Chance Sterling

[Crazy Moments @Crazymoments01]

Wait... why did nobody teach me this sooner? Every letter instantly looks so much cleaner. 😳

[Devoted Dividend Investor @DevotedDividend]

🚨 I’ve been investing in dividend stocks for nearly a decade 👨📊💵

Deployed almost $2,000,000+ into dividend stocks & ETFs

Here’s a list of some of my favorite high-paying dividend ETFs over the years (no particular order)

*save this for later* 🔖👇

[₿en Wehrman @benwehrman]

Adolf Hitler vs. The Jew World Order - Full Documentary

[Vril Nye @VrilNyeX]

Look how miserable life under the evil National Socialists in 1930’s Germany was

[Fuentes Updates @FuentesUpdates]

Case dismissed, bitch 😈

[CyrilXBT @cyrilXBT]

A MIT professor gave a 1-hour lecture in 2019 that has 18 million views.

He died 5 months after recording it.

It was his final gift to the world.

Patrick Winston taught at MIT for 50 years.

The smartest engineers on earth sat in his classroom.

And he spent his last lecture teaching them the one skill their degrees never covered.

How to speak.

15 lessons that will change how you communicate forever:

Never open with a joke. Your audience is not ready to laugh yet. Open with a promise of what they will know by the end.

Your ideas are like your children. You are too close to them. What is obvious to you is invisible to everyone else. Explain the obvious.

The 5-minute rule: the first 5 minutes of any talk determine whether people will listen for the next 55. Spend more time on your opening than anything else.

Repeat your most important idea 3 times in 3 different ways. Once is never enough.

Build a fence around your idea. Tell people what it is NOT before you tell them what it IS.

Verbal punctuation. Pause. Let the idea land before moving to the next one.

Ask questions nobody will answer. Then wait 7 seconds. The silence is not awkward. It is processing.

Never read your slides. Your audience can read. They cannot listen and read simultaneously.

Use the board not the slides. Writing forces you to slow down. Slowing down forces clarity.

Inspire before you inform. Nobody learns from someone they are not inspired by.

End with a contribution not a summary. Tell them what you gave them. Not what you said.

Never say thank you at the end. It is weak. End with something that lands.

Stories make ideas stick. Data makes ideas understood. You need both. In that order.

The quality of your communication determines the quality of your ideas in the eyes of the world. Not the ideas themselves.

Practice is not preparation. Practice IS the skill.

Patrick Winston understood something most people spend their entire careers missing.

Your ideas are only as powerful as your ability to transfer them into someone else's mind.

You can be the smartest person in the room and be completely invisible.

Or you can master communication and make average ideas feel like breakthroughs.

He chose to spend his last lecture teaching this.

Watch it tonight.

Bookmark this first.

Follow @cyrilXBT for more lessons from the people who built the future.

[Engineering Knowledge @DP0STS]

Useful knots you should know

[hunter @hxxntrr]

Your health insurance just denied your claim. Good. Now you can make them pay it

They deny roughly 17% of all claims on first submission. Internal processing. No human reviewed your file. No doctor looked at your case

An algorithm flagged it and the system auto-generated a denial letter because the default answer is no

And it works. Because about 65% of people who get denied never appeal. They read "denied" and assume that's final

UnitedHealth Group reported $22 billion in profit last year. That number doesn't happen by approving every claim that comes across the desk

The appeal process exists because they're legally required to offer one. They're betting you won't use it

Step 1: Read the denial letter word by word. It has to contain a specific reason code and the clinical basis for denial. This is required under the ACA

If the letter doesn't include a specific clinical reason, that itself is a regulatory violation you can report to your state insurance commissioner

Step 2: Call your insurance company and ask for the "clinical policy bulletin" they used to deny your claim. They have to give it to you

It's the internal document that defines what qualifies for coverage. Read it carefully and find where your situation fits their own criteria

Half the time the denial contradicts their own published guidelines

Step 3: Get a letter from your doctor. Not a prescription pad note. A proper letter that specifically addresses every reason listed in the denial and explains why the treatment was medically necessary

Have them reference the diagnosis code, the procedure code, and cite clinical guidelines supporting the treatment. Doctors write these constantly. Just ask

Step 4: File a formal internal appeal. Every plan must offer at least one level under ACA Section 2719. You have 180 days from the denial date

Include the doctor's letter, supporting medical records, and a cover letter that addresses each denial reason point by point

The internal appeal goes to a different reviewer. Different person. Different assessment. Success rate on internal appeals: 40-60% depending on the denial type

Step 5: If the internal appeal fails, file an external review

This is where they really don't want you going. Under federal law you have the right to an independent third-party review. The external reviewer does not work for your insurance company

Independent physician or panel with zero incentive to side with the insurer

External review overturn rates: 40-72% depending on the state. In some states more than half of all external reviews force the insurance company to pay the full claim

"i don't have time for all this"

The denial letter took them 3 seconds to generate. Your appeal takes about 30 minutes and could be worth $5K-$200K depending on the procedure

Insurance denies a $400 blood panel: most people eat it

Insurance denies a $3K ER visit: some people call, get told no again, give up

Insurance denies a $15K surgery: person assumes denied means denied

Insurance denies a $50K cancer treatment: patient is too exhausted and scared to fight

The insurance company sent the exact same form letter for all four. One algorithm. One default answer. One bet that you'll accept it

A woman contacted us after her insurance denied a $23K spinal procedure. She'd been in pain for 8 months and assumed the denial was final

We filed the internal appeal with her surgeon's letter and clinical guidelines proving the procedure met their own coverage criteria word for word. Denied again

Filed external review with the state. Independent reviewer overturned it in 14 days. Insurance paid the full $23K

She spent 8 months in pain because she believed a form letter

Same claim. Same procedure. Same insurance plan. One person accepted the denial. The other appealed twice. $23K difference

The insurance industry has a line item in their financial models for "claims denied that won't be appealed." You are a data point on a spreadsheet and they've already calculated the percentage of you that will give up

Don't be the percentage

(i fix credit and build capital stacks. this one costs you nothing but 30 minutes. appeal every denial. link in bio for the credit side)

[JOKAMRREDPILLZ @JOKAQARMY1]

One of the greatest commentaies ever. 🤣

[DaVinci @BiancoDavinci]

A knot that allows you to carry things.

[Rimsha Bhardwaj @heyrimsha]

🚨 BREAKING: Claude can now build your retirement plan like a Vanguard $500/hour wealth consultant (for free).

Here are 5 insane Claude prompts that replace your retirement advisor, tax consultant, and investment strategist.

(Save for later.)

[High Yield Hustle @HighYieldHustle]

If you want growth:

$VOO $VTI $QQQM $SMH $IBIT

If you want dividend growth:

$DIVO $VYM $SCHD $FDVV

If you want income:

$SPYI 12% yield $QQQI 14% yield $BTCI 28% yield $CHPY 35% yield

If you want safety:

$SPYH $SPHD

[Value Investing Edge @StonkValue]

These stocks will create many millionaires in 2026 and beyond-

Defense - $ONDS , $OSS

Space - $FLY, $SATL , $PL

Energy - $TE , $AMPX

AI Infrastructures - $NBIS , $IREN , $CIFR

Optical sector - $AXTI , $AAOI, $LWLG , $AAOI

FinTech Sector - $LMND , $ZETA

Quantum - $IONQ

Have patience and compounding will change our life!

Bookmark this post for later!

[GERMANIA @DigitalGermania]

Dr. William Luther Peirce

How this all came to be