Business cycle behavior and secular shifts from stocks to commodities

@spacemnke Why not on gap downs?

Since I developed this framework, my win rate has skyrocketed trading $SPX 0DTE on gap-up days. It’s as simple as drawing a box and knowing what to look for. 📼 Video (09:29) Gap-ups are always tricky. In this video, I break down the rules that helps you capture the best part of the SPX intraday move by focusing on a few key signals. → Draw a rectangle from the low to the high of the first 10 min candle. → If price moves above, you have a potential trend up. → If price moves below, you often get a gap fill or more. → If price stays inside the box, expect chop until one side gives. If you find value in this, a ❤️ would mean a lot, no pressure. sorry about the video quality sm

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@SpencerHakimian Colonel Mustard

Be honest. Do you know who this is without Googling it?

@jasonsm98381653 @ShardiB2 Looks like they’re mostly short term trades with options expiring a few weeks out. You could also just buy spot at the time of the call.

@ShardiB2 I’m already a sub but have some Q’s. Im new to this, don’t do options, and don’t really intend to. But I still really want to follow along with you!! Any advice for me? Knowing when a trade is short term vs longer swing? Finding exit targets? LONG TERM HOLDS?!? TY 🙏🏻🫡

Don't forget to Subscribe using my Subscribe button in my profile I have a feeling this is going to be a very good week and I don't think you are going to want to miss it! Only $7 a month!! You cannot subscribe on IOS (app store charges X too much) so if you have an iPhone you have to go to Safari and then go to X and log in there and the Subscribe button will appear. Thank you for you attention to this matter lol.

@ShardiB2 15m trying to reverse

$LUNR Here is our EMA test

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@DaveVaccaro5 @TKLSubscribers What’s your win rate?

@TKLSubscribers Let's be honest - your SPY plays have been awful

@GageMSR @TKLSubscribers It’s a game of probability and risk management. You can’t let emotions interfere with execution.

@cheddarscheese @TKLSubscribers Doesn’t mean I’m not going to unsubscribe but I will be more skeptical.

@GageMSR @TKLSubscribers The one before this was a win. 68% win rate on the year.

@TKLSubscribers Three in a row guys. I’ve lost a lot of money and you’ve damaged my trust in you.

@TriggerTrades A wave 3 as an abc?

$SPX is ready to BURST HIGHER for the 5th wave as the bullish 4th wave triangle looks nearly complete. If so, 5843 should not be crossed to then begin the 5th wave rally targeting 6147-6200, which can be reached in 5-10 days. $SPX is basing above the 200DMA + multiple Daily FVGs, and inverted every HTF FVG, so this is HIGH PROBABILITY. A cross below 5843 is a bearish warning, but a Daily close below 5829 would send a short signal targeting the 5767 swing low. $SPY $ES_F $NQ_F $NDX $QQQ

@richardcpetty @TKLSubscribers 74% win rate so far this year. Cant complain!

@TKLSubscribers I trust you even if we don't win them all.