“Price is what you pay. Value is what you get.” — Warren Buffett
10 stocks I think offer exceptional value right now: 👇
1. $ORCL | Oracle
• 16x Fwd P/E | 10x EV/EBITDA
"just pay the collection and it'll come off"
you just handed a collector $4,200 for a debt they bought for $84 and your score dropped 15 points
the worst financial advice in america is "pay your debts and your credit will improve." it sounds logical. it's dead wrong
paying a collection without a deletion agreement changes the status from "unpaid collection" to "paid collection." Both are derogatory marks. Both destroy your score. One word changed. Zero points gained. Actually lost 15 because paying UPDATED the "date of last activity" and FICO punishes recent activity harder than old activity
Your score BEFORE paying the 4-year-old collection: 598 (impact fading every month)
Your score AFTER paying without deletion: 583 (reactivated with today's date)
You paid $4,200 to lose 15 points
The correct play:
NEVER pay without a written deletion agreement signed before your money leaves your account
Call the collector: "I'll settle this today. My condition is that you submit a Universal Data Form deletion request to all three bureaus within 30 days. I need the agreement in writing on company letterhead before I send any payment"
If they agree (60% do on the first call): get the letter. Verify it says "delete" not "update to paid." Send payment via money order. Never give them bank account access. They can auto-draft without permission. It happens constantly
If they refuse to delete: don't pay. An unpaid collection is doing the exact same damage as a paid collection. The ONLY thing that helps your score is DELETION
The settlement math collectors don't want you to know:
They bought your $4,200 debt for $84-$168 (2-4 cents on the dollar)
You offer $420 (10 cents). They counter at $2,000. You counter at $630. They settle at $840 with deletion. They made a 400-900% return on their investment. They're thrilled. You saved $3,360 and gained 40-80 points
A client had 6 collections totaling $28,000. Was about to write checks for the full amount because his mom said "just pay them all"
We negotiated all 6 with pay-for-delete:
$8,200 collection: settled for $820 with deletion
$6,400 collection: settled for $640 with deletion
$5,100 collection: couldn't validate, deleted for $0
$4,300 collection: settled for $430 with deletion
$2,400 collection: settled for $360 with deletion
$1,600 collection: couldn't validate, deleted for $0
Total owed: $28,000
Total paid: $2,250 (8 cents on the dollar average)
Items deleted for free: 2
Score: 512 to 697
If he'd paid all 6 at full price without deletion: score would have gone from 512 to roughly 530 and he'd be out $28,000 instead of $2,250
$25,750 saved and 185 points gained because he called me before he called his checkbook. sorry to his mom but her advice was going to cost him a honda civic lol
(i fix credit in 30-90 days. link in bio)
This dude makes over $10,000 per month working 4 to 5 hours a week.
His brother-in-law did $700 in his first week.
Another guy he knows in this space averages $25,000 to $30,000 a month in net profit.
Another one did $40,000 last month with 1,100 videos.
There's no overhead. You're not buying inventory. You don't have fees. You WILL make money (he says).
What is it?
Amazon influencer videos.
You film product reviews with your phone and upload them to Amazon. If somebody watches that video and buys the product, you get a commission.
Why am I just hearing about this?!
Trevin has been doing this for 3 years. One umbrella stand video he made 2.5 years ago still makes him $500 to $3,500 a month. It took 60 seconds to film.
In this episode Trevin:
- Breaks down how to get approved and what makes Amazon flag your first 3 videos
- Shows me the exact products that pay 10% to 50% commissions instead of Amazon's standard 0.5% to 3%
- Tells me why brands are now sending free products to his house by the truckload
- Gives me the hook stacking framework that keeps viewers watching longer
- Walks through how his family of 10+ people all quit their jobs to do this
Check this one out! And if you start doing this, let me know!
watched a 18-year-old kid casually explain how he makes $10k/month using AI while sleeping and i’m convinced 99% of people are missing this
the entire setup:
pick a YouTube channel that posts often. drop the link into one tool. plug in your TikTok, Instagram, YouTube Shorts. close the laptop.
from that point on, AI does everything catches every new upload, slices the viral moments, captions them, blasts them across every platform.
> 1M views ≈ $2,000
>zero editing, zero posting, zero stress
> 10 min to set up, runs on autopilot forever
you’re not making content. you’re owning a content factory.
the full step-by-step is in the article below exact tools, exact stack, exact playbook
save it
Mamdani acts like raising taxes on the wealthy and pouring money into social programs is some brand-new idea for NYC.
It’s not. The city already ran that experiment in the 1970s. Look up the fiscal crisis and see how it ended.
🔺1970s version:
1️⃣ Progressive mayors massively expanded welfare, social services, free CUNY, public jobs & hospitals.
2️⃣ Spending tripled; taxes on income/property/business kept rising to pay for it.
3️⃣ Welfare rolls exploded past 1 million.
4️⃣ Middle class & businesses fled. Hundreds of thousands of jobs vanished. Population dropped ~10%. Crime surged.
5️⃣ City borrowed to cover the gaps until 1975, when the bond market shut them out. Near-bankruptcy. Layoffs, service cuts, fare hikes, end of free tuition. State takeover.
🔺Mamdani 2026:
1️⃣ Expanding social spending (housing vouchers, childcare, Fair Fares subsidies, affordable housing capital, CUNY support).
2️⃣ Raising taxes aimed at the wealthy (pied-à-terre tax on luxury second homes, pushes for higher rates on $1M+ earners & corporations).
3️⃣ Rent freeze on stabilized apartments + more public/affordable housing push.
4️⃣ “Tax the rich” to fund affordability programs while leaning on state aid and one-shots to balance a huge budget.
Same playbook of ambitious redistribution through higher progressive taxes and bigger social programs.
I'll be buying a LOT of Bitcoin in Q3/Q4, aiming for a 4-5X return in 1-2 years.
Goal is to turn every $100K to $500K...
Last 2 times our indicator flipped bullish:
2020 - ran from $9K to $69K
2023 - ran from $23K to $125K
2026 - goes to $200K or $300K IMO
I'm watching $COIN $ETH $IBIT $MSTR.
Will update the moment it happens. 🫡🔷
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These 6 prompts help you optimize every section like it was polished by a top career coach charging $300/hour.
Bookmark this before your next job application. 🧵👇
If you are not willing to kill or die for your own most treasured values, you should think carefully before welcoming in migrants who would do both for theirs.