Stephen Baker

Army and Navy Veteran-retired. Married, father and Papa! love the country I served and please know my Oath never expires.

[Stephen Baker @StephenBakeplus]

@WorkElizab @MrEveryMan44 $40 unless service wasn’t good.

[Stephen Baker @StephenBakeplus]

@AlixG_2 @Cougariz I love this and fully support your position!

[Stephen Baker @StephenBakeplus]

@Chicago1Ray @LeaderJohnThune Straight up paid for controlling the senate. Needs to be impeached! Rino republicans need to all be voted out. . @leaderjohnthune you need to get on board or resign.

[Renata @RL9631]

America First Patriots! 🇺🇸
A new day to defend our God-given American Constitutional Rights — the sacred foundation of our freedom! Defend our sacred right to choose our representatives!
From the First Amendment’s guarantee of speech, religion, assembly, and the press… to the Second Amendment’s right to keep and bear arms… to the protections of due process, and the rights to protect Life, Liberty, and the Pursuit of Happiness — these are our rights as Americans. No government, no politician, no globalist agenda can strip them from a united, vigilant people.
We the People hold the Power. We the People will preserve this Republic.
Stand strong. Speak boldly. Be Proud to be AMERICAN. Teach your children.
And Never Ever surrender.
Make America Great Again — one constitutional victory at a time!
God bless you all. God bless the Constitution. And God bless the United States of America! ❤️
#MAGA #Constitution #AmericaFirst

[Pepe Deluxe 🐸 @deluxe_pepe]

🚨BREAKING: Steve Hilton, who was placed in first place after election day for Governor of California, is now projected to fall into third place and be ELIMINATED!

This is voter fraud! We are witnessing 2020 all over again!

[Stephen Baker @StephenBakeplus]

@Real_Ames @kittenaround_51 2

[hunter @hxxntrr]

You can take $250K from the banks, buy $250K in gold bars, store them in a private vault, and use the gold as collateral to borrow ANOTHER $200K from a different bank at 4% interest that you use to pay off the original 0% cards

You now have $200K in cash, $250K in gold, and your only debt is a 4% collateralized loan against an asset that has gone up every single year for 24 straight years

This is how billionaires avoid taxes and it works at any scale

Here's the chain:

Step 1: Stack $250K in 0% business credit. Standard play. 6 banks, bureau sequenced, 11 days

Step 2: Liquidate $242K (after processing fees) into your business checking

Step 3: Buy physical gold. Not GLD. Not a gold ETF. Physical gold bars and coins from a dealer like APMEX, JM Bullion, or SD Bullion. At current prices ($2,300/oz) that's roughly 105 ounces. About 6.5 lbs of gold. Fits in a shoebox

Ship it to a private vault (Brinks, Loomis, Delaware Depository). Storage cost: $150 to $300/year for this amount. The vault is insured. Your gold sits in an allocated account meaning those specific bars belong to you, not the vault company

Step 4: This is the magic part. Take your vault receipt showing $242K in stored gold to a bank or private lender. Apply for a Securities-Based Line of Credit (SBLOC) or a collateralized precious metals loan. Multiple lenders offer this: banks, credit unions, and specialty lenders like Vaulted or BOLD

They lend you 70 to 80% of the gold's market value. 75% of $242K = $181,500

Interest rate on a gold-collateralized loan: 3.5 to 5.5% depending on lender and LTV. Call it 4.5%

You now have $181,500 in cash from the collateralized loan. Use it to pay off $181,500 of the original credit cards. Remaining credit card balance: $60,500. Pay that off over 6 months from income or savings

What you now own:

$242K in physical gold (in a vault, appreciating)
$181,500 in collateralized debt at 4.5% (interest-only payments available)
$0 in credit card debt
All original credit lines still open and available

Interest-only payment on $181,500 at 4.5%: $680/month

"$680/month for what?"

For holding $242K in gold that historically appreciates 8 to 12% per year. Gold has had a positive annual return in 20 of the last 24 years. It returned 13% in 2023. 27% in 2024. It's up 23% year-to-date in 2025

If gold returns 10% this year, your $242K in gold becomes $266K. You made $24,200 in appreciation. Your interest cost on the collateralized loan: $8,160/year. Net profit from the spread: $16,040

You're being paid $16K/year to hold gold that the bank's money bought

And here's where the tax play comes in. This is the part that makes accountants get emotional

You NEVER SELL THE GOLD. If you sell it, you pay capital gains tax (28% on precious metals, the highest rate for any investment asset). Instead you borrow against it. Loans are not taxable income. When you borrow $181K against your gold, the IRS doesn't consider that income. It's debt. Even though you have $181K in cash from the loan, your tax bill: $0

This is the same play billionaires use with stock. Elon Musk doesn't sell Tesla shares and pay 20% capital gains. He borrows against them at 2 to 3% interest from Goldman Sachs. He gets cash. Pays no tax. The shares keep appreciating. He borrows more against the higher value. Repeat forever

You're doing the identical play with gold instead of Tesla stock. Bought with bank money instead of PayPal founding shares. At 0% initial cost instead of whatever Elon's cost basis was

The perpetual loop:

Year 1: Gold at $242K. Borrow $181K at 4.5%. Use cash to pay off credit cards and live
Year 2: Gold appreciates to $266K. Refinance the collateralized loan at 75% of new value = $199K. Pay off old loan ($181K). Pocket $18K cash tax-free. New loan interest: $746/month
Year 3: Gold at $293K. Refinance again. Pull out more cash. Loan gets larger but so does the collateral
Year 5: Gold at $355K. Collateralized loan at $266K. You've pulled out $85K in tax-free cash over 5 years from refinancing against appreciation. Paid $0 in capital gains. Gold is still in the vault. Still yours

The $680/month in interest is the only real cost. And it's deductible as investment interest expense if you itemize. At a 37% tax rate that $680/month costs you effectively $428/month after the deduction

$428/month for a self-funding gold position that generates $16K+/year in appreciation and unlimited tax-free cash access through collateralized borrowing

"What if gold drops?"

If gold drops below your loan-to-value threshold the lender issues a margin call. You either deposit more collateral (more gold or cash) or they liquidate enough gold to bring the LTV back in line. At 75% LTV, gold would need to drop 25% before a margin call. Gold hasn't dropped 25% in a calendar year since 2013. And even then it recovered within 18 months

The chain again:

Chase lends you $250K at 0%
You buy gold
You borrow against the gold at 4.5%
You pay Chase back with the gold loan
Chase got $0 in interest
The gold lender gets 4.5% (tax deductible for you)
The gold appreciates 8 to 12% per year
You never sell the gold so you never pay capital gains
You borrow against the rising value tax-free
Repeat until you die

This is how generational wealth works. Not by earning income and paying 37% tax. By acquiring appreciating assets with borrowed money and borrowing against those assets instead of selling them. The tax code was written for this exact behavior

the IRS taxes income. the IRS taxes sales. the IRS does not tax loans. borrow against everything. sell nothing. the billionaires figured this out 50 years ago. you can do the same thing with a credit score and 105 ounces of gold in a vault lmfaooo

(we get 700+ score business owners $100K-$250K in 0% business funding. what you buy with it and how you structure it is between you and your accountant. link in bio)

[Renata @RL9631]

🚨JFK SMOKING GUN: FBI False Report On September 10, 1963 Indicates Bureau had Foreknowledge Oswald's Rifle…
Please read attached Substack
https://t.co/nBJAG27ZJC
provided by retired attorney Leo Donofrio’s @LCDLAW1 and listen to his Space in attached post. This information should go viral!
👇
https://t.co/LkjjEtssli…

[John McAfee 🇺🇸 News @mcafeenew]

🚨MASSIVE RINO SELLOUT BOMBSHELL: MARJORIE TAYLOR GREENE WAS BRIBED BY GEORGE SOROS AND BILL GATES WITH TENS OF THOUSANDS OF SHARES TO SUDDENLY “SWITCH SIDES” AND GO SOFT ON THE SWAMP!

Follow @UnmaskTheSys

Her stock portfolio exploded with insane gains that had NOTHING to do with smart trading — it was straight-up payoffs from the globalist elite she used to rail against!

Citizen journalist Nick Shirley just dropped the receipts: “She’s on the take. The paper trail is crystal clear for anyone to see.”The IRS is coming for her unreported 2025 income from these dirty deals, and she’s got nowhere left to hide.

The woman who once talked tough just got bought and paid for like every other corrupt politician. How the mighty have fallen… or maybe she was never real to begin with. The left didn’t beat her — they BOUGHT her.

SHARE THIS IF YOU WANT FULL INVESTIGATION AND ACCOUNTABILITY FOR RINOS ON THE TAKE!

Follow @mcafeenew for more drops.

[John Fitzgerald Kennedy Jr. @MrJohnJnr]

Well, well, well…
Was his name really Barack Hussein Obama — or was it Jean Paul Ludwig? Let me explain.
After digging through records and old documents, something strange surfaced: the Social Security Number 042-68-4425, the one linked to Barack Obama, was originally assigned to a man named Jean Paul Ludwig — a French-born immigrant who came to the U.S. in 1924. He was reportedly given that SSN in March 1977.

Now here’s the kicker: Ludwig spent most of his adult life in Connecticut, which explains why his SSN begins with 042 — a prefix reserved for Connecticut residents.

Obama? Never lived or worked in Connecticut. So why would he have a Social Security number tied to that state?

It gets even more curious. Ludwig reportedly passed away in Hawaii, where Obama’s grandmother, Madelyn Payne Dunham, just happened to work in the probate office of the Honolulu Courthouse — with access to files of deceased individuals and their personal records, including unused Social Security numbers.

The theory is that Ludwig’s death was never properly reported to the Social Security Administration, likely because he never received benefits. That meant his number sat dormant — and accessible.

Some believe Dunham may have quietly found a number that belonged to someone long gone — someone not receiving benefits — and handed it off to her grandson, whose citizenship status has long been questioned by skeptics due to connections to Kenya and Indonesia.

And that’s just the beginning. If Trump — or anyone else — ever pushes past the birth certificate and straight into the mystery of this SSN, it’s going to be chaos. You’ll see heads spin on the left like never before. Because you can debate birthplaces all day long, but using a Social Security number that wasn’t assigned to you? That’s fraud.

This isn’t about politics. This is about the law — and the truth.
Let people make their own decisions, but they deserve to know.

If you’re reading this and just shrug it off? Then maybe you’re okay with being lied to. But if not, spread the word.
Because justice for this country is long overdue.

In God We Trust.

FOLLOW ME, THE NEXT DROP WILL BE SHOCKING

[Renata @RL9631]

Pritzker @GovPritzker demands check from the American taxpayers…But he keeps destroying Chicago and robbing its citizens from their rights to live in a safe and peaceful place.
Pritzker is encouraging Chicago residents to use public transport instead of taking the car. Are you F kidding me?! WTH?! 🤦‍♀️
This video was recorded on the CTA Blue Line. January 25.
@realDonaldTrump
@Sec_Noem
@DHSgov

[Renata @RL9631]

🚨https://t.co/YXRJqA9gi8
☝️
Dear DHS Secretary Kristi Noem, when you find a moment, please look at the post above and listen to the Space recording.
You will hear everything that you may need to know about Maricopa County officials violating the State and Federal Laws in 2020 Election.

Do not hesitate to contact AZ State Elected PC Michele Swinick @EverythingHomeT or Attorney Leo Donofrio @LCDLAW1 for any questions.
Here’s a Substack provided by Leo. 👇
https://t.co/bUfWiEWmbh
@Sec_Noem
@DHSgov
@KristiNoem
@WhiteHouse

[Renata @RL9631]

🚨🚨Maricopa County officials violated State and Federal Laws in 2020 Election.
President Trump must investigate Maricopa County and the Maricopa County Board of Supervisors.
Listing to this recording.
https://t.co/SCW3QjdFQy

@realDonaldTrump
@RapidResponse47
@KristiNoem
@Sec_Noem
@DHSgov
@TulsiGabbard
@DNIGabbard
@StephenM
@MariaBartiromo
@NEWSMAX
🚨Attorney Leo Donofrio @LCDLAW1 and Michele Swinick @EverythingHomeT have all of the EVIDENCE.
Contact Michele or Leo.
👇👇👇👇

[Renata @RL9631]

🚨Join Us on Space!
▪️Wednesday 11the 8E/ 7C/6pm 
▪️Hosted by me:
Renata @RL9631
An Open Mic 🎤Night with two incredible guests: AZ State Elected Committeewoman Michele Swinick @EverythingHomeT and
Attorney Leo Donofrio @LCDLAW1
Leo and Michele will be sharing their newly discovered evidence and exposing even more incriminating information about Maricopa County Arizona.
▪️ Federal and State felonies.
58,550 Standard Election Day Ballots on Nov 3, 2020 to voters who already requested and received Early Ballots by mail, Maricopa officials violated 52 USC 20511(2)(B) - a felony- 5 years in prison. The 5 year SOL starts from August '22 which was final act of pattern + 3044 Fraudulent Ballots Discovered In Maricopa County Report!
https://t.co/8XDJnTayrz

[Blonde of War (JJ) @BlondeOfWar]

A man walking along a road noticed an overgrown gate. Behind it, an SUV and a home, still filled with furniture, clothes, shoes, vehicles, abandoned, left to be forgotten.

Files found show they worked for the government. Did they vanish, move, relocate? Why leave it all behind?

[Renata @RL9631]

🟥 Since the 2020 Election sham
WE DO NOT have elections.
We have crime scenes.
Your County CORRUPT OFFICIALS decides who wins election. Not your votes.
At this point “Save Act” doesn’t matter and it won’t fix election crimes in your County, because your County officials/criminals control all of the elections process system.

🟥 First remove, prosecute County criminals then implement Voter IDs, Citizenship, One day voting…

🟦 The only way to fix this dangerous mess would involve most powerful man in the world.
Mr. President Trump needs to use his power and get his DOJ TEAM to investigate and prosecute election criminals. ASAP!
@realDonaldTrump

🟧 Maricopa County, Arizona was already investigated by AZGOP PC and Election Judge, Michele Swinick and Attorney Leo Donofrio.
She exposed massive corruption, maladministration and misconduct in the 2020, 2022 and 2024 elections in Maricopa County.
FEDERAL and STATE LAWS have been broken.
Start there and then other states should follow.

🟩 WHY ANYONE is TALKING ABOUT THIS❓
WHY no one has DEMAND an INVESTIGATION, PROSECUTION of criminals and CORRECTION of 2020 ELECTION❓

[Renata @RL9631]

🚨ATTENTION PLEASE: American people wake up!
We DO NOT have ELECTIONS.
We have ILLUSIONS of elections.
We have crime scenes not elections. Our elections are being conducted by your County corrupt officials. But no one cares. We lost America after the 2020 election sham.

🚨It’s outrageous that not even 1 MAGA and America First politician, not even 1 Election Attorney, 1 Sheriff, not even 1 GOP member, 1 America First and MAGA Candidate, 1 Precinct Committeemen or Committeewomen, 1 GOP District Representative said or did anything to STOP this from happening in every election since the 2020 election SHAM!
Where are they? What are they protecting?

🚨AZGOP Precinct Committeewoman and Election Judge, Michele Swinick @EverythingHomeT has been exposing the TRUTH our Country Election System for 3 YEARS.
The SWAMP IS DEEP.
Swinick has done incredible work to INVESTIGATE the 2020, 2022 and even 2024 elections in Maricopa County Arizona. She didn’t get paid millions of dollars for her time and effort. No. She did all for this COUNTRY and because Michele Swinick CARES. If you’re American citizens you should care and fight to PROTECT our CONSTITUTIONAL REPUBLIC!!!

🚨EVIDENCE is there in your County’s public records.
But no one cares to investigate the election system.
It’s not Voters ID it’s the Election Officials who are responsible for election crimes.
Maricopa County Committed MASSIVE Federal and State FELONIES in 2020, 2022 and 2024 Elections!

🚨Mr. President Trump MUST Investigate and Prosecute NOW!
He Made a Promise to the PEOPLE 10/8/24 - DEMAND He Keeps It...JAIL TIME FOR ALL CRIMINALS!
@realDonaldTrump
@MELANIATRUMP

🚨IF YOU ALL CARE about the truth…Watch this video:
⬇️
https://t.co/RL9TIIBYcG

🚨Michele Swinick’s website has all of the videos and informations:
https://t.co/RmT27cFkU7
Just scroll down on that website to read and watch everything that you should be talking about and DEMAND ACTUAL ACTIONS.

[Renata @RL9631]

🚨We lost America and our Freedom on Nov 3rd, 2020, when fake FoxNews announced that Maricopa County, Arizona went to biden. This was a huge lie.
🚨2020 election sham must be corrected and all criminals who have committed election crimes prosecuted or nothing will change. It will get worse and worse. America will become Venezuela.
@helen44767171

➡️ https://t.co/24vli4oG7V
🚨Must watch video.
Credit goes to Michele Swinick @EverythingHomeT

[Renata @RL9631]

🚨Mr. Kennedy @RobertKennedyJr
What’s going on in the Arizona sky?

[Vince Langman @LangmanVince]

You will not see this video showing Renee Good hitting an ICE agent with her SUV before he opened fire on any local or national TV networks, and you would have never seen it on this platform had Elon Musk not purchased Twitter.

This is why X is the new media in America!