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Leonardo Zalez
United States
Приєднався 20 вер 2012
21 year old business school graduate talking about financial, academic, and professional tips and strategies. I'll mainly be focusing on real estate, stocks, and personal development. Check out my content and be sure to subscribe!
HOW TO PAY OFF YOUR MORTGAGE EARLY
In this video I discuss how I used some financial and mortgage tricks to be able to reduce the lifetime of my mortgage from 30 years down to 9 years. The examples I provide are specific to my situation, for similar results you should try to mirror my math proportionally to your mortgage or by percentages or even easier just cll your lender and explain your intentions and how to do so.
Переглядів: 558
Відео
What is a Company match and why is it beneficial?
Переглядів 1035 років тому
I explain what a company match is and how it can be used to get more money for free essentially. This is also referred to as employer match or 401k match
Home Mortgage Tip: Servicing Vs. Administering
Переглядів 665 років тому
I discuss the difference between servicing and administering home mortgage loans, it is important to understand the difference when looking into buying a home.
Why Dual Enrollment is better than AP
Переглядів 11 тис.5 років тому
I show the differences between Ap classes and dual enrollment and why it is more beneficial to chose dual enrollment classes. I go over 8 strong reasons as to why this is true. My personal number until first 100 subscribers 305-323-5027
VANGUARD REVIEW / INDEX FUND PERFORMANCE
Переглядів 895 років тому
I discuss my experience investing with vanguard and whether or not I would recommend them. I got into an in depth analysis of the performance of my index fund while I held it. Index funds are similar to Stocks but they are combined stocks that are similar or mimic market composites like the S&P 500 in this example. I was looking into fidelity, Charles schwab, and vanguard. 305 323 5027
RENTAL PROPERTY ANALYSIS #1
Переглядів 1245 років тому
In this video I break down my current rental property with an excel sheet to visually and analytically depict the costs and income I encounter. My number is 305 323 5027.
What Mortgage Lenders Look For
Переглядів 7285 років тому
I discuss the 3 key factors that mortgage lenders look at when deciding who qualifies for a loan and how good the loan will be. Mortgage lenders want to look for individuals that have a high probability of paying the back the entirety of the loan. The three key factors are Good credit, Income, and a down payment. I hope you enjoy the video! My number is 305 323 5027
WHAT IS OPTIONS TRADING?
Переглядів 795 років тому
options trading is estimating a price that a stock will hit in a certain amount of time frame with contracts to buy. The contracts vary in price depending on the estimated price and time frame. The longer the time the more expensive the cost and the lower the estimated price the more expensive it is. Options trading is more volatile than regular stock trading so tread cautiously. here is my num...
ROBINHOOD PORTFOLIO UPDATE (MID JANUARY 2019)
Переглядів 1105 років тому
Portfolio update of my stocks in Robinhood and my progress on Robinhood in the recent weeks, I talk about losses I've come upon and gains I've made and my overall strategy and how I will be adjusting it.
ROBINHOOD TUTORIAL (how to invest using Robinhood)
Переглядів 2085 років тому
Walkthrough of the investing app Robinhood. Display all the features available in Robinhood for basic trading as well as strategies I use.
HOW TO ACHIEVE YOUR 2019 NEW YEARS RESOLUTION
Переглядів 825 років тому
Do you really want to achieve your New Years resolution, watch this video entirely. I will discuss the New Years resolutions I was able to accomplish last year and how I will accomplish them this year with 4 mentalities. the 4 mentalities are persistence, consistence, visualizing, and being proactive. if you like the video then smash the like button and subscribe.
HOW MUCH CAN YOU MAKE A DAY WITH STOCKS?
Переглядів 1085 років тому
in this video I talk about how much you can make a day in trading stocks. I traded stocks my first day using Robinhood and investing into multiple stocks which I show the result of in this video.
QUICKENLOANS MORTGAGE LENDER REVIEW
Переглядів 21 тис.5 років тому
Review of my experience with quicken loans in buying my first proerty and the ups and downs of my process with them. My recommendations to who should use them and who shouldn't.
HOW TO GET FREE MONEY IN COLLEGE using subsidized student loans
Переглядів 1,3 тис.6 років тому
How to get free money using subsidized student loans. i talk about the 4 ways of investing this money, what not to do, and how i used this strategy to make money .
Thank you!!! for all the information i have 2 kids entering High School this coming year and i am looking for the most information i can the only bad parta was that i was not on your first 100 hahaha :(
I’m glad it helped and good luck to your children! Feel free to let me know in the comments though if you have any further questions and I can help to the best of my abilities.
The DE credits may get you college credit at SOME colleges but you are missing a vital piece of information. The AP and IB courses are MUCH more intensive and the education you get with them is on a much higher level. Do you want to skip through easily, or do you want a real education? College professors rue DE students in college because they are not all are truly prepared and their quality of work is sophomoric compared to AP and IB students. You can get DE in 7 weeks in Some places compared to 35-37 weeks for AP and IB classes. How is that equal? If a DE student sat for an AP of IB exam and passed with at least a 3-4 them ok….but otherwise you are cheating yourself. While it’s good for some, it’s not good for others, especially the academically gifted.
Nice simple explanation! ? self-empolyed, do lenders look at gross, or AGI, Adjusted gross income? need to buy house, hesatent to do write offs that I qualify for, to show higher number for lender.
Around 7:16 you mention a psychological aspect of it...and mention Norman Roman...can you expand on this...what is Norman Roman reference
Dual enrollment also can save you thousands of dollars you would usually spend in college. Plus it’s nice the credits are guaranteed as long as you pass, just like high school classes.
How did you establish your credit score so young?
What is difference between Dual Enrollment and C.L.E.P.?
Thank you, thank you very much for your explanation. I wish you can explain more in detail. My daughter is in her last high school year and she wants to do the best she can.
im going to be a junior this fall, taking 3 dual credit classes
Ngl this is little biased. Not all colleges accept dual enrollment and AP is applicable everywhere. On top of that by taking AP you are showing that you are willing to take more rigor.
Are yoy saying AP is more rigorous than a college Dual enrollment course?
@@user-vg8ez9cu6u I've done many APs and dual enrollment courses and I can say that AP is more rigorous 100%
I'm so pissed off at Quicken...I bought my home Dec 2020 through a broker....ended up with Quicken...then after about 5 months they sold my loan to some half-assed shitty mortgage company based in Virginia. It's been a bad experience with this new company. If I could line up the Quicken people who sold my loan to this other company against a wall...I would "SPIT" in every one of their faces! I had no power over the transaction. Quicken Loans...a giant..."FY." Another example of..."we don't care...screw the customers." FY...FY
This is illegal
How
Very useful content!
Wow you knew this stuff for a while ! I’m jealous
Thank you!!! Thank you!!! I needed it for work, so your step by step easy use instructions helped! You're a lifesaver *BITCRACKS* .
Thank you!!! Thank you!!! I needed it for work, so your step by step easy use instructions helped! You're a lifesaver *BITCRACKS* .
Have so much confidence in you *Bitcracks* ...
Dual has a real professor while AP has a regular high school teacher
Great information! My son will be going to high school, this year. Thank you so much
Do you still need a realtor ?
Bro, I have been thinking about this lately. How much can you get out of the student loan?
In my case it was a max of $2,750 per semester
@@leonardogonzalez2284 okay, I’m definitely trying this out. I got my first house the fha and now trying to get another one this year. Thanks bro 😎
@@leonardogonzalez2284 can you do this at age 18? Which lender will allow this?
❤
Gorgeous
Cute
I appreciate your videos
which classes did you take in dual enrollment? Do you have advice on which classes to take? Im a junior and I want to start dual enrollment but idk what I should take.
I would highly recommend taking the general college classes before you go to in depth, let’s say if you take like 3 biology classes and you decide to be a business major then they will go to waste. Start out taking, college algebra, English, humanities, classes that everyone has to take at first
I totally agree with your opinion on which is better for sure, you made a great point about it boosting your confidence being in college classes and the resources also at your disposal, I didn’t really think of that but it’s TRUE!! Ty
Very straight to the point. And you broke it down so well thank you.
You in any financial loan, Do you need a loan to refinance your finance or expand your business? You need loan to settle urgent debt and stay with one lenders? get your from $1000 - $20,000,000.00 usd/euro/pounds at the rate of 3%. Money transferred in 3 to 4 hours, if you are interested in obtaining a loan you can always get in touch with Agent James at JnSBL on jnsmallbusinesscs@gmail.com
FUCK YOU YOU DIRTY BASTARDS
ʜɪʀᴇ ᴀɴ ᴇᴛʜɪᴄᴀʟ ᴄᴏʀᴩᴏʀᴀᴛɪᴏɴ ᴏꜰ ʜᴀᴄᴋᴇʀꜱ ᴠɪᴀ ᴇᴍᴀɪʟ: “ᴊᴀᴍɪᴇʜᴀᴄᴋɪɴɢ99@ ɢᴍᴀɪʟ . ᴄᴏᴍ" ꜰᴏʀ ᴀɴy ᴋɪɴᴅ ᴏꜰ ʜᴀᴄᴋ yᴏᴜ ɴᴇᴇᴅ, ᴀᴍᴏɴɢꜱᴛ ᴛʜᴇᴍ ᴄᴏɴꜱᴛɪᴛᴜᴛᴇꜱ ᴩʀᴏꜰᴇꜱꜱɪᴏɴᴀʟꜱ ɪɴ ᴛʜᴇ ᴀʙᴏᴠᴇ ꜰɪᴇʟᴅꜱ: ꜰᴏʀᴇx ᴛʀᴀᴅɪɴɢ, ꜱᴛᴏᴄᴋ ᴇxᴄʜᴀɴɢᴇ, ᴄʀᴇᴅɪᴛ ꜱᴄᴏʀᴇ ʟɪꜰᴛɪɴɢ, ʙɪᴛᴄᴏɪɴ ʀᴇᴄᴏᴠᴇʀy ꜰʀᴏᴍ ꜰᴀʟꜱᴇ ʙʀᴏᴋᴇʀꜱ ᴀɴᴅ ᴍᴜᴄʜ ᴍᴏʀᴇ. ᴛʀᴜꜱᴛ ᴛʜᴀᴛ ᴛʜᴇy'ʟʟ ᴀʟᴡᴀyꜱ ᴅᴇʟɪᴠᴇʀ. ɪ’ᴍ ᴛᴀʟᴋɪɴɢ ꜰʀᴏᴍ ᴇxᴩᴇʀɪᴇɴᴄᴇ ʙᴇᴄᴀᴜꜱᴇ ɪ ᴀᴍ ᴀ ꜱᴜʀᴠɪᴠᴏʀ ᴏꜰ ʜᴜɢᴇ ᴄʀᴇᴅɪᴛ ᴅᴇʙᴛ.
I go to a dual credit high school where we can do dual enrollment in our second semester of Freshmen year. I love it there and I have saved tons of time and money. At the rate I'm going, I can to end up with an Associates of Science in my senior year!
Awesome Video! Thank you so for sharing, this will truly benefit many students across the country. Good luck to you in your endeavors.
I have a good credit score and have a down payment saved, but I just started a new job weeks ago. Would this affect?
If you have 2 years of work history and at least 2 pay stubs at the new job you will still be fine to get approved
Yo that’s a fha loan smh
Did you mention the weighted GPA is the same for both AP and Dual Enrollment? Both will provide a GPA boost.
do you know by how much?
@@ItsJulieanna2004 if I were I I would do dual because ap you have to take a huge test and if u fail u don’t get credits unless your grade is good
@@ItsJulieanna2004 AP is 5.50 gpa credit and Dual enrollment is 6.00 gpa credit.
What???👂
Took General Psychology and General Biology aka Molecular and Cell Biology and got 7 credits and 4.0 GPA while if I took it at high school I could’ve end up having them for a year long
Bad experience with Quicken Loans. I refinanced with Quicken Loans and with rates dropping I contacted Quicken Loans to lower my interest rate. After 60 days, 17 documents and an appraisal worth more than the property Quicken Loans stopped responding. It took me being very aggressive to respond. They canceled. I would not recommend and find their customer service inconsistent as you deal with a variety of people through their application.
This helps a ton. I am a college student graduating early here in December. Want to buy a house. Have a decent down payment with good credit score, just not enough W2 history
You could use your education to substitute your W2 history if the job you get is in the same field as what you graduated in.
Leonardo Gonzalez I will. Then did you just submit your job offer with your documents?
They won’t care about the job offer they will want to see at least 2 pay stubs. They will combine the 2 pay stubs and 2 years of education to substitute “W2 work history”
To me, AP sounds harder and a waste of time. I’m in a high school program where I’ll be able to graduate with 2 associate degrees as well as a certificate and nurse aid certification on top of my diploma. To me, college classes are more worth it to me. I’ll be able to work throughout my time at a 4 year college while others will struggle to find a good job and have to get adjusted to college classes. I’m almost done with the program and I don’t regret doing it. Best decision ever. Good video!
I'm taking the nursing pathway too! Tell me what classes to take?
What program is this?
Great job!
your a tool!!!!! quicken loans is a sham lender, take money up front and leave you high in dry so maybe mr gonzalez had a good experience with quicken but you could fill your local wal mart with people who haven't so run as fast as you can from them , deal with local lenders unless you like being frustrated and giving away money
I’m taking AP calculus bc as a freshman any thing I should do
How wth😭
As a freshman??????
Good stuff man. After researching Quicken and all, I ended up going through Better and paid about $450 in closing costs and got the $2500 AMEX credit. I'd recommend them. ua-cam.com/video/C7PLwtaBwu8/v-deo.html
Keep up the great work ! Powerful info
Stop talking with your hands, and stop talking so fast
Thank you you helped me sm❤️
LaeLae I’m glad to hear that!
Hack
dude, is it my computer or is it you? but next time use a mic for more volume
Good job papi