3 Burst results for "Doctor Bills Hospital"
"doctor bills hospital" Discussed on Power 105.1 FM
"DJ envy Angela yee Charlamagne the guy we are the breakfast club yes a special guest in the building today a lot of people ask so many questions about real estate we do the seminar so much so I know lot of times people can't make it to the Seminoles won this other things to do so I want to have a a conversation on it will be break down a lot of the stuff that he and I can also see that will be joining us the second actually do so are we have a couple of people here I'll start with the credit guy Jose wanted to some of your name and your business yes I don't everybody Jose Rodriguez the credit dude I own clean say credit solutions in New Jersey okay then we have the the mortgage guy the money back yes Sir come on in the information Matt garland on the may be on compliance in the last number five eight seven zero zero better known as Angie to mortgage guy okay and we also have Sabine here this being is an attorney value when I tell them some information as well good morning everyone my name is Sabine Franco I am an attorney in the state of New York and New Jersey and my company's called Frankel offer okay so the way we do our seminars in a way we talk about real estate either season. the slide over. and the chair right here. he's on his way of me I went out before we got a. to make sure. second so we talk about real estate we always talk talk first with credit and even we first I work in a I know my could we shot right how is your credit my credit was fine. it was shot is what it is so bad you know what it was I think was maybe school loans it was you know it was it was doctor bills hospital bills I just didn't get the my god I'm late it was always a lot of money and I want to pay them so you can't just do that I figured that out yeah my. could it was cool because I had paid off my student loans and I did direct deposit direct payments so that was always on time and you know I have my car that I was doing my payments on and just things like that and I always wish or to even if I didn't have the money to pay something off the fall I always made payments right talk to people you cannot communicate does not pay something correct and that's what I do so the first thing I wanted to write well. now what's a good credit score and how do you keep your credit score high yeah so what's crazy is when they say what's a good credit score action depends on what you're buying because you know if you want to buy a house you can get one as low as five eighty which you don't want to have that score anything over seven hundred you're good you're gonna get and put in a position where you can pretty much get approved at the lowest interest rate but they won't really be any problems with you were there like all you have a six eighty well guess what we also need a cosigner all you have you have a six eight six twenty we need five thousand dollars that's a down so you have a seven hundred I say you're you're good you know I mean and and what a way to keep the high credit score is he bounces low that's why the biggest thing in lye Angela said is just make sure you pace of on time a lot of people forget all twenty five dollar bill and I get a lot of classic offer that to Peter twenty finally happened one credit card and that's probably the biggest thing why have claimed to have like a five thousand dollar payment but the people have the twenty five dollar payment they forget to just put it on auto pay and just always pay more than what you can cause majority clients that I have their credit scores a low because of their debt which means that the amount of balance as they have on their credit cards I live in ratio to their credit limits limit is ten thousand dollars but it's up to nine thousand that's right that's bad yeah yeah and I I always have to keep a ten percent a lot of people say thirty percent credit limit ratio I always say ten percent on there because you can get put in the best position possible to have the highest credit score so how do you get your credit score up let's say you know somebody out there listening right now they have a five fifteen or I have a six hundred what's the fastest quickest way to get their credit score up parts on a fast thing is when you look at it a lot of people use credit karma I wouldn't advocate for that I will probably try to get a mortgage report or try a crippled has all three because all the reports are sent different which is crazy I I don't know why there's three credit bureaus will look at your credit reports he does anything inaccurate but then also pay everything down I mean a lot of people don't have credit that's why they have a low credit score have at least five accounts I would say have a least five crowns when there is a mortgage on auto loans credit cards he bounces down and that's pretty much it and if you have those collections light and he had. you don't just have to go to collections ever now the thing is if you have a medical bill pay twenty five dollars a month and it prevents it from going on your credit report yeah let me ask you this what about if a having too much credit right like so you have to many credit cards only to to many land lines and too many accounts yeah does that negatively affect you it depends it is crazy because a lot of the answers in question depends if you're going for a mortgage the lender might tell you to close if you go for a car they don't care but as long as you do have like twenty credit cards as long as those balances are low the land is normally not gonna care as long as they're not maxed out there what about tree let us see a lot of people say yeah you you get a tree line and I get you credit up high right straight lines legal and now so here here's why I never have one. so here's why call your credit card company up and say Hey I'm going to sell my account to somebody else for a thousand dollars can I do that is that in the in the agreement and more than likely not going to say yes right did there's no where there is gonna be legal in there actually is cracking down with the Federal Trade Commission after just sue somebody for doing exactly that exact same thing was like six point one one dollar lawsuit so it's not legal so there's other ways of building credit maybe if you want to add your daughter or your son yeah that's fine add authorize use but don't buy it because it's not legal to add somebody ought to a credit card that you have no relationship with right so so the first step is easy just walked in Seattle use working out just want to see a lot. so that's the first that business fixing your credit making sure you credit it is right they want you get their credit right in this is all when you're trying to buy a home for yourself for investment properties what I'm talking about this what we talk about but in depth in a seminar that we come to financing yes all right so now I've got my credit score up to let's say a six twenty okay twenty his thank you to get your car can you get your credit report for you every year for everybody. an annual credit report dot com annual credit report dot com so now I got my credit score six twenties now want to buy this house okay I don't have much money to put down right the houses let's say a hundred thousand dollars okay how do I get this house to put in the least amount of money as possible listen a perfect program for someone in that situation is FHA loan right FHA allows you minimum credit score of five eighty and putting down three and a half percent as a down payment so in that example and be a hundred K. will cost you thirty five hundred as a down the line is no way I could buy a house not SO was five eighty let's say house would use a hundred thousand is around it and only have to put down thirty five hundred dollars correct three point five percent but don't forget to closing costs right so you close in Costa Jenny gonna be somewhere around five percent of the sales price so in this case you're going to come out of pocket around eighty five hundred dollars to buy a hundred thousand dollar house it's money that into your mortgage payments yes you can great question you you can roll in and only if the seller agrees to give you what's called the sellers concession and with FHA they allow the seller to pay at least up to six percent of the sales price so in that case of the closing costs of five percent you can't exceed the five percent but you have that six percent buffer just in case is a little bit more expensive and you can finance the bar will finance the closing costs and be part of a monthly payment now what about PMI if you do alone and you have to put in you only put down three and a half percent and you have to pay mortgage insurance yes you have to pay PMI on FHA loan even if you put down twenty percent which people don't realize so even if you go FHA you put down three and a half five ten whatever it is you want to have PMR four if it's less than ten percent the PMR for life alone if you put down ten percent or more it goes on it goes way year eleven of the law but what I tell people all the time is PMR is not the devil it gives you the opportunity to buy a home with put in less than twenty percent down so if your first time that you want to buy a kind of like what you did let's say it's a three family house right okay I can still get a three point five percent loan is that correct absolutely FHA gives you the ability to put down three and a half the same. whether you're buying the one family to family three family or for a family you can also buy mixed use property on for those who don't know what a mixed use property as is we have a commercial space and apartments on top of it so unless I I find a three family home for a hundred thousand dollars okay I have to live on one floor but I can read out the other two floors and get a three point five percent loan absolutely other two floors pretty much pay for my mortgage and I'm living rent free absolutely I mean we have plenty of case studies from from my seminars where people are buying homes and essentially looking for free I just close someone about two weeks ago she came to the the the queen seminar and she bought a property in Jersey a three family I mean a rental income on a three family was forty six hundred somewhere around there and she's living in the basement and converted the basement type two bedroom apartment so how mortgage payments only twenty eight hundred dollars so profit two.
"doctor bills hospital" Discussed on Van Lathan's The Red Pill
"I mean I talked ice cube before actually did it before I did. It Duval shot him out. He invited me up to Hollywood. Squares wears this summer and he told me he was up there. He knew that I was trying to pitch something to him so he led me come up. They're like you know to visit him but he put me in the room with cube and I was like hey a you know y'all. y'All slept on a beach or job. Bites lucky for you agree. The show go have corn. He was like well getting together and you know give it to me. Watch your hustle like this rich like me. Go was used in some way at some point. You said something I ask you something. The I look I'm already rich. I don't you know what that's Meco is already fucking rich rich because as as much as much as I like to take credit for you know my man's check over from being on the side that I'm on it's not mine and I had goals and during the things that I wanted to do and I was accomplishing those until I met him and then I put everything on pause to be a wife and a mother. Stay at home mom. I don't want somebody else babysitting my son you know so. I you know I just stayed home and now he's a big boy now so mama's back on her. I want what I wanted before. I want my own show. I want respect in this industry and so you didn't stop you paused. I paused so let me ask you this. You say is not yours that that fucking subject is very very touchy in the male and female conversation because a lot of women I would think would say that of course it's yours right because if you're right there as a wife and a mother and taking care of so many things that bring cannot take care of their whatever he makes of course. It's yours why don't and they and when you say something like that like where what people were saying. Oh the Hoshi what you're shooting in the gym thing like that or whatever they always say well. You're leaving out these contributions on the on the white side on the motherhood side and it's it's everyone's married. It's it's yours. Why don't you feel like that's yours probably because it sports you know because I played played also I. It's it's not to say that it's not mine because outside of being you know the wife and mother that he was also managing in you know secretary. You know whatever whatever he needed but it's more because it came in so fast you know I think when you think about people being wealthier my type of wealthy like it took them a while. Take get their this came twitter you fucking. I love it. My type of wealthy podcast my type. Oh well right now right now. Go grounds my type walked you regular rich anyway going to go wild to to build a lot of other people's wealth and and that's like a a stamp of approval on a woman to have held her family down for a long time not saying that I didn't because I you know it's been ten years but we were rich before the ten years you see what I mean so it comes in real fast and you don't feel entitled because it's almost like he was gonna do this with or without you know saying my responsibility you know as his wife is to make sure we don't end up broke you know and so that's what I'm putting more of my brain power behind. How do you make sure that you that you guys ended up broke. What are you doing first of all educate him on all the broke niggers after they retire. I first rule very through. Here's the broke. Nick Nick is he doesn't want to know no. It's yeah so and then you learn from their mistakes yeah and then the second thing I do is I am his mouth piece anytime the time. Somebody needed some money. They gotta come through me because he'll say yes any dancing. No no so that's it's very useful yeah. I'll be the bad guy. Everybody needs that in your life because you know people come up to you and they ask for all kinds of shit and it's so hard to. I'd say yes so hard because well what happened is that is not like a large sum of money to you right the one person so somebody to be like your van school starting but whatever whatever however if I could just hold two thousand dollars you thinking you know what I'm saying. You think you think you think I'm enrolling as we go. Are you thinking you'd think so a two grand like you know what I'm saying and give them the two man to grant the before you know it you didn't give him. Two grand didn't giving him fifteen hundred five three three and they keep coming you out eight or nine thousand dollars. I'm not hurt type rich. That's a lot of money to be right right. So what I'm saying. Is it adds a dope to have somebody to be like you know talk to her about that and then she goes on and on and they gotta they gotta sell me and I'm not an easy easy sale. What what when you look for like what what would make you loan the money. Where would it be circumstances out of their control. Oh you know you you laid on your rent three months nama concern. You knew three months ago you who's right you know but emergencies. He's Doctor Bills Hospital car crashes. You know stuff like that like you know. We can help with that yeah but if you just if you just irresponsible possible you gotta figure that out on your own not my responsibility to make your your grown well. It gives me as the people that come back and ask for money for the same like that's what happens. They'll they'll use you as a crush. They'll just you spend their money on whatever they want to spend on that concert they wanna go to that. CH- vacation soon or whatever and all I'm just GonNa bar from Brain Miko. They got it. They got it the got him and wait and tell them about to be victory. Oh my God me and my kids view victims. Eh wasn't Jujitsu Jamaica what to say on the Graham Montego Bay. Take that motherfucker know. Here's the thing with me. I'm at this beach a lot. I'm a motherfucker from six to five. I'm not having as much fun as yellow right so if I lost some money. Don't go go on. This bids like I is is a long time. I just WanNa go home and just do regular shit by Watch Basketball Games. I missed the fucking Shit. You Oh you stunned while I'm here that I'm paying for that right and that that's so harmon yeah. That's why I gotta be a super super duper rich. What do you think is super duper rich coach for me. Yeah hold your million dollars. Oh I don't I don't know if I'll ever be dirty enough to get under a million dollars one hundred million dollars. I think just the richer you get the more you get. You know especially if it's not like an athletics or something where you get millions of dollars a year type of shit. US comeback so you're saying that anyone who have ask a hundred hundred million I'm just saying if you just come across a million quick you on your way up you scumbag in your way so what I feel like black people feel that way. We shouldn't feel that way. That's why people feel is don't think white people look at other people that have like one hundred million dollars or two hundred million dollars. They don't necessarily have to be a scumbag to get that they did that. You have to be like specifically talented or specifically lucky to get it but why would you have gone back to get one hundred million dollars. You almost there. You like two million away. No not a Nazi. You're saying right now. I wouldn't say one hundred million. That's low okay. What about billion a billion. You are a horrible him. Be Horrible horrible human being Jason. He got a bill about to continue to show us. What a horrible human being you saying Jay Z's a horrible human being he had to get to one billion yeah really yes you step on so many next to get there. I know you did did is cool. I can't name you a billionaire right now. Oprah don't even even do me what I'm asking you over his awful over. You think Oprah's all God awful she's with like one of the worst was Warsaw Road Olbermann. She's just counterfeit to me. She's just you know she is. I was you know coming up. I was a big oprah fan and washed her show when everything in his dinner show you know why she white washed it and then she you know when she started on her little healthy she. I've seen the first time I've ever seen in her really like realize like Oh. These bitches like not one of us is when she tried to put that beef on TV and talk about how horrible it was and and the beef industry had Israel has like you know what I'm saying like. Come on like by the lawsuits you buy a I like Oprah still get sh- she the open the past but I think the Oprah's good. I think she's going back. She's a billionaire and I just don't. I just don't like some of the things that she represents. She did a speech h wish she was. She got her little Oscar or whatever she did. A little speech and I was not the Oscar but you know that award she won at what awards with those were the ones before the Oscars Bruce Golden Golden. She get like I dunno black person at a year or something like that order. She said you know she says she she compared are- see what's her name is her name Rec- Taylor the black woman who was raped and dragged in the south how she tried to compare her story to like me too movement a woman you know just try to try to even Mesh those stories together. I'll just wanted to throw up now. Don't try don't do us we. The black woman has nothing to do with the metoo movement. Black woman has nothing to me too movement. It's not about us. The black WHOA black woman start at the has nothing to do with how come every time something happens the black women. She didn't say anything to you so you say in Toronto Burt Broadway. I've done work with her of her. She is but my my problem is every time something happens to a black woman like somebody like the whole the SPN things that was that was happening. They don't speak one of my friends. Adrian. She he has pin of sexual misconduct and and nobody's stood for her. Nobody's to rely black women are being left behind and the me too movement yeah just like the Women's movement period eerie that wasn't about black women that was about white women. I I would say that there are a lot of black women who think not only the part of movements but there Rana both both movies..
"doctor bills hospital" Discussed on WINT 1330 AM
"Dollars joint American cannabis summit online at ACS two thousand eighteen dot com. Attendance is free. That's ACS two thousand eighteen dot com. Here's your healthcare update with America's healthcare advocate. Carrie hall, do antioxidants really have a positive effect on our health and reverse the aging process. I'll be right back to tell you do antioxidants, really reverse the aging process. Well, here's some real numbers. It should make a difference to you death rates for people. Take antioxidants are down by fifty percent. Cancer deaths are down by thirteen percent cancer. Survival rates are up by fifty percent, heart attack and stroke down by fifty percents skin cancer down by seventy percent. Infections are down by fifty percent and cataracts are down by twenty seven to thirty six percent. Those are some pretty powerful numbers. Ladies and gentlemen, that show that antioxidants really do make a big difference in your life. If you choose to take them, they can really reverse the aging process and allow you a much happier, healthier life, the cost of vitamins and minerals is small especially compared with the money saved on drugs. Doctor bills hospital. And the ultimate effects of combined aging. Tis the season for New Year's resolutions. Make this year you achieve your goals to lose weight, take couch, and and see the inches and pounds come off. It's proven for results and.