Відео

Will, you're definitely blessed. Nothing but meat items on that cart. My kind of grocery shopping. Have a great day.

No I don't. Look like a good deal

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Outstanding news

Good stuff Willie! I appreciate your transparency in letting us see your debt free journey in real time.

You did an awesome job, with bringing down debt!

Thank you! I'm doing velocity banking as well. I have been trying to figure out how to use the credit card for expenses and then pay them off with heloc. I will find out when my heloc statement closes.

Will you can try to balance transfer one or a couple of those credit cards into the HELOC. This will do two things, lower the interest rate being paid on the balance (I'm assuming interest rate on HELOC is lower than credit card) and increase your cash flow. The increase in cash flow comes from paying less interest on the balance transfer from CC to HELOC. I wouldn't do anything past a 4 thousand dollar balance so it doesn't feel like you started your over on 9 thousand already paid on the HELOC. Just a thought.

You have to have an object for your smart goals 💎💎

Lets go!

Good stuff Willie-$9000 down, wow!

Will did you really quit velocity banking? The other day on one of your shorts it sounded like you quit. Hope not, have s great day.

Great content, as always! Could you help me with something unrelated: My OKX wallet holds some USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). Could you explain how to move them to Binance?

Very good information

🎉🎉🎉way to go 🎉🎉🎉

I look forward to talking to you.!

Thanks for the good information, Willie. I plan to call u next week(your time zone throws me off). I need to ask how you calculate the prime.

Good stuff! Keep us posted.

Hi are you a vet. How do we email you/call you?

Great information, Willie! You’ve done well with paying down debt.

Good morning

You had a good thing going with Wal-Mart.

Personal debt wiped out. Wow you're really using the HELOC like a checking account. Wonderful job. Great explanation how these expenses fluctuate, which is to be expected throughout life. Your discipline is a marvel. You're a human calculator

5:55 Wait..okay you meant 9.75% for the HELOC rate. I was like "WHOA!!!" when you said 6.75% from 10.25%

Once again, I appreciate the easy to understand teaching.

This is brilliant work. I could watch this all day. Have you considered depositing the $50K (or whatever is left) back into the HELOC?

68% utilization, that's High, I would work to get that percentage down, that is what making your credit score lower. Be Blessed!!

Great video, clear and concise.

I would add the co-borrower. The question I have...will the co-borrower have access to the HELOC? As in, do they plan to leverage the equity, or is this strictly a play to enhance the application?

Sounds like you have a strategic plan in place. What's your end goal with this one?

Thank for sharing this i just not too long ago got into a jam with buying a lemon from a pay here buy here and don’t have the car anymore

Great breakdown…very easy to follow.

Very detailed information! It’s great to see how others navigate and implement velocity banking.

Thanks for the info. Which bank allows you to use your credit card as overdraft protection? They typically want to upsell you on their overdraft line of credit.

Yes sir!! Be Blessed!!

thecreditcousin9406

You've got all the right pieces!

I'm using several credit cards and two lines of credit. Velocity banking has made doing my finances enjoyable.

How much did you pay to recast?

Quick question, when you recast a mortgage do the interest clock starts over again?

Very thorough! I just do my budgeting with pencil and paper. Lol eventually I'll get to this point. 😀

I am doing velocity banking in 4 weeks I paid from alittle over 7k to alittle over 4k is the best decision ever looks overwhelming but it’s worth it in a few weeks you will see the difference I have a ploc

We're just using a few PLOC's as well as our credit cards. We have our home paid off but don't own the land it's on. My elderly father-in-law has 10 acres and we live on 5 and he lives on 5. We live close to help him out. But because of that we can't get a HELOC. It would be awesome though!

This is considered the father of Velocity banking: ua-cam.com/video/M6VWsmJyx5M/v-deo.htmlfeature=shared

You're on your way!

Thank you! 🙏

Good morning 💯

Fix your audio or you will lose audience

I have been defrauded by heloc THRU FIGURE lending by overly inflating my property value and paid expensive origination fee then 3 months later suspended my heloc citing my property was significantly had declined in value. When I applied for a heloc loan on my residential property last May 2024 it was overly inflated up to $ 420,000 for a townhouse and was able to take a $200,000 line of credit causing me to pay an origination fee of $5,700 on which I paid after they deposited the lump sum money to my bank. I paid them back only taking $21,000 to pay my personal loan and credit cards balance. Three months later which is August of 2024 when I requested for another draw of $17,000 they suspended my heloc for the reason that the property value had significantly declined to $ 276 210. I felt devastated and distraught thinking that I had been scammed. They made a misrepresentation on the application for their gains. I'm not very knowledgeable regarding heloc and was not properly told/explained that once approved the whole amount will goes to your bank. I was not asking for a $ 200,000 loan. When I applied for Heloc at Figure lending took me 5 minutes processing including checking my bank account,they did their appraisal thru artificial intelligence and got the property value of $420,000 that's why they give me a loan of $ 200,000 to access. I checked their property appraisal recently and found out that they did the wrong address and made me felt like it's all fraud. The issue and my complaint was - there is no significant decline of property value. The correct value of my property should be on the upper $ 200,000 like to 270,000- 280,000 I owed 197,000 was expecting for a heloc of $ 20,000 or 25,000 at least. I know for a fact that my property was never appraised to more than $300,000 In conclusion if they have appraised it properly there should be no decline of property value and I should not be paying a HIGH ORIGINATION FEE of $5,700. Need help on what to do. I need to get some of my money back. Please BEWARE!!!!

That spreadsheet is on point Dr.Willie