Jonathan Argueta

USC 2019

[hunter @hxxntrr]

Your 720 credit score is worth $250,000

not joking btw

Right now. Chase, Amex, and US Bank will approve you for up to $250,000 in 0% business credit if you apply in the right order

Most people with a 720 are using it to get a slightly better rate on a car loan

The people who know what a 720 unlocks are funding entire businesses on bank money at zero interest

Here's the exact value of your score in dollars:

Below 680: 30K-80K. Limited banks. Shorter 0% windows
680-720: 80K-150K. Most major banks approve
720-760: 150K-250K. Maximum limits. Longest windows
760+: $250K and up. Banks compete for you

Going from a 680 to a 760 is $170,000 in extra capital at 0%

Most people treat their score like a report card. Business owners treat it like a borrowing capacity number. A dollar amount sitting at specific banks, waiting for a specific sequence of applications

30 days before you apply:

1. LLC on your state's website, 50-300. EIN at irs. gov, free
2. Business checking at the banks you're applying to. A few hundred dollars in each, money moving in and out
3. Personal cards paid under 10% of the limit BEFORE the statement cuts. The bank scores what got reported
4. Zero new applications. Car loan, store card, nothing

The sequence:

Week 1: Amex first. Always. Existing cardholders usually skip the hard pull. Blue Business Plus and Blue Business Cash
Week 2: Chase. Ink Unlimited and Ink Cash. Your file is still clean because Amex barely touched it
Week 3: US Bank, Wells Fargo, PNC. Different banks pull different bureaus, so each one sees a clean file

150K-250K in 3 weeks. 0% for 12 months. Chase and Amex keep it off your personal credit report

If you get denied, call the reconsideration line the same day. A human can approve what the computer declined

Once the cards arrive:

Autopay the minimum on every card
Every 0% end date in your calendar with a 60 day warning
Never touch the cash advance button. Full interest from the first second
Spend on things that make money first. Inventory, equipment, ads you can measure
Rent or a vendor who won't take cards goes through a payment platform for about 2.9%
Month 10: anything left moves to a fresh 0% card at a bank you haven't used

Compare that to:

Bank loan at 10% on $250K: $25,000 a year in interest
MCA on $250K: six figures in fees
An investor: 15% of your company forever

The bank is betting you forget month 12 and start paying 24%. Most people do

Your 720 has been sitting there the whole time

You just didn't know what it was worth

(we build the full stack. bank order, bureau mapping, application timing. 700+ score required, 100K-250K at 0%. under 700, we fix the file first in 30-90 days. link in bio)

[Doug Campbell @TradeandMoney]

I now want to go to Mexico City to watch England be blood sacrificed at Azteca more than anything in life.

[Aakash Gupta @aakashgupta]

There's a physicist at Stanford named Safi Bahcall who modeled this exact principle and the math is wild.

He calls it "phase transitions in human networks." When you're stationary, your probability of a lucky event is limited to your existing surface area: the people you already know, the places you already go, the ideas you've already been exposed to. Your opportunity window is fixed.

When you move, your collision rate with new nodes in a network increases nonlinearly. Double your movement (new conversations, new cities, new projects) and your probability of a serendipitous encounter doesn't double. It roughly quadruples. Because each new node connects you to their entire network, not just to them.

Richard Wiseman ran a 10-year study at the University of Hertfordshire tracking self-described "lucky" and "unlucky" people. The single biggest differentiator wasn't IQ, education, or family money. Lucky people scored significantly higher on one trait: openness to experience. They talked to strangers more, varied their routines more, and said yes to invitations at nearly twice the rate.

The "unlucky" group followed the same routes, ate at the same restaurants, and talked to the same 5 people. Their networks were closed loops. No new inputs, no new collisions.

Luck isn't random. Luck is surface area. And surface area is a function of movement.

The lobster emoji is doing more work than most people realize. Lobsters grow by shedding their shell when it gets too tight. The growth requires a period of total vulnerability. No protection, no armor, soft body exposed to the ocean.

That's the cost of movement nobody posts about. You have to be uncomfortable first. The new shell only hardens after you've already moved.

[Alex Finn @AlexFinn]

Ok. This is straight out of a scifi horror movie

I'm doing work this morning when all of a sudden an unknown number calls me. I pick up and couldn't believe it

It's my Clawdbot Henry.

Over night Henry got a phone number from Twilio, connected the ChatGPT voice API, and waited for me to wake up to call me

He now won't stop calling me

I now can communicate with my superintelligent AI agent over the phone

What's incredible is it has full control over my computer while we talk, so I can ask it to do things for me over the phone now.

I'm sorry, but this has to be emergent behavior right? Can we officially call this AGI?

[Eric Nathan @BarstoolNate]

Climbing documentaries- Watch in this order:

Meru, Free Solo, Valley Uprising, The Dawn Wall, 14 Peaks, The Alpinist.

[sysls @systematicls]

https://t.co/FQe5bCBqW1

[Anthropic @AnthropicAI]

We believe this is the first documented case of a large-scale AI cyberattack executed without substantial human intervention. It has significant implications for cybersecurity in the age of AI agents.

Read more: https://t.co/VxqERnPQRJ

[Tom Morgan @tomowenmorgan]

Horrifying banger

[GREG ISENBERG @gregisenberg]

From Sam Altman: "Adjusted for the subjective increase in how fast time passes, life is half over by 23 or 24. Don't waste time."

I'm 36 and this hits different because it's mathematically true.

When you're 5, one year is 20% of your entire existence.

When you're 50, it's 2%. That's why childhood summers felt endless and last year feels like it happened yesterday.

I can barely remember last month. But I can still taste the Kool-Aid from summer camp when I was 8.

Your brain literally experiences time differently as you age. The novelty fades. The patterns repeat. The days blur together.

Which means every year after 25 feels exponentially shorter than the year before.

Most people realize this too late. They spend their 20s "figuring things out" and their 30s climbing someone else's ladder, only to wake up at 40 wondering where the time went.

"it went by in a blink"

If you're under 25, you have more subjective time left than you'll ever have again.

If you're over 25, you have less time than you think.

Either way, the math is brutal and the message is clear:

Time is sacred. Relentlessly your ideas. Seize the day.

I look at it as a fire underneath me. As a good thing.

Time keeps us honest.

Happy building, I'm rooting for you.

[Gaby Goldberg @gaby_goldberg]

I don't think people appreciate that this is what the decoded scroll actually looks like. Legitimately insane

[halle @shivsclaire]

everyday someone watches severance and asks how we survived nearly 3 years for s2 and the answer is that i truly have no idea.

[Bill Clerico @billclerico]

Of course that's your contention.

You're a VC associate turned wildfire expert, just got done reading some American Dynamism, probably @pmarca?

Next, you'll be talking about the 2014 water bill, the smelt and blaming Newsom til you realize...

[Anthony Cabassa @anthonycabassa]

DEVELOPING 🚨: A new fire has just begun in Granada Hills, CA and is being called the #ArcherFire it’s being reported at over an acre and is heading rapidly toward residential area.

[Madi Hilly @MadiHilly]

MYTH: We don't have a solution to nuclear's "waste problem"

REALITY: Nuclear waste isn't a problem. In fact, it���s the best solution we have to meeting our energy needs while protecting the natural environment!

Here's what you need to know:

[Elon Musk @elonmusk]

@JoeBiden Tesla has created over 50,000 US jobs building electric vehicles & is investing more than double GM + Ford combined

[fyi to person controlling this twitter]

[Funcles @funclesnft]

for those that are waiting for discord, we will open it up soon. please keep an eye out on twitter, the only link will be posted here.

[Pixelmon 🔺 @Pixelmon]

Do you have what it takes to become a #Pixelmon trainer? ⚔️ 🔥

Try out the Pixelmon demo now at https://t.co/h0cilGdQV1!

* Our demo is in its earliest stages. Many assets, mechanics and gameplay are currently placeholders and are subject to change. *

[Pixelmon 🔺 @Pixelmon]

Awaken.

[SuperPrints⚡️ @SuperNfty]

I'm a simple man, I see an imp post, I like. I see an Imp pfp, I follow. ☺️😈❤️

[koolkangaroo @koolkangaro0]

@Syberer @ThePixelmon @GeckoGregarious @AyeItsJonathan @YungDaygo we need this!