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Speaker 1: Hey, hey, hey, ba fam, here's another how to throwback. Yes, honey.

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Speaker 1: In this episode, Mayday and I discussed how to avoid

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Speaker 1: fraud and protect your identity. Aren't these like Monday throwback appies?

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Speaker 1: Epic appies are epic and you see what I did there? Anyway, listen,

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Speaker 1: love share, It's time.

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Speaker 2: For the b a q a a the ba Qa

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Speaker 2: which sir b q a mandod theo b a q

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Speaker 2: a which in fine, let me a qa a.

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Speaker 1: So what is b a q a For the people

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Speaker 1: who've never been here before?

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Speaker 3: Where you been?

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Speaker 2: Welcome?

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Speaker 3: Friends? The b a qa is a very special bonus

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Speaker 3: episode of ba that comes out on Fridays, and we

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Speaker 3: answer your questions because we have a bajillion of them.

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Speaker 3: From y'all. You can ask us anything career, finance related,

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Speaker 3: business related. Just remember that we are not your financial advisors,

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Speaker 3: your investment advisors, anyone that you pay to actually give

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Speaker 3: you advice, which means we're just making up things based

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Speaker 3: on our own intelligence. So I say, get your salt

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Speaker 3: shakers out and take it with a huge grain of salt.

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Speaker 3: Whatever we say, but there's no getting around it. We

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Speaker 3: are some smart brown women. Okay, So we love the segment.

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Speaker 3: If y'all want to send us your questions, you can

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Speaker 3: go to Brandanambission podcast dot com and ask us anything,

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Speaker 3: or you can slide into our DMS on ig We

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Speaker 3: are at brand Ambission Podcast and send us a question there.

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Speaker 1: Do you what did the first question?

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Speaker 3: I didn't take a breath you read it. There's a

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Speaker 3: lot of talking here.

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Speaker 1: This is from Ashley from IG. Hey, Mandy, I was

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Speaker 1: one of your first Mandy money makers. Woo woo. We

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Speaker 1: love a stand of Mandy. Thank you so much for

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Speaker 1: all that you've done and taught me. My question today

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Speaker 1: is how can I protect myself from identity theft? This

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Speaker 1: morning I woke up to new emails about small business

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Speaker 1: social security account update and a purchase of two new iPhones.

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Speaker 1: Please help, Ashley, do you have to pay for credit security?

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Speaker 3: Oh wow, something's going on there, Like they're saying, yeah,

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Speaker 3: your social security account has been updated, purchase of two

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Speaker 3: new iPhones as The first thing I do whenever I

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Speaker 3: get those emails is check the email address that it

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Speaker 3: came from, because I just for example, I just started

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Speaker 3: to advertise on Facebook a week ago and I got

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Speaker 3: the most legitimate looking email about my ADS account being

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Speaker 3: in violation of their rules, which is like one of

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Speaker 3: the It can happen all the time with your when

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Speaker 3: you're doing ads, it's really easy to upset the Facebook gods.

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Speaker 3: And you don't want to do that because then you

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Speaker 3: waste money in time anyway, And I was almost like,

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Speaker 3: I need to click this link and figure out what

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Speaker 3: I've done, but it just something about it, like the formatting.

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Speaker 3: And so I checked the email address and it was

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Speaker 3: like from an Outlook account, you know. So I think

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Speaker 3: the first thing for to secure yourself is to be

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Speaker 3: aware of what phishing attempts look like, which seems to

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Speaker 3: old school, but they still happen, you know. So check

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Speaker 3: that email address. You can also hover over any hyperlinks

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Speaker 3: and see where it's actually trying to direct you to.

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Speaker 3: And if it's not to, you know, a legitimate website,

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Speaker 3: then I would just say, excuse me, immediately kick it

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Speaker 3: to spam or to junk. That's how I feel about email.

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Speaker 3: But now it's like, come into your text do you

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Speaker 3: get do you get fishing text?

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Speaker 1: Now? Girl? Yes? Talk about this the irs. I'm like, girls,

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Speaker 1: you texted now.

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Speaker 3: I'm like, with your lack of funding right now?

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Speaker 1: So no, first and foremost that like whatever I get

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Speaker 1: to Mandy's point, you know, I check the email to say,

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Speaker 1: like who's the email at just coming from? And then

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Speaker 1: typically I'll call the company directly if that's available to

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Speaker 1: me to call the company directly. But one thing I

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Speaker 1: had to do so when my late husband was still here,

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Speaker 1: his I don't know why, but they used to steal

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Speaker 1: that man's that poor man's identity all the time. Like

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Speaker 1: literally one time they bought a car and we only

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Speaker 1: knew because they were like based in I don't know,

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Speaker 1: like upstate New York or someplace far where they were

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Speaker 1: getting tickets from easy Paths and so they were.

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Speaker 3: Going to start with Janelle's name, Jerell's name, and then

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Speaker 3: got a loan or something.

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Speaker 1: Something, and then they were get like you know, they

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Speaker 1: had an easy pass the cap they put in his

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Speaker 1: name and was not paying the ticket, so we were

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Speaker 1: getting easy pass tickets. That's how we found out. It

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Speaker 1: was just a mess. I would say at least three

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Speaker 1: times when I was with him and he said it

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Speaker 1: happened before, Like I'm like, so I'm assuming that his

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Speaker 1: probably information was on some crazy you know, like what

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Speaker 1: it's like the dark web, you know, and so they're

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Speaker 1: probably just swapping it out. Plus two, Jerell's an identical twin.

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Speaker 1: His twins' name is Terrell, so you have Jerrell Smith

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Speaker 1: Terrell Smith, both born on the same day, and so

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Speaker 1: oftentimes they would see each other's things on each other's

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Speaker 1: credits of reports, because that happens too with juniors. Oftentimes

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Speaker 1: that will happen, especially if you're in the same house.

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Speaker 1: Your dad is a senior, you're a junior, but you're

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Speaker 1: both named Robert Smith and you live at the same place.

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Speaker 1: So sometimes you'll see your stuff on the each other's

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Speaker 1: credit report. But it happens with twins who have similar

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Speaker 1: names too.

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Speaker 3: Oh really, so what would they do then? Would they

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Speaker 3: have to like dispute it or yeah? Girl, there was

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Speaker 3: like whatever.

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Speaker 1: I was like, this is why your credit oh life whatever.

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Speaker 1: So when I came along, I said, bab we got

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Speaker 1: you something about this because this is crazy. So we

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Speaker 1: actually this is not sponsored or anything like that. They

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Speaker 1: haven't give me any money like as Budgety Store or Brownhibition.

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Speaker 1: We actually signed up for LifeLock and it stopped it instantly.

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Speaker 3: Tell me about LifeLock or these Yeah, because I haven't

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Speaker 3: I have never invested in something like that.

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Speaker 1: I can't remember how much Lifelong costs caause now I

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Speaker 1: just like haven't automated. I think at the time it

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Speaker 1: was like maybe like ten bucks a month. Maybe it's

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Speaker 1: a little bit more now maybe twenty bucks or something.

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Speaker 1: Whatever it is. So we got LifeLock signed up for it.

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Speaker 1: And what I like about LifeLock is even for me.

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Speaker 1: I remember once I went to go open up a

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Speaker 1: bank account at like my regular bank whatever, and the

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Speaker 1: bank was like, we're not able to and I'm like why,

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Speaker 1: And then I got a text from LifeLock saying someone's

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Speaker 1: trying to open up a bank account. If that's you,

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Speaker 1: click yes. If that's you, click no, And I was like, oh,

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Speaker 1: that's right. So I had to approve. So I would

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Speaker 1: get a text or email, and typically it's a text,

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Speaker 1: email and phone call to say any new card, any

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Speaker 1: new bank account, any new debt that I'm trying to

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Speaker 1: get into. LifeLock would hit me up and say is

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Speaker 1: this you, which you know, like sometimes if you forget

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Speaker 1: like me, which I always forget, and I'm like, why

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Speaker 1: can't you open it? I'm like, oh, that's right. So

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Speaker 1: that's one thing like LifeLock, but also too. You can

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Speaker 1: go directly to like Experience, Echo Fax, TransUnion and you

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Speaker 1: can actually freeze. I did this with Jirell after he

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Speaker 1: passed away. My financial advisor, Anjelie said right away, Tiffany,

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Speaker 1: because when people know that someone passed away, they know

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Speaker 1: you're in grief, and they will sometimes attack that person's

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Speaker 1: you know, financial credit and background and just start using

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Speaker 1: it up. So I went into each of those specific

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Speaker 1: accounts and froze his credit. And you can freeze and unfreeze,

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Speaker 1: but I froze it obviously indefinitely, so no one can

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Speaker 1: open up anything in his name. And I just am

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Speaker 1: not paying attention because it's not me, And so that's.

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Speaker 3: Something so smart too. I did that now I'm remembering

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Speaker 3: because I was telling Tiff'm like, I think I'm pretty

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Speaker 3: delinquent with my identity, but I did do the credit freeze.

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Speaker 3: This was I mean think Equifax data breach back in

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Speaker 3: like twenty sixteen really spooked me. But I mean there's

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Speaker 3: so many, it's just so many data breaches they can't

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Speaker 3: even keep It's not even that big of a news

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Speaker 3: anymore because it just happens all the time. But yeah,

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Speaker 3: credit freeze, and I remember then I started shopping for

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Speaker 3: a mortgage, and I was annoyed by it because I'm like,

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Speaker 3: damn it, I got to unfreeze and all that. So

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Speaker 3: now that I'm not shopping for a mortgage I did,

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Speaker 3: you can thaw it, and then it's just annoying because

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Speaker 3: you have to like thaw it at the bureaus where

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Speaker 3: your loan. Your lender is gonna request to chat it,

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Speaker 3: you know. But I think it's totally worth it because

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Speaker 3: why wouldn't you want to have that extra layer of protection,

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Speaker 3: you know, because like even opening a cell phone, you

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Speaker 3: can't do that if you have a credit freeze nothing.

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Speaker 1: So a credit freeze to me is if you know

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Speaker 1: you're not getting anything for a while and something like

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Speaker 1: this has happened, you can freeze just to stop any activity.

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Speaker 1: Let's just say your stuff is in a dark web,

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Speaker 1: I'm freezing it for the next two months, no one

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Speaker 1: is gonna and then after that, if you don't want

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Speaker 1: the issue, like Mandy said, the thaw and freeze saw

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Speaker 1: and freeze, you can get like a lifeblock or some

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Speaker 1: similar type of company where before anything happens, you know,

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Speaker 1: you get the text or the call, you just have

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Speaker 1: to prove and so those two things. Honestly, since then,

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Speaker 1: you know, Jirell's identity stopped being stolen and I never

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Speaker 1: had my identity stolen. But I signed up because I

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Speaker 1: was like, well, we're here now because you could do

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Speaker 1: like a family plan, and so my identity has never

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Speaker 1: been stolen, which is, you know, there have been things

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Speaker 1: on there. They're like, I don't recognize this, and I realized, like, oh,

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Speaker 1: the company sometimes has a different working name than a

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Speaker 1: doing business name, and I'm like, ah, that was me.

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Speaker 3: Oh god, I've been there. I'm like, I would never

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Speaker 3: spend that much. Meanwhile, it's like, yeah, the those four

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Speaker 3: am Instagram scrolls, they always get me with their kids'

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Speaker 3: shoes ads. Oh man, what else do I was, Oh,

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Speaker 3: there's something else?

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Speaker 1: So oh.

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Speaker 3: A friend of a friend recently lost eight thousand dollars

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Speaker 3: right before Christmas, right before the holiday season, through like

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Speaker 3: it was a phone called tech scam, and so it

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Speaker 3: started with text messages from her bank. It was Citibank

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Speaker 3: texting her and it looked really legit, and then they

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Speaker 3: escalated to calling her and we're so convincing that she

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Speaker 3: ended up giving her account information over the phone, and

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Speaker 3: then they drained her, not her, and it was her

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Speaker 3: checking account, which is really painful, you know, because with

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Speaker 3: your checking account it's sometimes harder to get those funds back.

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Speaker 3: And it was a Zell or. Sorry, she didn't give

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Speaker 3: them account information. She zelled them. She zeld them. And

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Speaker 3: if you guys know anything about Zell, one of the

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Speaker 3: pieces of controversy is that you know, you go through

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Speaker 3: these steps when you send a transfer where they're like,

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Speaker 3: be sure you know this person, because if you don't,

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Speaker 3: we are not covering you. Because if it's you who

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Speaker 3: hits the submit button and you know what you're doing, like,

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Speaker 3: we are not libable libable, We're not libel for funds

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Speaker 3: that you lose. So she was I think she's still

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Speaker 3: fighting to maybe get that eight grand back. But she's

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Speaker 3: like a single mom, and you know, it's a lot

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Speaker 3: of money to lose. So what if they're asking you

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Speaker 3: for Zelle, you deserve to be asking for every ounce

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Speaker 3: of proof, and banks probably will not be doing that.

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Speaker 3: I would just say that first and foremost. And then

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Speaker 3: she ended up. I think something struck her as odd,

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Speaker 3: and then she called City herself and they were like,

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Speaker 3: oh no, oh no. So if they're if they're saying

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Speaker 3: that they're from city. Don't bother about inconveniencing them, like,

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Speaker 3: don't worry about that, you know, hang up, say cool,

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Speaker 3: you can call me back before they want this eight

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Speaker 3: grand and call your own number directly.

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Speaker 1: That's the key. One of the women that we know,

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Speaker 1: I think her name is Shannon, she lost her house

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Speaker 1: down payment because they have the scam where, you know,

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Speaker 1: when you make the transfer, like the wire transfer when

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Speaker 1: you're purchasing at home. Yeah, and so what they'll do

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Speaker 1: is they'll you're they'll send you a fake bank like, hey,

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Speaker 1: I know, we said this is the wire number. This

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Speaker 1: is actually the updated wire number. She did not know

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Speaker 1: because it looked official. Because what they do is they

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Speaker 1: like mimic what your bank sends, and she sent it,

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Speaker 1: and wires are notorious that once it's gone is gone.

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Speaker 1: You know. That had me social because you know, I

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Speaker 1: bought my house cash five hundred and twenty thousand dollars

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Speaker 1: that can't go to the person. So what I did

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Speaker 1: was I'm mosy my way on down to the bank

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Speaker 1: and said look me in the and that's when we

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Speaker 1: did the wire on the phone. Like so the key

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Speaker 1: with that is always always always I didn't call the

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Speaker 1: number that was on the paper and we're making the transfer.

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Speaker 1: If I think I had the money and like Ally

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Speaker 1: or something like that, and I was transferred to like

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Speaker 1: their bank was like Wells farg or whatever that like

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Speaker 1: I call. I go to the Ally website and called

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Speaker 1: that number there. I never the key with anybody. Sometime

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Speaker 1: somebody is telling you something financial, even if it seems

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Speaker 1: up to I don't, like, I'm want to hang up

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Speaker 1: and I'm just going to call back because I'd rather

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Speaker 1: call back the official number so I know for sure

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Speaker 1: that like, oh, this is who I'm speaking to, versus

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Speaker 1: like who is this? So that was key I was,

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Speaker 1: but I was still nervous because you know, you just

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Speaker 1: you just feel like you never know, you never know.

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Speaker 1: So thankfully, you know, like it all worked out, because

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Speaker 1: that would have been like you would have seen no

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Speaker 1: weeping willow of a tiffany, like I love that.

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Speaker 3: And when it's wired and it's gone, you know it's

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Speaker 3: in the Canaries or you know, some other country and

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Speaker 3: you can't get that back. Man, what else? Oh, two

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Speaker 3: factor authentication is huge or any accounts that you have,

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Speaker 3: because I feel like you break into my Gmail you

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Speaker 3: have my life, you know everything about me, so two

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Speaker 3: factor authentication, these these basic practices. But I'm glad at

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Speaker 3: least that your like spidey sense has perked up enough

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Speaker 3: to ask, because that is wild and credit monitoring you

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Speaker 3: can I think she said, what did she ask? Is credit?

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Speaker 3: I thought she hasked something about a credit card. Maybe

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Speaker 3: that's the next question. Anyway, with your credit card, it's

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Speaker 3: smarter to just, you know, in general, buy big things

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Speaker 3: with your credit card, or use your credit card for

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Speaker 3: most purchases if you know you can do that responsibly

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Speaker 3: because you do have Most credit cards offer zero dollar

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Speaker 3: fraud liability, so if there is fraud and it's on

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Speaker 3: your credit card, then they will cover it, you know,

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Speaker 3: no questions ask, Whereas with your debit card, some of

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Speaker 3: them have limits on how much they'll cover, or limits

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Speaker 3: on you have to catch it and report it within

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Speaker 3: a certain timeframe, like thirty to sixty days, and if

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Speaker 3: you don't, then there's less of a chance that they'll

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Speaker 3: be able to recover the funds for you. So that's

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Speaker 3: why there's like a bit of a case for using

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Speaker 3: credit versus debit for any big, you know, purchases and

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Speaker 3: things like that. But yeah, stay stay vigilant, y'all, stay woke,

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Speaker 3: two factor authenticate, look up the email addresses, call them directly.

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Speaker 3: That's our last that's a good summary, summarized summarration. I

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Speaker 3: can't talk summation, recap of our of our advice. We're

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Speaker 3: really really smart, trust us, Okay, cool.

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Speaker 1: Let pike a break.

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Speaker 3: It's like I'm gonna get the next one.

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Speaker 1: Manny's stop, get down, We take a break, Russa, pay

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Speaker 1: some bills and be right back in black and we're back. Man,

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Speaker 1: you got the next question? Yes?

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Speaker 3: Sorry, This comes from listener Jalisa. Jalisa says, Hey, Tiffany, Amandra.

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Speaker 3: I hope it's okay to call you Mandra. Yes, of course,

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Speaker 3: I love you both so much. My name is Julisa,

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Speaker 3: like Julisa from a different Yes.

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Speaker 1: Girl.

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Speaker 3: First, let me say I love love love the documentary.

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Speaker 3: I'm sure she's talking about Tiffany's documentary. Was it called

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Speaker 3: again Get Smart? From Blenny Get Smart with Money? And Arianna,

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Speaker 3: who was Tiffany's mentee, is me I need some advice

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Speaker 3: from my financial girlfriends. Sorry, but it's going to be

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Speaker 3: a long one, Julisa, We've seen longer, but it's okay.

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Speaker 3: I'm a little over ten k and debt. It's a

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Speaker 3: mix of credit and a credit card, IRS and a

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Speaker 3: personal loan. Before researching, I opened a BT a BT

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Speaker 3: credit card and was approved for eighty five hundred dollars

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Speaker 3: zero percent interest for eighteen months with a three percent

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Speaker 3: balance transfer fee. I wasn't aware that you cannot transfer

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Speaker 3: debt from one account to another within the same bank.

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Speaker 2: Yes.

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Speaker 3: Important. I work a part time job that gives me

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Speaker 3: an extra four to sixty seven a month, and my

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Speaker 3: full time job gives me an extra two hundred dollars

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Speaker 3: a month after bills have been paid. My question is

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Speaker 3: should I put everything except the one credit card on

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Speaker 3: the BEAT?

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Speaker 2: Oh?

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Speaker 3: I know what BT is? Balance transfer? I'm like, what

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Speaker 3: bank is BT? I'm caught up. Now? Should I put

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Speaker 3: everything except one credit card onto the balance transfer credit

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Speaker 3: card and work on paying them both down? Or go

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Speaker 3: back to the basics and use the debt snowball method?

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Speaker 3: Thank you so much for all you do. Okay, So

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Speaker 3: she has ten k in debt. It's a mix of

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Speaker 3: credit card, IRS, personal loan. She has gotten approved for

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Speaker 3: up to eighty five hundred dollars on the zero percent

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Speaker 3: balance transfer card. She's not going to be able to

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Speaker 3: transfer all of that because some of it comes from

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Speaker 3: the same bank. This is very important. Tell them about it, Tiff.

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Speaker 3: The whole balance transfer thing.

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Speaker 1: So balance transfers are when you have, like ideal, you

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Speaker 1: have one card that the interest rate, you're paying interest

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Speaker 1: on it, and the ideal situation is that you get

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Speaker 1: another card that can cover what you are on the

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Speaker 1: first card, but they give you no interest payments for

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Speaker 1: ideally more than a year. So her credit score must

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Speaker 1: be pretty decent. They gave her eighteen months because that's

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Speaker 1: like one of the highest that you can get, and

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Speaker 1: I think that's what I had gotten when I made

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Speaker 1: my balance transfer, which is great, which means let's just

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Speaker 1: pretend like she was able, Like you know, the math

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Speaker 1: is easy. Where she owed ten thousand on this one

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Speaker 1: card and a different bank, and she has a balanced

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Speaker 1: transfer card of eighty five hundred, she makes the transfer

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Speaker 1: over to the eighty five hundred. Some of it will

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Speaker 1: still stay on the old car, you know, the fifteen

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Speaker 1: hundred or whatever left, but now she can every cent

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Speaker 1: that she gives to the new card actually goes to

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Speaker 1: the money owed, So that's the benefit That's how I

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Speaker 1: was able to get that. You know, remember my my

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Speaker 1: friend who's in jail now who you know? I had

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Speaker 1: the jake, the thief.

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Speaker 3: Who oh he's a jail Well, he.

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Speaker 1: Was in jail temporarily. I don't know IF's still in jail.

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Speaker 3: Let's hope, Okay.

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Speaker 1: So he left me thirty five thousand dollars in credit

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Speaker 1: card debt. And how I was able to pay it

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Speaker 1: off is I got a couple of balanced transfer cards

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Speaker 1: and transfer the thirty five thousand to those cards so

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Speaker 1: I can focus on just paying the principle, not the

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Speaker 1: principle and the fees and the interest, you know. And

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Speaker 1: it took me about three years to do so. So one,

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Speaker 1: you're you know, you're in pretty decent shape to start, but.

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Speaker 3: I what the thing is like, you have to be

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Speaker 3: careful because like her, yes, you may not know. You

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Speaker 3: can't transfer money from this, like you can't get a

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Speaker 3: Chase balance transfer card and transfer money from another Chase card.

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Speaker 3: Banks use this as a tool to get new business.

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Speaker 3: They don't want your old business, Like are your old

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Speaker 3: news girl? We got you for twenty three point nine

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Speaker 3: to nine apl already, We're not going to give you

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Speaker 3: zero percent. But Wells Fargo, but Bank of America, these

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Speaker 3: other banks they will offer, so you have to be

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Speaker 3: careful to think ahead. Okay, you want to apply for

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Speaker 3: a BT at a totally different issue or a totally

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Speaker 3: different bank.

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Speaker 1: Sorry to interrupt, No, no, So I just so if

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Speaker 1: it was me, Because it was me, I would transfer

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Speaker 1: well one. Be careful with balance treds for cards too,

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Speaker 1: because sometimes at the end of the eighteen months, if

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Speaker 1: you have not paid it off, it not only jumps

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Speaker 1: to whatever the new interest rate is, but all the

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Speaker 1: interests might come doe from the very beginning. So be careful, careful, careful.

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Speaker 1: Ja Lisa like, what are the terms? Because mine was

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Speaker 1: one of those. So I said, Tippany, I don't care

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Speaker 1: what you do. Sis. You got to get this money

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Speaker 1: off this card in the eighteen months that they've given you,

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Speaker 1: or you're not going to owe. You're not going to

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Speaker 1: owe the twenty percent on the balance that's left over.

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Speaker 1: You're going to owe the twenty percent on the original

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Speaker 1: balance you transferred over, which is cempre, so be careful

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Speaker 1: of that too. But I would honestly transfer over all

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Speaker 1: that I could and then pay my zero percent interest.

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Speaker 1: I would make that card the priority. I would still

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Speaker 1: do the snowball method, but I would make that you

397
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Speaker 1: know that the priority to pay down and pay off

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Speaker 1: as quickly as possible, since all your money is going

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Speaker 1: directly to what you owe. But I would ask myself

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Speaker 1: only transfer over what I know I could pay off

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00:19:11,320 --> 00:19:13,679
Speaker 1: in eighteen months, you know, like so like.

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Speaker 3: Just to the math because I was one away them.

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Speaker 1: Go ahead, girl, do that math.

404
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Speaker 3: Mind if I do allow me so eighty five hundred

405
00:19:22,280 --> 00:19:24,760
Speaker 3: over eighteen months, that's four seventy two a month. So

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Speaker 3: you have almost exactly what you need from your part

407
00:19:26,760 --> 00:19:29,400
Speaker 3: time job to make that a priority and pay it down.

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00:19:30,359 --> 00:19:32,520
Speaker 3: But the key is if you let one month go by,

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Speaker 3: then it's going to get more expensive and more expensive.

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Speaker 3: And you and I have been there. I got a

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Speaker 3: balance transfer credit card for more than that, and I

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Speaker 3: was like, whoo who I didn't think I didn't use

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Speaker 3: the whole balance. But then it feels like a place

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Speaker 3: you can put things because it's zero percent, And then

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Speaker 3: before you know it, you just wrack up more and more.

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Speaker 3: So it's and even for me, I know better, you know,

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Speaker 3: it got a little got a little hairy. So you

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Speaker 3: have to be super disciplined, like immediately set up that

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Speaker 3: auto payment so that you're not winding up eighteen months

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Speaker 3: from now, because it'll sneak up on you, like Tiffany said,

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Speaker 3: with a balance, because imagine if you even had like

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Speaker 3: one dollar and then they're like, yeah, well I won't

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Speaker 3: take that twenty something percent of eighty five hundred and

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Speaker 3: add it on and we'll keep you forever.

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Speaker 1: Yes, Well, what you could do is this is not

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Speaker 1: the idea. You could do another balanced transfer like a

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Speaker 1: month before that, like that. That would be the worst

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Speaker 1: case scenario. If you still say, like a thousand dollars

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Speaker 1: that you just don't have it, you could say, hold up,

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00:20:27,880 --> 00:20:30,040
Speaker 1: I'm going to do another balanced transfer knowing that I'm

431
00:20:30,080 --> 00:20:31,760
Speaker 1: not actually going to have it to get yourself out

432
00:20:31,800 --> 00:20:33,720
Speaker 1: of that. But you don't want to be jumping, like

433
00:20:33,800 --> 00:20:36,480
Speaker 1: you know, from balance transfer card to balance transfer card.

434
00:20:36,520 --> 00:20:38,160
Speaker 1: But that is definitely like for those of you who

435
00:20:38,160 --> 00:20:39,840
Speaker 1: are listening who are like, uh haha, I'm in that

436
00:20:39,920 --> 00:20:42,800
Speaker 1: position where you know, like I thought I was going

437
00:20:42,840 --> 00:20:44,480
Speaker 1: to be a paid off, I'm not. Then you know,

438
00:20:44,640 --> 00:20:46,880
Speaker 1: look for your This is why keeping your credit score

439
00:20:46,960 --> 00:20:50,040
Speaker 1: decent is so critical because that's going to dictate how

440
00:20:50,119 --> 00:20:52,040
Speaker 1: good of terms you're going to get with your balanced

441
00:20:52,080 --> 00:20:52,720
Speaker 1: transfer card?

442
00:20:53,800 --> 00:20:57,840
Speaker 3: Yeah, one hundred percent? Yeah, anything else? I mean, she said,

443
00:20:57,880 --> 00:21:00,000
Speaker 3: says she has a mix of credit between her credit card,

444
00:21:00,240 --> 00:21:03,200
Speaker 3: IRS and a personal loan. I would feel like the

445
00:21:03,280 --> 00:21:05,800
Speaker 3: personal loan probably isn't that high of an interest, So definitely,

446
00:21:05,880 --> 00:21:07,959
Speaker 3: like Tiff said, mac, you know, use it for your

447
00:21:08,000 --> 00:21:10,920
Speaker 3: credit card debt first and foremost, and kind of treat

448
00:21:10,960 --> 00:21:13,000
Speaker 3: it like if you have extra room after you add

449
00:21:13,040 --> 00:21:15,119
Speaker 3: the credit card debt, then add you know, either the

450
00:21:15,160 --> 00:21:17,520
Speaker 3: I r S debt or the personal loan. Can you wait,

451
00:21:17,760 --> 00:21:20,160
Speaker 3: you can't transfer IRS debt? How does that work?

452
00:21:20,400 --> 00:21:22,480
Speaker 1: I would charge I think you would charge it. You

453
00:21:22,520 --> 00:21:25,520
Speaker 1: would have to call you the credit card company like

454
00:21:25,760 --> 00:21:27,960
Speaker 1: is it a roll or do you just charge it?

455
00:21:28,040 --> 00:21:28,639
Speaker 1: You see what I mean?

456
00:21:29,560 --> 00:21:31,920
Speaker 3: Yeah, Because with with balance transfers, I remember you have

457
00:21:32,000 --> 00:21:34,760
Speaker 3: to tell them how much from your bank, your how

458
00:21:34,840 --> 00:21:36,920
Speaker 3: much from your credit card you're transferring, what the bank

459
00:21:37,040 --> 00:21:39,119
Speaker 3: name is, and your account, and then they'll go and

460
00:21:39,200 --> 00:21:42,520
Speaker 3: grab it. I don't even think that I r S

461
00:21:42,560 --> 00:21:46,440
Speaker 3: would qualify unless you just use Yeah, unless you just

462
00:21:46,600 --> 00:21:49,480
Speaker 3: pay with your credit card and then that's another three

463
00:21:49,560 --> 00:21:52,600
Speaker 3: percent processing fee. Probably the IRS probably charge charges a

464
00:21:52,640 --> 00:21:55,720
Speaker 3: processing fee, yeah, not to really be careful about that.

465
00:21:56,080 --> 00:21:58,000
Speaker 1: So here's the thing, Like, I think the biggest thing

466
00:21:58,080 --> 00:22:00,840
Speaker 1: that you take away from this is that even when

467
00:22:00,960 --> 00:22:04,040
Speaker 1: you're like planning on doing good things, there's map it

468
00:22:04,119 --> 00:22:07,879
Speaker 1: out on paper, Like okay, balance transfer, you know what

469
00:22:07,960 --> 00:22:09,560
Speaker 1: happens if I don't pay it after eighteen months? Like

470
00:22:09,600 --> 00:22:11,119
Speaker 1: I used to literally have a notebook for like these

471
00:22:11,240 --> 00:22:14,119
Speaker 1: kind of choices. Can I do this? Let me call

472
00:22:14,160 --> 00:22:15,639
Speaker 1: the company see if I can do that, So that

473
00:22:15,760 --> 00:22:19,480
Speaker 1: way before I make the move of like doing something

474
00:22:19,520 --> 00:22:21,160
Speaker 1: that's going to put a little ding on my credit card,

475
00:22:21,200 --> 00:22:24,560
Speaker 1: I can decide this actually makes sense. So certainly, J Lisa,

476
00:22:24,680 --> 00:22:27,520
Speaker 1: we're proud of you for taking steps, but just no

477
00:22:27,720 --> 00:22:30,400
Speaker 1: moving forward as you have these questions. What's so great

478
00:22:30,480 --> 00:22:32,560
Speaker 1: is that you can ask the balance transfer card people

479
00:22:32,640 --> 00:22:35,439
Speaker 1: whomever you know, like, here are my questions. I can

480
00:22:35,520 --> 00:22:38,440
Speaker 1: decide doesn't even make sense to make to make this decision,

481
00:22:39,520 --> 00:22:41,440
Speaker 1: you know, just moving forward, But these are questions you

482
00:22:41,480 --> 00:22:45,000
Speaker 1: can still ask to make the best choice of what

483
00:22:45,119 --> 00:22:46,320
Speaker 1: money should go on their card.

484
00:22:46,240 --> 00:22:50,040
Speaker 3: And have absolutely But thank you so so MUCHJ Lisa.

485
00:22:50,200 --> 00:22:52,120
Speaker 3: I kind of want to call you Kalisi, but Julisa

486
00:22:52,160 --> 00:22:53,000
Speaker 3: will do no heir.

487
00:22:53,240 --> 00:22:54,440
Speaker 1: I remember a Different World that used to be my

488
00:22:54,480 --> 00:22:56,240
Speaker 1: girl de Lisa. Remember she used to date Sindbad that

489
00:22:56,400 --> 00:22:57,480
Speaker 1: was her boyfriend.

490
00:22:57,800 --> 00:23:01,080
Speaker 3: On Watch a Different World like that, plus Lisa de.

491
00:23:01,160 --> 00:23:03,800
Speaker 1: Lisa was she wasn't I'm trying to think was she

492
00:23:03,880 --> 00:23:07,040
Speaker 1: in the later episodes? I feel like I think so? Anyway,

493
00:23:07,080 --> 00:23:08,560
Speaker 1: she was kind of like the ra I don't know

494
00:23:08,560 --> 00:23:09,800
Speaker 1: if you remember she had like short hair.

495
00:23:09,800 --> 00:23:12,440
Speaker 3: Okay, she be afe one to go back and rewatch

496
00:23:12,600 --> 00:23:15,439
Speaker 3: as an adult because I love watching Living Single as

497
00:23:15,440 --> 00:23:17,879
Speaker 3: an adult. It was so fun and you go back, Okay,

498
00:23:18,000 --> 00:23:20,000
Speaker 3: maybe when I'm up all night with a toddler with

499
00:23:20,080 --> 00:23:23,880
Speaker 3: a newborn and a toddlers all right, Lilisa, then everyone else,

500
00:23:23,920 --> 00:23:25,879
Speaker 3: Thank you so much for your questions this week again,

501
00:23:26,040 --> 00:23:28,560
Speaker 3: hit us up. We are brandnambishonpodcast dot com. You can

502
00:23:28,640 --> 00:23:31,920
Speaker 3: ask us anything or slide into our dms at Brand

503
00:23:32,000 --> 00:23:35,879
Speaker 3: Ambition podcast on ig and ask us any questions that

504
00:23:36,000 --> 00:23:39,320
Speaker 3: you have burning and we will hopefully get to them

505
00:23:39,400 --> 00:23:39,800
Speaker 3: on the show.

506
00:23:40,720 --> 00:23:48,160
Speaker 1: Yes until next week, babe, bye. Honestly, ba fam, wasn't

507
00:23:48,200 --> 00:23:52,160
Speaker 1: that an awesome throwback episode and such a fun trip

508
00:23:52,240 --> 00:23:55,360
Speaker 1: down memory lane? Hotel? Make sure to check out Brian

509
00:23:55,400 --> 00:23:59,680
Speaker 1: Ambition now every Monday, Wednesday and Friday. A three peat.

510
00:24:00,119 --> 00:24:03,840
Speaker 1: Oh no, those traits on d'utois won two three. He

511
00:24:03,880 --> 00:24:06,560
Speaker 1: didn't know I was trilingual, did you? Because three tri

512
00:24:06,680 --> 00:24:09,120
Speaker 1: lingual threep. Anyway, we'll see you on Wednesday.

513
00:24:09,320 --> 00:24:09,520
Speaker 3: Bye,