$ @Quanda021

American Express will triple your credit limit every 6 months for life if you ask $5,000 limit becomes $15,000 in 6 months $15,000 becomes $45,000 in 12 months $45,000 becomes $135,000 in 18 months On a single Amex card. For pressing one button on their website. With no hard credit pull, ever This is the "Amex 3x Credit Limit Increase rule" and almost no Amex cardholder has ever used it Every Amex personal and business credit card allows the cardholder to request a credit limit increase (CLI) every 181 days. The CLI request can be made through the Amex website (under "Account Services" → "Request Credit Limit Increase") or by phone Critical mechanics: The Amex CLI request is a SOFT pull. It does NOT affect your credit score. It does NOT show as an inquiry on your credit report. You can request as many times as you want every 181 days with zero credit consequences The maximum approvable increase per request is 3x your current limit. If you have a $5K limit, you can request up to $15K. If you have $15K, you can request up to $45K. The system caps requests at 3x but does not penalize you for asking for the maximum Each CLI request must be 181 days apart. Day 182 is the next eligible request date Approval criteria: The card must be active for at least 60 days You must have at least one payment cycle of usage history You must not have missed a payment in the last 6 months Your overall Amex relationship (across all cards) must be in good standing Some recent income increase or significant spend pattern increase improves odds The 18-month compound math: Month 0: open Amex Blue Business Plus. Approved for $5,000 limit (typical 720 FICO approval) Month 6: request 3x CLI to $15,000. Approved (typical 80%+ approval rate at this stage) Month 12: request 3x CLI to $45,000. Approved (approval rate drops to 60-70% at this stage, but most cardholders get either full 3x or 2x) Month 18: request 3x CLI to $135,000. Approved (approval rate drops to 40-50%, but partial increases still common) If you have multiple Amex cards (Blue Business Plus, Business Gold, Platinum, Personal Gold) and run the same 3x CLI cycle on each, you can compound aggregate Amex credit from $20K initial approval to $400K+ available across 4-5 cards within 24 months How to maximize approval odds: Use the card heavily before the request. Run $10K-$20K of monthly spend through the card during the 60 days before your CLI request. Amex sees high usage and assumes you need higher capacity Pay statement balances in full every month. Don't carry interest. Amex's underwriting heavily favors high-spend transactor profiles Update your income on file before the request. Amex lets you update reported income in your profile at any time. Update with truthful current income before requesting the CLI. Higher income = higher approved limits Request during business hours (Amex headquarters is in NYC). 10am-2pm EST has the highest approval rates because manual review queues process during peak staff hours The reason this exists: Amex's business model is transaction volume, not interest revenue (they're closer to Visa/Mastercard's economic model than to Chase/Capital One's). They make money on interchange fees every time you swipe. Higher credit limits = more transaction volume = more interchange revenue Approving CLIs aggressively is in Amex's direct financial interest. They WANT to give you a $135K limit because that means you're going to put more spend through their card network and they're going to collect 2.5-3.5% interchange on every transaction For a high-spend cardholder ($200K/yr in business spend), Amex generates $5,000-$7,000/yr in interchange revenue. They don't care if your interest is at 0% (most premium business cards have 0% intro APR anyway). They care about volume The play in production: A client opened Amex Blue Business Plus in October 2023 with $7,000 limit 6 months later: requested 3x CLI to $21K. Approved 12 months later: requested 3x to $63K. Approved 18 months later: requested 3x to $189K. Approved partial increase to $130K In 18 months, his single Amex card limit went from $7K to $130K. Same FICO. No hard pulls. No new applications. Just 3 buttons pressed on the Amex website 181 days apart He also runs the same CLI cycle on Amex Business Gold (currently at $85K from a $5K original approval) and Amex Personal Platinum (currently no preset spending limit, but recent purchase history shows comfortable $60K+ spend authorizations) Total Amex credit available to him across all 3 cards: roughly $275K, all from a starting position of $17K of initial approvals 18 months ago. Same $275K through new applications would have generated 3 hard inquiries and required 3 separate approvals. He just pressed buttons The CLI feature is documented on Amex's website. Their own customer service reps will tell you about it if you ask. It's not secret. It's just buried under 3 menu layers in your account settings and Amex doesn't advertise it because asking customers if they'd like a 3x credit limit increase implies they couldn't have it before, which implies the bank was holding back Most Amex cardholders use their initial credit limit forever. The CLI button stays unclicked. The bank quietly assumes you don't want more credit because you never asked for it link in bio and i'll show you how you can qualify for up to 250k in 0% APR funding (if you have a 700+)

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.

Amazon Prime costs $139/year. Most members use 2 features: free shipping and Prime Video. That's a $139 subscription doing the job of a $5.99 delivery fee. J.P. Morgan estimates the actual value of Prime benefits at approximately $1,430/year more than 10x the membership cost. But most of that value sits unclaimed behind tabs, menus, and pages 200 million members have never opened. And 4 of those benefits expire monthly. If you don't claim them by the end of the month, they're gone. Amazon resets the clock. You paid for them. You lost them. Amazon is counting on you not knowing. Here are the 12 Prime benefits most members have never activated including the 4 that vanish every 30 days 🧵

Lastly, we must recognize how quickly market structure is changing. Micron, $MU, has gone from $60B to $1.3T in just 15 months, with SanDisk, $SNDK, up +5,000%. Volatility always comes with change. Follow us @KobeissiLetter for real time analysis as this develops.

What just happened? In just 27 minutes, the Nasdaq 100 just fell -1,000 points and the S&P 500 erased -$1 TRILLION without any major headlines. The Nasdaq opened +1% higher then fell -3% between 9:30 AM and 9:57 AM ET. What does it all mean? Let us explain. (a thread)

x.com/MvnstarX/statu…

Some guy was riding his motorcycle when out of nowhere a Deer showed up and started beating the living daylights out of him. If this wasn't recorded, no one would believe you 😭

How to achieve any goal (step by step) 🧠🔮

I didn’t realize how good my parents raised me until I got around other people

@Tradesyncer @FundedNext DONE

🚀 $2,500,000 GIVEAWAY 🚀 We teamed up with @FundedNext to celebrate their new FLEX Challenge 🤝 Win 1 of 25x $100K FLEX accounts!! To enter: • Follow @Tradesyncer & @FundedNext • Like & repost • Comment “DONE” ⏳ Winners announced Friday.

JPMorgan hired four autistic employees in 2015 as a small test. Six months later, those four were 48% faster than colleagues who'd been doing the same job for three to ten years. In some roles, they were 90 to 140% more productive. That small test grew into a global program. Today JPMorgan's autism hiring program spans 10 countries and over 70 different job types, with hundreds of people hired through it and 99% staying long-term. Other companies have been doing the same thing, some for longer. SAP (the German business software giant) started even earlier, back in 2013. They now have 215 autistic employees across 15 countries. One of them rebuilt how the company processes its giant credit card statements (think American Express, 20,000 line items per bill). What used to take 2 or 3 days now takes 20 minutes. 94% of these hires stay. EY (the consulting giant) started its own program in 2016, focused on automation and data analysis. The team has grown to over 500 people across 23 offices in 10 countries. EY says the tools they've built have saved or made the company close to $1 billion. 92% retention. Hewlett Packard tried the same idea in Australia, on software testing teams. Same result: 30% more productive than the rest. Microsoft, 10 years into its own program, reports the same kind of gains across its teams. There's a biological reason. Harvard Business Review and JPMorgan's internal data both point to it. Autistic brains tend to use more of their processing power for visual analysis and pattern recognition. Picture spotting one small bug buried inside millions of lines of code. Less mental energy goes to social cues and impulse control. Add hyperfocus, the ability to lock onto one task for hours without losing attention, and you get a brain built for software, fraud detection, and AI. 85% of autistic adults with college degrees can't find a job. The general US rate is 4.3%. A huge pool of qualified people sitting unemployed, while the handful of companies that figured out how to hire them are getting double-digit productivity gains. Palantir's new fellowship lands right in that gap. Pay: $110K to $200K plus stock. Over 2,000 applications came in for the first round, and CEO Alex Karp does the final interviews himself. No formal diagnosis required. Karp's own words: "the neurally divergent (like myself) will disproportionately shape America's future." Reads like marketing copy. 10 years of data from SAP, JPMorgan, Microsoft, EY, and HPE suggest the bigger story is hiring strategy.

Palantir @PalantirTech

3 months ago

Palantir embraces the neurodivergent. Join us.

3K 2K 20K 15.8M 5K

Elon Musk fell into depression as a teenager. Nietzsche made it worse. Then imagination did what analysis couldn’t: It built an $800 billion empire. 6 lessons that will change how you see anxiety: 🧵 1. You need a world bigger than your pain.

How to become so ALIGNED that distractions DISGUST you.

Tony Robbins reveals the three skills he says will make anyone unstoppable in the AI era "The first thing is pattern recognition. If you start recognizing patterns fear disappears. Losers react, leaders anticipate. Anticipation is power" "The second skill is when you learn to use the patterns. The third level skill is pattern creation. That's what you've begun to do. That's what I've begun to do. It's like when you learn to play a piano, most people learn someone else's patterns. But if you do enough, now you get to come out and you start creating things"

Jaynit @jaynitx

3 months ago

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You can take $250K from the banks, buy $250K in gold bars, store them in a private vault, and use the gold as collateral to borrow ANOTHER $200K from a different bank at 4% interest that you use to pay off the original 0% cards You now have $200K in cash, $250K in gold, and your only debt is a 4% collateralized loan against an asset that has gone up every single year for 24 straight years This is how billionaires avoid taxes and it works at any scale Here's the chain: Step 1: Stack $250K in 0% business credit. Standard play. 6 banks, bureau sequenced, 11 days Step 2: Liquidate $242K (after processing fees) into your business checking Step 3: Buy physical gold. Not GLD. Not a gold ETF. Physical gold bars and coins from a dealer like APMEX, JM Bullion, or SD Bullion. At current prices ($2,300/oz) that's roughly 105 ounces. About 6.5 lbs of gold. Fits in a shoebox Ship it to a private vault (Brinks, Loomis, Delaware Depository). Storage cost: $150 to $300/year for this amount. The vault is insured. Your gold sits in an allocated account meaning those specific bars belong to you, not the vault company Step 4: This is the magic part. Take your vault receipt showing $242K in stored gold to a bank or private lender. Apply for a Securities-Based Line of Credit (SBLOC) or a collateralized precious metals loan. Multiple lenders offer this: banks, credit unions, and specialty lenders like Vaulted or BOLD They lend you 70 to 80% of the gold's market value. 75% of $242K = $181,500 Interest rate on a gold-collateralized loan: 3.5 to 5.5% depending on lender and LTV. Call it 4.5% You now have $181,500 in cash from the collateralized loan. Use it to pay off $181,500 of the original credit cards. Remaining credit card balance: $60,500. Pay that off over 6 months from income or savings What you now own: $242K in physical gold (in a vault, appreciating) $181,500 in collateralized debt at 4.5% (interest-only payments available) $0 in credit card debt All original credit lines still open and available Interest-only payment on $181,500 at 4.5%: $680/month "$680/month for what?" For holding $242K in gold that historically appreciates 8 to 12% per year. Gold has had a positive annual return in 20 of the last 24 years. It returned 13% in 2023. 27% in 2024. It's up 23% year-to-date in 2025 If gold returns 10% this year, your $242K in gold becomes $266K. You made $24,200 in appreciation. Your interest cost on the collateralized loan: $8,160/year. Net profit from the spread: $16,040 You're being paid $16K/year to hold gold that the bank's money bought And here's where the tax play comes in. This is the part that makes accountants get emotional You NEVER SELL THE GOLD. If you sell it, you pay capital gains tax (28% on precious metals, the highest rate for any investment asset). Instead you borrow against it. Loans are not taxable income. When you borrow $181K against your gold, the IRS doesn't consider that income. It's debt. Even though you have $181K in cash from the loan, your tax bill: $0 This is the same play billionaires use with stock. Elon Musk doesn't sell Tesla shares and pay 20% capital gains. He borrows against them at 2 to 3% interest from Goldman Sachs. He gets cash. Pays no tax. The shares keep appreciating. He borrows more against the higher value. Repeat forever You're doing the identical play with gold instead of Tesla stock. Bought with bank money instead of PayPal founding shares. At 0% initial cost instead of whatever Elon's cost basis was The perpetual loop: Year 1: Gold at $242K. Borrow $181K at 4.5%. Use cash to pay off credit cards and live Year 2: Gold appreciates to $266K. Refinance the collateralized loan at 75% of new value = $199K. Pay off old loan ($181K). Pocket $18K cash tax-free. New loan interest: $746/month Year 3: Gold at $293K. Refinance again. Pull out more cash. Loan gets larger but so does the collateral Year 5: Gold at $355K. Collateralized loan at $266K. You've pulled out $85K in tax-free cash over 5 years from refinancing against appreciation. Paid $0 in capital gains. Gold is still in the vault. Still yours The $680/month in interest is the only real cost. And it's deductible as investment interest expense if you itemize. At a 37% tax rate that $680/month costs you effectively $428/month after the deduction $428/month for a self-funding gold position that generates $16K+/year in appreciation and unlimited tax-free cash access through collateralized borrowing "What if gold drops?" If gold drops below your loan-to-value threshold the lender issues a margin call. You either deposit more collateral (more gold or cash) or they liquidate enough gold to bring the LTV back in line. At 75% LTV, gold would need to drop 25% before a margin call. Gold hasn't dropped 25% in a calendar year since 2013. And even then it recovered within 18 months The chain again: Chase lends you $250K at 0% You buy gold You borrow against the gold at 4.5% You pay Chase back with the gold loan Chase got $0 in interest The gold lender gets 4.5% (tax deductible for you) The gold appreciates 8 to 12% per year You never sell the gold so you never pay capital gains You borrow against the rising value tax-free Repeat until you die This is how generational wealth works. Not by earning income and paying 37% tax. By acquiring appreciating assets with borrowed money and borrowing against those assets instead of selling them. The tax code was written for this exact behavior the IRS taxes income. the IRS taxes sales. the IRS does not tax loans. borrow against everything. sell nothing. the billionaires figured this out 50 years ago. you can do the same thing with a credit score and 105 ounces of gold in a vault lmfaooo (we get 700+ score business owners $100K-$250K in 0% business funding. what you buy with it and how you structure it is between you and your accountant. link in bio)