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Speaker 1: It's time for the b a q a a to

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Speaker 1: b a q a, which.

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Speaker 2: Is said the ba q it would mandate the b

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Speaker 2: a q a tiffin a the b a qa a.

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Speaker 1: Hey manjer how you doing?

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Speaker 3: I can't wait to get into these questions. I look

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Speaker 3: forward to this Friday episode so so much. And y'all

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Speaker 3: are so generous sending us in your questions. I feel like,

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Speaker 3: while you're at it, why not go to iTunes and

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Speaker 3: leave us the review because you know how much we

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Speaker 3: charge to answer your questions.

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Speaker 1: Zero?

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Speaker 3: Do you know what I'm saying, So if you have

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Speaker 3: a moment, go to iTunes, leave us a review or

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Speaker 3: whatever they call it now Apple podcasts, leave us the

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Speaker 3: review please do. We read them all and they matter

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Speaker 3: so so much, and we just want to flood the

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Speaker 3: review system in the Apple algorithm, so they just know

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Speaker 3: that ba Faan is here and always.

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Speaker 1: Quick mandra Remember we said we're going to do.

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Speaker 3: That read oh reviews? Yeah, oh okay, yeah, absolutely.

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Speaker 1: Just tell the girls so we'd like you, you know, shop.

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Speaker 3: Why not let's do one right now?

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Speaker 1: Okay? This one?

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Speaker 3: Oh, it was just from this past week. Happy Listener

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Speaker 3: two thousand and nine said, it's been an it's an

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Speaker 3: inspiring conversation. It's been great to see this podcast evolve.

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Speaker 3: I enjoy the I enjoy the current format of a

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Speaker 3: longer topic covered Wednesday and shorter Q.

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Speaker 1: And a Friday. That's us right now.

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Speaker 3: I can't believe how much has happened from Mandy and

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Speaker 3: Tiffany over time. Thank you both for being open, honest,

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Speaker 3: and vulnerable through the good and not so good times.

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Speaker 3: I've learned. I've learned so much from the podcast. In

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Speaker 3: Tiffany's book, Keep Teaching. Wow, I needed to hear that

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Speaker 3: little pep talk right before I buried my soul on

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Speaker 3: this episode. So on this Wednesday episode and then another

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Speaker 3: from last week as well. From the Willie thirty says,

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Speaker 3: I absolutely love my girls, Mandy and Tiffany. This podcast

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Speaker 3: is very informative, fun and just real life.

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Speaker 1: Oh I love that woe. If you guys do reviews,

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Speaker 1: who my regial here? Read it a good way? You know.

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Speaker 2: Not?

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Speaker 3: God keep remind us while we do this ba faan.

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Speaker 3: But let's get into the questions because we do have

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Speaker 3: some juicy money questions.

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Speaker 2: Quick disclaimer, right, Remember guys, we are not your attorney advisor,

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Speaker 2: We're not your doctor.

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Speaker 1: Lawyer.

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Speaker 2: None of the we are too smart asorable, beautiful, even

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Speaker 2: brown girls on the interwebs. You like answering business, career

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Speaker 2: and money questions, so you gotta take it with the

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Speaker 2: smallest grain of salt and lean into the people you pay.

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Speaker 3: Okay, okay, I love it. Thank you for that, Tiffany

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Speaker 3: keeping us out of a courtroom drama every Friday. All right,

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Speaker 3: let's start with listener who just wants to go buy

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Speaker 3: tea houses sing Hello ladies. Tea says, it is such

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Speaker 3: a pleasure writing you. I've been a listener for many years,

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Speaker 3: and I look forward to hearing from y'all two times

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Speaker 3: a week. From a fellow listener, Romla's question back in

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Speaker 3: January on the BAQ and A made me think about

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Speaker 3: my own financial situation. We got we should have looked

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Speaker 3: up Romo's question. Anyhow, A series of life events has

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Speaker 3: taken my credit score from a forty five and twenty

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Speaker 3: twenty one to six oh five today. Now that I'm

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Speaker 3: in a position to pay off my debts and repair

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Speaker 3: my credit score, I wonder do I pay off balances

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Speaker 3: in one lump sum payment or spread them out so

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Speaker 3: as to show a record of regular study. Payments. Thank

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Speaker 3: you very much, looking forward to your advice and insights.

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Speaker 1: Do I know you all over this Tiffany.

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Speaker 2: Girl, because just last night remind them well and me

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Speaker 2: and my friend the Tiva, the credit Nista, so you know,

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Speaker 2: on the budget Budgetnissa and the credit Nista. She literally

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Speaker 2: is the smartest person I know about credit. I mean

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Speaker 2: she goes to like the government meetings, she goes to

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Speaker 2: the trainings, all things credit is. She taught a class

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Speaker 2: just last night, so it's fresh in the cranium, if

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Speaker 2: you will, and.

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Speaker 1: In native is here. I feel very confident. She was,

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Speaker 1: like put it off.

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Speaker 2: She said basically that yes, I understand having kind of

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Speaker 2: like showing that, yoh, you're making your payments monthly. Although

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Speaker 2: there's a benefit to that, that the bigger benefit is

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Speaker 2: I'm assuming that if your score dropped that low is

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Speaker 2: because you're carrying over thirty percent of like your utilization.

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Speaker 2: Utilization is how much credit you could borrow versus how

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Speaker 2: much credit you are borrowing. So let's just say you

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Speaker 2: have a credit card one hundred dollars limit and you

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Speaker 2: have a ninety dollars balance. Your utilization is ninety percent

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Speaker 2: on that card, and so utilization is thirty percent of

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Speaker 2: your score and payment history is thirty five percent. And

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Speaker 2: so what you're thinking about is like, oh, I can,

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Speaker 2: I can pay off you know regularly, But the problem

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Speaker 2: is it will keep your utilization. I'm assuming, based upon

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Speaker 2: how far you dropped at such a high place that

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Speaker 2: it offsets any benefit from paying regularly over the next

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Speaker 2: few months. So what I would do is and I'm

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Speaker 2: assuming this is what in the tip would suggest as well,

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Speaker 2: because she said it like last night on our course

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Speaker 2: class together, is to pay that bad boy off. In

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Speaker 2: doing so, you should see a lump a jump fairly

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Speaker 2: quickly in doing so. That like having so, Nativa said

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Speaker 2: something really interesting. I know you've heard that, I've said

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Speaker 2: this rule before, and she said that it's a bit outdated,

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Speaker 2: this thirty percent rule where you want to keep your

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Speaker 2: credit balance under thirty percent of the limit. And she

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Speaker 2: said that actually that it came directly from the credit bureaus,

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Speaker 2: that they weren't being so literal.

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Speaker 1: They basically were.

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Speaker 2: Like, well, you really don't want to go over thirty

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Speaker 2: percent of what someone has lent to you. But that's

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Speaker 2: not a hard and fast rule that if you're close

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Speaker 2: to thirty percent, it is bringing down your score still,

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Speaker 2: and so she was really like, you want to be

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Speaker 2: in that five to ten percent and then paying it

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Speaker 2: off every month in full and even lower. If you

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Speaker 2: want to see your score moved, you want to be

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Speaker 2: in the one to two percent, like one to three

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Speaker 2: percent space. So really you want to be basically paid

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Speaker 2: off every month. Yes, go ahead, man, it's Tiffany.

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Speaker 3: Can I share? I think I talked about I out

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Speaker 3: a zero percent balance transfer card for some credit card

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Speaker 3: debt while I was launching the business. I was like,

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Speaker 3: let me just move this over and keep my cash

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Speaker 3: flow a little bit better. And I will attest to that,

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Speaker 3: because my credit score did drop while I had that

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Speaker 3: credit that balance transfer in the balance transfer promo period.

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Speaker 3: It is going to be up in this coming November,

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Speaker 3: so next month, and I was so petrified because I

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Speaker 3: knew there was a deferred interest clause and I was

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Speaker 3: not petrified, but I'm just like, I'm going to pay

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Speaker 3: it off.

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Speaker 1: I'm going to pay it off.

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Speaker 3: But because I wanted my cash flow to be fine,

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Speaker 3: I was like, I'm going to do it in one

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Speaker 3: limp sum, you know, when we get closer. And I

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Speaker 3: finally did, and yeah, my credit score jumped like twenty

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Speaker 3: five points.

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Speaker 1: That's huge.

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Speaker 3: I think I was still like I was at seven hundred,

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Speaker 3: and I think it's back up to the high seven

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Speaker 3: not even twenty five, maybe more it's back up into

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Speaker 3: the high seven hundred. So for sure, when you pay

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Speaker 3: it down that big lump sum, it is an instant

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Speaker 3: boost to your.

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Speaker 1: To your credit score.

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Speaker 2: Yeah, and I just want to say, you know what,

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Speaker 2: congratulations to you, because I know you probably took like

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Speaker 2: an emotional hit from forty five, which is you're only

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Speaker 2: five points away from literally like the top score as

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Speaker 2: far as Freco is concerned, to six oh five, which

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Speaker 2: you know is really considered a credit score that's not

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Speaker 2: doing quite as well.

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Speaker 1: So to be able to get yourself.

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Speaker 2: And together to a position where you could pay it

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Speaker 2: off in full, that's not a small thing. So I

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Speaker 2: hope you take a moment to say, snaps all around

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Speaker 2: for me. I did it, and my name's T That's

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Speaker 2: what I did for you. Thanks for sharing tea. So

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Speaker 2: we take a quick break. Oh, I want to do

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Speaker 2: a little segment, but we're gonna talk about we come

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Speaker 2: back called what do we say? Look, I forgot already, like, well,

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Speaker 2: we're gonna when we come back, we're gonna take a

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Speaker 2: break and then we're gonna Reremember.

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Speaker 3: She's gonna tell me, so I remember.

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Speaker 2: When we write back for a break, and we'll be

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Speaker 2: back in a moment. Okay, we're back, but my memory

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Speaker 2: is still on that back. Remember when we take them

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Speaker 2: Wednesday episode, you and I were just kind of sharing

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Speaker 2: all of our financial shenanigans, and we said, sometimes I

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Speaker 2: don't need you to fix it.

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Speaker 1: I just want to be able to like say the thing.

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Speaker 3: Oh yes, yes, just like just say the thing out loud,

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Speaker 3: and to do like a word vomit. And you don't

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Speaker 3: you don't want a solution, You're just wanting to get

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Speaker 3: it off your chest.

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Speaker 1: And it's a lighter share the burden. So like, what

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Speaker 1: should we call that?

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Speaker 2: Because I think that would be nice every once in

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Speaker 2: a while to do like get it off your chest.

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Speaker 3: Or okay, you be a confessional.

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Speaker 1: A journalist and whatever. I love that. So we're gonna

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Speaker 1: start like a first of all, me and Madi would

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Speaker 1: likely forget. But what are we going to read them?

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Speaker 2: I think so because so when no name is always anonymous, yeah,

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Speaker 2: always anonymous, and so you know, don't put like well

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Speaker 2: I live in New Jersey on and I have three.

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Speaker 3: Like, so Tiffany, stop that and Mony cut that out.

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Speaker 1: You did it again.

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Speaker 3: It's like the intrusive thought keeps coming.

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Speaker 2: It's like, okay, so make sure that you don't have

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Speaker 2: any things in there. Like I work at IBM next

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Speaker 2: to my friend Melissa and she gets on my no, Like,

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Speaker 2: you want to make sure that whatever your confessional is

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Speaker 2: in the it makes market be a confessional. So we

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Speaker 2: know this means you just want us to read it

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Speaker 2: out loud because you just want someone to tell you

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Speaker 2: just want to bring it out, and we're not going

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Speaker 2: to offer any feedback, any anything.

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Speaker 1: We're just going to read it without judgment, without comment. Okay.

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Speaker 2: Sometimes you just if you listen to our Wednesday episode

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Speaker 2: prior me and Mandy, just like we had.

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Speaker 1: Our confessionals ourselves, So go ahead and listen.

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Speaker 3: And so sometimes you're in a shitty situation and even

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Speaker 3: you know how to get out of it. Yeah, the

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Speaker 3: thing is like I know how to get out. I

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Speaker 3: know exactly what I need to do as far as

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Speaker 3: my own business, financials and taxes and all that kind

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Speaker 3: of stuff. But it doesn't make that going through it

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Speaker 3: any less hard. And people don't know that you're going

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Speaker 3: through it, so saying it out loud, it just it

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Speaker 3: doesn't fix the problem, but it makes you feel lighter.

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Speaker 3: I feel lighter having told Tiffany and you know, thousands

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Speaker 3: of y'all who are listening, it didn't mean to know

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Speaker 3: my business, but here you are. And that's the promise

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Speaker 3: I made you when I heard this show. Yeah, so

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Speaker 3: we hope that that will, you know, give you a

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Speaker 3: place to just whisper your little dirty financial secrets. Yeah,

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Speaker 3: tell us about the debt that you got. You don't

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Speaker 3: have to be perfect for us, you know, be vulnerable,

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Speaker 3: like show us.

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Speaker 2: Out that because that like that thing you bought that

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Speaker 2: your your partner is like what that they don't know?

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Speaker 3: We want to know that you want to know or

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Speaker 3: you know, did you hide something from your partner that

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Speaker 3: you bought. I might have decreased the price of that

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Speaker 3: pottery pottery barn bedding by about two hundred dollars. One

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Speaker 3: husband asked me how much it was. Why does it matter?

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Speaker 1: We need it?

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Speaker 3: Yes, I love that be a confessional.

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Speaker 2: One of the things I learned from my business coach

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Speaker 2: Zion and even my therapist doctor Green, is that one

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Speaker 2: of the ways to release shame is to give voice

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Speaker 2: to it. And so we want to just get provide

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Speaker 2: a space so you can give voice to some of

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Speaker 2: the things that you might be ashamed of.

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Speaker 1: Because we're not going to judge you here.

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Speaker 2: We're going to read it and be like, well, I

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Speaker 2: hope you take a USA and a and a breather,

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Speaker 2: and I hope that hearing your confession out loud gave

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Speaker 2: you a little bit of like, because sometimes hearing it

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Speaker 2: out like you like, it's actually not as it's not

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Speaker 2: as crazy as I thought. So yeah, so be a confessional.

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Speaker 2: We don't have one this week, but you know, we

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Speaker 2: want to start to add that in every once in

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Speaker 2: a while when you guys, you know, just make sure

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Speaker 2: you market be a confessional so we know that you're

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Speaker 2: not wanting solutions. You just want to you want to

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Speaker 2: give voice to something that's happening to you.

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Speaker 3: Yes, I love that, all right, next question, Next question,

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Speaker 3: you're gonna read this one.

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Speaker 2: Yes, this is from Okay. This doesn't say but I

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Speaker 2: was like, I think I cased her name. Hey Robin,

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Speaker 2: she says, Hey, ladies, question for you. I'm in the

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Speaker 2: process of signing up with a new internet provider Kai,

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Speaker 2: I'm being offered ten dollars off my monthly bill if

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Speaker 2: I set up direct debit from a bank account. I've

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Speaker 2: noticed this is becoming a trend. It is, and I'm

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Speaker 2: tempted to set up checking a checking account specifically for

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Speaker 2: only these types of transactions to take advantage of the discounts.

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Speaker 1: Okay, thoughts, PS, This.

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Speaker 2: Comes from a place of being super freaked out about

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Speaker 2: information and identity theft.

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Speaker 1: Thank you you guys. Hear heart, heart heart. So what

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Speaker 1: you say, Mandy, Well.

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Speaker 3: I think it's interesting and kind of strange that they

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Speaker 3: are incentivizing a debit transaction. I'm guessing it's because they

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Speaker 3: don't want the processing fees that credit card issuers charge them,

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Speaker 3: and they're trying to think about their bottom line and

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Speaker 3: what's best for them. And you know, ten bucks honestly

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Speaker 3: is a lot of money when you think about it.

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Speaker 3: I mean it could be like ten I feel like

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Speaker 3: that's ten percent of the average credit I mean, not

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Speaker 3: credit card cable bill in hundred.

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Speaker 1: Dollars eighty seven or eighty.

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Speaker 3: Yeah, and if you want premium channels, you want Telemundo,

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Speaker 3: that's cost extra.

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Speaker 1: That's my in laws. Yeah.

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Speaker 3: So I can see how that could be tempting. I

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Speaker 3: think in this case, if you have a bank account,

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Speaker 3: that will just allow you to create for free an

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Speaker 3: extra bank account. You could always sorry, I created like

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Speaker 3: if you have a checking account, for example, you could

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Speaker 3: create another sub checking account and it wouldn't cost anything,

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Speaker 3: but you get a new account number and a separate thing.

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Speaker 3: And then as far as like if you're worried about

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Speaker 3: identity theft and then getting or taking your identity and

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Speaker 3: then emptying your checking account, which is a real thing

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Speaker 3: that can happen, and unfortunately when they take your cash,

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Speaker 3: it's like you may have some protection through your you know,

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Speaker 3: checking account as far as like identity theft and fraud

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Speaker 3: for taking the money out, but you have to catch

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Speaker 3: it mostly to get the whole benefit. You have to

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Speaker 3: catch it within like sixty days if you want all

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Speaker 3: the money back, and it can be a little bit

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Speaker 3: more challenging then if it worked. See insurance for taking

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Speaker 3: accounts so FD I see insurance is like if the

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Speaker 3: bank loses your money, oh that's ft I C insurance

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Speaker 3: isn't for like fraud, so yeah, and I need I

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Speaker 3: don't have. I used to know this verbata because as

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Speaker 3: as you know, when I was running a content team

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Speaker 3: for personal finance sits, we would update this language all

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Speaker 3: the time. But so I would say, I know, I

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Speaker 3: know generally that credit cards they have the zero liability

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Speaker 3: fraud insurance. That's like a very standard benefit now, which

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Speaker 3: means if you're defrauded, you're like, you're not going to

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Speaker 3: owe us the money. With a checking account, if you're defrauded,

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Speaker 3: you may not owe back the money.

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Speaker 1: Sorry, you may not.

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Speaker 3: You know, you may be able to get your money back,

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Speaker 3: but you have to typically catch it sometimes within sixty

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Speaker 3: days or thirty days, and it may not be all

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Speaker 3: of it and maybe just more of a workaround to

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Speaker 3: get it. So it's a little bit trickier. That's why

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Speaker 3: typically they'll advise you to like, you know, will advise

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Speaker 3: you to use your credit card for that type of thing.

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Speaker 3: But I feel like to get around it, you could

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Speaker 3: open a sub checking account, just tie the payment to

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Speaker 3: that one account and make sure you got the money

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Speaker 3: in there each month for your payment. Yeah, that's what

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Speaker 3: I'll say. And then what do you think you looking

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Speaker 3: at the latest on the identity theft for checking accounts,

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Speaker 3: I think we should.

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Speaker 2: Know what I did I'm looking at it. I'm not

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Speaker 2: sure if this is still because I remember a few

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Speaker 2: years ago, Credit sests Me actually launched this first totally

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Speaker 2: free credit and identity protection service. I remember because they

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Speaker 2: reached out to me and I work with them. I'm

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Speaker 2: trying to see credit Me. Yeah, I'm trying to see

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Speaker 2: if it's still there, if they still have it, because

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Speaker 2: they had it, and I remember it was up to

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Speaker 2: fifty thousand dollars, which is great, and this was free,

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Speaker 2: so you signed up for a free credit sez to

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Speaker 2: Me account.

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Speaker 3: I don't know, Tiff, it's credit sized me even around anymore.

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00:15:18,560 --> 00:15:20,360
Speaker 1: I That's why i'm looking it up now to because

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Speaker 1: you know.

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Speaker 3: These platforms, I mean, I feel old.

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Speaker 2: It still is around, but I'm just wondering if they

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Speaker 2: still have the oh my gosh, the identity theft protection

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Speaker 2: because it used to be free.

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Speaker 1: Like I said, that was some years ago. I'm just

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Speaker 1: looking to see.

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Speaker 2: I'm trying to see on their site because I remember

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Speaker 2: I thought that was really great. It was, like I said,

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Speaker 2: it was up to fifty thousand dollars that you could

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Speaker 2: you get free. They do have free credit monitoring, and

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Speaker 2: so I will say that about credits as me. That

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00:15:53,680 --> 00:15:55,400
Speaker 2: still is true and they are still around. I'm looking

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Speaker 2: on here now. I just don't know if they have

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Speaker 2: the identity theft protection, but they do have credit monitors

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Speaker 2: take guard your credit. Credit monitoring helps protect your identity.

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Speaker 1: I'm looking here. Support your finances can help you. Okay?

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Speaker 1: Is our credit monitoring really free? Yes?

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Speaker 2: With your credit test me account, you get TransUnion credit

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00:16:16,160 --> 00:16:19,520
Speaker 2: monitoring for free. You also get free daily credit credit

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Speaker 2: score refreshes, so you always know where you stand. Okay, well,

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Speaker 2: at the very at the very least. With credit test

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00:16:27,920 --> 00:16:29,960
Speaker 2: Me you get free credit monitoring. A lot of places

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00:16:30,040 --> 00:16:33,280
Speaker 2: offer that, but I, you know, dig a little deeper

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Speaker 2: to see if they not only offer credit monitoring but

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Speaker 2: the identity theft protection, because they had that before and

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Speaker 2: it was incredible.

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Speaker 1: I just don't know if they still have.

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Speaker 3: Two factor authentication. Let's not under like, if you're talking

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Speaker 3: about how to prevent someone from like logging into your account,

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00:16:50,680 --> 00:16:53,920
Speaker 3: they get your account details. Two factor authentication goes a

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Speaker 3: long way to protecting even your passwords and things like that.

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Speaker 3: It sounds simple, but if you don't have two factors

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Speaker 3: authentication authentication turned on for your banks, get that turned

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Speaker 3: on even face ID, you know, log in something like that.

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Speaker 3: But I love, I love how easy it is when

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Speaker 3: you do the two factor authentication and then it like

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00:17:12,280 --> 00:17:14,680
Speaker 3: texts your phone. And with the iPhone, now you got

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Speaker 3: this feature.

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Speaker 1: Do they have that with the Android?

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00:17:16,359 --> 00:17:18,600
Speaker 3: I don't know. But when you're in the app, it'll

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00:17:18,600 --> 00:17:21,000
Speaker 3: already read your text message and just give you the number.

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00:17:21,040 --> 00:17:22,719
Speaker 3: It's like, do you want to copy and paste this numbers?

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00:17:22,720 --> 00:17:25,000
Speaker 3: You don't have to like go to the text, remember

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00:17:25,040 --> 00:17:26,879
Speaker 3: the number, come back to the page and type it

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00:17:26,920 --> 00:17:29,840
Speaker 3: in you just like automatically. So it's so easy and

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00:17:29,880 --> 00:17:31,440
Speaker 3: it's such a simple thing to do too.

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Speaker 1: Oh and and just so word because I found it.

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Speaker 2: So I I'm on securities dot security dot org and

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00:17:37,320 --> 00:17:38,639
Speaker 2: they reviewed credits to me.

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00:17:38,680 --> 00:17:41,040
Speaker 1: I think as of this year, this is what they like.

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00:17:41,320 --> 00:17:45,760
Speaker 2: Basic credit and identity identity monitoring, multi factor authentication that

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00:17:45,800 --> 00:17:46,840
Speaker 2: you're just talking about, Mandy.

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Speaker 1: And they do have identity theft insurance what I love.

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Speaker 2: Even if you don't pay for a plant, because they

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00:17:51,480 --> 00:17:53,800
Speaker 2: do have a plan, you can be eligible for up

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00:17:53,800 --> 00:17:59,520
Speaker 2: to one million dollars in reimbursement if your identity gets stolen. Yeah,

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00:17:59,600 --> 00:18:02,680
Speaker 2: and so they don't like is that shaky privacy poly

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00:18:02,760 --> 00:18:08,560
Speaker 2: and privacy policy and jurisdiction. Let's see, credits Me isn't

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00:18:08,560 --> 00:18:11,040
Speaker 2: a good choice for the for the privacy concern. Oh

398
00:18:11,240 --> 00:18:15,080
Speaker 2: don't there you go, chunky sign up and limited customer support.

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00:18:15,359 --> 00:18:17,800
Speaker 2: So this is their bottom up, yeah, meaning like it's

400
00:18:17,800 --> 00:18:20,120
Speaker 2: probably like weird to sign hard to sign up. They

401
00:18:20,160 --> 00:18:22,120
Speaker 2: gave it the rating of eight point seven out of ten.

402
00:18:22,240 --> 00:18:24,199
Speaker 2: It says, not only did credits as Me give us

403
00:18:24,440 --> 00:18:27,480
Speaker 2: monthly credit updates from all three bureaus, we also got

404
00:18:27,520 --> 00:18:30,840
Speaker 2: identity theft insurance. If our identities were stolen, we could

405
00:18:30,840 --> 00:18:33,200
Speaker 2: have gotten rembursed up to one million dollars. So that's

406
00:18:33,240 --> 00:18:36,240
Speaker 2: just something to take a look at, you know, potentially,

407
00:18:36,280 --> 00:18:38,960
Speaker 2: Like they also have LifeLock as one of those ones.

408
00:18:38,960 --> 00:18:40,240
Speaker 2: If you don't have LifeLock, chot.

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00:18:40,080 --> 00:18:43,800
Speaker 1: I have LifeLock. Okay, I love LifeLock.

410
00:18:43,880 --> 00:18:47,159
Speaker 2: It has helped me so many times because LifeLock, I mean,

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00:18:47,240 --> 00:18:48,640
Speaker 2: but you do pay for LifeLock. I think I paid

412
00:18:48,680 --> 00:18:50,760
Speaker 2: like ten or twenty bucks a month, and because people

413
00:18:50,800 --> 00:18:53,360
Speaker 2: have tried to sell my identity before, and LifeLock be like, girl,

414
00:18:53,400 --> 00:18:54,440
Speaker 2: is is you send me a text?

415
00:18:54,480 --> 00:18:55,199
Speaker 1: I'm like it's not.

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Speaker 2: And so if you're concerned in general, Like I wouldn't

417
00:19:00,160 --> 00:19:02,040
Speaker 2: much worry about this bank account. I would be thinking

418
00:19:02,080 --> 00:19:04,280
Speaker 2: if I'm worried in general that I would be, I

419
00:19:04,320 --> 00:19:06,760
Speaker 2: would have signed up. Maybe that ten dollars you're saving,

420
00:19:06,800 --> 00:19:09,280
Speaker 2: you put it toward like a LifeLock or like to

421
00:19:09,320 --> 00:19:12,520
Speaker 2: pay for identity theft you know program. Quite honestly, to me,

422
00:19:12,560 --> 00:19:15,240
Speaker 2: it's worth it because at one point it was happening

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00:19:15,280 --> 00:19:18,680
Speaker 2: a lot. Someone was trying and once since I got LifeLock,

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00:19:18,760 --> 00:19:21,760
Speaker 2: that that completely stopped. With LifeLock, I'm able to freeze

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00:19:21,760 --> 00:19:25,040
Speaker 2: my accounts, which I did when when Jarelle passed away.

426
00:19:25,880 --> 00:19:28,480
Speaker 2: Angelie my financial advisor, is like, right away freeze his

427
00:19:28,520 --> 00:19:31,199
Speaker 2: credit because people will look up obituaries and try to

428
00:19:31,400 --> 00:19:33,639
Speaker 2: know that you're grieving yes, and try to go with

429
00:19:34,520 --> 00:19:36,800
Speaker 2: So I went into LifeLock because we had LifeLock together.

430
00:19:36,920 --> 00:19:39,240
Speaker 2: Froze all of his accounts and his social Security number.

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00:19:40,080 --> 00:19:42,040
Speaker 2: I just happened to like like LifeLock because I've been

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00:19:42,080 --> 00:19:43,760
Speaker 2: using it now for a number I don't work with

433
00:19:43,760 --> 00:19:45,440
Speaker 2: them or anything. I've been using it now for a

434
00:19:45,520 --> 00:19:47,159
Speaker 2: number of years. But it doesn't hurt to get a

435
00:19:47,160 --> 00:19:51,200
Speaker 2: free credit sess me account just to have that backburner too,

436
00:19:51,400 --> 00:19:53,520
Speaker 2: you know, like get that for free, but then LifeLock

437
00:19:54,280 --> 00:19:57,160
Speaker 2: or another like system like that that you pay.

438
00:19:57,800 --> 00:19:59,560
Speaker 3: She was like, dang, I want to eat Chipotlet once

439
00:19:59,560 --> 00:19:59,880
Speaker 3: a month.

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00:20:00,200 --> 00:20:02,240
Speaker 2: I know, tagget it, but it's like you want to

441
00:20:02,280 --> 00:20:03,719
Speaker 2: you want to eat Apotle or you want to make

442
00:20:03,720 --> 00:20:05,560
Speaker 2: sure that you actually have Chipotle money in the futen.

443
00:20:05,840 --> 00:20:06,680
Speaker 3: I don't agree.

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00:20:06,960 --> 00:20:07,240
Speaker 1: Okay.

445
00:20:07,240 --> 00:20:09,320
Speaker 3: I did want to catch because I left this an

446
00:20:09,320 --> 00:20:11,040
Speaker 3: open ended thing and I don't like doing that. But

447
00:20:11,080 --> 00:20:13,840
Speaker 3: I did bring up the idea of what happens if

448
00:20:13,840 --> 00:20:16,639
Speaker 3: you have unauthorized purchases on your debit account, like your

449
00:20:16,920 --> 00:20:20,000
Speaker 3: your checking account, and I talked about the limit and

450
00:20:20,160 --> 00:20:22,480
Speaker 3: like if you have to that you generally do need

451
00:20:22,520 --> 00:20:24,560
Speaker 3: to contact your bank within a certain timeframe. But I

452
00:20:24,600 --> 00:20:28,320
Speaker 3: found that the updated info from US News and World

453
00:20:28,359 --> 00:20:32,919
Speaker 3: Report oh edited by a former freelancer of mind. Okay, anyway,

454
00:20:33,800 --> 00:20:37,800
Speaker 3: So in most cases, federal law limits your liability for

455
00:20:38,040 --> 00:20:43,240
Speaker 3: unauthorized debit card purchases to fifty dollars, provided you report

456
00:20:43,280 --> 00:20:46,480
Speaker 3: the fraud within two business days of discovering it. If

457
00:20:46,520 --> 00:20:48,960
Speaker 3: you report the debit card fraud after two business days

458
00:20:48,960 --> 00:20:52,040
Speaker 3: but less than sixty calendar days, you could be liable

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00:20:52,040 --> 00:20:54,680
Speaker 3: per up to five hundred dollars, and if you don't

460
00:20:54,680 --> 00:20:58,160
Speaker 3: report the fraud within sixty calendar days of receiving your statement,

461
00:20:58,240 --> 00:21:01,080
Speaker 3: you could be liable for any amounts stolen from your account.

462
00:21:01,560 --> 00:21:03,840
Speaker 3: So this is why it's important to regularly review your

463
00:21:03,880 --> 00:21:07,800
Speaker 3: bank statements and which the tools that Tiffany's talking about,

464
00:21:07,800 --> 00:21:09,240
Speaker 3: like if you get a credit card or one of

465
00:21:09,280 --> 00:21:12,240
Speaker 3: these like monitoring systems or what I do is I

466
00:21:12,320 --> 00:21:14,840
Speaker 3: don't care how how annoying it is. Every time I

467
00:21:14,960 --> 00:21:17,080
Speaker 3: use my credit card or my checking I don't evenly

468
00:21:17,119 --> 00:21:18,760
Speaker 3: use debit. When I do, I get an email with

469
00:21:18,800 --> 00:21:19,440
Speaker 3: the transaction.

470
00:21:20,240 --> 00:21:21,880
Speaker 1: So just like this quick skim through.

471
00:21:21,960 --> 00:21:23,440
Speaker 3: Each day, I go through my email and I'm like,

472
00:21:23,480 --> 00:21:26,159
Speaker 3: oh that, oh yeah, husband went God, is you know

473
00:21:26,520 --> 00:21:29,040
Speaker 3: metro card reloaded? I guess that was all me this month.

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00:21:29,080 --> 00:21:33,280
Speaker 1: That's fine again.

475
00:21:33,200 --> 00:21:35,760
Speaker 2: Okay, yeah that does my AMX does it? It sends me

476
00:21:35,800 --> 00:21:38,679
Speaker 2: a text. Yeah, I'm not gonna lie. I have it

477
00:21:38,720 --> 00:21:41,919
Speaker 2: for my business card, and it quote unquote is annoying,

478
00:21:41,920 --> 00:21:43,800
Speaker 2: but not really because I'm like wait what and that

479
00:21:43,880 --> 00:21:45,760
Speaker 2: Sometimes I'm like we still use that company? No, no, no,

480
00:21:45,760 --> 00:21:48,000
Speaker 2: that I'll hit up Georgia my cfon and being like Georgia,

481
00:21:48,040 --> 00:21:48,919
Speaker 2: why do we still work with?

482
00:21:49,280 --> 00:21:51,200
Speaker 1: So yeah, that's that's actually great.

483
00:21:51,280 --> 00:21:52,760
Speaker 2: You know I never thought about that to not just

484
00:21:52,800 --> 00:21:55,960
Speaker 2: do it for my business but for my personal Oh yeah, yeah,

485
00:21:56,000 --> 00:21:56,399
Speaker 2: so that's all.

486
00:21:56,520 --> 00:21:57,120
Speaker 1: That's really great.

487
00:21:57,200 --> 00:21:59,119
Speaker 2: Yes, like having a text or email sent to you,

488
00:21:59,440 --> 00:22:00,879
Speaker 2: so you're like, wait, who charged?

489
00:22:00,880 --> 00:22:02,120
Speaker 1: What ever?

490
00:22:02,200 --> 00:22:04,639
Speaker 3: Sent someone in New Orleans like spent thirty bucks on

491
00:22:04,680 --> 00:22:07,680
Speaker 3: my Fandango account on movie tickets. I was like, not again,

492
00:22:07,920 --> 00:22:13,040
Speaker 3: not again, not ever, not ever? Alright, A good question

493
00:22:13,119 --> 00:22:15,840
Speaker 3: actually an old like a question that is Tailor's oldest time.

494
00:22:15,880 --> 00:22:17,960
Speaker 3: But also it's good to look up the most recent

495
00:22:18,119 --> 00:22:21,480
Speaker 3: and see that you know that liability really hasn't changed

496
00:22:21,560 --> 00:22:22,400
Speaker 3: for checking accounts.

497
00:22:22,440 --> 00:22:30,000
Speaker 2: So if you have questions, ask us or confessions, Yes,

498
00:22:31,040 --> 00:22:33,560
Speaker 2: questions or confessions, what you're gonna do?

499
00:22:34,119 --> 00:22:38,480
Speaker 1: Questions? All confessions here? How are you? Questions? A confessions on.

500
00:22:38,480 --> 00:22:40,520
Speaker 3: The b A you can tell it where the PBS

501
00:22:40,520 --> 00:22:47,520
Speaker 3: generation everything, have like a fifty little jingle to open

502
00:22:47,560 --> 00:22:47,880
Speaker 3: it up.

503
00:22:48,280 --> 00:22:50,480
Speaker 2: I know, all right, y'all, but yes, if you do,

504
00:22:50,680 --> 00:22:54,520
Speaker 2: certainly can go to the BA podcast dot com.

505
00:22:54,720 --> 00:22:57,600
Speaker 1: Oh no, look Brown Ambition podcast dot com.

506
00:22:57,760 --> 00:22:59,600
Speaker 3: Google Brown Ambition. That's all you got to.

507
00:22:59,520 --> 00:23:02,760
Speaker 2: Do yeah, just Google and just like you know, however, Instagram, Twitter,

508
00:23:03,280 --> 00:23:05,560
Speaker 2: our site, just like you know, hit us up and

509
00:23:05,640 --> 00:23:11,960
Speaker 2: ask us questions about business, career, personal finances, whatever.

510
00:23:12,640 --> 00:23:15,040
Speaker 1: We're here for you, okay, all right until next week.

511
00:23:15,200 --> 00:23:18,359
Speaker 3: Until next week, Bye bye