Andy Wells (@apwm27) profile picture

Musician learning more and more about crypto, finance and poker.

Joined February 2016
Photo by Andy Wells (@apwm27)Photo by Andy Wells (@apwm27)
Andy Wells retweeted
Advice from the man who is responsible for a state that is: # 1 in homelessness # 1 in fraud # 1 in gas prices # 1 in poverty # 1 in funding for illegal immigrants # 1 in NGOs I’d do the exact opposite of whatever this guy says.
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Andy Wells retweeted
Replying to @lmtobias
Yes, polyester is a plastic (PET) derived from crude oil. It is not typically "coated" in hormone disruptors, but many garments contain residues or finishes (BPA/bisphenols, phthalates, PFAS, antimony) that can act as endocrine disruptors and may migrate via sweat or heat. Most concerning: tight synthetic activewear (polyester-spandex leggings, sports bras, socks), water-repellent items, and heavily finished fast-fashion pieces. Natural fibers like organic cotton, linen, or wool generally pose lower chemical risks.
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Replying to @AlboMP
You know, take the week. Or the month. Scratch that. How about never going on social media again? While you’re at it you could stop trying to censor it. Doing both might help your mental health. I genuinely mean that
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Andy Wells retweeted
Musk ने Ambani को भारत का असली बॉस कहा, फिर Reliance के एक जवाब ने पूरा खेल पलट दिया। Mukesh Ambani और Elon Musk की इस लड़ाई में असली मोड़ किसी ने पकड़ा ही नहीं। Musk ने हफ्ते भर X पर आरोप लगाए कभी प्रधानमंत्री अंबानी कहा कभी भारत का असली बॉस। लोगों ने मान लिया कि Starlink को रोका जा रहा है। फिर शुक्रवार को Reliance ने बयान जारी किया। बयान में Musk का नाम तक नहीं था पर उसकी एक लाइन ने सारा खेल बदल दिया। वो लाइन थी कि..1/2
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Andy Wells retweeted
You can take $250,000 from Chase and Amex at 0% interest, buy $250,000 in physical gold bars, put them in a Brinks vault, and borrow $200,000 against the gold at 4.5% to pay the credit cards back to zero You end up holding a quarter million dollars of gold bought entirely with the bank's money, and the IRS can't tax a single dollar of it This is how billionaires have avoided income taxes for 50 years and it works with a normal 720 credit score Walk through the chain step by step: Step 1: You have a 720+ credit score and an LLC. We sequence applications across 5 to 6 banks (Amex, Chase, US Bank, Wells Fargo, PNC) in the exact bureau order that unlocks $250,000 in 0% APR business credit for 12 to 18 months Step 2: You buy $250,000 worth of 1-ounce physical gold bars from a bullion dealer (APMEX, JM Bullion, or Costco). At $2,700 an ounce, that is about 92 ounces of pure gold, roughly 6 pounds. It fits inside a shoebox. Plus you immediately collect 500,000 credit card points worth $5,000 to $10,000 tax-free just from the swipe Step 3: You ship the bars straight to an insured depository vault (Brinks, Loomis, or Delaware Depository) in an allocated account in your name. Storage costs about $250 a year Step 4: Before your 0% credit card promo window ends, you hand your Brinks vault receipt to a precious-metals collateral lender (or private bank credit line). Because physical gold in a Brinks vault is Tier-1 liquid collateral, they lend you 75% to 80% of the gold's value ($195,000 to $200,000) on a low-interest collateralized line at roughly 4.5% to 5% Step 5: You take that $200,000 wire and pay the 0% credit cards down before the bank ever charges you a penny of 24% credit card interest Now look at what you own: - $250,000 in physical gold sitting in a vault appreciating 10% to 25% a year - All $250,000 of your 0% business credit cards paid back and wide open to use again - Every time the gold goes up in value, you refinance the vault loan, pull the appreciation out in cash, and pay $0.00 in capital gains tax because borrowing against an asset is a loan, and the IRS cannot tax a loan Elon Musk does this with Tesla shares at Goldman Sachs. You can do it with 92 ounces of gold bought on Chase's dime If you have a 700+ credit score and want my team to unlock 150K-250K in 0% business funding for you, book a call using the link in my bio
Readers added context they thought people might want to know
Borrowing only up to 80% of the gold's value cannot repay the full $250k credit card balance as described. Gold loans from major providers are unavailable on newly purchased bullion and carry margin call risks. jmbullion.com/gold-loans/ retipster.com/272-ari-page/
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Wow, wow, wow. I just left the National Press Club where Minister of Communications @AnikaWells spoke. She repeatedly and brazenly lied about the fake accounts, claiming they were only for enforcement, even though the legislation says in black and white that the eSafety Commissioner can use them in unlimited ways for "educational" and "promotional" purposes. One big moment came when a Politico reporter got up and said something about how mean people like @PaulineHansonOz were to eSafety Commissioner Julie Inman-Grant. Seriously. A supposed reporter was white-knighting for a government official during the official Q&A. The same reporter had come up to me before Wells' speech and asked if I had criticized Inman-Grant. Who needs government censors when you have Politico? After he asked his question, Wells showed the most emotion, describing online criticism of Inman-Grant as "abuse." She also talked about her own staff's supposed suffering. I kid you not. The mask dropped, and you could see what really upset her: people — including a sitting Senator — criticizing government officials. After gaslighting the audience about fake accounts, Wells repeatedly insisted the government wasn't trying to censor content. She said this after filling her speech with examples of content she claimed harmed people. You couldn't make it up. This legislation is the culmination of decades of progressives equating words with physical violence. Wells cynically compared her legislation to prevent psychological "harm" to various laws that protect people from physical harm, like seat belt laws. BTW, Wells never said what content it was that she thought caused eating disorders. Pictures of skinny women? Dietary advice? Who knows. Nobody asked. Another important moment came when Wells explicitly said Australia would be pursuing censorship alongside other nations, including the UK, France, and Spain—all countries where governments risk losing power to populists. I spoke with Julie Inman-Grant before the speech began and asked about the fake accounts. She insisted they were there just for enforcement, and when I asked why the law allowed them to be used for government propaganda, she said she might write an "enforcement memo," which, of course, would have no impact on the legislation. After her speech, I went up to Wells and asked if she was seriously saying the legislation didn't allow the government to use fake accounts for government propaganda. She refused to answer. A man who said he was from the National Press Club stepped in front of me and said I could interview her afterward. But that wasn't possible because they rushed her out the back to avoid any difficult questions. So there you have it. The pettiest people in Australia are seeking to silence citizens and their political opponents in the name of protecting children. These deeply intolerant and cynical people want to control what you can see and say online. And they're doing it with most of the media's support. Australia has reached a new low in its rapid descent into dogmatism, intolerance, and censorship.
The government today will introduce sweeping censorship that @AlboMP & @AnikaWells lie about. Below she claims the government wants to create a bot army of fake accounts for “research” when the bill clearly intends for them to be used in partisan warfare against fooled citizens.
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Andy Wells retweeted
Replying to @MarketPalmer_
20: Start investing now in low-cost index funds. Compounding over decades is unmatched. 30: Automate saving 20%+ of income and fight lifestyle creep as earnings rise. 40: Max tax-advantaged accounts in peak years; own assets amid AI job shifts. 50: Clear high-interest debt and tilt toward capital preservation for sequence risk. 60: Keep withdrawals sustainable under 4% and plan for longer lifespans.
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The dark side of prescription drugs.
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WARNING: Labor is moving to phase out cash. Cash still matters. It matters in regional communities, it matters across key industries, and it matters for older Australians who rely on it every day. A cashless society isn’t progress if it leaves people behind. Cash must remain a choice, not something quietly taken away. We should be protecting it, as One Nation is doing, not phasing it out. The Senate will vote on One Nation Senator Malcolm Roberts’ motion on Tuesday. If the motion is successful, the government will be forced back to the drawing board to come up with something that properly protects the right to use cash.
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Bill Maher calls out celebrities for not coming to his show: "I’m not putting them down, but you have to know sh*t [to survive on my show]. And celebrities mostly do not feel the need to know sh*t."
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A Federal Immigration and Customs Enforcement (ICE) agent in Minnesota shot a second person dead yesterday. Most of the debate since then has focused, understandably, on whether the ICE agent acted in what he perceived to be self-defense. Whatever the case, it’s clear that, by encouraging people to interfere in law enforcement operations, the Left is getting people killed. Videos show both victims, Renee Good and Alex Pretti, impeding law enforcement operations, which progressive nonprofits, Democrats, and liberal influencers have been encouraging for months. Good drove her vehicle perpendicular to block traffic while her partner taunted ICE officers. Pretti intervened at least twice, first by waving traffic through on the street and again as an ICE officer sought to subdue another person interfering in the operation, triggering the agent to use pepper spray against him. In saying this, I am not defending the decisions and behaviors of the ICE officers or anyone else. The killings are a tragedy. And there is a worthwhile debate underway over ICE tactics, separate from the specific behaviors of Good and Pretti. We don’t know what was in the minds of Good and Pretti specifically, but Democrats, progressives, and anti-ICE activists have for years called ICE and the Trump administration fascist and compared them to the Nazis. On January 19, Minnesota Governor Tim Walz called ICE “Donald Trump’s modern-day Gestapo.” Last year, in California, Governor Gavin Newsom signed legislation to block ICE from hiding its identities. The Los Angeles mayor called them a “reign of terror.” And a few days ago, the Lieutenant Governor of Minnesota urged citizens to “put your body on the line” to block ICE protests. Walz and other Democrats have blocked state and local law enforcement from working with ICE, which has contributed to increasingly risky behavior by anti-ICE activists like Good and Pretti, and thus growing danger to everyone involved. There were no Minneapolis police visible in the videos of the Good and Pretti deaths. And many of America’s largest progressive cities and states are all openly defiant of federal law, declaring themselves “sanctuaries” that protect illegal migrants from the federal government. California, New York, Colorado, Illinois, Massachusetts, New Jersey, and others are “sanctuary states”. At the same time, New York City, Los Angeles, San Francisco, San Jose, Oakland, San Diego, Sacramento, Seattle, Portland, Chicago, Denver, Minneapolis, St. Paul, Madison, Milwaukee, Boston, Cambridge, Somerville, Philadelphia, Washington, Baltimore, Newark, Jersey City, Austin, Dallas, Houston, Atlanta, Chapel Hill, Durham, Asheville, Tucson, Phoenix, Las Vegas, and Reno, are “sanctuary cities.” The underlying problem is that for decades, schools, Hollywood, and the media have made clear that we should risk and even sacrifice our own lives to stop fascism and Nazism. And yet neither ICE raids nor Trump are fascist, and it is offensive to compare them to the Nazis. The Nazis rounded up Jewish citizens and shipped them to death camps. ICE, by contrast, is detaining foreigners who the government believes committed criminal offenses beyond coming to the US illegally. No nation in the world has allowed more people to enter illegally. Nor has any treated them with greater due process than the US is doing. The American people elected Trump president, like it or not, and the Constitution’s Supremacy Clause in Article VI establishes that federal law prevails over conflicting state or local laws. It ensures the Constitution, federal statutes, and treaties are the “supreme Law of the Land,” binding state courts and governments. The ICE raids may be bad politics, but there is no question that they are constitutional. While some Democrats and progressives know their language is hyperbolic, half of the individuals surveyed told pollsters last year that Trump is a fascist. Such radical beliefs appear to have partly motivated two assassination attempts against Trump and the assassination of Charlie Kirk. While the radical Left has for decades called its political opponents fascists, these views were until recently marginal views, even within the Democratic Party. Moreover, Bill Clinton, Barack Obama, Bernie Sanders, and Hillary Clinton all spoke out against illegal migration until 2016. So what changed? Why did so many Americans come to view a democratically elected president and law enforcement operations as equivalent to fascism? What radicalized the Left? Part of the answer is bad information. Many progressives believe ICE is simply sweeping up hard-working and law-abiding immigrants, and do not know that 64 percent of immigrants detained since Trump took office in January 2025 had criminal convictions or pending charges, in addition to having broken the law by entering and working in the country without a visa. For some, labeling Trump as a fascist was simply a political tactic and not something they believed. But many others believe it, as the polling data shows. Many people, both liberals and conservatives, believe progressives like Good and Pretti are acting out of empathy and sympathy for migrants. But if they are, it is purely ideologically driven, not from any real-world understanding of migrant communities. Few of the white progressives protesting ICE have ever spoken more than a few words to much less gotten to know illegal immigrants, even those who work for them as cleaners, cooks, and gardeners, much less come to understand their lives... teapawt.net/shellenberger/status/2… Please subscribe now to support Public's award-winning investigative journalism, watch the full video, and read the whole article! teapawt.net/shellenberger/status/2…
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Andy Wells retweeted
This 2011 lecture from Jensen Huang at Stanford University will teach you more about business than a 2 year MBA
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Jillian Michaels tells PBD how the Brett Weinstein and Joe Rogan interview changed her whole perception:
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Andy Wells retweeted
Trading Tips Tuesday💡 #LetsGetReal
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BITCOIN JUST HIT A NEW ALL-TIME HIGH! AS PROMISED, I WILL GIVE AWAY $2,000 TO ONE LUCKY FOLLOWER. JUST LIKE, RT & FOLLOW ME! 🚀
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Conspiracy theorists are in the lead.
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Everyone says "do your own research". But nobody talks about what proper due diligence actually looks like. Here's my full DD checklist to help you avoid sh*tty projects in Q4:
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And after the government combines your personal, banking, and voting data under a single digital ID, it will add social media and vaccine information. Same with Real ID in the US. The Censorship Industrial Complex was dress rehearsal for digital ID.
It only took until 4pm for the Govt to say "in time" the mandatory biometric digital ID will be used for renting, benefits, banking, age ID, nurseries, education, even voting.... These uses will not (initially?) be mandatory but likely will be made so after future moral panics
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They’re mad about Jimmy Kimmel being silenced from his show, but OK with Charlie being silenced for life
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