Jonas Fils

[Daily Loud @DailyLoud]

Man in prison speaks on why you don’t want to be prison

[Fox News @FoxNews]

BREAKING: President Trump signs a presidential memo to make it easier for Americans to repair their own cars by protecting the right to fix vehicles and opening up more options for approving aftermarket parts.

"It came to my attention because I noticed they were arresting people for fixing their car."

"We rule by common sense."

[Meo Tech🇭🇹 @meotech1]

TPS ak dyaspora
Tweet ki pap popilè ki pa absoli! 🔥🔥🔥

Si 350,000 Ayisyen ki nan TPS mete $1,000 ameriken chak, pandan yo usa 🇺🇸 toujou.. reli lil ankò avan w kondanem!

350,000 × $1,000 = $350 milyon ameriken

Sa sèlman deja sifi pou kreye youn nan pi gwo fon envestisman prive ann Ayiti, pandan yap jere legalite yo usa 🇺🇸 jiskase administrasyon sa pa gen pouvwa ankò!

Pa egzanp

🏦 $75 milyon pou kreye bank ak kowoperativ kredi.
🌾 $100 milyon pou achte tè epi devlope agrikilti komèsyal.
🏭 $75 milyon pou faktori manje, materyo konstriksyon, ak endistri.
🏘️ $50 milyon pou lojman ak byen imobilye.
💼 $50 milyon pou transpò, enèji, teknoloji, ak lòt biznis.

Si tout moun achte aksyon youn nan biznis lòt yo epi yo kontinye re-envesti pwofi yo olye yo depanse yo, fon an ka grandi anpil.

Men kèk senaryo apre 10 ane

8% kwasans pa ane
anviwon $756 milyon
12% kwasans pa ane
anviwon $1.09 milya
15% kwasans pa ane
anviwon $1.42 milya
20% kwasans pa ane
anviwon $2.17 milya

Sa yo se estimasyon ki sipoze pwofi yo kontinye re-envesti epi biznis yo byen jere. Rezilta yo ka pi ba oswa pi wo selon kalite jesyon an, estabilite politik, kondisyon ekonomik, ak bon desizyon envestisman.

Pi gwo fòs la se pa sèlman kantite lajan an, men pwopriyetè kolektif la. Si plizyè santèn milye Ayisyen vin posede tè, bank, fèm, faktori, ak biznis ansanm, yo ka kreye travay, pwodui plis sa peyi a bezwen, diminye enpòtasyon, epi bati yon ekonomi kote richès la rete ann Ayiti.

$350 milyon pa yon ti lajan. Si li byen jere, avèk transparans ak disiplin, li ka tounen plis pase $1 milya nan 10 ane epi vin yon gwo motè pou devlopman ekonomik Ayiti.

Si 350,000 Ayisyen ka jwenn dè santèn milyon dola pou peye frè avoka ak depans imigrasyon lè gen kriz, ki se dwa yo ke mwen respekte!

imajine sa nou ta ka konstwi si nou mete menm enèji ak menm lajan sa yo ansanm pou envesti nan tè, biznis, bank, ak agrikilti ann Ayiti oubyen mwen nan ilizyon? 🇭🇹👨🏿‍🌾🌽🌽🌽🌽🌽🌽

[Jonas Fils @Jonas_fil]

Yn learn from this men

[Daily Loud @DailyLoud]

Foolio’s killer, Isaiah Chance, had one final message for Jacksonville after being sentenced to life without parole:

“It ain’t worth it… the dissing, the beefing, the shooting. For what?”

“When you're sitting in your cell alone, cold, lonely, & everybody leaves you; the only person there is your mother and maybe a friend”

[Jonas Fils @Jonas_fil]

@najam_ali Some people don't get the whole picture, he did what he was supposed to do.

[Jonas Fils @Jonas_fil]

What president trump is doing now no one will understand it until a few years later

[Jonas Fils @Jonas_fil]

I welcome the 21 century

[Jonas Fils @Jonas_fil]

@primetateHQ @Cobratate Dude can't get any women from men, if she is faithful you won't be able to do that.

[Jonas Fils @Jonas_fil]

Hope this war ends soon.

[hunter @hxxntrr]

You can buy a house in America using only credit cards

No mortgage. No down payment. No income verification. No appraisal

The title closes in 7 days because you show up as a cash buyer

90% of americans think this is illegal. It's not. It's not even unusual

Real estate is the only major asset class in America where you can use unsecured credit to acquire it and the seller will never know how you paid

The bank that issued your Chase Ink card has no idea you used the credit line to wire $80K to a title company in Ohio. The title company has no idea you didn't have $80K in your checking account 5 days ago. The seller sees a cashier's check at closing and that's the end of the conversation

Here's the actual play:

Step 1: find an off-market or distressed property in a tier-2 or tier-3 market. Single-family in working-class neighborhoods of Cleveland, Detroit, Memphis, Birmingham, Toledo, Akron, Dayton, Buffalo. Average single-family with renovation needs: $35K-$90K

Step 2: stack 0% business credit. Chase Ink Cash + Chase Ink Unlimited + Amex Blue Business Plus + Capital One Spark = $80K-$150K in 0% credit at a 720+ FICO

Step 3: liquidate the credit lines through Trykashu (6.5% fee, 72-hour funding). On $80K of card capacity, Trykashu wires $74,800 cash to your business checking. Fee: $5,200

Step 4: close on the property as a cash buyer. Cash close gets you 5-15% discount over a financed buyer because the seller doesn't risk a financing contingency falling through. 7-day close instead of 45-60 day mortgage close. No appraisal contingency. No inspection contingency required (you can still do one)

Step 5: renovate to rent-ready. Most $50K-$80K single-family purchases need $5K-$15K in cosmetic work. Use the remaining 0% credit for materials and contractor payments

Step 6: rent the property. Single-family in working-class Cleveland rents for $850-$1,250/mo. Mortgage payment on a $0 mortgage is $0. Net cash flow before tax: $750-$1,150/mo

Step 7: refinance at month 8. Apply for a DSCR loan. DSCR loans don't check your income, don't check your W-2, don't pull your tax returns. They check one thing: does the rent cover the mortgage payment with a 1.0-1.2x coverage ratio. On a $1,000/mo rent, the lender will approve a 30-year mortgage at about $850/mo principal + interest, which on current rates means a loan amount of roughly $130K-$140K

Step 8: cash-out refinance pulls $75K-$95K of equity. Use the cash-out to pay off every 0% credit card you ran through Trykashu. Cards reset to $0. You own a free-and-clear cash-flowing rental property at a 30-year fixed rate with positive cash flow funded entirely by the original tenant

Total of your own money in the deal at end of cycle: $0
Total capital deployed: $80K bank credit (now paid off from refi cash-out)
Cost of the entire operation: $5,200 Trykashu fee + closing costs ($2K-$3K) + minor refi costs ($1.5K)
Final position: own a property generating $300-$500/mo net cash flow after the new mortgage, free credit cards reset to $0, refinanced into a 30-year fixed rate

Most real estate gurus charge $50K to teach you how to qualify for a conventional mortgage and put 20-25% down. The bank already has the money. You just don't have to play by the rules they sold you in the guru course

The standard mortgage path on the same $80K house:

20% down payment: $16,000 of YOUR cash
Closing costs: $4,000-$6,000
Total cash out of pocket: $20,000-$22,000
Mortgage at 7.2%: about $435/mo principal + interest on $64K
Time to close: 45-60 days

The 0% credit path on the same house:

Down payment: $0
Closing costs: $4,000-$6,000 (also financed through 0% credit)
Total cash out of pocket: $0
Cost of capital: $5,200 in Trykashu fees during the cash-buyer phase
Time to close: 7-10 days
Discount captured by being cash buyer: $5K-$10K off purchase price

Same property. Same tenant. Same monthly rent. The credit card path costs $22,000 less to acquire and closes 6 weeks faster

A woman I met at a networking event in Dallas runs this loop 4-6 times a year. She has 19 rental properties. Total of her own money invested across the entire portfolio: under $40,000. The first 6 properties were all funded through credit card stacks. Every refinance after that funded the next acquisition

She bought her 19th property last quarter. Same play. Same cards. Same Trykashu liquidation. Same DSCR refinance at month 8. Same $0 of her actual cash

Real estate gurus call this "creative financing." Banks call this "credit utilization." The IRS calls this "ordinary investment activity." None of them call it illegal because it isn't

dm me "funding" and i'll show you how you can qualify for up to 250k in 0% APR funding (if you have a 700+)

[معلومات تفيد ®️ @mlqbnmmd3]

هذا هو الإبداع الذي يعيد الشغف الى الروح 😍💙👌!.

[Rand @rand_longevity]

fish oil will help your blood flow smoother, its really that easy

[Jonas Fils @Jonas_fil]

I am a trucker against trafficking...see something say something, take action.

[Dear Son. @DearS_o_n]

CONSISTENCY = SUCCESS.

[Manhood Lab @Lab_for_Men]

Watermelon 🍉 = strong erection

Pineapples 🍍= Good skin

Cucumber 🥒 = Good liver

Apples 🍎 = good digestive health

Bananas 🍌 = improves sex drive and healthy blood pressure

Oranges 🍊 = boost the immune system with their high vitamin C content.

Grapes 🍇 = improves heart health

Strawberries 🍓 = reduce inflammation and promote skin health.

Coconut 🥥 = supports brain health and weight management.

Mangoes 🥭 = contribute to healthy skin and immune function

Avocado 🥑 = helps lower bad cholesterol and supports heart health

Blueberries 🫐 = Blueberries improve cognitive function and support heart health

Eat fruits, avoid processed sugar and junk.

[Jonas Fils @Jonas_fil]

This war needs to stop, don't want to see innocent people get kills or murder. A peaceful negation is the best option. Let's move towards a well balanced and equal word...yes we can

[hunter @hxxntrr]

A 480 credit score and a 780 credit score are 90 days apart

Not 7 years. 90 days

The "it takes years to rebuild credit" advice is propaganda from banks who profit from every month you sit at a low score paying 24% interest

Here's the actual timeline when you run it correctly:

Day 1-3: Pull all 3 reports at https://t.co/h8nrcLATc9. List every negative. Collections. Charge-offs. Late payments. Wrong balances. Accounts that aren't yours. This is your hit list

Day 4-7: Send dispute letters on EVERY negative item. Not the online portal. Certified mail. Return receipt

The letter: "I dispute this account. Provide the method of verification used, the name and contact of the person who verified, and all documentation used in verification per FCRA Section 611"

One letter per account. One to each bureau that's reporting it. If you have 12 negatives across 3 bureaus that's 36 letters

Cost: $120 in postage. To potentially delete tens of thousands in debt

Day 30: First massacre

The bureaus have 30 days to verify or they MUST delete. The original creditors often don't respond in time because verifying one account for a bureau isn't worth their effort

Average deletion rate on Round 1: 40-60% of items

Day 31-35: Round 2 on everything that survived

Different language this time: "Previous investigation was inadequate. Provide the original signed contract, complete payment history from origination, and proof of proper notification per FCRA Section 611(a)(7)"

You're asking for MORE documentation. Different investigator reviews it. Different result

Day 35-45: Add authorized user tradelines while disputes are running

Find someone with a credit card open 10+ years. Perfect payment history. Low utilization. Get added as authorized user

You don't need the physical card. Never need to use it. Their account history appears on your report within 2 weeks

Average age of accounts jumps from 1 year to 6+ years overnight. Score jumps 50-100 points from this alone

Day 60: Round 2 results hit

Another 30-50% of remaining items deleted. Running total: 70-85% of negatives gone

Day 60-75: Round 3 on the survivors. File CFPB complaints for every item that came back "verified" without proper documentation

"Bureau failed to conduct reasonable investigation. Two previous disputes returned verified without providing method of verification. Requesting supervisory review"

CFPB complaints go to a senior team. Not the overseas dispute farm. These people actually read your file

Day 75-90: Utilization optimization

Pay all card balances below 9% of the limit BEFORE statement closing date. Not after. Before

$1,000 limit? Get the statement balance to $80. This alone is worth 30-50 points

Day 90: New score

480 → 780 is the extreme end. Most people land somewhere in the 680-750 range in 90 days depending on what they started with

But the jump is real. 180-250 point increases in 90 days are routine when you run all tracks simultaneously: disputes deleting negatives + tradelines adding history + utilization dropping to single digits

"but won't the creditors re-report?"

If it was deleted because the bureau couldn't verify, re-reporting without new information is a violation of FCRA Section 611(a)(5). $1,000 per violation plus attorney fees. Most creditors don't risk it

The "7 years" rule is how long a negative CAN stay. Not how long it MUST stay. There's no law that says a collection has to sit on your report for 7 years. There's a law that says it CAN'T stay longer than 7 years

Anything that can't be verified gets deleted immediately. Regardless of age

Every month you spend "waiting" for your score to improve naturally is a month you're paying higher interest rates, higher insurance premiums, higher deposits, and getting denied for things you should be approved for

The 90-day rebuild isn't a hack. It's just running the legal process the way it was designed to work. Fast. Aggressive. Simultaneously

Banks would prefer you didn't know this

(i fix credit in 30-90 days. this is literally what we do every week. link in bio)

[Jonas Fils @Jonas_fil]

Can't wait to go on vacation...

[Jonas Fils @Jonas_fil]

@hxxntrr I wonder if this is true.

[Jonas Fils @Jonas_fil]

Future home and land owner