1
00:00:00,080 --> 00:00:03,400
Speaker 1: Weight loss solutions are not one size fits all. Hers

2
00:00:03,480 --> 00:00:05,720
Speaker 1: makes it simpler to get started and stick with a

3
00:00:05,760 --> 00:00:09,240
Speaker 1: weight loss plan backed by expert guided online care that

4
00:00:09,320 --> 00:00:12,560
Speaker 1: puts your weight loss goals first. These include oral medication

5
00:00:12,720 --> 00:00:16,919
Speaker 1: kits or compounded GLP one injections through Hers. Pricing for

6
00:00:17,079 --> 00:00:19,759
Speaker 1: oral medication kits start at just sixty nine dollars a

7
00:00:19,800 --> 00:00:21,959
Speaker 1: month for a ten month plan when paid in full

8
00:00:22,040 --> 00:00:25,400
Speaker 1: up front. No hidden fees, no membership fees. You shouldn't

9
00:00:25,440 --> 00:00:27,560
Speaker 1: have to go out of your way to feel like yourself.

10
00:00:27,640 --> 00:00:30,880
Speaker 1: Hers brings expert care straight to you with one hundred

11
00:00:30,880 --> 00:00:34,400
Speaker 1: percent online access to personalized treatment plans that puts your

12
00:00:34,479 --> 00:00:38,000
Speaker 1: goals first. Reach your weight loss goals with help through Hers.

13
00:00:38,159 --> 00:00:41,159
Speaker 1: Get started at for hers dot com slash for you

14
00:00:41,400 --> 00:00:45,159
Speaker 1: to access affordable, doctor trusted weight loss plans. That's for

15
00:00:45,320 --> 00:00:48,479
Speaker 1: hers dot com slash for you, f O r h

16
00:00:48,840 --> 00:00:51,680
Speaker 1: ers dot com slash for you paid for by hymns

17
00:00:51,680 --> 00:00:53,760
Speaker 1: and Hers Health. Weight loss by Hers is not available everywhere.

18
00:00:53,800 --> 00:00:56,760
Speaker 1: Compounded products are not FDA approved or verified for safety, effectiveness,

19
00:00:56,840 --> 00:00:59,880
Speaker 1: or quality. Prescription required restrictions at for hers dot com apply.

20
00:01:00,200 --> 00:01:02,760
Speaker 2: So we got a lot of entrepreneurs that listen and

21
00:01:02,880 --> 00:01:05,800
Speaker 2: obviously people have their personal credit and a lot of

22
00:01:05,800 --> 00:01:08,560
Speaker 2: these entrepreneurs hubs apply for business credit. Can you talk

23
00:01:08,600 --> 00:01:10,880
Speaker 2: to them about the importance and the impact that your

24
00:01:10,920 --> 00:01:13,440
Speaker 2: personal credit can have on your business and how long

25
00:01:13,480 --> 00:01:16,160
Speaker 2: it takes to establish a healthy business credit loan.

26
00:01:17,040 --> 00:01:19,400
Speaker 3: Yeah, And the great thing is the impact that it

27
00:01:19,480 --> 00:01:22,920
Speaker 3: could have. Man is like you know, that's the main

28
00:01:23,040 --> 00:01:26,360
Speaker 3: reason why got credit entered back into the world of

29
00:01:26,400 --> 00:01:28,199
Speaker 3: business credit. You know, we did it back in the day.

30
00:01:28,440 --> 00:01:30,200
Speaker 3: We didn't we didn't know that there was a need

31
00:01:30,200 --> 00:01:33,320
Speaker 3: for it. But just like Ian sev four, you know,

32
00:01:33,560 --> 00:01:36,400
Speaker 3: a lot of entrepreneurs were born. You know, a lot

33
00:01:36,400 --> 00:01:40,360
Speaker 3: of people started businesses over these last couple of years,

34
00:01:40,400 --> 00:01:42,400
Speaker 3: and there's going to be more. Now. Here's the thing.

35
00:01:42,560 --> 00:01:44,399
Speaker 3: If you have great credit. I wish I would have

36
00:01:44,400 --> 00:01:47,240
Speaker 3: known this when I opened my business back in twenty ten.

37
00:01:47,920 --> 00:01:51,640
Speaker 3: Instead of using your personal credit to start your business

38
00:01:51,720 --> 00:01:54,040
Speaker 3: or to grow your business, you could do it with

39
00:01:54,080 --> 00:01:56,160
Speaker 3: you know, you're going to get an inquiry anyway. And

40
00:01:56,160 --> 00:01:57,920
Speaker 3: here's the thing. Everybody always says, Oh, I don't want

41
00:01:57,920 --> 00:01:59,320
Speaker 3: to do business. I don't want to do a PG,

42
00:01:59,480 --> 00:02:01,640
Speaker 3: which is a personal guarantee. Oh I don't want to

43
00:02:01,640 --> 00:02:03,960
Speaker 3: do a personal credit check for that credit card. Well,

44
00:02:04,000 --> 00:02:05,800
Speaker 3: weren't you going to do the credit check for your

45
00:02:05,920 --> 00:02:08,120
Speaker 3: personal anyway, Like, weren't you going to apply for that

46
00:02:08,200 --> 00:02:11,200
Speaker 3: car on your personal credit anyway? So here's the thing.

47
00:02:11,840 --> 00:02:12,120
Speaker 1: Start.

48
00:02:12,200 --> 00:02:14,040
Speaker 3: Let if you're a new business or you have no

49
00:02:14,120 --> 00:02:17,080
Speaker 3: business credit, but you have great business credit, you could

50
00:02:17,160 --> 00:02:20,480
Speaker 3: use that to leverage business credit. You were already going

51
00:02:20,520 --> 00:02:21,840
Speaker 3: to apply for a credit card.

52
00:02:21,800 --> 00:02:24,000
Speaker 4: Use your personal credit to leverage the business credit.

53
00:02:23,840 --> 00:02:26,560
Speaker 3: Right And that's the importance is that you can use

54
00:02:26,600 --> 00:02:28,320
Speaker 3: it you were. So here's the thing. If you were

55
00:02:28,320 --> 00:02:30,520
Speaker 3: going to get an American Express credit card and you've

56
00:02:30,639 --> 00:02:33,520
Speaker 3: never had one before, but you were gonna get one

57
00:02:33,520 --> 00:02:35,919
Speaker 3: on your personal credit, and you know you're going to

58
00:02:35,960 --> 00:02:38,840
Speaker 3: open a business, don't get an American Express on your

59
00:02:38,880 --> 00:02:42,120
Speaker 3: personal credit. Just open your LLC and get that American

60
00:02:42,160 --> 00:02:44,600
Speaker 3: Express on the business side you were already going to

61
00:02:44,639 --> 00:02:46,560
Speaker 3: do with Inkory anyway. But now the great thing is

62
00:02:47,000 --> 00:02:50,480
Speaker 3: that doesn't show you want to maintain and keep that

63
00:02:50,960 --> 00:02:52,639
Speaker 3: seven fifty. And the thing is, you know, I wore

64
00:02:52,680 --> 00:02:54,600
Speaker 3: the new balances to the kickball game, you know what

65
00:02:54,680 --> 00:02:56,639
Speaker 3: I mean? And I do appreciate you guys being there.

66
00:02:56,800 --> 00:02:59,040
Speaker 3: It meant so much to have you guys there, and

67
00:02:59,320 --> 00:03:02,520
Speaker 3: I wore the white new balances because you know, the

68
00:03:02,600 --> 00:03:04,680
Speaker 3: thing is, you could you could have a three thousand

69
00:03:04,720 --> 00:03:07,520
Speaker 3: dollars outfit on and get denied for a five hundred

70
00:03:07,520 --> 00:03:09,560
Speaker 3: dollars credit card, you know, which we see a lot.

71
00:03:10,000 --> 00:03:11,600
Speaker 3: And the thing is, it's like, you want to have

72
00:03:11,639 --> 00:03:14,079
Speaker 3: a three thousand dollars outfit, that's great, but just make

73
00:03:14,120 --> 00:03:15,959
Speaker 3: sure that you know that you can either put it

74
00:03:16,040 --> 00:03:18,520
Speaker 3: on a credit card or get approved for a credit

75
00:03:18,600 --> 00:03:21,079
Speaker 3: card with the same amount. And I wore the new

76
00:03:21,120 --> 00:03:24,399
Speaker 3: balances because that signifies good credit. You know, you see,

77
00:03:24,440 --> 00:03:26,359
Speaker 3: you know, you see the older guys with those new

78
00:03:26,360 --> 00:03:28,480
Speaker 3: balances like, oh my god, yeah, that guy got good credit.

79
00:03:29,320 --> 00:03:31,440
Speaker 3: But the thing is is if you use your personal

80
00:03:31,480 --> 00:03:34,760
Speaker 3: credit to leverage and to get more business credit, even

81
00:03:34,800 --> 00:03:37,000
Speaker 3: in the first two years of business, think about it,

82
00:03:37,880 --> 00:03:41,119
Speaker 3: You're never going to have bad credit because you're never

83
00:03:41,120 --> 00:03:43,800
Speaker 3: going to have debt on your personal credit. And I

84
00:03:43,800 --> 00:03:46,440
Speaker 3: think that's the biggest thing where people don't realize that

85
00:03:46,800 --> 00:03:49,160
Speaker 3: you might have to do a personal guarantee, you might

86
00:03:49,200 --> 00:03:51,320
Speaker 3: have to get a personal credit check, you might have

87
00:03:51,360 --> 00:03:53,520
Speaker 3: to run your credit the first couple of times. But

88
00:03:53,600 --> 00:03:56,520
Speaker 3: guess what four years later down the road, you might

89
00:03:56,560 --> 00:03:58,320
Speaker 3: not have to, you know what I mean. And I

90
00:03:58,320 --> 00:03:59,960
Speaker 3: think that's the most powerful thing when it comes to

91
00:04:00,440 --> 00:04:01,640
Speaker 3: personal and business credit.

92
00:04:02,760 --> 00:04:05,240
Speaker 5: What are like the two biggest mistakes you see entrepreneurs

93
00:04:05,320 --> 00:04:08,320
Speaker 5: making when they're trying to establish their business credit.

94
00:04:09,720 --> 00:04:13,520
Speaker 3: I would say the probably the most the biggest one,

95
00:04:13,640 --> 00:04:16,520
Speaker 3: and it's the simplest is using their home address for everything.

96
00:04:17,720 --> 00:04:20,200
Speaker 3: It's the easiest change you could do. You know, get

97
00:04:20,200 --> 00:04:23,280
Speaker 3: a virtual address. Go to Regis, go to Opus, you know,

98
00:04:23,480 --> 00:04:27,279
Speaker 3: get an actual business address if you don't have a

99
00:04:27,320 --> 00:04:28,920
Speaker 3: brick and mortar, so like, if you have a brick

100
00:04:28,960 --> 00:04:31,960
Speaker 3: and mortar building, use that address. You know what I mean.

101
00:04:32,480 --> 00:04:34,720
Speaker 3: If you open your business with your home address and

102
00:04:34,760 --> 00:04:36,560
Speaker 3: you end up getting a brick and mortar a year

103
00:04:36,600 --> 00:04:39,160
Speaker 3: down the road, change the address, Change you with the irs,

104
00:04:39,279 --> 00:04:41,159
Speaker 3: change you with the state, Change it with your bank account,

105
00:04:41,200 --> 00:04:44,559
Speaker 3: change you with all your vendors, all your creditors right now,

106
00:04:44,760 --> 00:04:48,400
Speaker 3: even now, if you don't have a home address when

107
00:04:48,440 --> 00:04:50,560
Speaker 3: you started your business and you're starting a fresh get

108
00:04:50,560 --> 00:04:52,560
Speaker 3: the virtual address first. And the reason why I say

109
00:04:52,560 --> 00:04:54,880
Speaker 3: this is the most common thing is because you know,

110
00:04:54,880 --> 00:04:57,960
Speaker 3: with credit being such a risk factor, you know, if

111
00:04:58,000 --> 00:05:01,360
Speaker 3: you're a pizzeria and you're using your home address for everything, like,

112
00:05:01,560 --> 00:05:03,359
Speaker 3: it looks a little you know, it looks a little suspicious,

113
00:05:03,360 --> 00:05:04,680
Speaker 3: like wait a minute, you're making the pieches in your

114
00:05:04,720 --> 00:05:06,680
Speaker 3: living room or you're making them at the shop. You know,

115
00:05:06,760 --> 00:05:09,080
Speaker 3: if you're a landscaper, if you're a plumber, you know,

116
00:05:09,200 --> 00:05:12,560
Speaker 3: using your home address is the biggest thing. And I

117
00:05:12,600 --> 00:05:14,240
Speaker 3: say the second biggest thing that I would say that

118
00:05:14,279 --> 00:05:17,160
Speaker 3: people make mistakes on is using too much of their

119
00:05:17,200 --> 00:05:20,159
Speaker 3: personal credit when they have good credit instead of actually

120
00:05:20,240 --> 00:05:23,960
Speaker 3: using business credit cards. So and I'll explain what that means.

121
00:05:24,080 --> 00:05:27,360
Speaker 3: Is like, if you have a fifteen thousand dollars Capital

122
00:05:27,360 --> 00:05:29,960
Speaker 3: One credit card, right or a Chase credit card or

123
00:05:29,960 --> 00:05:32,840
Speaker 3: American Express credit card, you can get that in the

124
00:05:32,920 --> 00:05:36,160
Speaker 3: business name. And let's say, as an entrepreneur, you know

125
00:05:36,320 --> 00:05:38,360
Speaker 3: in the beginning, when you first start your business, you

126
00:05:38,360 --> 00:05:40,640
Speaker 3: have expenses, you have health insurance, you have payroll, you

127
00:05:40,720 --> 00:05:43,560
Speaker 3: have you know, costs, you have computers, whatever case is.

128
00:05:43,960 --> 00:05:46,359
Speaker 3: But if you put that all on a personal credit

129
00:05:46,360 --> 00:05:48,520
Speaker 3: card when you first start your business, you know what happens,

130
00:05:48,720 --> 00:05:51,240
Speaker 3: even if you have nothing negative, you just put fifteen

131
00:05:51,279 --> 00:05:54,400
Speaker 3: twenty thousand dollars on a credit card, your score goes down. Now,

132
00:05:54,440 --> 00:05:56,160
Speaker 3: if you need to use your credit for something else

133
00:05:56,200 --> 00:05:58,440
Speaker 3: down the road, you can't because your credit score just

134
00:05:58,440 --> 00:06:00,760
Speaker 3: went down eighty to one hundred poin point. So now

135
00:06:01,000 --> 00:06:05,080
Speaker 3: you're putting yourself in a disadvantage by not leveraging or

136
00:06:05,200 --> 00:06:07,919
Speaker 3: using business credit. You know, if you put that fifteen

137
00:06:07,960 --> 00:06:10,960
Speaker 3: twenty thousand dollars on your business credit cards that doesn't

138
00:06:11,000 --> 00:06:13,200
Speaker 3: show up on your personal you can rack up thirty

139
00:06:13,240 --> 00:06:15,360
Speaker 3: forty fifty thousand dollars. Your score is never going to

140
00:06:15,440 --> 00:06:17,800
Speaker 3: go down, you know what I mean? So not using

141
00:06:17,920 --> 00:06:20,800
Speaker 3: a virtual address or a business address is the one,

142
00:06:21,200 --> 00:06:23,520
Speaker 3: and then using their personal debt. Now here's the thing.

143
00:06:24,560 --> 00:06:26,120
Speaker 3: What if you can't get a proof for business credit

144
00:06:26,200 --> 00:06:28,600
Speaker 3: cards all right? Then no, you have to use your

145
00:06:28,600 --> 00:06:31,440
Speaker 3: personal credit cards to start and then just know, come

146
00:06:31,480 --> 00:06:33,400
Speaker 3: to the business side of the business credit cards later.

147
00:06:33,480 --> 00:06:36,280
Speaker 3: So don't be afraid. But if you have access to it,

148
00:06:36,320 --> 00:06:38,920
Speaker 3: definitely use the business credit cards versus a personal.

149
00:06:39,480 --> 00:06:44,000
Speaker 6: So another column misconception, correct me if I'm wrong, is

150
00:06:44,839 --> 00:06:46,120
Speaker 6: in order to get business credit, you.

151
00:06:46,080 --> 00:06:49,560
Speaker 4: Don't necessarily have to make money as a business. Right.

152
00:06:49,640 --> 00:06:52,040
Speaker 4: You can get business credit without making a profit as

153
00:06:52,040 --> 00:06:53,000
Speaker 4: a business.

154
00:06:52,600 --> 00:06:57,320
Speaker 3: Correct, Right, and there's a lot of you know, a

155
00:06:57,320 --> 00:07:00,400
Speaker 3: lot of people tiptoe in the gray area of that

156
00:07:00,800 --> 00:07:03,520
Speaker 3: because what they'll do is their business has zero revenue,

157
00:07:03,520 --> 00:07:05,560
Speaker 3: but they'll put that they make one hundred and eighty thousand.

158
00:07:06,440 --> 00:07:08,600
Speaker 3: Don't do that, you know what I mean, you could,

159
00:07:08,640 --> 00:07:10,680
Speaker 3: you could put business.

160
00:07:11,040 --> 00:07:13,200
Speaker 6: Don't don't do that because there's been an uptick in

161
00:07:13,440 --> 00:07:15,960
Speaker 6: unanthropized FBI agents.

162
00:07:16,240 --> 00:07:18,080
Speaker 4: Yeah, don't want to these days.

163
00:07:18,120 --> 00:07:22,800
Speaker 6: So yeah, don't don't do any fraudulent behavior, but explain,

164
00:07:23,120 --> 00:07:24,440
Speaker 6: explain the correct way to do it.

165
00:07:24,680 --> 00:07:26,840
Speaker 3: And the thing is so like, let's say, if you

166
00:07:26,840 --> 00:07:29,640
Speaker 3: know you have a business, right you're starting a business

167
00:07:29,720 --> 00:07:32,400
Speaker 3: and you're applying for your first business credit card, whether

168
00:07:32,440 --> 00:07:35,600
Speaker 3: it's American Express, Chase, doesn't matter what it is, right,

169
00:07:35,640 --> 00:07:39,640
Speaker 3: and it says business revenue. It also acts for your

170
00:07:39,640 --> 00:07:43,720
Speaker 3: personal revenue. So if your personal revenue on W two

171
00:07:44,000 --> 00:07:47,880
Speaker 3: on provable income is eighty thousand, put eighty thousand. Don't

172
00:07:47,920 --> 00:07:49,520
Speaker 3: put one hundred thousand if you know you're not going

173
00:07:49,600 --> 00:07:51,200
Speaker 3: to make an extra twenty thousand dollars that year. To

174
00:07:51,240 --> 00:07:54,600
Speaker 3: back it up. Now, on the business side, right one,

175
00:07:54,720 --> 00:07:57,640
Speaker 3: always concerned with your account and your attorney whenever you

176
00:07:57,960 --> 00:08:00,400
Speaker 3: have any questions when it comes to like income. The

177
00:08:00,440 --> 00:08:03,240
Speaker 3: thing is though, is like let's say if you know

178
00:08:03,680 --> 00:08:07,680
Speaker 3: you are you have projects lined up, you have guaranteed contracts,

179
00:08:07,720 --> 00:08:11,800
Speaker 3: right so, you haven't made any money right now, you

180
00:08:11,840 --> 00:08:14,280
Speaker 3: haven't made any money today. But if you know within

181
00:08:14,320 --> 00:08:17,080
Speaker 3: the next twelve months you have a guaranteed contract coming

182
00:08:17,120 --> 00:08:19,960
Speaker 3: in of like eighty thousand, one hundred thousand, or whatever

183
00:08:20,000 --> 00:08:22,680
Speaker 3: the case is, you know that could be attacked that

184
00:08:22,720 --> 00:08:24,720
Speaker 3: you can use. And like I said, get with your accountant,

185
00:08:24,720 --> 00:08:28,320
Speaker 3: because now that's future receivables. You haven't actually received it yet.

186
00:08:28,960 --> 00:08:31,560
Speaker 3: But if you don't have anything, put zero. And so

187
00:08:31,680 --> 00:08:33,199
Speaker 3: what if you get a proof for a ten thousand

188
00:08:33,200 --> 00:08:34,520
Speaker 3: dollars credit card? At least you got to prove for

189
00:08:34,559 --> 00:08:37,000
Speaker 3: a credit card. The people the reason why people put

190
00:08:37,000 --> 00:08:39,600
Speaker 3: a higher limit is that way they can get I mean,

191
00:08:39,640 --> 00:08:41,440
Speaker 3: the higher amount is so they can get a higher limit.

192
00:08:41,720 --> 00:08:43,280
Speaker 3: Don't do it, you know what I mean, Because then

193
00:08:43,600 --> 00:08:46,360
Speaker 3: it's like gray area. You know you're gonna start tell oh, yeah,

194
00:08:46,400 --> 00:08:48,480
Speaker 3: put eighty thousand, putt ninety and you didn't really make it.

195
00:08:48,800 --> 00:08:50,520
Speaker 3: What happens when they say, hey, man, you know what,

196
00:08:50,559 --> 00:08:51,840
Speaker 3: we want to see a copy of your p and

197
00:08:51,920 --> 00:08:55,400
Speaker 3: L statement, your TAXI terms, which business, which business accounts

198
00:08:55,400 --> 00:08:58,679
Speaker 3: can do, business credit cards can do. What happens when

199
00:08:58,720 --> 00:09:00,200
Speaker 3: you don't even have a P and L statement, which

200
00:09:00,240 --> 00:09:02,160
Speaker 3: is a profit and law statement for your business. What

201
00:09:02,240 --> 00:09:04,679
Speaker 3: happens when you don't even have a bank account or

202
00:09:04,760 --> 00:09:06,520
Speaker 3: need revenue you know what I mean? They can shut

203
00:09:06,559 --> 00:09:09,720
Speaker 3: you down, flag you. So it's like never tiptoe in

204
00:09:09,760 --> 00:09:11,800
Speaker 3: the gray area. If you have to question it, don't

205
00:09:11,800 --> 00:09:13,880
Speaker 3: do it. So if you don't make if you're starting

206
00:09:13,880 --> 00:09:17,320
Speaker 3: your business and it's no revenue but zero, it's the

207
00:09:17,360 --> 00:09:17,920
Speaker 3: best thing to do.

208
00:09:18,320 --> 00:09:20,680
Speaker 6: Like you said, Also, what people fail and realize is

209
00:09:20,720 --> 00:09:26,079
Speaker 6: that most people that start businesses they have a job,

210
00:09:26,679 --> 00:09:31,040
Speaker 6: like very rarely just go cold turkey and start a

211
00:09:31,080 --> 00:09:34,559
Speaker 6: business that makes no revenue, and because then you'll be homeless. Right,

212
00:09:34,880 --> 00:09:38,319
Speaker 6: So it's like they're going to use your personal information anyway.

213
00:09:38,960 --> 00:09:42,200
Speaker 6: So you list your personal information as far as like

214
00:09:42,559 --> 00:09:45,440
Speaker 6: how much you're actually making at your job or how

215
00:09:45,520 --> 00:09:48,920
Speaker 6: much you're making you know, salary or whatever. So like

216
00:09:48,960 --> 00:09:50,680
Speaker 6: you said, if you're making one hundred and twenty thousand

217
00:09:50,679 --> 00:09:52,920
Speaker 6: dollars a year, if you have an eight hundred, I'm

218
00:09:52,920 --> 00:09:55,079
Speaker 6: just using it. If you have an eight hundred credit score.

219
00:09:55,559 --> 00:09:58,360
Speaker 6: Your business might not be that profitable, but they still

220
00:09:58,480 --> 00:10:01,760
Speaker 6: might link. They still might open up business credit for

221
00:10:01,840 --> 00:10:03,920
Speaker 6: you based off of your personal profile.

222
00:10:04,240 --> 00:10:05,640
Speaker 4: Right, have one.

223
00:10:05,600 --> 00:10:08,880
Speaker 6: Hundred thousand dollars saved? Like these are things that you know.

224
00:10:09,120 --> 00:10:11,880
Speaker 6: A ten thousand dollars line of credit is not going

225
00:10:11,920 --> 00:10:15,559
Speaker 6: to pretty much be detrimental five thousand dollars and it

226
00:10:15,640 --> 00:10:16,319
Speaker 6: might not be a lot.

227
00:10:16,360 --> 00:10:18,360
Speaker 4: But like you said, than nothing.

228
00:10:18,720 --> 00:10:22,080
Speaker 6: So it doesn't necessarily mean that just because you have

229
00:10:22,160 --> 00:10:25,680
Speaker 6: no business income, that you have no income. Right, most,

230
00:10:25,720 --> 00:10:28,520
Speaker 6: but a lot of people aren't entrepreneurs, so they always

231
00:10:28,520 --> 00:10:30,000
Speaker 6: look at the most pestimistic thing.

232
00:10:31,200 --> 00:10:33,640
Speaker 7: Earners, what's up? You ever walk into a small business

233
00:10:33,640 --> 00:10:36,800
Speaker 7: and everything just works, Like, the checkout is fast, the

234
00:10:36,840 --> 00:10:40,719
Speaker 7: receipts are digital, tipping is a breeze, and you're out

235
00:10:40,760 --> 00:10:44,000
Speaker 7: the door before the line even builds. Odds are they're

236
00:10:44,160 --> 00:10:47,640
Speaker 7: using Square? We love supporting businesses that run on Square

237
00:10:47,679 --> 00:10:50,800
Speaker 7: because it just feels seamless. Whether it's a local coffee shop,

238
00:10:51,000 --> 00:10:53,520
Speaker 7: a vendor at a pop up market, or even one

239
00:10:53,559 --> 00:10:56,640
Speaker 7: of our merch partners. Square makes it easy for them

240
00:10:56,679 --> 00:11:00,640
Speaker 7: to take payments, manage inventory, and run their business with confidence,

241
00:11:01,000 --> 00:11:04,320
Speaker 7: all from one simple system. If you're a business owner

242
00:11:04,480 --> 00:11:07,920
Speaker 7: or even just thinking about launching something soon, Square is

243
00:11:08,000 --> 00:11:10,080
Speaker 7: hands down one of the best tools out there to

244
00:11:10,120 --> 00:11:14,040
Speaker 7: help you start, run, and grow. It's not just about payments,

245
00:11:14,440 --> 00:11:17,080
Speaker 7: it's about giving you time back so you can focus

246
00:11:17,120 --> 00:11:19,839
Speaker 7: on what matters most ready. To see how Square can

247
00:11:19,880 --> 00:11:24,679
Speaker 7: transform your business, visit Square dot com backslash, go backslash

248
00:11:24,760 --> 00:11:28,920
Speaker 7: eyl to learn more that Square dot com backslash, go

249
00:11:29,360 --> 00:11:33,560
Speaker 7: backslash eyl. Don't wait, don't hesitate, Let Square handle the

250
00:11:33,600 --> 00:11:38,360
Speaker 7: back end so you can keep pushing your vision forward.

251
00:11:39,720 --> 00:11:41,960
Speaker 7: This episode is brought to you by P and C Bank.

252
00:11:42,360 --> 00:11:45,120
Speaker 7: A lot of people think podcasts about work are boring,

253
00:11:45,360 --> 00:11:49,199
Speaker 7: and sure, they definitely can be, but understanding a professionals

254
00:11:49,280 --> 00:11:52,520
Speaker 7: routine shows us how they achieve their success little by little,

255
00:11:52,920 --> 00:11:56,560
Speaker 7: day after day. It's like banking with P and C Bank.

256
00:11:57,040 --> 00:11:59,800
Speaker 7: It might seem boring to save, plan and make calculated

257
00:12:00,040 --> 00:12:02,960
Speaker 7: visions with your bank, but keeping your money boring is

258
00:12:02,960 --> 00:12:06,320
Speaker 7: what helps you live or more happily fulfilled life. P

259
00:12:06,440 --> 00:12:11,240
Speaker 7: and C Bank Brilliantly boring since eighteen sixty five. Brilliantly

260
00:12:11,320 --> 00:12:13,920
Speaker 7: boring since eighteen sixty five is a service mark of

261
00:12:13,960 --> 00:12:17,200
Speaker 7: the PNC Financial Service Group, Inc. P and C Bank

262
00:12:17,640 --> 00:12:19,840
Speaker 7: National Association Member FDIC.

263
00:12:22,000 --> 00:12:25,920
Speaker 8: You just realized your business needed to hire someone yesterday.

264
00:12:26,400 --> 00:12:31,160
Speaker 8: How can you find amazing candidates fast? Easy? Just use Indeed.

265
00:12:31,559 --> 00:12:34,280
Speaker 8: Stop struggling to get your job posts seen on other

266
00:12:34,400 --> 00:12:38,080
Speaker 8: job sites. With Indeed sponsored jobs, your post jumps to

267
00:12:38,120 --> 00:12:40,640
Speaker 8: the top of the page for your relevant candidates, so

268
00:12:40,760 --> 00:12:43,720
Speaker 8: you can reach the people you want faster. According to

269
00:12:43,800 --> 00:12:47,760
Speaker 8: Indeed data, sponsored jobs posted directly on Indeed have forty

270
00:12:47,760 --> 00:12:51,680
Speaker 8: five percent more applications than non sponsored jobs. Don't wait

271
00:12:51,679 --> 00:12:55,160
Speaker 8: any longer, speed up your hiring right now with Indeed,

272
00:12:55,559 --> 00:12:57,800
Speaker 8: and listeners of this show will get a seventy five

273
00:12:57,880 --> 00:13:01,080
Speaker 8: dollars sponsored job credit to get your job more visibility

274
00:13:01,240 --> 00:13:06,920
Speaker 8: at indeed dot com slash pod katz thirteen. Just go

275
00:13:07,000 --> 00:13:11,760
Speaker 8: to Indeed dot com slash pod katz thirteen right now

276
00:13:12,080 --> 00:13:14,679
Speaker 8: and support our show by saying you heard about Indeed

277
00:13:14,679 --> 00:13:19,400
Speaker 8: on this podcast. Terms and conditions apply. Hiring Indeed is all.

278
00:13:19,280 --> 00:13:20,679
Speaker 4: You need possible.

279
00:13:20,720 --> 00:13:23,040
Speaker 6: And then like, of course, if you have no business income,

280
00:13:23,160 --> 00:13:24,440
Speaker 6: then how could you list income.

281
00:13:24,520 --> 00:13:25,040
Speaker 4: That's fraud.

282
00:13:25,320 --> 00:13:28,440
Speaker 6: Obviously, if you have no business income, you probably have

283
00:13:28,559 --> 00:13:29,880
Speaker 6: some sort of other income.

284
00:13:30,360 --> 00:13:32,600
Speaker 4: Sometimes life you just have to use common sense, right,

285
00:13:33,320 --> 00:13:37,560
Speaker 4: if you have to comment anymore. So, so just you know,

286
00:13:37,840 --> 00:13:39,040
Speaker 4: just just think about it.

287
00:13:39,080 --> 00:13:43,240
Speaker 6: But like I said, start in a business that can

288
00:13:43,280 --> 00:13:46,000
Speaker 6: be discouraging and doesn't necessarily mean that you're not going

289
00:13:46,080 --> 00:13:47,760
Speaker 6: to be able to get a million dollars probably, but

290
00:13:48,000 --> 00:13:49,360
Speaker 6: you might be able to get a couple of thousand,

291
00:13:49,400 --> 00:13:51,120
Speaker 6: and then you use that and then that helps build

292
00:13:51,120 --> 00:13:51,960
Speaker 6: your profile as well.

293
00:13:52,400 --> 00:13:52,600
Speaker 4: Right.

294
00:13:52,880 --> 00:13:55,080
Speaker 3: And the great thing is once you start making money,

295
00:13:55,480 --> 00:13:57,800
Speaker 3: and if you ever want a credit limit increase, you know,

296
00:13:57,880 --> 00:14:01,000
Speaker 3: for instance, like American Express, right, even if you have

297
00:14:01,040 --> 00:14:03,680
Speaker 3: a charge card with no limit, but you have a

298
00:14:03,720 --> 00:14:06,720
Speaker 3: preset spending limit of let's say fifty thousand dollars, sixty

299
00:14:06,720 --> 00:14:10,640
Speaker 3: thousand dollars. Whenever you request a limit increase with American Express,

300
00:14:11,160 --> 00:14:13,000
Speaker 3: a lot of the times they're going to request a

301
00:14:13,040 --> 00:14:16,800
Speaker 3: bank statement, a profit and law statement. Financials write things

302
00:14:16,880 --> 00:14:18,840
Speaker 3: like that tax return. So let's say if you do

303
00:14:18,920 --> 00:14:21,760
Speaker 3: start off with ten thousand dollars, twenty thousand dollars, just

304
00:14:21,840 --> 00:14:24,200
Speaker 3: keep using it, keep using it, and then every six

305
00:14:24,280 --> 00:14:26,320
Speaker 3: months just asks for limit increase and be like, hey, listen,

306
00:14:26,360 --> 00:14:28,640
Speaker 3: when I started off, I didn't have any revenue, but

307
00:14:28,680 --> 00:14:31,080
Speaker 3: guess what my business blew up. I made three hundred

308
00:14:31,080 --> 00:14:34,080
Speaker 3: thousand dollars in the last six months because of leveraging

309
00:14:34,120 --> 00:14:36,080
Speaker 3: your card. Is there any way you guys can give

310
00:14:36,120 --> 00:14:38,200
Speaker 3: me a limit increase? You can request the amount when

311
00:14:38,280 --> 00:14:41,160
Speaker 3: you when you request and increase your precess spending limit

312
00:14:41,200 --> 00:14:43,600
Speaker 3: with an American Express, you can put the amount and if

313
00:14:43,600 --> 00:14:47,400
Speaker 3: your financials justify that limit, they'll give it to you.

314
00:14:47,400 --> 00:14:49,280
Speaker 3: You know what I mean. That's the best thing is

315
00:14:49,280 --> 00:14:51,680
Speaker 3: you don't got to lie in an application because it's

316
00:14:51,720 --> 00:14:53,960
Speaker 3: better to start it off right and then work your

317
00:14:53,960 --> 00:14:56,280
Speaker 3: way up. Because what if I give you right now,

318
00:14:56,440 --> 00:14:59,360
Speaker 3: if American Express gives you a three hundred thousand dollars

319
00:14:59,400 --> 00:15:03,000
Speaker 3: credit card, you have no revenue, then you max it out,

320
00:15:03,120 --> 00:15:04,920
Speaker 3: then what happens how you're going to pay it back?

321
00:15:05,240 --> 00:15:07,320
Speaker 4: That's the why I want to go to those because

322
00:15:07,440 --> 00:15:08,120
Speaker 4: that's the other part.

323
00:15:08,200 --> 00:15:10,960
Speaker 2: Right, you might get that credit increase right you max

324
00:15:11,040 --> 00:15:13,760
Speaker 2: it out, but then there becomes the negligence and so

325
00:15:13,840 --> 00:15:16,400
Speaker 2: now when the payments are due, you can't payment pay

326
00:15:16,400 --> 00:15:16,720
Speaker 2: it right.

327
00:15:16,760 --> 00:15:18,560
Speaker 4: And so when you do that on the personal side,

328
00:15:18,720 --> 00:15:20,960
Speaker 4: your credit score goes down. But then the business side

329
00:15:21,240 --> 00:15:23,160
Speaker 4: correct me if I'm wrong. But your Dune's number gets

330
00:15:23,200 --> 00:15:25,560
Speaker 4: to effected, right, do you explain with that process?

331
00:15:25,840 --> 00:15:32,400
Speaker 3: Yeah, So typically the majority of your credit cards will

332
00:15:32,520 --> 00:15:36,520
Speaker 3: actually report to Experience Business, and then your other net

333
00:15:36,560 --> 00:15:40,040
Speaker 3: thirties and vehicles will typically report to done in Bradstreet, right,

334
00:15:40,080 --> 00:15:42,680
Speaker 3: So good and bad thing is The bad thing is

335
00:15:42,720 --> 00:15:48,120
Speaker 3: that typically American Express or like Visa Master cards won't

336
00:15:48,160 --> 00:15:50,480
Speaker 3: report to dune in Bradstreet. I'm not saying all of them,

337
00:15:50,720 --> 00:15:53,000
Speaker 3: but typically a lot of them won't, which is good.

338
00:15:53,000 --> 00:15:55,800
Speaker 3: And that's your dun's number, and that's your paid explore. Right.

339
00:15:55,840 --> 00:15:58,800
Speaker 3: So you know you have Equifax Experience TransUnion in the

340
00:15:58,800 --> 00:16:02,240
Speaker 3: personal side. On the business side, you have Equifax Business,

341
00:16:02,360 --> 00:16:05,200
Speaker 3: Experience Business, and then you have done in Brasstreet. So

342
00:16:05,480 --> 00:16:07,600
Speaker 3: that's why we like nab dot com because it does

343
00:16:07,720 --> 00:16:11,680
Speaker 3: track everything, and Experience Business is typically going to have

344
00:16:11,840 --> 00:16:14,880
Speaker 3: like your credit cards, right, they don't report to all

345
00:16:14,920 --> 00:16:18,600
Speaker 3: three like how your regular American Express does. On your

346
00:16:18,600 --> 00:16:21,600
Speaker 3: personal side. You know, it does report to different bureaus

347
00:16:22,000 --> 00:16:24,800
Speaker 3: and they all have different factors. Right, Your Experience Business

348
00:16:24,800 --> 00:16:27,680
Speaker 3: only goes up to one hundred points, and so does

349
00:16:27,680 --> 00:16:30,480
Speaker 3: your Paidex score. It only goes up to one hundred points.

350
00:16:30,640 --> 00:16:33,480
Speaker 3: And typically you'll have anywhere between eighty two one hundred,

351
00:16:33,880 --> 00:16:36,000
Speaker 3: as long as you pay your bills on time, you know.

352
00:16:36,080 --> 00:16:38,200
Speaker 3: So if you pay your bills on time, typically it's

353
00:16:38,240 --> 00:16:40,480
Speaker 3: net thirty. As long as you pay them between one

354
00:16:40,520 --> 00:16:44,680
Speaker 3: in thirty days, you'll have typically an eighty paid X score,

355
00:16:45,040 --> 00:16:47,240
Speaker 3: you know. And the great thing is is that a

356
00:16:47,280 --> 00:16:51,040
Speaker 3: lot of the times the balances won't always affect your

357
00:16:51,080 --> 00:16:54,520
Speaker 3: PAIDEX or your Experience business score, you know. So that's

358
00:16:54,520 --> 00:16:55,920
Speaker 3: a great thing. The thing is, though, if you have

359
00:16:56,120 --> 00:16:58,640
Speaker 3: everything maxed out, then it's going to hurt you. But

360
00:16:58,640 --> 00:17:01,080
Speaker 3: if you have like one or two account it's not

361
00:17:01,080 --> 00:17:02,800
Speaker 3: really going to hurt you as bad as let's say,

362
00:17:02,840 --> 00:17:04,960
Speaker 3: you know, let's say if you have a target credit

363
00:17:04,960 --> 00:17:07,600
Speaker 3: card and that's the only credit card max out on

364
00:17:07,600 --> 00:17:09,880
Speaker 3: your credit report, your score is going to go down,

365
00:17:10,160 --> 00:17:13,320
Speaker 3: even though your overall credit is okay. That one credit

366
00:17:13,400 --> 00:17:15,560
Speaker 3: cards maxed out, it's gonna hurt you. The great thing

367
00:17:15,600 --> 00:17:17,800
Speaker 3: is in the business side, it doesn't affect you like

368
00:17:17,840 --> 00:17:18,400
Speaker 3: the same way.

369
00:17:19,359 --> 00:17:22,320
Speaker 5: What are the two or three credit cards entrepreneurs should

370
00:17:22,359 --> 00:17:24,879
Speaker 5: apply for that gives them a good probability of getting

371
00:17:24,920 --> 00:17:28,120
Speaker 5: a line of credit without having a you know, having

372
00:17:28,200 --> 00:17:29,560
Speaker 5: a ton of revenue in their businesses.

373
00:17:29,640 --> 00:17:31,760
Speaker 3: Yet, so when you say line of credit, do you

374
00:17:31,840 --> 00:17:34,840
Speaker 3: mean like a credit card like American Cars credit card. Okay,

375
00:17:35,160 --> 00:17:40,199
Speaker 3: So even though this credit card reports to the personal side,

376
00:17:40,640 --> 00:17:44,240
Speaker 3: the reason why I like it is because it reports

377
00:17:44,240 --> 00:17:47,959
Speaker 3: to personal and business and if you have blemish credit,

378
00:17:48,000 --> 00:17:50,320
Speaker 3: they still approve you. Which is the Capital One's Spark card.

379
00:17:51,119 --> 00:17:53,399
Speaker 3: The reason why I like the Capital One's Spark is

380
00:17:53,440 --> 00:17:57,840
Speaker 3: because it's for beginners that have new credit, meaning you

381
00:17:57,840 --> 00:17:59,479
Speaker 3: can get approved of like a five eighty six ONS

382
00:17:59,520 --> 00:18:02,199
Speaker 3: credit score or even with like charge alls and collections.

383
00:18:02,840 --> 00:18:06,800
Speaker 3: And it also reports to your business credit report as well,

384
00:18:07,080 --> 00:18:08,840
Speaker 3: you know. So the reason why I like that one

385
00:18:08,920 --> 00:18:11,320
Speaker 3: is even like I said, even though it reports to both,

386
00:18:11,359 --> 00:18:14,479
Speaker 3: which I would never really suggest it. It's just because

387
00:18:14,480 --> 00:18:16,640
Speaker 3: it's a great starter card to get, and that's why

388
00:18:16,680 --> 00:18:18,280
Speaker 3: you brought it up, Like which one are they gonna

389
00:18:18,359 --> 00:18:20,119
Speaker 3: like to give it to you? Let's say, even if

390
00:18:20,160 --> 00:18:22,560
Speaker 3: you get a thousand, two thousand dollars, four thousand dollars,

391
00:18:22,520 --> 00:18:24,159
Speaker 3: whatever the case is, it's more than you have before,

392
00:18:24,520 --> 00:18:27,040
Speaker 3: just be mindful that if you max it out, it

393
00:18:27,119 --> 00:18:30,560
Speaker 3: is going to report to your your personal credit. The

394
00:18:30,600 --> 00:18:34,000
Speaker 3: second one I would say for starters is gonna be

395
00:18:34,080 --> 00:18:37,240
Speaker 3: your American Express, right. I love American Express typically because

396
00:18:37,320 --> 00:18:41,240
Speaker 3: even if you have a charge off or collection, American

397
00:18:41,240 --> 00:18:43,800
Speaker 3: Express will still approve you for a business credit card.

398
00:18:43,920 --> 00:18:46,800
Speaker 3: You know, I have zero personal cards. You know, I

399
00:18:46,800 --> 00:18:50,639
Speaker 3: filed bankruptcy in twenty fourteen, I owed money. I included

400
00:18:50,680 --> 00:18:53,080
Speaker 3: them in my bankruptcy a couple of years and a

401
00:18:53,119 --> 00:18:55,479
Speaker 3: few years later, I paid them in twenty twenty and

402
00:18:55,520 --> 00:18:57,480
Speaker 3: they unlocked me and I was able to get American

403
00:18:57,480 --> 00:19:00,719
Speaker 3: Express again. So they're very, very leaning it with people

404
00:19:01,040 --> 00:19:04,679
Speaker 3: when it comes to either having blemish credit bankruptcy and

405
00:19:04,720 --> 00:19:07,359
Speaker 3: you pay them, or if you're a new business, so

406
00:19:07,520 --> 00:19:10,760
Speaker 3: you could literally open up your doors today and open

407
00:19:10,840 --> 00:19:14,320
Speaker 3: up your business today and as long as you have

408
00:19:14,320 --> 00:19:16,720
Speaker 3: a bank account and a tax ID, get approved for

409
00:19:16,800 --> 00:19:19,960
Speaker 3: up to six American Express credit cards tomorrow, which is

410
00:19:19,960 --> 00:19:23,320
Speaker 3: a great thing because now you have access to fifty

411
00:19:23,560 --> 00:19:26,400
Speaker 3: sixty eighty thousand dollars. And a lot of people come

412
00:19:26,440 --> 00:19:27,960
Speaker 3: up to me like, yo, man, I watched your video

413
00:19:28,320 --> 00:19:30,960
Speaker 3: on YouTube, on eyl on Instagram, whatever the case is,

414
00:19:31,000 --> 00:19:32,880
Speaker 3: not even clients to mine, and they're like, I did

415
00:19:32,880 --> 00:19:35,080
Speaker 3: exactly what you said. I applied for American Express and

416
00:19:35,080 --> 00:19:36,919
Speaker 3: I got up to six credit cards, and that's what

417
00:19:36,960 --> 00:19:39,399
Speaker 3: helped me start my business. So that's the why I

418
00:19:40,080 --> 00:19:46,080
Speaker 3: like it, because it's something that's very feasible for a

419
00:19:46,119 --> 00:19:49,639
Speaker 3: new entrepreneur or seasoned one. And I would say the

420
00:19:49,680 --> 00:19:52,720
Speaker 3: third one which might throw people for a loophole a

421
00:19:52,760 --> 00:19:57,000
Speaker 3: little bit is gas cards. And the reason why I

422
00:19:57,040 --> 00:20:00,000
Speaker 3: say gas cards is because if like, for instance, right,

423
00:20:00,040 --> 00:20:02,400
Speaker 3: I have this gas card right here, right, I'm gonna

424
00:20:02,440 --> 00:20:04,040
Speaker 3: cover the number right quick and just happen to have

425
00:20:04,080 --> 00:20:05,800
Speaker 3: this gas card right here. It's called a fuelm in

426
00:20:05,840 --> 00:20:09,120
Speaker 3: car right this all this fuel in card also has

427
00:20:09,160 --> 00:20:13,040
Speaker 3: a master card logo. So now this gas card can

428
00:20:13,080 --> 00:20:16,000
Speaker 3: typically work as a master card. Now can I go

429
00:20:16,040 --> 00:20:19,240
Speaker 3: to Macy's and buy something with this gas card?

430
00:20:19,320 --> 00:20:19,399
Speaker 4: No?

431
00:20:19,840 --> 00:20:22,000
Speaker 3: But the thing is is that you could be a

432
00:20:22,080 --> 00:20:25,440
Speaker 3: new business. What a typically all businesses need to put

433
00:20:25,480 --> 00:20:28,560
Speaker 3: in their car to get to and from to networking? Gas?

434
00:20:28,800 --> 00:20:32,760
Speaker 3: What's expensive? Right now? Gas? What is crazy? What? What

435
00:20:32,760 --> 00:20:35,600
Speaker 3: do people complain about? Gas? Right? The thing is, if

436
00:20:35,640 --> 00:20:37,320
Speaker 3: you have a twenty five thousand dollars credit card that

437
00:20:37,359 --> 00:20:41,119
Speaker 3: doesn't report to your personal credit is gas the problem anymore? No?

438
00:20:41,440 --> 00:20:42,960
Speaker 3: You just got to find a way to pay it back.

439
00:20:43,480 --> 00:20:45,000
Speaker 3: You need, you need to get to invest, vest, and

440
00:20:45,040 --> 00:20:48,520
Speaker 3: you don't have money, drive your car and pie costs

441
00:20:48,520 --> 00:20:50,720
Speaker 3: you five hundred dolls in gas around trip. What else

442
00:20:50,760 --> 00:20:53,520
Speaker 3: can you buy at the gas station? Food, you can buy,

443
00:20:53,560 --> 00:20:55,760
Speaker 3: gift cards, you can buy you know. The thing is

444
00:20:56,240 --> 00:20:57,879
Speaker 3: if you don't have any Like I use this a

445
00:20:57,880 --> 00:21:00,760
Speaker 3: prime example. Right when I was starting my business and

446
00:21:00,800 --> 00:21:04,080
Speaker 3: I was driving to Florida for the Credit boot camps,

447
00:21:04,119 --> 00:21:06,679
Speaker 3: I would use my gas card. I was allowed up

448
00:21:06,720 --> 00:21:10,080
Speaker 3: to fifteen hundred dollars a day inside of the convenience store.

449
00:21:10,280 --> 00:21:12,600
Speaker 3: So what I would do is buy fifteen hundred dollars

450
00:21:12,640 --> 00:21:14,760
Speaker 3: worth of a one hundred dollar gift cards, and I

451
00:21:14,760 --> 00:21:17,920
Speaker 3: would then use my gas card to buy Visa gift

452
00:21:17,920 --> 00:21:20,439
Speaker 3: cards and use the Visa gift cards to do what

453
00:21:20,480 --> 00:21:22,280
Speaker 3: I had to do. Like that's the life of an entrepreneur.

454
00:21:22,280 --> 00:21:24,320
Speaker 3: A lot of people don't realize that sometimes you gotta

455
00:21:24,359 --> 00:21:26,879
Speaker 3: think outside the box. So I'd never not had gas,

456
00:21:27,200 --> 00:21:29,760
Speaker 3: I'd never not have gift cards, and I could always

457
00:21:29,880 --> 00:21:36,000
Speaker 3: use my gas card as well to purchase chips, soda, milk, eggs, bacon, cheese.

458
00:21:36,040 --> 00:21:38,040
Speaker 3: And I'm telling you that's what I did back in

459
00:21:38,080 --> 00:21:41,359
Speaker 3: like twenty fourteen, fifteen, I was using my gas card

460
00:21:41,440 --> 00:21:45,080
Speaker 3: to buy one hundred dollar Visa gift cards and groceries

461
00:21:45,119 --> 00:21:48,439
Speaker 3: inside of the convenience store. In the gas station always

462
00:21:48,440 --> 00:21:51,360
Speaker 3: had gas. Like where everybody's complaining about gas, I don't

463
00:21:51,440 --> 00:21:53,720
Speaker 3: really complain about it because I haven't, you know what

464
00:21:53,720 --> 00:21:58,480
Speaker 3: I mean. So Capitol one, Spark, any business American Express card,

465
00:21:58,680 --> 00:22:01,640
Speaker 3: and any gas car that usually has a master card

466
00:22:01,680 --> 00:22:04,760
Speaker 3: logo like a Fuelman, a BP, you know, an Exxon,

467
00:22:04,920 --> 00:22:07,480
Speaker 3: a shell you know, wah wah, those type of gas cards.

468
00:22:07,520 --> 00:22:11,640
Speaker 3: Because you always need gas. So as a starting entrepreneur, okay,

469
00:22:11,680 --> 00:22:14,439
Speaker 3: you might not have money, you're just starting out, but

470
00:22:14,680 --> 00:22:17,040
Speaker 3: you not having a flight shouldn't be a reason why

471
00:22:17,119 --> 00:22:19,480
Speaker 3: you can't go to eyl shit, sleep in your car

472
00:22:19,480 --> 00:22:21,040
Speaker 3: if you have to, you know what I mean, Like

473
00:22:21,440 --> 00:22:24,560
Speaker 3: it's the it's sometimes you gotta struggle and sometimes you

474
00:22:24,600 --> 00:22:26,480
Speaker 3: got to go through certain things in order to obtain

475
00:22:26,520 --> 00:22:28,200
Speaker 3: the things that you really want, you know what I mean?

476
00:22:28,320 --> 00:22:33,800
Speaker 3: If that makes sense. My graduates from my school being

477
00:22:33,920 --> 00:22:39,560
Speaker 3: forced back drop b drop Mike drop back drop drop.

478
00:22:50,080 --> 00:22:53,439
Speaker 1: Weight loss solutions are not one size fits all. Hers

479
00:22:53,520 --> 00:22:55,760
Speaker 1: makes it simpler to get started and stick with a

480
00:22:55,800 --> 00:22:59,240
Speaker 1: weight loss plan backed by expert guided online care that

481
00:22:59,359 --> 00:23:03,080
Speaker 1: puts your weight goals first. These include oral medication kits

482
00:23:03,240 --> 00:23:07,320
Speaker 1: or compounded GLP one injections through Hers. Pricing for oral

483
00:23:07,359 --> 00:23:10,040
Speaker 1: medication kits start at just sixty nine dollars a month

484
00:23:10,080 --> 00:23:12,440
Speaker 1: for a ten month plan when paid in full up front.

485
00:23:12,640 --> 00:23:15,720
Speaker 1: No hidden fees, no membership fees. You shouldn't have to

486
00:23:15,760 --> 00:23:18,000
Speaker 1: go out of your way to feel like yourself. Hers

487
00:23:18,000 --> 00:23:21,280
Speaker 1: brings expert care straight to you with one hundred percent

488
00:23:21,359 --> 00:23:25,320
Speaker 1: online access to personalized treatment plans that put your goals first.

489
00:23:25,480 --> 00:23:28,520
Speaker 1: Reach your weight loss goals with help through Hers. Get

490
00:23:28,520 --> 00:23:31,520
Speaker 1: started at for hers dot com slash for you to

491
00:23:31,640 --> 00:23:35,679
Speaker 1: access affordable, doctor trusted weight loss plans. That's for hers

492
00:23:35,720 --> 00:23:39,120
Speaker 1: dot com slash for you, f O r h ers

493
00:23:39,280 --> 00:23:41,760
Speaker 1: dot com slash for you paid for by hymns and

494
00:23:41,800 --> 00:23:43,840
Speaker 1: Hers Health. Weight Loss by Hers is not available everywhere.

495
00:23:43,840 --> 00:23:46,800
Speaker 1: Compounded products are not FDA approved or verified for safety, effectiveness,

496
00:23:46,880 --> 00:23:49,680
Speaker 1: or quality. Prescription required restrictions at for hers dot com

497
00:23:49,720 --> 00:23:50,000
Speaker 1: apply