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大家好，我是肖恩·凯利。
Hey everyone, Sean Kelly here.
今天我们来聊一个关键话题——你的数据。
Let's talk about something crucial, your data.
这些数据现在到处都是，而且随时面临威胁。
It's out there and it's constantly under threat.
传统的工具，早就跟不上需求了。
Traditional tools, they just don't cut it anymore.
它们又慢又复杂，管理起来特别麻烦，尤其出问题的时候。
They're slow, complex and a real hassle to manage especially when things go south.
正因如此，你必须了解一下Cohesity Data Cloud。
That's exactly why you need to know about Cohesity Data Cloud.
这绝对是颠覆性的改变。
It's a game changer.
想象一下，有一个基于人工智能的平台，不仅能保护和保障你的数据安全，还能挖掘出宝贵的信息。
Imagine having an AI powered platform that not only protects and secures your data, but also unlocks valuable insights.
使用 Cohesity，你可以借助前沿的 AI 和自动化技术更快地发现威胁，一旦发生灾难，恢复时间只需几小时，而不是几天。
With Cohesity, you can detect threats faster using cutting edge AI and automation, and if disaster does strike, you're looking at recovery times in hours, not days.
这不仅仅是应对问题，更是构建韧性。
This isn't just about reacting, it's about building resilience.
想提升你的数据管理能力吗？
Interested in stepping up your data game?
前往 cohesity.com/datacloud 了解更多。
Head over to cohesity.com/datacloud.
记住，有了 Cohesity，随时随地都能保障韧性。
Remember with Cohesity, it's resilience everywhere.
我觉得很多人都默默接受了银行的各种收费。
I feel like a lot of people just accepted getting ripped off by their bank.
月费、透支费、ATM 手续费，凭什么你用自己钱还得倒贴钱？
Monthly fees, overdraft fees, ATM fees, like why are you paying money just to use your own money?
正因如此，CHIME 才引起了我的注意。
That's why CHIME caught my attention.
Chime正在改变人们的理财方式，提供完全免费的银行服务，一切以你为中心，而不是银行。
CHIME is changing the way people bank with fee free banking built for you, not the bank.
没有透支费，没有月费，还能免费使用数千台ATM机。
No overdraft fees, no monthly fees, and access to thousands of fee free ATMs.
说实话，这些好处真的多到让人惊喜。
Honestly, the benefits are kinda stacked.
开通直接存款后，Chime用户每年最高可获得150美元的无手续费奖励。
With direct deposit, Chime members can get up to a thousand $150 in annual rewards fee free.
你还能在加油和购物等日常开销上获得5%的现金返还，再加上3.75%的年化收益率，让储蓄增长得更快。
You could get 5% cash back on things you already spend money on, like gas and groceries, plus savings that grow faster with 3.75% APY.
这远超全国平均水平。
That's way above the national average.
他们还推出了‘SpotMe’功能，允许你免费透支最高200美元，而且提供24/7真人客服支持。
They've also got spot me, which lets you overdraft up to $200 fee free and real customer support twenty four seven actual humans.
我年轻的时候要是有这种服务，那可太好了。
My younger self would definitely benefit it from something like this.
Chime 不只是智能银行服务。
Chime is not just smart banking.
它才是最划算的理财方式。
It's the most rewarding way to bank.
加入数百万已经享受免手续费银行服务的用户吧。
Join the millions who are already banking fee free today.
前往 chime.com/dsh 注册。
Head to chime.com/dsh.
就是 chime.com/dsh。
That's chime.com/dsh.
注册只需要
It only takes
几分钟时间。
a few minutes to sign up.
Chime 是一家金融科技公司，不是银行。
Chime is a fintech, not a bank.
MyPay 和 Chime 卡的银行服务由 Chime 的合作银行提供。
Banking services for MyPay and Chime card provided by Chime's bank partners.
可选的产品和服务可能会收取费用。
Optional products and services may have fees or charges.
所列的年化收益率和现金回馈仅适用于 Chime Prime 会员。
Stated annual percentage yield and cashback for Chime Prime only.
无需最低余额。
No minimum balance required.
支票账户排名依据 JD Power 于 2025 年 10 月 20 日发布的调查。
Checking account ranking based on a JD Power survey published 10/20/2025.
如需了解 APY 利率、MyPay、SpotMe 和旅行福利的更多信息，请访问 chime.com/disclosures。
For more information on APY rates, MyPay, SpotMe, and Travel Perks, go to chime.com/disclosures.
在做生意时，我总是努力
In business, I'm always trying to
为客户提供最好的结果
get the best outcome for
最划算的价格。
the best price.
所以这事儿真有点离谱。
So it's kinda crazy.
我好多年没管过我的寿险了。
I haven't looked at my life insurance in years.
我都不清楚现在交的钱是不是合理，保额够不够，毕竟情况早就变了。
I don't even know if what I'm paying is competitive or if I have enough coverage with how things have changed.
所以我才开始了解SelectQuote这个平台。
That's why I started looking into SelectQuote.
四十多年来，他们已经帮超过两百万美国人拿到了七万亿美元的保障。
For over forty years, they've helped more than 2,000,000 Americans secure over $700,000,000,000 in coverage.
他们的模式特别简单。
Their whole model is simple.
他们会帮你比价，找到最适合你需求的保单，既不会多花钱，也不会保得不够。
They shop around to find you the right policy for your specific needs so you're not overpaying or undercover.
他们的持牌顾问只需短短十五分钟就能为您服务。
Their licensed agents work for you in as little as fifteen minutes.
他们会对比多家顶级保险公司的保单，帮您找到符合健康状况和预算的方案，而且完全免费。
They compare policies from top rated carriers to find something that fits your health and your budget, and they do it for free.
不用体检？
No medical exam?
没问题。
No problem.
您最快当天就能获得高达两百万美元的保障，即使有既往病史，他们也有相应的解决方案。
You could get same day coverage up to $2,000,000, and if you've got pre existing conditions, they've got options for that too.
在 selectquote.com/dsh 找到适合您的寿险，节省超过五成保费，现在就去 selectquote.com/dsh 开始吧。
Get the right life insurance for you for less and save more than 50% at selectquote.com/dsh save more than 50% on term life insurance at selectquote.com/dsh today to get started.
就是 selectquote.com/dsh。
That's selectquote.com/dsh.
银行和国税局都是您的朋友。
The bank and the and the IRS is your friend.
如果你在地上捡到一美元，我会拿去交税，因为他们会给你开张收据，让你拿回去给他们的朋友——银行，说：你信我们吧。
If you get a find a dollar on the ground, I would take that and give it to tax because they're gonna give you a receipt to take back to their buddy, the bank, and say, you believe us.
对吧？
Right?
他赚了这些钱，而他们会因为你玩得转，考虑多给你一些。
This is what he made, and they're gonna see about giving you more because they see you playing the game.
好了，各位。
Okay, guys.
德里克又回到节目里了。
Got Derrick back on the show.
上一期做得特别成功。
First one did so well.
能邀请你来，我真的特别荣幸，兄弟。
I was so, honestly honored to have you, man.
上一期我学到了很多。
I learned a lot on that first one.
你才是元老级人物。
You are the OG.
你才是这方面的权威。
You're the king of this stuff.
关于融资这一块。
This funding stuff.
谢谢你，兄弟。
Thank you, brother.
欢迎再次回来。
Thanks for coming back.
谢谢。
Thank you.
谢谢。
Thank you.
谢谢。
Thank you.
是的
Yeah.
能像你这样做的，真没几个人。
There's not a lot of people that can do what you do, man.
很多人懂一点这个，懂一点那个，但我年纪大了，也没指望他们能懂我懂的东西。
Well, you know, a lot of people know some of this, a piece of this, piece of that, but I'm old as dirt, so I don't expect them to know didn't know what I know.
是的
Yeah.
你把这些全都拼起来了。
You pieced it all together, man.
花了很长时间。
It took a long time.
是的
Yeah.
咱们再梳理一下你具体做些什么吧，给第一次看的观众做个说明。
So, let's reiterate what you do, I guess, for people that are watching this for the first time.
你主要是帮人搞到资金。
You basically help people get funding.
对吧？
Right?
是的。
Yeah.
对。
Yeah.
我做的事儿叫Scratch Pubco。
What I do is a Scratch Pubco.
没错。
Mhmm.
我一开始在雷神公司造导弹，后来受了伤。
So, you know, I started out building missiles for Raytheon with Raytheon, and I got hurt.
之后我就对做生意上了瘾。
Then I got a business bug.
我用赔偿金在圣地亚哥开了一家连锁餐厅。
I went and started a restaurant chain of restaurants in San Diego with my settlement money.
后来我又染上了创业的瘾，开了两家汽车经销商，叫Primo和Prime Auto。
And then, I got the business bug, started two car dealerships, Primo and Prime Auto.
我们销售捷豹、奔驰、宝马和宾利，还有一些劳斯莱斯，地点在圣地亚哥米拉马尔路6920号。
We sell Jaguar, Mercedes, BMW, and Bentley, some Rolls Royce in San Diego, 6920 Miramar Miramar Road.
现在还在经营吗？
Still still operating?
是的。
Yeah.
当然了。
Oh, yeah.
对。
Yeah.
我们确实还在经营。
We yeah.
所以我们现在过得还不错。
So we're doing good.
有个人走进了我的餐厅，就像我上次跟你说的，说他赚的钱连零头都算不上。
And, guy walked in my restaurant, as I told you last time and said, I'm making pennies.
我认识他很多年了。
I knew him for years.
是的。
Yeah.
我说，你可是把我的菜全吃光了。
I said, you ate all my food.
现在你倒来数落我？
Now you're gonna come in and insult me.
对吧？
Right?
所以他跟我说，我没在数落你。
So he said, no, I'm not insulting you.
他说：‘那你把钱拿出来给我看看。’
He said, well, show me the dollars.
我说：‘兄弟，你外面那辆可是兰博基尼啊。’
I said, that's a Lamborghini out there, brother.
你看到我住的这些房子了吗？
You see these houses I live in?
他说：‘那你倒是拿出来给我看看啊。’
He said, well, I said, well, show me.
于是他说：‘哦，她带我去了个地方，是个锅炉房。’
So he said, oh, she took me down there, took me to a boiler room.
长话短说，我当时根本不知道自己坐的是什么地方，其实就是个锅炉房。
Make the long story short, I didn't know what I was sitting in, but it was a boiler room.
那里是他们为公司筹钱的地方。
That's where they raise money for, you know, for companies.
对。
Mhmm.
现在还有这种地方，如果你看过电影《热力四射》，里面由文·雷姆斯和本·阿弗莱克主演。
And, they have them today, but they call them if you watch the movie, The Boiler Room, they, with Vin Rains and and, Ben Affleck.
那部电影特别火。
It's a very popular movie.
之后才有了《华尔街》和《华尔街之狼》。
Then after that came Wall Street and then The Wolf of Wall Street.
对。
Mhmm.
但那个才是最初的原型。
But that's the original.
有个叫理查德的人，哦天哪。
A guy named, Richard Richard oh, man.
我一时想不起他名字了。
I forgot his name.
就叫理查德。
It's Richard.
他就是那部电影的原型人物。
He, was the guy that they wrote that movie about.
对。
Yeah.
还有加兹比，理查德·加兹比。
And, Gadsby, Richard Gadsby.
是的。
Mhmm.
他当时负责运营那个资金募集室。
And, he was the guy who was running the boiler room.
现在他们管这叫精品店了。
Now they call them boutiques.
你进去的时候，他给我看了一个年轻人怎么在二十分钟内筹到两千万美元。
So you go in, he showed me where this kid raised $20,000,000 in twenty minutes.
你上一次赚了多少钱？
How much money I make you last money?
你去年赚了多少钱？
How much I make you
先生，你去年赚了多少钱？
last year, mister guy?
我看起来怎么样？
How much I look.
我需要十二万五千股。
I need 125,000 shares.
你知道，我需要你别侮辱我。
You know, I need I don't insult me.
你得让你老婆帮你穿裤子。
You gotta ask your wife to put your pants on.
他对付这家伙，就跟电影里一模一样。
He drilled this guy just like the movie.
现在大多数人看这部电影，是因为觉得是娱乐，一边看一边吃爆米花。
Now most people watch that movie because they think it's entertainment, so they're eating popcorn.
是的
Yeah.
但我想让所有下次看这部电影的人，都拿支笔和纸记下来，因为真正的钱都是在这里赚的。
But I want everybody that's watching your show next time they watch that movie to take a pencil and a pen because that is where the big money is raised.
《热力四射》？
Boiler room?
《热力四射》。
Boiler room.
我还没看过这部。
I haven't seen that one.
我看过《华尔街之狼》。
I've seen Wolf of Wall Street.
哦，对。
Oh, yeah.
那部才是原版，《热力四射》。
That's the original, the boiler room.
他们进去之后，会接触到小投资者、大鳄和机构投资者。
So they go in and, they have guppies, whales, and institutional investors.
你其实可以利用奥巴马时期推出的一项政策。
So you can actually go in something that Obama put in place.
奥巴马。
Obama.
但很多人根本没收到这个消息。
But, we didn't a lot of people didn't get the memo.
85%的人都是普通打工人。
The 85%, they're workers.
但剩下的15%，他们注意到了这些机会。
But the, 15%, they noticed stuff.
是的。
Yeah.
所以奥巴马说，你可以利用一项叫《创业企业融资法案》的政策。
So they can go in Obama says that you can go in and do something called the Jobs Act.
这个
The
《创业法案》能帮助初创企业起步。
Jobs Act is jumpstart our business startups.
为了融资，因为你有这家公司，很多人不知道你其实已经很有钱了。
And, in order to raise funds, because you have this corporation, a lot of people don't know you're already rich.
他们根本不知道这一点。
They don't know that.
对吧？
Right?
这些信息只留给那15%的人。
They save that for the 15%.
其他人都觉得赚钱就得拼命工作。
And everybody else thinks they have to work for the money.
但你其实不用靠打工来赚钱。
But you don't have to work for the money.
事实上，你不该为了钱去工作。
Matter of fact, you should not be working for the money.
你唱歌、跳舞、做营销，是因为你真心喜欢这些事，而不是因为你缺钱。
You're only singing, dance, marketing, whatever you're doing because you love what you're doing, not because you need the money.
那你说，这到底是什么意思？
So you say, well, what do you mean?
您这话是什么意思，怀特黑德先生？
What do you mean, mister
怀特黑德？
Whitehead?
简单来说，有一种东西叫公司。
Simply, there's something that's called a corporation.
它是一种特殊目的的实体。
It's a special purpose entity.
你可以自己去查一查。
You can look that up.
这可不是我瞎编的。
I didn't make it up.
对吧？
Right?
大概三十年前，有人跟我提起这事，我特别惊讶。
And I was shocked when somebody hit me to it, right, about thirty years ago.
是的。
Mhmm.
corporation 就是个法人实体。
And, what that is, a corporation is a person.
对吧？
Right?
之所以叫特殊目的实体，就是专门用来筹钱的。
And they call it a special purpose entity because it's there just to raise money.
是的。
Mhmm.
其他所有公司都不是为了筹钱而设立的。
All the other corporations are not to make to raise money.
对吧？
Right?
有限责任公司。
The LLC.
对吧？
Right?
你有你的有限责任公司。
You got your LLC.
人人都知道这个。
Everyone knows that one.
没错。
That yeah.
那种公司主要是用来持有资产或者提供保护的。
That's for that's for, like, holding things or protecting things.
它的责任是有限的。
It's limited in liability.
但这不是用来筹钱的。
But, that's not for getting money.
它根本不是为了筹钱而设的。
It wasn't made for getting money.
S公司是给投资者用的。
The the s corporation, that's for investors.
LLC更适合做运输这类业务。
LLC is for, like, trucking.
干的是危险活儿。
That's dangerous Dangerous things.
对。
Yes.
或者说是穿透性税务结构。
Or a pass through.
你知道吗，这种结构能帮你避免双重征税。
You know, that's where you pay you know, it helps you with double taxation.
所以S型公司是给投资者用的，他们不想参与你的公司运营。
So the s corporations for investors, they don't wanna be a part of your company.
他们只想投资，不想管别的。
They just wanna invest.
对。
Mhmm.
但有个公司是马斯克、特朗普，还有这儿所有亿万富翁都在用的，那到底是什么结构呢？
But there's one company that Elon Musk has, that, Trump has, that, everybody out here who are billionaires, what did he have?
是C型公司，因为它的责任没有上限。
A C corporation because it's not limited.
这才是关键所在。
So this is the secret.
在C型公司里，公司本身就是个法律主体。
In the C corporation, it is a person.
它是个专门用来筹钱的特殊目的实体。
It is a special purpose entity made for just for getting money.
他们造了这东西，却没告诉我们这些普通人。
That's why they made it, but they didn't tell you and I about it.
对吧？
Right?
没错。
Yeah.
所以他们有这么个东西叫股票。
So they have these things called stock.
只要花一百二十五块，你就能上亚马逊买一套所谓的公司套装。
So for a $125, you can go on, you can go on Amazon and you can get this corporate kit, they call it.
就是那个公司套装。
It's the corporate kit.
你上去买一套公司套装就行。
So you go on, you get the corporate kit.
这套东西卖125美元，里面包含他们所谓的股票文件。
It's a $125 and it has what they call stock in it.
这些就是股票凭证。
These are the stock papers.
接下来才是重头戏。
Now this is the crazy part.
其他国家的情况呢？比如在其他国家，像非洲的村庄那样，也有类似的村落组织。
Other countries, we have something called if your other countries you have things called like, like, like a village, like in Africa, have villages.
在欧洲，他们有村庄。
In Europe, they have villages.
大家都住在城里。
They all live in the city.
他们在村里有村庄和广阔的土地。
They have villages and vast lands in the village.
村里最富有的人就是拥有最多牲畜的人。
And the person that's the richest person in the village is the person that has the most livestock.
家畜。
Livestock.
所以家畜呢，就是你太爷爷当初养了两只鸡。
So livestock is like your great granddaddy put two chickens together.
然后传给了你爷爷。
Now he passed it to daddy.
现在他已经有了一万只鸡。
Now he has 10,000 chickens.
传到你这儿，你就有了五万只鸡、一万匹马，还有一大堆家畜。
Now you passed down to you and you have 50,000 chickens and 10,000 horses and you have a bunch of livestock.
那你就是这地方最富有的人了。
So you're the richest man in the land.
然后你让孩子，不管是女儿还是儿子，嫁给或娶了另一个最富有的家族，家畜就更多了。
And then you have your child, your daughter, your son marry the other richest person, and you have more livestock.
这其实就是全世界的财富模式。
That's wealth around the world.
我们可是地球上最厉害的国家，都说要搞股票，分给老百姓。
Well, we're the baddest country on the planet, and we say we're going to make stock and give it to our citizens.
你根本不用养一千只鸡。
You don't have to raise a thousand chickens.
你也不用拥有牲畜。
You don't have to have livestock.
我们有个东西，网上亚马逊上125美元就能买个公司套装。
We have something in the corporation, the corporate kit for a $125 on Amazon.
对吧？
Right?
事实上，注册一家公司，就会附带股票和股份。
It comes matter of fact, a corporation comes with stock and shares.
股票这东西，就跟以前有牲畜的人分牛羊一样。
Stock is something that you give out like if a person had livestock.
人家问你：你想要我一头牛吗？
It says, you want one of my cows?
给我点钱，让我能发展起来。
Give me some money so I can grow.
这是我的一部分股票，就像牲畜一样。
And here's a piece of my stock, livestock.
你已经很富有了，因为我们提供的股票是免费的，你要多少就有多少。
Well, you're already rich here because we have free stock as much as they want, as much as you ask for.
想象一下，你去欧洲某个地方，问人家：你有多少股票？
Imagine going to some place over in Europe and saying, how much stock do you have?
然后你说：我有上万只鸡。
And you say, I say, I have 10,000 chickens.
我有五万匹马。
I have 50,000 horses.
我说：哦，你真有钱。
I said, oh, you're wealthy.
没错。
That's right.
你有多少资产？
How much stock do you have?
我说，多到用不完。
I says, unlimited.
用不完？
Unlimited?
什么叫用不完？
What do you mean unlimited?
我是美国人，名下有个公司，想拿多少资产就拿多少，这本来就是我的遗产。
Well, I'm from United States Of America, and I have a corporation, And I can ask for as much stock as I want because that's my inheritance.
我绕地球跑了三圈，给军舰和核潜艇装导弹。
I've been around the world three times putting in missiles on ships, nuclear subs.
我还参与建造了爱国者导弹系统。
I helped build a Patriot missile system.
天哪。
Wow.
把那个放到指挥舰‘科罗纳多’号上。
Put that on the command ship, Coronado.
你看我这一身伤疤，都是打仗时留下的。
You know, I got all these scars because I got hurt.
全世界哪儿都做不到这一点，只有美国行。
But there's no place on the planet that you can do this except US.
真的吗？
Really?
当然了。
Definitely.
你还能在哪个国家，拿一张法定货币的信用卡，那根本不是真钱。
Where else can you go in any country and take a credit card that's fiat money, not real money.
你随便在美元上写多少遍你的名字，它也不是你的。
Don't care what you You can write your name on that dollar all you want, but it is not yours.
上面明明白白写着‘美联储美元’。
It says Federal Reserve dollar.
那钱根本不是你的。
It's not your dollar.
他们随时都能收回去。
They can take it back anytime they want.
所以关键是想办法弄到钱，让他们因为你的信用不错，白白给你钱。
So the trick is to get money so they give you free money because you have decent credit.
信用？
Credit?
这根本不用干活。
That's no work.
我的信用还不错。
I got decent credit.
然后你就去申请一堆信用卡和贷款，全都用你的C型公司名义。
And then you go in and get all these credit cards and all these loans for your C corporation.
不是LLC。
Not an LLC.
你看，他们知道你出去后会自己花钱购物。
See, because they know you are going to go out and you're gonna get money personally and go shopping.
所以作为个人，他们不会给你太多钱。
So they don't give you that much money because you're a person.
你受道德法则约束。
You're under moral law.
道德法则。
Moral law.
不可杀人。
Thou shall not kill.
不可做这种事。
Thou shall not do this.
对吧？
Right?
你受道德法则约束。
You're under moral law.
把手放在圣经上。
Put your hand on the Bible.
如果你违反这些法律，就会受到惩罚。
And you have penalties if you break those laws.
但在公司里，他们为那15%的人建立了一套完全不同的体系。
But in the corporation, they made it a whole another system for the 15%.
他们从不公开这些事。
They don't share this.
他们说，我们受的是水法约束，不是我本人，是威利公司。
They say, We're under water law and it's not me, it's Willie Corporation.
我不是在借钱。
I'm not borrowing the money.
是威利在借钱。
Willie's borrowing the money.
你猜怎么着？
And guess what?
威利拥有全部股份。
Willie has all the stock.
威利比地球上任何人都富有，因为他持有股份。
Willie is richer than anybody on the planet because he has stock.
虽然不是牲畜，但确实是股票，而且能换成钱。
It may not be livestock, but it is stock nevertheless, and it's something that you can trade for money.
所以要利用公司，那是海事法，不是道德准则。
So use the corporation, which is underwater law, not moral law.
所以海盗之所以能有流动性和现金，就是这个道理。
So a pirate, that's why you have liquidity and currency, things like that.
海盗可以登船，把你船上所有东西都抢走。
A pirate can go in and take everything you own off your ship in the water.
你猜怎么着？
And guess what?
他们在陆地上没人管得了，因为那地方根本没有监管。
Nobody can do anything to them on land because the regulation is not there.
天啊。
Wow.
这就是海盗这么成功的原因。
That's why pirates are so successful.
可大多数人根本不知道，对吧？
And people don't know that, right?
在海上，那片水域是中立的。
Out in the water is neutral waters.
我想做什么就能做什么。
I can do what I want to do.
真的吗？
Really?
那是一种受海底法律保护的公司结构。
Well, that's a corporation that are underwater law.
天啊。
Wow.
明白了吧？
See?
所以他们才搞出了这个叫C型公司的结构。
So that's why they have built this thing called the C Corp.
把一切都跟它隔开了。
They separated it from everything.
它能出去赚法定货币，因为它算个‘人’。
It can go out and go get the fiat money because it's a person.
你能尝、能摸、能闻、能听、能感受到它。
You taste, touch, smell, and hear and feel for it.
它自己不会走，也听不见、尝不到。
It doesn't walk, it can't hear or taste.
你是个负责人。
You're an officer.
所以作为负责人，你只是帮它走路、说话、尝东西、感受世界。
So as an officer, you just help it walk and talk and taste and feel.
但你并不拥有它，因为它是个法人实体。
But you don't own it because it's a person.
它是个真正的法人。
It's a real person.
所以你可以拥有这样一个法人，并且可以随意处置它。
So with that, you can own a person and you can do whatever you want with that person.
你可以说：你别坐在那个角落了，它也不会跟你顶嘴。
You can say, hey, you get off sitting in that corner and it won't say nothing to you.
你可以把它关起来锁上，它也不会喊叫或反抗。
You can put it in and lock it up and it won't scream or nothing.
所以，C公司，各位。
So C corp, guys.
C型公司。
C corporation.
谁都能注册一个吗？
Can anyone make one?
只要你是美国公民，谁都能申请一个。
Anybody can get one if you're an American citizen.
对。
Okay.
你必须是公民才行。
You have to be a citizen.
所以现在你去办，它就和真人拥有一模一样的东西。
So now you go in, and it has everything that a person has.
这就是怎么把它建立起来的。
That's how you build it.
你是用各种数据点来构建它的。
So you build it with data points.
那这些数据点都包括什么？
So what are the data points?
数据点就是，它得有住的地方，你也得有住的地方。
The data points are going to be, it has a place to stay, you have a place to stay.
展开剩余字幕（还有 480 条）
它有一个电话号码，你也得有一个电话号码。
It has a phone number, you have a phone number.
不能用那种网络电话。
And none of that voice over IP stuff.
你得有个真正的电话号码，对吧？
You need a real phone number, right?
不是谷歌号码，那种都不行。
Not a Google number, any of that stuff.
你得有固定的居住地址。
You have a place to stay.
你不能在家里面做生意，他们会查的。
You can't do business out your home because they will look down.
我以前教过一些人。
I used teach some of these people.
他们会打开谷歌地图看，然后说，这明明是个邮箱之类的。
They will look down on Google Maps and they will say, this is a mailbox, etcetera.
这可不是办公室。
It's not an office.
真的吗？
Wow.
他们还真这么干？
They actually do that?
那当然了。
Of course.
真够呛。
Damn.
他们就是这么做的。
That's what they do.
我把我的……
I put my damn.
我要是早知道我用家里的地址注册了这家公司就好了。
I wish I knew I I made this LLC in my home address.
绝对不行。
Oh, hell no.
那你就是想申请信用卡。
Then you're trying to get credit cards.
你根本不是想搞大钱。
You're not trying to get no big money.
那我得改一下，地址能改吗？
So I gotta change is it possible to change the address?
当然可以。
Heck yeah.
你把地址改了就行。
You change the address.
我可以改成这个。
I could change it to this.
你在这里就能改。
You can change it here.
我就是在这儿办公的。
This is where I work out of.
改成这儿吧。
Change it to here.
你走进去，把门一关，这就是个正经办公室了。
You you walk in there, close the door, and that's a real office.
你可以在里面坐下。
You can sit down in there.
这才是个办公室。
That's an office.
行了。
All right.
你有租赁合同，所以你需要一份租赁合同。
And you have a lease, so you want a lease.
所以有时候，如果你申请的金额比较大，银行可能会说，我们得去实地看看，毕竟金额不小。
So sometimes if you're getting big money, then the bank may say, let's do a site visit because it's big money.
但如果你有租赁合同，很多时候他们就会说，没必要实地考察了。
But if you have a lease, then a lot of times they may say, no need to do a site visit.
我们这儿就有租赁合同。
We got a lease right here.
我们知道这合同是真实存在的。
We know it exists.
明白了吧？
See?
这样就很好了。
Good to know.
所以你需要一些信息点来构建这个人的情况。
So you want data points to build this person.
等把这个人的情况都建起来了——地址、电话，还得有个注册代理人。
And when you get the person built up, address, phone number, and then you have to have a registered agent.
对。
Mhmm.
因为银行才是你真正要争取的对象。
Because a bank is who you're trying to press.
如果他们发现你是新手，就会觉得有风险。
If they don't if if they see that you're a rookie, it's it's risk.
所以他们说不行。
So they say, no.
不行。
No.
不行。
No.
我教大公司的一件事，很多人不明白，就是要尽量选最高的邮政编码。
So one of the things that people don't understand that I teach big companies is you wanna get the highest ZIP code Mhmm.
越高的越好。
That you can get.
是给代理人用的吗？
For the agent?
指的是你的住址。
For for for for your address.
你的住址。
For your address.
明白了。
Got it.
银行不会向那种地方放贷。
Because banks don't lend to the hood.
他们不会向那种地方放贷。
They don't lend to the hood.
风险太高了。
Too risky.
确实风险太高了。
It's too risky.
你猜怎么着？
And guess what?
他们遵循的是道德准则。
They're on the moral law.
所以他们没必要去面对道德问题。
So they don't have to deal with the morals.
我说了，我们不掺和这事。
I said, we don't deal.
这话说得不对。
Oh, that's not right.
我们其实也不确定这到底对不对。
We didn't actually know whether it was right.
哦，你是在谈道德问题。
Oh, you're talking about morality.
银行也好，企业也好，都没有道德可言。
Banks don't corporations don't have morality.
他们也没钱。
They don't have money.
他们根本不在乎道德。
They don't care about morals.
没错。
No.
别谈道德了。
Morals, please.
所以他们的意思是，正因如此才不放贷，你从来没见过牙科诊所或医生诊所，除非是政府办的，因为那些设备要花大钱，根本贷不到设备款。
So they're saying, that's why they don't lend that's why you never see, dentist offices and and and, like, doctor offices unless it's some state ran stuff because you need money for, like, those equipment and you can't get equipment loans.
是的。
Yeah.
他们总是开在条件好的地段。
They're always in nice neighborhoods.
因为他们不向贫民区放贷。
Because they don't lend to the hood.
那些人也需要设备。
Those people need equipment.
所以他们说，行吧，既然你们这地方没人肯贷款，那就干脆别搞这套系统了。
So they said, well, hell, they're gonna lend us in the hood so there's no system.
你得去那些地方。
You're going to the hood.
对吧？
Right?
所以我们想借钱，就得去那些地方。
So as we need money to borrow money for hood.
所以你一定要找尽可能高的邮编区域。
So if you should have always have the highest zip code that you can find.
这样银行一看，住址数据通过了，没问题。
This way the bank says, check data point home, check.
好的。
Okay.
电话号码，也通过了。
Phone number, check.
举个例子，很多人搞错的一点是，现在的银行没有信用记录就不肯贷款。
Let's say for instance, another thing that people screw up on is banks today don't lend unless you have some credit.
想象一下，你带着个人信用报告去申请，大多数人都知道这些机构：艾可飞、益百利、环联。
Imagine going in with your personal, most people know this, Experian, Equifax, TransUnion.
你进去说，我想借十万、一百万，不管多少。
You go in and say, I want to borrow a 100,000, a million dollars, whatever it is.
结果他们说，你的个人信用里连一条信贷记录都没有。
And they say, you don't have any trade lines on your personal.
你觉得他们会给你钱吗？
Do you think they're going give you anything?
不会。
No.
根本不可能。
No.
公司贷款也是同样的道理。
So the same thing with a corp.
这本质上是个个人问题。
It's a person.
所以你得建立企业信用记录，或者让公司已经有信用记录。
So you have to build trade lines or, you have to have trade lines in your corporation.
你至少得有一条，因为他们看个人信用评分时，800分确实很好。
So you should have at least one because they're going at you at 800 is a great credit score personally.
但他们根本不关心你，因为他们知道你一拿到钱就会去购物。
But they're not interested in you because they know you're gonna go out shopping.
他们知道你跑去Kinkos和Turks，买一通，然后回来就没钱了。
They know you're gonna go out to Kinkos and Turks And Kinkos and and then come back and broke.
对吧？
Right?
是的。
Yeah.
所以他们会说，这风险太高了。
So they say, well, we that's a high risk.
我觉得很多人都默默接受了被银行坑钱的事实。
I feel like a lot of people just accepted getting ripped off by their bank.
月费、透支费、ATM使用费，样样都有。
Monthly fees, overdraft fees, ATM fees.
你用自己的钱，凭什么还要倒贴钱？
Like, why are you paying money just to use your own money?
正因如此，我才注意到了CHIME。
That's why CHIME caught my attention.
CHIME正在改变人们的理财方式，提供零费用的银行服务，一切为你着想，而不是为银行牟利。
CHIME is changing the way people bank with fee free banking built for you, not the bank.
没有透支费，没有月费，还能免费使用成千上万个ATM机。
No overdraft fees, no monthly fees, and access to thousands of fee free ATMs.
说实话，它的优势真的挺多的。
Honestly, the benefits are kinda stacked.
只要开通自动入账，CHIME用户每年最高能拿150美元的奖励，完全免费。
With direct deposit, CHIME members can get up to a thousand $150 in annual rewards fee free.
你已经在花的钱，比如加油和买菜，还能拿到5%的现金返还，再加上年化3.75%的高收益储蓄，钱长得更快。
You could get 5% cash back on things you already spend money on, like gas and groceries, plus savings that grow faster with 3.75% APY.
这远远高出全国平均水平。
That's way above the national average.
他们还提供SpotMe功能，允许你免费透支最多200美元，而且全天候都有真人客服支持。
They've also got spot me, which lets you overdraft up to $200 fee free and real customer support twenty four seven actual humans.
我年轻的时候要是有这种服务就好了。
My younger self would definitely benefited from something like this.
Chime不只是智能银行，更是最划算的理财方式。
Chime is not just smart banking, it's the most rewarding way to bank.
立即加入数百万已开始免费银行服务的用户，访问chime.com/bsh。
Join the who are already banking fee free today at the chime.com/bsh.
访问chime.com/bsh。
That's chime.com/bsh.
只需花
It only takes
注册只需几分钟。
a few minutes to sign up.
Chime 是一家金融科技公司，不是银行。
Chime is a fintech, not a bank.
MyPay 和 Chime 卡的银行服务由 Chime 的合作银行提供。
Banking services for MyPay and Chime card provided by Chime's bank partners.
可选的产品和服务可能收取费用。
Optional products and services may have fees or charges.
所列的年化收益率和现金回馈仅适用于 Chime Prime 用户。
Stated annual percentage yield and cashback for Chime Prime only.
无需最低余额。
No minimum balance required.
支票账户排名依据 JD Power 于 2025 年 10 月 20 日发布的调查。
Checking account ranking based on the JD Power survey published 10/20/2025.
如需了解 APY 利率、MyPay、SpotMe 和旅行福利的更多信息，请访问 chime.com/disclosures。
For more information on APY rates, MyPay, SpotMe, and Travel Perks, go to chime.com/disclosures.
你有减重的目标，但真正实现起来却没那么容易。
You've got weight loss goals, but hitting them is another story.
如果你
If you
想知道什么才是真正值得花时间的做法
want to know what's really worth your time
想科学减重，别再瞎猜了，试试HIMSS的减重方案。
when it comes to losing weight, skip the guesswork and get weight loss by HIMSS.
它专为帮你减重并长期维持体重而设计，现在HIMSS还提供价格亲民的FDA批准GLP-1药物，包括Wegovy片剂和Wegovy注射笔，还有实用的生活方式建议陪你一路坚持。
It's designed to support you in losing the weight and keeping it off, and HIMSS now offers access to an affordable range of FDA approved GLP one medications, including the Wegovy pill and the Wegovy pen, plus lifestyle tips to support you along the way.
在HIMSS使用Wegovy，配合饮食和运动，最多能减掉20%以上的体重。
With Wegovy at HIMSS, you can lose up to 20% or more of your body weight when combined with diet and exercise.
它能帮你控制食欲，吃得更少，成功变得触手可及。
It helps you regulate your appetite and eat less, so success is within reach.
而且Wegovy是首款GLP-1口服药片，完全不用打针。
Plus, Wegovy is the first GLP one pill, so there are no needles needed.
准备好实现目标了吗？
Ready to reach your goals?
访问 himss.com/dsh，获取一份量身定制且负担得起的计划，助你成功。
Visit himss.com/dsh to get a personalized affordable plan that gets you.
就是 hims.com/dsh。
That's hims.com/dsh.
himss.com/dsh。
Himss.com/dsh.
HIMSS 的减重方案并非在所有 50 个州都可用。
Weight loss by HIMSS is not available in all 50 states.
Wegovy 是诺和诺德公司的注册商标。如需开始使用并了解更多信息，包括重要的安全提示、临床研究数据和使用限制，请访问相关网站。
Wegovy is the registered trademark of Novo Nordisk AS to get started and learn more, including important safety information, Wegovy clinical study information, and restrictions.
访问 himss.com。
Visit himss.com.
在生意上，我总是努力
In business, I'm always trying
以最优价格获得最佳保障。
to get the best outcome for the best price.
这事儿还真有点让人意外。
So it's kinda crazy.
我好多年没看过我的寿险了。
I haven't looked at my life insurance in years.
我都不清楚现在交的钱是不是划算，保额够不够，毕竟情况变化这么大。
I don't even know if what I'm paying is competitive or if I have enough coverage with how things have changed.
所以我才开始了解SelectQuote。
That's why I started looking into SelectQuote.
四十多年来，他们已帮助超过两百万美国人获得超过七万亿美元的保障。
For over forty years, they've helped more than 2,000,000 Americans secure over $700,000,000,000 in coverage.
他们的模式很简单。
Their whole model is simple.
他们会货比三家，帮你找到最符合你需求的保单，既不会多花钱，也不会保障不足。
They shop around to find you the right policy for your specific needs so you're not overpaying or undercover.
他们的顾问只需十五分钟就能为您服务。
Their agents work for you in as little as fifteen minutes.
他们会对比多家顶级保险公司的方案，帮您找到符合健康状况和预算的保单，而且完全免费。
They compare policies from top rated carriers to find something that fits your health and your budget, and they do it for free.
不用体检？
No medical exam?
没问题。
No problem.
您当天就能获得最高两百万美元的保障，即使有既往病史，他们也有相应的解决方案。
You could get same day coverage up to $2,000,000, and if you've got preexisting conditions, they've got options for that too.
在SelectQuote为您找到更合适的寿险，节省超过五成，访问selectquote.com/dsh。
Get the right life insurance for you for less and save more than 50% at selectquote.com/dsh.
今天就访问selectquote.com/dsh，为定期寿险节省超过五成，立即开始。
Save more than 50 on term life insurance at selectquote.com/dsh today to get started.
就是selectquote.com/dsh。
That's selectquote.com/dsh.
但他们还是会收走那张信用卡。
But they'll take that credit card.
他们会把那栋房子收回去。
They'll take that house back.
他们会把那辆车收回。
They'll take that car back.
但如果是公司出事，他们知道你其实可以脱身，因为这事儿跟你个人没关系。
But when they do in corporations, they know you could wiggle out of that situation because it's not you.
所以他们的要求更严格。
So they're a little more stringent.
要拿到大笔资金，你得满足大约50个数据指标，而个人贷款则要满足100个。
So it's about 50 data points that you have to hit to stay up there to get big money as opposed to a 100 on a person.
他们反而更宽松。
They're more lenient.
大不了就是提高利率，把卡收了，随便怎么处理。
They'll just raise the interest rate, take the cards back, whatever.
所以你得非常谨慎地处理信用账户。
So you wanna be very, very thoughtful about trade lines.
你的个人信用评分是800吗？
You have an 800 credit score?
很好。
Great.
你的公司应该有80分的Paydex评分。
Your corp should have an 80 Paydex.
信用评分呢？
Credit score?
是Paydex评分。
Paydex score.
你的公司应该达到80分的Paydex评分。
You should have an 80 Paydex.
所以每个人都应该去Experian注册一下。
So everybody should go in and they should sign up with Experian.
大多数人一开口就是邓白氏，邓白氏。
Most people say, Dun and Bradstreet, Dun and Bradstreet.
我来给你讲点干货。
Let me give you a little information.
如果你去邓白氏申请，企业信用报告有五个征信机构，不是个人的那三个。
If you go into Dun and Bradstreet, you have five bureaus, not three, on a corporation.
个人征信是环联、益博睿和艾可飞这三家。
Those bureaus on a personal list, TransUnion, Equifax, and Experian.
对。
Mhmm.
企业征信主要是益博睿、邓白氏，还有中小企业金融交易所。
On the business is going to be is going to be Experian, Equifax, Small Business Financial Exchange.
这是银行之间互相共享信息。
That's banks talking to banks.
这涉及UCC1和UCC3登记。
That's UCC one, UCC three.
UCC第一项表明，我们借给你钱，并且我们享有第一顺位权益。
UCC one says we're lending you the money, and we're in first position.
如果有人要从他们那里追讨债务，我们优先拿回我们的钱。
If somebody comes for anything from them, we're getting our money first.
所以他们会到你居住地的县评估办公室登记，声明我们拥有第一顺位。
So they file it in county assessor's office that you live in, and they say, hey, we're in first position.
而UCC第三项，等你还清贷款后，他们会公开 filing，让所有人都知道这笔债已经还清了。
And UCC three, once you pay it off, they file that for all the world to know, hey, they paid it off.
如果我们懂行，就能拿到这家公司，顺便白得所有股份，不过那是后话，眼下我们先要打造一家稳健、有实力的公司，让别人觉得它风险低、专业靠谱。
So if we know what we're doing, we get the corporation, we get all this stock for free, but that's later, we first want to go in and establish a good, nice, juicy company so that they can say, they're low risk, they know what they're doing.
所以现在，你要是去注册一家公司，买下公司套装，拿到政府印章——就像奥巴马用的那样，因为他可是美利坚合众国公司的总裁，或者现在该是特朗普了。
So now, if you go in and you build a corporation, you buy to get the corporation, you get the corporate kit, and you get the government stamp just like Obama has because he's the president of The United States corporation, or actually Trump is now.
所以这个美利坚合众国公司，其实是一家注册在外的公司。
And so The United States Corporation, it is a corporation out
真的吗？
Really?
这是家特拉华州的公司。
It's a corporation out of Delaware.
真的吗？
Wow.
我之前还真不知道。
I didn't know that.
所以你不能投票，因为这是个资本主义社会。
That's why you can't vote because this is a capitalistic society.
我们不是要去效仿别人在做的事。
We're not looking for, we're not going out looking to do what are people doing.
他们又跳又唱，搞表演，干各种活儿。
They dance, they sing, they entertain, they do, all kinds of work.
我们本不该为了钱去工作。
We're not supposed to work for money.
那是给那85%的人准备的。
That's for the 85%.
那15%的人根本不用工作。
The 15%, they don't work.
他们去注册一家公司，然后找银行贷款，因为银行给他们提供了特别优惠的条件。
They go out, they get a corporation, and they go borrow because there's a nice deal that they have with the bank.
谁都可以这么做。
Everybody can do it.
银行借给你一千美元。
The bank lends you a thousand dollars.
你知道吗？银行放贷出去这一千块，账面上就多了整整一万块。
Do you know the bank now has 10,000 on their books because they lent you that money?
十倍的杠杆。
10 to one.
对吧？
Right?
十倍的杠杆。
10 to one.
以前是九比一。
It used to be nine to one.
他们最近改了规则。
They recently changed it.
现在是十比一。
10 to one now.
全靠空手套白狼。
Backed by nothing.
我真希望有一天能拥有一家银行。
I'd love to own a bank one day.
咱们先说说这个。
Well, we let's get to that.
咱们先说说这个。
Let's get to that.
无限银行系统。
Infinite banking.
无限银行。
Infinite banking.
你就是这么做的。
That's what you do.
对吧？
Right?
是的。
Yeah.
所以我们想搞清楚的是，银行到底做什么？
So what we wanna do is is, what does the bank do?
银行借给你一百万美元。
The bank lends you a million dollars.
银行账上现在有了整整一千万。
The bank now has 10,000,000 on their books.
对吧？
Right?
这就叫部分准备金银行体系。
So that's called fractionalized banking.
部分准备金银行体系。
Fractionalized banking.
监管机构会对其进行限制或调整。
Infractions, they limit or level it up.
你猜怎么着？
Well, guess what?
如果你去银行借一百万美元，然后你也可以放贷。
If you go in and you borrow a million dollars from the bank, then you can lend.
你也可以放贷。
You can lend.
这和银行的做法一模一样。
That's the same thing the bank does.
这整套机制到底是为了什么？
What's this whole thing about?
在 seminars 上，我常问台下的人，比如那位穿红衬衫、戴红领带的先生。
Some people say I ask people in the seminars that I do, I say, you, sir, in the red shirt there, in the red tie rather.
您是做什么的？
What do you do?
我说，我卖车。
I a I sell cars.
我们确实有汽车经销商，但用法跟他们完全不一样。
Now we have a car dealership, but we don't use them for the same reasons that they use them for.
对吧？
Right?
明白了。
Okay.
所以我们用它来帮公司建立信用记录。
So we use them to put trade lines on companies.
他说，呃，我就是个汽车经销商。
So he says, I I you know, I'm a car dealer.
我问他，你是做什么的？
I says, what do you do?
我开卡车的。
I drive truck.
对。
Mhmm.
所以你一整天到处跑。
So you bounce around all day.
是吧？
Right?
他说，是啊。
He says, yes.
我问他，那你为啥干这个？
I says, why are you doing all that?
他会说，你知道的，就是因为我喜欢。
And he'll say, you know, be because I love it.
首先，你不可能爱上一个不会爱你的东西。
Well, first of all, you don't fall in love with something that can't love you.
生意是不会爱你的。
A business can't love you.
那你又怎么可能会像爱猫、爱狗、爱一个人那样，去好好爱它呢？
So how are you gonna love so good for you to love a cat, a dog, a person?
因为它们能给予同情和关怀。
Because they can compassion.
这就是它的意思。
That's what that means.
你不可能爱上一个生意。
You can't love a business.
这个道理是我从一位来自圣地亚哥的超级富豪约翰·诺布尔那里学到的。
And I was taught that by a very, very wealthy multi billionaire named John Noble out of San Diego.
我很幸运，能和很多了不起的人交往，他们教会了我很多，所以我才愿意把这些分享出来。
I've been very, very privileged to hang around people and and and, they teach me, so that's why I teach a lot of it.
但你不能爱上一个企业，而我们本身就是资本家。
But, you don't fall in love with the business, and we are capitalists.
我们生活在一个追求金钱的资本主义社会里。
We live in a capitalistic society looking for money.
我问他，你到底想追求什么？
I says, what are you why you what are looking for?
你到底想追求什么？
What are you looking for?
他说，我想开卡车，这样就能再买一辆卡车。
He says, I'm looking to drive trucks so I can buy another truck.
我说，停一下。
I said, stop.
停一下。
Stop.
停一下。
Stop.
别说了。
Stop.
你为什么要这么做？
Why are you doing that?
他感到困惑，因为我们一直被灌输15%这个概念。
And he confused because we've been taught the 15%.
别再教我们这些了。
Don't teach us this.
我们一直被教导要
We've been taught to
用时间换钱。
trade our time for money.
就是这样。
There you go.
所以过了一阵子，我就问他：听着，你到底为什么这么做？
So after a while, I say, listen, why are you doing this?
然后有个人终于明白了。
Then somebody gets it.
对吧？
Right?
有位女士或者其他人明白了，说是为了赚钱。
Some lady or somebody gets it and says, to make money.
然后我就对他们说，你们永远赚不到钱。
And then I say to them, I says, you will never make money.
这里没人能赚到钱。
Nobody in here will ever make money.
他们都说：可我们是花钱来这里的啊。
And they all say, well, we paid to come in here.
什么？
Oh, what?
就像黑帮一样。
Like the mob.
我说，等等。
I said, hold on.
等等。
Hold on.
等等，弗兰肯斯坦。
Hold on, Frankenstein.
他们说，我的意思是，真正能赚钱的只有财政部。
They say, what I mean is the only people the only one that can make money is the Treasury Department.
所以我们得用对的说法。
So let's use the right language.
你永远赚不到钱。
You will never make money.
你只是想弄到钱。
You're trying to get money.
你是在想办法筹钱、搞资本。
You're trying to capitalize, get capital.
就像总统住在国会山，国会和参议院也都在国会山工作。
Just like the president lives on Capitol Hill, the congress and the senate, they work on Capitol Hill.
总统住在首都，是因为他们是资本家。
The president lives in the capital because they're capitalists.
这想法可真新鲜。
What a novel idea.
美利坚合众国，不是指美洲的美利坚合众国，也不是北美的美利坚合众国，而是指位于北美的美利坚合众国，对吧？它就叫美利坚合众国。
And The United States, not The United States in America, not The United States in America, in North America, but The United States in North America, right, is called The United States Of America.
那是一个公司。
That's a corporation.
明白吗？
Alright?
他们有个总统、一个副总统，还有一个秘书长。
And they have a president, a vice president, and a secretary.
所以当你创办公司的时候，有多少人会在自己的公司里只安排一个人？
So when you're building your company, how many people have one person on your corporation?
大多数人都是这样，对吧？
Most of them, right?
大多数人都是这样。
Most people.
你看起来像个新手。
And you look like a rookie.
明白吗？
Alright?
为什么？
Why?
比如我第一家餐厅的时候。
Because I'm my first restaurant, for example.
我就在那儿。
I was in there.
我亲自开门迎宾，招呼客人来‘全式鱼和薯条’。
I'd open the front doors and welcome to Whole Style Fish and Chips on the greeter.
对。
Mhmm.
然后我就跑到柜台后面。
Then I run behind the counter.
您想吃点什么？
What would you like?
我们有红鳕鱼、狭鳕和虾。
I got red snap, I got pollock, I got shrimp.
您想吃点什么？
What would you like?
来份鱼排。
Fish platter.
您的座位就在这儿。
And now your seat will be right here.
那就是我。
It was me.
然后我去把他们领到座位上。
And then I run and seat them.
但我跟他们说，服务员马上就来。
But I said, your waiter will be right here in a minute.
接着我端着东西走回来，跟他们说：今天由我来为您服务。
And then I come back with the thing on my arm and, you know, and I'll be your your your waiter today.
他们就说：你不是刚才那个人吗？
They're like, ain't you the same guy?
是啊。
Yes.
今天由我来为您服务。
I'll be your waiter today.
真是实话，上帝作证。
True story, god says.
先生，不好意思。
Sir, excuse me.
是的。
Yes.
洗手间淹水了。
The bathroom's over flooded.
我说，我马上叫维修人员来。
I said, I'll send the maintenance man.
别担心这个。
Don't worry about it.
我穿着靴子和手套出来，亲自去当维修工。
And I come out with my boots and gloves on and I go down the maintenance man.
当你公司只有一个人的时候，银行眼里的你就是这样。
That's what you look like to the bank when you have one person on your corporation.
你啥活都得干。
You're mister everything.
你什么事都亲力亲为，还怎么把事情做完？
So how can you get anything done with you doing everything?
所以我跟你说这些，是因为大多数人就一个人撑着整个公司。
So the reason I told you that is because most people have one person.
你应该像美国那样，设个总统，你就是你公司的总裁。
You should have a president just like The United States Of America, you're the president of your company.
你应该有总裁、副总裁，还有秘书。
You should have a president, a vice president, and a secretary.
秘书知道所有事情的底细。
The secretary knows where all the bodies are.
这是个非常关键的职位。
A very important position.
国务卿、商务部长、国防部长，这些职位都特别重要。
The secretary of state, the secretary of commerce, the secretary of war, very important.
对。
Mhmm.
而总裁的职责就是去搞钱。
And the president is out to get money.
这就是总统的职责。
That's the job of a president.
不是去干活的。
Not working.
不是去干活的。
Not working.
副总统呢，总统不在的时候，他来处理账务和各种事务。
And the vice president does the bill, does the things when the president isn't around.
所以你的任务是确保公司里有这三个人，关键岗位要配齐。
So your job is to go in and make sure you have three people in your corporation, data points.
确保你有办公地址。
Make sure you have an address.
确保你有联系电话。
Make sure you have a phone number.
确保你有注册代理人。
Make sure that you have a registered agent.
有多少人给自己设了注册代理人，或者干脆一个都没有？
How many people have a registered agent for themselves or none at all?
你看起来特别傻，因为人家说了，如果注册代理人是独立的个人、独立的实体或独立的公司，那这个人就是专门帮你收重要邮件的。
You look really, really silly because they say if a registered agent is a separate individual, separate thing, a separate business, that person is there so that you can get your important mail.
要是连个能帮你代收邮件的独立人都没有，人家就会觉得你太外行了。
And if you don't have anybody separate from you to get that mailed to you, they say, You're a rookie.
所以你就拿不到钱。
So you're not getting the money.
不然你就只能拿到那种微薄的起步资金了。
Or you're going to get baby money.
所以核心思路就是要搞清楚这些关键数据点。
So the whole idea is to understand the data points.
就像我刚才说的，去查邓白氏，然后去爱信诺、益博睿、小企业金融交易所，还有邓白氏和PayNet。
And like I was saying earlier, Dun and Bradstreet, let's go get Dun and Bradstreet, Dun and Bradstreet to Experian, Equifax, Small Business Financial Exchange, Dun and Bradstreet, and Pay Net.
这其实是五大机构，不是三个。
Those are the five bureaus, not three.
这是一个具体的人。
It's a person.
所以如果你要去申请公司用车或设备贷款，比如你所有的那些设备，你就得去建立你的Paydex记录。
So if you go in and you want, let's say, some, some cars or equipment loans for your company, like all this equipment that you have, you have to go in and you have to build up your pay net.
我们从来不去了解这些东西，结果就是想争取自己需要的东西时处处碰壁。
See, we never go in and understand this stuff so we have a problem going after what we want and what we need.
所以他们会帮你建立Paydex记录。
So they're going to build up your pay net.
Paydex就是指设备贷款、麦克风、牵引车、重型机械、汽车这些。
The pay net is like equipment loans, microphones, tractor trailers, heavy equipment, cars, whatever.
就这些。
That's it.
这叫Paydex。
That's Paydex.
如果你想申请商户账户呢？
What if you wanna go get merchant accounts?
这些是 Euroline 和 Quills，网上教你的那些东西。
Those are Euroline and Quills that they teach you online.
他们根本不是银行家。
They're not bankers.
所以他们才跟你说这些。
That's why they're telling you this stuff.
如果你要去申请 Dun and Bradstreet 的信用卡，那得先...
So if you go in to Those are Dun and Bradstreet cards.
他们叫你得先积累你的 Dun and Bradstreet 信用记录。
Those are what they call You have to bill up your Dun and Bradstreet.
这些就是所谓的商户账户，三十天、六十天、九十天的账期账户。
Those are what you call merchant accounts, thirty, sixty, ninety day merchant accounts.
但我问你一个问题。
But let me ask you this.
谁会因为你有个五十美元的 Quill 就给你一百万、两百万，甚至一千万？
Who is going to give you 100, 200, $1,000,000 because you got a $50 quill?
没人会。
Nobody.
没人会。
Nobody.
对吧？
Right?
所以这跟钱没关系。
So that's not for money.
这指的是那种Quill或者家得宝的卡，不是用来花钱的卡。
That's for like those Quill or Home Depot cards, cards you don't use for money.
但即便如此，你可能还是需要这些卡。
But nevertheless, you may need those.
也许你是个承包商。
Maybe you're a builder.
那就去拿你需要的、你想要的，只是不清楚具体该去哪儿找。
So get what you need, what you want, don't know where to go for what you want specifically.
但一开始，我们想要的是钱。
But in the beginning, we want money.
我们不想开卡车，不想做头发，也不想做美甲，我们就是要钱。
We're not looking to drive truck, we're not looking to do hair, we're not looking to do nails, we want money.
要弄到钱，先注册一家公司，好好建起来，然后我们去申请——不是邓白氏，是小企业金融交易所。
So to get money, get your corporation, you build it properly and we go in, not Dun and Bradstreet, we go into Small Business Financial Exchange.
小企业金融交易所是申请分期信贷的地方。
Small Business Financial Exchange is where you get the installment lines.
比如他们给你批十万，你按期还款，有固定期限。
Like maybe they give you a 100,000, you pay it down rate and term.
那利率是多少？期限多长？
So how much is the interest rate and what's the term?
你还清了，这笔账就结了。
You pay it down and you're done.
这叫分期信贷。
That's an installment line.
银行能给你的最好的方式，就是这种分期贷款。
And that is the best you can get from a bank is an installment line.
所以我们想要的，就是钱。
So that's what we want, money.
我们要建立的是中小企业金融交易所的信用记录。
So we build up our Small Business Financial Exchange.
不是邓白氏。
Not Dun and Bradstreet.
我们要的是钱，不是商户账户。
We want money, not merchant accounts.
没错。
Yeah.
接下来是益博睿和艾奎法克斯。
So the next thing is Experian and Equifax.
在那里你能获得循环信贷，用完了还，还完了再用，反复循环。
That's where you get your revolving lines of credit like you pay it, you pay it, you get the money, you pay it down, and then you do it again.
循环使用，还一点，再用一次。
Revolving, you pay it down, you do it again.
循环信贷，信用卡就是这么回事。
Revolving lines of credit, revolving credit card.
这些信息主要来自益博睿和艾可飞，但真正做高额度交易的人根本不会找益博睿。
That's going to be Experian and Equifax, but nobody highly trade goes to Experian.
我的意思是，根本没人这么做。
I mean, they not anybody.
大多数人也不会去艾可飞。
Most people don't go to Equifax.
他们都会选益博睿。
They go to Experian.
是的。
Yeah.
没错。
True.
好的。
Okay.
所以我们现在主要关注的，就是循环信用、Experian 和小企业金融交易所，也就是信贷额度。
So the only things we the ones we're worrying about is revolving Experian and Small Business Financial Exchange, and that is, lines of credit.
这俩是我们最关心的。
So those are the two we're concerned with.
如果你注册了 Experian 企业信用服务，它基本上会直接显示你的循环信用记录和小企业金融交易所的信息。
Now if you sign up with Experian Business Credit, Experian Business Credit is going to pretty much show you your revolving Experian and your Small Business Financial Exchange.
不过大多数人还是会选择邓白氏。
Now most people sign up with Dun and Bradstreet.
邓白氏可能会让你填一堆资料。
Dun and Bradstreet may ask you to load up information.
他们总是要越来越多的信息，而且这公司存在很久了。
They want more and more information and they've been around forever.
所以你把资料填给邓白氏后，他们未必会很快帮你同步到其他征信机构。
So you load your information up with Dun and Bradstreet, they may not push you that fast through all the other bureaus.
明白吗？
Okay?
如果他们回头再要你提供更多信息，而你没给，那你的记录就会显示你未提供信息。
And if they turn around and ask you for more information and you don't provide it, you will be in that system that did not provide it.
真糟心。
Damn.
懂了吧？
See?
但如果你通过Experian注册，他们会帮你快速同步到所有其他征信机构，一般不会再找你要额外信息，除非你自己想主动上传。
But if you load up with Experian, Experian will push you fast through all the other bureaus and they usually won't ask you for any more information unless you just wanna upload it.
所以我们建议花189美元注册Experian商业服务，让他们帮你打通五个征信机构。
So we wanna go pay a $189 to Experian business and let them push you through all the five bureaus.
这才是拿钱的正路。
That's how you get the money.
这个
That
这些建议真的非常实用，各位。
is really good advice right there, guys.
天哪。
Holy crap.
这就是赚钱的方法。
That's how you get the money.
现在说说数据点，有些人可能会问，这到底该怎么操作？
Now the data points, some people say, well, how do we do this?
他漏掉了一些细节。
He left some things out.
明白了。
Okay.
先注册一家公司。
You get yourself your your corporation.
公司应该能为你提供保护。
The corporation should protect you.
所以我们管这个叫七结构。
So we call that the seven structure.
就像数字七那样。
And it's like a seven.
就是数字七的样子。
You know, like a seven.
对，就是数字七。
Yeah, the number.
数字七。
The number seven.
在七的拐角处是你的C型公司，也就是母体公司，因为它像妈妈一样撑着整个结构。
In the corner of the seven is your C corporation, the mama corp because it's built like a mama.
明白吗？
Right?
这个母体公司就是用来赚钱的。
So the mama corp is just for getting money.
它是个特殊目的实体，但没人告诉我们这一点。
It's a special purpose entity, but they don't tell us that.
所以我们才搞得这么乱。
So that's why we're all over the place.
对吧？
Right?
C公司放在角落里，而且你根本没必要给它起个具体名字，因为
So the c corp is in the corner, and you should never have any specific name because
我觉得很多人都默认被银行坑了。
I feel like a lot of people just accepted getting ripped off by their bank.
月费、透支费、ATM手续费，样样都有。
Monthly fees, overdraft fees, ATM fees.
凭什么你用自己钱还得付钱？
Like, why are you paying money just to use your own money?
正因如此，我才会注意到CHIME。
That's why CHIME caught my attention.
CHIME正在改变人们的 banking 方式，提供完全免费、专为用户设计的银行服务，而不是为银行自己服务。
CHIME is changing the way people bank with fee free banking built for you, not the bank.
没有透支费，没有月费，还能免费使用成千上万台 ATM 机。
No overdraft fees, no monthly fees, and access to thousands of fee free ATMs.
说实话，这些好处真的多到让人惊喜。
Honestly, the benefits are kinda stacked.
开通直接入账后，CHIME 用户每年最高能拿 150 美元的奖励，而且完全免费。
With direct deposit, CHIME members can get up to a thousand $150 in annual rewards fee free.
你平时买油、买菜这些开销，还能拿 5% 的现金返还，再加上 3.75% 的年化收益率，储蓄增长更快。
You could get 5% cash back on things you already spend money on, like gas and groceries, plus savings that grow faster with 3.75% APY.
这可比全国平均水平高多了。
That's way above the national average.
他们还推出了 Spot Me 功能，允许你免费透支最多 200 美元，而且 24/7 都有真人客服随时帮你解决问题。
They've also got spot me, which lets you overdraft up to $200 fee free and real customer support twenty four seven actual humans.
我年轻的时候要是有这种服务，真能省不少麻烦。
My younger self would definitely benefited from something like this.
Chime 不只是智能银行服务。
Chime is not just smart banking.
它是你赚钱最多的 banking 方式。
It's the most rewarding way to bank.
立即加入数百万已开始免费使用 Chime 的用户，访问 chime.com/dsh。
Join the millions who are already banking fee free today at the chime.com/dsh.
就是 chime.com/dsh。
That's chime.com/dsh.
注册只需要
It only takes
几分钟时间。
a few minutes to sign up.
Chime 是一家金融科技公司，不是银行。
Chime is a fintech, not a bank.
MyPay 和 Chime 卡的银行服务由 Chime 的合作银行提供。
Banking services for MyPay and Chime card provided by Chime's bank partners.
可选的产品和服务可能收取费用。
Optional products and services may have fees or charges.
所列的年化收益率和现金回馈仅适用于Chime Prime用户。
Stated annual percentage yield and cash back for Chime Prime only.
无需最低余额。
No minimum balance required.
支票账户排名基于JD Power于2025年10月20日发布的调查。
Checking account ranking based on a JD Power survey published 10/20/2025.
如需了解APY利率、MyPay和旅行福利的更多信息。
For more information on APY rates, MyPay, and travel perks.
请访问chime.com/disclosures。
To chime.com/disclosures.
你有减重的目标，但真正实现起来却没那么简单。
You've got weight loss goals, but hitting them is another story.
如果你想要
If you want
想知道哪些事真正值得你花时间
to know what's really worth your time
减重方面，别再猜来猜去，直接用HIMSS实现科学减重。
when it comes to losing weight, skip the guesswork and get weight loss by HIMSS.
它专为帮你减掉体重并长期保持而设计。现在HIMSS还提供价格亲民的FDA批准GLP-1药物，包括Wegovy片剂和Wegovy注射笔，还有配套的生活方式建议助你一路坚持。
It's designed to support you in losing the weight and keeping it off, And HIMSS now offers access to an affordable range of FDA approved GLP one medications, including the Wegovy pill and the Wegovy pen, plus lifestyle tips to support you along the way.
在HIMSS使用Wegovy，配合饮食和运动，最多能减掉20%甚至更多的体重。
With Wegovy at HIMSS, you can lose up 20 to percent or more of your body weight when combined with diet and exercise.
它能帮你控制食欲，减少进食量，成功变得触手可及。
It helps you regulate your appetite and eat less, so success is within reach.
而且Wegovy是首款GLP-1口服药片，完全不需要打针。
Plus, Wegovy is the first GLP one pill, so there are no needles needed.
准备好实现你的目标了吗？
Ready to reach your goals?
前往himss.comdsh，获取一份量身定制、负担得起的计划，助你顺利起步。
Visit himss.comdsh to get a personalized affordable plan that gets you.
就是 hims.com/dsh。
That's hims.com/dsh.
hims.com 斜杠 DSH。
HIMSS dot com slash DSH.
HIMSS 的减重服务并非在所有 50 个州都可用。
Weight loss by HIMSS is not available in all 50 states.
Wegovy 是诺和诺德公司的注册商标。如需开始使用并了解更多信息，包括重要的安全提示、临床研究数据和使用限制，请访问相关网站。
Wegovy is the registered trademark of Novo Nordisk AS to get started and learn more, including important safety information, Wegovy clinical study information, restrictions.
请访问 himss.com。
Visit himss.com.
在做生意时，我总在想
In business, I'm always trying
怎么用最划算的价格拿到最好的结果。
to get the best outcome for the best price.
这说起来真有点不可思议。
So it's kinda crazy.
我好多年都没看过我的人寿保险了。
I haven't looked at my life insurance in years.
我根本不知道现在交的保费是不是划算，也不知道保额够不够，毕竟情况早就变了。
I don't even know if what I'm paying is competitive or if I have enough coverage with how things have changed.
所以我开始了解SelectQuote这个平台。
That's why I started looking into SelectQuote.
四十多年来，他们已经帮助超过两百万美国人获得了超过七万亿美元的保障。
For over forty years, they've helped more than 2,000,000 Americans secure over $700,000,000,000 in coverage.
他们的模式非常简单。
Their whole model is simple.
他们会帮你货比三家，找到最符合你需求的保单，避免多花钱或保障不足。
They shop around to find you the right policy for your specific needs so you're not overpaying or undercover.
他们的持牌顾问最快十五分钟就能为你服务。
Their licensed agents work for you in as little as fifteen minutes.
他们会对比多家顶级保险公司的产品，帮你挑一个既匹配健康状况、又符合预算的方案，而且完全免费。
They compare policies from top rated carriers to find something that fits your health and your budget, and they do it for free.
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