WEBVTT - Ep. 112 — Tiffany preps for surgery; Mandi uncovers her Nigerian roots; We talk low down payment mortgages

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<v Speaker 1>Hey, hey, hey, well back, we're black and brown.

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<v Speaker 2>Last time I checked. Oh you know what I found out?

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<v Speaker 2>My brother texted me, so this Hi, I'm Mandy. This

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<v Speaker 2>is brown ambition. You're here. You made it? Yes, that's Tiffany.

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<v Speaker 2>So my little brother had got my dad a DNA

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<v Speaker 2>test for Christmas. You know, it's ancestry dot com DNA test.

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<v Speaker 2>And actually my husband got me one from the other

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<v Speaker 2>DNA test. It's called the Google one twenty three and me, okay, anyway,

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<v Speaker 2>I was like, okay, great, I'll see if these are accurate.

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<v Speaker 2>I'll see what my dad says and then compare it

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<v Speaker 2>to mine. I don't have mine yet. But my my

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<v Speaker 2>brother texted me and he's meanwhile, we all know my

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<v Speaker 2>father's black, right, Yeah. He's like, so dad is African.

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<v Speaker 2>I'm like, yeah, not surprising. And he's like, he's West African. Yeah,

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<v Speaker 2>so is like anybody who descended from slaves, right, So

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<v Speaker 2>it's pretty funny he actually has he's like nineteen percent

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<v Speaker 2>and Nigerian. Yeah, okay, what does that make me? Like

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<v Speaker 2>twenty five I don't know, fifteen no, ten percent Nigerian.

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<v Speaker 2>I don't know how that works out like that. And

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<v Speaker 2>then he's twenty percent Senegalese okay, and the rest of

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<v Speaker 2>them ben In, Thanks beanin fourteen percent, Cameroon, ten percent,

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<v Speaker 2>Ivory Coast, Ghana, and then ten percent it says Africa

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<v Speaker 2>Southeastern Bantu. What is that. I think it's like maybe

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<v Speaker 2>a region that might I don't know, I might cover

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<v Speaker 2>part of South Africa. Anyhow, what I found hilarious, well

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<v Speaker 2>not hilarious, kind of sad, was so obviously my dad's

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<v Speaker 2>people defense descended from slaves and when they got to America,

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<v Speaker 2>because it shows like how far his lineage just has

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<v Speaker 2>his lineage has moved. We haven't gotten further than like Louisiana.

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<v Speaker 2>It's like Georgia, the Carolina's, it's very much like in

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<v Speaker 2>the southeastern part of the US. So that's my that's

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<v Speaker 2>my people.

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<v Speaker 1>Wow, that's awesome. I can't wait to hear your results.

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<v Speaker 1>I'm actually really curious. I kind of want to do

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<v Speaker 1>mine just to see like is it true, you know,

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<v Speaker 1>because I mean according to my people, like you know,

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<v Speaker 1>like we're Nigerian and but I do know like for example,

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<v Speaker 1>Lovey did I think she did twenty three and me

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<v Speaker 1>and she found out actually that she was more. Oh,

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<v Speaker 1>what's the neighboring country. I don't know if it was Cameroonian,

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<v Speaker 1>but she was more of the more of the neighboring country.

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<v Speaker 1>I can't remember what country she said. Then she was

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<v Speaker 1>actually Nigeria and she was trying to figure out, oh why.

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<v Speaker 1>But because here's the thing, Like Lovey is Uraba. And

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<v Speaker 1>we have to remember that during the Council of Whatever

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<v Speaker 1>like or the at some point European countries sliced and

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<v Speaker 1>diced up Africa and they created these countries. But if

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<v Speaker 1>you look at Lovey and you know like what she is,

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<v Speaker 1>which is African and Yorba, what you will find is

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<v Speaker 1>that there is Yorba. The real country or land of

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<v Speaker 1>Yurba overlaps those two countries. So it's not that it's like, oh,

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<v Speaker 1>you know, you're not Nigerian. No, she's truly Yourba. Like

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<v Speaker 1>it it like so if these two countries are neighboring,

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<v Speaker 1>Yorba land is on both sides of the country, and

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<v Speaker 1>just the line was drawn and all of a sudden,

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<v Speaker 1>you're Nigerian. But it's like no, I'm just so. And

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<v Speaker 1>what they found too is that she's very very Urba,

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<v Speaker 1>meaning like they were really excited to get her DNA

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<v Speaker 1>into the system because her DNA is now a marker

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<v Speaker 1>to set for other people to see how you're about

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<v Speaker 1>or how Nigerian or how Cameronian and whatever they are.

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<v Speaker 1>Because it's like your mom is, you're about your dad is,

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<v Speaker 1>you're about your grandparents and your grandparents and your grandparents

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<v Speaker 1>and your grand you know what I mean, Like you

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<v Speaker 1>don't get too many people. Yeah, so I'm really curious

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<v Speaker 1>to see with my people, like I know that like

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<v Speaker 1>on at least on my dad's side, I know, like

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<v Speaker 1>my dad can go back up at four generations, like

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<v Speaker 1>when Aliche, which is my last thing, well not so

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<v Speaker 1>much anymore, but Aliche was like like was just one name,

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<v Speaker 1>like when my great great great great grandfather his name

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<v Speaker 1>was Alich, and then when our village was founded by

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<v Speaker 1>four brothers, and so it's just like he could go

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<v Speaker 1>back that far because we have like African telling oral

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<v Speaker 1>history and so every kid in the village can go

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<v Speaker 1>back that far. But so it would be interesting to

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<v Speaker 1>see if there's like any deviation or are we just

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<v Speaker 1>super Ebo you.

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<v Speaker 2>Know, yeah, I mean it's also every country I listen

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<v Speaker 2>to my that is from, they're all basically neighboring countries

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<v Speaker 2>on the West coast. You know, one of the origins

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<v Speaker 2>of the slave trade. And you know, if you ever

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<v Speaker 2>read the book Homegoing, I had talked about it before

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<v Speaker 2>on the show. It's by yag Yasi. I learned more

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<v Speaker 2>about the slave trade and the history of West Africa

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<v Speaker 2>from that book than I ever learned in school. And

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<v Speaker 2>it is. It is a fantastic book. It tells it

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<v Speaker 2>starts at the beginning. It starts I think in Ghana.

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<v Speaker 2>The author is Ghandian, and it starts with the tribe

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<v Speaker 2>in Ghana, the very first tribe who selled their people

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<v Speaker 2>to the Europeans as slaves. And it tells one story,

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<v Speaker 2>one person's story, from every descendant of that family through

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<v Speaker 2>the books all the way up until I think the

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<v Speaker 2>nineteen eighties. Is just like phenomenal that I highly recommend it.

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<v Speaker 2>It's awesome. I have a little bit of read it too.

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<v Speaker 1>What is it.

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<v Speaker 2>It's called Homegoing by yah Kyasi. Let me look it up.

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<v Speaker 1>That sounds interesting, Yeah.

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<v Speaker 2>Yah Yasi, it's y Aa g y A s I

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<v Speaker 2>I'll post a Lincoln and the show notes too, because

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<v Speaker 2>me by the have me by it was like squeezing

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<v Speaker 2>my heart the entire time reading that book.

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<v Speaker 1>That's like the book by uh Chimamanda. Oh yeah, she

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<v Speaker 1>wrote this book called Half a Yellow Sun, and you know,

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<v Speaker 1>for most people of the context, it's like, oh okay,

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<v Speaker 1>but it was crazy because it's that book talks about

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<v Speaker 1>the Nigerian Civil War, which put Ebos, who live in

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<v Speaker 1>the south and kind of west against the rest of

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<v Speaker 1>the country. And my parents lived through that and to read,

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<v Speaker 1>I mean because my dad used to tell the stories

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<v Speaker 1>when we were younger, but to read it and like

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<v Speaker 1>knowing and like putting things together, Like I remember, they

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<v Speaker 1>didn't go to school for a few years. Like my mom,

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<v Speaker 1>who grew up as a city girl. All these Ebos

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<v Speaker 1>had to leave major cities because they're being literally killed

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<v Speaker 1>and had to go back to their ancestral lands, which

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<v Speaker 1>is the village. And that's where my mom and dad

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<v Speaker 1>met because my mom was you know, although they had

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<v Speaker 1>land in the village, she wasn't a village girl, but

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<v Speaker 1>my dad was a village guy. So it's almost like

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<v Speaker 1>if a civil war were to hit and like you

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<v Speaker 1>had to go back down south to like you know,

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<v Speaker 1>where your people are from, you know, to not be

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<v Speaker 1>killed because right now in the big city, if they

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<v Speaker 1>find out that you're evil, Like there were stories of

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<v Speaker 1>a plane being about to take off people like evils

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<v Speaker 1>were trying to leave and them stopping the plane and

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<v Speaker 1>having people say certain words in Urbi and other languages

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<v Speaker 1>to see if you said it with an evil accent

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<v Speaker 1>and killing you right there. It was crazy times and starving,

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<v Speaker 1>like starving like the South, and to try to make

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<v Speaker 1>them to submit. It was just to read it though

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<v Speaker 1>and know like asking my parents like that happened, and

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<v Speaker 1>like seeing like my aunts and my uncles and asking

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<v Speaker 1>them because you know, my dad is in his seventies,

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<v Speaker 1>my mom is in her sixties and so it's not

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<v Speaker 1>that long ago, and just being able to kind of say, Daddy,

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<v Speaker 1>did you know did this happen? Did you live through this?

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<v Speaker 1>And so it was really now that had me like

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<v Speaker 1>in tears, like I can't believe you live through that?

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<v Speaker 1>How did you even live? You know? Yeah, that's such

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<v Speaker 1>a great book, but I think even more so it

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<v Speaker 1>just touched me just being ebo and reading like, you know,

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<v Speaker 1>this history of my people and just just you know,

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<v Speaker 1>how what a devastating time that was. Yes, some books

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<v Speaker 1>have you like on your back, like lot.

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<v Speaker 2>You know the best. Those are two great recommendations. I've

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<v Speaker 2>had Half a Yellow Son on my bookshelf for a

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<v Speaker 2>while and I haven't read it yet. I've read Americana

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<v Speaker 2>and then we should all be feminists. By I think

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<v Speaker 2>I butchered her last name. It's Ngozi and g Ozi

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<v Speaker 2>Jim in London and Gozi Adichi excellent.

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<v Speaker 1>Yes, okay, So for those of you who know my surgeries,

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<v Speaker 1>in a couple of days, I'm both nervous and relieved.

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<v Speaker 1>I'm like, I'm so I'm ready, but I'm so glad

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<v Speaker 1>they're gonna be knocking me out because I was worried.

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<v Speaker 1>I mean, I guess I figured, but they it's imilar

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<v Speaker 1>to like fibroid surgery. From what I understand, the one

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<v Speaker 1>I'm getting is like similar to like a C section,

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<v Speaker 1>so I know during a C section, they don't knock

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<v Speaker 1>you out. So I was like, wait, you're gonna knock

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<v Speaker 1>me out right because I don't want to be like awake,

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<v Speaker 1>and they're like, yes, Tiffany, you will not be awake.

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<v Speaker 1>So I'm like, eh, so I'm curious. Part of me

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<v Speaker 1>wants to be like so I want to see what

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<v Speaker 1>it looks like when you take them out. No, because

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<v Speaker 1>a friend of mine just posted on Facebook she actually

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<v Speaker 1>has two days worth of fiveboards, so she has seventeen.

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<v Speaker 2>Oh my god, I didn't realize.

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<v Speaker 1>You know, it's not until like you share that you're

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<v Speaker 1>going through something that you realize how many people are

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<v Speaker 1>going through. I would I could honestly say, if I've

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<v Speaker 1>told ten women that I'm getting fibroid surgery, at least

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<v Speaker 1>I would say four have said, oh I have five

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<v Speaker 1>words too, or I had the surgery, or you know,

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<v Speaker 1>like it's so just the amount of women that and

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<v Speaker 1>have just listened to the podcast. So many of you

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<v Speaker 1>have reached out to me, thank you so much.

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<v Speaker 2>Who are like, yeah, me too, don't google it. Who

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<v Speaker 2>that was a mistake, you know, like a fleshy grapefruit.

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<v Speaker 1>Yeah, that's basically what it looks like. It's like just

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<v Speaker 1>this fleshy ball and they cannot figure out why they grow,

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<v Speaker 1>and they're really prevalent, and women in their like thirties

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<v Speaker 1>and forties, and so yeah, it's just I mean, and

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<v Speaker 1>it's pretty common surgery. You don't really you know, so

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<v Speaker 1>I'm you know, I can honestly say I'm not nervous

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<v Speaker 1>just because it's not I'm like my husband had and

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<v Speaker 1>yours in brain surgery. Now that's you know, like, ah,

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<v Speaker 1>super risky because you know, one false move. But I

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<v Speaker 1>feel like the surgery is common enough, but still it's surgery,

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<v Speaker 1>and when they put you under, there's always a risk

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<v Speaker 1>of not coming back. And you know, they were like

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<v Speaker 1>they're asking all these questions with beforehand, like a week

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<v Speaker 1>before you have to kind of go through prep where

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<v Speaker 1>they tell you like they'll eat for a certain time

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<v Speaker 1>and what not to take, and don't worry, you know,

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<v Speaker 1>don't worry the jewelry when you come in, just like

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<v Speaker 1>all these different things. And she was like, is there

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<v Speaker 1>anything that would prevent you from like you know, religious

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<v Speaker 1>for religious reasons whatever, for you not to get like

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<v Speaker 1>a blood transfusion. I'm like, wait, what just in case,

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<v Speaker 1>like you know that they're doing surgery and you start

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<v Speaker 1>bleeding uncontrollably, I'm like, yikes. I was like, give me

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<v Speaker 1>blaed I'm fine. Girls. Just stuff like that. But I'm

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<v Speaker 1>also really excited to finally move past this part and

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<v Speaker 1>just be like who we sigh and oh and good

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<v Speaker 1>news about the house, I finally can share we are

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<v Speaker 1>ready to close, but I decided we're actually gonna push

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<v Speaker 1>to closing because I'm like, well, I don't so two things.

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<v Speaker 1>The bank has been just like h just a mess.

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<v Speaker 1>But we finally have to deed and my realtors that

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<v Speaker 1>we can close anytime. But I told her, you know,

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<v Speaker 1>I'm having a surgery, and she's like, well, how long

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<v Speaker 1>would you have to be in the house. I said

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<v Speaker 1>for about the month of February for the bolt part.

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<v Speaker 1>So she was like, well, how about this. It doesn't

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<v Speaker 1>make sense to close now because I was going to

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<v Speaker 1>close before, she said, because you won't be able to

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<v Speaker 1>get to the house for a month. If you close

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<v Speaker 1>first thing in March one, it gives them time to

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<v Speaker 1>because of the trouble that they've put us through of

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<v Speaker 1>getting the house. She requested what's called the seller's concession,

0:12:09.480 --> 0:12:11.880
<v Speaker 1>where the seller can sde something to you. So we

0:12:11.960 --> 0:12:14.040
<v Speaker 1>asked for money off. They said no because they had

0:12:14.080 --> 0:12:16.040
<v Speaker 1>already given us five thousand dollars off when we put

0:12:16.040 --> 0:12:17.640
<v Speaker 1>the initial bid in. We got the house for one

0:12:17.720 --> 0:12:20.000
<v Speaker 1>eighty instead of one eighty five. So she said, well,

0:12:20.040 --> 0:12:22.880
<v Speaker 1>at least will you deliver the house broom swept because

0:12:22.880 --> 0:12:25.040
<v Speaker 1>the house is a foreclosure. So there's still a ton

0:12:25.080 --> 0:12:27.360
<v Speaker 1>of furniture and stuff in there, which we would have

0:12:27.400 --> 0:12:29.880
<v Speaker 1>to get a dumpster for and a permit, and we

0:12:30.000 --> 0:12:33.080
<v Speaker 1>have to pay to have the garbage remove whatever. And

0:12:33.080 --> 0:12:35.920
<v Speaker 1>they said, yeah, so they will pay for someone to

0:12:36.960 --> 0:12:39.160
<v Speaker 1>clean the house and bring it to us empty, which

0:12:39.160 --> 0:12:41.240
<v Speaker 1>is a you know, that could be a few thousand dollars.

0:12:41.559 --> 0:12:43.640
<v Speaker 1>It costs depending on how much stuff it is, because

0:12:43.679 --> 0:12:46.400
<v Speaker 1>sometimes make you pay for trash by the pound if

0:12:46.400 --> 0:12:48.319
<v Speaker 1>you're taking a dumbster away. So she said, if I

0:12:48.360 --> 0:12:49.800
<v Speaker 1>are you, I will go in there, rip up any

0:12:49.800 --> 0:12:53.000
<v Speaker 1>carpet you don't want, and just like get all anything

0:12:53.000 --> 0:12:54.400
<v Speaker 1>that you don't want in the house let them take

0:12:54.400 --> 0:12:56.120
<v Speaker 1>it out. So I said okay, And then she said

0:12:56.120 --> 0:13:00.800
<v Speaker 1>two February quarter one taxes are due, and I think

0:13:00.840 --> 0:13:03.719
<v Speaker 1>our taxes are like six hundred something bucks a month

0:13:03.800 --> 0:13:06.040
<v Speaker 1>or whatever. So she was like, let them pay Q

0:13:06.240 --> 0:13:08.720
<v Speaker 1>on taxes. That's your concession right there that way, because

0:13:08.760 --> 0:13:10.520
<v Speaker 1>you don't own the house yet, since you know, you

0:13:10.520 --> 0:13:13.080
<v Speaker 1>can decide you're closing later. So I was like, woo woo.

0:13:13.120 --> 0:13:15.160
<v Speaker 1>My realtor is the bomb dot com. So we're gonna

0:13:15.200 --> 0:13:17.840
<v Speaker 1>let them pay taxes, let them clean it out and

0:13:18.280 --> 0:13:21.400
<v Speaker 1>we'll close the first thing in March and to a

0:13:21.480 --> 0:13:23.520
<v Speaker 1>clean house and we can do whatever we want with

0:13:23.559 --> 0:13:24.080
<v Speaker 1>it from there.

0:13:25.120 --> 0:13:31.200
<v Speaker 2>That makes sense. Oh yeah, I'm excited springtime a new house, I.

0:13:31.240 --> 0:13:33.640
<v Speaker 1>Know, and like the weather, like hopefully it'll break because

0:13:33.640 --> 0:13:35.240
<v Speaker 1>that was my concern. I'm like, oh, no one wants

0:13:35.240 --> 0:13:38.240
<v Speaker 1>to do any like work, construction stuff whatever and when

0:13:38.240 --> 0:13:41.400
<v Speaker 1>it's cold. And she told us, she was like, she

0:13:41.520 --> 0:13:43.960
<v Speaker 1>just texted me a little while ago. She said, just

0:13:44.040 --> 0:13:47.640
<v Speaker 1>so you know, I got the updated comp for your

0:13:47.640 --> 0:13:49.599
<v Speaker 1>house about like what your house is currently worth in

0:13:49.640 --> 0:13:52.880
<v Speaker 1>its current state, and it's currently worth about three hundred

0:13:52.880 --> 0:13:55.920
<v Speaker 1>and sixty six thousand dollars. She was like, give her take,

0:13:56.200 --> 0:13:57.839
<v Speaker 1>and I was like wow. She was like, but I

0:13:57.880 --> 0:14:00.800
<v Speaker 1>think with the with whatever audition, in whatever you know,

0:14:00.840 --> 0:14:02.360
<v Speaker 1>you fix it up to. She's like, I really can

0:14:02.440 --> 0:14:04.520
<v Speaker 1>see your house being worth more than four hundred thousand.

0:14:04.640 --> 0:14:07.760
<v Speaker 1>And meanwhile, we bought it for one eighty and we

0:14:07.760 --> 0:14:11.760
<v Speaker 1>were really fortunate because doing foreclosures, you just never know

0:14:11.880 --> 0:14:14.400
<v Speaker 1>like when when the house was being foreclosed upon, I

0:14:14.440 --> 0:14:16.560
<v Speaker 1>don't know what the original people bought it for, but

0:14:16.840 --> 0:14:19.640
<v Speaker 1>they owed three seventy on the house when they bought it,

0:14:19.840 --> 0:14:21.760
<v Speaker 1>and the bank really wanted two twenty. They wanted to

0:14:21.760 --> 0:14:24.040
<v Speaker 1>recoup at least through twenty, but we got it for,

0:14:24.760 --> 0:14:26.760
<v Speaker 1>like I said, one eighty. So they're going that's why

0:14:26.760 --> 0:14:28.840
<v Speaker 1>they were like Salad's concession of five thousand, and we're

0:14:28.880 --> 0:14:33.200
<v Speaker 1>already losing body, you know. So yeah, so they wanted

0:14:33.200 --> 0:14:34.680
<v Speaker 1>to two twenty. We got it for one eighty and

0:14:34.680 --> 0:14:37.520
<v Speaker 1>they were old three seventy, which just goes to show

0:14:37.560 --> 0:14:40.160
<v Speaker 1>you like, yeah, there's deals out there. It's I mean,

0:14:40.160 --> 0:14:41.800
<v Speaker 1>they're not you know, people will make you think like, oh,

0:14:41.800 --> 0:14:44.880
<v Speaker 1>there's foreclosures everywhere that aren't like are great. But with

0:14:44.960 --> 0:14:47.320
<v Speaker 1>the little patients, you can find a deal out there

0:14:47.000 --> 0:14:50.080
<v Speaker 1>if you're willing. When you're looking for a home.

0:14:50.360 --> 0:14:52.520
<v Speaker 2>Yeah, a lot of patients. You guys started this process

0:14:52.640 --> 0:14:54.040
<v Speaker 2>back in what like.

0:14:54.840 --> 0:14:57.200
<v Speaker 1>A year ago? Yeah, no, well further than that, like

0:14:57.240 --> 0:14:59.800
<v Speaker 1>it's been more than a year. Like we started this

0:15:00.000 --> 0:15:02.920
<v Speaker 1>particular house process back in September, but before that, we

0:15:02.920 --> 0:15:06.000
<v Speaker 1>were looking for a house for almost a year. Before that,

0:15:06.040 --> 0:15:09.360
<v Speaker 1>we were trying everything like maybe a multi family regular mortgage.

0:15:09.400 --> 0:15:12.280
<v Speaker 1>Remember we were talking about that then. But you know,

0:15:12.440 --> 0:15:12.960
<v Speaker 1>with do you.

0:15:12.920 --> 0:15:15.360
<v Speaker 2>Think the fact that you paid cash all cash, that

0:15:15.360 --> 0:15:17.240
<v Speaker 2>that helped you as well get a better deal than

0:15:17.280 --> 0:15:18.680
<v Speaker 2>someone who may be with financing.

0:15:19.560 --> 0:15:22.760
<v Speaker 1>Oh yeah, for sure, because the we got this house

0:15:22.840 --> 0:15:26.240
<v Speaker 1>on a it's called like realty bid or something like that.

0:15:26.240 --> 0:15:28.600
<v Speaker 1>That was the website. And so when you go on

0:15:28.640 --> 0:15:32.600
<v Speaker 1>some of these auction websites, sometimes the people selling it

0:15:32.640 --> 0:15:35.680
<v Speaker 1>will stipulate will only sell. Sometimes they'll say, you know,

0:15:35.720 --> 0:15:37.840
<v Speaker 1>we'll take all kinds of financing, and sometimes like if

0:15:37.840 --> 0:15:40.560
<v Speaker 1>it's like lots of times, banks are like, we're selling

0:15:40.560 --> 0:15:43.040
<v Speaker 1>it so cheap, we'll only take cash. So that definitely,

0:15:43.920 --> 0:15:47.200
<v Speaker 1>that definitely helped. But you can find or foreclosure that

0:15:47.560 --> 0:15:50.440
<v Speaker 1>is that you can finance. That's definitely out there. It's

0:15:50.520 --> 0:15:53.640
<v Speaker 1>just about it. With foreclosures, there's so many things that

0:15:53.640 --> 0:15:56.040
<v Speaker 1>can go wrong because there has to be a shift

0:15:56.080 --> 0:15:58.640
<v Speaker 1>in ownership. So if at any time the ball was dropped,

0:15:58.640 --> 0:16:00.880
<v Speaker 1>it's like who actually owns a house And when the

0:16:00.920 --> 0:16:03.000
<v Speaker 1>bank put it on the website, they didn't even own

0:16:03.040 --> 0:16:05.200
<v Speaker 1>the house yet because they didn't have the deed. Yes,

0:16:05.240 --> 0:16:07.520
<v Speaker 1>they might have taken the house back, but if the

0:16:07.560 --> 0:16:10.080
<v Speaker 1>deed is still in the previous owner's name, they still

0:16:10.120 --> 0:16:13.000
<v Speaker 1>had ownership. So that process of switching the deep over

0:16:13.520 --> 0:16:15.560
<v Speaker 1>can take months and then they have to switched the

0:16:15.560 --> 0:16:17.600
<v Speaker 1>deed over now to us, you know. So it was

0:16:17.800 --> 0:16:20.400
<v Speaker 1>for a lot of realtors won't do foreclosures because of

0:16:20.400 --> 0:16:24.080
<v Speaker 1>this this long drawn out pop process. And I have

0:16:24.160 --> 0:16:27.480
<v Speaker 1>to say, like, my for what she's getting paid, you know,

0:16:27.560 --> 0:16:30.440
<v Speaker 1>because she gets her three percent or whatever commission it's

0:16:30.800 --> 0:16:32.640
<v Speaker 1>for and for the work that she did, it's not

0:16:32.760 --> 0:16:36.200
<v Speaker 1>net net even. But my realtor, Ameana, is smart because

0:16:36.240 --> 0:16:38.520
<v Speaker 1>my parents are now selling their house and it's worth

0:16:39.240 --> 0:16:41.040
<v Speaker 1>I don't know, seven hundred eight hundred thousand dollars and

0:16:41.080 --> 0:16:44.240
<v Speaker 1>they want to buy a small like a condo. So

0:16:44.440 --> 0:16:46.560
<v Speaker 1>guess who I said, mommy, daddy, this is who you

0:16:46.600 --> 0:16:48.440
<v Speaker 1>need to use. So she's not making a whole lot

0:16:48.440 --> 0:16:50.240
<v Speaker 1>of commission off of me, but now you have a

0:16:50.280 --> 0:16:52.920
<v Speaker 1>commission off of seven hundred thousand plus whatever three or

0:16:52.920 --> 0:16:55.760
<v Speaker 1>four hundred thousand dollars condo they get in exchange. Plus

0:16:55.760 --> 0:16:57.960
<v Speaker 1>they're you know, their friends who are wanting to down

0:16:58.240 --> 0:17:02.080
<v Speaker 1>that are wanting to downgrade. So you know, she's just

0:17:02.160 --> 0:17:05.439
<v Speaker 1>really smart because it's you learn sometimes in business that

0:17:05.440 --> 0:17:07.080
<v Speaker 1>you don't make your money with the first thing, but

0:17:07.119 --> 0:17:08.000
<v Speaker 1>the second thing you do.

0:17:08.119 --> 0:17:11.119
<v Speaker 2>You know, definitely, I mean That's the biggest lesson I

0:17:11.160 --> 0:17:13.440
<v Speaker 2>think I've learned in my career is I mean, I

0:17:13.480 --> 0:17:15.280
<v Speaker 2>can trace the first two jobs I had back to

0:17:15.320 --> 0:17:18.120
<v Speaker 2>a thank you note. You never know, you never know

0:17:18.400 --> 0:17:21.080
<v Speaker 2>who you're handings are, like, who you're interacting with, now

0:17:21.119 --> 0:17:22.800
<v Speaker 2>what kind of power they'll have in your life later.

0:17:23.520 --> 0:17:26.000
<v Speaker 2>Didn't mean to get deeper on your real estate.

0:17:25.800 --> 0:17:27.840
<v Speaker 1>Story, but no, I think you're right though.

0:17:29.480 --> 0:17:33.600
<v Speaker 2>Yeah, well I had a women I had a girl

0:17:33.640 --> 0:17:36.200
<v Speaker 2>power moment this weekend. I went to the Women's March,

0:17:36.320 --> 0:17:38.120
<v Speaker 2>which I was finally. I wasn't able to go last

0:17:38.160 --> 0:17:40.600
<v Speaker 2>year because I was sick of a dog, but this

0:17:40.680 --> 0:17:44.280
<v Speaker 2>year I went and it was awesome. Really, Yeah, I

0:17:44.320 --> 0:17:47.960
<v Speaker 2>went to the obviously the one in Manhattan. Yeah, it was.

0:17:48.080 --> 0:17:50.240
<v Speaker 2>It was. It took place right outside of Central Park,

0:17:50.240 --> 0:17:53.240
<v Speaker 2>and I went with a couple of girlfriends. I made

0:17:53.240 --> 0:17:56.359
<v Speaker 2>some signs and just kept it really simple. Yeah. It

0:17:56.440 --> 0:17:58.080
<v Speaker 2>was just I don't know, it just it was really

0:17:58.119 --> 0:18:01.119
<v Speaker 2>good vibes, and you know, I was a little bit like,

0:18:01.160 --> 0:18:03.000
<v Speaker 2>I mean, I wanted to go and I wanted to

0:18:03.040 --> 0:18:05.720
<v Speaker 2>feel the crowd and it was whatever. We had to

0:18:05.760 --> 0:18:08.480
<v Speaker 2>wait for about an hour before we could actually march

0:18:08.520 --> 0:18:11.200
<v Speaker 2>because it was that crowded, so and it was actually

0:18:11.240 --> 0:18:13.720
<v Speaker 2>really well organized. They were letting people go in in

0:18:13.800 --> 0:18:19.240
<v Speaker 2>spurts instead of just like you know, mobbing sixth Avenue.

0:18:20.200 --> 0:18:22.960
<v Speaker 2>But aren't when we when we finally, because you know,

0:18:23.000 --> 0:18:25.520
<v Speaker 2>you go, you start at like seventy second in Central Park.

0:18:25.560 --> 0:18:27.480
<v Speaker 2>And for those of you who aren't familiar with New

0:18:27.600 --> 0:18:30.760
<v Speaker 2>York City, once you get to fifty ninth Street and

0:18:30.920 --> 0:18:34.159
<v Speaker 2>Central Park, you're right in front of the Trump International Hotel.

0:18:34.640 --> 0:18:37.200
<v Speaker 2>It's a giant building. It's one of Trump's many sized

0:18:37.240 --> 0:18:40.400
<v Speaker 2>skycraper skyscrapers in the city, but it has his name

0:18:40.480 --> 0:18:42.720
<v Speaker 2>on it. And when you get to when you get

0:18:42.720 --> 0:18:45.359
<v Speaker 2>to that building, people will stop and they had music

0:18:45.400 --> 0:18:48.520
<v Speaker 2>and drums and you know, people would stop there and

0:18:48.920 --> 0:18:53.159
<v Speaker 2>chant and sing, and it really like you felt it.

0:18:53.280 --> 0:18:56.679
<v Speaker 2>You felt people's energy and you felt like, I don't know,

0:18:56.800 --> 0:18:58.560
<v Speaker 2>it was weird. I felt like I was really sending

0:18:58.560 --> 0:19:01.800
<v Speaker 2>the president a message in a weird way. I'm like,

0:19:01.840 --> 0:19:04.720
<v Speaker 2>he's going to hear this, Like I don't know, it

0:19:04.760 --> 0:19:07.320
<v Speaker 2>felt like I was doing something. It felt like so

0:19:07.440 --> 0:19:09.800
<v Speaker 2>much better because you know, I feel like the past year,

0:19:09.880 --> 0:19:12.439
<v Speaker 2>especially you know, I'm a journalist, I don't like to

0:19:12.680 --> 0:19:15.600
<v Speaker 2>air my political beliefs on Twitter. Not that I I mean,

0:19:15.800 --> 0:19:18.000
<v Speaker 2>I'm not a political journalist. It doesn't really matter. You know,

0:19:18.040 --> 0:19:21.080
<v Speaker 2>I don't have the same standards as other political journalists.

0:19:21.080 --> 0:19:23.639
<v Speaker 2>But I really hold back. I mean, I represent a company,

0:19:23.640 --> 0:19:26.840
<v Speaker 2>a YadA YadA, so I don't I'm not so public

0:19:26.880 --> 0:19:29.920
<v Speaker 2>with my feelings about politics on Twitter and other social media.

0:19:30.400 --> 0:19:32.600
<v Speaker 2>So I felt like, I know, I hold it in

0:19:33.000 --> 0:19:35.280
<v Speaker 2>except for in my social circles, hold it in throughout

0:19:35.280 --> 0:19:37.240
<v Speaker 2>the year. I also have a lot of family who

0:19:37.240 --> 0:19:40.960
<v Speaker 2>supports him, so you know, it really felt like for me,

0:19:40.960 --> 0:19:42.600
<v Speaker 2>I've been holding this in for the past year, and

0:19:42.640 --> 0:19:45.400
<v Speaker 2>it felt good to really just be in that moment

0:19:45.440 --> 0:19:47.920
<v Speaker 2>and say no, I don't accept this president and here's why,

0:19:48.040 --> 0:19:49.919
<v Speaker 2>and you know, just to be with a couple of

0:19:49.920 --> 0:19:53.120
<v Speaker 2>my close girlfriends and do that. It was. It felt good,

0:19:53.840 --> 0:19:55.560
<v Speaker 2>not a bad way to spend a couple hours on

0:19:55.600 --> 0:19:56.120
<v Speaker 2>a Saturday.

0:19:56.560 --> 0:19:58.280
<v Speaker 1>And the weather was great, wasn't it.

0:19:58.480 --> 0:20:00.720
<v Speaker 2>Weather was perfect. Yeah, I was like it was in

0:20:00.760 --> 0:20:03.359
<v Speaker 2>the fifties, I want to say, in the sun. And

0:20:03.960 --> 0:20:05.600
<v Speaker 2>I made I made a few signs. One of my

0:20:05.680 --> 0:20:09.480
<v Speaker 2>signs was the Solange. I had lyrics from the Solange song.

0:20:10.560 --> 0:20:12.600
<v Speaker 2>We got a lot to be Mad About, which is

0:20:12.600 --> 0:20:14.880
<v Speaker 2>one of my favorite songs from her record, A seat

0:20:14.880 --> 0:20:19.000
<v Speaker 2>at the Table, I would have. Yeah, I had a

0:20:19.040 --> 0:20:19.440
<v Speaker 2>good time.

0:20:20.240 --> 0:20:23.159
<v Speaker 1>Oh that sounds honestly that it looked. I saw the pictures.

0:20:23.160 --> 0:20:25.320
<v Speaker 1>I was said, look at Mandy, curls are flowing.

0:20:25.600 --> 0:20:28.879
<v Speaker 2>Yes, well, there's a lot of natural hair out there.

0:20:29.119 --> 0:20:32.560
<v Speaker 2>That wasn't the only one in my little pocket. It

0:20:32.960 --> 0:20:35.280
<v Speaker 2>definitely felt because you know, people talk about that diversity

0:20:35.280 --> 0:20:38.680
<v Speaker 2>of these movements, and there's controversy over whether, you know,

0:20:38.840 --> 0:20:42.040
<v Speaker 2>the Women's movement, the Women's March anyway has been welcoming

0:20:42.080 --> 0:20:44.880
<v Speaker 2>to different to women of color and sexualities and stuff.

0:20:46.080 --> 0:20:48.960
<v Speaker 2>You know, it did feel like I mean I didn't

0:20:49.040 --> 0:20:52.000
<v Speaker 2>take a poll or survey the entire crowd. I was

0:20:52.040 --> 0:20:55.639
<v Speaker 2>in a very tight little group. I saw some. I

0:20:55.680 --> 0:20:58.040
<v Speaker 2>definitely saw women of color, but there it definitely felt

0:20:58.080 --> 0:21:00.919
<v Speaker 2>like it was more white women than anything who were

0:21:00.960 --> 0:21:04.040
<v Speaker 2>out there. I couldn't help but notice that. But I

0:21:04.080 --> 0:21:06.879
<v Speaker 2>did see a lot of I did see definitely, I

0:21:06.920 --> 0:21:08.640
<v Speaker 2>mean every time I looked at the crowd, I could

0:21:08.640 --> 0:21:11.359
<v Speaker 2>point out people of color, but it certainly wasn't you know,

0:21:11.480 --> 0:21:14.800
<v Speaker 2>split down the middle, but people different ages. I saw

0:21:14.880 --> 0:21:19.640
<v Speaker 2>kids and grandmas and you know, young old. I think

0:21:19.680 --> 0:21:21.840
<v Speaker 2>it's it's sad that it has to happen. But at

0:21:21.840 --> 0:21:24.480
<v Speaker 2>the same time, you know, I think it's great to

0:21:24.480 --> 0:21:27.480
<v Speaker 2>see parents like taking their kids out and showing them

0:21:27.480 --> 0:21:31.679
<v Speaker 2>how to be involved and just that you can come

0:21:31.720 --> 0:21:34.119
<v Speaker 2>together as a group, you know, and it's beautiful that

0:21:34.160 --> 0:21:35.760
<v Speaker 2>we can even do this in our country at all.

0:21:36.560 --> 0:21:38.240
<v Speaker 2>So I sort of I just felt grateful for that.

0:21:39.040 --> 0:21:41.920
<v Speaker 1>Yeah, now, honestly I love that. I mean, as much

0:21:41.960 --> 0:21:44.679
<v Speaker 1>as you know, this current administration has been, like you

0:21:44.720 --> 0:21:47.240
<v Speaker 1>guys are like the worst. What it has brought out

0:21:47.400 --> 0:21:51.320
<v Speaker 1>is like I was talking to my accountant today and

0:21:51.440 --> 0:21:53.439
<v Speaker 1>he was like, you know, it's so crazy. He was like,

0:21:53.600 --> 0:21:56.840
<v Speaker 1>I mean, he's like, I'm like a Civics lesson. He's like,

0:21:56.880 --> 0:21:59.320
<v Speaker 1>I'm more woke. I'm like, wait, whoa, whoa. He's like

0:21:59.320 --> 0:22:02.560
<v Speaker 1>my six year old like, so, Dad, how did he

0:22:02.680 --> 0:22:05.800
<v Speaker 1>win when when Hillary Clinton had more of the votes?

0:22:05.840 --> 0:22:08.520
<v Speaker 1>Why is this electoral college stick at six? And he

0:22:08.560 --> 0:22:10.280
<v Speaker 1>was I went with you to the voting booths and

0:22:10.280 --> 0:22:13.359
<v Speaker 1>we voted in school, and the most votes one And

0:22:13.400 --> 0:22:16.639
<v Speaker 1>he was just saying how this has really forced him

0:22:16.720 --> 0:22:19.679
<v Speaker 1>and people around him to really pay more attention to

0:22:19.720 --> 0:22:20.960
<v Speaker 1>what's happening politically.

0:22:21.320 --> 0:22:25.000
<v Speaker 2>Yeah, we can't. We can't unsee this, like we can't

0:22:25.119 --> 0:22:28.000
<v Speaker 2>unlive it.

0:22:30.600 --> 0:22:34.960
<v Speaker 1>Yeah. So speaking of this dang administration, So I remember

0:22:35.000 --> 0:22:36.920
<v Speaker 1>I said before I had a budget aist the bills

0:22:36.920 --> 0:22:39.440
<v Speaker 1>that I helped my friend, right, Yeah, And they passed

0:22:39.440 --> 0:22:40.960
<v Speaker 1>the House to House the Senate and it's sitting on

0:22:41.000 --> 0:22:43.679
<v Speaker 1>Governor Christie's desk and all he has to do is

0:22:43.720 --> 0:22:48.359
<v Speaker 1>sign it, and all literally every single uh political Republican

0:22:48.400 --> 0:22:51.959
<v Speaker 1>and Democratic senator said yes, and he didn't sign it.

0:22:52.400 --> 0:22:55.280
<v Speaker 1>Oh no, we have a new governor, Film Murphy.

0:22:55.400 --> 0:22:58.080
<v Speaker 2>And so right now he starts, like when does he start?

0:22:58.640 --> 0:23:01.160
<v Speaker 1>I don't know now basically, And so when the governor's

0:23:01.160 --> 0:23:02.639
<v Speaker 1>on his way out, he had about one hundred and

0:23:02.640 --> 0:23:05.800
<v Speaker 1>sixty bills on his desk, and out of one hundred

0:23:05.840 --> 0:23:09.240
<v Speaker 1>and sixty he either signed or actively veatoled one hundred

0:23:09.280 --> 0:23:10.120
<v Speaker 1>and fifty.

0:23:11.280 --> 0:23:13.200
<v Speaker 2>And the other ten he just didn't look.

0:23:13.280 --> 0:23:16.680
<v Speaker 1>He just he beatoed by. They call it beatle. It's

0:23:16.720 --> 0:23:18.680
<v Speaker 1>like saying no by not saying no, you know what

0:23:18.720 --> 0:23:21.159
<v Speaker 1>I mean, but not saying anything. It's like it's a

0:23:21.200 --> 0:23:22.600
<v Speaker 1>weak way because it's like I don't want to be

0:23:22.640 --> 0:23:24.800
<v Speaker 1>the one to veto to say no, no financial literacy

0:23:24.840 --> 0:23:28.959
<v Speaker 1>for kids, but for whatever reason, he didn't sign. So

0:23:29.119 --> 0:23:32.120
<v Speaker 1>it's a no just because by default, because you didn't

0:23:32.160 --> 0:23:35.359
<v Speaker 1>say yes. Oh a real punk move. But you know what,

0:23:35.400 --> 0:23:37.800
<v Speaker 1>that's exactly what he is. So we have to start

0:23:37.840 --> 0:23:41.119
<v Speaker 1>all over literally from committee to House to House, Senate

0:23:41.160 --> 0:23:42.840
<v Speaker 1>to Senate and back up to the governor.

0:23:43.400 --> 0:23:46.800
<v Speaker 2>Oh, I'm so sorry. You were so excited the last time,

0:23:47.080 --> 0:23:47.639
<v Speaker 2>I know.

0:23:47.640 --> 0:23:50.000
<v Speaker 1>And cause I was like, who's gonna say no financial

0:23:50.080 --> 0:23:52.960
<v Speaker 1>education for kids? I mean, how is this a bad thing? So,

0:23:53.119 --> 0:23:56.119
<v Speaker 1>but you know what, it won't be part of his legacy.

0:23:56.119 --> 0:23:59.000
<v Speaker 1>It'll be part of hopefully governor film work He's legacy,

0:23:59.080 --> 0:24:03.320
<v Speaker 1>and it'll will go hopefully faster because we've already have

0:24:03.480 --> 0:24:05.000
<v Speaker 1>like all these people who are kind of on board,

0:24:05.080 --> 0:24:08.000
<v Speaker 1>and so it is what it is.

0:24:09.080 --> 0:24:12.719
<v Speaker 2>Well, fight the good fight. Yeah, so you're gonna try

0:24:12.720 --> 0:24:14.560
<v Speaker 2>to get next season or next.

0:24:14.600 --> 0:24:16.680
<v Speaker 1>No, she said, honestly, she's like, let's see what she's like.

0:24:16.720 --> 0:24:18.199
<v Speaker 1>I want to see we could push this through in

0:24:18.240 --> 0:24:22.119
<v Speaker 1>like six months. This is Assembly Women. Angela Vie McKnight,

0:24:22.200 --> 0:24:24.600
<v Speaker 1>she said, because now that we have everyone on board,

0:24:24.640 --> 0:24:27.440
<v Speaker 1>it shouldn't it shouldn't be hard to because it was

0:24:27.480 --> 0:24:30.239
<v Speaker 1>like explaining to people what it meant and tweaking it

0:24:30.280 --> 0:24:33.320
<v Speaker 1>to make sure both sides felt comfortable. But now it's like, hey, guys,

0:24:33.320 --> 0:24:35.680
<v Speaker 1>he didn't sign it. We're just let's just everybody vote

0:24:35.720 --> 0:24:37.320
<v Speaker 1>just like I did last time. Yes, yes, yes, yes.

0:24:37.600 --> 0:24:39.800
<v Speaker 1>So I'm hoping that so she doesn't have to do

0:24:39.960 --> 0:24:42.800
<v Speaker 1>quite as much politicking in between each vote. So I'm

0:24:42.840 --> 0:24:45.560
<v Speaker 1>hoping that it'll go much faster because this last round

0:24:45.600 --> 0:24:46.760
<v Speaker 1>took two years to get here.

0:24:47.160 --> 0:24:47.760
<v Speaker 2>Yeah.

0:24:48.000 --> 0:24:49.960
<v Speaker 1>Yeah, So, I mean, but I feel confident in it

0:24:50.000 --> 0:24:51.920
<v Speaker 1>because it's a it's a good bill. Like it's not

0:24:51.960 --> 0:24:55.000
<v Speaker 1>like we're saying, hey, should we give riddling to kids?

0:24:55.040 --> 0:24:57.920
<v Speaker 1>Should we teach them financial education? I mean, like, why

0:24:57.960 --> 0:24:58.400
<v Speaker 1>is that bad?

0:24:59.640 --> 0:25:03.399
<v Speaker 2>People? Well, you know, people will find a way, you know,

0:25:03.960 --> 0:25:07.680
<v Speaker 2>especially in schools. It's so touchy. There's so much there's

0:25:07.680 --> 0:25:09.960
<v Speaker 2>so much controversy in schools right now. And I feel like,

0:25:10.119 --> 0:25:13.000
<v Speaker 2>and I've written about financial literacy in schools, and I

0:25:13.040 --> 0:25:16.119
<v Speaker 2>know that the standard conservative response to these types of

0:25:16.160 --> 0:25:19.720
<v Speaker 2>programs it's just giving more. It's giving teachers in schools

0:25:19.720 --> 0:25:24.320
<v Speaker 2>more stuff to do. Government, it's government influencing schools and education.

0:25:24.480 --> 0:25:26.920
<v Speaker 2>And you know that Conservatives are all against that, and

0:25:27.000 --> 0:25:30.000
<v Speaker 2>Chris Christy being a conservative, it seemed in line with

0:25:30.080 --> 0:25:32.960
<v Speaker 2>his party stance. I wonder if the next governor since

0:25:32.960 --> 0:25:33.960
<v Speaker 2>he's Democrat, right.

0:25:34.160 --> 0:25:37.400
<v Speaker 1>Yeah, he's Democrat. And honestly, that was when we first met.

0:25:37.400 --> 0:25:39.879
<v Speaker 1>We met with some sort of education committee and it

0:25:40.040 --> 0:25:43.160
<v Speaker 1>was full of teachers and educators and women who Angela

0:25:43.200 --> 0:25:45.600
<v Speaker 1>asked me to come to her office to speak with them,

0:25:45.760 --> 0:25:47.640
<v Speaker 1>and they said the same thing. And I can honestly

0:25:47.680 --> 0:25:49.920
<v Speaker 1>say I sat with them and I said, I agree

0:25:50.320 --> 0:25:53.160
<v Speaker 1>that there shouldn't be a large place that makes teachers

0:25:53.200 --> 0:25:55.280
<v Speaker 1>have more grounds. Like I was a teacher for ten years,

0:25:55.400 --> 0:25:57.840
<v Speaker 1>so I know what those changes feel like in the

0:25:57.840 --> 0:26:00.840
<v Speaker 1>classroom where you're like really another thing. And so when

0:26:00.880 --> 0:26:03.600
<v Speaker 1>we really worked out the bill, it was so that

0:26:04.160 --> 0:26:07.520
<v Speaker 1>it wouldn't add additional work. It wasn't like stop its

0:26:07.560 --> 0:26:11.120
<v Speaker 1>financial literacy time. That instead it would be infused into

0:26:11.160 --> 0:26:14.680
<v Speaker 1>what you're already doing. So if today is counting day,

0:26:14.920 --> 0:26:17.600
<v Speaker 1>then we might say, hey, here's some ways to infuse

0:26:17.640 --> 0:26:20.000
<v Speaker 1>counting money into today's lesson. You see what I mean.

0:26:20.040 --> 0:26:22.800
<v Speaker 1>So I really worked hard to make sure because I

0:26:22.880 --> 0:26:25.320
<v Speaker 1>totally get it, because that's true, it's too much to

0:26:25.359 --> 0:26:27.560
<v Speaker 1>ask a teacher to put aside another two or three

0:26:27.640 --> 0:26:30.120
<v Speaker 1>or five minutes for something else, because I've been there.

0:26:30.320 --> 0:26:32.960
<v Speaker 1>And so that's why I honestly the bill started to

0:26:33.000 --> 0:26:36.720
<v Speaker 1>really pick up traction because people were like, okay, good

0:26:37.440 --> 0:26:39.159
<v Speaker 1>because you're right at the conservative side. That was a

0:26:39.200 --> 0:26:41.960
<v Speaker 1>little bit of the pushback. But once we tweaked it

0:26:42.000 --> 0:26:44.399
<v Speaker 1>and edited it, everybody was like, love it. I love it,

0:26:44.480 --> 0:26:47.160
<v Speaker 1>you know, And so that's why I'm just like this guy.

0:26:47.280 --> 0:26:59.320
<v Speaker 1>But whatever. On that note, are you ready to break

0:26:59.400 --> 0:27:01.480
<v Speaker 1>or boothe I'm ready.

0:27:01.560 --> 0:27:05.880
<v Speaker 2>I'm gonna break. Are you ready for I haven't break

0:27:06.000 --> 0:27:07.120
<v Speaker 2>break broken in a while.

0:27:07.359 --> 0:27:09.080
<v Speaker 1>I'm gonna I'm gonna booth. I'm gonna booth.

0:27:09.560 --> 0:27:12.040
<v Speaker 2>Okay, let me go first and we can end on

0:27:12.040 --> 0:27:12.679
<v Speaker 2>a high note.

0:27:12.760 --> 0:27:13.640
<v Speaker 1>Okay.

0:27:13.800 --> 0:27:15.840
<v Speaker 2>So I want to take a break from if I

0:27:15.840 --> 0:27:17.840
<v Speaker 2>if I could take any more, if I had any

0:27:17.920 --> 0:27:19.960
<v Speaker 2>more breaks to give, I would give my last break

0:27:20.000 --> 0:27:24.800
<v Speaker 2>to Bank of America, Everyone's least favorite bank, my least

0:27:24.800 --> 0:27:27.080
<v Speaker 2>favorite bank, I'll just put it that way. I broke

0:27:27.160 --> 0:27:30.560
<v Speaker 2>up with them like five six years ago, finally, and

0:27:30.680 --> 0:27:32.760
<v Speaker 2>they just announced today that they are getting rid of

0:27:34.000 --> 0:27:37.840
<v Speaker 2>low fee checking accounts for oh sorry, low balance free

0:27:37.920 --> 0:27:40.920
<v Speaker 2>checking accounts. So if you're the kind of person who

0:27:41.240 --> 0:27:43.480
<v Speaker 2>carries a low balance, you live paycheck to paycheck, which

0:27:43.520 --> 0:27:45.560
<v Speaker 2>is a lot of people in the US. There just

0:27:45.600 --> 0:27:48.119
<v Speaker 2>aren't that many great There aren't a lot of great,

0:27:48.160 --> 0:27:52.119
<v Speaker 2>big bank checking accounts that actually don't charge fees. And

0:27:52.160 --> 0:27:55.480
<v Speaker 2>Bank of America was like sticking its tongue out to

0:27:55.520 --> 0:27:58.440
<v Speaker 2>those people and just took away. It's a low feed

0:27:58.520 --> 0:28:01.040
<v Speaker 2>checking account if you have a low balance. So if

0:28:01.040 --> 0:28:02.959
<v Speaker 2>you have a Bank of America account and you're like

0:28:03.000 --> 0:28:06.840
<v Speaker 2>what I described, you your balance as close to zero.

0:28:06.920 --> 0:28:09.960
<v Speaker 2>Sometimes maybe have had a few overdraft charges the last year,

0:28:10.000 --> 0:28:11.800
<v Speaker 2>it is time to get out.

0:28:12.119 --> 0:28:13.560
<v Speaker 1>Get out out of that.

0:28:15.040 --> 0:28:17.240
<v Speaker 2>They don't have free checking anymore, if you could even

0:28:17.240 --> 0:28:19.720
<v Speaker 2>call it that, because they still charge things like overdraft

0:28:19.760 --> 0:28:23.880
<v Speaker 2>fees and whatnot. There's just so many better options out there.

0:28:23.920 --> 0:28:26.600
<v Speaker 2>So if you have Bank of America or any other

0:28:26.640 --> 0:28:29.760
<v Speaker 2>sort of big, big brand bank, I guarantee you can

0:28:29.800 --> 0:28:35.320
<v Speaker 2>find better services for better rates, better fees at other banks.

0:28:35.800 --> 0:28:37.720
<v Speaker 2>In fact, I can. I'm going to put in the

0:28:37.760 --> 0:28:39.720
<v Speaker 2>show notes because I want you guys to just see

0:28:39.720 --> 0:28:43.200
<v Speaker 2>what's out there. Magnify Money has a great page where

0:28:43.240 --> 0:28:45.640
<v Speaker 2>you can review checking accounts and you put your zip

0:28:45.640 --> 0:28:49.120
<v Speaker 2>code in and then you put in how often you

0:28:49.160 --> 0:28:51.880
<v Speaker 2>make overdraft during the year, so that you can get

0:28:52.160 --> 0:28:54.479
<v Speaker 2>a list of banks that are probably best for you

0:28:54.520 --> 0:28:57.000
<v Speaker 2>in the way you use your checking account.

0:28:57.960 --> 0:29:00.320
<v Speaker 1>No, that's awesome, but yeah they can remember. Because so

0:29:00.320 --> 0:29:02.440
<v Speaker 1>I saw a lot of dreamcatchers posting about it. I'm like,

0:29:02.440 --> 0:29:04.080
<v Speaker 1>they've been trash.

0:29:04.040 --> 0:29:07.120
<v Speaker 2>Right, it's just one, it's just one other reminder. Why.

0:29:07.240 --> 0:29:11.000
<v Speaker 1>Yes, it's like she and boyfriend. Who oh, so you

0:29:11.040 --> 0:29:13.320
<v Speaker 1>got her pregnant? Okay, so you know what. I can't

0:29:13.320 --> 0:29:18.040
<v Speaker 1>do this. I can't do this, Okay, So mine is

0:29:18.040 --> 0:29:21.360
<v Speaker 1>a boost super simple light. So I was at the

0:29:21.400 --> 0:29:25.440
<v Speaker 1>mall with with Superman and I was like, our comforter

0:29:25.600 --> 0:29:29.880
<v Speaker 1>is shameful. I mean, honestly, we discomforter like a dog

0:29:29.960 --> 0:29:32.000
<v Speaker 1>wouldn't sleep on this comforter. It's just raggedy. You know,

0:29:32.000 --> 0:29:33.600
<v Speaker 1>you watched it too many times and the comforter is

0:29:33.600 --> 0:29:36.840
<v Speaker 1>just looking sad and raggedy. So he was like, I'm

0:29:36.880 --> 0:29:39.440
<v Speaker 1>gonna go. We were eating at Johnny Rockets. I got

0:29:39.440 --> 0:29:41.760
<v Speaker 1>a veggie burger for those of you who care, and

0:29:43.800 --> 0:29:47.200
<v Speaker 1>they do. I could have done without it, but either way,

0:29:47.240 --> 0:29:49.280
<v Speaker 1>we were at the mall at eating at Johnny Rockets,

0:29:49.280 --> 0:29:51.400
<v Speaker 1>and he was like, you know what, there's Marshalls. I'll

0:29:51.400 --> 0:29:53.600
<v Speaker 1>go buy a comfort while we wait for our food. So,

0:29:53.880 --> 0:29:56.719
<v Speaker 1>you know, I was nervous because I said, oh boy,

0:29:55.760 --> 0:30:00.680
<v Speaker 1>I know Superman is not known for his style. I

0:30:00.720 --> 0:30:04.880
<v Speaker 1>love him dearly. I was like yes, I was like.

0:30:05.120 --> 0:30:08.360
<v Speaker 2>Okay, it took us months to pick a comforter, like

0:30:08.400 --> 0:30:11.520
<v Speaker 2>I'm not kidding, And I was no nervous arms.

0:30:11.960 --> 0:30:14.480
<v Speaker 1>I didn't want to leave the table like with the food,

0:30:14.520 --> 0:30:15.560
<v Speaker 1>because I was like, I don't want them to think,

0:30:15.560 --> 0:30:17.800
<v Speaker 1>oh they ordered and they ran, you know, and so

0:30:18.440 --> 0:30:20.760
<v Speaker 1>I said, okay. He came back first of all with

0:30:20.760 --> 0:30:24.120
<v Speaker 1>a super cute comforter. It's like a gray and navy

0:30:24.200 --> 0:30:26.880
<v Speaker 1>stripe and actually I love it. And on the other side,

0:30:27.120 --> 0:30:32.200
<v Speaker 1>it's like shirling material, like like sheep swoop. When I

0:30:32.240 --> 0:30:34.240
<v Speaker 1>say this thing, I can't even get out of bad Mandy,

0:30:34.360 --> 0:30:37.520
<v Speaker 1>I cannot get out of bed. It is the best comforter.

0:30:37.680 --> 0:30:41.000
<v Speaker 1>I honestly, I'm rubbing it right now and I'm like, hey,

0:30:41.200 --> 0:30:43.120
<v Speaker 1>how you doing. I'm gonna see you in a minute.

0:30:43.160 --> 0:30:47.000
<v Speaker 1>Like it is. So it's transformed how we sleep because

0:30:47.000 --> 0:30:49.320
<v Speaker 1>we're always like, oh we get up. We're like no,

0:30:49.560 --> 0:30:51.440
<v Speaker 1>this thing, I'm gonna see if I can fride who

0:30:51.520 --> 0:30:56.280
<v Speaker 1>makes it? Who makes his dag on comforter eyezid hoo child,

0:30:56.880 --> 0:31:00.560
<v Speaker 1>this thing is zid you nd I will dedicate my

0:31:00.600 --> 0:31:04.479
<v Speaker 1>first I'm gonna call my first born eyesid. Okay, but

0:31:04.520 --> 0:31:07.520
<v Speaker 1>it's honestly, it's just an amazing conforter. It is so

0:31:07.760 --> 0:31:10.760
<v Speaker 1>comfortable and because it's it's winter, well you know, it's

0:31:10.800 --> 0:31:13.680
<v Speaker 1>weird winter, but it's weird winter in Jersey where it

0:31:13.720 --> 0:31:15.720
<v Speaker 1>gets you really cold at night sometimes, and this thing

0:31:15.840 --> 0:31:18.760
<v Speaker 1>is like sleeping literally in a cloud. And so that's

0:31:18.760 --> 0:31:22.600
<v Speaker 1>my boos. These izod shirling half shirling half whatever's on

0:31:22.600 --> 0:31:24.120
<v Speaker 1>the other the other side is actually really cute. But

0:31:24.760 --> 0:31:26.480
<v Speaker 1>the other side, the side that you put on your

0:31:26.480 --> 0:31:31.840
<v Speaker 1>body shut, oh, hal side. You want a sponsor?

0:31:42.160 --> 0:31:45.719
<v Speaker 2>It is time for questions, yes again. You guys can

0:31:45.760 --> 0:31:47.960
<v Speaker 2>go to Brannanbission podcast dot com.

0:31:48.840 --> 0:31:53.160
<v Speaker 1>Nope, okay, oh dot com, Sorry I'm late.

0:31:53.280 --> 0:31:56.320
<v Speaker 2>It's okay, and send us a question. Just click to

0:31:56.320 --> 0:31:59.000
<v Speaker 2>ask us anything tub or you can email us directly.

0:31:59.080 --> 0:32:02.720
<v Speaker 2>Brand Ambision podcas asked at gmail dot com to be

0:32:02.800 --> 0:32:05.440
<v Speaker 2>featured on the show. We got a lot of good

0:32:05.480 --> 0:32:07.560
<v Speaker 2>questions after last week, so I'm going to try to

0:32:07.600 --> 0:32:10.880
<v Speaker 2>get to a couple today. The first one is a

0:32:10.960 --> 0:32:13.719
<v Speaker 2>question about home ownership and a down payment on your

0:32:13.720 --> 0:32:18.720
<v Speaker 2>mortgage from listener named Kim. Kim says, Hi, guys, I

0:32:18.760 --> 0:32:21.440
<v Speaker 2>love you guys. Here's a home ownership question for you.

0:32:21.880 --> 0:32:24.720
<v Speaker 2>What is the benefit to putting twenty percent down on

0:32:24.760 --> 0:32:27.640
<v Speaker 2>a mortgage? Do you really save on your mortgage payments?

0:32:28.000 --> 0:32:30.320
<v Speaker 2>Can you put down less and not have to enroll

0:32:30.440 --> 0:32:33.160
<v Speaker 2>in a private mortgage insurance not to enroll in private

0:32:33.200 --> 0:32:36.360
<v Speaker 2>mortgage insurance for a new home? That is her question.

0:32:36.720 --> 0:32:37.560
<v Speaker 2>Excellent question.

0:32:38.040 --> 0:32:40.520
<v Speaker 1>It is an excellent question, and the benefit is just

0:32:40.560 --> 0:32:43.440
<v Speaker 1>as you said, the benefit is, well, there's a couple

0:32:43.440 --> 0:32:47.840
<v Speaker 1>of benefits. One, you can not pay PMI private mortgage insurance,

0:32:47.880 --> 0:32:50.800
<v Speaker 1>which is that insurance that you pay when you don't

0:32:50.840 --> 0:32:53.280
<v Speaker 1>have enough equity in the home when you first buy it.

0:32:53.320 --> 0:32:55.480
<v Speaker 1>So that makes you a risk. So basically what the

0:32:55.520 --> 0:32:57.920
<v Speaker 1>bank is doing is they're hedging against you. They're like, eh,

0:32:58.640 --> 0:33:01.000
<v Speaker 1>she don't have that much skin in the game. So

0:33:01.880 --> 0:33:04.800
<v Speaker 1>because you put down three percent or whatever, So I'm

0:33:04.800 --> 0:33:07.640
<v Speaker 1>going to charge you an extra fee every month just

0:33:07.680 --> 0:33:10.560
<v Speaker 1>in case you default on this loan. At least I

0:33:10.600 --> 0:33:14.280
<v Speaker 1>got a little extra money upfront from you. But also

0:33:14.320 --> 0:33:15.880
<v Speaker 1>to what I found though, like I mean, there are

0:33:15.920 --> 0:33:17.920
<v Speaker 1>ways to get around PMI and not put down the

0:33:17.960 --> 0:33:21.560
<v Speaker 1>full twenty percent. But what I found too is putting

0:33:21.600 --> 0:33:24.440
<v Speaker 1>down twenty percent also makes you a stronger buyer. So

0:33:24.680 --> 0:33:28.480
<v Speaker 1>take yourself out of the buyer's position, put yourself in

0:33:28.520 --> 0:33:32.080
<v Speaker 1>the sellers position. And two people want my house. One

0:33:32.120 --> 0:33:35.440
<v Speaker 1>person says I've got three percent to put down and

0:33:35.480 --> 0:33:38.840
<v Speaker 1>all this financing, and one person says I've got twenty

0:33:38.880 --> 0:33:41.320
<v Speaker 1>percent to put down in their financing. Which one are

0:33:41.320 --> 0:33:43.040
<v Speaker 1>you gonna go with? Even though it's the same amount

0:33:43.040 --> 0:33:45.160
<v Speaker 1>of money that they're both gonna give you. I'm going

0:33:45.200 --> 0:33:47.200
<v Speaker 1>with a stronger buyer because what it tells me is

0:33:47.240 --> 0:33:49.960
<v Speaker 1>that if you've got twenty percent to put down, you're

0:33:49.960 --> 0:33:52.800
<v Speaker 1>probably gonna have an easier time getting financing. And I'm

0:33:52.800 --> 0:33:54.240
<v Speaker 1>not gonna you know, it's going to be easier to

0:33:54.240 --> 0:33:57.280
<v Speaker 1>get to closing with you versus someone who can't put

0:33:57.320 --> 0:33:59.640
<v Speaker 1>down as much, because that maybe singles to me, signals

0:33:59.680 --> 0:34:01.720
<v Speaker 1>to me that maybe this is not as strong a

0:34:01.800 --> 0:34:05.960
<v Speaker 1>buyer as I would like. And so that's another reason

0:34:05.960 --> 0:34:08.120
<v Speaker 1>why you know, you don't have to put twenty percent down,

0:34:08.120 --> 0:34:10.200
<v Speaker 1>but it's another benefit to putting twenty percent down.

0:34:10.640 --> 0:34:13.040
<v Speaker 2>Absolutely. In fact, we just did a study on this.

0:34:13.120 --> 0:34:15.920
<v Speaker 2>We looked at we decided so right now it's competitive,

0:34:15.960 --> 0:34:18.160
<v Speaker 2>as if you're looking for a home, it's competitive out

0:34:18.160 --> 0:34:21.200
<v Speaker 2>there depending on where you're looking. Inventory is low, meaning

0:34:21.200 --> 0:34:23.600
<v Speaker 2>there's not a lot of new houses being built, and

0:34:23.640 --> 0:34:26.520
<v Speaker 2>there's more people who want houses, so supply and demand,

0:34:26.760 --> 0:34:28.680
<v Speaker 2>so the prices at home are going up. So it's

0:34:28.719 --> 0:34:31.000
<v Speaker 2>just it's really expensive to buy homes right now. But

0:34:31.080 --> 0:34:34.359
<v Speaker 2>also the buyers are what make it competitive. Like if

0:34:34.400 --> 0:34:36.640
<v Speaker 2>you're up against someone who not only comes with a

0:34:36.680 --> 0:34:39.600
<v Speaker 2>twenty percent down payment, but has a higher credit score

0:34:39.920 --> 0:34:42.520
<v Speaker 2>and comes pre approved for a mortgage, they're going to

0:34:42.640 --> 0:34:44.399
<v Speaker 2>knock you out of the race if you haven't come

0:34:44.440 --> 0:34:47.839
<v Speaker 2>with those similar characteristics. So we actually analyze like over

0:34:47.920 --> 0:34:52.000
<v Speaker 2>a million home purchase a mortgage loan requests through lending

0:34:52.040 --> 0:34:55.879
<v Speaker 2>tree dot Com recently and looks at one hundred different

0:34:55.920 --> 0:34:58.920
<v Speaker 2>cities and found the most competitive market. So if you're

0:34:59.000 --> 0:35:02.359
<v Speaker 2>shopping in a place like Denver, Colorado, the third most

0:35:02.360 --> 0:35:06.080
<v Speaker 2>competitive market. On average, people are putting down sixteen percent

0:35:06.560 --> 0:35:09.920
<v Speaker 2>over like nearly two thirds have been pre approved for

0:35:09.960 --> 0:35:14.160
<v Speaker 2>a mortgage San Francisco number one. The average there is

0:35:14.320 --> 0:35:17.600
<v Speaker 2>eighteen and nineteen percent for a down payment. I think

0:35:17.600 --> 0:35:19.719
<v Speaker 2>it's this is really help well. I'll post a link

0:35:19.760 --> 0:35:21.080
<v Speaker 2>to this in the show. So if you want to

0:35:21.080 --> 0:35:24.239
<v Speaker 2>look and see where your city falls, like, maybe you

0:35:24.280 --> 0:35:26.279
<v Speaker 2>can get a sense of who you're up against when

0:35:26.320 --> 0:35:29.600
<v Speaker 2>you're out there shopping for a home. Not only will

0:35:29.600 --> 0:35:31.960
<v Speaker 2>it make you more competitive, but like Kim you mentioned,

0:35:31.960 --> 0:35:34.759
<v Speaker 2>and like Tiffany said, you're going to avoid playing for

0:35:35.280 --> 0:35:40.000
<v Speaker 2>mortgage insurance. That being said, some people may choose to

0:35:41.440 --> 0:35:44.280
<v Speaker 2>maybe put down a lower down payment. There are loan

0:35:44.320 --> 0:35:47.239
<v Speaker 2>options if you have a low down payment, and even

0:35:47.280 --> 0:35:50.520
<v Speaker 2>some loan options that require no down payment. We did

0:35:50.520 --> 0:35:52.200
<v Speaker 2>a guide on this recently, so I just pulled it

0:35:52.280 --> 0:35:57.080
<v Speaker 2>up so Sofi. Sofi offers a mortgage, has no mortgage

0:35:57.080 --> 0:36:01.480
<v Speaker 2>insurance requirement and you only have to put down ten percent, okay,

0:36:01.719 --> 0:36:04.200
<v Speaker 2>and that Sofi is a new a new player in

0:36:04.239 --> 0:36:06.520
<v Speaker 2>the lender space. I like Sofi a lot. I think

0:36:06.520 --> 0:36:09.000
<v Speaker 2>they're a great lender. So write that down if you're

0:36:09.000 --> 0:36:11.319
<v Speaker 2>looking for a low down payment mortgage and you don't

0:36:11.320 --> 0:36:13.399
<v Speaker 2>want to have to deal with mortgage insurance. The thing

0:36:13.440 --> 0:36:15.759
<v Speaker 2>with Sofi is the reason they're able to do that

0:36:15.840 --> 0:36:19.560
<v Speaker 2>is because they have higher credit requirements, So you will

0:36:19.560 --> 0:36:22.560
<v Speaker 2>need a credit score of about seven hundred or higher

0:36:23.160 --> 0:36:26.719
<v Speaker 2>likely to qualify for SOFI. Then there's now there's like

0:36:26.760 --> 0:36:31.560
<v Speaker 2>federal programs. There's an FH loan if you put down

0:36:32.000 --> 0:36:34.360
<v Speaker 2>you can put down as little as three point five percent,

0:36:34.880 --> 0:36:38.720
<v Speaker 2>but you will have to pay mortgage and mortgage insurance premium.

0:36:38.719 --> 0:36:41.120
<v Speaker 2>I think it's called same thing as private mortgage insurance.

0:36:42.280 --> 0:36:44.680
<v Speaker 2>You can put down three and a half percent to

0:36:44.760 --> 0:36:50.319
<v Speaker 2>ten percent, depending on your FICO score. Then there's us

0:36:50.440 --> 0:36:53.520
<v Speaker 2>AD a us D A loan. So this is for

0:36:53.680 --> 0:36:56.439
<v Speaker 2>people who are buying homes in rural areas. And you'd

0:36:56.480 --> 0:37:00.160
<v Speaker 2>be surprised what the Department of Agriculture considers rule It

0:37:00.200 --> 0:37:03.279
<v Speaker 2>doesn't it doesn't mean out in the boonies necessarily. So

0:37:03.320 --> 0:37:06.120
<v Speaker 2>you can go to USDA dot gov and put in

0:37:06.160 --> 0:37:08.279
<v Speaker 2>your zip code for where you're thinking about buying and

0:37:08.320 --> 0:37:12.040
<v Speaker 2>they'll tell you if that's considered a rule environment and

0:37:12.200 --> 0:37:15.760
<v Speaker 2>that's no down payment required. There's also a Home Ready

0:37:15.800 --> 0:37:19.799
<v Speaker 2>program which is offered by fan EMA that's a three

0:37:19.840 --> 0:37:25.200
<v Speaker 2>percent down payment. There is a mortgage insurance requirement, and

0:37:25.239 --> 0:37:27.560
<v Speaker 2>the last one I was going to mention was VA loans.

0:37:27.560 --> 0:37:30.880
<v Speaker 2>So if you're a veteran, there's no down payment required

0:37:30.920 --> 0:37:34.040
<v Speaker 2>on a fur VA loan, and there's no mortgage insurance either.

0:37:34.880 --> 0:37:36.680
<v Speaker 1>And you want to make sure when it comes to

0:37:36.719 --> 0:37:39.520
<v Speaker 1>PMI because I believe don't quote me on a but

0:37:39.680 --> 0:37:43.239
<v Speaker 1>FAHA that there's no So if you get like a

0:37:43.280 --> 0:37:45.799
<v Speaker 1>regular loan and you put down less than twenty percent, right,

0:37:45.840 --> 0:37:48.640
<v Speaker 1>and then once you get to about twenty twenty two percent,

0:37:49.000 --> 0:37:51.600
<v Speaker 1>you can then have the PMI dropped. There are some

0:37:51.800 --> 0:37:55.000
<v Speaker 1>loan products that there is no dropping the PMI even

0:37:55.040 --> 0:37:57.439
<v Speaker 1>once you get to over twenty percent equity in the home.

0:37:58.120 --> 0:38:00.080
<v Speaker 2>Yeah. What a lot of people do with FAHA, and

0:38:00.160 --> 0:38:02.880
<v Speaker 2>specifically for that reason, is they'll refinance it into a

0:38:02.920 --> 0:38:06.080
<v Speaker 2>conventional loan. So when you get to a certain point,

0:38:06.160 --> 0:38:08.000
<v Speaker 2>you can say, Okay, I'm ready, I'm gonna I'm gonna

0:38:08.040 --> 0:38:10.160
<v Speaker 2>refinance out of my f h A loan to a

0:38:10.200 --> 0:38:12.799
<v Speaker 2>conventional loan with another lender. Once you've got up to

0:38:12.800 --> 0:38:16.279
<v Speaker 2>a certain amount of equity to where you qualify for refinance.

0:38:17.520 --> 0:38:18.000
<v Speaker 1>Yeah.

0:38:18.320 --> 0:38:20.000
<v Speaker 2>Yeah, And that's that's one thing you can do if

0:38:20.000 --> 0:38:21.759
<v Speaker 2>you if you if you put down a load down

0:38:21.800 --> 0:38:24.759
<v Speaker 2>payment too and you're paying mortgage insurance. Once you get

0:38:24.800 --> 0:38:28.200
<v Speaker 2>to that equity sweet spot where you have twenty percent equity,

0:38:29.160 --> 0:38:31.480
<v Speaker 2>you can try you can try to refinance out of

0:38:31.480 --> 0:38:35.239
<v Speaker 2>that loan to get rid of that PMI requirement.

0:38:35.960 --> 0:38:37.759
<v Speaker 1>And know too that they are banks that offer, like

0:38:37.880 --> 0:38:42.360
<v Speaker 1>right now, M and T like milk and tomatoes. I

0:38:42.360 --> 0:38:46.080
<v Speaker 1>don't know M and T. I didn't know what else

0:38:46.160 --> 0:38:50.080
<v Speaker 1>with that milk and tacos. So M and T Bank

0:38:50.239 --> 0:38:52.520
<v Speaker 1>is a bank that we were actually gonna use Superman

0:38:52.560 --> 0:38:55.000
<v Speaker 1>and I before we decided to pay cash because M

0:38:55.040 --> 0:38:59.120
<v Speaker 1>and T was offering uh, I want to say, uh

0:38:59.280 --> 0:39:05.000
<v Speaker 1>six percent or up to like eighteen or nineteen thousand

0:39:05.080 --> 0:39:10.399
<v Speaker 1>dollars toward closing costs because M ANDT was found doing

0:39:10.440 --> 0:39:13.080
<v Speaker 1>some like, you know, disreputable things to folks that are brown,

0:39:13.239 --> 0:39:18.480
<v Speaker 1>so Latina, Latino and black folks. And so if you

0:39:19.080 --> 0:39:22.000
<v Speaker 1>are a person of color and you're wanting to live

0:39:22.040 --> 0:39:24.200
<v Speaker 1>in a neighborhood which is fifty percent or more people

0:39:24.239 --> 0:39:27.400
<v Speaker 1>of color than M and T, if you get your

0:39:27.440 --> 0:39:31.160
<v Speaker 1>mortgage to them, they and that's literally it. There's no

0:39:31.280 --> 0:39:33.759
<v Speaker 1>other income requirement or whatever. Because we were looking at

0:39:33.800 --> 0:39:35.279
<v Speaker 1>a bunch of houses and we just gave them the

0:39:35.360 --> 0:39:37.839
<v Speaker 1>zip code and they say, yep, that fits the criteria

0:39:38.440 --> 0:39:41.160
<v Speaker 1>and we would we would get up to I think

0:39:41.200 --> 0:39:43.919
<v Speaker 1>it was like eighteen something, eighteen thousand something. So there

0:39:43.960 --> 0:39:46.279
<v Speaker 1>are you might be able to use that to help

0:39:46.320 --> 0:39:48.640
<v Speaker 1>you with that. So there are programs like that, and

0:39:48.760 --> 0:39:51.160
<v Speaker 1>they don't widely talk about that, like if you do

0:39:51.200 --> 0:39:53.600
<v Speaker 1>a Google search. It took me forever to find it

0:39:53.680 --> 0:39:55.680
<v Speaker 1>and I just called and they were like, yeah, we

0:39:55.680 --> 0:39:57.600
<v Speaker 1>do have that program.

0:39:57.680 --> 0:39:59.880
<v Speaker 2>Yeah, just doing a search for your city and then

0:40:00.080 --> 0:40:03.680
<v Speaker 2>down payment assistant programs or first time home buyer programs.

0:40:04.200 --> 0:40:06.080
<v Speaker 2>You never know what may be offered in your local

0:40:06.080 --> 0:40:11.040
<v Speaker 2>community by your local banks that are out there exactly.

0:40:11.200 --> 0:40:12.640
<v Speaker 1>We have one good question.

0:40:12.840 --> 0:40:15.880
<v Speaker 2>Yeah, let's do a quick question. This is from listener Asia.

0:40:16.480 --> 0:40:19.560
<v Speaker 2>Asia has a credit report question. She says, I just

0:40:19.640 --> 0:40:23.040
<v Speaker 2>requested my credit report from all three bureaus. After looking

0:40:23.040 --> 0:40:27.640
<v Speaker 2>it over, I've noticed there is thirteen inquiries, which none

0:40:27.640 --> 0:40:30.120
<v Speaker 2>of which not sure we're considered hard or not, but

0:40:30.200 --> 0:40:33.120
<v Speaker 2>thirteen inquiries that have posted in the past year, and

0:40:33.160 --> 0:40:36.279
<v Speaker 2>I only recognize two out of the thirteen inquiries. It's

0:40:36.320 --> 0:40:38.720
<v Speaker 2>clear to me that some sort of fraud has taken place.

0:40:38.800 --> 0:40:41.680
<v Speaker 2>I have a suspicion who it might be. My question

0:40:41.840 --> 0:40:44.680
<v Speaker 2>is what can I do to have these inquiries removed,

0:40:45.120 --> 0:40:47.799
<v Speaker 2>have a fraud alert placed at my credit reporter accounts,

0:40:47.840 --> 0:40:52.480
<v Speaker 2>and prevent this from happening in the future. Thanks in

0:40:52.520 --> 0:41:01.040
<v Speaker 2>advance Asia, Then there girl happened to me. Yes, question one,

0:41:01.080 --> 0:41:02.840
<v Speaker 2>have the inquiries removed?

0:41:03.600 --> 0:41:06.799
<v Speaker 1>Yes, she can have inquiries removed, but I will one

0:41:06.880 --> 0:41:08.800
<v Speaker 1>make sure that because sometimes you'll have an increy and

0:41:08.840 --> 0:41:11.040
<v Speaker 1>it's a soft inquiry, you know, so you want to

0:41:11.040 --> 0:41:14.520
<v Speaker 1>make sure that the thirteen are indeed like increase where

0:41:14.560 --> 0:41:18.399
<v Speaker 1>somebody gave your information in order to get you know,

0:41:18.840 --> 0:41:21.600
<v Speaker 1>credit or whatever in order to incur more debt, because

0:41:21.640 --> 0:41:23.440
<v Speaker 1>it could just be like if someone sends you like

0:41:23.480 --> 0:41:26.120
<v Speaker 1>a soft solicitation, like hey, you've been pre approofd for

0:41:26.160 --> 0:41:28.040
<v Speaker 1>a credit card. That's also an inquiry, but it's a

0:41:28.040 --> 0:41:30.239
<v Speaker 1>soft inquiry. It doesn't affect you. So I would just say,

0:41:30.280 --> 0:41:30.719
<v Speaker 1>first do.

0:41:30.719 --> 0:41:34.479
<v Speaker 2>That and if you if they really are a hard

0:41:34.520 --> 0:41:37.200
<v Speaker 2>inquiry and someone's actually open an account, she doesn't mention

0:41:37.239 --> 0:41:39.400
<v Speaker 2>if like they're actually tied to an account that's been opened,

0:41:40.320 --> 0:41:42.799
<v Speaker 2>you can dispute those through each You have to do

0:41:42.840 --> 0:41:44.759
<v Speaker 2>it through each of the three credit bureaus, but each

0:41:44.800 --> 0:41:47.560
<v Speaker 2>bureau will have a dispute form where you can say, hey,

0:41:47.560 --> 0:41:50.120
<v Speaker 2>I don't recognize this inquiry or I don't recognize this account,

0:41:50.239 --> 0:41:54.160
<v Speaker 2>it's fraudulent, and then they'll start the investigation. I think

0:41:54.200 --> 0:41:56.560
<v Speaker 2>they have like forty five days by law to get

0:41:56.600 --> 0:42:00.879
<v Speaker 2>back to you. Thirty or forty five days. Number two

0:42:01.200 --> 0:42:02.800
<v Speaker 2>she I think number two and number three maybe the

0:42:02.840 --> 0:42:04.680
<v Speaker 2>same thing. But she wants to know about adding a

0:42:04.719 --> 0:42:10.319
<v Speaker 2>fraud alert on her credit report. I think that I'm

0:42:10.320 --> 0:42:12.439
<v Speaker 2>pretty sure each of the three bureaus has some sort

0:42:12.480 --> 0:42:14.680
<v Speaker 2>of fraud alert system that you can sign up for

0:42:15.480 --> 0:42:18.279
<v Speaker 2>if you've been a victim of one of these data breaches, like,

0:42:18.320 --> 0:42:21.000
<v Speaker 2>for example, the Equifax data breach. They offer they actually

0:42:21.000 --> 0:42:25.680
<v Speaker 2>offered some free credit monitoring services, so you can actually

0:42:25.680 --> 0:42:28.640
<v Speaker 2>get it for free that way. Or you could do

0:42:28.719 --> 0:42:30.440
<v Speaker 2>what I did. Do what I did, which is to

0:42:30.480 --> 0:42:34.120
<v Speaker 2>put a credit freeze on my accounts on all three bureaus,

0:42:34.160 --> 0:42:36.799
<v Speaker 2>and that just means that nobody's allowed to open a

0:42:36.800 --> 0:42:39.759
<v Speaker 2>credit card or open an account. You know, I realized

0:42:39.840 --> 0:42:41.880
<v Speaker 2>I couldn't even open a CD because I had a

0:42:41.880 --> 0:42:44.319
<v Speaker 2>credit freeze. I had to thaw my report before I

0:42:44.320 --> 0:42:47.640
<v Speaker 2>could open up a CD account recently, which you know,

0:42:47.680 --> 0:42:50.680
<v Speaker 2>it was fine, but it just prevents that it prevents

0:42:50.719 --> 0:42:53.600
<v Speaker 2>anybody but you from opening up an account.

0:42:54.640 --> 0:42:56.160
<v Speaker 1>And so like I said, you know, I have a

0:42:57.120 --> 0:43:02.000
<v Speaker 1>LifeLock because I was having so much trouble with people like, well,

0:43:02.040 --> 0:43:04.520
<v Speaker 1>not me, but Superman was just I don't know, people

0:43:04.560 --> 0:43:06.960
<v Speaker 1>were stilling his identity left and right, like somebody bought

0:43:07.000 --> 0:43:09.480
<v Speaker 1>a car, just all of this stuff. So finally he

0:43:09.520 --> 0:43:13.040
<v Speaker 1>got LifeLock and then he's like he really should get

0:43:13.040 --> 0:43:15.040
<v Speaker 1>it too, And I've paid like what ten bucks a month,

0:43:15.520 --> 0:43:18.239
<v Speaker 1>and I get like a notification like if I try

0:43:18.239 --> 0:43:20.600
<v Speaker 1>to open up a bank account, even myself, I get

0:43:20.600 --> 0:43:23.080
<v Speaker 1>a notification like, hey, Tiffany, someone's at a bank trying

0:43:23.080 --> 0:43:25.000
<v Speaker 1>to open up a bank account. Is that you. They'll

0:43:25.000 --> 0:43:26.440
<v Speaker 1>text me and they'll email me and I have to

0:43:26.440 --> 0:43:29.040
<v Speaker 1>say yes or no. So it might just be worth

0:43:29.239 --> 0:43:31.319
<v Speaker 1>worth it, you know, to look into that as well.

0:43:32.520 --> 0:43:36.920
<v Speaker 2>Yeah, So those types of services are identity identity monitoring.

0:43:37.680 --> 0:43:40.720
<v Speaker 1>Yeah, not even monitoring, because the monitoring stuff is usually free.

0:43:41.000 --> 0:43:43.960
<v Speaker 1>It's literally a protection so it stops people. So like

0:43:44.400 --> 0:43:46.680
<v Speaker 1>for example, like this credit sess to me might have

0:43:46.760 --> 0:43:50.760
<v Speaker 1>identity monitoring, which means, you know, they'll show you, Hey,

0:43:51.120 --> 0:43:54.200
<v Speaker 1>these things are happening, but they won't stop people from

0:43:54.760 --> 0:43:57.600
<v Speaker 1>opening up account. So something like a LifeLock, Well, if

0:43:57.640 --> 0:44:00.399
<v Speaker 1>someone tries to open an account, even if it is you,

0:44:00.920 --> 0:44:04.160
<v Speaker 1>there's another firewall that pops up with you yourself. They'll

0:44:04.160 --> 0:44:07.320
<v Speaker 1>call you, they'll texture, they email you to have clear verification,

0:44:07.480 --> 0:44:20.200
<v Speaker 1>like yes, that's me. Continue all right, quick wins? Do

0:44:20.280 --> 0:44:20.759
<v Speaker 1>you have a win?

0:44:20.960 --> 0:44:23.880
<v Speaker 2>Quick? Quick? Quick? I cannot not give a win to

0:44:24.160 --> 0:44:26.359
<v Speaker 2>the cast of get Out and the director of get Out,

0:44:26.719 --> 0:44:30.279
<v Speaker 2>Jordan Peele, who was nominated for an Oscar Today, which

0:44:30.320 --> 0:44:34.200
<v Speaker 2>is like what a psychological thriller about race? Nominated for

0:44:34.200 --> 0:44:36.799
<v Speaker 2>an Oscar for Best Picture and Best Director, Like that

0:44:37.520 --> 0:44:41.160
<v Speaker 2>is amazing, and so was the actor Daniel Kalua who

0:44:41.560 --> 0:44:45.320
<v Speaker 2>started that movie was nominated as Best Actor alongside Denzel

0:44:45.440 --> 0:44:47.680
<v Speaker 2>A lot of a lot of like brown, brown girl,

0:44:47.719 --> 0:44:51.560
<v Speaker 2>brown guy. Magic. Yeah, they're listening, it's happening.

0:44:52.600 --> 0:44:57.120
<v Speaker 1>And so mine is just just a quick win from

0:44:57.160 --> 0:44:59.799
<v Speaker 1>miss Mary J. Blige because she she got nominated for

0:44:59.840 --> 0:45:01.719
<v Speaker 1>her role in Mudbound, which is I guess it's a

0:45:01.760 --> 0:45:04.360
<v Speaker 1>Netflix yes book.

0:45:04.640 --> 0:45:05.000
<v Speaker 2>I read that.

0:45:05.400 --> 0:45:08.160
<v Speaker 1>That's really good, you know, because Mary Mary's you know,

0:45:08.239 --> 0:45:10.839
<v Speaker 1>she's had a quite a rough year with with you know,

0:45:11.000 --> 0:45:14.160
<v Speaker 1>can do and all can't don't and you know all

0:45:14.200 --> 0:45:15.799
<v Speaker 1>that he's put her through. And I'm like, Mary right

0:45:15.840 --> 0:45:18.400
<v Speaker 1>now is winning on winning. She got her star, her

0:45:18.440 --> 0:45:21.799
<v Speaker 1>Walk of Fame, her you know, on her birthday. So

0:45:21.840 --> 0:45:24.879
<v Speaker 1>I hope he's over there getting his absolute worst life

0:45:24.880 --> 0:45:27.120
<v Speaker 1>as he watches his wife, his ex wife blow up.

0:45:27.280 --> 0:45:29.960
<v Speaker 1>He tried to tear my girl Mary down. And so

0:45:30.800 --> 0:45:33.600
<v Speaker 1>just a little extra grease for your elbow, Mary, That's

0:45:33.600 --> 0:45:35.560
<v Speaker 1>what Nigerians say when they were like, go, hey girl,

0:45:36.040 --> 0:45:39.239
<v Speaker 1>more grease to your elbow. And yeah, just it's it's

0:45:39.280 --> 0:45:42.399
<v Speaker 1>dope to see all of this Brown is shining during

0:45:42.440 --> 0:45:45.360
<v Speaker 1>the award season and and what was his sterling k Brown?

0:45:45.400 --> 0:45:47.480
<v Speaker 1>You know this is us Like, didn't he get the SAG.

0:45:47.400 --> 0:45:50.640
<v Speaker 2>Award continues making history as the first African American I

0:45:50.760 --> 0:45:52.000
<v Speaker 2>had to win all these awards.

0:45:52.200 --> 0:45:56.600
<v Speaker 1>Yeah, he cried and I was like yes, so yeah,

0:45:56.640 --> 0:46:00.719
<v Speaker 1>So that's winds good on good, And hopefully we have

0:46:00.719 --> 0:46:03.640
<v Speaker 1>a little surprise for you coming up right. We're you know,

0:46:03.640 --> 0:46:06.560
<v Speaker 1>we're gonna tease at it, but hopefully we'll have like

0:46:06.600 --> 0:46:08.680
<v Speaker 1>a really dope interview. You know, we don't do interviews

0:46:08.760 --> 0:46:10.960
<v Speaker 1>very often, but I think this person is gonna be amazing.

0:46:11.800 --> 0:46:13.800
<v Speaker 1>If I'm able to be here, I will. If not,

0:46:13.960 --> 0:46:18.920
<v Speaker 1>you already know, Mandy, got y'all and yes, and you

0:46:18.960 --> 0:46:20.920
<v Speaker 1>know I will be listening from my bed as I

0:46:21.040 --> 0:46:22.759
<v Speaker 1>order Superman around because I won't be able to get

0:46:22.840 --> 0:46:24.640
<v Speaker 1>up for two for a few days. Like give it,

0:46:24.960 --> 0:46:27.680
<v Speaker 1>give it X. Yeah, I have a bell. Oh, I

0:46:27.680 --> 0:46:31.880
<v Speaker 1>should get a bell. I would be divorced within a

0:46:31.920 --> 0:46:32.680
<v Speaker 1>week with the bell.

0:46:35.400 --> 0:46:39.239
<v Speaker 2>I'll just do what I do in text. Hello, sir

0:46:39.400 --> 0:46:45.200
<v Speaker 2>ten feet away. Well, everything is gonna go well, and

0:46:45.239 --> 0:46:48.879
<v Speaker 2>I wish you a speedy recovery. And I can't wait

0:46:48.920 --> 0:46:51.239
<v Speaker 2>to hear from you and hear that everything went perfectly

0:46:52.280 --> 0:46:55.360
<v Speaker 2>and you're well on your way to get them. Twins.

0:46:55.920 --> 0:46:58.880
<v Speaker 1>Twins, honey, twins, You just wait them. Twins are common