Lasermonk

If you want the BEST advice Ask your mirror. Seriously, try it. It knows what’s best for you.

@hxxntrr Are these symptoms of Hanta Virus?

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)

You think you're unhappy because life is hard. Wrong. You're unhappy because you're still operating at infant-level selfishness with adult-level expectations. Happiness isn't found in gratitude journals or positive thinking. It's found in the INVERSE relationship between your talent stack and your need to be selfish. When you're born, you're 100% selfish, 0% capable. Perfect equilibrium. Society expects nothing from you. They age chronologically but not competency-wise. They hit 30, 40, 50...still operating from scarcity, still locked in survival mode, still taking more than they give. The stress you feel? That's the cognitive dissonance between where you ARE (high selfishness, low talent) and where you SHOULD BE on the developmental curve. Your path to meaning is mathematical: Accumulate talents → Eliminate personal scarcity → Reduce selfish need → Turn outward → Experience meaning Every moment you stay below the curve...high selfishness, low capability....you're in psychological debt. The interest compounds as stress, anxiety, emptiness. The solution isn't to "be less selfish." That's premature morality. The solution is to BUILD POWER through talent acquisition until selfishness becomes *optional*, not necessary. Only then does happiness become accessible. Only then does meaning emerge. You can't transcend selfishness through willpower. You transcend it through competence.

@SahilBloom @ritwik_priya One thing social media taught me is that ..hatred is an addictive emotion that people pursue unconsciously.

@ritwik_priya ok, so why do you follow me then, ritwik?

The first Bloom post that hasn't made me want to slap him. Well done young lad.

THIS IS WHAT A ONE-PERSON STARTUP LOOKS LIKE IN 2026. one .claude folder with 35 AI agents organized into 7 departments: engineering: > frontend developer, backend architect, mobile app builder, AI engineer, devops automator, rapid prototyper product: > trend researcher, feedback synthesizer, sprint prioritizer marketing: > tiktok strategist, instagram curator, twitter engager, reddit community builder, app store optimizer, content creator, growth hacker design: > UI designer, UX researcher, brand guardian, visual storyteller, whimsy injector project management: > experiment tracker, project shipper, studio producer operations: > support responder, analytics reporter, infrastructure maintainer, legal compliance checker, finance tracker testing: > tool evaluator, API tester, workflow optimizer, performance benchmarker, test results analyzer each agent is a markdown file with instructions, personality, and scope one person with 35 AI employees all working 24/7 THIS is the future of building companies

In the vast cosmos of connection, physical touch is easy meteor shower; mental intimacy? That’s the rare supernova of trust.

@Alexmathers84 When you tune fully into the present moment, free of all baggage, what remains is pure bliss.

It's trendy to show everyone how miserable you are. Buck the trend. Show us how happy you are. Bring some light to the mopey masses. That's how you make an impact.

@naval How do you define intelligence?

There is unlimited demand for intelligence.

@Markmanson Mark, how does self-discipline feel in the body? What physical sensations accompany it?

Self-discipline is the ultimate form of self-care.

@LayahHeilpern @doubletop_io Layah we get! You said it.. what’s next ?

@doubletop_io I've been giving advice all of 2025 no one listened best advice i gave was take profit in q3 and q4

ETH back under 2k again with Vitalik and other whales dumping millions. I warned you all, you may panic now...

@smithhmackenzie Casual neglect is like leaving tiny cracks in your own foundation and pretending they don’t matter.

If your body feels worse every year, it’s not age. It’s neglect.

@TheMinimalists Scrolling is the cigarette that never burns out.

Scrolling is the new smoking.

@AJA_Cortes That direct, unfiltered conversation with your own body and nervous system often ends up feeling surprisingly spiritual.

When you stand with the weight you are alone in the universe. There is no help coming. You must lift to save yourself GO TO THE GYM

@smithhmackenzie Growth demands friction. Comfort preserves the current state.

Most people say they want change. What they actually want is the result without the discomfort. That trade doesn’t exist.

@waronweakness Some of us need ghosts, myths, and magic because reality alone feels too small for the soul

Do you believe in ghosts?

@SahilBloom Friday FOMO fades when you realize most noise outside is just people running from the silence you’ve learned to befriend.

I’m much happier getting into bed and watching a movie at 7pm on a Friday than I ever was going out to a crowded bar.

@LayahHeilpern Looks like the downtrend could continue for another six months before hitting bottom.

2025 Layah Heilpern predicted the top and was 100% accurate!

@LayahHeilpern I meditate with radio on..kinda like resistance training for the mind.

I hate the radio so much. Don’t understand how people just sit in their cars with ads booming down their ears Or listening to unqualified people discussing useless things about this world. Silence or quality music you choose.

@Codie_Sanchez Their baseline for what’s normal changes.

Can someone please explain to me why these super rich men are all pedos? You’re a billionaire why can’t you just date and have relations with any gorgeous women 18+ you want? Power?

If I have to shrink, speed up, impress, or emotionally manage — this is not my partner.

People who find themselves in solitude usually aren’t meant for loud lives. They’re meant for precise relationships, deep work, and calm influence.