Speaker 1: Hey, hey, hey, just so you know, like each hey, my, my,
Speaker 1: I do jazz hands, and each layer, my hands get
Speaker 1: higher until they're all the way out and my fingers
Speaker 1: are wiggling in the air. I just want to give
Speaker 1: you a visual.
Speaker 2: Oh that's a good visual. And just I know you
Speaker 2: can't see me either, just know that I'm I'm taking
Speaker 2: a knee right now.
Speaker 1: Oh wow, Yeah, let's talk about that. Like that's a
Speaker 1: really great way to open up. Hey, y'all.
Speaker 2: Ambition, Happy Brown Ambition Wednesday. Yes, So this is one
Speaker 2: of those news stories that seem to be unfolding over
Speaker 2: the weekend, and I would catch a tweet here and there,
Speaker 2: like a like a news alert here and there, and
Speaker 2: I was like, what's happening. I don't really watch football,
Speaker 2: but I remember all like the controversy with Calan Kaepernick
Speaker 2: is how you say his name? I think so he
Speaker 2: refused to he took the knee way back like last
Speaker 2: season during all the you know and protest of police
Speaker 2: violence against black blacks in America, Right, that was why
Speaker 2: he did that then. And then apparently like he hasn't
Speaker 2: been able to he hasn't been drafted this season, Like
Speaker 2: no one wants to touch him and hire him, and
Speaker 2: and then it just sort of like it seemed like
Speaker 2: every day the story escalated and it got bigger and bigger,
Speaker 2: and there's all these there's like these players. Now what
Speaker 2: was a small problem. Trump came out as he does
Speaker 2: with all his free time, to tweet and rally, his
Speaker 2: bass calling. He even at a rally apparently referred to
Speaker 2: people like Colin Kaepernick indirectly as a son of a bitch. Yeah, yeah,
Speaker 2: our president, cool President Doulthart. You know, it's like when
Speaker 2: you think he can't go possibly any lower, he just
Speaker 2: exceeds the expectations.
Speaker 1: He literally like literally you say to yourself, this man
Speaker 1: can't go lower, and he says, get me a shovel.
Speaker 1: I'll show you, like I'm.
Speaker 2: Gonna dig this. I'm gonna dig this ditch all over.
Speaker 1: All the way down to Korea and sit with their
Speaker 1: president so we could talk about how we're both nuts
Speaker 1: nuts though, mister man. No, honestly, it's just crazy to
Speaker 1: me because you think to yourself, Okay, with all the
Speaker 1: things that are happening with you know, Hurricane Irma, with
Speaker 1: what's happening in Puerto Rico, with like you know, North
Speaker 1: Korea with just like world events in general, for you
Speaker 1: to take the time out of your busy comb over
Speaker 1: schedule to like make comments about not just the NFL,
Speaker 1: but the NBA. Did you see the comment he made
Speaker 1: to Stephan Curry. No, So, Stephan Curry. You know he's
Speaker 1: a guy with the super cute daughter, right, yeah, super
Speaker 1: cute family. And so I guess they invited him to
Speaker 1: the White House. I don't know if they want a
Speaker 1: championship or whatever. For whatever reason, he was invited and
Speaker 1: he declined. And so because our current president is a child,
Speaker 1: he tweeted him, Stephen Curry, coming to the White House
Speaker 1: is an honor. And because you're hesitating, your your your
Speaker 1: invited is rescinded.
Speaker 2: And I'm like, oh yeah, what He's like, well, you
Speaker 2: can't come to my party. I uninvite you. Yes, you
Speaker 2: can't come.
Speaker 1: To my birthday party. You can't come. We're not even
Speaker 1: present anymore. And You're like, what are you five?
Speaker 2: Yeah? Literally, he has the he has the the temperament
Speaker 2: of a five year old. This is what This is
Speaker 2: the same thing. He's so predictable. This is the same
Speaker 2: thing he did after the CEO of I forget which
Speaker 2: company it was stepped down from his business council in
Speaker 2: the wake of his comments or sorry lack of comments
Speaker 2: after Charlotte'sville, and then that business owner was the CEO
Speaker 2: was followed by a couple of other CEOs and he's like, oh,
Speaker 2: you guys can't leave my business advice col. I'm just
Speaker 2: banding the whole thing. There will be no Business Advisory
Speaker 2: Council to leave. I mean, this is just like textbook
Speaker 2: president mango face. Maybe I'll watch sports.
Speaker 1: Now, Yeah, I just let Superman give me the recap.
Speaker 1: Oh my gosh. So now that you know how people
Speaker 1: say like like it was, they'll tell you like when
Speaker 1: you like, if you're a book writer, you're they'll say,
Speaker 1: you know, you think you know when you're writing the book,
Speaker 1: it's the hardest part. They're like, ah, man, that's the
Speaker 1: easiest part. It's what comes after. So now that we've
Speaker 1: bought the house, it's the what comes after. Oh so,
Speaker 1: so apparently you know so well one like we did. Uh,
Speaker 1: so you know that the we haven't exchanged money for
Speaker 1: the house. We had to do a title search, which
Speaker 1: which just was clear today And apparently I didn't realize
Speaker 1: with the title search, I thought it was just the home,
Speaker 1: but apparently there's a title search on you, like who
Speaker 1: do you owe? And I, of course I came back clear.
Speaker 1: But Superman had something from when he was eighteen. It
Speaker 1: was like one hundred and eight bucks, but we have
Speaker 1: to pay that. And it was like, yeah, I didn't.
Speaker 2: Know that to what entity, like a public utility or something.
Speaker 1: Something I don't know, Like I was looking through, I
Speaker 1: just knew that it was his. I took a cursory
Speaker 1: glance because his name is it's not common, but it's
Speaker 1: kind of common because its last name is Smith, so
Speaker 1: his first name is semi common ish. So there was
Speaker 1: a lot so we had to really dig through, like
Speaker 1: page after it was seventy three pages. I didn't realize that,
Speaker 1: and I was like, wow, So the title searches like
Speaker 1: the property to see if the property has any leans
Speaker 1: on it. It doesn't own anyone the person before you,
Speaker 1: like who owned the property before you, to make sure
Speaker 1: there's no leans that would stop the sale of the house,
Speaker 1: and then you yourself. And I was like what And so,
Speaker 1: like I said, I came back clear, but he had
Speaker 1: this one hundred and eight dollars. Fine. It looked like
Speaker 1: something from like like it looked like maybe it was
Speaker 1: like a ticket or something from court or something like
Speaker 1: that when he was eighteen, and you know, likely it
Speaker 1: was just moving from place to place and just forgot
Speaker 1: about it, and so it came up in the title
Speaker 1: search and you know, and I was just like, wow, okay,
Speaker 1: I mean, obviously we'll pay one hundred and eight dollars.
Speaker 1: But I thought I didn't even I never knew that
Speaker 1: was something I'd bought a house before. But I guess
Speaker 1: because nothing ever came up under my name, it wasn't
Speaker 1: something I thought about. And so yeah, so I was like, oh, okay,
Speaker 1: we'll pay one hundred and eight dollars, but I just
Speaker 1: I get.
Speaker 2: A deal breaker, like who it is?
Speaker 1: Surprisingly like not that it's a lot of money, but
Speaker 1: so I asked her, well, what would have happened if
Speaker 1: he owed, like you know, or like just say if
Speaker 1: we're paying I said, is this because we're paying cash?
Speaker 1: And my realtor was like, no, the bank would have
Speaker 1: actually held up the mortgage until it was satisfied, because
Speaker 1: their worry is that you don't want anyone to have
Speaker 1: to come and say, hey, before this transaction takes place,
Speaker 1: this person or this property or whatever owes me, and
Speaker 1: so I was like, oh, okay, So I don't know.
Speaker 1: I'm sure I'm saying it incorrectly. I probably could have
Speaker 1: got more detail, I guess because it was one hundred
Speaker 1: and eight dollars. I wasn't digging super deep. But it
Speaker 1: seemed like we wouldn't be able to get title insurance,
Speaker 1: which means that I guess if later on, ten years
Speaker 1: from now, someone says, hey, there is actually a second
Speaker 1: mortgage on that house. You Oh, we wouldn't have to
Speaker 1: pay that because we have title insurance. But they wouldn't
Speaker 1: clear us for title insurance if we didn't pay these
Speaker 1: things off.
Speaker 2: So how much time do you have?
Speaker 1: They said that they want to close by my birthday,
Speaker 1: which is October sixteenth, so we have plenty of time.
Speaker 1: I mean, we're like, basically, we have a title company,
Speaker 1: so we're just gonna I called to figure out, like
Speaker 1: what do we do now, because I'm like, I don't
Speaker 1: even know who to pay, like what court to pay
Speaker 1: or whatever. So we just give him the eight oh
Speaker 1: one hundred and eight dollars or whatever, and then he pays.
Speaker 1: He satisfies the payment, you know, gives us a receipt
Speaker 1: and then we're good to go, so we can have
Speaker 1: title insurance so no one can then come and put
Speaker 1: a lean on the property based upon old debts. Basically,
Speaker 1: because we did our due diligence and I didn't even
Speaker 1: know that, I'm like, woo, mind blown.
Speaker 2: Wait, who takes a check from you?
Speaker 1: The title insurance company, so they they run the title search,
Speaker 1: and so everyone is paying the title insurance company. They're
Speaker 1: like our es grow basically, so we paid the deposit
Speaker 1: to instead of instead of getting like a lawyer, we
Speaker 1: decided to go with the title insurance company because we're
Speaker 1: paying cash, so we're not negotiating anything. But I still
Speaker 1: wanted a title search. Like the bank side who we're paying,
Speaker 1: they do a title search, but I wanted to do
Speaker 1: a title search too on our side to make sure
Speaker 1: that this property doesn't have any leans on it. And
Speaker 1: in order for us to have insurance on the title search,
Speaker 1: meaning you did your due diligence, you're no longer liable.
Speaker 1: We have to satisfy whatever it is that we owe
Speaker 1: and whatever it is that either party might own, and
Speaker 1: so we end up owning one hundred eight dollars. Everybody
Speaker 1: else is free and clear. So I asked, well, how
Speaker 1: do we pay because it says like I don't know,
Speaker 1: New Jersey State Court whatever it is. And I'm like, well,
Speaker 1: do we just call them up and pay them? He's like, no,
Speaker 1: you could pay, you know, write a check out, we
Speaker 1: pay them obviously he sent you proof of payment, and
Speaker 1: then we can move forward with the closing of the
Speaker 1: of the sale of the house. And like I said,
Speaker 1: I might be said, I know. I was like, like
Speaker 1: I said, I never because I guess I like, none
Speaker 1: of my friends ever had anything come up, at least
Speaker 1: they never told me, and I've never had anything come
Speaker 1: up in the title search. So it was like, oh, okay,
Speaker 1: well that's not true. When I fought my first house,
Speaker 1: the man who owned the house had gotten a divorce,
Speaker 1: so in the title search it did show that his
Speaker 1: wife was like co owner or whatever that was, but
Speaker 1: nothing came up on my end. So I didn't realize
Speaker 1: that that there you might have to pay. But what
Speaker 1: was crazy was there's different iterations of his name, and
Speaker 1: there are people there that like, if you added up
Speaker 1: everything they owed, it was like ten twenty thousand dollars
Speaker 1: And I'm like, so what if they wanted to buy
Speaker 1: a house and didn't even know they owed all this,
Speaker 1: you could literally just not be able to buy a house,
Speaker 1: you know. So it just, you know, really important, and
Speaker 1: that it's just another I guess bullet to say why
Speaker 1: it's so important your credit and stuff. Staying on top
Speaker 1: of your credit and credit report is so important because.
Speaker 2: And you never do think about yourself the buyer being
Speaker 2: because the title social whole point of it, I always
Speaker 2: thought was just to make sure that the people who
Speaker 2: were selling and had the right to sell it.
Speaker 1: Me too, me too honestly that I was like, wait, what,
Speaker 1: I'm gonna do a little more digging. But I was like, what,
Speaker 1: I didn't know that, and she said yep. So, like
Speaker 1: I said, it wasn't much for us, But what if
Speaker 1: it was like he owed, you know, eight thousand dollars,
Speaker 1: what would we you know, I mean, we pay it,
Speaker 1: but it would have been like a huge shock, you know,
Speaker 1: like what thanks.
Speaker 2: There's a lot of people who would be like, oh,
Speaker 2: that's putting us out of the game, Like there's no.
Speaker 1: Way exactly, That's what I thought to myself. I was like,
Speaker 1: look look at you, sir. He was like, it's one
Speaker 1: hundred eight dollars. I'm like still, I was like, I'm
Speaker 1: not looking at the date. It's like nineteen ninety eight.
Speaker 1: I'm like when you were eighteen. He was like it
Speaker 1: probably with some ticket and I was like whatever, And
Speaker 1: I'm like, it's come back to haunt you. So it's
Speaker 1: just an interesting part of the journey. I'm gonna do
Speaker 1: a little bit more digging and maybe I'll explain it
Speaker 1: a little better next time. But this is what, like,
Speaker 1: it literally just happened today, So it was like fresh
Speaker 1: on my mind, like what and.
Speaker 2: Would that not show up on his credit report?
Speaker 1: We didn't see it because it's old. It's it's clearly
Speaker 1: some sort of violation. It looks like you might have
Speaker 1: had a ticket or something because it's old to a
Speaker 1: court system, so it didn't show up on his I
Speaker 1: don't know, do like parking tickets or whatever tickets show
Speaker 1: up on your own on your credit report.
Speaker 2: Not like the one you get from experience, not that
Speaker 2: I know of, but I know, like you till like
Speaker 2: one time. I remember in college one summer, you know
Speaker 2: how every summer you move out of your apartment or
Speaker 2: whatever I stayed, I had, we all moved out, but
Speaker 2: like the power bill was still in my name and
Speaker 2: it was never shut down. And I had these a
Speaker 2: bunch of like missed payments from Georgia Power on my
Speaker 2: credit report that I had to you know, it wasn't
Speaker 2: I wasn't supposed to be charged, but they just had
Speaker 2: never cut off service anyway, so I had to. But
Speaker 2: that showed up on my credit report. But I don't
Speaker 2: know what tickets.
Speaker 1: And that's why I thought. That's why I was thinking,
Speaker 1: because I checked his credit report it didn't show up.
Speaker 1: So it's like that tickets, outstanding tickets don't show up
Speaker 1: on your credit report. It just shows up, I guess
Speaker 1: during I don't even know super thorough background checks because
Speaker 1: I've never I mean, I've had tickets that I'd forgotten
Speaker 1: to pay, and I've gotten like, you know, like warnings
Speaker 1: in the mail, like we're gonna take your license, and
Speaker 1: I haven't seen that on my credit report, So that's
Speaker 1: likely why it was missed. He says. He vaguely remembers, like,
Speaker 1: oh yeah, I kind of vaguely remember, but you know,
Speaker 1: so just keeping that in mind that like if you
Speaker 1: have some outstanding like tickets, it looks like most of
Speaker 1: the stuff is legal base, meaning like most of the
Speaker 1: stuff that wasn't his, and all the pages that I
Speaker 1: kind of went through, it looked like all of them
Speaker 1: were court related in some way, right, like you know
Speaker 1: what I mean, like if there wasn't anything on there,
Speaker 1: like like I saw a guy, oh, child support, and
Speaker 1: then it was like somebody there was like some forensic something,
Speaker 1: so I guess I don't know if it's oh, there
Speaker 1: was a public defender one where somebody I guess, you know,
Speaker 1: had gotten into trouble and I guess they were charging
Speaker 1: them for the public defender. I don't know. It was
Speaker 1: just really interesting to kind of kind of intrusive. I
Speaker 1: was like, well, that's not even his full mate, like
Speaker 1: like some people had different spellings of his name in
Speaker 1: totally different years. But I was able to see like
Speaker 1: all that they kind of owed, So it was really
Speaker 1: interesting to be like, wow, this is kind of like
Speaker 1: like they would even say, did you live at this address?
Speaker 1: That's how we knew which ones were his. It was
Speaker 1: it had like the last four digits of your social
Speaker 1: the address associated, and then the name, so those three
Speaker 1: things kind of had to match, and it was only
Speaker 1: one for him, and then the rest he was like no, no, yeah.
Speaker 2: Yeah, I'm reading that. This is right. So it's not
Speaker 2: that the city like will send an unpaid parking ticket,
Speaker 2: like report that on your credit. But if they sell
Speaker 2: it to a debt collector, which some cities do for
Speaker 2: like even for the library finds like library finds are
Speaker 2: unpaid yeah, parking tickets, then that collection activity will be
Speaker 2: reported and then maybe you can track it. But that's
Speaker 2: that's weird.
Speaker 1: But I mean, you know, part of the process.
Speaker 2: Yeah, any other like uh, pickups or lessons learn.
Speaker 1: And well we did find that, like and I guess
Speaker 1: it's true. Like for an old house, like I said before,
Speaker 1: like the the we have to get the house rewired,
Speaker 1: which could be anywhere from eight to fifteen thousand dollars.
Speaker 1: So but that was something we knew ooh fifteen ou
Speaker 1: I know, but that was something we kind of mentally
Speaker 1: prepared for because I knew that of the four major
Speaker 1: things plumbing, foundation, roof, and electric that at least won
Speaker 1: in a house that's almost one hundred years old, at
Speaker 1: least one of them was going to be something. So
Speaker 1: of all the ones, that's the one I was kind
Speaker 1: of like, Okay, that's less than doing you know, a foundation,
Speaker 1: which we would just have to leave the house. And
Speaker 1: so that's, you know, something that we're trying to figure
Speaker 1: out now, like, so what are we going to do
Speaker 1: as far as fixing up the house. A lot of
Speaker 1: it is cosmetic, but some of it is cosmetic, but
Speaker 1: large projects that I want, Like I want a new
Speaker 1: master bath and I want a different a different kitchen.
Speaker 1: So the kitchen in the bathroom, they're fine and they're functional.
Speaker 1: I just want it new, you know what I mean.
Speaker 1: So lead the electric, yes, only the electric is like
Speaker 1: we must do it. Everything else is like paint and
Speaker 1: sanding and you know that kind of stuff. So we
Speaker 1: could technically just pay for the wire and then just
Speaker 1: paint and like sand and stuff ourselves. But I'm like, well,
Speaker 1: we're gonna live here for a while. I want to
Speaker 1: come home every day. Well, I don't leave the house.
Speaker 1: I want to be in the house every day. I
Speaker 1: want to be in the house every day and saying like, oh,
Speaker 1: I love my house. So we're trying to figure out,
Speaker 1: like do we go with the contractor or do we
Speaker 1: instead hire different subcontractors to do the actual work itself,
Speaker 1: Because if you hire a contractor, you kind of pay
Speaker 1: a premium because they're going to hire a subcontractor to
Speaker 1: do the work. So we're trying to figure out, like
Speaker 1: what's the best way to move ahead. I really don't
Speaker 1: want to spend more than sixty thousand dollars to get
Speaker 1: the house to where we want it.
Speaker 2: But I'm assuming it's all according to my HGTV reachurch.
Speaker 2: I know that's exactly why kitchen, right, that's what I've
Speaker 2: heard somebody brothers could do that.
Speaker 1: I know I was thinking that, but then I was
Speaker 1: thinking because like downstairs, like I feel so like official
Speaker 1: because downstairs there's only one real wall, and I'm like,
Speaker 1: this looks like a load bearing wall. Meanwhile, how would
Speaker 1: I know? But my assumption is it's the only wall downstairs,
Speaker 1: so and it's separating the kitchen from the dining room,
Speaker 1: and the kitchen's a little narrow, so I'd love for
Speaker 1: that wall to be taken down, But I don't know
Speaker 1: is that obviously that's going to increase fixing the kitchen,
Speaker 1: you know, buy a lot and so my concern so
Speaker 1: that's what we kind of are now, like, well, where
Speaker 1: what do we do do we cause there's a lot
Speaker 1: of work that he can do himself. So we certainly
Speaker 1: will like painting and sanding and stuff so we can
Speaker 1: save money. But he can't renovate a kitchen and he
Speaker 1: doesn't know how to go totally renovate a bathroom. So
Speaker 1: we're just trying to figure out, like what do we
Speaker 1: do because if you have an electrician, you have to
Speaker 1: know where things are going to go.
Speaker 2: Yeah, and a contractor is like they're sort of like
Speaker 2: the man. They're managing the whole process, and I don't know,
Speaker 2: I feel like that's the one thing I woultn't skimp
Speaker 2: on personally, but you have someone who can sort of
Speaker 2: like has experience, even though husband you know it too.
Speaker 1: Yeah, no, but no, but I told them for the
Speaker 1: major project, we're getting a contractor. So I guess we're
Speaker 1: just trying to figure out, Okay, beside the kitchen in
Speaker 1: the bathroom is there. I don't necessarily want to hire
Speaker 1: a contractor for the electric work because we could just
Speaker 1: hire an electrician, you see what I mean. I guess
Speaker 1: that's where it's like, well, do look at I want
Speaker 1: to hire professionals for all the major things, but I
Speaker 1: don't necessarily want the contractor to hire the professionals for
Speaker 1: the for certain things because I'm like, well, we could
Speaker 1: just go directly to that professional themselves and let the
Speaker 1: contractor just work on like maybe two major projects and
Speaker 1: then like if we need a plumber, let's just hire
Speaker 1: a plumber, not the contractor to hire the plumber. So
Speaker 1: there's like more money, you know. So there's a bunch.
Speaker 1: But I'm honestly everybody's seen the house. I've brought everybody through,
Speaker 1: even though you know, technically we're not supposed to all
Speaker 1: be in the house because we haven't paid for it.
Speaker 2: But whatever, a house warming. I wasn't invited.
Speaker 1: I know, we've just been walking through, Like, girl, what
Speaker 1: you doing on Saturday? We want to go through doe
Speaker 1: walk through and so like opening the lock box right
Speaker 1: using the key you meanwhile, you're not supposed to do that,
Speaker 1: but why here now I'm just really excited.
Speaker 2: Okay, this is a private conversation. It's not like thousands
Speaker 2: of people are going.
Speaker 1: To y'all don't know where the house is, you don't like, wait,
Speaker 1: I've never sent the address or whatever.
Speaker 2: And by like challenge accepted, girl, and don't talk like that.
Speaker 2: When the interwebs these days, I know Chinese are probably
Speaker 2: listening the Russians probably listening to us, right.
Speaker 1: But I'm excited though, because I can't wait to have
Speaker 1: like I want to have Thanksgivings and definitely won't have
Speaker 1: a house for me. Of course you and husband are
Speaker 1: definitely invited. It's gonna be fun. It's gonna be like that.
Speaker 2: I want to be down play how exciting it is
Speaker 2: for him, because I'm really trying to drag this out.
Speaker 1: Now get a house.
Speaker 2: We went. We went looking at a couple of two
Speaker 2: neighborhoods that he has liked, has been looking out online
Speaker 2: in Jersey and I was finally like, let's just go
Speaker 2: check out these neighborhoods and see what they're like and
Speaker 2: see what the houses are like. And the neighborhoods are
Speaker 2: Montclair and Maplewood, New Jersey.
Speaker 1: Who you should have told me, I would have came
Speaker 1: with you. Those are great neighborhoods, honestly, like Montclair from
Speaker 1: what I remember. And I don't know if this is
Speaker 1: still true, but it's one of the it's like the
Speaker 1: interracial it is.
Speaker 2: Yeah, we saw a few, yeah, but.
Speaker 1: Like officially the interracial like capital over or something crazy,
Speaker 1: like the most interracial couples like per capita in the
Speaker 1: city or something like that, something crazy like that.
Speaker 2: I know who lived there are both or both interracial,
Speaker 2: so confirmed, it's true.
Speaker 1: It's a great, great, great city. And then Maplewood is
Speaker 1: also an awesome city. You guys would really like it.
Speaker 1: It's really like Homie, it's really like and it's next
Speaker 1: to Newark and and that that you at the airport
Speaker 1: and travel to the city. All of that stuff is
Speaker 1: really easy. But I'm not gonna lie maple Wood and Montclair,
Speaker 1: especially Montclair Parise.
Speaker 2: Yeah, but not as pricey as the apartments I want
Speaker 2: in Historia and Jersey City. But we're just looking, you know,
Speaker 2: I feel like it's hard. It's hard too. It's hard
Speaker 2: to just look at listings online. You know. I want
Speaker 2: to be out there and just kind of see and
Speaker 2: get a feel for towns. But it feels very much
Speaker 2: like going back to my suburban upbringing. And you know,
Speaker 2: in a lot of ways, it's you know, I love
Speaker 2: seeing like kids playing in the neighborhood and you know,
Speaker 2: trees and greenery and you know, kind of like a
Speaker 2: real neighborhood, you know, not like where there's sidewalks and
Speaker 2: it's separate from traffic and it's kind of back in
Speaker 2: like really beautiful old houses, and they're both really beautiful,
Speaker 2: but it's just it's just too far. There's just so quiet.
Speaker 1: I don't know, hang out. I'm like, yeah, we'll be
Speaker 1: neighbors for real, because literally New York is like literally
Speaker 1: like you know, maybe like ten minutes if that, Like.
Speaker 2: Yay, come on, Mandy, it's a now.
Speaker 1: I honestly, truthfully, it's actually Jersey City. It's super close
Speaker 1: to NewYork. But you know, it's just very like I
Speaker 1: love like, I love Montclair and because I went to
Speaker 1: Montclair State University, it's got amazing restaurants. You'll love that.
Speaker 2: Yeah, And that's how we got me there. He'd lure
Speaker 2: me there. It's the promise of dinner.
Speaker 1: Yeah, did you where'd you guys eat.
Speaker 2: This restaurant called Raymond's.
Speaker 1: Oh yes, I love Raymonds. Oh my gosh. I'm like,
Speaker 1: maybe we're gonna be housewives together.
Speaker 2: Oh shit, I'm gonna be sick again. Was an evil laugh.
Speaker 2: You should have hurt yourself. That's what happens when you
Speaker 2: get booed up and get suburban life. You just want
Speaker 2: to lure everyone else in.
Speaker 3: I feel like you and I'm like come on in
Speaker 3: turn to barbecue on Saturdays, come on into like to
Speaker 3: like you know, garage sales on Sundays. Resist Now so
Speaker 3: all right, Well, now that we've sick in Jamal and them,
Speaker 3: I know he's like, whatever.
Speaker 1: It is time, I believe. Don't you have anything else
Speaker 1: for buzzworthy?
Speaker 2: I don't think anything else? Well before I before I
Speaker 2: put my foot in my mouth because I haven't I
Speaker 2: missed something, but other than and just my heart goes
Speaker 2: out to Puerto Rico. Yeah, I think, oh, oh, actually,
Speaker 2: do you know anybody who has a parent or a
Speaker 2: grandparent in a nursing home? No, no, or like hospice care. Well,
Speaker 2: I my both my grand or my grandpa said at
Speaker 2: a certain point it was in hospice care. And my
Speaker 2: great uncle is in like an assisted living facility. And
Speaker 2: I just my heart went out to families because there
Speaker 2: was a story in the Times over the weekend that
Speaker 2: came out. It was so heartbreaking. After you know, when
Speaker 2: you put your you put your loved ones in a
Speaker 2: home because for a lot of reasons, there's a lot
Speaker 2: of guilt involved because you wish you could take care
Speaker 2: of them, but it's also a full time job. You
Speaker 2: need help. And you know, these places are expensive, like
Speaker 2: they can cost thousands of dollars a month, and it's
Speaker 2: not the kind of thing that Medicare covers, or sorry,
Speaker 2: Medicaid covers. And you know, if you haven't invested in
Speaker 2: things like long term health insurance, it's hard to find
Speaker 2: the money. So I understand where so many families why
Speaker 2: you turn to these facilities to help your loved ones.
Speaker 2: And if your budget isn't big enough, you may have
Speaker 2: to settle on a less instillar facility. And there's a
Speaker 2: story in uh in Florida, I believe around Miami, the
Speaker 2: Miami area, there was this nursing home, nursing home and
Speaker 2: for three, no, several days after the hurricane swept through,
Speaker 2: this one was Maria. Wait wasn't Maria or Jose or
Speaker 2: Irma one of these? I think it was Irma Wait?
Speaker 1: Okay, probably whichever was.
Speaker 2: Sorry anyway, the generators at the nursing care facility went down,
Speaker 2: and the nursing care workers were sort of like they
Speaker 2: They called the governor's hotline. He had given not even
Speaker 2: a hotline, his cell phone number, he'd given his direct number.
Speaker 2: They left a message saying, you know, the generators are down.
Speaker 2: Quality of life is you know, is decreasing. And there
Speaker 2: were other calls made to the power company and to
Speaker 2: another organization that was supposed to be helping with recovery
Speaker 2: efforts and rescue efforts, and somehow nothing got done. And
Speaker 2: three days later, several patients died from past Oh my gosh,
Speaker 2: and wait they were across the street from a hospital.
Speaker 2: Across from the hospital. Yes, so one patient was one
Speaker 2: of the people in the nursing home was taken to
Speaker 2: the hospital with a high, high, high fever and another
Speaker 2: one was and known what the hospital thought is it's
Speaker 2: a pattern, you know. No, it's just like it's just
Speaker 2: one of those It's one of the most heartbreaking things
Speaker 2: I've ever read. And I just so yeah, I don't know.
Speaker 2: I just thought, it's it's sad, and it's it's one
Speaker 2: of those facilities that you know, isn't the most expensive
Speaker 2: kind of place, and you know, it wasn't apparently on
Speaker 2: anyone's you know, top of their priority list. And it's
Speaker 2: just so sad that these these grandparents, great grandparents, you know,
Speaker 2: passed away in such a sad way.
Speaker 1: Wow, I can't even imagine, because I mean, I my
Speaker 1: I'm trying to think my my father's and father passed
Speaker 1: away way before I was born, and my grandfather passed
Speaker 1: away maybe when I was a teenager, and my grandmother
Speaker 1: when I was in my twenties and so, but they
Speaker 1: all lived in Nigeria. So the concept of nursing homes
Speaker 1: and all that kind of stuff is kind of it's
Speaker 1: it's not part of typically the Nigerian culture, especially if
Speaker 1: you're inside of Africa. So I can't even imagine. It's
Speaker 1: one of the reasons why in like African culture that
Speaker 1: you live in a the way you live in the community,
Speaker 1: like each each village is really extended family. So I remember,
Speaker 1: you know, I remember the first time I went to
Speaker 1: Nigeria and I'm in this village and they're like, because
Speaker 1: my last name Aliche is so unique in America, and
Speaker 1: so my dad was introducing me to people like, oh,
Speaker 1: this is chi k Aliche. I was like, oh my gosh,
Speaker 1: my last name's Alche. And this is John Aliche. Oh
Speaker 1: my gosh, my last name's Alcha. My dad was like,
Speaker 1: get it together, everyone here is Alchia. I don't know.
Speaker 1: I didn't know. I was like, wait, everyone, he was
Speaker 1: like yeah, and I'm like, wait, everyone, And it was
Speaker 1: such a beautiful oral history because you could meet a
Speaker 1: seven year old and they would be like, oh, my
Speaker 1: name is Mandy Aliche. My great grandfather and your great
Speaker 1: grandfather were brothers. And then so they could trace everyone
Speaker 1: could trace back to how you were both Alich's. And
Speaker 1: then my mom lived in a neighboring village and all
Speaker 1: of hers were her maiden name, and so that's how
Speaker 1: in that culture you kind of like made sure you
Speaker 1: didn't intermarry because you lived within your village, so you know,
Speaker 1: you didn't marry within your village, you know, and so
Speaker 1: it was kind of great, you know. And then plus two,
Speaker 1: because you knew your oral history, you could trace like, well,
Speaker 1: who is your mother, your mother's mother and mother, so
Speaker 1: you could trace back. So literally, when you like someone,
Speaker 1: your people would sit down and trace their history together
Speaker 1: to make sure there was no overlap before allowing you
Speaker 1: to date and marry, which is kind of like awesome.
Speaker 1: But I say all that to say that, like, as
Speaker 1: a result, my grandparents lived in there, they lived amongst
Speaker 1: family always, and so I just can't even imagine, like
Speaker 1: even now that my parents are getting old, my dad
Speaker 1: is in his seventies. I always think to myself, like, well,
Speaker 1: what would we do because I.
Speaker 2: Have your sisters and you talked about it.
Speaker 1: No, and we should. You know, my mom is much
Speaker 1: younger than my dad. My mom is like, you know,
Speaker 1: young TENDERRONI eleven years younger, so you know, but still,
Speaker 1: you know, she's in her sixties and what I don't know, honestly,
Speaker 1: but it is something that I've thought about because my dad,
Speaker 1: although he's really active in plays tennis and all that
Speaker 1: kind of stuff, still he's in his seventies, and you know,
Speaker 1: if something were to happen to him, were my mom,
Speaker 1: I would be like, obviously, come live with me, mommy,
Speaker 1: even though I know she'd work every least nerve in
Speaker 1: my body, but you know, that's what moms do. But
Speaker 1: I would love for her to come live with us.
Speaker 1: I can't even imagine putting her in a home only
Speaker 1: because of that. I'd be afraid that someone wouldn't look
Speaker 1: after her properly. You know.
Speaker 2: Yeah, you're right, it's such a cult. It's a different
Speaker 2: kind of culture in America. Like I feel like, obviously
Speaker 2: there are a lot more normalized nursing homes and assisted
Speaker 2: living facilities and stuff. But everyone I know, you know,
Speaker 2: it's including my husband's family who's Dominican. That's not how
Speaker 2: they operate like you will. They will pack as many
Speaker 2: people as possible into a you know, an apartment just
Speaker 2: to be together and just to be supporting each other,
Speaker 2: which on the one hand is beautiful. On the other hand,
Speaker 2: it's like, Okay, you're on top of each other, and
Speaker 2: you know, everyone's sort of in each other's lives. But
Speaker 2: it's a different it's a totally different way of thinking.
Speaker 2: And yeah, it'll be interesting to seek our parents, aren't
Speaker 2: you know that that old it's where we have had
Speaker 2: to have those conversations. But it's something I think about
Speaker 2: all the time. You know, when my mom, when my
Speaker 2: mom got remarried recently, I can't lie when I said,
Speaker 2: in the back of my mind, I'm like, okay, good,
Speaker 2: she'll have someone to be there if she gets hurt again.
Speaker 2: You know, it wasn't that long ago. I think it
Speaker 2: was two three years ago that she fell on ice
Speaker 2: and shattered her kneecap and my sister, thank god, my
Speaker 2: sister was there and I had to fly out and
Speaker 2: we had to you know, she couldn't walk for a
Speaker 2: long time, and I remember thinking, God, we you know,
Speaker 2: she's on her own. Oh and I just she you know,
Speaker 2: what is she going to do if something worse were
Speaker 2: to happen? So I feel like this is just part
Speaker 2: of like adulthood. It's not like we become the parents.
Speaker 2: But it's hard to have these conversations and they and
Speaker 2: it's hard to even know where to start.
Speaker 1: Yeah, I should ask.
Speaker 2: Her if she has a will. I don't know. I
Speaker 2: don't even know if she had the power of attorney.
Speaker 2: I should know these things.
Speaker 1: I know, right, I know, being the financial people that
Speaker 1: we are, you know, I mean my dad is really uh,
Speaker 1: I know that he had a will, but now that
Speaker 1: we're like like fully grown, I mean, and I'm sure
Speaker 1: he still has a will, but I wonder if it's
Speaker 1: updated because I can remember being like a teenager or
Speaker 1: whatever him showing us, but I don't know, like what
Speaker 1: it's what it is now. And you're right, power of
Speaker 1: attorning all that kind of stuff, you know, or the.
Speaker 2: Passwords like well your mom know. I think about, well,
Speaker 2: my mom has control over everything because she's been on
Speaker 2: her own for a while. But you know, I if
Speaker 2: the husband A lot of times it's you know, if
Speaker 2: the husband, men do on average live shorter lives and women.
Speaker 2: So that's why I'm kind of stereotyping this situation. But
Speaker 2: you know, if a husband passes away and the wife
Speaker 2: is left, you know, does she is she empowered? Does
Speaker 2: she know where everything is so that you know, she
Speaker 2: knows where the how the bills are paid, and where
Speaker 2: the finances are, and where to find the will and
Speaker 2: where to find you know, all the information that she'll need.
Speaker 2: Because if she doesn't, you know, it's it's it can be,
Speaker 2: it can be all that more stressful to it. Really
Speaker 2: already like said, you know, situation, Yeah, don't worry. I
Speaker 2: have all my information in a Google doc. That's exactly
Speaker 2: what it's called.
Speaker 1: You know what, it's crazy.
Speaker 2: My financial planner didn't think that was a good plan,
Speaker 2: but I think it works.
Speaker 1: He's like, oh, that's great. So at any moment of time,
Speaker 1: someone could hack you.
Speaker 2: I mean, come on, we're all hacked now.
Speaker 1: I'm just assuming that's true. Leave it to us to
Speaker 1: end BuzzFeed on such an uplifting.
Speaker 2: That's why no one wants to talk about it. But
Speaker 2: see what I'm trying to do here, I'm trying to like,
Speaker 2: you know, taboo we talk about money, why can't we
Speaker 2: talk about and old people? The poor old people. So anyway,
Speaker 2: my heart goes out to people in Miami. Sorry to
Speaker 2: be a downer, but you know, you know, think Thanksgivings
Speaker 2: coming up? What better time to sit down and have
Speaker 2: really morbid discussion about wills and powers of attorney with
Speaker 2: your mom and dad.
Speaker 1: So it's time for brown break, Brown boost. What you're
Speaker 1: gonna do? Are you gonna boost? So? Are you gonna
Speaker 1: break with you? Oh?
Speaker 2: It's a little twist on it.
Speaker 1: I know, I go where Mine's just easy. I am
Speaker 1: going to boost Acora fabric and fashion. Do you know
Speaker 1: what anchor is?
Speaker 2: Do you? Ankara is a city? A city? Where is
Speaker 2: the city? Is it in Nigeria?
Speaker 1: I don't know. Maybe Anchor is the city, but that's
Speaker 1: not what I mean. Is so Ancora is So it's
Speaker 1: usually like Africa.
Speaker 2: I've been to Ankara. This is really tragic. I literally
Speaker 2: have been there before. All right, continue, Sorry.
Speaker 1: Well, when I'm talking about Acera, I mean, and I
Speaker 1: don't know where they got the name from, but it's
Speaker 1: it's basically African print that's typically cut or oftentimes cut
Speaker 1: in a contemporary manner, so meaning like I just bought
Speaker 1: a bomber jacket, but it's African print. So there I went.
Speaker 1: I was in Atlanta for an event for Ford in Essence,
Speaker 1: and there was a woman selling like her fashion designs
Speaker 1: and I was just looking through them, and I was like,
Speaker 1: it was so cute a bomber jacket but with African print.
Speaker 1: So it's like this fun funky, like I don't know,
Speaker 1: it's fun.
Speaker 2: A bit more of that. Remember that girl though I
Speaker 2: forget her name, the teenager who like made her prom
Speaker 2: dress out of that Kyra.
Speaker 1: Or something like that Kai or something like that. Yep,
Speaker 1: And so that's Akora, you know. And so I love
Speaker 1: it because it's like it's you know, as a kid,
Speaker 1: like when I was younger, my mom would like get
Speaker 1: us all dressed up in like African guard, but I
Speaker 1: didn't like it because it was like the cut was
Speaker 1: very like, you know, basically old fashioned. And now it's
Speaker 1: like you can represent or even if you're not African,
Speaker 1: you can still wear it. But it's like fun and funky.
Speaker 1: You can get a blazer. I have really cute pencil
Speaker 1: like these little pencil skirts that are oncre fashion. So
Speaker 1: I just want to give a boost to that because
Speaker 1: it looks so fly and I cannot wait to stunt
Speaker 1: on these hicks out here. No, just joking, y'all, don't
Speaker 1: gotta care, but I just can't wait to wear it
Speaker 1: because it's so cute, and I'm just like everybody should
Speaker 1: love a little bit of anchor because it just adds
Speaker 1: a little, a little something extra because you could be
Speaker 1: wearing literally like a black turtle that can black jeans
Speaker 1: and then my blaze, my bomber jacket, and you guys
Speaker 1: are gonna think I'm so stylish. Hmm.
Speaker 2: Interesting. I wonder if this is gonna become the same
Speaker 2: thing as like what are the long shirts to Scheky's.
Speaker 1: Yeah right now.
Speaker 2: Yeah, But then there's like this whole conversation about cultural appropriate,
Speaker 2: you know, like who can wear a dashiki and who
Speaker 2: can't wear a dashiki? Like they've become so widespread that
Speaker 2: you'll see. I remember listening to Another Round one time.
Speaker 2: I love that show, and they were I think it
Speaker 2: was Tracy. She's like from Kentucky and she was making
Speaker 2: she was talking about seeing like a white guy at
Speaker 2: the Verizon's store, like wearing a dashiki and she's like
Speaker 2: it's gone too far? Where did we drive it?
Speaker 1: On?
Speaker 3: How far?
Speaker 2: How much African ancestry to deny? Can I wear akara?
Speaker 2: I don't want to offend anybody. I probably shouldn't.
Speaker 1: No, No, you totally could. I think. I think that's
Speaker 1: what's so special about ankara is that it's purposefully cut,
Speaker 1: oftentimes in this contemporary way, so that way it's it
Speaker 1: it invites like people who might not otherwise wear African
Speaker 1: fabric because you're like, this is a really cute blazer
Speaker 1: that you know, you know, So it's not like you're
Speaker 1: wearing a galet, which is like a head tie and
Speaker 1: you're like, hey, like you know, and like there's certain
Speaker 1: there's head ties where it's tied contemporarily, and there's really
Speaker 1: like cultural head tides where people might feel like which
Speaker 1: I wouldn't mind either way, but I get what you're saying.
Speaker 1: But I think that's the purpose of cutting akara and
Speaker 1: like stuff that you would normally wear like a pencil
Speaker 1: skirt or like you know, like ankle pants and like,
Speaker 1: you know, stuff like that in blazers.
Speaker 2: So yeah, when I wasn't in my friend to lose wedding,
Speaker 2: she's Nigerian and shees hey to Lou, but she if
Speaker 2: you were like a close friends, she let you. We
Speaker 2: all wore the same fabric, but we got it cut
Speaker 2: in like modern Like I had a pencil skirt, but
Speaker 2: it was in that it was in the pattern the
Speaker 2: colors that she had for her wedding, and I thought
Speaker 2: it was so cute. I actould Actually I need to
Speaker 2: find that skirt.
Speaker 1: But that's what it's called. It's basically like African like
Speaker 1: like African like bridesmaids. Basically, so you, you and all
Speaker 1: your girls were like the same fabric. My sister did that,
Speaker 1: and so like you give your girls a fabric and
Speaker 1: everybody gets to cut it in their own flattering way.
Speaker 1: So that's you're part of her ushaby. Oh, I'm probably
Speaker 1: saying with the wrong inflection. I know there's who are
Speaker 1: carranging cringe away ebos. I know I have the worst
Speaker 1: ebo accent.
Speaker 2: Me too. I gotta work on that.
Speaker 1: Now.
Speaker 2: I love it, though, beautiful. I'm on nija dot com
Speaker 2: looking at some examples right now.
Speaker 1: Maybe I'll get you a little some I start you
Speaker 1: off with a little coin purse.
Speaker 2: Coin first, the starter pack. Yes, okay, I'm actually going
Speaker 2: to break I'm gonna break. I'm really trying to get
Speaker 2: my I'm really trying to get my meal planning down.
Speaker 2: So you know, I broke. I had to take a
Speaker 2: break from Green Chef, which I did. I finally, you know,
Speaker 2: they make it really hard to cancel your subscription to
Speaker 2: Green Chef. They do not want you to go. And
Speaker 2: this may be the case for all these meal delivery plans.
Speaker 2: But like you can skip a week, you can go
Speaker 2: to your calendar and say I'm gonna skip this week,
Speaker 2: but then you have to do it. You can only
Speaker 2: do up to four weeks at a time, so you
Speaker 2: have to remember to come back and skip if you forget.
Speaker 2: And thank goodness, I checked my email and I saw
Speaker 2: a reminder because I had skipped the last four weeks
Speaker 2: and it was like, you're a due for a meal
Speaker 2: kit next week. You only have twenty four hours to
Speaker 2: cancel it. And I quickly canceled. I was like, I'm
Speaker 2: done with this. I want to cancel. You have to
Speaker 2: send an email to them. You can't even like do
Speaker 2: it through the website. You have to And the answer
Speaker 2: to how do I cancel my subscription isn't any where
Speaker 2: easy to find. It's not in your account settings, It's
Speaker 2: not in your profile. You actually have to go to
Speaker 2: the faq and then find the question how do I
Speaker 2: cancel my subscription all the way at the bottom almost
Speaker 2: and then email them personally to ask to have your
Speaker 2: subscription canceled. So that was like a mini break. But anyway,
Speaker 2: my my real break is I was like, Okay, we're
Speaker 2: going to go to Trader Joe's this weekend. I'm going
Speaker 2: to get I'm going to get like, I'm going to
Speaker 2: get some protein, I'm gonna get vegetables. I'm gonna get
Speaker 2: I got some spaghetti squash to make, like my favorite,
Speaker 2: you know, low carb pasta or whatever. Have you ever
Speaker 2: had spaghetti squash? Side note, No, I'm not a big
Speaker 2: squash fan, but listen, if you're doing like vegan, I
Speaker 2: don't know, you can't eat pasta right because it has
Speaker 2: eggs in it. Right, Listen, like spaghet squash. It's so cool.
Speaker 2: You cut it in half, you put it in the oven,
Speaker 2: and it looks it looks crazy. It looks like the
Speaker 2: inside of a pumpkin. You have to scoop the seeds out,
Speaker 2: but then you just drizzle olive oil, salt and pepper.
Speaker 2: Put it face down on a pan and for forty
Speaker 2: five minutes and that's it. And then you can take
Speaker 2: a fork and you scrape it and it comes out
Speaker 2: like noodles, but it's squashed. It doesn't have any strong taste.
Speaker 2: It's just like a really good and it takes on
Speaker 2: the flavor whatever sauce you put on it, so it
Speaker 2: becomes like a really healthy alternative to spaghetti. So I
Speaker 2: know you should. You should definitely try it. You have
Speaker 2: to put in the rotation, but it's so good, you.
Speaker 1: Know I'm gonna try. Because I only don't like squash
Speaker 1: because of a bad childhood experience. I carried.
Speaker 2: Squash horror story.
Speaker 1: So I'm like, so i've ever since that, I'm just like,
Speaker 1: I don't like scratch, even though I probably have not
Speaker 1: Like I like pumpkin, which isn't that a former squash
Speaker 1: who eats pumpkin. I mean it's.
Speaker 2: Pumpkin, like a pumpkin pie. That's not real pumpkin.
Speaker 1: No, I've had like there's like there's just Jamaican dishes
Speaker 1: that they have like pumpkin. It's like pumpkin soup and
Speaker 1: pumpkin stew, and I like it. Okay, but yeah, so
Speaker 1: I'm gonna try. I will try.
Speaker 2: It's not really it's fun and it's tasty, but I'm
Speaker 2: getting off track again yet again.
Speaker 1: That's what we always Okay, So.
Speaker 2: First it took a mini break. Now sidebar, Now back
Speaker 2: to the mad break. Anyway, We're at Trader Doos. I'm
Speaker 2: getting all these ingredients and I get home. First of all,
Speaker 2: I'm exhausted from even going to Twitder Joe's. And then
Speaker 2: I spend the next three hours I'm gonna I try
Speaker 2: to cook all the food I'll need for lunch during
Speaker 2: the week, because I usually spend like between twelve and
Speaker 2: fifteen dollars a day eating out in New York City
Speaker 2: for lunch or whatever, easily twelve fifteen dollars. So I'm
Speaker 2: trying to cook enough lunch for the week to try
Speaker 2: it out. It took me four hours. Like I didn't
Speaker 2: know how much your back could hurt from standing in
Speaker 2: the kitchen all day, cause you're it's not just cooking
Speaker 2: one piece of chicken or two beets like for two people.
Speaker 2: When you're trying to you need every pot and pan,
Speaker 2: like the biggest pans you have. Everything takes longer to
Speaker 2: cook when you're cooking into big batches. Maybe I was
Speaker 2: just a little too ambitious with the meal I chose,
Speaker 2: but I felt like it was not worth the money
Speaker 2: I was saving to spend four hours of my Sunday,
Speaker 2: my beautiful Sunday, just just like slaving over a hot stove.
Speaker 1: I mean, I think that cooking can be sird of overrating.
Speaker 1: I'm not gonna lie some days, I'm just like I
Speaker 1: remember one time hearing like this radio host saying, look,
Speaker 1: my job as the wife is to make sure you eat,
Speaker 1: whether or not I cook it or not, that's my business.
Speaker 2: How I wish my mom was that way too. My
Speaker 2: mom would would like know she would have no guilt
Speaker 2: over just slapping down a sack of Taco Bell tacos
Speaker 2: on like a Wednesday night and being like, this is
Speaker 2: all it's gonna happen to night. Kids. Adjust your expectations
Speaker 2: all I can do.
Speaker 1: So I feel like that's how I mean that I
Speaker 1: do cook because I do enjoy it, but night's where
Speaker 1: I'm like, yeah, So the good thing about Hopeful do
Speaker 1: they have a hot whole food market, which I want?
Speaker 1: And so yeah, so like Friday nights, I just don't cook.
Speaker 1: And then I just kind of cook when I get
Speaker 1: a chance, like today, you know, Superman, for whatever reason,
Speaker 1: he decided he wanted meatball subs or palm or whatever
Speaker 1: it is. So he made them, which I thought was
Speaker 1: so cute for him and Supergirl, and I was like, okay, well,
Speaker 1: I'm glad you cooked today because Mondays are like my
Speaker 1: busiest days, and so he cooks, but typically he cooks
Speaker 1: very guyish, so today it was like a huge departure.
Speaker 1: I was like, look at you get in fancy because
Speaker 1: he has this thing called turkey ronie, which I'm like, uh.
Speaker 2: I was gonna say, how do you eat meat ball subs?
Speaker 1: Well, he just WoT, we just like we have the
Speaker 1: ground turkey. So he just seasoned them up and baked them,
Speaker 1: which I'm not sure IF's the way he's supposed to.
Speaker 2: Do it, but I was like, I guess you can
Speaker 2: bake the falls. Yeah, And I was like, what's happening, Blond,
Speaker 2: He's like baking.
Speaker 1: There's like twelve meet balls. He's like baking them, and
Speaker 1: I guess he went out and went to get like
Speaker 1: that crusty like long bread you know that it's just
Speaker 1: gonna cut them and slice them and then put like
Speaker 1: two or three metcalfs in each and some cheese and
Speaker 1: some sauce, and you know, him and Supergirl will have
Speaker 1: a delicious time, I guess. And so I thought that
Speaker 1: was cute, But usually his his normal fare is very basic,
Speaker 1: to say the least, Like, like I said, turkey roni,
Speaker 1: which is just elbow macaroni with ground turkey. It's basically
Speaker 1: spaghetti sauce, spaghetti with elbow macaroni and ground turkey, and
Speaker 1: like you know whatever, mixed bag of vegetables. And he
Speaker 1: swears that it is the Bob dot com because he
Speaker 1: will make up that of it you could swim in
Speaker 1: the I'm like, who was eating all this turkey ronni? Sir?
Speaker 2: So like, I'm putting in the freezer. We'll save it
Speaker 2: for later in the back well.
Speaker 1: Whenever he makes turkey roni, I just invite the neighborhood kids.
Speaker 1: They always ko got the door for food anyway. I'm like,
Speaker 1: who wants turkey ronni? They're like, oh, mister drown make
Speaker 1: turkey ronni.
Speaker 2: I'm like, I'm back to small batch cooking and hanging
Speaker 2: out because I feel like my time is firth money.
Speaker 2: But I'm like, what's the point in doing well. I
Speaker 2: mean there were I remember back in my law three sixty,
Speaker 2: like Business Insider days, when I would literally get the
Speaker 2: ninety nine cent can of sad Trader joe soup and
Speaker 2: I would eat and I would mix it with the
Speaker 2: free pretzel rod sticks but used to have in the
Speaker 2: kitchen at Business Insider, and I would nuke it in
Speaker 2: the microwave. And I'm not even like the saddest soups
Speaker 2: like turkey chili, like dog food and like split pea soup.
Speaker 2: I can still remember the texture of the split Peace
Speaker 2: soup from Trader Joe's because that's all I could have.
Speaker 2: You know, I was so broke, and you know that
Speaker 2: that was eight years ago, Amandy, Like treat yourself to
Speaker 2: a ten dollars salad. Just do it, Just do it.
Speaker 1: That it is hard to get past that. We should
Speaker 1: talk about that and in like one day for our
Speaker 1: tips or whatever, like how do you get past the
Speaker 1: financial guilt of not.
Speaker 2: Being broken anymore? And like treating Like how do you
Speaker 2: know when it's lifestyle inflation because you don't have to
Speaker 2: worry about that too, you know, like just because I'm
Speaker 2: earning motes, I mean I need to be wilding out
Speaker 2: and like doing you know, getting the bigger apartment, getting
Speaker 2: the bigger you know, car, and not that I'm doing that,
Speaker 2: but I think people will run into that problem. And
Speaker 2: it's it's like, yeah, you want to prevent that, but
Speaker 2: also you don't want to be nickel and diming yourself
Speaker 2: to death to where you know you're spending half your
Speaker 2: Sunday like I was slaving ye.
Speaker 1: All right, all right, well questions. We have a good
Speaker 1: question today.
Speaker 2: Questions. As always, we have some good questions. Just a reminder,
Speaker 2: you guys can go to Brannambisson podcast dot com send
Speaker 2: us your questions. You can be anonymous. We promised no
Speaker 2: one has been outed yet on this show.
Speaker 1: We will keep keep for our boos. Right, they're like
Speaker 1: you said my.
Speaker 2: Name, thanks zillions of times. And if you follow us
Speaker 2: on Instagram, I mean at least me, you know who
Speaker 2: the boo is. But anyway, the biggest, the worst kept secret. Anyway, Yeah,
Speaker 2: we have a good question, So briannibisionpodcast dot com send
Speaker 2: us a question click that asks us anything tab or
Speaker 2: you can email us at Brannambission Podcast at gmail dot
Speaker 2: com dot com.
Speaker 1: That's how you pause.
Speaker 2: I'm like, that was a layup. I set it up
Speaker 2: for you. You did, Okay, Okay, we have a good question.
Speaker 2: So this person, her name is Tiana. She said there,
Speaker 2: I really need to repair my credit, and I don't
Speaker 2: know where to begin. Besides my student loans which are
Speaker 2: currently in deferment and a voluntary reprocession, I don't have
Speaker 2: much on my credit report. Negatively, I have a lot
Speaker 2: of inquiries that needs to be removed. But I need
Speaker 2: to find out the best secured card and how to
Speaker 2: get some financial freedom. Tiana wants to rebuild her credit.
Speaker 2: Student loans are in deferment, she has a voluntary repo
Speaker 2: that's a car repossession. I'm assuming on her credit, she
Speaker 2: has inquiry so it sounds like she's been applying for credit. Yeah,
Speaker 2: and she says that needs to be removed. Well, those
Speaker 2: can't be removed.
Speaker 1: I was going to say that.
Speaker 2: Point one.
Speaker 1: Well, I think, well, where you work, Mandy is a
Speaker 1: great place to start. Magnify money for secured cards. That's
Speaker 1: where I send everyone.
Speaker 2: Honestly, what's a secured card, Tiffany, Well, a secured car
Speaker 2: card is.
Speaker 1: I call it a credit card with training wheels, because
Speaker 1: a secured card is like, hey girl, we don't trust
Speaker 1: you with our money. So what we're gonna do. What
Speaker 1: we're gonna do is we're gonna take your money about
Speaker 1: five or six hundred dollars and put it in a
Speaker 1: money market account, which is just a glorified savings account.
Speaker 1: And then we're gonna give you a card and guess
Speaker 1: what your limit's gonna be that same six hundred dollars
Speaker 1: that we put up. And as you're swiping your card,
Speaker 1: if for whatever reason, you decide to get cute and
Speaker 1: not pay us, we're gonna just take the money out
Speaker 1: of your money market account and pay off the card.
Speaker 1: I cannot stress enough how important it is that if
Speaker 1: you are not ready to make on time payments, do
Speaker 1: not get a secured card like you could, because it's
Speaker 1: already like I equate getting a secured card and was like, m,
Speaker 1: you kind of messed up in credit class. So you're
Speaker 1: set to detention, so you have time to redeem yourself.
Speaker 1: But if you active a detention, then you might get expelled.
Speaker 1: So if you're not really ready to do, what to
Speaker 1: do right with a secured card? Because what that what
Speaker 1: does that say? If you're like, yo, I can't even
Speaker 1: pay myself back no one is going to trust you
Speaker 1: to pay them back. So that's what I would go
Speaker 1: to magnify money type in kind of like if you
Speaker 1: I think it's like a drop down menu for secured cards,
Speaker 1: and just know that you have to pony up usually
Speaker 1: between like five and six hundred dollars and they'll put
Speaker 1: that up for you and they'll give you the secured
Speaker 1: card for that limit. And also a great place to
Speaker 1: look for a secured card is your bank. Some banks
Speaker 1: have secured cards, and sometimes I prefer getting a secured
Speaker 1: card directly from the bank that you are actually bank at,
Speaker 1: if they have one. Because like Superman when I met him,
Speaker 1: he had a secured card at his bank, and then
Speaker 1: after meeting him and then helping him like pay like
Speaker 1: get his credit like to where it needed to be,
Speaker 1: they actually took the secured cart off his card and
Speaker 1: made it a regular card. So the bank, because there
Speaker 1: was already a bank card, he didn't have to reapply
Speaker 1: for a regular card. They just basically upgraded him without
Speaker 1: that inquiry, which was great. Even though he thought that
Speaker 1: he won five hundred dollars, he was like, bank, that's
Speaker 1: not five hundred, Mandy, you would have been rolling we're
Speaker 1: at the bank, which is like weird because who goes
Speaker 1: to the bank, but whatever, and I guess he checked
Speaker 1: his balance. He was like let's go. I'm like, why
Speaker 1: are we rushing out? He was like this five hundred
Speaker 1: dollars in by account And I was like, sir, like
Speaker 1: either way, if it's not your't they gotta come get it?
Speaker 1: Like what do you think is happening? And so we
Speaker 1: asked the front and like you know, they looked at
Speaker 1: his account. They're like, oh, your security card and you've
Speaker 1: done well with it for like the last six months
Speaker 1: or eight months or whatever, and we made a regular card,
Speaker 1: so we just gave you back your security basically. And
Speaker 1: I looked at him like you were about to go
Speaker 1: out there and trick up your money, your own money.
Speaker 2: Well, then they need to notify you. See, you don't
Speaker 2: get confused.
Speaker 1: He was so exciting.
Speaker 2: He was like, we didn't make a withdrawal.
Speaker 1: I know, let's go, let's go.
Speaker 2: I was like, what, yeah, how many? How many headlines
Speaker 2: to be? We always see the one like once every
Speaker 2: few or a few months. There's always a headline like
Speaker 2: so and so spent like a multi thousand dollars, you know,
Speaker 2: mysterious deposited the bank account, and then so and so
Speaker 2: got arrested or so and so, you know, get clawed
Speaker 2: back by the bank. You don't Unlike, it's one thing,
Speaker 2: you know, recently, I got to pay out from like
Speaker 2: an old insurance claim I completely forgot about, and like,
Speaker 2: I'm not going to do my due diligence to make
Speaker 2: sure that, you know, go back and remember what this
Speaker 2: check is all about or what it was like from
Speaker 2: three years ago. I called them, they said, yes, it's
Speaker 2: a fine to cash it, So I cashed it. But
Speaker 2: like a bank, I don't know. I feel like that's
Speaker 2: the one thing if you get a mysterious bank deposit
Speaker 2: that's you don't want to just assume that it's yours
Speaker 2: because it's not. Prallly ain't. But yeah, secured cards. I'm
Speaker 2: going to actually last year for the Liberature Challenge Magnify Money,
Speaker 2: we did like a secured credit card guide right for
Speaker 2: your Liberature participants, So I might just resurrect that and
Speaker 2: put that in the show notes if you're looking for
Speaker 2: a secured card, and also if you're like brand new
Speaker 2: and you just started college or you graduated from college
Speaker 2: and you didn't have any credit while you were in college,
Speaker 2: don't have any student loans or whatever, then a secured
Speaker 2: card is a good way to build credit, even if
Speaker 2: you like it's not just for people who have bad credit.
Speaker 2: It's also good if you don't have any credit, yeah,
Speaker 2: to rebuild it.
Speaker 1: And also, what do you think about self Lender? Thus far,
Speaker 1: I've liked them.
Speaker 2: I don't have enough about self Lender. I know, I
Speaker 2: know enough to be like, I don't know if I
Speaker 2: trust this.
Speaker 1: Well. I a year ago I started doing a little
Speaker 1: bit of research on them, and a bunch of because
Speaker 1: a bunch of dream Catchers, you know, the budgetiese. The gang.
Speaker 1: They started saying signing up on their own. So I
Speaker 1: was like, and they would ask me my opinion, and
Speaker 1: I was always like, well, I can't. I can't, you know,
Speaker 1: give a thumbs up to anything that I have not
Speaker 1: signed up and use. So I did just to see
Speaker 1: and honestly that's far. I mean, well, my credit score
Speaker 1: was pretty good already, so I was a hard gauge,
Speaker 1: you know, because I'm in the eight hundreds. But I
Speaker 1: certainly didn't drop anything. So the way self Lender works,
Speaker 1: for those of you listening, is that self lender. You
Speaker 1: you sign up for self lender, I always say, borrow
Speaker 1: the smallest amount possible, which is I think it's five
Speaker 1: hundred dollars. But when you're borrowing quote five hundred dollars,
Speaker 1: they're not actually giving you the five hundred. They're putting
Speaker 1: it in that same money market account like we talked
Speaker 1: about before, and then you pay it back every month,
Speaker 1: and I think it's like maybe like a forty nine
Speaker 1: bucks or whatever it is. And then at the end
Speaker 1: of the year you have paid back the five hundred,
Speaker 1: and then they basically give you that money back because
Speaker 1: you never actually got it. So you're basically putting up
Speaker 1: the money. You get that lump sum back, that five
Speaker 1: hundred back, and I think it costs by the time
Speaker 1: it's all said and done, it costs like maybe like
Speaker 1: I don't know, I want to say twenty or thirty
Speaker 1: bucks or whatever, like that's the quote unquote fee, because
Speaker 1: you're gonna be paying the monthly amount plus a little
Speaker 1: interest every month, and so it ends up being about
Speaker 1: twenty something bucks from what I remember. What I like
Speaker 1: about self lender is that one you know, as you're
Speaker 1: paying the monthly fee or you're paying the monthly, you know,
Speaker 1: the five hundred dollars off in monthly increments, it shows
Speaker 1: for twelve months that you've paid every single month, So
Speaker 1: that's what's supposed to raise your credit score. And at
Speaker 1: the end, or you pay it off, you get an
Speaker 1: additional boost because you paid off the debt in full,
Speaker 1: even though you technically didn't get that money. And then
Speaker 1: it's a savings tool and that you get that lump
Speaker 1: sum back to you. So thus far, honestly, I've liked.
Speaker 1: It's been about a year, so I can confidently say
Speaker 1: I haven't had any negative feedback about self Lender. I
Speaker 1: signed up, and like I said, for me, it's a
Speaker 1: little weird because I already had good credit. So I
Speaker 1: definitely have heard people varying degrees of success as far
Speaker 1: as credit score bump. So you know, some people like
Speaker 1: you know, oh, I've raised one hundred something points and
Speaker 1: some people twenty. So it all depends on like your
Speaker 1: other credit stuff. And what I really like about self
Speaker 1: lenders is there's no inquiry. They don't. You don't get
Speaker 1: approved by self lender based upon your credit history. You
Speaker 1: get approved based upon what's called check systems, which is
Speaker 1: basically like the bank's tattletale system. So if you overdraft
Speaker 1: with a bank and don't pay them back or you
Speaker 1: owe the bank money, they will report you to check
Speaker 1: systems and they'll basically other banks won't mess with you
Speaker 1: as a result. So self lender just looks there and says,
Speaker 1: have you and reported the check systems and the answer
Speaker 1: is no, then you'll then you can check, then you'll
Speaker 1: you can sign up for self lender, So it's not
Speaker 1: it's not contingent upon your your credit score, credit report.
Speaker 2: So so basically self lender is like a secured card,
Speaker 2: except as an online loan, and you're not like actually
Speaker 2: swiping a card exactly.
Speaker 1: And what's different is that because a lot of people
Speaker 1: don't have the five or six hundred for the for
Speaker 1: the secured card that you have to put up, so
Speaker 1: self lender doesn't require that. They basically say, hey, Mandy,
Speaker 1: you're gonna borrow five hundred from us, but we're not
Speaker 1: gonna give it to you. We're gonna put it up,
Speaker 1: but you're gonna pay it back, and then once you
Speaker 1: finished paying it back, we've got to give your money back.
Speaker 1: So it's so if you don't have the money for
Speaker 1: secured card. It's another option. That's what I like about
Speaker 1: it because not everybody has five or six hundred dollars.
Speaker 2: Yeah, that's absolutely true. That's interesting. I actually Magnified Money
Speaker 2: did a review on this right before I started last year,
Speaker 2: and I'll post that as well. It'll just kind of
Speaker 2: break down what Tiffany was just talking about how self
Speaker 2: lender works, pros and cons and other ways to build credit.
Speaker 1: Yeah, I said a bunch of ways, and that's the word.
Speaker 1: You can also sign up for the Live Riture Challenge.
Speaker 1: Me and Mandy you know, we're integral parts. I mean
Speaker 1: obviously I was, but.
Speaker 2: Yes, he was around.
Speaker 1: But no, it's totally free and we partner with Magnify
Speaker 1: Money and then every week you guys get to because
Speaker 1: we had such a good time, we do like me
Speaker 1: and Mandy did like a weekly powow to talk about
Speaker 1: the challenge. And so if you go to l RC
Speaker 1: credit dot com, it's totally free, it's awesome, and there's
Speaker 1: a bunch of Magnified Money like resources and stuff in there.
Speaker 1: So l RC Credit for Literature Challenge dot com And
Speaker 1: if you want to raise your credit score without having
Speaker 1: to pay anybody to help you.
Speaker 4: Okay, it's time for Windesday.
Speaker 1: Get it Wednesday. I did that last week.
Speaker 2: I did, right, you did. But it's still good.
Speaker 1: Yes, it's still good Wednesday. Yeah, but I'm bump chain.
Speaker 1: We'll be here all night, all right, So when do
Speaker 1: you go first? Because I'm still thinking about my winning.
Speaker 2: Yeah, So I rewatched Hidden Figures over the weekend because
Speaker 2: it's just becoming it's becoming my favorite feel good movie.
Speaker 2: But I wanted to give a special special shout out
Speaker 2: because Catherine Johnson, who was portrayed by, of course, to
Speaker 2: Roji p Henson in the movie NASA. Oh, I'm pulling
Speaker 2: up the headline now, NASA decided to honor her and
Speaker 2: gave her a dedicate, dedicated a new research facility to
Speaker 2: her after decades of her being a quote unquote hidden figure.
Speaker 2: And if you haven't seen Hidden Figures, you must. You
Speaker 2: must go out and see it right now. It's such
Speaker 2: a good movie. But to Catherine Johnson, who's like, I
Speaker 2: don't know how old is she not like a hundred
Speaker 2: or something, just finally getting her dues, I love that.
Speaker 1: For me, my win is just brown women because I
Speaker 1: feel like right now we're really I mean not that
Speaker 1: we haven't been slaying, but I feel like the all
Speaker 1: the starting to you know, starting to realize, like from
Speaker 1: Rihanna and Fancy Beauty from like you said, hidden Figures
Speaker 1: from like A Girl's Trip. I just feel like there's
Speaker 1: this uptick and trend in like brown girl dopeness that
Speaker 1: we knew, like in our brown girl community. But I
Speaker 1: feel as the world is like, hold up, wait a minute.
Speaker 1: I'm like, yeah, we've we've been lit. What we've been lit?
Speaker 1: You just now notice it best kept secret? Yes, And
Speaker 1: I just feel like, you know that it's like, you know,
Speaker 1: what is it was it Forbes that had that article
Speaker 1: that said the fastest growing group that is that are
Speaker 1: starting businesses, it's black women. And so browness overall is
Speaker 1: just really rocking out. And I just, you know, just
Speaker 1: want to give a shout out to my other brown
Speaker 1: sisters out here in this struggle, just trying to be
Speaker 1: cute and fly and maintain life. And we see you
Speaker 1: and and we just enjoy you because we know that
Speaker 1: you make up the majority of our audience. Although we
Speaker 1: love you all, you know, just a little shout out
Speaker 1: to the brown Brown ambition sistars.
Speaker 2: To piggyback, though I feel like it's not just it's
Speaker 2: not just it's it's brown women, but it's also brown
Speaker 2: women supporting brown women. It's like a lot of there's
Speaker 2: just real sense of community and like holding people up
Speaker 2: and letting them shine and shining lights and other people
Speaker 2: and it's just it. It goes against every stereotype out there.
Speaker 2: I think of how women interact with one another, you know,
Speaker 2: even at I don't know, I just I just feel it.
Speaker 2: I feel like the women in my life, you know,
Speaker 2: the older I get, become even more important and you know,
Speaker 2: shout out to women helping women. I love that gift
Speaker 2: of like have you seen it with that? You know,
Speaker 2: you know, I'm not even describe it. You know what
Speaker 2: I'm talking about.
Speaker 1: It's like the women lifting each other up and it's
Speaker 1: so dope. It's like a cartoon. Yeah yeah, yeah, yeah,
Speaker 1: I love that gift. I feel like, now you have
Speaker 1: to find an input inside the home. So yeah, now
Speaker 1: it's time to say goodbye to all our family. Bro
Speaker 1: o wn ambitchun. That was good.
Speaker 2: And now I know what the reference is what Nicky
Speaker 2: Girls Club. You told me that one time. I didn't
Speaker 2: know what it was. Oh yeah, it was the whole thing. Now,
Speaker 2: I know the education of Mandy.
Speaker 1: Yeah, it's a miseducation of Bandy