GhostOp_2024

🇷🇺🇺🇸 Al Cremlino è iniziato l'incontro tra il Presidente Putin e gli invitati americani Steve Witkoff e Jared Kushner. Secondo le prime informazioni, Vladimir Putin ha comunicato agli emissari di Donald Trump quanto segue: 1/8

Paying off your mortgage early to "save on interest" is genuinely retarded You hand the bank $100,000 of your life savings, and your required mortgage payment next month drops by $0.00 If you get laid off 6 months later, the bank keeps your $100,000, denies your home equity loan in 10 seconds, and still forecloses on your house if you miss 3 payments: Every middle-class parent in America repeats the exact same lie: "Pay an extra $1,000 a month on your house so you can save on interest and have peace of mind" Look at what actually happens to your money when you do that Suppose you have a 350,000mortgageat4.5%(1,773 a month) and over 7 years you drain $100,000 of your cash to pay the balance down to $200,000 First, sending the bank $100,000 early does NOT reduce your monthly bill. On the 1st of next month, you still owe the exact same $1,773. If you get sick or lose your job and miss 90 days of payments, the bank forecloses on your house just as fast as if you had never sent them a dime Second, you gave the bank expensive today-dollars to avoid paying them back with cheap, inflated future-dollars. And because mortgage interest is tax-deductible, that 4.5% loan was really only costing you ~3.2% after taxes Third, the day an emergency hits (or a business deal pops up) and you ask the bank to let you borrow back $50,000 of the $100,000 you gave them, the bank's computer rejects you in 10 seconds Why? Because banks don't approve home equity loans based on how much equity you have. They approve you based on your current monthly Debt-to-Income (DTI). No W-2 paycheck (or too many CPA tax write-offs) = automatic denial. Your $100,000 is trapped inside your drywall unless you sell your home Rich people never prepay a low-interest mortgage. They do the exact opposite: 1. They keep their $100,000 liquid in 4.5% US Treasury bills (earning $4,500 a year, exempt from state income tax, and 100% accessible in 24 hours without asking a loan officer for permission) 2. While their credit score is 720+ and their income is active, they form an LLC and unlock $150,000 to $250,000 in 0.00% APR commercial credit lines across 4 to 5 banks for 12 to 18 months 3. When they want to buy a cash-flowing business or real estate asset, they spend the bank's 0% money while their own $100,000 stays untouched in their account earning interest Because those 0% lines sit under an EIN, the balance never touches their personal credit report and never puts a second lien on their home Never hand a bank your cash early when the exact same bank will hand you $200,000 of theirs at 0% If you have a 700+ credit score and want my team to build a 150k-250k 0% business credit vault for you, DM me "VAULT" or book a call at the link in my bio

Even if a man is a genius, he's still at risk of making entirely pedestrian, testosterone-induced miscalculations of epic proportions.

Erika Kirk: “It’s the little things. I miss Charlie when I see his hot sauce on the shelf, which is now available at grocery stores everywhere.” It’s an instinct.

Put points on the board? You can't get off the bench, you old, raggedy sack of meat. 😁

So how many rapists DOES Candace Owens have in her circle? “Uncle Russel” was just convicted. We are still waiting on the Tate brothers. She has a framed photo of her with Epstein buddy Steve Bannon hanging up in her home. Who else am I missing?

😂🤣😂🤣😂😂

This year in America 10 million acres burned. Nuclear winter is one of the fucking dumbest fear fables of all time. Since the Chernobyl hoax, the wildlife not only didn’t die, it’s returned to a higher abundance than national parks. Species thought extinct have returned and flourished. Heroshima and Nagasaki have 0 radiation. None. No fallout radiation whatsoever. No crater. No rise in cancer. A higher life expectancy than any American city. There are no nuclear bombs and nuclear power fear is to prop up the petro dollar.

Nothing like hitting the trail for a morning hike before hitting the campaign trail.

The fraudsters always had outsized moral outrage and the most heart-breaking stories that were … totally false

Man, it sucks to have such an amazing joke ready to go but I’m trying to work on acknowledging social tact and standard norms of behavior. But it’s soooooo funny the joke I have about this. Aw man. Btw I doubt the story is even real. He may as well have started the story with “you know how I got these scars…my father was a drunk” he lies about literally everything. But if it is even 10% true I have such a funny joke. I just don’t wanna deal with hypocrite screeching. Maybe I’ll tell it on the stream tomorrow with my sound board.