manuel postigo

Photographer 📸

[manuel postigo @Manny_Tigo]

F A L L O N

[ARROW @phresh_arrow]

Losing weight is:

20%
- Lifting weights
- Walking
- Cardio

80%
- Managing emotional eating

[women🧚🏼‍♀️ @11mnou]

She is making a couple of good points

[katherine Estrella @kittyxfleeks]

5’10 🫶🏼

[Insane Reality Leaks @InsaneReality]

You have to create your own luck 🍀

[𝑵𝒂𝒕𝒂𝒔𝒉𝒂 𝑹𝒐𝒎𝒂𝒏𝒐𝒇𝒇 (#Roleplay) @LadyPlacer]

Está intentando ponerse la camiseta..

[hunter @hxxntrr]

"just pay your credit card bill on time and your score will go up"

no mf

call your credit card company right now and threaten to leave. they'll hand you hundreds to thousands in savings in 15 minutes

you're paying 24.99% APR, a $95 annual fee, and getting 1% cashback on a card you've had for 3 years

meanwhile banks are spending $300-$500 to acquire each new customer

you're sitting on real negotiating leverage and you're not using it

the breakup call script:

call the number on the back of your card. say: "I'm considering closing this account. I've received better offers from other banks and I'd like to know what you can do to retain me as a customer before I make my decision"

they'll transfer you to the retention department. these people have a budget to keep you. they can do things regular reps can't:

waive your annual fee (save $95-$550/year) lower your APR (average reduction is 6.7
percentage points according to LendingTree
data)

add bonus points/cashback as a retention offer waive late payment fees from the past 12 months upgrade your card to a premium tier for free

the success rates are insane. according to LendingTree surveys:

76% of people who asked for a lower APR got one 93% who asked for a waived or reduced annual fee got it 81% who asked for a late fee removal were successful

the negotiation:

"what's the best APR you can offer me?" if they offer 19.99%, say "I have offers for 15.99% from [competitor]. can you match or beat that?"

they'll usually come down another 2-3 points
"can you waive my annual fee this year?"

if they say no, say "I've been a customer for [X] years and I'm looking at the [competitor card] which has no annual fee.

closing this account would hurt my average account age which I don't want to do, but I can't justify the fee"

"I noticed a late fee from [month]. I've been a reliable customer for [X] years. can you reverse that as a courtesy?"

"are there any retention offers available on my account?"

sometimes they'll offer 10,000-30,000 bonus points or elevated cashback for 3-6 months just for asking

what you can realistically save per card:

annual fee waived: $95-$550 APR reduction on $5,000 balance: $250-$750/year (based on avg 6.7 point reduction) late fees reversed: $29-$40 per fee retention bonus points: worth $100-$300

do this for every card you have. most people have 3-4 cards

and if they won't budge? actually close the card and get the competitor's offer. you weren't bluffing. you were negotiating. if they don't value you, someone else will

one call. 15 minutes. real money back in your pocket

you've been overpaying because you never asked them to stop

(if you need to fix bad credit to access the top cc offers, link in bio)

[Achilles99 @Achill_es99]

Once he peeped she had a gun he thought it was going be easy to get it off her. He thought that was the perfect time to take advantage of that same black woman who just saved his life. Black women always riding for black men and this is the thanks we get!
Shit ain't sad. He got what he desired

[DREAM MILFS @DreamMILFs]

Twerking Her Gigantic Huge Phat Ass 🍑🌊

[Joy Joy @Joyoky1]

Beefing with your spouse is the absolute worst. Like, bro, you're literally my only friend; stop pissing me off.

[Kazimirol @kazimirol]

https://t.co/DTAN5jyQO0

[isabelle goncalves @srta_roja1]

https://t.co/k54VllV0tu

[Hakan Kapucu @1hakankapucu]

A duck chose a school as home & returns every year to lay her eggs. When they hatch she leads the ducklings through the corridors to the courtyard lake. It’s now an annual ritual with children staying silent out of respect. Respect is beautiful.

[DREAM MILFS @DreamMILFs]

Hump Day 🍑

[Kevin Heintz @AskCoachKev]

I don't care if you're 10, 30, or 70lbs overweight...

Below is the grocery list, meals, and daily routine I'd use to lose it ASAP:

GROCERY LIST:

Proteins:

• Chicken breast
• 93/7 ground beef
• Sirloin steak
• Salmon
• Eggs
• Turkey bacon
• Shrimp
• Greek yogurt
• Cottage cheese
• Whey protein

Carbs:

• White rice
• Sweet potatoes
• Regular potatoes
• Oats
• Low-cal tortillas

Veggies (unlimited):

• Broccoli
• Asparagus
• Peppers
• Spinach
• Green beans

Supplements:

• Creatine
• Magnesium
• Electrolytes

DAILY MEALS (Choose 1 option from each):

Meal 1:

• Greek yogurt + protein shake
• 3 eggs + turkey bacon
• Cottage cheese + Oikos Pro yogurt

Meal 2:

• 8oz chicken + 1 cup rice + broccoli
• 8oz 93/7 beef + sweet potato + veggies
• 8oz salmon + veggies + 1 cup rice

Meal 3:

• 8oz sirloin + potatoes + asparagus
• 8oz chicken + cauliflower rice + peppers
• 8oz shrimp + rice + mixed veggies

DAILY ROUTINE:

• Awake by 5:30am
• Asleep by 10pm
• Zero alcohol
• No eating after 7pm
• 8,000 steps minimum
• Water + electrolytes
• 150g protein daily (no exceptions)
• Intense 45min lift 3-4x per week
• 30 minutes direct sunlight in the am
• Two 30-minute walks outside
• 5g creatine daily (even rest days)
• 400mg magnesium glycinate before bed
• Half your bodyweight in oz's of water (200lbs = 100oz)

Are you a busy professional with Belly Fat?

I'll help you lose it guaranteed or your money back.

Serious about making a change in 2026?

Apply below for my 1 on 1 help:

[Akademiks TV @AkademiksTV]

They showed two guys KISSING while Akademiks was watching the New Year Countdown and it caught him off guard 😭