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A short guide to maximising your credit (credit cards, loans)
I must admit I was quite concerned when starting on this aspect of the planning phase. How can I apply for various credit cards if I have spent the last three years writing a book with no steady income whatsoever?
After some research into this issue I concluded that getting normal loans was out of the question as I did not fulfil the minimum required demands (official tax records from previous year indicating a high income, real estate etc). This would be an option for individuals who have real estate or people who can document at least a stable income. Getting credit cards seemed to be the only alternative for me and I would have to be creative as these requirements are also quite strict. I had 60 000 Euro but wanted an additional reserve credit of at least 20 000 Euro as a safety buffer. On May 2009 I started a company and transferred the first “salary to myself” and created documentation on behalf of the company supporting this. My intention was to create the necessary documentation to get at least a minimum of credit.
Step 1 – create a foundation if required: Create a company - transfer funds from your personal account to your business account - transfer the first monthly amount (say 3000 Euro on May 15th) according to the Norwegian system you deduct the tax (35-50%) and vacation funds (aprox 10%) before transferring the rest of the amount (the actual salary) to the individual).
June 15th – transfer second amount
July 15th – third payment
August 15th – fourth payment
You now have supporting data (verifiable bank transactions) to create the required documentation (salary documentation for four months). You’re now ready to start the application process to various companies.
Step 2 - mapping: By now you should have already created an overview of various providers of credit cards in your country. I identified aprox 20 various companies. Identify who these companies are using as their primary bank. F example Bank x might use several different sub companies to market different cards, but they will have the same credit department. Avoid sending multiple applications to the same company (credit department) as this will cause suspicion and may have all your applications rejected.
Out of the 25 different credit cards I managed to trace them back to twelve actual providers.
The problem now was that a great majority of them only had online procedure forms. These online application templates would most certainly result in little success as they use data from last year as the main criteria.
Step 3 – application process:I applied online to twelve and sent physical applications with supporting documentation to four providers.
As anticipated, ten of the online applications were rejected as many of them didn’t even have a comment field. However, all you have to do is contact the credit department of the various companies and forward the supporting documentation.
Overview result: 16 applications sent, 7 decline (even after the supporting documentation was provided) – 9 approved.
Total credit gained (including the credit card I already had): 26 000 Euro.
It was more than I expected to get considering the fact that I had a weak platform to acquire from. This credit will serve as a buffer amount/emergency funds in the later phase of the operation if needed.
A person who can verify a stable salary of f example 70 000 Euro can get up to 240 000 Euro in credit/loans based on this level of salary alone, even more if you have real estate.
As a general rule, aprox 15-50% of operational funds should be credit, not more. This should be used if needed as a last recourse as you only have around 30-60 days before they (the companies) will start to implement various measures to acquire their funds back if you miss payments. You can of course max your limit on the various cards and administrate the payments so that it is somewhat financially synchronised with the final operation date. Also, be sure to double check the legislation concerning credit card debt in your country and ensure that it will not be transferred to your loved ones (wife, kids) in case of death or incarceration.
Estimated funds required for high quality equipment
Armour, weapons and ammo: 7 000 – 30 000 Euro
Explosives materials: 5 000 – 100 000 Euro
Other logistics/transport/lodging: 3 000 – 20 000 Euro
Total amount spent in the planning + creation of book
Aprox 240 000 Euro, 140 000 for the creation of the compendium and approximately 140 000 Euro for the operation.
Avoiding suspicion from relatives, neighbours and friends
Present a ”credible project/alibi” to your friends, co-workers and family. Announce to your closest friends, co-workers and family that you are pursuing a ”project” that can at least partly justify your ”new pattern of activities” (isolation/travel) while in the planning phase.
F example, tell them that you have started to play World of Warcraft or any other online MMO game and that you wish to focus on this for the next months/year. This ”new project” can justify isolation and people will understand somewhat why you are not answering your phone over long periods. Tell them that you are completely hooked on the game (raiding dungeons etc). Emphasise to them that this is a dream you have had since you were a kid. If they stress you, insist and ask them to respect your decision. You will be amazed on how much you can do undetected while blaming this game. If your planning requires you to travel, say that you are visiting one of your WoW friends, or better yet, a girl from your ”guild” (who lives in another country). No further questions will be raised if you present these arguments.
Blaming WoW is also quite strategic due to another factor. It is usually considered ”tabu” or even shameful in our society today to be hooked on an MMO. By revealing ”this secret” to your close ones you are therefore (to them at least) entrusting them with your innermost secret. Usually they will ”contribute” to keeping this secret for you which can be very beneficial. (If people from your ”secondary” social circle ask them they will even usually ”lie” on your behalf (giving you alibi), in order to keep your MMO project a secret.
Avoid exposing your political conviction
Appear politically correct or at least moderate, dress normally. Try to limit your rhetorical activities. Avoid excessive forum posting. Excessive forum activity might get you ”flagged” by your national government.
How to use social taboos to prevent individuals close to you from digging too much or ask too many questions - AND how to easily manipulate them into assisting you in protecting your cover from everyone else without them having the slightest clue what is going on
Using social taboos is an extremely effective method from preventing people who know you well from digging too much or ask too many questions about your activities that weekend or that year. It is also an extremely effective method for manipulating them into protecting your cover.
Long term covers:
· Say you play WoW (World of Warcraft) or another MMO and have developed an addiction for it. Say that are going to play hardcore for the rest of the year and it is no point trying to convince you otherwise. Inform them that you will be busy doing that in the future etc. Tell them that you are ashamed of it and you don’t want to talk any more about it. Make them swear to not tell anyone! (you just effectively prevented any more questions from that person AND made the individual assist you in protecting your cover from everyone else)
· Say you think you are gay and are in the process of discovering your new self and that you don’t want to talk any more about this issue. Tell them that you are ashamed of it and you don’t want to talk any more about it. Make them swear to not tell anyone! (your ego is likely to take a dent unless you are secure in your own heterosexuality, because they will actually believe you are gay. However, it’s an extremely effective strategy for stopping questions and prevent people from digging in your life when you don’t want them to.
Short term covers:
· If you need a credible cover, when going abroad for a weekend etc. and the individuals you are trying to convince are too closely related to you to buy into any BS about a “conference cover etc); say you are going to a massage parlour or brothel abroad. Tell them that you are ashamed of it and you don’t want to talk any more about it. Make them swear to not tell anyone!
These are all cynical and manipulative strategies but extremely effective. Lying to and manipulating other people is generally a bad thing and should be avoided if possible. However, the severity of our operation often requires us to be cynical, manipulative and pragmatical. We don’t have to like it, but we occasionally have to do it.
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