Joseph Coma

Still nobody out there believes the obscene are reprieved. ::clicks are not endorsements.

[Lily @lily_choudhury_]

Amazon is quietly hoping you never open the "Prime Benefits" tab.

I opened it.
You're paying $139/year for what looks like a shipping subscription.

But there's a second membership hiding inside it — one most people never touch.

Here's everything they don't put on the checkout page 🧵👇

[Prime AI @primemans]

My dad paid for a Costco membership for 12 years thinking it was just a place to buy a 48-pack of paper towels.

He'd never touched anything except the food court and the gas pump.

Then my aunt — who worked at a Costco service desk for 6 years — visited for Thanksgiving and watched him pay full price for new tires somewhere else.

She said: "Wait. You have a Costco card and you didn't buy those here?"

She pulled out her phone and showed him 9 things his $65/year membership was already covering. Costco doesn't put most of this on the receipt. They'd rather you just buy the rotisserie chicken and leave.

He used 3 of them by New Year's. Saved over $1,000 on tires and glasses alone.

Here's everything she showed him: 🧵

[Jaxon @jaxoncoder]

Apple wants you to think you need to pay for iCloud storage every month.

You don't.

iOS defaults secretly hoard gigabytes of junk data until your phone fills up.

Here are 5 settings to stop the drain:

[Vivek Sen @Vivek4real_]

ELON MUSK LITERALLY REVEALED THE FASTEST WAY TO BECOME IRREPLACEABLE IN THE AI ERA:

[Jason @Jasoncoderx]

If you have an iPhone 13, 14, 15 or 16, do NOT turn on this one setting in iOS 26.

Apple’s new AI feature is quietly making older phones laggy, hot, and unresponsive.

If you already enabled it, here are 6 settings that will fix it: 👇

[Rony @Ronycoder]

You can make $600 per day if you have:

1. A laptop
2. Wi-Fi
3. Time

Here are 12 websites that pay you daily:

[Edward Frank Morris 🦇 @ThatsEFM]

BREAKING: These 15 careers will quietly dominate the next 10 years.

Most people won’t notice until it’s too late.

If you learn these skills today, you will be impossible to ignore by 2030:

[Joseph Coma @josephComa]

@JobFound5 Interesting

[Manu Sisti @Manu_Sisti]

R.I.P 9 to 5. You don't need a job anymore.

A simple 120 page PDF can make you $8,400 per month from anywhere in the world.

All you need is Claude, ChatGPT, internet connection and 1-hour everyday.

I usually charge $199 for this.

But for the next 24 hours, I’m sharing my entire strategy for free.

To get it... Comment “PDF” and I’ll DM it to you.

(First 500 only).

[Joseph Coma @josephComa]

I have 2 extra tickets for Jimmy Eat World at the stone pony in asbury park tonight. HALF PRICE!!
Must be able to meet me at the box office between 6 and 7pm

[hunter @hxxntrr]

The car dealership showed you 8.9% APR on your auto loan

The bank approved you at 4.2%

The dealership added 4.7% on top and kept the difference. That's an extra $4,800 on a $40K loan that goes straight into the finance manager's pocket as commission

It's called a dealer reserve markup and it's the single biggest legal scam in American consumer finance

Here's how it works. You sit in the F&I office (Finance and Insurance). The finance manager pulls your credit. The bank (let's say Capital One Auto) comes back with an approval at 4.2% APR. The finance manager never shows you this number. Instead he tells you "great news, we got you approved at 8.9%"

You think 8.9% is your rate. It's not. It's your rate plus his commission. The 4.7% spread between 4.2% and 8.9% gets split between the dealership and the finance manager. On a $40K loan over 72 months that spread is worth $4,800 in pure profit

The finance manager makes more money on the markup than the salesman makes on the car itself. The salesman negotiated with you for 3 hours over $500 off the sticker price while the finance manager was in the back office adding $4,800 to your interest rate in 30 seconds

"Isn't that illegal?"

No. Dealer reserve markups are legal in all 50 states. The bank explicitly authorizes the dealer to mark up the rate. The bank WANTS the dealer to charge you more because the bank gets a cut of the spread too. The bank approved you at 4.2% but keeps maybe 3.5% and lets the dealer inflate up to 8.9% and pocket the rest

The bank and the dealer are splitting the extra interest you're paying. They're partners in the markup. Neither one has a legal obligation to tell you the buy rate (the actual approved rate before markup)

The play to kill the markup:

BEFORE you walk into a dealership, get pre-approved at your own bank or credit union

Capital One Auto Navigator: pre-approval takes 5 minutes online. Tells you the exact rate you qualify for with no dealer involvement
Navy Federal Credit Union: if you're eligible, consistently 2 to 3% lower than dealer-marked rates
DCU (Digital Federal Credit Union): anyone can join, known for some of the lowest auto rates in the country
Your local credit union: almost always 1 to 3% cheaper than dealer financing

Walk into the dealership with your pre-approval letter. Don't mention it during negotiations on the car price. Let them settle the price first. Then when they send you to F&I, the finance manager will pitch his rate

When he says "we got you 8.9%," you put your pre-approval letter on the desk: "My credit union already approved me at 4.2%. I'll be using their financing unless you can beat it"

Two things happen:

Either the dealer matches 4.2% or goes lower (he can, because the buy rate was actually 3.8% and he has room). You save $4,800

Or the dealer says he can't match it and you use your pre-approval. You still save $4,800

There is no scenario where you lose by walking in pre-approved

The deeper play for people with damaged credit:

Dealers mark up subprime rates even harder. If your real approval is 12%, the dealer might tell you 18%. On a $25K car over 72 months that markup costs you $6,200. Subprime buyers get the biggest markups because the dealer knows they feel lucky to be approved at all and won't push back

If your credit is under 680, get pre-approved at a credit union BEFORE the dealership. Even subprime credit unions offer rates 3 to 5% below what the dealer will quote. You won't get 4.2%, but you'll get 11% instead of 18% and save thousands

The finance manager is the highest-paid person in the dealership. Not the GM. Not the top salesman. The F&I guy who sits in a back office and adds 3 to 5% to your interest rate while you sign documents you don't read

He makes $150K to $300K a year. Almost all of it from rate markups on people who never thought to get pre-approved

The entire auto lending system has a middleman who adds thousands to your loan and provides zero value. Eliminate the middleman. Get your own rate. Walk in knowing what the bank actually approved you for instead of what the dealer decided to charge you

You negotiated the price of the car for 3 hours and felt proud saving $800. The finance manager made $4,800 off your interest rate in the time it took you to sign your name lmfaooo

(i fix credit so you qualify for the lowest auto rates before you walk in. link in bio)

[Barbara Oneill @BarbaraOneillAU]

HERBS THAT REPAIR WHAT YEARS OF BAD EATING DESTROYED

1. Milk thistle regenerates liver cells 3x faster than any other herb. Silymarin blocks 93% of toxins "from entering liver tissue.

2. Slippery elm coats 100% of the gut lining in a single dose. Reduces intestinal inflammation by 60% within 48 hours.

3. Licorice root heals stomach ulcers 2x faster than antacids. Repairs 80% of gastric lining damage without a single side effect.

4. Marshmallow root reduces gut wall inflammation by 50% within d 3x more effective ma mo over vere counter Gigestive aids.

5. Calendula repairs the gut lining 40% faster than leaving it untreated. Reduces intestinal permeability by 55% in just 2 weeks.

6. Triphala flushes 3x more waste from the colon than a single herb alone. Rebuilds gut wall integrity by 70% in 30 days.

7. Dandelion root doubles bile flow within 30 minutes of drinking it. Flushes 60% more liver toxins overnight than without it.

8. Aloe vera seals leaky gut and reduces intestinal permeability by 50%. Rebuilds damaged gut wall cells 3x faster than diet alone.

[Doroni Aerospace @Doroniaero]

⏳ 6/18: Your last chance to invest at $3.10/share!

The future of flight is being built for your garage. Invest in the company redefining personal aircraft ownership with the H1-X, engineered for safety and performance.

Visit our site to learn more and invest in Doroni today.

[Muhammad Nasir @AiWithNasir]

IF YOU DIED TOMORROW, YOUR FAMILY WOULDN'T BE ABLE TO ACCESS A SINGLE THING YOU OWN DIGITALLY.

BANK ACCOUNTS. PASSWORDS. CLOUD STORAGE. ALL OF IT PERMANENTLY LOCKED AWAY.

HERE'S HOW TO FIX IT IN 30 MINUTES:

[Marry Evan @marryevan999]

A 33-year-old nerd just turned $1,000 into $946,207 trading Bitcoin, using a trick he stole from hurricane forecasts.

No finance degree. No trading desk. Just a trick every meteorologist uses and every trader forgets.

The trick: meteorologists never forecast tomorrow with a single model. They run 31 and count the votes. He aimed exactly that same trick at Bitcoin.

A Claude agent reads every 5-minute BTC market and feeds it into MiroFish, a simulation that runs 31 model paths and only fires when 28 of them agree. Below 26 votes, it kills the trade.

The agent system's coverage speed is way faster than any elite trading team's.

They gather data 24/7 and run simulations with that data in the MiroFish engine, completely autonomously.

Every trade is a perfect cycle. Every dollar earned is pure exploitation of market inefficiency.

That's the whole edge. Not a prediction. A quorum.

Sizes with Kelly and hits a button. Most signals never pass the vote, so most days it stays still.

He spent years learning that certainty is a scam and consensus is the edge.

You only need Claude + laptop + 1 hour/day.

Giving This Free for 24 hours. To get it:

1. Comment the word 'Claude'
2. Like and Retweet this post
3. Follow me @marryevan999

[Rohit @ai_rohitt]

Instead of watching an hour of Netflix, watch this 2 hour hour Stanford lecture will teach you more about how LLMs like ChatGPT and Claude are built than most people working at top AI companies learn in their entire careers.

[Selina @selinaai_]

THAT'S WHY AIRLINES HATE CLAUDE 4.6

Flight for $879. I paid $299.
No points. No affiliations. No VPN.

Here are 8 prompts I used to travel like a pro↓

[Joshua Haymes @haymes_joshua]

She could have died.

Fathers, you need to train your daughters to remove themselves from an altercation like this immediately…
Like their lives depend on it.

Pattern recognition saves lives.

[Dipanshu Kushwaha @Dipanshu_AI]

INSTEAD OF WATCHING AN HOUR OF NETFLIX TONIGHT.

This 1 hour Stanford lecture by Joel Peterson will teach you more about negotiation and getting what you want than most people learn in years.

Bookmark it and give it an hour, no matter what.

[Mayank Agarwal 💡 @TheAIWorld22]

Don’t PAY APPLE for extra iCloud storage.

I fixed it in 10 minutes I freed up 12GB without paying a dollar.

Use these 8 simple steps: