Speaker 1: Hey, hey, Hey, do I sound cheerful? Okay, definitely didn't
Speaker 1: have a cheerful day.
Speaker 2: Oh man, Well.
Speaker 1: It wasn't bad. I mean, you know how you just
Speaker 1: have one of those days and then finally you tell yourself,
Speaker 1: you look in the mirror and you say, hey, you
Speaker 1: snap out of it. You're alive and you can deal.
Speaker 1: And so I just had that moment a couple of
Speaker 1: hours ago because I knew I was taken tonight and
Speaker 1: I was like, no, you're gonna bring great energy to
Speaker 1: broad Ambition, and so here I am. I feel way better.
Speaker 1: I took a nice little nap. It was just business stuff.
Speaker 1: You know, when everything like falls apart and you're like,
Speaker 1: I hate everybody. I quit.
Speaker 2: I quit. Oh yeah, let's call it take a walk.
Speaker 2: It's called take a walk or take a nap.
Speaker 1: Yes. I woke up from the nap still feeling like.
Speaker 1: My friend called me. He was like I was complaining.
Speaker 1: He was like, ooh, you sound like you need a nap.
Speaker 1: I'm like, I'm literally in bed. I just woke up
Speaker 1: from a nap. He was like, go back to it.
Speaker 2: Now, You've done that nap long enough.
Speaker 1: I go right, like clearly, but you know what it
Speaker 1: was just I'm realizing that I just was feeling overwhelmed
Speaker 1: because it was just I'm used to maybe like two
Speaker 1: or three things like oh this, you know, we got
Speaker 1: to fix this and tweak this, but it was literally like, oh,
Speaker 1: all ten, all ten things are broken and so yeah.
Speaker 1: But honestly though, it was good because I realized, like
Speaker 1: one that there's I'm not super systematic, so it forced
Speaker 1: me to put some systems in place so that way
Speaker 1: the people that I've hired can be more proactive because
Speaker 1: they're already awesome, but they can't do in something unless
Speaker 1: you know, I show them how at least the first time,
Speaker 1: you know, right, Yeah, yeah, So it made me do that,
Speaker 1: so I felt so much better about it now. Yeah.
Speaker 2: It's it's like when you get in those moments, because
Speaker 2: I've I think we've all like had those moments where
Speaker 2: you like either something goes wrong or it's like even
Speaker 2: just too many little things are going wrong and or
Speaker 2: too many people are like asking you questions and wanting
Speaker 2: answers from you, and you like get overwhelmed. I feel
Speaker 2: like lately I've been I've been forcing myself to go
Speaker 2: on like twenty minute walks around my office, and that's
Speaker 2: helped me, Like it's helped me like have the energy
Speaker 2: to answer people, like like you don't have to respond
Speaker 2: to something right away, like even though someone's if someone's
Speaker 2: like I need an answer right now, like I still
Speaker 2: take like if it's like, there was a serious budget
Speaker 2: question today that came up, and budgets are something I'm
Speaker 2: newly having to deal with, like the cost of everything
Speaker 2: that we produce and like managing and making sure we're
Speaker 2: on budget and then just setting prices for different things
Speaker 2: that we produce and YadA YadA. Anyway, so there was
Speaker 2: a question that came up and I felt like I
Speaker 2: needed it, like they needed an answer right away, but
Speaker 2: I still I was like, Okay, I need to think
Speaker 2: about this. I'm not used to answering this kind of question.
Speaker 2: So I took my little walk and thought about it,
Speaker 2: and I came back like with an idea, like ready
Speaker 2: to sort of talk about it. And it was okay,
Speaker 2: Like no one, nothing got burned down. It was okay,
Speaker 2: they could wait twenty minutes for me to you know,
Speaker 2: have a thought process. But and sometimes when you're in
Speaker 2: an environment where like everyone wants your response right then
Speaker 2: and there, and you have to, like, you know, it
Speaker 2: puts additional pressure. But I feel like when you can
Speaker 2: like stepping back saying I'll get back to you or
Speaker 2: give me some time or something like that, it's okay.
Speaker 1: Yeah, and you know what it is. I also suffer from,
Speaker 1: like us extreme middle child syndrome where I don't like
Speaker 1: for people to be unhappy. So we got like two
Speaker 1: emails from like support because you know, I have my
Speaker 1: literature academy and so two we call our academy members.
Speaker 1: Dream builders emailed me with some with two issues, like hey,
Speaker 1: I reached out to customer support but it wasn't rectified,
Speaker 1: and I'm you know, and we call them spicy, those
Speaker 1: type of emails where it's very clear this person is upset,
Speaker 1: you know. And so I was like, ah, because I'm not,
Speaker 1: you know, I don't do well with Oh my god,
Speaker 1: you're upset with me? How could I fix it? I'm
Speaker 1: sorry here, it's all my money, take my clothes, you know.
Speaker 1: So that's what were the reasons why? And I realized
Speaker 1: I was like, well, Tiffany, so I ended up. But
Speaker 1: honestly it ended up triggering like for me to create
Speaker 1: kind of like a best practices that if this is
Speaker 1: your if you have to email someone a third time
Speaker 1: there's something lost in translation. So I created I think
Speaker 1: it's like ten bucks a month or whatever, where we
Speaker 1: have a conference car line where you can ask that person, Hey,
Speaker 1: you know, I want to make sure I'm helping you,
Speaker 1: and I think the email is not we're losing something
Speaker 1: in email. If you're free today at three, you could
Speaker 1: call into the conference line for free and I can
Speaker 1: work it out. And so it ended up triggering that,
Speaker 1: which is really helpful because I ended up speaking to
Speaker 1: the two women who emailed me and they left like,
Speaker 1: oh my gosh, thanks so much. This was so helpful.
Speaker 1: And because the email, the emails weren't not that they
Speaker 1: weren't clear, but it's clear that they had their problem
Speaker 1: very clearing their head and articulating it via email was
Speaker 1: not as easy. And then the customer support was providing
Speaker 1: a solution and it wasn't articulated as and so you
Speaker 1: know it can cost for frustration. So now we have
Speaker 1: it like email one, you know, you solve the problem.
Speaker 1: Email two. It might escalate to a call depending on
Speaker 1: how angry Email two is, and email too might just
Speaker 1: be further further support. And then email three, definitely a call.
Speaker 1: So now we have like kind of this thing in place.
Speaker 1: So it was good, and I'm I reminded myself that
Speaker 1: you know that it's always good when things go wrong
Speaker 1: early on because it allows you to fix what's already broken.
Speaker 1: Just because I didn't realize it was the issue doesn't
Speaker 1: mean there wasn't one, you know.
Speaker 2: Yeah, totally. It's It's also it's nice to be able
Speaker 2: to It's nice to be the one putting systems in place.
Speaker 2: And like I said, Link I talked with this last week,
Speaker 2: Like when you're starting from scratch and you're building something new,
Speaker 2: or you're working on something new, or you're handling a
Speaker 2: new problem, it's nice to be in a place where
Speaker 2: you can work with people and put something in place
Speaker 2: and you're not like working against a crappy system. Yeah,
Speaker 2: already in place and sometimes like an old fashioned phone call. Yeah,
Speaker 2: working with I mean you work with tons of people remotely.
Speaker 2: I work with probably two and writers across the country,
Speaker 2: different time zones, you know, all types of different people,
Speaker 2: and like I call, I pick up the phone all
Speaker 2: the time because I get tired of I mean literally,
Speaker 2: if I didn't, we would just be communicating in Google
Speaker 2: Dot comments, Slack or email or g chat or whatever
Speaker 2: text message, and it's just sometimes, man, you just got
Speaker 2: to hear someone's voice and they need I think, like
Speaker 2: things get lost in translation, like tone, Like things can
Speaker 2: sound sassier when you're yeah, you know, you know it
Speaker 2: is when you're like, wait, did I am I interpreting
Speaker 2: this wrong? Or even I know I can sound like
Speaker 2: aggressive or abrasive, you know, via email or you know
Speaker 2: those communications. So I like to talk and I think
Speaker 2: people it's always easier. It's just like commenters on the website.
Speaker 2: It's always easier to be a jerk when you're typing
Speaker 2: something out, But as soon as you get people on
Speaker 2: the phone, they tend to be a lot a lot
Speaker 2: nict nice.
Speaker 1: So I've got some awesome news.
Speaker 2: Okay, what's up?
Speaker 1: So the house went through, they found the contract. We
Speaker 1: are under contract, and now I have to do basically
Speaker 1: it's pay. So I'm super excited it's to go. Okay,
Speaker 1: I know, after all that time, isn't that crazy? For
Speaker 1: a year we searched and then you know, we get
Speaker 1: with our new our new realtor, and then within a
Speaker 1: month she has us with the sign contract in the house.
Speaker 1: But to be fair that what I've learned from the
Speaker 1: house buying process is in the beginning, you're not really
Speaker 1: all that ready unless you this is like you know,
Speaker 1: you're buying multiple homes or whatever. But typically if this
Speaker 1: is your maybe first or second, you're still trying to
Speaker 1: figure out what you want. So to be fair, you know,
Speaker 1: she caught us at the perfect time and we were
Speaker 1: really clear on where we wanted to live, how much
Speaker 1: we wanted to spend, and you know, and what we
Speaker 1: wanted in the house. But she's also was also really
Speaker 1: awesome too, so you know, so yeah, I'm super excited.
Speaker 1: Like Superman, I thought he was gonna cry. He was
Speaker 1: like jumping up and down. This is his first house
Speaker 1: and he's like, I can't believe I'm a homeowner. I'm
Speaker 1: a homeowner. And then we got nervous, like, oh wait,
Speaker 1: we have work to do because it needs to be rewired,
Speaker 1: it needs to flooring in the kitchen. I mean, so
Speaker 1: now it's like, yikes, here comes the real like deal
Speaker 1: where we have to do.
Speaker 2: So because when you talked about it last week, you
Speaker 2: hadn't had the inspection yet, so did anything like crazy
Speaker 2: come up? I mean, obviously not too crazy because you
Speaker 2: know you're going through with it.
Speaker 1: But so the main things we were just worried about,
Speaker 1: So with older homes because the house was built in
Speaker 1: nineteen twenty two, so you're worried about obviously structural things.
Speaker 1: Foundation you're worried about like electrical stuff. You're worried about
Speaker 1: plumbing and the roof. Those are the most expensive things.
Speaker 1: And so three out of the four were great, it
Speaker 1: needs to be rewired, And that part I wasn't surprised
Speaker 1: with because whatever wiring they had in nineteen twenty two,
Speaker 1: they were atticipating you were going to have an iPad
Speaker 1: and a computer and a cell phone, and so it
Speaker 1: was going to have to be rewired anyway. But they
Speaker 1: had something in the house, and a lot of older
Speaker 1: houses have something called knob and tubing. It's basically, I
Speaker 1: don't know, it's like it. They call it nob and
Speaker 1: tubing because that's what it looks like when you see it,
Speaker 1: Like in the electrical panel, it looks like a little
Speaker 1: knob and some tubes, and so basically it's the old
Speaker 1: way that they used to wire your house. But it
Speaker 1: also turned out to be pretty dangerous and could like
Speaker 1: start fires within the walls, so you know, we were
Speaker 1: going to rewire anyway, So just knowing that that was
Speaker 1: the main thing, everything else is kind of like just
Speaker 1: for looks. You know, what is the word I'm looking for?
Speaker 1: Not commercial? Cosmetic. Everything else is cosmetic. So it's just rewiring,
Speaker 1: and rewiring is not cheap, but it has to be done. Yeah,
Speaker 1: so I'm excited. So now we just basically have to
Speaker 1: go in, clean out all the stuff that's kind of
Speaker 1: in there, get some electricians to come in to give
Speaker 1: us some quotes. So we'll do that first and then
Speaker 1: slowly but surely go room by room deciding what we want.
Speaker 1: So that's the big thing, because I can already tell
Speaker 1: Superman and I have totally different ideas of what grown
Speaker 1: and sexy is. Oh my good, look what Mandy? First
Speaker 1: of all?
Speaker 2: Is this like he believe used to pick out a
Speaker 2: comforter we both agreed on.
Speaker 1: So yeah, I'm like, sir, are you he is? You
Speaker 1: not think that he's really into college?
Speaker 3: But he is.
Speaker 1: I mean he's like, I want burgundy on the wall,
Speaker 1: I want orange in the kitchen, I want purple in
Speaker 1: the bathroom. What are we five? And he was like Tippany,
Speaker 1: you want everything to be like white, and I'm like no,
Speaker 1: but he said, but I want grown and sexy. I'm like, yeah,
Speaker 1: grown and sexy for eighteen year old that just got
Speaker 1: their first apartment. Like that's not what we're doing here.
Speaker 1: And so I'm like, Okay, I could tell it's going
Speaker 1: to be a battle, but one that I'm prepared to win.
Speaker 1: So actually, for those of you guys listening, you want
Speaker 1: to write on in if you want a Brown Ambition
Speaker 1: podcast and just click contact bornabisionpodcast dot com because I
Speaker 1: would really love some tips of because I'm still new
Speaker 1: to this marriage game, some tips of how to persuade
Speaker 1: and get my way without arguing. Because we were arguing
Speaker 1: for mythical things that haven't even happened yet. I'm like,
Speaker 1: we're already arguing. There has to be a way to
Speaker 1: get my way as far as this house is concerned,
Speaker 1: without him feeling bad about it. So that way we
Speaker 1: all win. I win as far as the house looking
Speaker 1: like I want. He wins because he's happy about it.
Speaker 1: So I'll try to figure that out. I just want
Speaker 1: to make sure that I mean, I want him to
Speaker 1: be happy. To you, maybe I'm just being facetious about
Speaker 1: how do I get over a kind disorder? But so
Speaker 1: we just decided what we're gonna do is we're gonna
Speaker 1: pull pictures offline of stuff that we both like and
Speaker 1: so that way we can both be on the same
Speaker 1: page and say, hey, this is what I was thinking
Speaker 1: for the living room, you know, so witchress board. Yeah.
Speaker 1: So well he's not super like savvy as far as
Speaker 1: being online and stuff. So yeah, I mean I'm excited though,
Speaker 1: because it's just it's a new chapter, like by this
Speaker 1: time next year. I mean, the house is big. It's
Speaker 1: it's five bedroom, three and a half bathroom. You know,
Speaker 1: sounds mess I can't read. Yeah, so I don't know.
Speaker 2: So we've all by now, we've all heard about the
Speaker 2: Equifax Stata breach. Don't do dun. Over one hundred and
Speaker 2: forty three million Americans impacted by the stat of breach.
Speaker 2: I can't believe we didn't talk about this last week.
Speaker 2: But this was a big f and deal.
Speaker 1: It was, and honestly, everyone was checking and I would
Speaker 1: say like eighty percent of the people that I saw
Speaker 1: posting on social media and Facebook were like, I was affected?
Speaker 1: What did that mean?
Speaker 2: You know what? The thing that i've heard, so if
Speaker 2: you're not if you're not aware. Basically, Equifax is one
Speaker 2: of the three credit bureaus, right, so three credit bureaus.
Speaker 2: They're the ones who track all your credit behavior and
Speaker 2: report it to lenders, and that information is what's used
Speaker 2: to create your credit score down the line. So Equifax
Speaker 2: is one of the big three, and they had this
Speaker 2: massive hack that happened sometime over the summer, and for
Speaker 2: some reason, it took the company until the end of
Speaker 2: September or sorry, the end of August early September to
Speaker 2: make it public, and now we're all sort of like
Speaker 2: dealing with the aftermath. And basically what happened during the
Speaker 2: breach is that hackers were able to access social security numbers,
Speaker 2: financial account information, addresses, names, like a ton of really
Speaker 2: important personal identifiable information. So that's why we were saying
Speaker 2: this is a this is a big deal because like
Speaker 2: this is like a hackers dream. You can of yes,
Speaker 2: create identity, You can create accounts with this information and
Speaker 2: impersonate another person with even just a couple of pieces
Speaker 2: of this stuff that they took.
Speaker 1: And there was actually someone you know in our Fincon
Speaker 1: group for those of you who remember fin Con is
Speaker 1: this financial educators or what's it? Like? Well, financial conference
Speaker 1: that Omanny and I go to from time to time,
Speaker 1: and someone in there they took sixty five thousand dollars
Speaker 1: out of her account related to the hack, and she
Speaker 1: believes so it happened recently. Wow, and she was really
Speaker 1: freaked out and she was just kind of walking us
Speaker 1: through like you know. I guess as soon as she
Speaker 1: figured it out, she called her bank and the bank
Speaker 1: said it's still pending, so there's nothing they can do
Speaker 1: about it just yet. I don't know, so I have
Speaker 1: to actually I'm going to go in and kind of
Speaker 1: look to see, like, what's what's happened in the meantime.
Speaker 1: So it's crazy. Someone just emailed me today. I don't
Speaker 1: know if this is related to the hack, but apparently
Speaker 1: they have three mortgage in in like some other things
Speaker 1: under her and her husband's name that someone had stolen
Speaker 1: their identity. They didn't realize and opened up all of
Speaker 1: these things. She's like, why we only three houses and
Speaker 1: we didn't even know.
Speaker 2: It's gonna be hard, it's gonna be hard to tell
Speaker 2: like when things. So first of all, everyone you should
Speaker 2: you should pretty much assume like I mean, this is
Speaker 2: this is like half of the people in America. Like
Speaker 2: I was gonna say that, you can pretty much assume
Speaker 2: that you might be impacted by this, and you know,
Speaker 2: you can go to Equifax Security. The website is Equifax
Speaker 2: Security twenty seventy dot com to see, you know, if
Speaker 2: there's a tool on the Equifax website where you can
Speaker 2: basically like input some information and it will tell you
Speaker 2: if you were impacted. I've read that this tool just
Speaker 2: basically tells everyone they're impacted, that they've been affected.
Speaker 1: So, like the.
Speaker 2: Question is, well, what do I do now? Like a
Speaker 2: lot of people have been Well, the most important thing
Speaker 2: is to monitor your credit, which you can do. You
Speaker 2: can do through Credit Sesame, you can do through Credit Karma.
Speaker 2: You can of course your free credit report once a year.
Speaker 2: But if you want a more consistent monitoring, then there's
Speaker 2: other tools available.
Speaker 1: One thing I have, do you have? Like I have
Speaker 1: LifeLock me and Superman because somebody had like opened up
Speaker 1: a some sort of account under his name. I guess
Speaker 1: it's not a PayPal. What is that thing when you
Speaker 1: go easy pass when you go through and they weren't
Speaker 1: paying it, and so we were getting like like tickets
Speaker 1: in our in our you know, like mail, and we
Speaker 1: were like what And it turned out somebody had opened
Speaker 1: up an easy pass with his name and then something
Speaker 1: else a week later. So finally he got LifeLock and
Speaker 1: it was just a few bucks a month, but it
Speaker 1: was it was everything because whenever someone tried to open something,
Speaker 1: he would get like a text message saying, hey, Superman,
Speaker 1: is this you? And if he clicked to know, then
Speaker 1: it would be shut down. If he clicked yes, it
Speaker 1: would be allowed to go through. So if you're really
Speaker 1: really worried, think about getting it. Doesn't have to be LifeLock,
Speaker 1: obviously because they're not paying us no money, but it
Speaker 1: could be something similar.
Speaker 2: Yeah, yeah, Lifelock's one of those. So how it exactly
Speaker 2: does life block work?
Speaker 1: So you sign up for it, you can get like
Speaker 1: the eight ninety nine. I'm not gonna lie, I'm not
Speaker 1: really clear about the difference between eight ninety nine like
Speaker 1: nineteen ninety nine a month, but what I do know
Speaker 1: is that when you sign up, you then start to
Speaker 1: get alerts whenever someone tries to open up a account,
Speaker 1: basically any sort of like bank account, a credit card,
Speaker 1: something like that that really would like usually would require
Speaker 1: your your social security number. So whenever anyone someone tries
Speaker 1: to open up an account under your name slash social
Speaker 1: security number, you're supposed to get an alert via phone.
Speaker 1: Sometimes they'll even call you or via email, and the
Speaker 1: alert basically says, hey, this account is trying to be
Speaker 1: open is it you? And you have to verify yes
Speaker 1: it is, and if you, but until it's verified, Like
Speaker 1: for example, we were opening up a joint account and
Speaker 1: he kept getting like denied by Ally. I couldn't understand why,
Speaker 1: and it turned out he wasn't looking at his emails.
Speaker 1: LifeLock was asking him, hey, someone is trying to open
Speaker 1: up account an Ally, is it you? And once he
Speaker 1: said yes, it is, then Ally was able to allow
Speaker 1: him to have to joint account with me. And I thought, wow,
Speaker 1: that's great. You know.
Speaker 2: So it's like an extended version of like a credit freeze,
Speaker 2: is what it. So it sounds like a little bit
Speaker 2: more comprehensive than a credit freeze because exactly a lot
Speaker 2: of it. I was going to say, a lot of
Speaker 2: the advice has been, you know, get a credit freeze
Speaker 2: right away, and like, I think that's good advice. Credit
Speaker 2: freezes can be helpful Basically, when you you do a
Speaker 2: credit freeze, you have to do it at all the
Speaker 2: three bureaus, and it basically stops anyone from being able
Speaker 2: to open up an account like a like a credit
Speaker 2: card or take out a line of credit without you
Speaker 2: being alerted. But it doesn't I don't know if that
Speaker 2: if that extends to like bank accounts, like cell phone contracts,
Speaker 2: like things.
Speaker 1: Like that and life like that. That's what I like
Speaker 1: about it.
Speaker 2: But if you're I know that, Equifax, like today or
Speaker 2: earlier this week, announced that it's offering it's gonna waive
Speaker 2: the fee to freeze your credit through Equifax. So some states,
Speaker 2: a lot of states actually charge little fees to to
Speaker 2: freeze your freezer credit. So like there may be a
Speaker 2: fee a feed a freezer credit, and there may be
Speaker 2: a feed to quote unquote thaw your credit like if
Speaker 2: you actually want to go get a credit card. This
Speaker 2: is kind of the annoying thing about a freeze, like
Speaker 2: you have to thaw your report first and then that
Speaker 2: can cost a fee. So anyway, Equifax finally was like,
Speaker 2: we're going to offer you know, a free credit freeze.
Speaker 2: But credit freezes, like they don't protect you from everything.
Speaker 2: One of the So they're good for if someone opens
Speaker 2: a new account in your name, And it sounds like
Speaker 2: LifeLock is good for if someone opens a new account
Speaker 2: in your name. I think what LifeLock might offer too
Speaker 2: and other like identity theft protection services, is that what
Speaker 2: about your existing accounts that are already like these hackers
Speaker 2: may be able to access, Like that's the kind of
Speaker 2: thing like they're not. It's not like they have to
Speaker 2: open a new account. They have they may have accessed
Speaker 2: to your current accounts. And that's where credit freeze like
Speaker 2: wouldn't protect you. And you need to have some sort
Speaker 2: of system in place, whether it's you can like I
Speaker 2: have on my all my credit cards, if I spend
Speaker 2: over a dollar, I get a text alert and an
Speaker 2: email Like it's a little overkill, but I enjoy it.
Speaker 2: Oh do a dollar, yes, but you know what it
Speaker 2: came at. Like this past this past month on my
Speaker 2: my Chase card, there was a ninety nine dollars purchase
Speaker 2: on some Raindom electronic site that I didn't make, and
Speaker 2: I neatly got a text alert and I was like, Okay,
Speaker 2: I'm gonna call Chase right now and get this removed.
Speaker 2: And who knows when I would have noticed that if
Speaker 2: I had waited, you know, so you can do fifteen
Speaker 2: like whatever. But you know, some of those scammers, like
Speaker 2: they'll charge like two dollars or one forty two or
Speaker 2: something random just to test.
Speaker 1: Yeah, to see ooh does it go through? And then
Speaker 1: you won't even notice.
Speaker 2: Right, So that's that's just why I personally do like
Speaker 2: the one dollar and over alert. You can also do
Speaker 2: like the multi factor authentication for your bank accounts if
Speaker 2: they allow it, like you know, we're in order to
Speaker 2: sign into your account, you have to get you have
Speaker 2: to also a text alert on your phone and have
Speaker 2: a code. So if you're like these hackers obviously don't
Speaker 2: have your cell phone in their hands. So if you
Speaker 2: have that setup, then you'll get an alert if someone
Speaker 2: tries to access like your Vanguard account or your you know,
Speaker 2: Chase account or bank account or whatever, and then you
Speaker 2: can say this isn't me and you can deny that request.
Speaker 2: And then of course, like already there's a scam. So
Speaker 2: like the people are getting calls from this, like people saying, oh,
Speaker 2: I'm a concern Equifax representative and I'm just calling to
Speaker 2: confirm your verify your account information, So watch out for
Speaker 2: those types of phone calls. Like Equifax is not calling you.
Speaker 2: They don't care them. I mean they care, but they
Speaker 2: they're not doing that kind of level of They're not
Speaker 2: calling one hundred and forty three million people personally. So
Speaker 2: so don't trust anyone if they call you and like
Speaker 2: or send you an email, you know, asking to confirm
Speaker 2: your bank details or any of that kind of crap.
Speaker 1: Yeah, there's always a scam related to anytime people are
Speaker 1: in a vulnerable situation or state because you're not thinking, like,
Speaker 1: why is this person asking for my full Social Security number?
Speaker 1: That doesn't sound right, you know, but yeah, and I
Speaker 1: was just looking at lifelocks on website, so so yeah,
Speaker 1: you're you're right, Mandy. They also provide like money back
Speaker 1: and like you can I think up to depending on
Speaker 1: which program or plan that you have, you can get
Speaker 1: up to a million dollars back and for lawyers and
Speaker 1: experts or refunds. So I don't know, to me, it's
Speaker 1: just worth it. I have the nineteen ninety nine one,
Speaker 1: and to me, it's just worth it. Because the other
Speaker 1: day I was opening to a bank account for myself
Speaker 1: and it asked the question and I was like, Oh,
Speaker 1: I forgot I had LifeLock. That's always really good. So
Speaker 1: it's like the peace of mind. It is, honestly, and
Speaker 1: it's I.
Speaker 2: Should I should note that if you don't want to
Speaker 2: pay for credit monitoring services, and there's so many different
Speaker 2: types of services are we actually did a guide at
Speaker 2: Magnifying Money, which I'll post in the show notes because
Speaker 2: I don't even know enough about Like I couldn't tell
Speaker 2: you at the top of my head. There's a bunch.
Speaker 2: But Equifax is offering one year free credit and identity
Speaker 2: monitoring to people who are affected or just anyone who
Speaker 2: wants it, and it's through Trusted ID. So if you
Speaker 2: want to just try free, you can go to the
Speaker 2: website is Equifaxsecurity twenty seventeen dot com to enroll in
Speaker 2: that free service, and I'll post a link so you
Speaker 2: can see what else is out there. But being alert,
Speaker 2: you know what they say too, is like the one
Speaker 2: year of free I remember I did a story on
Speaker 2: this at Yahoo not long ago, a couple of years
Speaker 2: ago on like another hack had happened. It was like
Speaker 2: the healthcare hack or something, and experts were saying that, yeah,
Speaker 2: one year of free identity stuff or one year of
Speaker 2: monitoring is okay. But like a lot of times with
Speaker 2: these data breaches, the information is put up on websites
Speaker 2: and sold, but not like they'll purposefully wait a year
Speaker 2: or year and a half to sell it because they
Speaker 2: know by then people wi will let their guards down,
Speaker 2: and that's when you might see a bunch of charges.
Speaker 2: So they're like, come next year, we might be seeing
Speaker 2: like you may, it may be quiet for a while
Speaker 2: before we really see the repercussions of this breach. Uh. Yeah,
Speaker 2: it's a it's a it's a it's a scary scary
Speaker 2: time right now.
Speaker 1: Oh child? So are we ready for mess?
Speaker 2: Always? Sorry, I'm not a big enough mess for for you.
Speaker 1: I'm like no, so, truty, So what have you heard
Speaker 1: about Kevin Hart and his messiness?
Speaker 2: I mean, I want to give you the pleasure of
Speaker 2: spilling the tea?
Speaker 1: Right? So I was like, what has happened? I'm like, yeah,
Speaker 1: so Kevin Hart apparently, I mean allegedly, because we don't
Speaker 1: want to get sued or whatever, so he he just
Speaker 1: recently got married to Nico I think her name is,
Speaker 1: and she's pregnant, like you know, a few weeks away
Speaker 1: from giving birth. He has two kids already, I believe
Speaker 1: a boy and a girl with his ex wife who
Speaker 1: he cheated on with, and you know, and he's admitted
Speaker 1: to it and apologize for it and ended up stand
Speaker 1: up comedy about it. But still there's a little back
Speaker 1: and forth because his wife, Tori art Uh, and she
Speaker 1: was on one of these reality shows, but she basically
Speaker 1: was like, you know, it's kind of messed up that
Speaker 1: now you know, she's forgiven him, but that according to her,
Speaker 1: that he was cheating. One of the women he was
Speaker 1: cheating on her with was Aniko, who he's now married to.
Speaker 1: They've they've denied it, of course, but she's like, whatever, girl, Yes,
Speaker 1: it was. So recently it came out there's a young
Speaker 1: woman who apparently is an exotic dancer, a stripper, who
Speaker 1: secretly taped him and like it was him and her,
Speaker 1: and then there was I think apparently another girl in
Speaker 1: the room, you know, having sex. And so before this
Speaker 1: video came out, which I have not seen, which because
Speaker 1: I don't like watching sex videos, like you know, like
Speaker 1: someone was like, eh, I'm good, and so they apparently
Speaker 1: before the video came out, he did an apology video
Speaker 1: on Instagram, saying I made a mistake. I had a
Speaker 1: lapse in judgment. I apolgized to my wife and my
Speaker 1: and my kids. And so look, this is like I said,
Speaker 1: this is before the video came out. So everybody was like,
Speaker 1: what did he do now, because there were rumors buzzing
Speaker 1: that he was cheating on his wife, but he always
Speaker 1: was like, that's a lie, that's a lie. But you know, now,
Speaker 1: this girl. What was odd to me was that the
Speaker 1: girl who taped it made it very plain that she
Speaker 1: taped it to extort him. I'm like, does she realize
Speaker 1: this is a legal crime. Yeah, I mean it's so
Speaker 1: strange made it because all these interviews she's like, yes,
Speaker 1: I want him to pay. That's why I did the
Speaker 1: video so he can pay. And I'm like, uh, pretty much,
Speaker 1: pretty sure you're admitting to a crime. But anyway, and like, oh,
Speaker 1: I know what I am. But he's pretending to be
Speaker 1: a good husband and he's a cheater and blah blah
Speaker 1: blah blah blah. So it's just really messy because it's
Speaker 1: just like, I mean, you know a man, you know,
Speaker 1: men cheat, So you know, Kevin Hart being famous or
Speaker 1: not famous, But I guess what's so What makes this
Speaker 1: so such a big deal is because Kevin Hart has
Speaker 1: been so vocal about this woman who was like the
Speaker 1: love of his life and she's so amazing, and you know,
Speaker 1: like even before they got married, it was like he
Speaker 1: used to call her my rib, you know, like the
Speaker 1: rib comes from like in the Bible, when God made Eve,
Speaker 1: he started her off by taking a rib from Adam,
Speaker 1: and then he was like, this is your match for life.
Speaker 1: And that's like, you know, the story in the Bible,
Speaker 1: and so he kept saying, this is my rib, basically
Speaker 1: my match for life. God created her for me, like
Speaker 1: all these videos and pictures and she met my kids
Speaker 1: and just all of this. Like so I guess it's
Speaker 1: so strange because I'm thinking to myself, well, the whole
Speaker 1: world knows about this young woman and that she's your
Speaker 1: wife now and she's pregnant. I just don't see how
Speaker 1: you thought that cheating wasn't going to catch up to you.
Speaker 1: Everybody knows you're married, you know.
Speaker 2: I mean, we saw the same thing happened to like
Speaker 2: David Letterman, and this is like tail as old as time.
Speaker 2: Don't trust a male celebrity when they get money, they
Speaker 2: turn into cheeters. That's the remix.
Speaker 1: Yes, I'm like wow. And so it's clearly like she
Speaker 1: has this little crappy phone hidden in the corner or whatever.
Speaker 1: She had hit iten in the corner. So it wasn't like,
Speaker 1: you know, he was like taking obvious pictures with her
Speaker 1: or anything.
Speaker 2: So shout out to her from she must have watched
Speaker 2: Girls Trip, because this was like a plotline Girls Trip.
Speaker 1: You know what. I didn't like though, when he did
Speaker 1: his little apology, he was like, oh, I have a
Speaker 1: target on my back. I'm like, no, sir, you I
Speaker 1: mean the fact of the matters, you cheated, and you know,
Speaker 1: I mean men, she you know, not all men, thankfully,
Speaker 1: but men. She just apologize for that, and you don't
Speaker 1: need to do an open casting call for your whatever,
Speaker 1: like you know, that's between you and your wife now.
Speaker 1: And everyone was like, ooh, I know. His ex wife
Speaker 1: was like I told you, I told you, you know,
Speaker 1: because it was kind of like, oh, she's just bitter.
Speaker 1: She's just mad because he left her before he blew up,
Speaker 1: and she didn't get the spoils of all his his
Speaker 1: like big celebrity stuff now and so now she's just
Speaker 1: probably like, well, you know, hey, here we are like
Speaker 1: I told you that he cheated on me. He admitted it,
Speaker 1: but you know it wasn't ask forthcoming. And now you
Speaker 1: guys get to see I don't know, it was just
Speaker 1: everybody on my Facebook. We're not everybody, but it was
Speaker 1: just the topic of deep discussion a lot of different men.
Speaker 1: I saw a lot of men say like, oh, you know,
Speaker 1: blaming that I guess the young woman that taped him.
Speaker 1: And then you know, of course women are like excuse
Speaker 1: his excuses.
Speaker 2: She's trash too, but for another reason, like it's pretty shitty.
Speaker 2: It's it's illegal obviously, I mean, but but the uh
Speaker 2: but I mean, come on, when you're a celebrity, you
Speaker 2: take on, Yeah, there's a target on your back. Like
Speaker 2: that's just like one of the that's one of the
Speaker 2: downsides more money.
Speaker 1: More problems exactly. And then I mean I just think
Speaker 1: to myself, like, well, I just I mean, I'm just
Speaker 1: imagining that, like if you cheat with like twenty girls,
Speaker 1: somebody is probably going to try to extort you, like
Speaker 1: you know what I mean, Like, you're just at a
Speaker 1: position now where people are going to think that they
Speaker 1: could get money for I think she was trying to
Speaker 1: get like four hundred and fifty thousand dollars. I'm like, wow,
Speaker 1: you're reaching, man, You're reaching.
Speaker 2: That's in your pants. That's like the number one. That's
Speaker 2: like good financial advice for celebrity men. Just keep it
Speaker 2: just you know? Is it that hard?
Speaker 1: Is it?
Speaker 2: I think it's just like the level of narcissism too.
Speaker 2: Like the first thing he did was get on Instagram
Speaker 2: and post a tell all confessional. Like I'd be like,
Speaker 2: where you should be kissed, like bowing down to your
Speaker 2: wife or I don't know, going to like make amends
Speaker 2: or something.
Speaker 1: You should you know, take a break a pregnant lady.
Speaker 1: Oh I know, Like I mean, like I said, I
Speaker 1: don't know, you know, I don't know their personal life
Speaker 1: even though we disgusted it. It so I don't know if
Speaker 1: they cheated when he was with his wife. But I'm like, wow,
Speaker 1: she's pregnant. That can't be easy. You know.
Speaker 2: Well, since we're on the entertainment segment of our of
Speaker 2: our of our show today, do you want to talk
Speaker 2: real quick? I need to give a shout out to
Speaker 2: Donald Glover. Like there was so much brown power, brown
Speaker 2: magic at the emmysh.
Speaker 1: I didn't see it. Do tell you're turned now you're up.
Speaker 2: Yes please? So Donald Glover for Best Director of a
Speaker 2: Comedy Series for Atlanta, which was major. Sterling K. Brown
Speaker 2: was the first black man since nineteen ninety eight I
Speaker 2: believe to win the Best Actor in a Drama. Ooh,
Speaker 2: and Lena Wath and as He's a Onzari won for
Speaker 2: their episode of Master of None for writing, which was huge.
Speaker 2: I mean, Lena Wait is like, first of all, the
Speaker 2: first black queer, I think, the first woman black woman
Speaker 2: to win in this category. But then on top of that,
Speaker 2: she's also queer, so it's like double whammy. And episode
Speaker 2: they won for our one four was like the episode
Speaker 2: of Master of None. If you haven't watched it, even
Speaker 2: if like you don't watch the whole series, just go
Speaker 2: and watch this episode and Master of None. It's on Netflix.
Speaker 2: It's called The Thanksgiving I think it's called The Thanksgiving
Speaker 2: Dinner or something, but it's it's like a half hour,
Speaker 2: and over the course of this half hour, it's the
Speaker 2: story of Lena Wait's character coming out to her mom
Speaker 2: at Thanksgiving and it features Angela Bassett. Oh yeah, now,
Speaker 2: we did talk about this because I messed up the
Speaker 2: name I said it was Jackie Jackie Harre and it
Speaker 2: was yes, yes, yeah, it was what's her name?
Speaker 1: I forget, don't even ask me. I'm like, lo, I'm
Speaker 1: not even gonna go there, but I know exactly who
Speaker 1: you're talking about.
Speaker 2: Yeah, yeah, anyway, So it was just really exciting, and
Speaker 2: like I think it was the most it was the
Speaker 2: most diverse nominations in Emmy history, and everyone was sort
Speaker 2: of like patting themselves in the back. There was some snubs,
Speaker 2: like Easter Ray didn't get nominated, I don't think, which
Speaker 2: is kind of sad, but she was there looking amazing,
Speaker 2: and I don't know, it was just it felt really,
Speaker 2: it felt really the vibe. The vibe was much different.
Speaker 2: I think ever since like all that Oscar so White controversy,
Speaker 2: I think I think that's the situation when like the
Speaker 2: the awards and like the entertainment business really actually rose
Speaker 2: to the call.
Speaker 1: Did Ray? Did you see what? She? They were like,
Speaker 1: who are you rooting for? She said, I'm everybody black?
Speaker 1: I thought that was I said that that ain't Brian ambition.
Speaker 1: I don't know whether.
Speaker 3: Yeah, so are you ready to boost?
Speaker 1: Are you ready to break?
Speaker 2: H okay, I'm ready?
Speaker 1: All right?
Speaker 2: You want to go first, sure, I'm going to do
Speaker 2: a break, okay from the How do I do this
Speaker 2: in a way where people I work with who listen
Speaker 2: to the podcast won't to use it against me? I
Speaker 2: think I'm talking about them. But here's my break because
Speaker 2: I well, first of all, it's meetings, Like I want
Speaker 2: to do a break from meetings in general. I think
Speaker 2: that there is a way. I think there is like
Speaker 2: a way to do a meeting in a really really
Speaker 2: effective I'm getting better at my meetings. I think most
Speaker 2: meetings can be fifteen minutes. But I was literally trapped
Speaker 2: in a three hour meeting like not long ago, and
Speaker 2: I was sitting there, like, how are we still sitting here?
Speaker 2: How is this meeting still happening? We're all you know,
Speaker 2: And I think that it just takes away It just
Speaker 2: sucks so much time out of the workday. But like,
Speaker 2: what do you do when the meeting isn't your meeting?
Speaker 2: You've just been called into it, and it's like you're
Speaker 2: not really running the show. I I don't.
Speaker 1: Know, Honestly, I can't even tell you because thankfully, like
Speaker 1: I do so I meet with everyone and we're getting
Speaker 1: a little bit too big for that now. But I
Speaker 1: meet with everyone on my staff for like fifteen to
Speaker 1: twenty minutes on Monday, so I usually like they'll be
Speaker 1: back to back, So I'm like, all right, I have
Speaker 1: a call with you at ten, then you at ten thirty,
Speaker 1: and then you at eleven eleven thirty. So they before
Speaker 1: it was maybe like five or six, and now that
Speaker 1: we're a little bit bigger, I'm going to start grouping
Speaker 1: folks together. But we really we purposefully. I purposefully do it,
Speaker 1: and I make that like the next person they have
Speaker 1: to call me. So it forces me that when we're
Speaker 1: having our fifteen minute because I'm like, I don't want
Speaker 1: to be on the phone back to back to back,
Speaker 1: so like I have a bit of a reprieve. It
Speaker 1: forces me to get it done in fifteen minutes, like
Speaker 1: you know, hey, what's up, how you doing? Okay, what
Speaker 1: are you working on? What do you need support with? All? Right?
Speaker 3: Bye?
Speaker 1: Go? You know. So so no, but because I get it,
Speaker 1: because I thankfully I don't. I don't work in corporate America,
Speaker 1: and I haven't I haven't had to like sit, but
Speaker 1: I've definitely had to sit in meetings in general. So
Speaker 1: I've been trying to be very mindful to be like,
Speaker 1: you know, if you can't get it out in like
Speaker 1: fifteen minutes, like the basic gist, then there's usually an issue,
Speaker 1: you know, and then we just follow up in slack.
Speaker 2: Yeah, I think that it's like the shorter meeting, but
Speaker 2: it's also it's it's also I mean, it can be good. Like,
Speaker 2: for example, we've created this monthly chime in meeting chime in,
Speaker 2: which has helped because you know, you're when you're creating
Speaker 2: like a product, and you and and you know you're
Speaker 2: owning the product and you're sort of creating it and
Speaker 2: your team is creating it, and then it goes live
Speaker 2: right and it's out there, and then you have people
Speaker 2: reaching out to you and saying, hey this, why don't
Speaker 2: you do this? What about this? And what about that?
Speaker 2: Like they're chiming in after something that you own has
Speaker 2: already been out there, and then that chime in noise
Speaker 2: gets really confusing. So one thing I actually do, like
Speaker 2: is we created a monthly chime in meeting so people
Speaker 2: reserve their opinions and then we actually have a meeting
Speaker 2: so that people aren't being pinged and slacked and emailed
Speaker 2: and like bothered about small minor things that people's opinions
Speaker 2: like throughout the month, and it gives a forum for
Speaker 2: everyone to sort of here's your here's your chance to
Speaker 2: kind of weigh in on what happened the month prior
Speaker 2: and have your your feedback. So in that case, like
Speaker 2: that's a meeting Where'm like, hey, that's actually useful because
Speaker 2: it removes a bunch of bothersome you know, commentary throughout
Speaker 2: the month. And I was really pleased when we added
Speaker 2: that to our schedule. But I could definitely do without
Speaker 2: the three hour traps.
Speaker 1: So I'm going to boost I'm not sure if I
Speaker 1: talked about this, did I talk about Game of Thrones?
Speaker 2: You always you always bring up Game of Thrones only
Speaker 2: to tell me that you don't watch it, So I'm
Speaker 2: curious what you have to say about it.
Speaker 1: Well, I'm going to boost Game of Thrones because Superman
Speaker 1: and I we're trying to find more things that we
Speaker 1: have in common that are like chillid back things, like
Speaker 1: you know, we wost like the movies and like eating
Speaker 1: out and stuff, but like when it comes time for TV,
Speaker 1: we tend to be very separate. Like I'll be like,
Speaker 1: all right, I'm going upstairs and I'm like, no, you know,
Speaker 1: because I don't like he likes sports and that damn.
Speaker 1: I love HGTV and he can watch, but after like
Speaker 1: hour two he's like I now do. And he and
Speaker 1: Supergirl both really like comic book like Marvel and all
Speaker 1: that kind of stuff. They both like those type of movies,
Speaker 1: which I do enjoy, so I'll watch those, but I
Speaker 1: don't like the cartoons. So when they turn those on,
Speaker 1: I'm like, I'm out. And so I said, there's gotta
Speaker 1: be something that he and I both enjoy that we
Speaker 1: can watch and kind of binge on. And so this
Speaker 1: past Saturday, so maybe like a week ago, we started
Speaker 1: watching Game of Thrones and we both enjoyed it. And
Speaker 1: then I said, babe, why don't we binge watch on Saturday?
Speaker 1: And we did and it was so much fun. We
Speaker 1: literally just laid in bed binge watch ate and lay
Speaker 1: in bed and so like the evening. And so I
Speaker 1: want to boost Game of Thrones because it was such
Speaker 1: a nice, like a day.
Speaker 2: You're making it sound like it's like a delightful family show.
Speaker 2: I know, meanwhy, it's just a great program. The incest,
Speaker 2: the beheadings, I know, the child murder, I know right.
Speaker 1: Oh my god, but we're we're on.
Speaker 2: I'm so excited though, now I can talk to you
Speaker 2: about it. Oh my god.
Speaker 1: Wait, I'm still in the beginning. I know.
Speaker 2: I'm not going to say anything. Don't worry.
Speaker 1: Yes, we're only on season two so we're still really early.
Speaker 1: But I'm not gonna lie. Started a little slow. I
Speaker 1: was like, come on now, but.
Speaker 2: It doesna start. It's gonna pick up, don't you worry.
Speaker 1: What I'm already like, wait a minute, no, Draco or
Speaker 1: whatever the Tdarian name is, why did you have to die?
Speaker 1: And I'm like, wait, she's a dragon.
Speaker 3: Wait, what's going on?
Speaker 1: And so there's so many great like I'm really like
Speaker 1: getting into it and it's getting really good. So I'm excited.
Speaker 1: So that's my my booze. Thank you for granmed Game
Speaker 1: of Thrones, for bringing me and Superman just that much
Speaker 1: closer together over violence and sexual inappropriateness.
Speaker 2: It's so good and it stays good too, and since
Speaker 2: seasons season seven just ended, and like you're in the
Speaker 2: best position because now you get to enjoy it without
Speaker 2: like worrying about people posting on it, you know, on
Speaker 2: Twitter about what happened in last episode. Like you can
Speaker 2: just relax and ben.
Speaker 1: Yeah, because I'm not gonna lie. Like the good things.
Speaker 1: I don't remember any of the spoilers because I didn't
Speaker 1: get what they were talking about, so I'm like whatever
Speaker 1: what that means? So I don't even remember. But so yeah,
Speaker 1: I'm excited because it's been good. So we try to
Speaker 1: watch maybe like an episode of Night before we go
Speaker 1: to sleep, which might not be the best idea, but whatever,
Speaker 1: like oh, dreaming about Game of Thrones. But yeah, it's
Speaker 1: just been great. So thank you Game of Thrones, Thank
Speaker 1: you Hbow.
Speaker 2: Fantastic.
Speaker 1: So I know we have a really good question we do?
Speaker 2: Did you I send it? Did I send it to?
Speaker 2: I did?
Speaker 1: Okay, No you did. It was very, very very juicy.
Speaker 1: I was like, whoa, somebody twists and turns?
Speaker 2: Okay, So yeah, Berne read today's question. If you guys
Speaker 2: want to leave a question, go to brandanbishpodcast dot com,
Speaker 2: hit ask us anything and send us your question. This
Speaker 2: question is from someone who'd like to be called Tracy
Speaker 2: fair enough, really interesting. I'm not even sure if I
Speaker 2: have a good answer, but I think that this is
Speaker 2: definitely a situation where I feel for her, and so
Speaker 2: let's get to Tracy's question, so she says, I'm twenty
Speaker 2: six twenty six years old, and I have a three
Speaker 2: year old son his dad. My boyfriend and I have
Speaker 2: been together for the past five years. Neither of us
Speaker 2: have very good credit, but we're working to improve our scores.
Speaker 2: We both have dreams of home ownership, but right now
Speaker 2: we're renting a house from a private owner. But let's
Speaker 2: just say our dream house went to our worst nightmare
Speaker 2: really quickly. We initially signed a twelve month lease. Everything
Speaker 2: was fine at first, we had hardly any contact with
Speaker 2: our landlord, but when it came time for us to
Speaker 2: sign a new lease, the landlord told us we'd now
Speaker 2: be on a month to month contract instead of the
Speaker 2: traditional one year lease. I felt like something was fishy
Speaker 2: at that point, but I continued on with the agreement.
Speaker 2: So flash forward to two Flash forward to two months later.
Speaker 2: After the lease was signed, my boyfriend came home one
Speaker 2: day and realized that we had an eviction notice on
Speaker 2: our door. After the first eviction notice we received, there
Speaker 2: was one more, and then another one in person. Our
Speaker 2: landlord told us that the house was costing more money
Speaker 2: than he was making, and we had thirty days to move. Guys,
Speaker 2: this is my worst this is any parents worst nightmare.
Speaker 2: A week later, we discovered the house was actually in
Speaker 2: the beginning stages of foreclosure and really within thirty days,
Speaker 2: and within those thirty days we were unable to find
Speaker 2: a new place. So here's her question. Here's sort of
Speaker 2: what she's going through. My family is religious and wouldn't
Speaker 2: let both of us move back in due to us
Speaker 2: not being married. My boyfriend is from a different state
Speaker 2: where we live, and we don't have a lot of
Speaker 2: family here who could help us. We have decent jobs,
Speaker 2: but we live in different households and it's been impossible
Speaker 2: for us to save. We both have limited time at
Speaker 2: our We have limited time at our current living situation,
Speaker 2: so it sounds like they're both living separately until they
Speaker 2: figure out a permanent place to stay. And due to
Speaker 2: our credit not being the best around five hundred and twenty,
Speaker 2: we also have limited options on rental places that we
Speaker 2: prove us. Do you have any tips or advice on
Speaker 2: how we can try to save for a new place
Speaker 2: quickly without having any backup savings. Poor Tracy, that sucks.
Speaker 1: I know, well, one I was just taking like a
Speaker 1: quick like like Googles, and so I'm on the Consumer
Speaker 1: Finance dot gov website and it says, like, what should
Speaker 1: I do with my house or the apartment I'm renting?
Speaker 1: Goals into foreclosure. So one, I don't know if you're
Speaker 1: already out of the home, but if you're not, it
Speaker 1: says if your landlord stops paying the mortgage for closing
Speaker 1: proceedings may happen. Some state and local law may offer
Speaker 1: protection for renters in the foreclosure process. More information about
Speaker 1: the landlord tenant laws in your state is available here.
Speaker 1: So one thing I do know. So, for example, in
Speaker 1: New Jersey, I remember when I was house hunting, there
Speaker 1: was a house in particular where the woman there was
Speaker 1: a woman who was living there and the part of
Speaker 1: I guess selling the house, the man who was owning
Speaker 1: the house didn't want to be in charge of evicting
Speaker 1: her if we wanted to buy the house. And I
Speaker 1: remember specifically one of my friends, who is a real
Speaker 1: estate investor, said what kind of lease do they have?
Speaker 1: And I said, you know, is it? It's I think
Speaker 1: it's month to month. That's better, right, And she was like, no,
Speaker 1: actually that it's actually easier to guess. I guess remove
Speaker 1: someone who has a it's harder to remove someone who
Speaker 1: has a month to monthly like you have to give
Speaker 1: them like more time than someone who actually has an
Speaker 1: annual least that you're breaking. So one just figure out
Speaker 1: the law in your state if you haven't moved out,
Speaker 1: because you might not have to move out in Latin
Speaker 1: least until the foreclosure proceeding is fully concluded and that
Speaker 1: might take a while. So if you haven't moved yet,
Speaker 1: I wouldn't because he cannot forcibly remove you depending on
Speaker 1: what state that you live in if you have already
Speaker 1: kind of are like, you know, moving what I One
Speaker 1: of the places that I look for when I or
Speaker 1: that when I didn't have great credit and I was
Speaker 1: looking to rent. A great place to look, honestly is Craigflist,
Speaker 1: because you can a lot of Yes, you're not gonna
Speaker 1: likely get an apartment in like an apartment building, but
Speaker 1: oftentimes if you find another homeowner, they're willing to kind
Speaker 1: of work with the fact that you don't have the
Speaker 1: greatest credit. Because I didn't, so I used to be
Speaker 1: able to call the homeowner and once they meet me
Speaker 1: and they say, oh, she's a nice young lady. My
Speaker 1: credit's not that great, but I am able to you know,
Speaker 1: pay rent. Here's how let me show you, like, you know, like,
Speaker 1: if you paid this. I'm assuming you paid this other guy.
Speaker 1: I don't know if it was cash or or check
Speaker 1: or whatever. If you could bring your bake statements showing
Speaker 1: that every month it was paid, A person is more
Speaker 1: likely to say okay than than a rental office. So
Speaker 1: I would definitely look at Craigslist, looking at potentially running
Speaker 1: from another homeowner until you guys can figure out what
Speaker 1: to do. But those would be my two suggestions.
Speaker 2: Yeah, I went through this. I went through something similar
Speaker 2: when I moved to New York. I'm a little bit
Speaker 2: kind of similar. I didn't realize I had such bad
Speaker 2: credit because I was twenty two when I moved here,
Speaker 2: and I didn't realize during college because I never really
Speaker 2: used credit that someone opened up a credit card in
Speaker 2: my name and I had and hadn't paid it in
Speaker 2: like five years, and this is on my credit report,
Speaker 2: and I had no idea. So when I when I like,
Speaker 2: you know, brown eye, blue, what do you call it?
Speaker 2: Bright eyed and bushy tail, like, strolled up to this apartment,
Speaker 2: you know application and was denied I was like, what
Speaker 2: the heck is happening? How could you deny me? And
Speaker 2: I discovered this issue and I had to like dispute
Speaker 2: it on my credit report, and that can take like
Speaker 2: forty five to sixty days or something like that. So
Speaker 2: I ended up having to make an appeal to my landlord.
Speaker 2: And it was a private owner, like she was working
Speaker 2: with an attorney who was, you know, working on the
Speaker 2: contract or the least. But I went to her and
Speaker 2: I showed her a copy of the dispute. I showed
Speaker 2: her my bank statements, and I had a reference letter
Speaker 2: from a prior landlord that I gave her, and that
Speaker 2: was enough for her to say, Okay, I'm going to
Speaker 2: take a chance on you, you know I I you know,
Speaker 2: I kind of she kind of felt bad for me. So,
Speaker 2: I mean, the least this landlord, maybe you can at
Speaker 2: least get him to write your reference letter, you know, yeah,
Speaker 2: and write you know, they were always always on time
Speaker 2: with their rental payments, and you know, or prior landlord
Speaker 2: or anyone who can sort of vouch for your responsibility. Yeah,
Speaker 2: I think that. I So I agree with what you're saying,
Speaker 2: like trying to find another private owner, which is probably
Speaker 2: why they had a private owner in the first place, and.
Speaker 1: Lots of people go that round, so look for that
Speaker 1: private owner. You know what, I don't know if there's
Speaker 1: any schools or universities in your city or neighboring city,
Speaker 1: because here's why, because like, for example, New York, New Jersey,
Speaker 1: where I live, is a college town. There's like maybe
Speaker 1: like five or six colleges, and so they tend to
Speaker 1: be a little bit more laxed when it comes to
Speaker 1: renting because you know, students don't have the best credit.
Speaker 1: So it was easier for me when my credit was
Speaker 1: bad and I didn't have a whole lot of money
Speaker 1: to find more affordable housing and more flexible landlords in
Speaker 1: like a college town because it was like they were
Speaker 1: used to dealing with that type of renter, you see
Speaker 1: what I mean. So just like you know, so yeah,
Speaker 1: I would say that too. And like sometimes your local
Speaker 1: like I know, we have NJ dot Com. That's another
Speaker 1: place that a lot of private homeowners, So your local
Speaker 1: newspapers some like private homeowners will post there too. So
Speaker 1: if you're looking, because you're likely going to have to
Speaker 1: go with another private homeowner, but find out where they
Speaker 1: post and look there, Tracy.
Speaker 2: I know, Tracy, rebuild that credit man credits power.
Speaker 1: It is it is, are you now? Okay?
Speaker 2: I was going to say one last one, last resort,
Speaker 2: although it sounds like maybe their family isn't so helpful
Speaker 2: as they could potentially ask for someone to co sign Elise.
Speaker 2: Of course that puts that person at risk, but that's
Speaker 2: just that's another option. So Tracy, good luck, follow up
Speaker 2: with us. Let us know if you are able to
Speaker 2: find a place, let us know. And the rest of
Speaker 2: you guys leave us your questions at runimbition podcast dot
Speaker 2: com or send us an email at run Ambition Podcasts
Speaker 2: at gmail dot com.
Speaker 1: It's Winds as in when, well, we should call it
Speaker 1: Wednesday since we're on Wednesdays now, I'm here all night,
Speaker 1: ladies and gentlemen, did up dumb chain Wednesday?
Speaker 2: All right?
Speaker 1: So I've been excited. I have been aching to share
Speaker 1: this wins because I think it's so dope. So those
Speaker 1: of you you already have heard of travel Noir.
Speaker 2: Right, oh yeah, yep.
Speaker 1: And then most of us have heard of Blavity because
Speaker 1: we actually had working on the other one of the
Speaker 1: founders of Blavity, didn't we have working.
Speaker 2: On we've had both of them on right.
Speaker 1: No, we no, we didn't have Travel Noir. Her name
Speaker 1: is Zim. We've had no madness. We had a Vita.
Speaker 1: Oh yeah, I know, don't worry, it's you know. But
Speaker 1: so anyway, what's so dope is Blavity has purchased Travel Noir,
Speaker 1: which is like so awesome because Blavity is this I
Speaker 1: can't I don't even think you can call it a
Speaker 1: startup anymore, but it's this dope media center for black millennials.
Speaker 1: And Travenoir is a black millennial focused travel I don't
Speaker 1: even know if you could call it, like I guess
Speaker 1: it's a movement. But you know, they host trips, they
Speaker 1: have all these kind of educational sessions where they teach
Speaker 1: people how to travel and live abroad. And they have
Speaker 1: like a really robust social media component where you know,
Speaker 1: they post really beautiful pictures and so they've combined their
Speaker 1: their their powers and them. Who is the founder of Travenoir.
Speaker 1: She is still going to be obviously a major part.
Speaker 1: I think she's a chief brand officer. But yeah, but
Speaker 1: that's just so awesome that a Brown company purchased a
Speaker 1: Brown company.
Speaker 2: I was about to say, you never hear that it's right.
Speaker 1: That is Honestly, it blew my mind and it was
Speaker 1: on tech Crunch and I was like, how freaking awesome
Speaker 1: is that? So yeah, just kudos that. And you could
Speaker 1: just tell, like I like, if you follow her name
Speaker 1: is I think if you follow either Traven Noir on
Speaker 1: I believe on Instagram or maybe it was zim on Instagram,
Speaker 1: but if you follow her, you got to see like
Speaker 1: how the reception at the office and how excited she was.
Speaker 1: And it's just because it was clear that they bought
Speaker 1: them a out of a space of like respect and
Speaker 1: you know what I mean, it wasn't this like hostile takeover.
Speaker 1: You know that, like I get you, you get me,
Speaker 1: We're even better together. So I'm just excited about that.
Speaker 2: It seems like the perfect combination. Yeah, definitely, Well congrats, Yeah, congratt.
Speaker 1: It's awesome.
Speaker 2: Where absolutely my win is gonna be for the epic
Speaker 2: nap I'm about to take. Now that's a week. I mean,
Speaker 2: I'm just gonna I'm gonna do the obvious when that
Speaker 2: we haven't even a knowledge. Happy two year anniversary, Dode, you.
Speaker 1: Know what, two days it's our anniversary.
Speaker 2: Technically five days ago but that's great fun. I guess
Speaker 2: we're I guess we're getting too comfortable in our relationship.
Speaker 1: Now.
Speaker 2: We didn't plan anything, so.
Speaker 1: You know, we should plan something special. What should we do?
Speaker 2: Well, we're gonna have some new picks coming soon. We're
Speaker 2: gonna have a nice, little new fresh look.
Speaker 1: But I feel like we should still have a dinner
Speaker 1: or something like we did last time. You know, it'd
Speaker 1: be nice to see some folks.
Speaker 2: Yeah, I'd love to do their dinner. I mean, are
Speaker 2: we making the plan right now? Because I'm no, let's
Speaker 2: do that.
Speaker 1: Let's but we have to figure out a way. So,
Speaker 1: you know, we've got to figure out a way to
Speaker 1: to like invite folks like last time, and you know,
Speaker 1: something that they have to do in order to be
Speaker 1: qualified to have dinsin with Mindy Mindy. Oh my god,
Speaker 1: my bad. I was trying to like make it rhyme
Speaker 1: din din with Mandy and Tiffany. But then men, you
Speaker 1: know that kind of anyway, we should have dinner and
Speaker 1: we should force them to come to Jersey because now
Speaker 1: we're both Jersey girls.
Speaker 2: Oh that's true. Yeah, I can't believe it' spent two years.
Speaker 1: I know, we're all grown and stuff. You know, we're
Speaker 1: walking we come yo, this is the same episode. I
Speaker 1: feel like we haven't sung this month since the beginning.
Speaker 2: Well, you're welcome. It's a rare treat. We went right through.
Speaker 1: No, that's so awesome. I mean, like, you know, who
Speaker 1: would have dunke it that we would come this far?
Speaker 1: All you awesome listeners. You know, you guys get so
Speaker 1: much great feedback. You know. I love when, you know,
Speaker 1: I get like the little ding on Facebook Messenger, like hey,
Speaker 1: someone left you a message, and it's like, oh my god,
Speaker 1: I love you guys so much. And I'm like, really,
Speaker 1: because I was asking one of my staff members, YadA Leavese,
Speaker 1: hey girl, she was like, you know, she was telling
Speaker 1: me something that I said on the last podcast, and
Speaker 1: I'm like, I said that because I don't think you
Speaker 1: guys realize I'm actually friends with Mandy in real life.
Speaker 1: So sometimes we're just talking and then I'm like, wait,
Speaker 1: I said that. So that's what makes it so awesome
Speaker 1: because it's like, oh, I get to talk to my
Speaker 1: friend for a full hour and some change once a week,
Speaker 1: and so it's like you guys get to peek in
Speaker 1: to us chit chatting.
Speaker 2: I think that's why the show works.
Speaker 1: Yeah, yeah, so that's what's awesome. So yeah, so let's
Speaker 1: definitely have a dinner. Maybe next time we can, well,
Speaker 1: we'll have we'll work out the deeds about what that
Speaker 1: should be, like something small like last time, you know,
Speaker 1: like ten folks or something. It'll be on us.
Speaker 2: Yeah, there's Popo in Jersey, right.
Speaker 1: I know that was the list. Oh I'm vegan, now.
Speaker 2: Are you gonna okay, we're still vegan?
Speaker 1: All right, look I forgot, I'm like, wait, I'm vegan.
Speaker 1: Now we gotta find someplace that like, well, we can
Speaker 1: still do it as long as there's some because I
Speaker 1: could have plant in rice, so we can still do it.
Speaker 1: I would just have to make sure that, like, you know,
Speaker 1: there's enough yumminess that I could eat that doesn't you know,
Speaker 1: that doesn't involve meat or dairy.
Speaker 2: We'll work it out. Yay, two years, almost half a
Speaker 2: million downloads. Oh my good, big times.
Speaker 1: Yeah.
Speaker 2: Yeah, yeah, let's get to a million. I wanted if
Speaker 2: we did we did half a million in two years,
Speaker 2: Let's do a million in one year.
Speaker 1: That is, we can do it, so that means we
Speaker 1: need your help. We should do that at the end
Speaker 1: of every podcast, Guys, you need to share with one
Speaker 1: awesome listener potential listener how awesome we are and say
Speaker 1: did you have you listened to Brad Ambition. You need
Speaker 1: to Okay, I need you to post it on your
Speaker 1: social media. Tag us on Facebook, tweet it out, Instagram
Speaker 1: it just you know, share.
Speaker 2: It and leave us reviews. Never forget the reviews. They're
Speaker 2: super important. That's how we keep burning up the charts
Speaker 2: in the business and career sections. All your lovely reviews.
Speaker 2: So don't forget to leave a review if you haven't.
Speaker 2: If you're new to the show and you haven't yet,
Speaker 2: go do it. Much appreciated.
Speaker 1: Yes, oh this is awesome.