Derek

[Lara Logan @laralogan]

One of the best Charlie Kirk answers of all time.

[Derek @derekberry58]

And the democrat party has absolutely no morals or values.

[Gunther Eagleman™ @GuntherEagleman]

NAILED IT!

Democrats should be ashamed of themselves.

[Boring_Business @BoringBiz_]

This 1992 lecture at MIT from Steve Jobs will teach you more about product and sales than most 2 year MBA programs

Crazy just how ahead of his time this man truly was

[Jason Cohen 🇺🇸 @JasonJournoDC]

🚨NEW: Stephen A. Smith *ASKS QUESTIONS*🚨

"How come it was okay to celebrate ICE when Obama was in office — and you had networks literally traveling with ICE to show you the marvelous work that they were doing — but suddenly Trump is doing it and now it's a pariah and ICE needs to go and be completely banned?"

"Why are sanctuary cities existing? Why do you get to implement laws that get you to ignore federal laws? How does that benefit our country?"

@DailyCaller

[Sarah Fields @SarahisCensored]

In one of the most iconic moments in State of the Union history, Trump checkmated every Democrat by asking Congress to stand if they agree: The first duty of the American government is to protect American citizens, not illegal aliens.

The Democrats stayed seated.

[Elon Musk @elonmusk]

This needs to be said, as there has been unrelenting hate and poisonous propaganda in the West against anyone White, straight or male over the past decade or more!

It went WAY too far. No more guilt trips.

ENOUGH.

[Jack @jackunheard]

Wow. ICE just released the most emotional ad I have ever seen in my life.

“This is our why”

It honors all of the innocent Americans who were killed by criminal aliens who shouldn’t be here.

Say their names. RIP.

Everyone needs to watch this:
https://t.co/tNmg9DCEoZ

[hunter @hxxntrr]

Met a girl in Austin who owes $200K on credit cards and hasn't paid a single dollar of interest in over 5 years…

Thought she was full of shit

She pulled up a color-coded Google Sheet and walked me through it. The math actually checks out. She might be the smartest person I've ever met or the most reckless. Probably both

She's been cycling balance transfers across banks in a loop that never ends

The play is stupid simple once you see it:

She takes $200K in 0% APR business cards. Uses the money for her real estate business. Month 10, before the 0% promo expires, she applies for a new round of 0% cards at different banks.

Gets approved (because her score is 760+ since business cards don't report to personal credit).

Does a balance transfer from the old cards to the new ones. 0% clock resets for another 12-18 months

Old cards go to $0 balance. New cards hold the $200K. She hasn't paid a penny in interest

"But you can't balance transfer business cards"

Some banks allow it directly. For the ones that don't, she uses a
workaround. She liquidates the new 0% cards into cash (2-3% fee through a payment processor), then uses that cash to pay off the old cards manually.

Same result.

Costs her about $4K-$6K per cycle which she treats as a business expense

She's been doing this for 5 years straight. That's roughly $25K in total fees to maintain access to $200K in perpetual 0% capital

The interest on $200K at normal business loan rates (8-12%) would be $16K-$24K per year. She's paying $5K per year instead. Over 5 years that's roughly $75K-$95K in interest she just didn't pay

The spreadsheet tracks every card, every promo expiration date, every bank, every cycle. She has it planned out 18 months in advance. She knows exactly when to apply at which bank and in what order
"Won't the banks figure out the pattern?"

Some already have. Amex denied her last cycle. So she shifted to Navy Federal and US Bank which she says are less aggressive about detecting balance transfer cycling. Capital One still approves her every time

She told me "banks offer 0% promos because they're betting you'll forget to pay before interest kicks in. I just never forget"

The 2-3% fee per cycle is her rent for $200K in free money. She called it "the cheapest loan on earth that technically isn't a loan"

5 years. Zero interest. $200K in perpetual capital

I checked the math twice. It works

[Mindset Machine  @mindsetmachine]

How smart families plan financial security for their children

[Boring_Business @BoringBiz_]

This 40 minute lecture from Peter Thiel at Stanford will teach you more about business competition than a 2 year MBA program

[Damian Player @damianplayer]

Mark Cubans advice on selling AI agents to SMBs is the MOST underrated clip on the internet right now.

here’s the full play he didn’t break down (bookmark this):

pick one vertical. learn the flows. become the AI team they never hired and wish they had.

you really don’t need a CS degree or VC money. you need claude, a cold email sequence, and the willingness to learn one industry better than anyone.

bonus, find an industry leader who knows nothing about AI but knows everything about their business. partner with them. bring AI into their operations.

you increase EBITDA. you increase multiples. you own a piece of the upside. this is the business model of the decade.

[hunter @hxxntrr]

you can dispute every single account on your credit report

all of them

17 collections. 4 charge-offs. 31 late payments. 2 repos. 1 bankruptcy

55 negative items total

"you can't dispute everything at once, they'll flag you as frivolous"

wrong. you can. here's what happens:

day 1: sent 55 individual dispute letters

one letter per account. one to each bureau. that's 165 letters total

every letter said the same thing:
"I dispute this account. Please provide the method of verification used, the name and contact of the person who verified, and all documentation used in verification"

certified mail. return receipt. costs you $380 in postage

"that's insane"

$380 to potentially delete $127,000 in debt is the best ROI in history. keep reading

day 14: first responses

Equifax sent back a form letter for 12 accounts saying "verified as accurate"

but they didn't answer your actual question. you asked HOW they verified. they just said "we verified"

that's not legal. FCRA Section 611 requires them to describe the procedure used to verify. "we verified" is not a procedure. it's a sentence

sent follow-up letters:
"Your response did not comply with FCRA Section 611(a)(6)(B)(iii). You failed to provide the method of verification. I am requesting reinvestigation"

day 30: the massacre begins

TransUnion deleted 9 accounts. just gone. couldn't verify them

Equifax deleted 6 on first round. 4 more after your follow-up challenging their garbage "verified" response

Experian deleted 11 accounts. they're actually the worst at verifying because they outsource disputes overseas

day 30 count: 30 out of 55 items deleted on round one

day 45: round two

sent new disputes on the remaining 25 items. different language this time:
"Previous investigation was inadequate. Provide original signed contract, complete payment history from origination to current, and proof of proper notification of delinquency"

asking for MORE documentation than the first round. different investigator reviews it. different result

day 60: round two results

14 more deleted

running total: 44 out of 55 items gone

day 75: round three (the kill shot)

11 items remaining. for these you go nuclear:

filed CFPB complaints for each one
"Bureau failed to conduct reasonable investigation. Two previous disputes returned 'verified' without providing method of verification. Requesting supervisory review"

CFPB complaints get escalated to a senior team, not the overseas dispute farm. these people actually look at your file

day 90: final count

items started with: 55
items deleted: 49
items remaining: 6 (legitimate, recent accounts you actually need to address)
deletion rate: 89%

credit score impact: 471 to 684 in 90 days is typical with this method

the 6 remaining items? you settle them for pennies on the dollar with deletion agreements. the rest fall off at the 7 year mark

"but disputing everything is frivolous"

no. disputing things without a legal basis is frivolous. asking bureaus to prove their verification method is your legal right under FCRA. for every account. there's no limit

the bureaus WANT you to think disputing more than a few items is suspicious. that's propaganda to keep their workload down. the law says you can dispute anything, anytime, for any reason, as many times as you want

the people with 3 collections sitting there disputing one at a time over 18 months are playing the game wrong

dispute everything. overwhelm them. make THEM prove every single account. most of them can't

once your report is clean? 700+ score unlocks $100K to $250K in 0% business funding. every item you leave sitting on your report is money you can't access

(i dispute everything on your report simultaneously and delete it all in 30 to 90 days. link in bio if you're tired of doing this one account at a time)

[Red Pill Dispenser @redpilldispensr]

Whistleblower reveals how to get rid of 90% of debt collectors.

[Millionaire Framework @Milli0nairePath]

This speech will change your life 💯🙏

[ecomchigga @ecomchigga]

talked to a girl at a coffee shop who said she "sells PDFs"

figured she meant like $500/month etsy side hustle shit

nope

$31K last month. one product. made it in 6 hours back in february.

"how is that even possible"

"i don't sell information. i sell the exact thing they'd have to build themselves."

she explained:

everyone else teaches concepts. she just hands people the finished template.

notion dashboard took her one afternoon. charges $45. sells 20+ daily because nobody wants to build it themselves.

"people will pay to skip the work?"

"people will pay anything to skip the work. that's the only reason digital products exist."

she doesn't post tutorials. doesn't explain how the template works. doesn't educate.

just shows the end result and says "here, take mine."

her content is literally just screenshots of the thing with "$45 link in bio"

no hooks. no threads. no value posts.

i've been writing 2000 word breakdowns trying to prove i'm smart

she posts a screenshot and makes my monthly income in a week

the people making real money aren't teaching

they're just handing people the shortcut and charging for the convenience

turns out nobody wants to learn

they just want it done

[Bridgett Fertig @LightOnLiberty]

Who made this?! 😂

Wait for it!

They should air this during the Superbowl commercials to show the public the Truth and vindicate President Trump.

[The Sigma Mindset @thesigmamindset]

Why you should feel it before you have it ‼️‼️

[Cole Jaczko @colejaczko]

Jack Harlow unintentionally gave one of the best motivational speeches of all time

"Whatever you want in this life you can have it. Just focus and it's all yours."

"They can't tell you who you are - you know who you are. You control the narrative"

[Damian Player @damianplayer]

Mark Cuban’s advice to people trying to get into AI is simple. help businesses implement.

SMBs have budget but zero expertise. they’re not waiting for AGI. they’re waiting for someone to show them what’s possible.

what’s stopping you from being the one they call?

[Mindset Machine  @mindsetmachine]

How to get ahead of 99% of people: