booboo da foo$

man of steal 🚀🌕🍷

[Rony @Ronycoder]

Instead of watching an hour of Netflix, watch this 1 hour Yale lecture. It will teach you more about options trading and the exact models hedge funds use than most people learn in their entire careers on Wall Street.

[booboo da foo$ @Alarmed_Win]

@RazerStore thank you for the great experience and hospitality!

[Mathsrick @mathsrick_]

Never taught you in school 🤷‍♀️

[Learn Something New @HorifyingPeople]

Square numbers in 1 second🔢

[hunter @hxxntrr]

Your credit score is 480 and you think you're fucked

I fixed 312 people's credit this year
Average increase: 180 points in 90 days
Fastest: 520 to 740 in 67 days

Here's the EXACT system to delete your past and build your future:

First, understand what credit bureaus don't want you to know:

They're REQUIRED to delete anything they can't verify in 30 days
They're TERRIBLE at keeping records
They're HOPING you don't know your rights

You're about to destroy them legally

Step 1: The Nuclear Audit (Day 1-3)

Go to annualcreditreport .com
Pull all 3 reports (free)
Screenshot EVERYTHING

Now find the bodies:
- Every late payment
- Every collection
- Every charge-off
- Every inquiry

This is your hit list

Step 2: The Validation Massacre (Day 4-7)

For EVERY negative item, send this letter:

"I dispute this account. Please validate:
- Original signed contract
- Payment history ledger
- Proof of assignment (if collection)
- License to collect in my state"

Send via certified mail to:
- Experian
- Equifax
- TransUnion
- The creditor

70% can't validate = DELETED

Step 3: The Goodwill Genocide (Day 8-14)

For legit late payments, send this:

"I've been a customer for X years.
Due to [COVID/medical/job loss],
I had temporary hardship.
Please remove as goodwill gesture."

Success rate: 40-60%
Try 3 times with different reps

Step 4: The Pay-for-Delete Play (Day 15-30)

For collections under $1,000:

"I'll pay 100% today if you:
1. Delete from all bureaus
2. Send deletion letter
3. Confirm in writing"

Get it in writing FIRST
Pay only after agreement
60% will take this deal

Step 5: The Authorized User Hack (Day 31-45)

Find someone with:
- 750+ credit score
- Old accounts (10+ years)
- Low utilization (<10%)

Get added as authorized user
Their perfect history becomes yours
Score jumps 50-100 points instantly

Where to find them:
- Family members
- Tradeline companies ($150-500)
- Friends with good credit

Step 6: The Rapid Rebuild (Day 46-60)

Get these NOW:
- Secured card ($200 deposit)
- Credit builder loan ($500)
- Become authorized user (2-3 accounts)
- Self Lender account

All report monthly
All build positive history
Score climbs 10-20 points/month

Step 7: The Utilization Manipulation (Day 61-75)

Here's the hack:

Pay your cards BEFORE statement closes
Show 1% utilization (not 0%)
Score jumps 30-50 points

Example:
$1,000 limit card
Spend $500
Pay $490 before statement
Statement shows $10 balance
Perfect utilization

Step 8: The Inquiry Removal (Day 76-90)

Hard inquiries killing you?

Send this to each bureau:
"I don't recognize this inquiry.
I never authorized this.
Please remove immediately."

30% get removed
Worth 5-10 points each

The Deleted Items List:

Using this system, I've deleted:
- Medical collections (95% success)
- Cell phone collections (80% success)
- Utility collections (75% success)
- Credit card charge-offs (60% success)
- Student loan defaults (40% success)
- Repo's (35% success)
- Bankruptcies over 7 years (100% success)

Your creditors are praying you stay ignorant

The 609 Letter Loophole:

Section 609 of FCRA requires proof
They usually don't have it

Send this:
"Per Section 609, provide:
- Original signed application
- Statements showing charges
- Proof debt is mine
- Your license to report"

No proof = DELETION

Real Transformations:

Single mom: 478 → 721 in 84 days
Got apartment, car loan, business credit

Uber driver: 502 → 748 in 91 days
Bought house, started Amazon business

Felon: 461 → 695 in 78 days
Got job, credit cards, rebuilt life

They followed this exact system
You can too

The Credit Score Hack Menu:

Each is worth points:
- Remove 1 collection: +40-80 points
- Remove late payments: +20-30 each
- Add aged tradeline: +50-100 points
- Fix utilization: +30-50 points
- Remove inquiries: +5-10 each

Stack them all = 200+ point increase

The Maintenance Mode:

After you hit 700+:
- Keep utilization at 1-9%
- Never miss payments (autopay)
- Add new credit quarterly
- Keep old cards open
- Mix credit types

750+ score for life

The Business Credit Unlock:

Once you hit 680 personal:
- Get EIN (free, 5 minutes)
- Open business checking
- Get business cards
- Build second credit profile

Now you have TWO credit profiles
Double the funding power

Your Timeline:

Week 1: Dispute everything
Week 2: Goodwill letters
Week 3: Pay-for-delete negotiations
Week 4: Add tradelines
Week 5-8: Secured cards + rebuilding
Week 9-12: Watch score skyrocket

12 weeks to freedom

Bad credit isn't a life sentence
It's a 90-day problem with a systematic solution

Your past doesn't determine your future
Your next 90 days do

Time to delete your past ✨

(if you need credit repair, links in my bio, or keep ur 500 score, up to you)

[Howie Hua @howie_hua]

More examples subtracting left to right (including when the answer is negative)

[Life Truth Way @Life_truthway]

How to Read the Bible.

[Howie Hua @howie_hua]

Did you know you can subtract left to right?

[Howie Hua @howie_hua]

Let's learn how to divide using rectangles

[Howie Hua @howie_hua]

A cool way to multiply by 5

[Howie Hua @howie_hua]

Let's learn how to do this "new" way of dividing

[Mathsrick @mathsrick_]

Teacher was hiding this from you🤯

[Juanita Broaddrick @atensnut]

Amazing science experiments to do with your kids this weekend.

[L2WTrades @L2WTrades]

There's a 90-minute window every single trading day where the market basically tells you exactly what it's going to do…

Miss it and you're guessing for the next 5 hours

Catch it and you can close your laptop before lunch

95% of retail traders have never heard of this. The 5% who know it guard it like a trade secret.

Here's what gurus doesn't teach you:

The 9:30-11:00 AM window isn't just "market open"

It's when institutions reveal their hand

Big money can't hide. When Goldman or Citadel or any major fund needs to move size, they HAVE to do it when liquidity is highest. That's the first 90 minutes.

If they're buying, price expands up from the open
If they're selling, price expands down from the open
If they're not doing shit, price chops sideways

That expansion (or lack of expansion) tells you EVERYTHING about what's going to happen the rest of the day

The 9:30 AM Rule:

Look at the opening 30-minute candle (9:30-10:00)

Did price expand aggressively in one direction?
Did it take out the overnight high or low?
Did it leave a fair value gap behind?

Yes to all three = the direction is set. Trade with it.

No expansion? Price just chopping around the open? Close your laptop. The day is garbage. Institutions aren't playing.

This single filter eliminates 60%+ of losing trades before they happen

Most traders lose money between 11am-3pm trying to "find setups" in a market that's already made its move

The profitable traders caught the 9:30 expansion, rode it for 30-60 minutes, hit their target, and went to the gym

The 90-minute trading day:

9:15 - Open charts, mark overnight high/low
9:30 - Watch for expansion off the open
9:45 - If expansion + sweep + gap = enter trade
10:30 - Hit target or get stopped
11:00 - Done for the day regardless

That's it. That's the whole "job."

A guy I know has been doing this for 6 years. $300k+ prop account. Works 90 minutes per day maximum.

His words: "I used to trade 8 hours. Made nothing. Now I trade 90 minutes. Make $15k/month. The extra 6 hours were literally costing me money."

The market shows you its hand every single morning

Most traders are too busy staring at 15 indicators to see it

The 9:30 window is free information. Institutions can't hide their size.

You just have to learn to read it.

Or keep trading from 9:30am to 4pm wondering why you're not profitable

Your choice…

(I teach trading methods that made over $3m total. Anyone can get a free 7 day trial to my trading GC with the link in my bio)

[Prem Soni @ValueWithPrem]

15 things to do with your father while he is still alive. I lost mine 8 years ago.

1. Ask him what he was like at your age because once he was the same age you are right now & Watch his face light up as he tells you stories from when he was younger

2. Record his laugh when he tells one of his signature jokes. Someday you will replay the video over and over just to hear it again

3. Ask him about the proudest moment of his life. (Odds are he will say when you were born)

4. Ask him his favourite songs
Listen to them together, laugh, sing and be happy. These will become your most cherished memories in years to come

5. Take a picture of him doing something he loves. Watching tv, gardening, playing the guitar, anything. When you look back these will be the pictures that will make you smile the most

6. Tell him you love him even if it's something you don't normally do.

7. Tell him you are proud to be his son/daughter This will mean more to him than you realise (even if he doesn't show it)

8. Listen to music from his youth and watch him turn from dad into a young man again

9. Take a short video of him talking about something random sacred Someday even the ordinary things he said become

10. Bring up something you are thankful for from years ago

11. Ask him what it was like for him growing up

12. Call him for no reason
Don't take being able to do this for granted.
Someday you would give anything to hear his voice again.

13. Take a picture of just the 2 of you together

14. Ask him to show you an old photo of him because seeing him young will remind you that he wasn't always Dad

15. Tell him something you are struggling with, no matter what age you are Because even when your grown it means the world to him to feel like he can still help

Let him give you advice, even if you don't need it because one day you will give anything to hear his voice guiding you again

[hunter @hxxntrr]

There's a "debt removal hack" going viral right now that's going to get thousands of people SUED

Some girl said to use ChatGPT to write a cease and desist letter, send it to collectors, report to CFPB, and watch the debt magically disappear

2 million views. Completely wrong. Potentially illegal if you do it wrong

Here's what that law actually does (and what actually removes debt):

The statute she cited - 15 U.S.C. § 1692c(c) - lets you demand a collector stop CONTACTING you

That's it

They stop calling. They stop texting. They stop sending letters

What it does NOT do:
- Erase the debt
- Force deletion from your credit report
- Make the debt "invalid"
- Stop them from reporting to bureaus

They can still:
- Report the debt to Equifax, Experian, TransUnion
- Sue you (after one final notice)
- Sell the debt to another collector who starts fresh

So you sent a scary letter, they went quiet, you thought you won... then you get served with a lawsuit 6 months later

Congrats, you played yourself

Here's what actually removes debt from your credit:

METHOD 1: Debt Validation (15 U.S.C. § 1692g)

This is the real law. If you dispute within 30 days of first contact, they MUST prove the debt exists with documentation

No proof = they must stop collecting AND typically stop reporting

Most collectors buy debt in bulk with garbage documentation. They can't validate because they don't have the paperwork

METHOD 2: FCRA Bureau Disputes

Dispute directly with credit bureaus. If the collector can't verify within 30 days, the bureau must delete

Combine this with Secondary Bureau Suppression - freeze LexisNexis, SageStream, Innovis, ARS, ChexSystems before disputing. These "shadow bureaus" are what Experian calls to verify your debt. Frozen sources = "unable to verify" = deletion

METHOD 3: The 605(b) Method (Blackhat)

Section 605(b) of the FCRA forces bureaus to delete ANY account within 4 days if you file an Identity Theft Report

People file FTC affidavits claiming accounts "aren't theirs"... even when they are

You're swearing under penalty of perjury. It's fraud. It's a false police report. People have gone to jail for this

But people do it constantly and most never get caught because bureaus don't investigate

I'm not telling you to do this. I'm telling you it exists and thousands of people use it every month. Make your own decisions. I'm not your dad

METHOD 4: Pay-for-Delete Negotiation

Collectors bought your $10K debt for $300. Offer them $1,500 to delete entirely. They profit $1,200 and you get a clean report

Get it in writing before paying. Never pay without deletion agreement

METHOD 5: FDCPA Violation Leverage

If they broke the law - called before 8am, threatened arrest, contacted your employer - you have leverage

"Delete this debt or I'll sue you for $5,000 in FDCPA violations"

They'll often delete to make you go away

METHOD 6: Statute of Limitations

Debt past your state's SOL (3-6 years typically) can't be legally collected through courts

Doesn't auto-delete, but changes negotiation power completely

The girl with 2M views gave you a water gun and told you it was a rocket launcher

A cease and desist without the right follow-up strategy just pisses off collectors and does nothing to your credit report

Stop getting legal advice from TikTok

(I help you actually repair credit in 30-90 days, DM me if you're tired of watching bad advice go viral)

[0️⃣BlackBetty ⚓️ @BabyD1111229]

So, your doctor ordered a test or treatment and your insurance company denied it. That is a typical cost saving method.

OK, here is what you do:

1. Call the insurance company and tell them you want to speak with the "HIPAA Compliance/Privacy Officer"
(By federal law, they have to have one)

2. Then ask them for the NAMES as well as
CREDENTIALS of every person accessing your record to make that decision of denial.

By law you have a right to that information.

3. They will almost always reverse the decision very shortly rather than admit that the committee is made of low paid HS graduates, looking at "criteria words." making the medical decision to deny your care.
Even in the rare case it is made by medical personnel, it is unlikely that it is made by a board certified doctor in that specialty and they DO NOT WANT YOU TO KNOW THIS!!

4. Any refusal should be reported to the US Office of Civil
Rights (https://t.co/QJjJAm5BxT) as a HIPAA violation.

Be safe out there 🫵🏻✨
Know your rights 👊🏼

#ThrowbackThursday

[hunter @hxxntrr]

Hotels have a policy that gives you free rooms and they pray you never find out about it

It's called "Best Rate Guarantee" and it's buried in their terms on purpose

If you find a lower price elsewhere within 24 hours of booking direct, they don't just match it. They give you the room FREE or 25% off on top

Here's how to exploit it:

Marriott: Matches price + gives you 25% off the lower rate
Hilton: Matches price + gives you $50 credit
IHG: Matches price + gives first night free
Hyatt: Matches price + 20% off

The play:

1. Book direct with the hotel (never third party first)
2. Immediately search every OTA: booking. com, expedia, hotels. com, agoda, trip. com
3. Check FOREIGN versions of these sites (European prices often differ)
4. Screenshot the lower price with date/time visible
5. Submit best rate guarantee claim within 24 hours
6. Collect your free shit

The catch: You MUST book direct first, then find cheaper elsewhere. Most people book the cheapest option immediately and lose the guarantee

Hotels have these policies because they want direct bookings. They're betting you won't actually check other sites after booking

Bet wrong mf

A 4-night stay at $340/night with a $295 rate found elsewhere = entire stay free under some policies

Takes 20 minutes of searching. Potential savings: hundreds to thousands per trip

If you're not exploiting price guarantees, you're overpaying for every hotel stay

(I help you repair credit so you qualify for hotel cards with elite status, then get up to $250k in 0% funding. DM me if you like free hotel rooms)

[hunter @hxxntrr]

Credit repair companies charge $2,000 to send letters that work 2% of the time

Meanwhile you can delete $30,000 in collections yourself for $0 using a method they'll never tell you about

It's called bureau flooding and it exploits a legal deadline creditors can't meet

Here's how it works:

Under the FCRA, credit bureaus have 30 days to verify any item you dispute. If the original creditor doesn't respond in time, the bureau MUST delete it - even if the debt is legitimate

Most creditors are slow, understaffed, and dealing with thousands of disputes. Flood them with verification requests at the right time and they physically cannot keep up

The timing hack:

Dispute in the last week of the month - creditors are closing books, staff is overwhelmed

Dispute in December - skeleton crews, holiday vacations, everything moves slower

Dispute after major data breaches - bureaus get flooded, creditors can't handle volume

The method:

1. Pull all 3 credit reports (annualcreditreport. com - free)
2. Identify every negative item: collections, charge-offs, late payments
3. Send disputes to ALL 3 bureaus simultaneously
4. Dispute reason: "Not mine" or "Inaccurate information" (vague = forces full verification)
5. Send via certified mail with return receipt (creates legal paper trail)
6. Wait 30 days
7. If not deleted, re-dispute with different reason
8. Repeat until removed

What gets deleted most often:
- Collections (agencies are lazy about responding)
- Old charge-offs (original creditor lost records)
- Medical debt (HIPAA complications)
- Small balances under $500 (not worth their time)

Success rate when timed right: 70-80%

The bureaus are betting you'll give up after one try. Don't

(I help you repair credit in 30-90 days using these methods dm me repair $)