1 00:00:16,480 --> 00:00:21,560 Speaker 1: Hey, hey, hey, we're back. We're black, we're. 2 00:00:21,320 --> 00:00:24,320 Speaker 2: Brown, we harmonize. 3 00:00:26,760 --> 00:00:29,600 Speaker 1: Oh a little earlier today, Mandy, how you feel about it? 4 00:00:29,800 --> 00:00:32,680 Speaker 2: I mean, these midday recording sessions are a bit challenging, 5 00:00:32,720 --> 00:00:34,640 Speaker 2: I have to say, but I'm working with it. 6 00:00:36,120 --> 00:00:37,519 Speaker 1: Thank you for accommodating me. 7 00:00:38,360 --> 00:00:42,000 Speaker 3: Uh So, Unfortunately, you were talking a little earlier and 8 00:00:42,000 --> 00:00:45,320 Speaker 3: you were saying that we're still in this still in 9 00:00:45,360 --> 00:00:49,280 Speaker 3: the government shutdown, which I'm like, yikes, is there any 10 00:00:49,280 --> 00:00:51,159 Speaker 3: word on the street of there being, like, you know, 11 00:00:51,400 --> 00:00:52,320 Speaker 3: a slowdown to this. 12 00:00:53,320 --> 00:00:55,600 Speaker 2: We're officially in our what is it the fourth week? Now, 13 00:00:55,720 --> 00:00:59,720 Speaker 2: it's a record, a record long government shutdown. My husband, 14 00:00:59,760 --> 00:01:02,200 Speaker 2: I was talking to him. We've been through since I've 15 00:01:02,200 --> 00:01:03,840 Speaker 2: been with him for seven years. I think there's been 16 00:01:03,880 --> 00:01:06,040 Speaker 2: maybe two shutdowns that he's had to go through, but 17 00:01:06,200 --> 00:01:08,160 Speaker 2: none has lasted as long as this one. I mean 18 00:01:08,319 --> 00:01:10,440 Speaker 2: this past weekend he did not get paid at all. 19 00:01:11,000 --> 00:01:13,280 Speaker 2: I can safely say he has not been working over 20 00:01:13,319 --> 00:01:15,800 Speaker 2: time or trying to stay later than he absolutely needs to. 21 00:01:16,280 --> 00:01:19,120 Speaker 2: Because what's really sucky is like if you're deemed essential, 22 00:01:19,160 --> 00:01:21,080 Speaker 2: which means you still have to go into work, and 23 00:01:21,120 --> 00:01:24,160 Speaker 2: you're still not getting paid. Some people are furloughed, which 24 00:01:24,200 --> 00:01:25,440 Speaker 2: means you just don't have to go to work and 25 00:01:25,480 --> 00:01:29,319 Speaker 2: you're not getting paid. But hopefully what they'll do is 26 00:01:29,319 --> 00:01:32,319 Speaker 2: they'll repay, they'll like back pay people when the shutdown's 27 00:01:32,400 --> 00:01:36,319 Speaker 2: finally over. But it sucks because some people are I mean, yes, 28 00:01:36,360 --> 00:01:38,360 Speaker 2: no one's getting paid, and that's really really challenging for 29 00:01:38,400 --> 00:01:40,720 Speaker 2: some families who are living, you know, paycheck to paycheck. 30 00:01:41,319 --> 00:01:42,960 Speaker 2: But at least if you're not getting paid, don't have 31 00:01:42,959 --> 00:01:44,240 Speaker 2: to go to work. You know, he still has to 32 00:01:44,240 --> 00:01:44,800 Speaker 2: go to work. 33 00:01:45,240 --> 00:01:47,320 Speaker 3: Yeah, he's still to the expense of going to work, 34 00:01:47,360 --> 00:01:50,160 Speaker 3: whether it's the train or toll or gas or whatever. 35 00:01:50,440 --> 00:01:53,280 Speaker 2: Yep, it's like insult to injury. So I don't know 36 00:01:53,320 --> 00:01:56,240 Speaker 2: what the hell's happening. In Congress. You know, we had 37 00:01:56,240 --> 00:01:59,280 Speaker 2: some Republican representative whatever his name is, make a comment 38 00:01:59,320 --> 00:02:01,960 Speaker 2: about how he's not sure why white supremacy was ever 39 00:02:02,000 --> 00:02:03,160 Speaker 2: seemed like such a negative. 40 00:02:03,400 --> 00:02:10,120 Speaker 1: I saw that. Okay, Republican racism is so bad. It's bad. 41 00:02:10,360 --> 00:02:10,840 Speaker 1: I don't know. 42 00:02:11,600 --> 00:02:13,160 Speaker 2: Someone was like man, but wasn't it good to see 43 00:02:13,200 --> 00:02:16,280 Speaker 2: the Republicans, you know, immediately denounce him and try and 44 00:02:16,280 --> 00:02:18,480 Speaker 2: get him off these committees and ousd him and stuff 45 00:02:18,480 --> 00:02:20,760 Speaker 2: and I'm like cool, So they did the bare minimum. 46 00:02:20,960 --> 00:02:24,400 Speaker 2: You know, they had one good instinct, which is like, yes, 47 00:02:24,520 --> 00:02:27,720 Speaker 2: racism is bad. Pat on the back for that one. 48 00:02:28,240 --> 00:02:31,080 Speaker 2: You know realization. The bar is very low. 49 00:02:31,480 --> 00:02:33,079 Speaker 1: The bar is low. 50 00:02:33,400 --> 00:02:35,400 Speaker 3: Even like like I, you know, I thought the government 51 00:02:35,440 --> 00:02:38,959 Speaker 3: shutdown was not directly directly affecting me until I got 52 00:02:39,000 --> 00:02:42,640 Speaker 3: some letter for two of my businesses about filing a 53 00:02:42,680 --> 00:02:45,359 Speaker 3: specific type of like form. But we had already taken 54 00:02:45,400 --> 00:02:47,200 Speaker 3: care of it digitally, so we tried to call just 55 00:02:47,240 --> 00:02:50,000 Speaker 3: to be like, oh, just the FYI, this is done, 56 00:02:50,120 --> 00:02:52,680 Speaker 3: and it was like, oh wait, no one's there, Like 57 00:02:52,720 --> 00:02:53,600 Speaker 3: we could not get through. 58 00:02:54,160 --> 00:02:55,160 Speaker 1: There was no one to pick up. 59 00:02:55,280 --> 00:02:57,760 Speaker 3: So it was like wow, So if you have an IRS 60 00:02:58,240 --> 00:03:01,239 Speaker 3: question or you know, whatever it is for your business 61 00:03:01,280 --> 00:03:04,760 Speaker 3: or for yourself personally, you know there you might not 62 00:03:04,919 --> 00:03:06,600 Speaker 3: be able to you know, you might. 63 00:03:06,520 --> 00:03:07,480 Speaker 1: Have to just basically wait. 64 00:03:07,520 --> 00:03:10,200 Speaker 3: So we're just kind of waiting and it's just a 65 00:03:10,240 --> 00:03:13,320 Speaker 3: little questrating because you know, there's a fee attached if 66 00:03:13,360 --> 00:03:17,000 Speaker 3: you don't act within a timely manner according to the letter. 67 00:03:17,360 --> 00:03:19,080 Speaker 3: So it just makes me like a little worried, like 68 00:03:19,160 --> 00:03:19,960 Speaker 3: wait a minute, you know. 69 00:03:20,600 --> 00:03:22,880 Speaker 2: Yeah, one thing I'll say is we got some We 70 00:03:22,919 --> 00:03:24,680 Speaker 2: got some emails from the banks that we bank with, 71 00:03:24,760 --> 00:03:26,760 Speaker 2: and a lot of banks are being cool about, you know, 72 00:03:26,800 --> 00:03:29,000 Speaker 2: with the shutdown and saying like, if you're afraid you're 73 00:03:29,040 --> 00:03:30,840 Speaker 2: going to be laid on a payment, to call your bank. 74 00:03:31,280 --> 00:03:34,840 Speaker 2: And if you're having trouble making ends meet, credit unions, 75 00:03:34,840 --> 00:03:38,000 Speaker 2: a lot of financial institutions will issue or offer loans 76 00:03:38,080 --> 00:03:41,800 Speaker 2: potentially to people impacted by the furlough if you you know, 77 00:03:41,840 --> 00:03:44,520 Speaker 2: at a at a low rate, so it's it's one 78 00:03:44,560 --> 00:03:48,000 Speaker 2: possibility if you guys are struggling to make ends meet. 79 00:03:48,280 --> 00:03:50,600 Speaker 2: I'm thankful that we have our emergency fund, so we're 80 00:03:50,640 --> 00:03:52,880 Speaker 2: not you know, and we have a dual income household, 81 00:03:52,920 --> 00:03:56,000 Speaker 2: so we're not as stressed as some family. Is that 82 00:03:56,080 --> 00:03:59,760 Speaker 2: I feel really blessed to be in that position, But there. 83 00:03:59,640 --> 00:04:01,640 Speaker 3: Are people who are like I can't imagine being like 84 00:04:01,880 --> 00:04:04,280 Speaker 3: a single mom or single dad and being like, but 85 00:04:04,400 --> 00:04:06,720 Speaker 3: how am I going to buy things? You know, like 86 00:04:06,880 --> 00:04:10,400 Speaker 3: this is four weeks is that's two paychecks, and you 87 00:04:10,440 --> 00:04:13,480 Speaker 3: know most people don't couldn't miss one, let alone two. 88 00:04:13,600 --> 00:04:17,200 Speaker 3: So it's just very Yeah, I just I wonder what 89 00:04:17,320 --> 00:04:19,760 Speaker 3: the longest shutdown has ever been just in history. 90 00:04:19,480 --> 00:04:20,800 Speaker 1: Periods you know this. 91 00:04:21,240 --> 00:04:24,719 Speaker 2: No really, yeah, yeah, I'm pretty sure this is a 92 00:04:24,760 --> 00:04:28,400 Speaker 2: record government shutdown and it's not Government shutdowns aren't even 93 00:04:28,400 --> 00:04:29,960 Speaker 2: that common of a thing. I mean, they have been 94 00:04:29,960 --> 00:04:32,160 Speaker 2: in me being the last I don't know, Obama had 95 00:04:32,200 --> 00:04:34,839 Speaker 2: a couple, but before that, there hadn't really been any 96 00:04:34,880 --> 00:04:36,680 Speaker 2: since the seventies. I was looking at a list of 97 00:04:36,800 --> 00:04:39,560 Speaker 2: you know, historical government shutdowns, and no, it's not something 98 00:04:39,560 --> 00:04:41,120 Speaker 2: that happens all the time, and certainly not for this 99 00:04:41,240 --> 00:04:45,240 Speaker 2: long period of time, a full months. That's not common. 100 00:04:45,520 --> 00:04:48,799 Speaker 2: And meanwhile, we're playing a game of economic chicken over 101 00:04:49,680 --> 00:04:52,159 Speaker 2: a wall, which I have to say. I did listen 102 00:04:52,200 --> 00:04:55,280 Speaker 2: to a couple of podcasts where they interviewed law enforcement 103 00:04:55,320 --> 00:04:59,320 Speaker 2: from the border, and it was interesting to hear their perspective. 104 00:04:59,360 --> 00:05:01,000 Speaker 2: And it's really sad to me because there is so 105 00:05:01,120 --> 00:05:03,960 Speaker 2: much there is, like a valid concern over border security 106 00:05:04,040 --> 00:05:07,839 Speaker 2: and the humanitarian crisis at the border and families you know, 107 00:05:07,960 --> 00:05:10,320 Speaker 2: risking their lives to cross and being you know, doing 108 00:05:10,320 --> 00:05:12,919 Speaker 2: it really unsafely. There is so much that needs to 109 00:05:12,960 --> 00:05:15,920 Speaker 2: be done, and yet we're just kind of getting stuck 110 00:05:15,960 --> 00:05:19,480 Speaker 2: on this one conversation over a wall, and there's so 111 00:05:19,560 --> 00:05:22,000 Speaker 2: much more nuance to it than just that, and it's 112 00:05:22,080 --> 00:05:24,160 Speaker 2: just like, you know, it's not even about Trump anymore. 113 00:05:24,160 --> 00:05:25,760 Speaker 2: It's as much about Trump as I think, as it 114 00:05:25,839 --> 00:05:29,080 Speaker 2: is with just Congress people in general not being able 115 00:05:29,120 --> 00:05:34,040 Speaker 2: to you know, amend their differences and create some kind 116 00:05:34,040 --> 00:05:38,279 Speaker 2: of actual reform that will help people versus, you know, 117 00:05:38,320 --> 00:05:41,400 Speaker 2: getting stuck on this whole the wall symbol of the wall. 118 00:05:41,440 --> 00:05:41,640 Speaker 1: You know. 119 00:05:42,680 --> 00:05:45,880 Speaker 3: Yeah, it's like twenty nineteen is already starting like this 120 00:05:46,200 --> 00:05:48,040 Speaker 3: because one, I don't know if ever, I was reading 121 00:05:48,040 --> 00:05:50,640 Speaker 3: some article I forget what newspaper's saying that they feel 122 00:05:50,640 --> 00:05:55,560 Speaker 3: like Europe is already in a recession. Really oh yeah, 123 00:05:55,720 --> 00:05:57,800 Speaker 3: and I'm like, oh my gosh, out nineteen, can I 124 00:05:57,839 --> 00:05:59,800 Speaker 3: get my friends the door before you slam it? 125 00:06:01,279 --> 00:06:03,359 Speaker 2: I mean, there's still there's still good to be had. 126 00:06:03,560 --> 00:06:06,240 Speaker 2: I think that is, you know, hopefully a lot of 127 00:06:06,240 --> 00:06:09,760 Speaker 2: our listeners, if you work, you know, your typical nine 128 00:06:09,760 --> 00:06:13,599 Speaker 2: to five. This is performance review season. So this is 129 00:06:13,640 --> 00:06:16,760 Speaker 2: the time. I always say, don't wait till the performance 130 00:06:16,760 --> 00:06:19,719 Speaker 2: review to ask for that promotion or that raise. But 131 00:06:19,760 --> 00:06:22,360 Speaker 2: I'm curious to hear how people's performance reviews have been 132 00:06:22,400 --> 00:06:24,960 Speaker 2: and if they feel like they're beneficial. I'm about to 133 00:06:25,000 --> 00:06:28,960 Speaker 2: do my whole round of them next week, and I 134 00:06:29,040 --> 00:06:31,400 Speaker 2: always and if especially if you're like on the other side, 135 00:06:31,400 --> 00:06:33,400 Speaker 2: I don't know if you do performance reviews with the 136 00:06:33,400 --> 00:06:36,120 Speaker 2: budget needs to crew, But for me, we do weekly 137 00:06:36,240 --> 00:06:38,360 Speaker 2: check ins and I try to make sure that nothing 138 00:06:38,400 --> 00:06:41,520 Speaker 2: I say in that annual review is a surprise, and 139 00:06:41,560 --> 00:06:45,159 Speaker 2: as a manager, I would like the same in return, 140 00:06:45,360 --> 00:06:47,359 Speaker 2: Like you know, as long as we're being open and 141 00:06:47,400 --> 00:06:49,440 Speaker 2: candid during like the weekly one on ones, then the 142 00:06:49,440 --> 00:06:52,800 Speaker 2: performance review really shouldn't be a surprise or a shock 143 00:06:52,880 --> 00:06:55,600 Speaker 2: to anybody. So if I've been like meeting with you 144 00:06:55,640 --> 00:06:57,240 Speaker 2: once a week and then you wait until like the 145 00:06:57,320 --> 00:06:59,080 Speaker 2: day of the review to be like, oh yeah, I'd 146 00:06:59,120 --> 00:07:01,960 Speaker 2: love a promotion or I really have ambitions to do this, 147 00:07:02,080 --> 00:07:05,080 Speaker 2: or that, there's nothing wrong with it, but it's it's 148 00:07:05,120 --> 00:07:08,400 Speaker 2: not as guaranteed to like actually like you know happen 149 00:07:08,440 --> 00:07:11,560 Speaker 2: in some cases sometimes those things take You need some 150 00:07:11,920 --> 00:07:15,280 Speaker 2: more of an opportunity to plan or put the pieces 151 00:07:15,320 --> 00:07:16,440 Speaker 2: in place to get things going. 152 00:07:18,040 --> 00:07:19,080 Speaker 1: Yeah, I mean it is. 153 00:07:19,280 --> 00:07:21,560 Speaker 3: It's I mean I'm kind of thinking we don't we 154 00:07:21,640 --> 00:07:24,240 Speaker 3: do I guess some performance reviews, but not like in 155 00:07:24,280 --> 00:07:27,280 Speaker 3: a we still don't have like a like a super system. 156 00:07:27,320 --> 00:07:29,520 Speaker 3: That's something that we were working on at the end 157 00:07:29,520 --> 00:07:31,720 Speaker 3: of last year, like a place where things can be 158 00:07:31,840 --> 00:07:35,840 Speaker 3: held and like a specific maybe like performance review tool. 159 00:07:37,440 --> 00:07:39,880 Speaker 3: So we're still kind of flying by the seat of 160 00:07:39,880 --> 00:07:41,640 Speaker 3: our pants pants when it comes to that, like seems 161 00:07:41,680 --> 00:07:42,760 Speaker 3: like you're doing a good job. 162 00:07:42,680 --> 00:07:43,200 Speaker 1: Keep it up. 163 00:07:45,640 --> 00:07:47,400 Speaker 3: No, but we're getting there sometimes you don't, you know, 164 00:07:47,480 --> 00:07:50,160 Speaker 3: as we start to It's crazy when you like with 165 00:07:50,240 --> 00:07:53,360 Speaker 3: the business, as we get like bigger, we definitely move, 166 00:07:54,800 --> 00:07:56,840 Speaker 3: we make bigger moves, but it takes a little longer, 167 00:07:56,920 --> 00:07:59,680 Speaker 3: you know, yeah, because there's just people to consider. 168 00:08:00,040 --> 00:08:01,440 Speaker 1: So before it was literally like what do. 169 00:08:01,360 --> 00:08:05,240 Speaker 3: You think, Tiffany, Sure, Tiffany, okay, you know, and you pivot. 170 00:08:05,400 --> 00:08:08,600 Speaker 3: And then now it's like, okay, well if we make 171 00:08:08,680 --> 00:08:10,920 Speaker 3: that decision, what does that mean for the finance team 172 00:08:11,040 --> 00:08:13,280 Speaker 3: and what about the marketing team and will they have 173 00:08:13,360 --> 00:08:16,080 Speaker 3: the fun you know, so I can see how like 174 00:08:16,160 --> 00:08:19,440 Speaker 3: I can't even imagine like a huge corporation like a 175 00:08:19,480 --> 00:08:22,200 Speaker 3: Coca Cola or something, or like a Ford, you know, 176 00:08:22,360 --> 00:08:25,000 Speaker 3: like what it takes to turn that vehicle around, you. 177 00:08:24,920 --> 00:08:29,280 Speaker 1: Know, yeah, yeah, yes. 178 00:08:31,880 --> 00:08:36,559 Speaker 2: Let's do on the house front. 179 00:08:36,960 --> 00:08:38,600 Speaker 3: Well, you know what I did find a really good 180 00:08:39,480 --> 00:08:42,520 Speaker 3: cabinet person. So I was just looking for different like 181 00:08:43,080 --> 00:08:45,640 Speaker 3: cabinet people. And you know, the thing about cabinets is 182 00:08:46,200 --> 00:08:48,400 Speaker 3: is once people make a design for you, they don't 183 00:08:48,440 --> 00:08:49,959 Speaker 3: necessarily like to give it to you because they don't 184 00:08:49,960 --> 00:08:53,360 Speaker 3: want you to shop it around, you know really, So yeah, 185 00:08:53,440 --> 00:08:56,280 Speaker 3: well sometimes I mean like because if they give you 186 00:08:56,320 --> 00:08:58,000 Speaker 3: all the specs or whatever, you can literally take it 187 00:08:58,040 --> 00:09:00,640 Speaker 3: from person. I mean that that takes you know, maybe 188 00:09:00,679 --> 00:09:02,560 Speaker 3: like an hour or maybe not even maybe half an 189 00:09:02,600 --> 00:09:04,439 Speaker 3: hour to hour orn hour if not more for someone 190 00:09:04,480 --> 00:09:06,920 Speaker 3: to create and then you shop it around and then 191 00:09:07,040 --> 00:09:09,640 Speaker 3: someone else might end up getting the you know, getting 192 00:09:09,640 --> 00:09:11,000 Speaker 3: the payment for the work that. 193 00:09:10,840 --> 00:09:11,840 Speaker 1: That person has done. 194 00:09:12,800 --> 00:09:15,319 Speaker 3: So there was a little shopping around can be a 195 00:09:15,400 --> 00:09:17,559 Speaker 3: little bit difficult because you're wanting to remember the pair 196 00:09:17,640 --> 00:09:20,439 Speaker 3: compare apples to apples, but you know, the only way 197 00:09:20,480 --> 00:09:21,880 Speaker 3: to do that to be like, these are the same 198 00:09:21,880 --> 00:09:24,319 Speaker 3: specs over and over. But I found a good cabinet 199 00:09:24,320 --> 00:09:27,280 Speaker 3: person M and D. I think cabinets are something in 200 00:09:27,320 --> 00:09:32,800 Speaker 3: like Belleville Bloomfield. I really like him, Lou he was Yeah, 201 00:09:32,840 --> 00:09:35,880 Speaker 3: he was great, honestly he he What I liked about 202 00:09:35,960 --> 00:09:37,760 Speaker 3: him is you can sell so it's a family owned 203 00:09:37,760 --> 00:09:40,080 Speaker 3: business with which I liked. But what I liked is 204 00:09:40,080 --> 00:09:42,080 Speaker 3: that you can tell that he's been doing this like 205 00:09:42,200 --> 00:09:45,640 Speaker 3: thirty forty years, because like when I showed him the 206 00:09:45,760 --> 00:09:48,520 Speaker 3: drawings from other places that I had gone, he was 207 00:09:48,559 --> 00:09:50,360 Speaker 3: really like, oh, you know, they put this too close 208 00:09:50,360 --> 00:09:51,640 Speaker 3: to the wall. You don't realize it, but when you 209 00:09:51,679 --> 00:09:54,360 Speaker 3: open his door, it's going to hit this, you know. Oh, 210 00:09:54,480 --> 00:09:56,880 Speaker 3: you know, like just little nuances that people missed out on. 211 00:09:56,920 --> 00:09:58,800 Speaker 3: And so I got to see the rendering today and 212 00:09:58,840 --> 00:10:01,680 Speaker 3: it looked awesome. It looks honestly really because he also 213 00:10:01,720 --> 00:10:04,280 Speaker 3: came with his own kind of like design sensibility, So 214 00:10:04,760 --> 00:10:05,400 Speaker 3: I'm excited. 215 00:10:05,520 --> 00:10:06,320 Speaker 1: The tile for the. 216 00:10:06,320 --> 00:10:10,080 Speaker 3: Kitchen is picked out, the bathroom, all the bathrooms kind 217 00:10:10,080 --> 00:10:12,360 Speaker 3: of like tile and backsplash, all that stuff I picked out. 218 00:10:12,960 --> 00:10:16,280 Speaker 3: So now the only thing is is like ordering. The 219 00:10:16,320 --> 00:10:19,520 Speaker 3: hard part is with the cabinets is that they come 220 00:10:19,559 --> 00:10:22,720 Speaker 3: in fairly quickly, within like two weeks, but we're still 221 00:10:22,760 --> 00:10:25,040 Speaker 3: not ready. We're stay still haven't closed up the walls yet, 222 00:10:25,040 --> 00:10:26,760 Speaker 3: so it's like you can't where you put them, you know. 223 00:10:27,200 --> 00:10:31,839 Speaker 3: And apparently there's a there's a pending tariff coming that 224 00:10:32,160 --> 00:10:34,439 Speaker 3: I guess the President has threatened. So that way it flows, 225 00:10:34,520 --> 00:10:38,080 Speaker 3: that slows down how much foreign goods that we purchased, 226 00:10:38,160 --> 00:10:41,960 Speaker 3: and so that I have to be mindful because. 227 00:10:41,800 --> 00:10:43,880 Speaker 2: Where the cabinets come from. 228 00:10:44,000 --> 00:10:45,839 Speaker 3: Most cabinets come from China, they tell you. Even the 229 00:10:45,840 --> 00:10:48,920 Speaker 3: American ones they tell you usually they're put together in America, 230 00:10:49,240 --> 00:10:54,839 Speaker 3: but the components typically come from China. Interest yeah, and 231 00:10:54,960 --> 00:10:57,840 Speaker 3: so there are a few that are made in America, 232 00:10:57,920 --> 00:10:59,760 Speaker 3: but very few. Like like I said that, we saw 233 00:10:59,800 --> 00:11:02,960 Speaker 3: some hapbins that they posture as American cabinets, but really 234 00:11:03,000 --> 00:11:06,320 Speaker 3: they're like, girl, these they put them together here. So 235 00:11:06,679 --> 00:11:08,880 Speaker 3: potentially the TARFF could be as high as twenty percent, 236 00:11:09,720 --> 00:11:11,520 Speaker 3: and sou you know, Lou was like, just be my 237 00:11:11,880 --> 00:11:14,040 Speaker 3: I know. So you know, let's just say your cabinets 238 00:11:14,040 --> 00:11:17,080 Speaker 3: are going to be you know, ten thousand dollars. That's 239 00:11:17,120 --> 00:11:19,320 Speaker 3: another two thousand dollars on top of that. So he 240 00:11:19,480 --> 00:11:21,240 Speaker 3: was like, typically they get a heads up about a 241 00:11:21,240 --> 00:11:24,080 Speaker 3: week in advance, but he's been getting letters like faxes 242 00:11:24,120 --> 00:11:26,840 Speaker 3: every day saying like, you know, potential tariff is coming. 243 00:11:26,880 --> 00:11:29,040 Speaker 3: So he's like, I'll let you know and then I'll 244 00:11:29,080 --> 00:11:30,280 Speaker 3: just have to order them and put him in like 245 00:11:30,320 --> 00:11:31,640 Speaker 3: storage or something, because I don't want to spen an 246 00:11:31,640 --> 00:11:32,839 Speaker 3: extra two thousand dollars you. 247 00:11:32,760 --> 00:11:37,040 Speaker 2: Know, yeah, nope, buano. Or if someone I was sharing 248 00:11:37,080 --> 00:11:39,600 Speaker 2: my Instagram, my Instagram story, I was sharing like pictures 249 00:11:39,600 --> 00:11:41,720 Speaker 2: of the reno and like what the before and the 250 00:11:41,760 --> 00:11:43,520 Speaker 2: after my kitchen and everything like that, and one of 251 00:11:43,600 --> 00:11:45,680 Speaker 2: the I think when of our listeners asked, you know, 252 00:11:45,720 --> 00:11:47,480 Speaker 2: how much of the kitchen actually costs, it's kind of 253 00:11:47,520 --> 00:11:49,280 Speaker 2: hard for me to like say how much the kitchen 254 00:11:49,280 --> 00:11:51,559 Speaker 2: costs because so much of it was it's all wrapped 255 00:11:51,600 --> 00:11:53,440 Speaker 2: up into the total rhino cost because we did the 256 00:11:53,440 --> 00:11:57,600 Speaker 2: whole ground floor, but my countertops alone were countertops and 257 00:11:57,640 --> 00:12:01,920 Speaker 2: cabinets alone. Do the math real quick for nine at 258 00:12:02,000 --> 00:12:04,600 Speaker 2: least like eleven to twelve thousand dollars just for that 259 00:12:05,559 --> 00:12:09,480 Speaker 2: by itself. So that gives you a sense if you're 260 00:12:09,480 --> 00:12:12,520 Speaker 2: listening of the cost. And that's just new cabinetry. I 261 00:12:12,520 --> 00:12:15,839 Speaker 2: think the hardware for the cabinets, which we got from 262 00:12:16,000 --> 00:12:19,680 Speaker 2: build dot com, that was like another five hundred bucks. 263 00:12:20,240 --> 00:12:21,600 Speaker 2: And then the appliance is if you have to get 264 00:12:21,600 --> 00:12:23,640 Speaker 2: all new appliances, that adds to it as well. But 265 00:12:23,800 --> 00:12:25,560 Speaker 2: let me tell you, my husband just got back to 266 00:12:25,600 --> 00:12:28,360 Speaker 2: me with an update. I've given a boost to the 267 00:12:28,400 --> 00:12:31,559 Speaker 2: City Price Rewind program before. And he just was g 268 00:12:31,679 --> 00:12:34,120 Speaker 2: chatting me earlier letting me know that the fridge that 269 00:12:34,160 --> 00:12:36,400 Speaker 2: we bought went down in price by two hundred and 270 00:12:36,400 --> 00:12:38,680 Speaker 2: eighty eight dollars and they just sent him the refund. 271 00:12:39,120 --> 00:12:41,040 Speaker 1: Wait wait, wait, wait, wait, So what tell me about 272 00:12:41,040 --> 00:12:43,600 Speaker 1: the thing again? I've told you, I know, but you 273 00:12:43,600 --> 00:12:44,839 Speaker 1: know I've got the memory of for eighty year old. 274 00:12:44,840 --> 00:12:46,400 Speaker 1: It doesn't have the first time. See, you got to 275 00:12:46,440 --> 00:12:46,920 Speaker 1: take notes. 276 00:12:48,360 --> 00:12:50,000 Speaker 2: It's called the City. So if you get a City 277 00:12:50,200 --> 00:12:53,200 Speaker 2: I had the City Double Cash Card and it comes 278 00:12:53,280 --> 00:12:56,000 Speaker 2: with access to the City Price Rewind program. And I 279 00:12:56,240 --> 00:12:58,360 Speaker 2: don't know if it's the only card, the only city 280 00:12:58,400 --> 00:13:00,840 Speaker 2: card that offers it, but it certainly does. And what 281 00:13:00,880 --> 00:13:03,360 Speaker 2: happens if you make the purchase with your City card, 282 00:13:03,440 --> 00:13:05,760 Speaker 2: which offers you one percent cash back on the purchase 283 00:13:05,800 --> 00:13:07,800 Speaker 2: and then one percent cash back when you pay off 284 00:13:07,840 --> 00:13:11,600 Speaker 2: the card. On top of that, if the price of 285 00:13:11,640 --> 00:13:14,040 Speaker 2: that item that you purchase with the card goes down. 286 00:13:14,240 --> 00:13:16,600 Speaker 2: I don't know what the I forget what the timeframe is. 287 00:13:17,600 --> 00:13:20,400 Speaker 2: Then if you tell them or they may find it themselves. Actually, 288 00:13:20,679 --> 00:13:22,319 Speaker 2: like sometimes we'll get an email just saying, hey, the 289 00:13:22,360 --> 00:13:24,520 Speaker 2: price dropped on this, We're going to give you a refund. 290 00:13:25,240 --> 00:13:27,280 Speaker 2: But if you see that a price drops and you 291 00:13:27,320 --> 00:13:30,360 Speaker 2: alert them, then they will refund you as long as 292 00:13:30,400 --> 00:13:33,640 Speaker 2: it's within the terms and conditions of And I'm telling 293 00:13:33,679 --> 00:13:36,880 Speaker 2: you we've saved hundreds of dollars, like no joke purchasing 294 00:13:36,960 --> 00:13:37,720 Speaker 2: our appliances on. 295 00:13:38,559 --> 00:13:40,920 Speaker 1: I do remember now now that my flash back. I'm like, oh, yeah, 296 00:13:40,960 --> 00:13:42,400 Speaker 1: you said that like three times. Yeah. 297 00:13:42,400 --> 00:13:45,880 Speaker 2: Man, it's legit, especially if you're buying like appliances this January. Now, 298 00:13:45,880 --> 00:13:49,320 Speaker 2: we purchase our appliances like in November, December and the 299 00:13:49,440 --> 00:13:52,560 Speaker 2: end of the years when they start discounting last year's 300 00:13:52,559 --> 00:13:55,040 Speaker 2: models and rolling out the new stuff. So I think 301 00:13:55,040 --> 00:13:57,080 Speaker 2: that's why we're seeing the stuff that we purchase drop 302 00:13:57,080 --> 00:13:59,920 Speaker 2: in price now. So there's no such thing as boy 303 00:14:00,160 --> 00:14:02,440 Speaker 2: is remorse as far as the appliances thing. 304 00:14:03,480 --> 00:14:05,280 Speaker 3: No, when you went with the Pliente, did you guys 305 00:14:05,280 --> 00:14:07,560 Speaker 3: get the clients is from the same like manufacturer, like 306 00:14:07,640 --> 00:14:08,760 Speaker 3: all LG or whatever. 307 00:14:09,000 --> 00:14:12,480 Speaker 2: Lord. Yeah, my husband was like became really obsessed. I'm like, listen, 308 00:14:12,679 --> 00:14:17,120 Speaker 2: our entire like the entire house sings now, the dishwasher sings, 309 00:14:17,200 --> 00:14:21,560 Speaker 2: the oven freaking sings, the microwave sings, the laundry machine sings. 310 00:14:21,680 --> 00:14:23,720 Speaker 2: We it's all just like do do doo doo doo 311 00:14:23,760 --> 00:14:27,800 Speaker 2: doo doo whenever, everything when it's preheated, when the cycle's over. 312 00:14:27,840 --> 00:14:29,320 Speaker 2: And not only that, but he's got it set up 313 00:14:29,360 --> 00:14:32,320 Speaker 2: to text him because everything's wi fi ing. Don't ask 314 00:14:32,360 --> 00:14:34,400 Speaker 2: me why so what I let me tell you. I 315 00:14:34,440 --> 00:14:36,720 Speaker 2: was like cooking dinner, doing laundry, and I don't know, 316 00:14:36,760 --> 00:14:38,760 Speaker 2: I used the microwave, the dishwasher or something, and at 317 00:14:38,760 --> 00:14:41,760 Speaker 2: one moment, like everything was beeping and d and jingling, 318 00:14:41,880 --> 00:14:43,720 Speaker 2: and his phone was going off, and I was like, 319 00:14:43,880 --> 00:14:47,360 Speaker 2: this is freaking insane. Our place is not this big. 320 00:14:47,400 --> 00:14:50,760 Speaker 2: We're never not gonna hear when some things is done. 321 00:14:51,360 --> 00:14:53,960 Speaker 2: And he's like, it's fun. It's he just loves his gadgets. 322 00:14:54,000 --> 00:14:56,320 Speaker 1: But you know, no, that's awesome though. 323 00:14:56,400 --> 00:14:59,200 Speaker 3: Yeah, we're gonna I just can't wait to get you know, 324 00:14:59,280 --> 00:15:01,840 Speaker 3: when you get over the when you start closing up walls, 325 00:15:01,840 --> 00:15:03,120 Speaker 3: and I'm just like, I just can't wait till we 326 00:15:03,160 --> 00:15:03,760 Speaker 3: get over the hump. 327 00:15:04,000 --> 00:15:05,560 Speaker 2: You'll be there soon, You'll be there soon. 328 00:15:05,680 --> 00:15:07,640 Speaker 3: Yes, I think I'll get another week or two because 329 00:15:07,640 --> 00:15:10,200 Speaker 3: all the electricals done except for the HVAC and. 330 00:15:10,160 --> 00:15:11,520 Speaker 1: Then all the plumbing is done. 331 00:15:11,640 --> 00:15:14,480 Speaker 3: So I really I feel like we have another week 332 00:15:14,560 --> 00:15:17,600 Speaker 3: at the most of like of the HVAC and then 333 00:15:17,640 --> 00:15:19,240 Speaker 3: we start closing up walls and that's when you start 334 00:15:19,280 --> 00:15:20,720 Speaker 3: really rocking and rollway. Yeah. 335 00:15:20,800 --> 00:15:21,760 Speaker 2: Man, it's exciting. 336 00:15:22,520 --> 00:15:42,000 Speaker 3: Yes, So are you good with your buzz anything else 337 00:15:42,040 --> 00:15:45,840 Speaker 3: you're buzzing about? I'm all buzzed out, all right, So 338 00:15:46,120 --> 00:15:49,680 Speaker 3: let's go for couestionon. We're gonna do something special today. 339 00:15:49,680 --> 00:15:52,320 Speaker 3: I'm excited and we haven't done this before. But if 340 00:15:52,360 --> 00:15:55,440 Speaker 3: you are Agurine Catcher, you know that I have a 341 00:15:55,480 --> 00:15:58,640 Speaker 3: DreamCatcher Facebook group. It's about three hundred and fifty or 342 00:15:58,640 --> 00:16:01,040 Speaker 3: sixty thousand women. We're actually to pull some questions from 343 00:16:01,040 --> 00:16:05,240 Speaker 3: the DreamCatcher group. I will keep your name anonymous since 344 00:16:05,280 --> 00:16:10,040 Speaker 3: you didn't consent publicly. So first question come to well, 345 00:16:10,040 --> 00:16:16,160 Speaker 3: I'll just use a fake name. Comes from Maria. Maria says, 346 00:16:16,320 --> 00:16:19,640 Speaker 3: my husband and I are thinking about consolidating our debt. 347 00:16:19,840 --> 00:16:22,480 Speaker 3: It's about seven thousand hours and this would include all 348 00:16:22,520 --> 00:16:25,400 Speaker 3: of our debts, loans, credit cards, all that. 349 00:16:25,440 --> 00:16:27,960 Speaker 1: Kind of stuff. Do you think that's a good idea 350 00:16:28,000 --> 00:16:29,120 Speaker 1: to consolidate our debt? 351 00:16:30,800 --> 00:16:33,160 Speaker 2: Oh, I mean, I think consolidating debt, especially if you 352 00:16:33,160 --> 00:16:36,480 Speaker 2: can save money on interest, is an amazing idea, and 353 00:16:36,520 --> 00:16:39,200 Speaker 2: I don't think people do it often enough. Yeah, I 354 00:16:39,200 --> 00:16:42,400 Speaker 2: love the idea of debt consolidation. It's also a way 355 00:16:42,440 --> 00:16:45,160 Speaker 2: to like if you, for example, you're struggling to afford 356 00:16:45,200 --> 00:16:47,480 Speaker 2: your monthly payments on a loan or something like that, 357 00:16:48,320 --> 00:16:50,400 Speaker 2: if you take out a new loan and use that 358 00:16:50,480 --> 00:16:53,400 Speaker 2: loan to pay off your existing loan, the new loan 359 00:16:53,440 --> 00:16:56,280 Speaker 2: may have terms that are better suited to your needs, 360 00:16:56,280 --> 00:16:59,360 Speaker 2: like they may have lower payment which you can achieve 361 00:16:59,400 --> 00:17:02,560 Speaker 2: by maybe get a longer term loan. That's one reason 362 00:17:02,560 --> 00:17:06,000 Speaker 2: people consolidate their debt. Just understand that when you extend 363 00:17:06,080 --> 00:17:07,840 Speaker 2: the time the term of the loan, which means you 364 00:17:07,840 --> 00:17:10,520 Speaker 2: pay it off for longer, even if you're saving money, 365 00:17:10,520 --> 00:17:13,119 Speaker 2: it feels like monthly because your payments are lower, you 366 00:17:13,200 --> 00:17:16,720 Speaker 2: are adding to your interest costs, right because you're you know, 367 00:17:16,800 --> 00:17:18,840 Speaker 2: dragging on the debt for longer. So if you do that, 368 00:17:19,000 --> 00:17:21,359 Speaker 2: just keep that in mind, and you know, once things, 369 00:17:21,480 --> 00:17:24,199 Speaker 2: hopefully the financial picture gets a little bit better and 370 00:17:24,240 --> 00:17:26,520 Speaker 2: you can start making bigger payments than the minimum and 371 00:17:27,160 --> 00:17:30,240 Speaker 2: you know, not end up paying way more down the line. 372 00:17:30,880 --> 00:17:32,639 Speaker 1: I'm also I know, go ahead. 373 00:17:32,880 --> 00:17:37,280 Speaker 2: I was also going to shout out to balance get 374 00:17:37,320 --> 00:17:38,880 Speaker 2: so excited about balance transfers. 375 00:17:38,920 --> 00:17:41,960 Speaker 1: Tip no, gokay, go ahead for that. 376 00:17:42,160 --> 00:17:45,399 Speaker 2: Balance transferred out. So credit card consolidation balance transfer offers 377 00:17:45,400 --> 00:17:47,800 Speaker 2: are really awesome, especially if you have good credit. You 378 00:17:47,840 --> 00:17:50,320 Speaker 2: tend to need to have you know, high six hundreds, 379 00:17:50,359 --> 00:17:52,960 Speaker 2: low seven hundreds minimum to get approved for good zero 380 00:17:53,000 --> 00:17:57,280 Speaker 2: percent interest intro offer on a balance transfer card. But 381 00:17:57,440 --> 00:17:59,959 Speaker 2: let's say you know, you spend money on one car 382 00:18:00,000 --> 00:18:03,320 Speaker 2: credit card and you know you're struggling to make the 383 00:18:03,320 --> 00:18:05,159 Speaker 2: payments on time, but you know you can do it 384 00:18:05,200 --> 00:18:06,959 Speaker 2: in a few months, or you know, maybe it'll take 385 00:18:06,960 --> 00:18:09,280 Speaker 2: you even longer than that. A balance transfer, if you 386 00:18:09,520 --> 00:18:11,760 Speaker 2: get approved, you can transfer money to a new card 387 00:18:12,119 --> 00:18:15,479 Speaker 2: and then enjoy a zero percent interest rate for however 388 00:18:15,520 --> 00:18:18,280 Speaker 2: long the term says. And then let's say you get 389 00:18:18,280 --> 00:18:19,639 Speaker 2: to the end of that term and you still have 390 00:18:19,680 --> 00:18:22,919 Speaker 2: some leftover, if your credit is still good, then you 391 00:18:23,000 --> 00:18:25,560 Speaker 2: kind of apply for another balance transfer and you know, 392 00:18:25,680 --> 00:18:28,920 Speaker 2: keep it moving. That's just one way to get around 393 00:18:28,960 --> 00:18:29,560 Speaker 2: interest fees. 394 00:18:30,160 --> 00:18:32,159 Speaker 3: Yeah, I remember I did that when I That was 395 00:18:32,240 --> 00:18:34,560 Speaker 3: one thing like when I was going through like my 396 00:18:34,600 --> 00:18:38,360 Speaker 3: financial struggle before I knew this is like I knew 397 00:18:38,400 --> 00:18:40,879 Speaker 3: I was going to miss my mortgage payment, and this 398 00:18:41,000 --> 00:18:44,600 Speaker 3: is like post recession or during the recession and before 399 00:18:45,240 --> 00:18:47,639 Speaker 3: that hit and drag my score down. Is that a 400 00:18:47,640 --> 00:18:50,280 Speaker 3: really great score. I went ahead and opened up you 401 00:18:50,320 --> 00:18:53,159 Speaker 3: know about I think one, maybe even two balance transfer 402 00:18:53,200 --> 00:18:56,680 Speaker 3: cards because I had some high, high credit card balances, 403 00:18:56,720 --> 00:18:58,399 Speaker 3: and that saved me because I think one of my 404 00:18:58,440 --> 00:19:01,200 Speaker 3: credit card balances was maybe it was a combined of 405 00:19:01,240 --> 00:19:05,199 Speaker 3: like thirty thousand dollars and that like the interest what 406 00:19:05,240 --> 00:19:07,000 Speaker 3: I would have paid on that thirty thousand dollars would 407 00:19:07,000 --> 00:19:08,360 Speaker 3: have been, I don't know that I could have paid 408 00:19:08,400 --> 00:19:10,439 Speaker 3: it off, but it gave me because my balance was 409 00:19:10,520 --> 00:19:12,760 Speaker 3: my credit was so good at the time because I 410 00:19:12,800 --> 00:19:15,560 Speaker 3: had not this my mortgage payment yet I think it 411 00:19:15,600 --> 00:19:17,800 Speaker 3: gave me like a year and some change for a 412 00:19:17,880 --> 00:19:20,000 Speaker 3: zero percent interest, so I was able to actually just 413 00:19:20,040 --> 00:19:21,840 Speaker 3: pay on the thirty like as well as it was, 414 00:19:21,880 --> 00:19:25,760 Speaker 3: and so that that, you know, it gave me a 415 00:19:25,880 --> 00:19:28,280 Speaker 3: significant like running head start. 416 00:19:28,359 --> 00:19:29,399 Speaker 1: So that's always a good idea. 417 00:19:29,520 --> 00:19:31,119 Speaker 3: It's crazycause I know, you know, you hear like the 418 00:19:31,200 --> 00:19:33,199 Speaker 3: Dave Ramsey's of the world that tell you like, so 419 00:19:33,200 --> 00:19:34,639 Speaker 3: you're going to get into more debt to get rid 420 00:19:34,640 --> 00:19:36,280 Speaker 3: of your debt, like and they tell you, don't. 421 00:19:36,040 --> 00:19:36,840 Speaker 1: Do it, don't do it. 422 00:19:38,080 --> 00:19:41,960 Speaker 3: And I can understand in idealistic theory, like you know, 423 00:19:42,160 --> 00:19:44,479 Speaker 3: like you know, taking on debt to get out of debt. 424 00:19:44,680 --> 00:19:46,320 Speaker 1: But sometimes you you know, it's like you have to 425 00:19:46,320 --> 00:19:47,080 Speaker 1: do what you have to do. 426 00:19:47,280 --> 00:19:51,080 Speaker 2: You know, Yeah, I understand, because what happens is sometimes 427 00:19:51,119 --> 00:19:52,760 Speaker 2: you'll pay off. So let's say you take out a 428 00:19:52,800 --> 00:19:54,600 Speaker 2: loan and you pay off like three credit cards on 429 00:19:54,640 --> 00:19:57,680 Speaker 2: your auto loan or whatever, and then you have three 430 00:19:57,800 --> 00:20:00,000 Speaker 2: you have those four payments which are no longer stressed 431 00:20:00,160 --> 00:20:02,280 Speaker 2: you out, and you have one payment now, and you 432 00:20:02,320 --> 00:20:04,440 Speaker 2: may feel like, oh, you know, I'm debt free now, 433 00:20:04,960 --> 00:20:06,600 Speaker 2: I'm more relaxed. I can go to the mall, or 434 00:20:06,640 --> 00:20:08,439 Speaker 2: I could spend money on lunch today or whatever. But 435 00:20:08,480 --> 00:20:10,320 Speaker 2: you're really not debt free. You have to, like mentally 436 00:20:10,320 --> 00:20:12,399 Speaker 2: remind yourself the debt has not gone anywhere. 437 00:20:12,400 --> 00:20:13,160 Speaker 1: It still exists. 438 00:20:13,160 --> 00:20:17,480 Speaker 2: It's just more simple for you to manage. So mentally 439 00:20:17,520 --> 00:20:20,840 Speaker 2: you have to just shift that mindset so that you're 440 00:20:20,880 --> 00:20:23,040 Speaker 2: not feeling like you're debt free, because you definitely aren't. 441 00:20:23,640 --> 00:20:25,119 Speaker 3: Yes, and you don't want to all of a sudden 442 00:20:25,160 --> 00:20:26,879 Speaker 3: have one card you paid off and another card you 443 00:20:26,920 --> 00:20:29,360 Speaker 3: transferred it to, and then start using that card. 444 00:20:29,440 --> 00:20:31,280 Speaker 1: Now you have two cards with high balances. 445 00:20:31,320 --> 00:20:38,119 Speaker 3: So you know, yeah, Okay, next up, we've got let's 446 00:20:38,240 --> 00:20:44,399 Speaker 3: call her Cynthia. So Cynthia says, I am looking to 447 00:20:44,440 --> 00:20:47,639 Speaker 3: sell my home. Has anyone negotiated commission fees for the 448 00:20:47,680 --> 00:20:50,399 Speaker 3: listing with them? I guess, with the listing agent? And 449 00:20:50,440 --> 00:20:52,040 Speaker 3: if so, how much did you save? 450 00:20:52,240 --> 00:20:53,320 Speaker 1: Oh? I read this wrong. 451 00:20:53,480 --> 00:20:56,960 Speaker 3: So I was telling you earlier, Mandy that I have 452 00:20:57,080 --> 00:21:02,600 Speaker 3: negotiated commission fees. But honestly, I negotiated commission fees with 453 00:21:02,640 --> 00:21:06,119 Speaker 3: the I was. I was a buyer with the buying agent. 454 00:21:06,119 --> 00:21:07,800 Speaker 3: I didn't realize I didn't see the listening. But I've 455 00:21:07,800 --> 00:21:10,080 Speaker 3: definitely heard because a couple of my friends are realtors. 456 00:21:11,200 --> 00:21:13,440 Speaker 3: So you can always negotiate, I mean, you can always ask. 457 00:21:13,560 --> 00:21:16,919 Speaker 3: It depends on what kind of market it is, you know, 458 00:21:17,080 --> 00:21:19,240 Speaker 3: if if there's not a lot of buyers and not 459 00:21:19,320 --> 00:21:21,760 Speaker 3: a lot of sellers, and people are kind of like, look, 460 00:21:21,800 --> 00:21:24,439 Speaker 3: I you know, I you know, if someone has like, 461 00:21:24,560 --> 00:21:27,119 Speaker 3: you know, a hundred different homes, they might be like, no, 462 00:21:27,200 --> 00:21:28,080 Speaker 3: I really don't have to. 463 00:21:28,359 --> 00:21:30,760 Speaker 1: It really depends on the market that you're in. And 464 00:21:31,000 --> 00:21:33,359 Speaker 1: honestly too, like how well you know the agent. 465 00:21:33,560 --> 00:21:36,800 Speaker 3: Oftentimes agents that you know that you're cool with, Like 466 00:21:36,920 --> 00:21:40,560 Speaker 3: my my seller's agent, she knew me and knew what 467 00:21:40,600 --> 00:21:44,000 Speaker 3: I did, and she cut her commission down in exchange 468 00:21:44,040 --> 00:21:47,000 Speaker 3: for one on one budgeting session, you know. 469 00:21:48,440 --> 00:21:51,760 Speaker 2: And so in my experience, like my real so example, 470 00:21:51,800 --> 00:21:53,879 Speaker 2: the agent that we used when we bought our house, 471 00:21:54,680 --> 00:21:58,040 Speaker 2: the seller paid his commission, not us. So typically, like 472 00:21:58,080 --> 00:22:00,240 Speaker 2: if you're the seller, you have to pay your own 473 00:22:00,280 --> 00:22:03,639 Speaker 2: agent's fees plus the buyer's agent's fees. And in that 474 00:22:03,680 --> 00:22:06,760 Speaker 2: case sometimes you can negotiate with either your agent or 475 00:22:06,800 --> 00:22:09,600 Speaker 2: maybe the seller's agent to try and decrease the cost. 476 00:22:09,400 --> 00:22:10,040 Speaker 1: Of those fees. 477 00:22:11,119 --> 00:22:14,080 Speaker 3: So yes, So for me, because I bought my house 478 00:22:14,720 --> 00:22:18,960 Speaker 3: the through or foreclosure, there was no the she was 479 00:22:18,960 --> 00:22:20,119 Speaker 3: getting her feed directly for me. 480 00:22:20,160 --> 00:22:22,040 Speaker 1: So it was a unique situation, gotcha, you know. 481 00:22:22,400 --> 00:22:25,040 Speaker 3: So her name is Amena, and so it was like 482 00:22:25,119 --> 00:22:26,840 Speaker 3: I was gonna have to pay her the three percent, 483 00:22:27,040 --> 00:22:31,880 Speaker 3: you know, just out of pocket basically because the site 484 00:22:31,880 --> 00:22:33,480 Speaker 3: that we use real Ty bids, it was just the 485 00:22:33,480 --> 00:22:35,520 Speaker 3: bidding site, so they're not gonna pay her anything. So 486 00:22:35,600 --> 00:22:37,840 Speaker 3: but in exchange, like I said, matter of fact, I mean, 487 00:22:37,920 --> 00:22:40,639 Speaker 3: I owe you your own session. But that was what 488 00:22:40,680 --> 00:22:43,920 Speaker 3: we that was what we negotiated, and I was like, okay, 489 00:22:43,960 --> 00:22:45,679 Speaker 3: that's fine. And so you know, I say, it's some money, 490 00:22:45,720 --> 00:22:48,639 Speaker 3: and and then you know, I get to do a session, 491 00:22:48,680 --> 00:22:50,960 Speaker 3: which I like doing anyway. But to me, you know, 492 00:22:51,000 --> 00:22:53,560 Speaker 3: it's not even just about bartering some that's just about asking. 493 00:22:53,600 --> 00:22:56,480 Speaker 3: And if it's the right environment for that kind of negotiation, 494 00:22:56,560 --> 00:22:57,800 Speaker 3: then it doesn't hurt. 495 00:22:57,600 --> 00:22:59,960 Speaker 2: To ask, you know, yeah, one hundred percent. 496 00:23:01,119 --> 00:23:02,120 Speaker 1: You want to take one more? 497 00:23:02,680 --> 00:23:03,080 Speaker 2: Sure? 498 00:23:03,760 --> 00:23:04,120 Speaker 1: All right? 499 00:23:04,160 --> 00:23:10,160 Speaker 3: This one is from Tanetta. I'm the worst of covering 500 00:23:10,160 --> 00:23:12,920 Speaker 3: gods name. Hey, that's what Taneda said. So I got 501 00:23:12,920 --> 00:23:15,960 Speaker 3: my first credit card from Navy Federal. The limit is 502 00:23:16,080 --> 00:23:19,479 Speaker 3: two hundred dollars because it's a secured card. I use 503 00:23:19,760 --> 00:23:22,240 Speaker 3: twenty dollars of it. But am I supposed to pay 504 00:23:22,240 --> 00:23:24,240 Speaker 3: it back when I get the bill? Or can I 505 00:23:24,280 --> 00:23:30,960 Speaker 3: pay it now? I'm trying to rebuild my credit so tonight, 506 00:23:31,000 --> 00:23:33,439 Speaker 3: and first of all, congratulations, because that's good that you 507 00:23:33,480 --> 00:23:35,919 Speaker 3: know you're clearly trying to raise your credit score and 508 00:23:35,960 --> 00:23:37,600 Speaker 3: a secured card, do you want to maybe explain what 509 00:23:37,600 --> 00:23:39,440 Speaker 3: a secured card is, just in case folks are new. 510 00:23:40,040 --> 00:23:43,119 Speaker 2: Oh yeah, I'm then listen to the show. Apparently, secured 511 00:23:43,200 --> 00:23:47,400 Speaker 2: cards are different than an unsecured credit cards. When unsecured 512 00:23:47,400 --> 00:23:49,439 Speaker 2: credit card is when you apply for a credit card online, 513 00:23:49,480 --> 00:23:51,399 Speaker 2: you give the lender nothing in return except for your 514 00:23:51,440 --> 00:23:53,920 Speaker 2: good credit score, and you get approved and they issue 515 00:23:54,000 --> 00:23:57,120 Speaker 2: a line of credit. Secured card works the opposite way. 516 00:23:57,680 --> 00:24:01,000 Speaker 2: You actually give the bank money to hold and typically 517 00:24:01,080 --> 00:24:04,080 Speaker 2: a CD account, and now that they've got your money 518 00:24:04,080 --> 00:24:06,359 Speaker 2: held up, they will issue you a line of credit 519 00:24:06,440 --> 00:24:08,840 Speaker 2: for around the same amount, maybe a little bit more. 520 00:24:09,119 --> 00:24:11,919 Speaker 2: And what you'll do is you'll pay a monthly payment 521 00:24:11,960 --> 00:24:15,000 Speaker 2: against that account for twelve months or however long it is. 522 00:24:15,400 --> 00:24:17,119 Speaker 2: And after that time, as long as you've made on 523 00:24:17,160 --> 00:24:20,240 Speaker 2: time payments and everything, they'll return your deposit to you. 524 00:24:20,640 --> 00:24:22,400 Speaker 2: And you may wonder, why the hell am I giving 525 00:24:22,400 --> 00:24:24,840 Speaker 2: people money just to borrow money from them? It makes 526 00:24:24,840 --> 00:24:27,640 Speaker 2: no sense. Typically, secured cards are used when you're trying 527 00:24:27,640 --> 00:24:30,120 Speaker 2: to build credit. So if you're someone who's recently moved 528 00:24:30,160 --> 00:24:31,560 Speaker 2: to the United States and you don't have a credit 529 00:24:31,600 --> 00:24:34,320 Speaker 2: history here, or you're someone who has poor credit, you 530 00:24:34,359 --> 00:24:36,280 Speaker 2: can't get approved for a traditional credit card and you 531 00:24:36,280 --> 00:24:38,760 Speaker 2: want to rebuild your credit, It's one way to build 532 00:24:38,760 --> 00:24:41,359 Speaker 2: your credit back up. Or if you're someone who's young 533 00:24:41,440 --> 00:24:43,840 Speaker 2: and has no credit history, you may not get approved 534 00:24:43,880 --> 00:24:45,879 Speaker 2: for the card that you want, so you want to 535 00:24:45,920 --> 00:24:48,240 Speaker 2: open up a secured card account to start building credit. 536 00:24:48,880 --> 00:24:50,520 Speaker 1: I like to say the secured card is like a 537 00:24:50,520 --> 00:24:52,040 Speaker 1: credit card with training mails. 538 00:24:52,800 --> 00:24:55,520 Speaker 3: And because Saneta, you got it from Navy Federal, which 539 00:24:55,560 --> 00:24:59,760 Speaker 3: is good, they likely have a unsecured card which has 540 00:24:59,800 --> 00:25:01,920 Speaker 3: just been basically like a regular credit card where when 541 00:25:01,960 --> 00:25:05,760 Speaker 3: you swipe your basically taking out a temporary loan. That 542 00:25:05,840 --> 00:25:08,080 Speaker 3: what will happen is it's easier to make the transition 543 00:25:08,119 --> 00:25:10,240 Speaker 3: from a secured card to an unsecured card because it's 544 00:25:10,280 --> 00:25:13,040 Speaker 3: already with the bank versus like a secured card that's 545 00:25:13,040 --> 00:25:15,040 Speaker 3: not with the bank, which those are fine, but depends 546 00:25:15,040 --> 00:25:18,800 Speaker 3: on what your end goal is. So Tanta, to answer 547 00:25:18,880 --> 00:25:21,680 Speaker 3: your question, it's best if you wait till you get 548 00:25:21,680 --> 00:25:25,440 Speaker 3: your bill, or at the very least ask your your 549 00:25:25,480 --> 00:25:28,480 Speaker 3: credit card companies, ask Navy Federal what it's my statement date? 550 00:25:28,640 --> 00:25:31,000 Speaker 1: Because if you're trying to raise your credit score. 551 00:25:31,720 --> 00:25:36,800 Speaker 3: I'm assuming you're wanting the credit bureaus to get the 552 00:25:36,880 --> 00:25:40,240 Speaker 3: report from Navy federals saying, hey, Tanetta used her card 553 00:25:40,920 --> 00:25:43,680 Speaker 3: and if you paid off too soon, by the time 554 00:25:43,760 --> 00:25:45,960 Speaker 3: they report, the card is at zero and so there's 555 00:25:46,000 --> 00:25:50,040 Speaker 3: nothing to report. So you're wanting the statement date. It's 556 00:25:50,040 --> 00:25:51,800 Speaker 3: just the date that they release the statement. And that's 557 00:25:51,800 --> 00:25:53,680 Speaker 3: why it's fine for you to just wait till you 558 00:25:53,720 --> 00:25:56,120 Speaker 3: actually get your statement and paid off. Then that way 559 00:25:56,160 --> 00:25:58,159 Speaker 3: you know they've reported to that used it and then 560 00:25:58,200 --> 00:25:59,800 Speaker 3: they're going to report today that paid it off. 561 00:26:00,080 --> 00:26:01,000 Speaker 1: So that's what you're wanting. 562 00:26:01,000 --> 00:26:03,640 Speaker 3: This consistent she used it, she paid it off, and 563 00:26:03,880 --> 00:26:08,440 Speaker 3: congratulations on being smart and really keeping your your balance low. 564 00:26:08,560 --> 00:26:12,000 Speaker 3: You really want to be low and under thirty percent 565 00:26:12,040 --> 00:26:13,840 Speaker 3: really should be the maximum that you should be charging 566 00:26:13,840 --> 00:26:17,200 Speaker 3: on that card. Ideally lower than that. And and honestly too, 567 00:26:17,200 --> 00:26:19,000 Speaker 3: I didn't know if it like two hundred dollars. That's 568 00:26:19,040 --> 00:26:21,760 Speaker 3: a good rate, right, Mandy, Like that's a good down 569 00:26:21,760 --> 00:26:23,639 Speaker 3: payment for a secured card, because sometimes they could be 570 00:26:23,640 --> 00:26:24,639 Speaker 3: like six hundred dollars. 571 00:26:24,840 --> 00:26:27,760 Speaker 2: Yeah, definitely, that's not bad. I can I can share 572 00:26:27,800 --> 00:26:30,280 Speaker 2: a list on the podcast notes of we have a 573 00:26:30,320 --> 00:26:32,919 Speaker 2: good roundup on Magnifying Money of the best secured cards, 574 00:26:33,760 --> 00:26:36,159 Speaker 2: you should look at the deposit amount. Also, some of 575 00:26:36,160 --> 00:26:38,320 Speaker 2: them carry interest rates that are pretty high, so you 576 00:26:38,359 --> 00:26:40,840 Speaker 2: want to get ones that have a lower interest rate, 577 00:26:41,480 --> 00:26:45,560 Speaker 2: few fees, if not no fees at all. And yeah, 578 00:26:45,600 --> 00:26:48,280 Speaker 2: the lower the deposit amount the better because it's hard 579 00:26:48,280 --> 00:26:49,760 Speaker 2: to come up with like a few hundred bucks on 580 00:26:49,760 --> 00:26:50,680 Speaker 2: the fly for some people. 581 00:26:52,040 --> 00:26:54,040 Speaker 1: Yeah. Yeah, so this is that was actually a pretty 582 00:26:54,080 --> 00:26:54,840 Speaker 1: good one. 583 00:26:55,080 --> 00:27:03,480 Speaker 2: So that's not so. 584 00:27:03,520 --> 00:27:06,000 Speaker 3: If you guys have questions, you can certainly hit us up. 585 00:27:06,160 --> 00:27:09,080 Speaker 3: If you go to Brown Ambition podcast dot com, there's 586 00:27:09,119 --> 00:27:11,879 Speaker 3: an ask us anything button you can ask there. You 587 00:27:11,920 --> 00:27:15,680 Speaker 3: can email us at the BA podcast at gmail dot com. 588 00:27:15,680 --> 00:27:16,320 Speaker 1: Did I get that right? 589 00:27:16,359 --> 00:27:20,120 Speaker 2: From Brown Ambition Podcasts at gmail dot com? 590 00:27:20,200 --> 00:27:20,600 Speaker 1: Done it? 591 00:27:21,359 --> 00:27:22,320 Speaker 2: Twitter handles you? 592 00:27:25,760 --> 00:27:28,000 Speaker 1: So I was like, remember someone wrote there like it's hilarious. 593 00:27:28,000 --> 00:27:29,400 Speaker 1: Activity still goes to know the handle. 594 00:27:29,440 --> 00:27:32,560 Speaker 2: So I'm like, whatever, girl, funny business funny. I was 595 00:27:32,800 --> 00:27:33,680 Speaker 2: just thinking, how funny. 596 00:27:35,720 --> 00:27:38,480 Speaker 1: I'm like, my business girl. Everybody does have the shop. 597 00:27:38,520 --> 00:27:40,840 Speaker 1: It's memory, your memory shaving. 598 00:27:41,800 --> 00:27:43,200 Speaker 2: We love you just the way you are. 599 00:27:44,800 --> 00:27:48,640 Speaker 3: No, we love your questions honestly, career questions, business questions, 600 00:27:49,080 --> 00:27:50,800 Speaker 3: finance questions, personal questions. 601 00:27:52,080 --> 00:27:55,040 Speaker 1: Send them on over all right, So we always like 602 00:27:55,119 --> 00:27:55,720 Speaker 1: to end with. 603 00:27:55,760 --> 00:28:00,600 Speaker 3: A brown break or a brown boost, booster a break 604 00:28:00,680 --> 00:28:01,600 Speaker 3: or a booster a break. 605 00:28:01,600 --> 00:28:03,560 Speaker 1: Are you gonna boost? Are you gonna break? Man? Draft? 606 00:28:03,840 --> 00:28:06,040 Speaker 2: Oh, let me just count my boost as a city 607 00:28:06,080 --> 00:28:09,680 Speaker 2: price rewind for today because my brain is shot. 608 00:28:11,200 --> 00:28:14,120 Speaker 1: Well I am going to break, so you know how well? 609 00:28:14,160 --> 00:28:14,520 Speaker 1: I don't know. 610 00:28:14,560 --> 00:28:17,080 Speaker 3: I think Mandy, typically you cut it out that almost 611 00:28:17,080 --> 00:28:20,240 Speaker 3: every time we tape, somehow Superman like opens the door 612 00:28:20,359 --> 00:28:23,040 Speaker 3: like no other time, Like I could take a three 613 00:28:23,080 --> 00:28:25,359 Speaker 3: hour nap, no door opening. But he's, like I said, no, 614 00:28:25,600 --> 00:28:26,679 Speaker 3: tificanally tape it her podcast. 615 00:28:28,560 --> 00:28:31,160 Speaker 1: So not only so thank got I have my phone 616 00:28:31,160 --> 00:28:31,959 Speaker 1: on quiet, and I told him. 617 00:28:31,960 --> 00:28:34,480 Speaker 3: I was like, hey, babe, your lunch because where we 618 00:28:34,520 --> 00:28:36,639 Speaker 3: live is where he works. Your lunch is on the 619 00:28:36,720 --> 00:28:38,760 Speaker 3: it's on the it's on the snow. Here's what like, 620 00:28:38,800 --> 00:28:41,200 Speaker 3: everything is here. And then I called to the town 621 00:28:41,240 --> 00:28:43,320 Speaker 3: and I text him, I'm taping my podcast, you know, 622 00:28:43,400 --> 00:28:45,560 Speaker 3: so just you know, do what you need to do. 623 00:28:45,920 --> 00:28:47,480 Speaker 3: So I heard him coming a little bit, I heard 624 00:28:47,520 --> 00:28:49,560 Speaker 3: him eat lunch. Then I see my phone ring because 625 00:28:49,640 --> 00:28:51,960 Speaker 3: why not? And then he just text me, I locked 626 00:28:52,000 --> 00:28:53,480 Speaker 3: my keys in the house. Text me when you're donb 627 00:28:53,520 --> 00:28:55,040 Speaker 3: taping and leave the door unlocked. 628 00:28:55,120 --> 00:28:55,480 Speaker 1: I can't. 629 00:28:55,560 --> 00:28:58,880 Speaker 2: I'm like, yo, oh god, wait so if they locked 630 00:28:58,880 --> 00:29:03,680 Speaker 2: out right now, yes, let that man into the house. 631 00:29:03,720 --> 00:29:04,880 Speaker 2: It's cold out there. 632 00:29:05,360 --> 00:29:05,880 Speaker 1: I am. 633 00:29:06,160 --> 00:29:10,720 Speaker 3: But it's just hilarics because like yo, Superman, like any 634 00:29:10,760 --> 00:29:14,600 Speaker 3: other time, you are a fully functioning human being, except 635 00:29:14,640 --> 00:29:16,520 Speaker 3: when I take me when we're taping at a different time. 636 00:29:16,640 --> 00:29:17,920 Speaker 1: I swear he's doing this some purpose. 637 00:29:18,440 --> 00:29:23,800 Speaker 3: So that is my brown break break from man Sinan again. No, 638 00:29:23,840 --> 00:29:25,480 Speaker 3: I love him, but it was just like really funny 639 00:29:25,480 --> 00:29:27,760 Speaker 3: because I'm like, wow, really every time you just can't 640 00:29:27,760 --> 00:29:28,680 Speaker 3: help yourself. 641 00:29:28,360 --> 00:29:29,680 Speaker 2: Work from home struggles. 642 00:29:31,480 --> 00:29:33,520 Speaker 1: All right, it's been real, Mandra. 643 00:29:33,480 --> 00:29:36,120 Speaker 2: Please let him into the house. It's really cold outside. 644 00:29:36,600 --> 00:29:37,920 Speaker 1: So I'm gonna go downstairs break now. 645 00:29:38,080 --> 00:29:40,280 Speaker 2: Okay, all right, all right, rest here weed. 646 00:29:40,360 --> 00:29:41,479 Speaker 1: Thank you guys for listening.