Gold! No other word to explain it. This is a huge help

@ShaheedahHill

4 жыл бұрын

Thank you!

@sweetsunshineplaytime

2 жыл бұрын

Right!

@vitalismbotiji9803

Жыл бұрын

U are a brilliant teacher and u are wonderful 👏

This is a good example of why the last 6 months I have been paying off all my debt.. shit is working.. Only my car note left!

@JamaicanMeCrazy

4 жыл бұрын

Keep going kk

@JayLawson

4 жыл бұрын

Congrats bro keep it up

@TommyleeATGMAILDOTcom-ws3wg

4 жыл бұрын

Contact hacklord on stefangriffin500@gmail.com, text me on Whatsapp +17178276321 , he's good and expert in a credit score fix, credit card hack and bank hack , ask him more details about loan,pays loans,paypal and western union included..

@Annabee399

4 жыл бұрын

☑️ Congrats! I did the same and paid off my car, which unfortunately caused my Fico score to decrease three points. However, 838 is still within an excellent range.

@SOSIDDITY

4 жыл бұрын

This statement is my current MOOD.

This woman is a national treasure. Many thanks!

@ShaheedahHill

3 жыл бұрын

Thank you🙂

Freshly Debt free and it feels so good !., in my 20s married and plan on staying debt free. 😃Buying a home is our next goal and that's gonna be the only debt I plan on Ever having.

@cosmicviewer477

3 жыл бұрын

Congratulations, Sis!

@choosetoshine2610

3 жыл бұрын

Congratulations 🎊

@tatianagarcia9501

Жыл бұрын

Yes!!! I couldn't agree more 🙂

This is the best explanation of DTI I've ever seen on KZread! Thanks

@ShaheedahHill

4 жыл бұрын

Thank you that made my day😀

@joeblack7262

3 жыл бұрын

2nd that

@jpanega1

3 жыл бұрын

I agree. Thank you!

Literally over here crying at the fact that $200K was $1250/ month in 2020!

@musicoctavemotivation3720

Ай бұрын

This is my target 🎯 payment and now it's 1800 range. ,🤦🏿‍♂️

Ms. Hill, I stumbled upon one of your videos the other day and have been hooked on the way you thoroughly explain home ownership. I feel embarrassed to say at almost 50, I've been Ok with renting until now. Rental prices are ridiculous, so now I'm getting my affairs in order to purchase within the next year or 2. Again, thank you for sharing your knowledge and experience. Blessings to you and your family!

@ShaheedahHill

2 жыл бұрын

Thank you so much for finding me and watching. Don't be embarrassed, great time in life to buy, you have learned so much and know what you want in life. Excited for you!!

so much easier to pay off everything before getting a mortgage pay off credit cards and pay off your car pay off everything that has interest.

@TommyleeATGMAILDOTcom-ws3wg

4 жыл бұрын

Contact hacklord on stefangriffin500@gmail.com, text me on Whatsapp +17178276321 , he's good and expert in a credit score fix, credit card hack and bank hack , ask him more details about loan,pays loans,paypal and western union included..

Great example of why you need to know your numbers before you even start looking at houses. Thank you for the video

@ShaheedahHill

3 жыл бұрын

Glad it was helpful!

I just wanted to let you know how much your videos are helping me. When I was growing up nobody ever schooled us on this important information. Thanks to you I am really understanding, thank you so much!! Barbara

@ShaheedahHill

2 жыл бұрын

I'm so glad you found me, thank you for watching!

This is so necessary for everyone to know. How lenders calculate what we can afford is so different from the reality of all our other expenses we have every month. It makes you put a mirror to yourself and hopefully get your other expenses down to the 36 to 40 range

@ShaheedahHill

Жыл бұрын

Thanks for watching!

I appreciate the honesty of this video. So many videos out there around borrowing/financing are about how to game the system and work the angles to end up borrowing more than you should. There's no bias here. Just a straight factual approach and accurate setting of expectations. Well done, Shaheedah.

@ShaheedahHill

3 жыл бұрын

Thank you for watching and such thoughtful feedback. I really appreciate it.

Love how you explained this so clearly!

Thank you for explaining this info. You are GREATLY appreciated. Blessings beloved 🥰

THANK YOU SO MUCH MUCH NEEDED INFO!

Thank you for supplying so much valuable information FREE!!! This video was a gold mine for me!

@ShaheedahHill

Жыл бұрын

Thanks for the feedback Bridget!

Really appreciate this video!! Learned ALOT and it made me feel that much more confident in my journey of buying my first home.

@ShaheedahHill

4 жыл бұрын

Thank you and best of luck!

This was definitely the most helpful video out there about the topic. Thank you!

@ShaheedahHill

3 жыл бұрын

Thanks for the feedback and for watching!

Wowwww Golden! Thanks!

Thank you for this explanation! Your videos are clear and concise and so very valuable in terms of the information that you provide. Thank you!

Thank you! This was clear, straightforward and informative. Looking to build a home next year, so I’m trying to learn as much as I can. You have a new subscriber 😊

@ShaheedahHill

4 жыл бұрын

Glad it was helpful! #homeowner2021!

@TommyleeATGMAILDOTcom-ws3wg

4 жыл бұрын

Contact hacklord on stefangriffin500@gmail.com, text me on Whatsapp +17178276321 , he's good and expert in a credit score fix, credit card hack and bank hack , ask him more details about loan,pays loans,paypal and western union included..

@reneej8623

4 жыл бұрын

Me too. Looking to build in January. I was pre-approved for a conventional loan with my credit union & FHA loan with a separate lender in 9/2019 but could not find a house l wanted. I will NOT be house poor so I'm taking my time. It's only me and l have simple taste - 155K is my LIMIT even though l was approved for 230k.. nope. I will not live to pay bills. 💯

I am so happy to have found this channel. Cause I was wondering if I should buy or pay a couple off high interest CCs first. But this should help me make that decision since I am trying to stay below that 50 %

Thank You. Will be looking into it tomorrow!

You are so detailed. The crazy thing about this is that some people pay so much I rent so to have to go through so many calculations must frustrate those that pay way more than they would pay on mortgage.

This is gold!

I Love you Mrs. Hill 💕 Thank you so much for this… it was straight to the point! On my Journey to purchase my first home!!

@ShaheedahHill

2 жыл бұрын

Thank you - Love you too!

Wow! This is soooooo helpful! Thank you sister! So happy I found your videos!

@ShaheedahHill

4 жыл бұрын

You are so welcome!

Wow this is helpful 😊 thank you so much

Great information! Thanks

@ShaheedahHill

4 жыл бұрын

Thank you for watching!

Thank you so much!! This is a huge help I’m currently debt free but the thought of possibly regaining debt gives me anxiety but I’m going they the house buying process right now.

@ShaheedahHill

3 жыл бұрын

Your house is really is a debt that you shouldn't feel bad about. Do your research and for it!

That was great advice!! Thank you.

This information is so informative!!! Your videos are so helpful !!!

Great Vid! Finally understand how to calculate my DTI! Thanks.

@ShaheedahHill

4 жыл бұрын

Thank you for watching and I also attached a link to a calculator. 😊

@TommyleeATGMAILDOTcom-ws3wg

4 жыл бұрын

Contact hacklord on stefangriffin500@gmail.com, text me on Whatsapp +17178276321 , he's good and expert in a credit score fix, credit card hack and bank hack , ask him more details about loan,pays loans,paypal and western union included..

I am 100% recommending your videos to anyone I come across that’s looking to buy their first house like me. Super helpful!

@ShaheedahHill

2 жыл бұрын

I really appreciate that! Thank you😊

THIS WAS AMAZING AND HELPFUL!!! I subscribed, the way you explained it was 10x easier than any video i watched and it showed me to go into this with little to no debt, especially ones i could avoid doing like car payments. Oh and youre black, have to support! Thank youu so much

I am so glad I came across your videos. Knowledge is power and you are breaking this thing down so plainly!

@ShaheedahHill

2 жыл бұрын

I appreciate that, thank you for watching.

This video is very informative and in latent terms that I can actually understand! You have taught me so much. Thank you for making videos like this!

@ShaheedahHill

4 жыл бұрын

Thank for watching and the feedback!

@TommyleeATGMAILDOTcom-ws3wg

4 жыл бұрын

Contact hacklord on stefangriffin500@gmail.com, text me on Whatsapp +17178276321 , he's good and expert in a credit score fix, credit card hack and bank hack , ask him more details about loan,pays loans,paypal and western union included..

I was expecting a promotion last year right as the pandemic sort of took off and was hoping to be a first time home buyer in 2020. That has been delayed until now where it seems like my promotion is back on track and your videos are helping me prepare and understand as much as I can WAY before being there, and I always prefer to be prepared! lol So, thank you so much for your videos explaining all these details and things about what a person can afford for their salarry!

@ShaheedahHill

3 жыл бұрын

Thank you for watching and everything in due time, sorry about the delay.

Thank you so much for all the information that you put out. Buying a home can be intimidating, especially when you don't know what to do. Your information really claimed me down and helped me to enjoy the process.

@ShaheedahHill

2 жыл бұрын

You are so welcome, thank you for watching.

Your channel is so helpful! It seems so simple but a lot of people don’t know this. I can’t remember this process going into my second home. So it’s very refreshing to see you break this down step-by-step for a lot of people. So thank you very much. I almost feel guilty that you give away all of this information for free.

@ShaheedahHill

2 жыл бұрын

You're so welcome, thanks for watching....again😊

This was EXCELLENT and broken down so easily. Now I’m about to be obsessed with calculating and getting that DTI to where I want and need it it to be. I do not want to be told I do not qualify for what I want. I’m determined to get this debt paid off. 😊

@ShaheedahHill

3 жыл бұрын

Get obsessed😀. Thanks for watching!

@bnepaul9268

Жыл бұрын

With determination and God's grace u will

God, I love this girl!!

Good stuff. Thanks for the help.

Straight to the point! 👏🏻 Thank you for the insight.

@ShaheedahHill

3 жыл бұрын

Thank you!

Also I am on a income driven student loan repayment plan and thankfully that’s my only debt! But now that 1% might hinder me 😳

I appreciate this video so much. I have a question, when calculating my current debt, should I include what I am currently paying for rent/utilities associated with my current residence?

@ShaheedahHill

3 жыл бұрын

No utilities, no rent. Just include your anticipated mortgage payment instead. Thanks for watching!

Thank you so much!

Thank you im going to work mine out today

YOU are simply THE BEST The Lord is pleased because what your doing is PURE MINISTRY empowering HIS people!!!! May HIS Miracles & HIS blessings continue to fall unto you & yours my sistah

@ShaheedahHill

4 жыл бұрын

Amen and thank you for the blessing and kind words!

Would they also consider things like Cell phone and Cable bill?

@ShaheedahHill

4 жыл бұрын

No only debt payments where you have borrowed money with the exception of child support or alimony payments- they do include those payments. They do not include any utilities, cell phone, cable, daycare, etc. That is why they don't want the ratio to be that high because lenders know you have other monthly expenses. Great question and thank you watching!

@BillyBob-fh5he

4 жыл бұрын

Internet, cable, cell phone, energy bill all add up to a significant amount per month.

Thank you for explaining this so well!

@ShaheedahHill

4 жыл бұрын

Glad it was helpful!

This was a great help. Thank you👍😀

How about car insurance ($200), cell ($75), gym memberships ($25)? That for me is an additional expense that must be paid monthly

@ShaheedahHill

3 жыл бұрын

They only look at debt. Instances where you have borrowed money. The exception is child support or alimony payments. They will count those.

@nubiang5017

3 жыл бұрын

Good Day. So, Utility bills are excluded ?

This is very helpful... but here in California, the cheapest houses you can buy are at least $600,000.00. 😞

@user-td7xf3gz4l

4 жыл бұрын

Not in Bakersfield and many other cities within CA

@thegoosemanrockentertainme6482

3 жыл бұрын

Not in Fresno, Stockton, and many others

Moving my fam from OC Ca. to either Wisconsin (Fox River area) or Minn (Twin Cities area) end this school yr, and will be our 1st home. Your vids have been so helpful in understanding what lenders are looking for and what I can afford. Living in S Cali we never really thought about home ownership because of the insane housing prices here. Seeing what houses go for in the Mid west and your vids info, I'm sure we can find a lovely safe home that we can afford to raise our fam. Silver lining of the terrible pandemic, my wifes job has become completely remote making all this feasible. Liked and subscribed!

@ShaheedahHill

2 жыл бұрын

Excellent thank you, yes remote work opens up so many new possibilities, thanks for sharing!

Great video. You cover all the other similar videos I have seen. In addition you gave information about Student loans that I was unaware of.

@ShaheedahHill

4 жыл бұрын

Thanks!

Why do banks use the Gross income, instead of net income...Because you don't bring home the Gross amount...So it seems misleading on what you truly can afford?

@lj9578

4 жыл бұрын

I think that's how people are house poor. They didn't do the numbers for themselves and just borrowed the max amount they were approved by the bank.

@ShaheedahHill

4 жыл бұрын

They should look at take home, but they look at gross, they are able to lend more and charge more interest. So it is up to the borrower to know what they can truly afford, I would recommend going over 25% of your take home pay.

@TommyleeATGMAILDOTcom-ws3wg

4 жыл бұрын

Contact hacklord on stefangriffin500@gmail.com, text me on Whatsapp +17178276321 , he's good and expert in a credit score fix, credit card hack and bank hack , ask him more details about loan,pays loans,paypal and western union included..

Question is dividing your income by 12 accurate? I’ve been taught to divide it by 26 or 52... depending on your pay frequency.

@ShaheedahHill

4 жыл бұрын

Because you will pay your mortgage once a month and most bills are due on a monthly basis, your should use 12. You should add all your income & debt you have in a month. In the description there is a link to a DTI ratio calculator. Here it is - www.bankrate.com/calculators/mortgages/ratio-debt-calculator.aspx

@TommyleeATGMAILDOTcom-ws3wg

4 жыл бұрын

Contact hacklord on stefangriffin500@gmail.com, text me on Whatsapp +17178276321 , he's good and expert in a credit score fix, credit card hack and bank hack , ask him more details about loan,pays loans,paypal and western union included..

Love the way you broke that down

This is officially my favorite Channel she doesn't only do what she does for a living i honestly believe she loves what she does.

@ShaheedahHill

2 жыл бұрын

Thank you and yes I do 😊

Thanks for recommending this video. If you have a 0 balance on your credit cards do they still count the minimum payment?

@ShaheedahHill

4 жыл бұрын

No they only count a payment if that card has a balance.

@TommyleeATGMAILDOTcom-ws3wg

4 жыл бұрын

Contact hacklord on stefangriffin500@gmail.com, text me on Whatsapp +17178276321 , he's good and expert in a credit score fix, credit card hack and bank hack , ask him more details about loan,pays loans,paypal and western union included..

www.bankrate.com/calculators/mortgages/ratio-debt-calculator.aspx

@jayvet8402

4 жыл бұрын

When calculations for dti on conventional they only take in payments rather than the 1% rule like FHA? Also, what If you are still in school for a graduate degree is your student loan taken into account still in dti?

@owl6337

4 жыл бұрын

Why not use 52 weeks, instead of dividing by 12

@malaikasdurbin8960

4 жыл бұрын

Tell me. My son makes approximately $80,000 and was hold that he pre-qualified for only $250-270. He has only one credit card with a balance of $2000 and credit rating of 780.00. Does that seem right to you that he would prequalify so low? His credit age is 7 years!

@grantm.7281

4 жыл бұрын

Now when you say debt does that include my usual utilities payment and rental payment?

@mrsitim8341

4 жыл бұрын

Hello I live in pa and we planing on buying in nj do we have to apply for the loan in pa or nj thanks in advance

Wow this helped so much! Thank youuuu so much !

Awesome video. I just followed your steps and did this formula on paper and it made total sense.

@ShaheedahHill

3 жыл бұрын

So glad to hear! Thank you for watching!!

debt to income ratio is a real thing lol. Imagine my husband and I make decent money, both credit scores in the 700s YET because of that 600 car payment they wanna loan us a crap amount talking about we looking at a 1800 mortgage....ya we rather rent in a great area for 1600 a month smh, now we are able to make the car payment lower but not gonna look to buy until 2 or 3 years from now.

@ShaheedahHill

4 жыл бұрын

Yes, a lot of people are denied or cannot qualify for the kind of house they want because of car loans or student loans.

@TexasMade903

4 жыл бұрын

Where do you live? My mortgage is 1,725 a month and I have beautiful 4 bedroom / 2 bathroom home with a little over 2,000 square feet. In DFW you can get real nice home in that price range.

@robynstevens9753

4 жыл бұрын

Sell your car and by a cheaper one. $600.00 car payments are ridiculous

@TrollinOn22s

4 жыл бұрын

Looking at gross income is so flawed in my opinion and they should be looking at your net income instead. Health care costs come out of my gross income and so does my 401k and that is about $500 plus taxes before I spend a dime.

@TommyleeATGMAILDOTcom-ws3wg

4 жыл бұрын

Contact hacklord on stefangriffin500@gmail.com, text me on Whatsapp +17178276321 , he's good and expert in a credit score fix, credit card hack and bank hack , ask him more details about loan,pays loans,paypal and western union included..

I just recently paid off all my debt by following the Dave Ramsey principle. I make 70k a year and looking to buy a house. I came across this video and Wow, thank you soo much for explaining how DTI really works. Love your channel btw. You earned my SUBSCRIBED! 👏👌

@ShaheedahHill

3 жыл бұрын

Thank you, I appreciate that. Congratulations off your debt .. great job!

You broke it down so well. Thank you so much. Very informative.

@TommyleeATGMAILDOTcom-ws3wg

4 жыл бұрын

Contact hacklord on stefangriffin500@gmail.com, text me on Whatsapp +17178276321 , he's good and expert in a credit score fix, credit card hack and bank hack , ask him more details about loan,pays loans,paypal and western union included..

OMG! Excellent information! I love this channel!

@ShaheedahHill

3 жыл бұрын

Thank you!

Ready for student loan payment video 💚

@ShaheedahHill

4 жыл бұрын

Yes, next Wednesday for sure. It is stopping some people from qualifying because of the high overall balance, but I will discuss some alternative options as well. Thank you for watching!

@TommyleeATGMAILDOTcom-ws3wg

4 жыл бұрын

Contact hacklord on stefangriffin500@gmail.com, text me on Whatsapp +17178276321 , he's good and expert in a credit score fix, credit card hack and bank hack , ask him more details about loan,pays loans,paypal and western union included..

I'm guessing I can't make no house payments with 22k a year right lol no debt only a personal loan $123 a month

@ShaheedahHill

4 жыл бұрын

It not impossible, but the mortgage payment would have to be probably about $500-600, depending on where you live a home in that price range may be difficult to find. I did have a client that was able to find a town home in metro Atlanta for $97K this summer and her payment was $686. She used down payment assistance, so she financed about $89,000.

@roxannescott6956

4 жыл бұрын

@@ShaheedahHill wow ok thanks for the info I live in New York city it is kinda expensive might just have to get out my comfort zone😊

@TheBlackDorothyZbornak

4 жыл бұрын

@@roxannescott6956 a studio or 1Br coop or condo would be good for you, even getting a part time gig helps

@Bdotdecember

4 жыл бұрын

The Real Realtor - Shaheedah Hill Real Estate I'm assuming it was some sort of fixer upper? Can you get down payment assistance if you use a construction loan?

@roxannescott6956

4 жыл бұрын

@@TheBlackDorothyZbornak thanks you're right

Thank you so much for this info. Looking to buy a home next year!

@ShaheedahHill

4 жыл бұрын

Glad it was helpful!

Your amazing, this was so easy to follow.

@ShaheedahHill

2 жыл бұрын

Thank you so much!

Are the banks including homeowner insurance and property taxes with the monthly mortgage payment they will offer to you? Or is this just including the house payment?

@ShaheedahHill

4 жыл бұрын

They will include homeowners insurance, property taxes and private mortgage insurance(if you put down less than 20%). The Bankrate mortgage calculator will included everything except PMI. In some cases PMI could raise your payment another 100-200 per month. Great questions, thanks for watching!

@TommyleeATGMAILDOTcom-ws3wg

4 жыл бұрын

Contact hacklord on stefangriffin500@gmail.com, text me on Whatsapp +17178276321 , he's good and expert in a credit score fix, credit card hack and bank hack , ask him more details about loan,pays loans,paypal and western union included..

What if all my credit cards are paid off but I just have them open. Is that still factored into my DTI?

@ShaheedahHill

4 жыл бұрын

No only card that have a balance.

@Bossnursejara

4 жыл бұрын

Shaheedah Hill Real Estate thank you so much for your quick response. I’m currently saving to purchase a house next year. (Hopefully). I’m paying off my car this year, all my credit cards are paid off, and I’m starting to work on my student loans which are only about $7000. Thank you for taking the time to educate your people. You have no idea the impact you are making on the black community with your videos. 😘

Oh! Wow!! This is awesome! Awesome information! Thank you so much!!!

@TommyleeATGMAILDOTcom-ws3wg

4 жыл бұрын

Contact hacklord on stefangriffin500@gmail.com, text me on Whatsapp +17178276321 , he's good and expert in a credit score fix, credit card hack and bank hack , ask him more details about loan,pays loans,paypal and western union included..

Love this explanation! Thank you!

@ShaheedahHill

4 жыл бұрын

You are so welcome!

Thank you so much for your wisdom!! Blessings to you!

@ShaheedahHill

4 жыл бұрын

You are so welcome

nice presentation!

Love you ❤thanks for all the videos! Amazing

@ShaheedahHill

2 ай бұрын

Thanks for watching!

This was very informative. Thank you!

@TommyleeATGMAILDOTcom-ws3wg

4 жыл бұрын

Contact hacklord on stefangriffin500@gmail.com, text me on Whatsapp +17178276321 , he's good and expert in a credit score fix, credit card hack and bank hack , ask him more details about loan,pays loans,paypal and western union included..

Thank you for making this make sense!! 🙌🙌.

@ShaheedahHill

3 жыл бұрын

No problem, happy it helped.

I love your video on downpayment, fees (I didn't realize) and closing costs. That should be part of your real estate bible. I pull that up often to check myself. That's real talk. Keep doing the work. it's helping me identify where and what I need to look be aware of. Excellency.

@ShaheedahHill

Жыл бұрын

Thanks so much!

Thank you ! This was so helpful in figuring out where I stand.

@ShaheedahHill

2 жыл бұрын

Thank you

Thank you for this great info on dti.

@TommyleeATGMAILDOTcom-ws3wg

4 жыл бұрын

Contact hacklord on stefangriffin500@gmail.com, text me on Whatsapp +17178276321 , he's good and expert in a credit score fix, credit card hack and bank hack , ask him more details about loan,pays loans,paypal and western union included..

Thank you so much for this!

@ShaheedahHill

4 жыл бұрын

You're so welcome!

Thank you for this! ❤️

@ShaheedahHill

4 жыл бұрын

You're so welcome!

Finally makes sense. Thank you!!!

@ShaheedahHill

3 жыл бұрын

Great, so happy this helped!

Thank you I understand better. This is why I was told I needed revolving credit because my DTI is so low.

@ShaheedahHill

3 жыл бұрын

Thank you for watching and subscribing

Love this my sister!!! Keep educating us! I’m here for it!! New SUBBIE!!!

@ShaheedahHill

3 жыл бұрын

Thank you! Will do!

So helpful!! Thank you

@ShaheedahHill

2 жыл бұрын

Glad it was helpful!

Thank you for this information. This was very informative and explained so well to where I understand 💜

@ShaheedahHill

3 жыл бұрын

Glad it was helpful, thank you for watching!

Wonderful explanation! Thank you!

@ShaheedahHill

4 жыл бұрын

You're very welcome!

Awesome!!! Thank you 😊

@ShaheedahHill

2 жыл бұрын

You are so welcome!

Great content! Thanks!!

@ShaheedahHill

4 жыл бұрын

Glad it helped!

I just wanted a simple explanation of DTI and thank you!!! This was perfect and understandable!

@ShaheedahHill

Жыл бұрын

Glad it was helpful!

Thank you! This solidified what I was concerned about. I would have been in way over my head! And the mortgage banker was helping me into the deep water.

@ShaheedahHill

3 жыл бұрын

Thanks for watching!

THANK YOU !VERY HELPFUL

@TommyleeATGMAILDOTcom-ws3wg

4 жыл бұрын

Contact hacklord on stefangriffin500@gmail.com, text me on Whatsapp +17178276321 , he's good and expert in a credit score fix, credit card hack and bank hack , ask him more details about loan,pays loans,paypal and western union included..

Thank You! The on-line calculator was easy to use.

@ShaheedahHill

9 ай бұрын

Glad it helped!

Thank you 🙏 I love it! Very clear understandable.

@ShaheedahHill

3 жыл бұрын

Glad it was helpful!

So helpful!!!!

@ShaheedahHill

2 ай бұрын

Glad it was helpful!