-18.3

what do you mean by that

[-18.3 @SenatorBall]

I continue on my crusade for @ChipotleTweets to add a dynamic estimate timer for delivery orders. This is malarkey

[-18.3 @SenatorBall]

@ndstudio @ComfortablySmug Who fired it off without dark mode to begin with?

[the thicc husband & father @lukeisamazing]

she’s becoming a noble gas

[Pattio @PHClapp]

How long til the meteorologists admit that they hyped this storm up for ratings???? It’s a cloudy fall day.

[-18.3 @SenatorBall]

@Mike_kim714 @Titleist 44

[-18.3 @SenatorBall]

51st state plan should go into action ASAP

[Cheapie13 @Cheapie13]

About that time

[lessence @kardiaphagy]

They jerk me every way but off

[YT: Kofie @Kofie]

World Cup travelers watching Joey Chestnut

[cold 🥑 @coldhealing]

Cutting to the chase and just posting the receipt of how much you paid for the caviar instead of posting the caviar itself

[-18.3 @SenatorBall]

AI companies make it so you can’t use conversation cadence as the easiest indicator of AI presence challenge level impossible

[Aoden Teo @AodenTeoMT]

Today, we’re excited to introduce Miso One, the most emotive voice model in the world.

Miso One is an 8-billion-parameter text-to-speech model for highly expressive speech generation. It emotes like a human and responds faster than a human, with just 110 milliseconds of latency.

We’ve open-sourced the model weights, with API access coming soon.

Hear how Miso One sounds in the thread below.

[hunter @hxxntrr]

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)

[Falcon 💷 @Falcon0nX]

S&P 500 investors after building generational wealth with zero research

[-18.3 @SenatorBall]

join the fallen states

[PEANUT @PEAtotheNUT]

More of this less Jason Kelce and Kevin Hart please

[Mike P @mikepat711]

If my portfolio drops another 10% I’m going to the next no kings protest

[Swan @AndySwan]

Claude watched me swing 5 times and custom built me a new set of irons

[Albert Yeh @yeHHH]

Might be time to switch to the Kirksius

[-18.3 @SenatorBall]

Both of the last billion dollar brackets fall with Gonzaga