Speaker 1: Hey, hey, hey, well back, we're black and brown.
Speaker 2: Last time I checked. Oh you know what I found out?
Speaker 2: My brother texted me, so this Hi, I'm Mandy. This
Speaker 2: is brown ambition. You're here. You made it? Yes, that's Tiffany.
Speaker 2: So my little brother had got my dad a DNA
Speaker 2: test for Christmas. You know, it's ancestry dot com DNA test.
Speaker 2: And actually my husband got me one from the other
Speaker 2: DNA test. It's called the Google one twenty three and me, okay, anyway,
Speaker 2: I was like, okay, great, I'll see if these are accurate.
Speaker 2: I'll see what my dad says and then compare it
Speaker 2: to mine. I don't have mine yet. But my my
Speaker 2: brother texted me and he's meanwhile, we all know my
Speaker 2: father's black, right, Yeah. He's like, so dad is African.
Speaker 2: I'm like, yeah, not surprising. And he's like, he's West African. Yeah,
Speaker 2: so is like anybody who descended from slaves, right, So
Speaker 2: it's pretty funny he actually has he's like nineteen percent
Speaker 2: and Nigerian. Yeah, okay, what does that make me? Like
Speaker 2: twenty five I don't know, fifteen no, ten percent Nigerian.
Speaker 2: I don't know how that works out like that. And
Speaker 2: then he's twenty percent Senegalese okay, and the rest of
Speaker 2: them ben In, Thanks beanin fourteen percent, Cameroon, ten percent,
Speaker 2: Ivory Coast, Ghana, and then ten percent it says Africa
Speaker 2: Southeastern Bantu. What is that. I think it's like maybe
Speaker 2: a region that might I don't know, I might cover
Speaker 2: part of South Africa. Anyhow, what I found hilarious, well
Speaker 2: not hilarious, kind of sad, was so obviously my dad's
Speaker 2: people defense descended from slaves and when they got to America,
Speaker 2: because it shows like how far his lineage just has
Speaker 2: his lineage has moved. We haven't gotten further than like Louisiana.
Speaker 2: It's like Georgia, the Carolina's, it's very much like in
Speaker 2: the southeastern part of the US. So that's my that's
Speaker 2: my people.
Speaker 1: Wow, that's awesome. I can't wait to hear your results.
Speaker 1: I'm actually really curious. I kind of want to do
Speaker 1: mine just to see like is it true, you know,
Speaker 1: because I mean according to my people, like you know,
Speaker 1: like we're Nigerian and but I do know like for example,
Speaker 1: Lovey did I think she did twenty three and me
Speaker 1: and she found out actually that she was more. Oh,
Speaker 1: what's the neighboring country. I don't know if it was Cameroonian,
Speaker 1: but she was more of the more of the neighboring country.
Speaker 1: I can't remember what country she said. Then she was
Speaker 1: actually Nigeria and she was trying to figure out, oh why.
Speaker 1: But because here's the thing, Like Lovey is Uraba. And
Speaker 1: we have to remember that during the Council of Whatever
Speaker 1: like or the at some point European countries sliced and
Speaker 1: diced up Africa and they created these countries. But if
Speaker 1: you look at Lovey and you know like what she is,
Speaker 1: which is African and Yorba, what you will find is
Speaker 1: that there is Yorba. The real country or land of
Speaker 1: Yurba overlaps those two countries. So it's not that it's like, oh,
Speaker 1: you know, you're not Nigerian. No, she's truly Yourba. Like
Speaker 1: it it like so if these two countries are neighboring,
Speaker 1: Yorba land is on both sides of the country, and
Speaker 1: just the line was drawn and all of a sudden,
Speaker 1: you're Nigerian. But it's like no, I'm just so. And
Speaker 1: what they found too is that she's very very Urba,
Speaker 1: meaning like they were really excited to get her DNA
Speaker 1: into the system because her DNA is now a marker
Speaker 1: to set for other people to see how you're about
Speaker 1: or how Nigerian or how Cameronian and whatever they are.
Speaker 1: Because it's like your mom is, you're about your dad is,
Speaker 1: you're about your grandparents and your grandparents and your grandparents
Speaker 1: and your grand you know what I mean, Like you
Speaker 1: don't get too many people. Yeah, so I'm really curious
Speaker 1: to see with my people, like I know that like
Speaker 1: on at least on my dad's side, I know, like
Speaker 1: my dad can go back up at four generations, like
Speaker 1: when Aliche, which is my last thing, well not so
Speaker 1: much anymore, but Aliche was like like was just one name,
Speaker 1: like when my great great great great grandfather his name
Speaker 1: was Alich, and then when our village was founded by
Speaker 1: four brothers, and so it's just like he could go
Speaker 1: back that far because we have like African telling oral
Speaker 1: history and so every kid in the village can go
Speaker 1: back that far. But so it would be interesting to
Speaker 1: see if there's like any deviation or are we just
Speaker 1: super Ebo you.
Speaker 2: Know, yeah, I mean it's also every country I listen
Speaker 2: to my that is from, they're all basically neighboring countries
Speaker 2: on the West coast. You know, one of the origins
Speaker 2: of the slave trade. And you know, if you ever
Speaker 2: read the book Homegoing, I had talked about it before
Speaker 2: on the show. It's by yag Yasi. I learned more
Speaker 2: about the slave trade and the history of West Africa
Speaker 2: from that book than I ever learned in school. And
Speaker 2: it is. It is a fantastic book. It tells it
Speaker 2: starts at the beginning. It starts I think in Ghana.
Speaker 2: The author is Ghandian, and it starts with the tribe
Speaker 2: in Ghana, the very first tribe who selled their people
Speaker 2: to the Europeans as slaves. And it tells one story,
Speaker 2: one person's story, from every descendant of that family through
Speaker 2: the books all the way up until I think the
Speaker 2: nineteen eighties. Is just like phenomenal that I highly recommend it.
Speaker 2: It's awesome. I have a little bit of read it too.
Speaker 1: What is it.
Speaker 2: It's called Homegoing by yah Kyasi. Let me look it up.
Speaker 1: That sounds interesting, Yeah.
Speaker 2: Yah Yasi, it's y Aa g y A s I
Speaker 2: I'll post a Lincoln and the show notes too, because
Speaker 2: me by the have me by it was like squeezing
Speaker 2: my heart the entire time reading that book.
Speaker 1: That's like the book by uh Chimamanda. Oh yeah, she
Speaker 1: wrote this book called Half a Yellow Sun, and you know,
Speaker 1: for most people of the context, it's like, oh okay,
Speaker 1: but it was crazy because it's that book talks about
Speaker 1: the Nigerian Civil War, which put Ebos, who live in
Speaker 1: the south and kind of west against the rest of
Speaker 1: the country. And my parents lived through that and to read,
Speaker 1: I mean because my dad used to tell the stories
Speaker 1: when we were younger, but to read it and like
Speaker 1: knowing and like putting things together, Like I remember, they
Speaker 1: didn't go to school for a few years. Like my mom,
Speaker 1: who grew up as a city girl. All these Ebos
Speaker 1: had to leave major cities because they're being literally killed
Speaker 1: and had to go back to their ancestral lands, which
Speaker 1: is the village. And that's where my mom and dad
Speaker 1: met because my mom was you know, although they had
Speaker 1: land in the village, she wasn't a village girl, but
Speaker 1: my dad was a village guy. So it's almost like
Speaker 1: if a civil war were to hit and like you
Speaker 1: had to go back down south to like you know,
Speaker 1: where your people are from, you know, to not be
Speaker 1: killed because right now in the big city, if they
Speaker 1: find out that you're evil, Like there were stories of
Speaker 1: a plane being about to take off people like evils
Speaker 1: were trying to leave and them stopping the plane and
Speaker 1: having people say certain words in Urbi and other languages
Speaker 1: to see if you said it with an evil accent
Speaker 1: and killing you right there. It was crazy times and starving,
Speaker 1: like starving like the South, and to try to make
Speaker 1: them to submit. It was just to read it though
Speaker 1: and know like asking my parents like that happened, and
Speaker 1: like seeing like my aunts and my uncles and asking
Speaker 1: them because you know, my dad is in his seventies,
Speaker 1: my mom is in her sixties and so it's not
Speaker 1: that long ago, and just being able to kind of say, Daddy,
Speaker 1: did you know did this happen? Did you live through this?
Speaker 1: And so it was really now that had me like
Speaker 1: in tears, like I can't believe you live through that?
Speaker 1: How did you even live? You know? Yeah, that's such
Speaker 1: a great book, but I think even more so it
Speaker 1: just touched me just being ebo and reading like, you know,
Speaker 1: this history of my people and just just you know,
Speaker 1: how what a devastating time that was. Yes, some books
Speaker 1: have you like on your back, like lot.
Speaker 2: You know the best. Those are two great recommendations. I've
Speaker 2: had Half a Yellow Son on my bookshelf for a
Speaker 2: while and I haven't read it yet. I've read Americana
Speaker 2: and then we should all be feminists. By I think
Speaker 2: I butchered her last name. It's Ngozi and g Ozi
Speaker 2: Jim in London and Gozi Adichi excellent.
Speaker 1: Yes, okay, So for those of you who know my surgeries,
Speaker 1: in a couple of days, I'm both nervous and relieved.
Speaker 1: I'm like, I'm so I'm ready, but I'm so glad
Speaker 1: they're gonna be knocking me out because I was worried.
Speaker 1: I mean, I guess I figured, but they it's imilar
Speaker 1: to like fibroid surgery. From what I understand, the one
Speaker 1: I'm getting is like similar to like a C section,
Speaker 1: so I know during a C section, they don't knock
Speaker 1: you out. So I was like, wait, you're gonna knock
Speaker 1: me out right because I don't want to be like awake,
Speaker 1: and they're like, yes, Tiffany, you will not be awake.
Speaker 1: So I'm like, eh, so I'm curious. Part of me
Speaker 1: wants to be like so I want to see what
Speaker 1: it looks like when you take them out. No, because
Speaker 1: a friend of mine just posted on Facebook she actually
Speaker 1: has two days worth of fiveboards, so she has seventeen.
Speaker 2: Oh my god, I didn't realize.
Speaker 1: You know, it's not until like you share that you're
Speaker 1: going through something that you realize how many people are
Speaker 1: going through. I would I could honestly say, if I've
Speaker 1: told ten women that I'm getting fibroid surgery, at least
Speaker 1: I would say four have said, oh I have five
Speaker 1: words too, or I had the surgery, or you know,
Speaker 1: like it's so just the amount of women that and
Speaker 1: have just listened to the podcast. So many of you
Speaker 1: have reached out to me, thank you so much.
Speaker 2: Who are like, yeah, me too, don't google it. Who
Speaker 2: that was a mistake, you know, like a fleshy grapefruit.
Speaker 1: Yeah, that's basically what it looks like. It's like just
Speaker 1: this fleshy ball and they cannot figure out why they grow,
Speaker 1: and they're really prevalent, and women in their like thirties
Speaker 1: and forties, and so yeah, it's just I mean, and
Speaker 1: it's pretty common surgery. You don't really you know, so
Speaker 1: I'm you know, I can honestly say I'm not nervous
Speaker 1: just because it's not I'm like my husband had and
Speaker 1: yours in brain surgery. Now that's you know, like, ah,
Speaker 1: super risky because you know, one false move. But I
Speaker 1: feel like the surgery is common enough, but still it's surgery,
Speaker 1: and when they put you under, there's always a risk
Speaker 1: of not coming back. And you know, they were like
Speaker 1: they're asking all these questions with beforehand, like a week
Speaker 1: before you have to kind of go through prep where
Speaker 1: they tell you like they'll eat for a certain time
Speaker 1: and what not to take, and don't worry, you know,
Speaker 1: don't worry the jewelry when you come in, just like
Speaker 1: all these different things. And she was like, is there
Speaker 1: anything that would prevent you from like you know, religious
Speaker 1: for religious reasons whatever, for you not to get like
Speaker 1: a blood transfusion. I'm like, wait, what just in case,
Speaker 1: like you know that they're doing surgery and you start
Speaker 1: bleeding uncontrollably, I'm like, yikes. I was like, give me
Speaker 1: blaed I'm fine. Girls. Just stuff like that. But I'm
Speaker 1: also really excited to finally move past this part and
Speaker 1: just be like who we sigh and oh and good
Speaker 1: news about the house, I finally can share we are
Speaker 1: ready to close, but I decided we're actually gonna push
Speaker 1: to closing because I'm like, well, I don't so two things.
Speaker 1: The bank has been just like h just a mess.
Speaker 1: But we finally have to deed and my realtors that
Speaker 1: we can close anytime. But I told her, you know,
Speaker 1: I'm having a surgery, and she's like, well, how long
Speaker 1: would you have to be in the house. I said
Speaker 1: for about the month of February for the bolt part.
Speaker 1: So she was like, well, how about this. It doesn't
Speaker 1: make sense to close now because I was going to
Speaker 1: close before, she said, because you won't be able to
Speaker 1: get to the house for a month. If you close
Speaker 1: first thing in March one, it gives them time to
Speaker 1: because of the trouble that they've put us through of
Speaker 1: getting the house. She requested what's called the seller's concession,
Speaker 1: where the seller can sde something to you. So we
Speaker 1: asked for money off. They said no because they had
Speaker 1: already given us five thousand dollars off when we put
Speaker 1: the initial bid in. We got the house for one
Speaker 1: eighty instead of one eighty five. So she said, well,
Speaker 1: at least will you deliver the house broom swept because
Speaker 1: the house is a foreclosure. So there's still a ton
Speaker 1: of furniture and stuff in there, which we would have
Speaker 1: to get a dumpster for and a permit, and we
Speaker 1: have to pay to have the garbage remove whatever. And
Speaker 1: they said, yeah, so they will pay for someone to
Speaker 1: clean the house and bring it to us empty, which
Speaker 1: is a you know, that could be a few thousand dollars.
Speaker 1: It costs depending on how much stuff it is, because
Speaker 1: sometimes make you pay for trash by the pound if
Speaker 1: you're taking a dumbster away. So she said, if I
Speaker 1: are you, I will go in there, rip up any
Speaker 1: carpet you don't want, and just like get all anything
Speaker 1: that you don't want in the house let them take
Speaker 1: it out. So I said okay, And then she said
Speaker 1: two February quarter one taxes are due, and I think
Speaker 1: our taxes are like six hundred something bucks a month
Speaker 1: or whatever. So she was like, let them pay Q
Speaker 1: on taxes. That's your concession right there that way, because
Speaker 1: you don't own the house yet, since you know, you
Speaker 1: can decide you're closing later. So I was like, woo woo.
Speaker 1: My realtor is the bomb dot com. So we're gonna
Speaker 1: let them pay taxes, let them clean it out and
Speaker 1: we'll close the first thing in March and to a
Speaker 1: clean house and we can do whatever we want with
Speaker 1: it from there.
Speaker 2: That makes sense. Oh yeah, I'm excited springtime a new house, I.
Speaker 1: Know, and like the weather, like hopefully it'll break because
Speaker 1: that was my concern. I'm like, oh, no one wants
Speaker 1: to do any like work, construction stuff whatever and when
Speaker 1: it's cold. And she told us, she was like, she
Speaker 1: just texted me a little while ago. She said, just
Speaker 1: so you know, I got the updated comp for your
Speaker 1: house about like what your house is currently worth in
Speaker 1: its current state, and it's currently worth about three hundred
Speaker 1: and sixty six thousand dollars. She was like, give her take,
Speaker 1: and I was like wow. She was like, but I
Speaker 1: think with the with whatever audition, in whatever you know,
Speaker 1: you fix it up to. She's like, I really can
Speaker 1: see your house being worth more than four hundred thousand.
Speaker 1: And meanwhile, we bought it for one eighty and we
Speaker 1: were really fortunate because doing foreclosures, you just never know
Speaker 1: like when when the house was being foreclosed upon, I
Speaker 1: don't know what the original people bought it for, but
Speaker 1: they owed three seventy on the house when they bought it,
Speaker 1: and the bank really wanted two twenty. They wanted to
Speaker 1: recoup at least through twenty, but we got it for,
Speaker 1: like I said, one eighty. So they're going that's why
Speaker 1: they were like Salad's concession of five thousand, and we're
Speaker 1: already losing body, you know. So yeah, so they wanted
Speaker 1: to two twenty. We got it for one eighty and
Speaker 1: they were old three seventy, which just goes to show
Speaker 1: you like, yeah, there's deals out there. It's I mean,
Speaker 1: they're not you know, people will make you think like, oh,
Speaker 1: there's foreclosures everywhere that aren't like are great. But with
Speaker 1: the little patients, you can find a deal out there
Speaker 1: if you're willing. When you're looking for a home.
Speaker 2: Yeah, a lot of patients. You guys started this process
Speaker 2: back in what like.
Speaker 1: A year ago? Yeah, no, well further than that, like
Speaker 1: it's been more than a year. Like we started this
Speaker 1: particular house process back in September, but before that, we
Speaker 1: were looking for a house for almost a year. Before that,
Speaker 1: we were trying everything like maybe a multi family regular mortgage.
Speaker 1: Remember we were talking about that then. But you know,
Speaker 1: with do you.
Speaker 2: Think the fact that you paid cash all cash, that
Speaker 2: that helped you as well get a better deal than
Speaker 2: someone who may be with financing.
Speaker 1: Oh yeah, for sure, because the we got this house
Speaker 1: on a it's called like realty bid or something like that.
Speaker 1: That was the website. And so when you go on
Speaker 1: some of these auction websites, sometimes the people selling it
Speaker 1: will stipulate will only sell. Sometimes they'll say, you know,
Speaker 1: we'll take all kinds of financing, and sometimes like if
Speaker 1: it's like lots of times, banks are like, we're selling
Speaker 1: it so cheap, we'll only take cash. So that definitely,
Speaker 1: that definitely helped. But you can find or foreclosure that
Speaker 1: is that you can finance. That's definitely out there. It's
Speaker 1: just about it. With foreclosures, there's so many things that
Speaker 1: can go wrong because there has to be a shift
Speaker 1: in ownership. So if at any time the ball was dropped,
Speaker 1: it's like who actually owns a house And when the
Speaker 1: bank put it on the website, they didn't even own
Speaker 1: the house yet because they didn't have the deed. Yes,
Speaker 1: they might have taken the house back, but if the
Speaker 1: deed is still in the previous owner's name, they still
Speaker 1: had ownership. So that process of switching the deep over
Speaker 1: can take months and then they have to switched the
Speaker 1: deed over now to us, you know. So it was
Speaker 1: for a lot of realtors won't do foreclosures because of
Speaker 1: this this long drawn out pop process. And I have
Speaker 1: to say, like, my for what she's getting paid, you know,
Speaker 1: because she gets her three percent or whatever commission it's
Speaker 1: for and for the work that she did, it's not
Speaker 1: net net even. But my realtor, Ameana, is smart because
Speaker 1: my parents are now selling their house and it's worth
Speaker 1: I don't know, seven hundred eight hundred thousand dollars and
Speaker 1: they want to buy a small like a condo. So
Speaker 1: guess who I said, mommy, daddy, this is who you
Speaker 1: need to use. So she's not making a whole lot
Speaker 1: of commission off of me, but now you have a
Speaker 1: commission off of seven hundred thousand plus whatever three or
Speaker 1: four hundred thousand dollars condo they get in exchange. Plus
Speaker 1: they're you know, their friends who are wanting to down
Speaker 1: that are wanting to downgrade. So you know, she's just
Speaker 1: really smart because it's you learn sometimes in business that
Speaker 1: you don't make your money with the first thing, but
Speaker 1: the second thing you do.
Speaker 2: You know, definitely, I mean That's the biggest lesson I
Speaker 2: think I've learned in my career is I mean, I
Speaker 2: can trace the first two jobs I had back to
Speaker 2: a thank you note. You never know, you never know
Speaker 2: who you're handings are, like, who you're interacting with, now
Speaker 2: what kind of power they'll have in your life later.
Speaker 2: Didn't mean to get deeper on your real estate.
Speaker 1: Story, but no, I think you're right though.
Speaker 2: Yeah, well I had a women I had a girl
Speaker 2: power moment this weekend. I went to the Women's March,
Speaker 2: which I was finally. I wasn't able to go last
Speaker 2: year because I was sick of a dog, but this
Speaker 2: year I went and it was awesome. Really, Yeah, I
Speaker 2: went to the obviously the one in Manhattan. Yeah, it was.
Speaker 2: It was. It took place right outside of Central Park,
Speaker 2: and I went with a couple of girlfriends. I made
Speaker 2: some signs and just kept it really simple. Yeah. It
Speaker 2: was just I don't know, it just it was really
Speaker 2: good vibes, and you know, I was a little bit like,
Speaker 2: I mean, I wanted to go and I wanted to
Speaker 2: feel the crowd and it was whatever. We had to
Speaker 2: wait for about an hour before we could actually march
Speaker 2: because it was that crowded, so and it was actually
Speaker 2: really well organized. They were letting people go in in
Speaker 2: spurts instead of just like you know, mobbing sixth Avenue.
Speaker 2: But aren't when we when we finally, because you know,
Speaker 2: you go, you start at like seventy second in Central Park.
Speaker 2: And for those of you who aren't familiar with New
Speaker 2: York City, once you get to fifty ninth Street and
Speaker 2: Central Park, you're right in front of the Trump International Hotel.
Speaker 2: It's a giant building. It's one of Trump's many sized
Speaker 2: skycraper skyscrapers in the city, but it has his name
Speaker 2: on it. And when you get to when you get
Speaker 2: to that building, people will stop and they had music
Speaker 2: and drums and you know, people would stop there and
Speaker 2: chant and sing, and it really like you felt it.
Speaker 2: You felt people's energy and you felt like, I don't know,
Speaker 2: it was weird. I felt like I was really sending
Speaker 2: the president a message in a weird way. I'm like,
Speaker 2: he's going to hear this, Like I don't know, it
Speaker 2: felt like I was doing something. It felt like so
Speaker 2: much better because you know, I feel like the past year,
Speaker 2: especially you know, I'm a journalist, I don't like to
Speaker 2: air my political beliefs on Twitter. Not that I I mean,
Speaker 2: I'm not a political journalist. It doesn't really matter. You know,
Speaker 2: I don't have the same standards as other political journalists.
Speaker 2: But I really hold back. I mean, I represent a company,
Speaker 2: a YadA YadA, so I don't I'm not so public
Speaker 2: with my feelings about politics on Twitter and other social media.
Speaker 2: So I felt like, I know, I hold it in
Speaker 2: except for in my social circles, hold it in throughout
Speaker 2: the year. I also have a lot of family who
Speaker 2: supports him, so you know, it really felt like for me,
Speaker 2: I've been holding this in for the past year, and
Speaker 2: it felt good to really just be in that moment
Speaker 2: and say no, I don't accept this president and here's why,
Speaker 2: and you know, just to be with a couple of
Speaker 2: my close girlfriends and do that. It was. It felt good,
Speaker 2: not a bad way to spend a couple hours on
Speaker 2: a Saturday.
Speaker 1: And the weather was great, wasn't it.
Speaker 2: Weather was perfect. Yeah, I was like it was in
Speaker 2: the fifties, I want to say, in the sun. And
Speaker 2: I made I made a few signs. One of my
Speaker 2: signs was the Solange. I had lyrics from the Solange song.
Speaker 2: We got a lot to be Mad About, which is
Speaker 2: one of my favorite songs from her record, A seat
Speaker 2: at the Table, I would have. Yeah, I had a
Speaker 2: good time.
Speaker 1: Oh that sounds honestly that it looked. I saw the pictures.
Speaker 1: I was said, look at Mandy, curls are flowing.
Speaker 2: Yes, well, there's a lot of natural hair out there.
Speaker 2: That wasn't the only one in my little pocket. It
Speaker 2: definitely felt because you know, people talk about that diversity
Speaker 2: of these movements, and there's controversy over whether, you know,
Speaker 2: the Women's movement, the Women's March anyway has been welcoming
Speaker 2: to different to women of color and sexualities and stuff.
Speaker 2: You know, it did feel like I mean I didn't
Speaker 2: take a poll or survey the entire crowd. I was
Speaker 2: in a very tight little group. I saw some. I
Speaker 2: definitely saw women of color, but there it definitely felt
Speaker 2: like it was more white women than anything who were
Speaker 2: out there. I couldn't help but notice that. But I
Speaker 2: did see a lot of I did see definitely, I
Speaker 2: mean every time I looked at the crowd, I could
Speaker 2: point out people of color, but it certainly wasn't you know,
Speaker 2: split down the middle, but people different ages. I saw
Speaker 2: kids and grandmas and you know, young old. I think
Speaker 2: it's it's sad that it has to happen. But at
Speaker 2: the same time, you know, I think it's great to
Speaker 2: see parents like taking their kids out and showing them
Speaker 2: how to be involved and just that you can come
Speaker 2: together as a group, you know, and it's beautiful that
Speaker 2: we can even do this in our country at all.
Speaker 2: So I sort of I just felt grateful for that.
Speaker 1: Yeah, now, honestly I love that. I mean, as much
Speaker 1: as you know, this current administration has been, like you
Speaker 1: guys are like the worst. What it has brought out
Speaker 1: is like I was talking to my accountant today and
Speaker 1: he was like, you know, it's so crazy. He was like,
Speaker 1: I mean, he's like, I'm like a Civics lesson. He's like,
Speaker 1: I'm more woke. I'm like, wait, whoa, whoa. He's like
Speaker 1: my six year old like, so, Dad, how did he
Speaker 1: win when when Hillary Clinton had more of the votes?
Speaker 1: Why is this electoral college stick at six? And he
Speaker 1: was I went with you to the voting booths and
Speaker 1: we voted in school, and the most votes one And
Speaker 1: he was just saying how this has really forced him
Speaker 1: and people around him to really pay more attention to
Speaker 1: what's happening politically.
Speaker 2: Yeah, we can't. We can't unsee this, like we can't
Speaker 2: unlive it.
Speaker 1: Yeah. So speaking of this dang administration, So I remember
Speaker 1: I said before I had a budget aist the bills
Speaker 1: that I helped my friend, right, Yeah, And they passed
Speaker 1: the House to House the Senate and it's sitting on
Speaker 1: Governor Christie's desk and all he has to do is
Speaker 1: sign it, and all literally every single uh political Republican
Speaker 1: and Democratic senator said yes, and he didn't sign it.
Speaker 1: Oh no, we have a new governor, Film Murphy.
Speaker 2: And so right now he starts, like when does he start?
Speaker 1: I don't know now basically, And so when the governor's
Speaker 1: on his way out, he had about one hundred and
Speaker 1: sixty bills on his desk, and out of one hundred
Speaker 1: and sixty he either signed or actively veatoled one hundred
Speaker 1: and fifty.
Speaker 2: And the other ten he just didn't look.
Speaker 1: He just he beatoed by. They call it beatle. It's
Speaker 1: like saying no by not saying no, you know what
Speaker 1: I mean, but not saying anything. It's like it's a
Speaker 1: weak way because it's like I don't want to be
Speaker 1: the one to veto to say no, no financial literacy
Speaker 1: for kids, but for whatever reason, he didn't sign. So
Speaker 1: it's a no just because by default, because you didn't
Speaker 1: say yes. Oh a real punk move. But you know what,
Speaker 1: that's exactly what he is. So we have to start
Speaker 1: all over literally from committee to House to House, Senate
Speaker 1: to Senate and back up to the governor.
Speaker 2: Oh, I'm so sorry. You were so excited the last time,
Speaker 2: I know.
Speaker 1: And cause I was like, who's gonna say no financial
Speaker 1: education for kids? I mean, how is this a bad thing? So,
Speaker 1: but you know what, it won't be part of his legacy.
Speaker 1: It'll be part of hopefully governor film work He's legacy,
Speaker 1: and it'll will go hopefully faster because we've already have
Speaker 1: like all these people who are kind of on board,
Speaker 1: and so it is what it is.
Speaker 2: Well, fight the good fight. Yeah, so you're gonna try
Speaker 2: to get next season or next.
Speaker 1: No, she said, honestly, she's like, let's see what she's like.
Speaker 1: I want to see we could push this through in
Speaker 1: like six months. This is Assembly Women. Angela Vie McKnight,
Speaker 1: she said, because now that we have everyone on board,
Speaker 1: it shouldn't it shouldn't be hard to because it was
Speaker 1: like explaining to people what it meant and tweaking it
Speaker 1: to make sure both sides felt comfortable. But now it's like, hey, guys,
Speaker 1: he didn't sign it. We're just let's just everybody vote
Speaker 1: just like I did last time. Yes, yes, yes, yes.
Speaker 1: So I'm hoping that so she doesn't have to do
Speaker 1: quite as much politicking in between each vote. So I'm
Speaker 1: hoping that it'll go much faster because this last round
Speaker 1: took two years to get here.
Speaker 2: Yeah.
Speaker 1: Yeah, So, I mean, but I feel confident in it
Speaker 1: because it's a it's a good bill. Like it's not
Speaker 1: like we're saying, hey, should we give riddling to kids?
Speaker 1: Should we teach them financial education? I mean, like, why
Speaker 1: is that bad?
Speaker 2: People? Well, you know, people will find a way, you know,
Speaker 2: especially in schools. It's so touchy. There's so much there's
Speaker 2: so much controversy in schools right now. And I feel like,
Speaker 2: and I've written about financial literacy in schools, and I
Speaker 2: know that the standard conservative response to these types of
Speaker 2: programs it's just giving more. It's giving teachers in schools
Speaker 2: more stuff to do. Government, it's government influencing schools and education.
Speaker 2: And you know that Conservatives are all against that, and
Speaker 2: Chris Christy being a conservative, it seemed in line with
Speaker 2: his party stance. I wonder if the next governor since
Speaker 2: he's Democrat, right.
Speaker 1: Yeah, he's Democrat. And honestly, that was when we first met.
Speaker 1: We met with some sort of education committee and it
Speaker 1: was full of teachers and educators and women who Angela
Speaker 1: asked me to come to her office to speak with them,
Speaker 1: and they said the same thing. And I can honestly
Speaker 1: say I sat with them and I said, I agree
Speaker 1: that there shouldn't be a large place that makes teachers
Speaker 1: have more grounds. Like I was a teacher for ten years,
Speaker 1: so I know what those changes feel like in the
Speaker 1: classroom where you're like really another thing. And so when
Speaker 1: we really worked out the bill, it was so that
Speaker 1: it wouldn't add additional work. It wasn't like stop its
Speaker 1: financial literacy time. That instead it would be infused into
Speaker 1: what you're already doing. So if today is counting day,
Speaker 1: then we might say, hey, here's some ways to infuse
Speaker 1: counting money into today's lesson. You see what I mean.
Speaker 1: So I really worked hard to make sure because I
Speaker 1: totally get it, because that's true, it's too much to
Speaker 1: ask a teacher to put aside another two or three
Speaker 1: or five minutes for something else, because I've been there.
Speaker 1: And so that's why I honestly the bill started to
Speaker 1: really pick up traction because people were like, okay, good
Speaker 1: because you're right at the conservative side. That was a
Speaker 1: little bit of the pushback. But once we tweaked it
Speaker 1: and edited it, everybody was like, love it. I love it,
Speaker 1: you know, And so that's why I'm just like this guy.
Speaker 1: But whatever. On that note, are you ready to break
Speaker 1: or boothe I'm ready.
Speaker 2: I'm gonna break. Are you ready for I haven't break
Speaker 2: break broken in a while.
Speaker 1: I'm gonna I'm gonna booth. I'm gonna booth.
Speaker 2: Okay, let me go first and we can end on
Speaker 2: a high note.
Speaker 1: Okay.
Speaker 2: So I want to take a break from if I
Speaker 2: if I could take any more, if I had any
Speaker 2: more breaks to give, I would give my last break
Speaker 2: to Bank of America, Everyone's least favorite bank, my least
Speaker 2: favorite bank, I'll just put it that way. I broke
Speaker 2: up with them like five six years ago, finally, and
Speaker 2: they just announced today that they are getting rid of
Speaker 2: low fee checking accounts for oh sorry, low balance free
Speaker 2: checking accounts. So if you're the kind of person who
Speaker 2: carries a low balance, you live paycheck to paycheck, which
Speaker 2: is a lot of people in the US. There just
Speaker 2: aren't that many great There aren't a lot of great,
Speaker 2: big bank checking accounts that actually don't charge fees. And
Speaker 2: Bank of America was like sticking its tongue out to
Speaker 2: those people and just took away. It's a low feed
Speaker 2: checking account if you have a low balance. So if
Speaker 2: you have a Bank of America account and you're like
Speaker 2: what I described, you your balance as close to zero.
Speaker 2: Sometimes maybe have had a few overdraft charges the last year,
Speaker 2: it is time to get out.
Speaker 1: Get out out of that.
Speaker 2: They don't have free checking anymore, if you could even
Speaker 2: call it that, because they still charge things like overdraft
Speaker 2: fees and whatnot. There's just so many better options out there.
Speaker 2: So if you have Bank of America or any other
Speaker 2: sort of big, big brand bank, I guarantee you can
Speaker 2: find better services for better rates, better fees at other banks.
Speaker 2: In fact, I can. I'm going to put in the
Speaker 2: show notes because I want you guys to just see
Speaker 2: what's out there. Magnify Money has a great page where
Speaker 2: you can review checking accounts and you put your zip
Speaker 2: code in and then you put in how often you
Speaker 2: make overdraft during the year, so that you can get
Speaker 2: a list of banks that are probably best for you
Speaker 2: in the way you use your checking account.
Speaker 1: No, that's awesome, but yeah they can remember. Because so
Speaker 1: I saw a lot of dreamcatchers posting about it. I'm like,
Speaker 1: they've been trash.
Speaker 2: Right, it's just one, it's just one other reminder. Why.
Speaker 1: Yes, it's like she and boyfriend. Who oh, so you
Speaker 1: got her pregnant? Okay, so you know what. I can't
Speaker 1: do this. I can't do this, Okay, So mine is
Speaker 1: a boost super simple light. So I was at the
Speaker 1: mall with with Superman and I was like, our comforter
Speaker 1: is shameful. I mean, honestly, we discomforter like a dog
Speaker 1: wouldn't sleep on this comforter. It's just raggedy. You know,
Speaker 1: you watched it too many times and the comforter is
Speaker 1: just looking sad and raggedy. So he was like, I'm
Speaker 1: gonna go. We were eating at Johnny Rockets. I got
Speaker 1: a veggie burger for those of you who care, and
Speaker 1: they do. I could have done without it, but either way,
Speaker 1: we were at the mall at eating at Johnny Rockets,
Speaker 1: and he was like, you know what, there's Marshalls. I'll
Speaker 1: go buy a comfort while we wait for our food. So,
Speaker 1: you know, I was nervous because I said, oh boy,
Speaker 1: I know Superman is not known for his style. I
Speaker 1: love him dearly. I was like yes, I was like.
Speaker 2: Okay, it took us months to pick a comforter, like
Speaker 2: I'm not kidding, And I was no nervous arms.
Speaker 1: I didn't want to leave the table like with the food,
Speaker 1: because I was like, I don't want them to think,
Speaker 1: oh they ordered and they ran, you know, and so
Speaker 1: I said, okay. He came back first of all with
Speaker 1: a super cute comforter. It's like a gray and navy
Speaker 1: stripe and actually I love it. And on the other side,
Speaker 1: it's like shirling material, like like sheep swoop. When I
Speaker 1: say this thing, I can't even get out of bad Mandy,
Speaker 1: I cannot get out of bed. It is the best comforter.
Speaker 1: I honestly, I'm rubbing it right now and I'm like, hey,
Speaker 1: how you doing. I'm gonna see you in a minute.
Speaker 1: Like it is. So it's transformed how we sleep because
Speaker 1: we're always like, oh we get up. We're like no,
Speaker 1: this thing, I'm gonna see if I can fride who
Speaker 1: makes it? Who makes his dag on comforter eyezid hoo child,
Speaker 1: this thing is zid you nd I will dedicate my
Speaker 1: first I'm gonna call my first born eyesid. Okay, but
Speaker 1: it's honestly, it's just an amazing conforter. It is so
Speaker 1: comfortable and because it's it's winter, well you know, it's
Speaker 1: weird winter, but it's weird winter in Jersey where it
Speaker 1: gets you really cold at night sometimes, and this thing
Speaker 1: is like sleeping literally in a cloud. And so that's
Speaker 1: my boos. These izod shirling half shirling half whatever's on
Speaker 1: the other the other side is actually really cute. But
Speaker 1: the other side, the side that you put on your
Speaker 1: body shut, oh, hal side. You want a sponsor?
Speaker 2: It is time for questions, yes again. You guys can
Speaker 2: go to Brannanbission podcast dot com.
Speaker 1: Nope, okay, oh dot com, Sorry I'm late.
Speaker 2: It's okay, and send us a question. Just click to
Speaker 2: ask us anything tub or you can email us directly.
Speaker 2: Brand Ambision podcas asked at gmail dot com to be
Speaker 2: featured on the show. We got a lot of good
Speaker 2: questions after last week, so I'm going to try to
Speaker 2: get to a couple today. The first one is a
Speaker 2: question about home ownership and a down payment on your
Speaker 2: mortgage from listener named Kim. Kim says, Hi, guys, I
Speaker 2: love you guys. Here's a home ownership question for you.
Speaker 2: What is the benefit to putting twenty percent down on
Speaker 2: a mortgage? Do you really save on your mortgage payments?
Speaker 2: Can you put down less and not have to enroll
Speaker 2: in a private mortgage insurance not to enroll in private
Speaker 2: mortgage insurance for a new home? That is her question.
Speaker 2: Excellent question.
Speaker 1: It is an excellent question, and the benefit is just
Speaker 1: as you said, the benefit is, well, there's a couple
Speaker 1: of benefits. One, you can not pay PMI private mortgage insurance,
Speaker 1: which is that insurance that you pay when you don't
Speaker 1: have enough equity in the home when you first buy it.
Speaker 1: So that makes you a risk. So basically what the
Speaker 1: bank is doing is they're hedging against you. They're like, eh,
Speaker 1: she don't have that much skin in the game. So
Speaker 1: because you put down three percent or whatever, So I'm
Speaker 1: going to charge you an extra fee every month just
Speaker 1: in case you default on this loan. At least I
Speaker 1: got a little extra money upfront from you. But also
Speaker 1: to what I found though, like I mean, there are
Speaker 1: ways to get around PMI and not put down the
Speaker 1: full twenty percent. But what I found too is putting
Speaker 1: down twenty percent also makes you a stronger buyer. So
Speaker 1: take yourself out of the buyer's position, put yourself in
Speaker 1: the sellers position. And two people want my house. One
Speaker 1: person says I've got three percent to put down and
Speaker 1: all this financing, and one person says I've got twenty
Speaker 1: percent to put down in their financing. Which one are
Speaker 1: you gonna go with? Even though it's the same amount
Speaker 1: of money that they're both gonna give you. I'm going
Speaker 1: with a stronger buyer because what it tells me is
Speaker 1: that if you've got twenty percent to put down, you're
Speaker 1: probably gonna have an easier time getting financing. And I'm
Speaker 1: not gonna you know, it's going to be easier to
Speaker 1: get to closing with you versus someone who can't put
Speaker 1: down as much, because that maybe singles to me, signals
Speaker 1: to me that maybe this is not as strong a
Speaker 1: buyer as I would like. And so that's another reason
Speaker 1: why you know, you don't have to put twenty percent down,
Speaker 1: but it's another benefit to putting twenty percent down.
Speaker 2: Absolutely. In fact, we just did a study on this.
Speaker 2: We looked at we decided so right now it's competitive,
Speaker 2: as if you're looking for a home, it's competitive out
Speaker 2: there depending on where you're looking. Inventory is low, meaning
Speaker 2: there's not a lot of new houses being built, and
Speaker 2: there's more people who want houses, so supply and demand,
Speaker 2: so the prices at home are going up. So it's
Speaker 2: just it's really expensive to buy homes right now. But
Speaker 2: also the buyers are what make it competitive. Like if
Speaker 2: you're up against someone who not only comes with a
Speaker 2: twenty percent down payment, but has a higher credit score
Speaker 2: and comes pre approved for a mortgage, they're going to
Speaker 2: knock you out of the race if you haven't come
Speaker 2: with those similar characteristics. So we actually analyze like over
Speaker 2: a million home purchase a mortgage loan requests through lending
Speaker 2: tree dot Com recently and looks at one hundred different
Speaker 2: cities and found the most competitive market. So if you're
Speaker 2: shopping in a place like Denver, Colorado, the third most
Speaker 2: competitive market. On average, people are putting down sixteen percent
Speaker 2: over like nearly two thirds have been pre approved for
Speaker 2: a mortgage San Francisco number one. The average there is
Speaker 2: eighteen and nineteen percent for a down payment. I think
Speaker 2: it's this is really help well. I'll post a link
Speaker 2: to this in the show. So if you want to
Speaker 2: look and see where your city falls, like, maybe you
Speaker 2: can get a sense of who you're up against when
Speaker 2: you're out there shopping for a home. Not only will
Speaker 2: it make you more competitive, but like Kim you mentioned,
Speaker 2: and like Tiffany said, you're going to avoid playing for
Speaker 2: mortgage insurance. That being said, some people may choose to
Speaker 2: maybe put down a lower down payment. There are loan
Speaker 2: options if you have a low down payment, and even
Speaker 2: some loan options that require no down payment. We did
Speaker 2: a guide on this recently, so I just pulled it
Speaker 2: up so Sofi. Sofi offers a mortgage, has no mortgage
Speaker 2: insurance requirement and you only have to put down ten percent, okay,
Speaker 2: and that Sofi is a new a new player in
Speaker 2: the lender space. I like Sofi a lot. I think
Speaker 2: they're a great lender. So write that down if you're
Speaker 2: looking for a low down payment mortgage and you don't
Speaker 2: want to have to deal with mortgage insurance. The thing
Speaker 2: with Sofi is the reason they're able to do that
Speaker 2: is because they have higher credit requirements, So you will
Speaker 2: need a credit score of about seven hundred or higher
Speaker 2: likely to qualify for SOFI. Then there's now there's like
Speaker 2: federal programs. There's an FH loan if you put down
Speaker 2: you can put down as little as three point five percent,
Speaker 2: but you will have to pay mortgage and mortgage insurance premium.
Speaker 2: I think it's called same thing as private mortgage insurance.
Speaker 2: You can put down three and a half percent to
Speaker 2: ten percent, depending on your FICO score. Then there's us
Speaker 2: AD a us D A loan. So this is for
Speaker 2: people who are buying homes in rural areas. And you'd
Speaker 2: be surprised what the Department of Agriculture considers rule It
Speaker 2: doesn't it doesn't mean out in the boonies necessarily. So
Speaker 2: you can go to USDA dot gov and put in
Speaker 2: your zip code for where you're thinking about buying and
Speaker 2: they'll tell you if that's considered a rule environment and
Speaker 2: that's no down payment required. There's also a Home Ready
Speaker 2: program which is offered by fan EMA that's a three
Speaker 2: percent down payment. There is a mortgage insurance requirement, and
Speaker 2: the last one I was going to mention was VA loans.
Speaker 2: So if you're a veteran, there's no down payment required
Speaker 2: on a fur VA loan, and there's no mortgage insurance either.
Speaker 1: And you want to make sure when it comes to
Speaker 1: PMI because I believe don't quote me on a but
Speaker 1: FAHA that there's no So if you get like a
Speaker 1: regular loan and you put down less than twenty percent, right,
Speaker 1: and then once you get to about twenty twenty two percent,
Speaker 1: you can then have the PMI dropped. There are some
Speaker 1: loan products that there is no dropping the PMI even
Speaker 1: once you get to over twenty percent equity in the home.
Speaker 2: Yeah. What a lot of people do with FAHA, and
Speaker 2: specifically for that reason, is they'll refinance it into a
Speaker 2: conventional loan. So when you get to a certain point,
Speaker 2: you can say, Okay, I'm ready, I'm gonna I'm gonna
Speaker 2: refinance out of my f h A loan to a
Speaker 2: conventional loan with another lender. Once you've got up to
Speaker 2: a certain amount of equity to where you qualify for refinance.
Speaker 1: Yeah.
Speaker 2: Yeah, And that's that's one thing you can do if
Speaker 2: you if you if you put down a load down
Speaker 2: payment too and you're paying mortgage insurance. Once you get
Speaker 2: to that equity sweet spot where you have twenty percent equity,
Speaker 2: you can try you can try to refinance out of
Speaker 2: that loan to get rid of that PMI requirement.
Speaker 1: And know too that they are banks that offer, like
Speaker 1: right now, M and T like milk and tomatoes. I
Speaker 1: don't know M and T. I didn't know what else
Speaker 1: with that milk and tacos. So M and T Bank
Speaker 1: is a bank that we were actually gonna use Superman
Speaker 1: and I before we decided to pay cash because M
Speaker 1: and T was offering uh, I want to say, uh
Speaker 1: six percent or up to like eighteen or nineteen thousand
Speaker 1: dollars toward closing costs because M ANDT was found doing
Speaker 1: some like, you know, disreputable things to folks that are brown,
Speaker 1: so Latina, Latino and black folks. And so if you
Speaker 1: are a person of color and you're wanting to live
Speaker 1: in a neighborhood which is fifty percent or more people
Speaker 1: of color than M and T, if you get your
Speaker 1: mortgage to them, they and that's literally it. There's no
Speaker 1: other income requirement or whatever. Because we were looking at
Speaker 1: a bunch of houses and we just gave them the
Speaker 1: zip code and they say, yep, that fits the criteria
Speaker 1: and we would we would get up to I think
Speaker 1: it was like eighteen something, eighteen thousand something. So there
Speaker 1: are you might be able to use that to help
Speaker 1: you with that. So there are programs like that, and
Speaker 1: they don't widely talk about that, like if you do
Speaker 1: a Google search. It took me forever to find it
Speaker 1: and I just called and they were like, yeah, we
Speaker 1: do have that program.
Speaker 2: Yeah, just doing a search for your city and then
Speaker 2: down payment assistant programs or first time home buyer programs.
Speaker 2: You never know what may be offered in your local
Speaker 2: community by your local banks that are out there exactly.
Speaker 1: We have one good question.
Speaker 2: Yeah, let's do a quick question. This is from listener Asia.
Speaker 2: Asia has a credit report question. She says, I just
Speaker 2: requested my credit report from all three bureaus. After looking
Speaker 2: it over, I've noticed there is thirteen inquiries, which none
Speaker 2: of which not sure we're considered hard or not, but
Speaker 2: thirteen inquiries that have posted in the past year, and
Speaker 2: I only recognize two out of the thirteen inquiries. It's
Speaker 2: clear to me that some sort of fraud has taken place.
Speaker 2: I have a suspicion who it might be. My question
Speaker 2: is what can I do to have these inquiries removed,
Speaker 2: have a fraud alert placed at my credit reporter accounts,
Speaker 2: and prevent this from happening in the future. Thanks in
Speaker 2: advance Asia, Then there girl happened to me. Yes, question one,
Speaker 2: have the inquiries removed?
Speaker 1: Yes, she can have inquiries removed, but I will one
Speaker 1: make sure that because sometimes you'll have an increy and
Speaker 1: it's a soft inquiry, you know, so you want to
Speaker 1: make sure that the thirteen are indeed like increase where
Speaker 1: somebody gave your information in order to get you know,
Speaker 1: credit or whatever in order to incur more debt, because
Speaker 1: it could just be like if someone sends you like
Speaker 1: a soft solicitation, like hey, you've been pre approofd for
Speaker 1: a credit card. That's also an inquiry, but it's a
Speaker 1: soft inquiry. It doesn't affect you. So I would just say,
Speaker 1: first do.
Speaker 2: That and if you if they really are a hard
Speaker 2: inquiry and someone's actually open an account, she doesn't mention
Speaker 2: if like they're actually tied to an account that's been opened,
Speaker 2: you can dispute those through each You have to do
Speaker 2: it through each of the three credit bureaus, but each
Speaker 2: bureau will have a dispute form where you can say, hey,
Speaker 2: I don't recognize this inquiry or I don't recognize this account,
Speaker 2: it's fraudulent, and then they'll start the investigation. I think
Speaker 2: they have like forty five days by law to get
Speaker 2: back to you. Thirty or forty five days. Number two
Speaker 2: she I think number two and number three maybe the
Speaker 2: same thing. But she wants to know about adding a
Speaker 2: fraud alert on her credit report. I think that I'm
Speaker 2: pretty sure each of the three bureaus has some sort
Speaker 2: of fraud alert system that you can sign up for
Speaker 2: if you've been a victim of one of these data breaches, like,
Speaker 2: for example, the Equifax data breach. They offer they actually
Speaker 2: offered some free credit monitoring services, so you can actually
Speaker 2: get it for free that way. Or you could do
Speaker 2: what I did. Do what I did, which is to
Speaker 2: put a credit freeze on my accounts on all three bureaus,
Speaker 2: and that just means that nobody's allowed to open a
Speaker 2: credit card or open an account. You know, I realized
Speaker 2: I couldn't even open a CD because I had a
Speaker 2: credit freeze. I had to thaw my report before I
Speaker 2: could open up a CD account recently, which you know,
Speaker 2: it was fine, but it just prevents that it prevents
Speaker 2: anybody but you from opening up an account.
Speaker 1: And so like I said, you know, I have a
Speaker 1: LifeLock because I was having so much trouble with people like, well,
Speaker 1: not me, but Superman was just I don't know, people
Speaker 1: were stilling his identity left and right, like somebody bought
Speaker 1: a car, just all of this stuff. So finally he
Speaker 1: got LifeLock and then he's like he really should get
Speaker 1: it too, And I've paid like what ten bucks a month,
Speaker 1: and I get like a notification like if I try
Speaker 1: to open up a bank account, even myself, I get
Speaker 1: a notification like, hey, Tiffany, someone's at a bank trying
Speaker 1: to open up a bank account. Is that you. They'll
Speaker 1: text me and they'll email me and I have to
Speaker 1: say yes or no. So it might just be worth
Speaker 1: worth it, you know, to look into that as well.
Speaker 2: Yeah, So those types of services are identity identity monitoring.
Speaker 1: Yeah, not even monitoring, because the monitoring stuff is usually free.
Speaker 1: It's literally a protection so it stops people. So like
Speaker 1: for example, like this credit sess to me might have
Speaker 1: identity monitoring, which means, you know, they'll show you, Hey,
Speaker 1: these things are happening, but they won't stop people from
Speaker 1: opening up account. So something like a LifeLock, Well, if
Speaker 1: someone tries to open an account, even if it is you,
Speaker 1: there's another firewall that pops up with you yourself. They'll
Speaker 1: call you, they'll texture, they email you to have clear verification,
Speaker 1: like yes, that's me. Continue all right, quick wins? Do
Speaker 1: you have a win?
Speaker 2: Quick? Quick? Quick? I cannot not give a win to
Speaker 2: the cast of get Out and the director of get Out,
Speaker 2: Jordan Peele, who was nominated for an Oscar Today, which
Speaker 2: is like what a psychological thriller about race? Nominated for
Speaker 2: an Oscar for Best Picture and Best Director, Like that
Speaker 2: is amazing, and so was the actor Daniel Kalua who
Speaker 2: started that movie was nominated as Best Actor alongside Denzel
Speaker 2: A lot of a lot of like brown, brown girl,
Speaker 2: brown guy. Magic. Yeah, they're listening, it's happening.
Speaker 1: And so mine is just just a quick win from
Speaker 1: miss Mary J. Blige because she she got nominated for
Speaker 1: her role in Mudbound, which is I guess it's a
Speaker 1: Netflix yes book.
Speaker 2: I read that.
Speaker 1: That's really good, you know, because Mary Mary's you know,
Speaker 1: she's had a quite a rough year with with you know,
Speaker 1: can do and all can't don't and you know all
Speaker 1: that he's put her through. And I'm like, Mary right
Speaker 1: now is winning on winning. She got her star, her
Speaker 1: Walk of Fame, her you know, on her birthday. So
Speaker 1: I hope he's over there getting his absolute worst life
Speaker 1: as he watches his wife, his ex wife blow up.
Speaker 1: He tried to tear my girl Mary down. And so
Speaker 1: just a little extra grease for your elbow, Mary, That's
Speaker 1: what Nigerians say when they were like, go, hey girl,
Speaker 1: more grease to your elbow. And yeah, just it's it's
Speaker 1: dope to see all of this Brown is shining during
Speaker 1: the award season and and what was his sterling k Brown?
Speaker 1: You know this is us Like, didn't he get the SAG.
Speaker 2: Award continues making history as the first African American I
Speaker 2: had to win all these awards.
Speaker 1: Yeah, he cried and I was like yes, so yeah,
Speaker 1: So that's winds good on good, And hopefully we have
Speaker 1: a little surprise for you coming up right. We're you know,
Speaker 1: we're gonna tease at it, but hopefully we'll have like
Speaker 1: a really dope interview. You know, we don't do interviews
Speaker 1: very often, but I think this person is gonna be amazing.
Speaker 1: If I'm able to be here, I will. If not,
Speaker 1: you already know, Mandy, got y'all and yes, and you
Speaker 1: know I will be listening from my bed as I
Speaker 1: order Superman around because I won't be able to get
Speaker 1: up for two for a few days. Like give it,
Speaker 1: give it X. Yeah, I have a bell. Oh, I
Speaker 1: should get a bell. I would be divorced within a
Speaker 1: week with the bell.
Speaker 2: I'll just do what I do in text. Hello, sir
Speaker 2: ten feet away. Well, everything is gonna go well, and
Speaker 2: I wish you a speedy recovery. And I can't wait
Speaker 2: to hear from you and hear that everything went perfectly
Speaker 2: and you're well on your way to get them. Twins.
Speaker 1: Twins, honey, twins, You just wait them. Twins are common