WEBVTT - Ep. 115 — Is This the Worst Time Ever to Buy a House?

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<v Speaker 1>Hey, hey, hey, I'm back and I'm feeling great.

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<v Speaker 2>It's Tiffany and it's Mandy. Hey guys, and this is

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<v Speaker 2>Brown Ambition.

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<v Speaker 3>Yes, look at about professional.

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<v Speaker 2>I got the results of my DNA test that I

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<v Speaker 2>that I sent to twenty three and me. No, my

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<v Speaker 2>husband said we might have to change the name of

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<v Speaker 2>the show to Beijes Ambition.

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<v Speaker 3>Why.

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<v Speaker 2>It turns out I'm fifty four percent European and forty

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<v Speaker 2>three percent sub Saharan African. I'm only forty three percent black. Yay, Like, so.

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<v Speaker 3>What because so your father like because.

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<v Speaker 2>I was saying, like it's so funny. I mean I

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<v Speaker 2>guess that means maybe my dad. I mean, yeah, I

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<v Speaker 2>had a little bit of European. Who knows. It was interesting.

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<v Speaker 2>I mean there was nothing too shocking. That was just

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<v Speaker 2>really hilarious.

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<v Speaker 3>Yeah. Also sub Saharan African, that's like what Ethiopia? Like,

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<v Speaker 3>what's that?

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<v Speaker 4>Oh?

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<v Speaker 2>Actually did I say sub Saharan? Sorry, I met Western Africa.

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<v Speaker 2>I'm a little bit Subsaharan. It was the same thing,

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<v Speaker 2>you know. I shared my dad's results a little while ago.

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<v Speaker 2>He was he did ancestry dot Com. I did twenty

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<v Speaker 2>three and me and his results were all the you know,

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<v Speaker 2>the the main you know, Ghana, Nigeria, all those West

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<v Speaker 2>African countries, African countries, and I basically had the same. Yeah,

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<v Speaker 2>I'm way more British and Irish than I thought. I mean,

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<v Speaker 2>I guess that makes sense. I knew my I knew

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<v Speaker 2>my mom's side came from Ireland. I didn't know all

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<v Speaker 2>the all the all the British side too.

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<v Speaker 1>But interesting, did your dad when he did his did

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<v Speaker 1>any like European things pop up, even in the smallest.

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<v Speaker 2>I should go back and look now and see, because

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<v Speaker 2>I didn't really, I didn't even look that hard at

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<v Speaker 2>my dad's results. I just looked at, you know, like

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<v Speaker 2>what we're in Africa, my people came from. But yeah,

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<v Speaker 2>a thirty nine point eight percent West African I am

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<v Speaker 2>and two point five percent whatever broadly sub Saharan Africa means.

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<v Speaker 2>I don't know, that's that's the other two percent.

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<v Speaker 1>Well, I if I can speak for the Black delegation,

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<v Speaker 1>we certainly would love for you to maintain your membership.

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<v Speaker 1>There are things you're gonna have to say every year

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<v Speaker 1>you will have to renew to watch good Times.

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<v Speaker 2>You have to pay the extra dues.

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<v Speaker 1>Yeah, the extra dues, You're going to have to wear

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<v Speaker 1>your curly hair at least I would say one or

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<v Speaker 1>two months out of the year.

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<v Speaker 2>Are you kidding? I haven't straightened this hair in two

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<v Speaker 2>years exactly.

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<v Speaker 3>This is why we're allowed you to maintain your membership.

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<v Speaker 2>It's a mess now for real. My hair has turned

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<v Speaker 2>into like a chia pet gone wrong. Really, but I

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<v Speaker 2>love your hair, I know, but like it's bad. It's

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<v Speaker 2>like an overgrown head right now. And I keep trying

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<v Speaker 2>to trim it. I keep saying, like, oh, I can

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<v Speaker 2>just trim my own hair, and I mean, I call

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<v Speaker 2>it a hedge. I'm just making fun of my hair

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<v Speaker 2>because it's just, you know, I really do trim it

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<v Speaker 2>like a hedge. I just snip, snip, snipped, like around

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<v Speaker 2>till it's shaped roughly, like evenly. But I haven't been

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<v Speaker 2>to a real salon in two years now, so I

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<v Speaker 2>need I need an actual haircut. I'm like, because I

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<v Speaker 2>turn around and there are long strands of curly hair

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<v Speaker 2>that are like that are way longer than the rest

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<v Speaker 2>of it. I slick in a little ratchet like you know.

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<v Speaker 2>I saw my nineteen year old cousin yesterday and she

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<v Speaker 2>was like it don't look right, like, you know what.

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<v Speaker 3>Once the kids start telling me, you're like, you know what.

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<v Speaker 2>That was my real rude awakening. I was like, oh, yeah,

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<v Speaker 2>I can't.

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<v Speaker 3>Start saying stuffing. You're like, you know what, let me adjust.

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<v Speaker 2>She's just say it doesn't look right.

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<v Speaker 3>So I was.

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<v Speaker 1>I went to I had my two week update with

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<v Speaker 1>the doctor. Everything is great. I told her my plans

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<v Speaker 1>of trying to have twins, and she said, she's like,

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<v Speaker 1>I want you to try naturally first. There's some tests

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<v Speaker 1>you can take apparently where they like sir die inside

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<v Speaker 1>you and they kind of follow the path of the

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<v Speaker 1>way an egg would go.

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<v Speaker 3>And she was like, yeah, I know.

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<v Speaker 1>She's like it's kind of unpleasant, so take motrid ahead

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<v Speaker 1>of time. I'm like, great, but basically it'll it'll show

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<v Speaker 1>to make sure that my tubes and everything are flowing fully.

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<v Speaker 1>But she said she suspects they are, and she doesn't

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<v Speaker 1>want me to go through IVF.

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<v Speaker 3>She really wants me to do natural first. And I'm like,

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<v Speaker 3>but what if I want twins.

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<v Speaker 1>She's like, the female body is really meant to carry

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<v Speaker 1>one baby at a time, although it does happen that

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<v Speaker 1>people carry two, but that's not really what the uterus

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<v Speaker 1>is for. And I'm like, so now I'm torn. So

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<v Speaker 1>I'm definitely open to brown ambition and feedback.

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<v Speaker 2>She said, I get those babies in bulk.

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<v Speaker 4>I know.

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<v Speaker 3>Well she said that, you know, it's not me.

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<v Speaker 1>She's like, obviously people do it, but she's just like, well,

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<v Speaker 1>I would prefer now if I was like thirty, I

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<v Speaker 1>would definitely be like, sure, girl, But I'm thirty eight,

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<v Speaker 1>and so I guess I'm a little nervous that what if,

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<v Speaker 1>like I can't, like I really would like my my

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<v Speaker 1>baby to have a sister or a brother, and I'm nervous.

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<v Speaker 1>I mean, Supergirl is obviously it's gonna be her sister,

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<v Speaker 1>but Supergirl is already eleven. And I'm like, you know,

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<v Speaker 1>like a playmate, so like, because I know what it

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<v Speaker 1>was like growing up with like somebody in my age range,

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<v Speaker 1>you know, yeah, well, I.

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<v Speaker 2>Mean you can only plan so much. And what I

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<v Speaker 2>would say is, you know you're gonna have what you're

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<v Speaker 2>gonna have, and you know you are friends who have kids,

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<v Speaker 2>and like I.

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<v Speaker 3>Have a these to a nephew.

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<v Speaker 1>So I just said, well, at the very least, I'm

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<v Speaker 1>at least gonna take do the test to see if

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<v Speaker 1>she was like, if you flow freely, then there, then

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<v Speaker 1>you can decide after that. So my mom told me

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<v Speaker 1>she was gonna say, my mom is off for go

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<v Speaker 1>get your twins, girl. But that's because every every grandma,

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<v Speaker 1>potential grandma is always like more than marrier, the more

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<v Speaker 1>the marrier.

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<v Speaker 3>So but she told me, she's like, your doctor's gonna

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<v Speaker 3>tell you shouldn't, but it's not like you can't.

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<v Speaker 1>So I'm gonna just gather as much information as I

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<v Speaker 1>can and make the best decision possible. Superman is getting

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<v Speaker 1>nervous now because he's like, I can't raise these babies

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<v Speaker 1>on my own. I'm like, you are so dramatic. He's

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<v Speaker 1>just he's worried that like something would happen to me

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<v Speaker 1>and like childbirth. I'm like, oh my god, please don't,

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<v Speaker 1>let's not go that far just yet.

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<v Speaker 2>Well, I mean that's a that's a sweet inclination. Yeah,

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<v Speaker 2>I mean, did you see Actually that reminds me. On

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<v Speaker 2>a sad note, there was this this viral. This guy

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<v Speaker 2>on Instagram is going viral because he's been posting about

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<v Speaker 2>he lost his wife and childbirth. It's amazing to think

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<v Speaker 2>that still happens. In like twenty eighteen, I know, right

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<v Speaker 2>in America. Yeah, so he lost his wife and it's

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<v Speaker 2>just like this video of him dancing with his newborn

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<v Speaker 2>and like the internet is just eating I'm not eating

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<v Speaker 2>it up. That sounds like cheap, but it's so sad.

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<v Speaker 3>I see that.

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<v Speaker 2>It's like sharing his pain. It's it's the most It's

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<v Speaker 2>what social media. It's when I like social media for once,

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<v Speaker 2>I'm like, Okay, someone's sharing something real, but it's just

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<v Speaker 2>so sad, like he's really working through the grief and

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<v Speaker 2>the public eye.

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<v Speaker 3>Yeah, he's probably therapeutic for him.

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<v Speaker 2>I don't know. I mean it's it's definitely. I feel

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<v Speaker 2>like he's probably getting a lot of support and yeah,

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<v Speaker 2>it must be really hard, but someone did. We did

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<v Speaker 2>get an email from someone who reached out and just

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<v Speaker 2>wanted to check on you after your surgery.

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<v Speaker 1>Oh a lot of people have hit me up on

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<v Speaker 1>social Just thank you guys. Honestly, I feel really like

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<v Speaker 1>last week was like kind of like the last week

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<v Speaker 1>where I was like, oh, my stitches. I feel I mean,

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<v Speaker 1>it's deceptive because you want to be careful, but I

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<v Speaker 1>have to say I feel like eighty five maybe even

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<v Speaker 1>I would say eighty five percent myself. Like I'm sleeping normally.

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<v Speaker 1>You know, I'm not carrying anything heavy or anything like that.

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<v Speaker 1>But I'm not in pain at all. Sometimes I feel

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<v Speaker 1>a little tight and it's down there just to remind me,

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<v Speaker 1>like slow down.

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<v Speaker 3>But other than that, I feel good.

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<v Speaker 1>I've been I'm back to quote unquote work, you know,

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<v Speaker 1>as far as meanings, back to sitting at my computer.

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<v Speaker 3>I'm not gonna lie.

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<v Speaker 1>It's been at It's been hard to jump start because

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<v Speaker 1>I literally took off like a week and a half

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<v Speaker 1>and I'm like, all right, Tiffany, come on, Tiffany, come on,

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<v Speaker 1>you know. But yeah, if you guys have reached out

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<v Speaker 1>to me on social and just hit me up in

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<v Speaker 1>the inbox, and I just want to say thank you,

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<v Speaker 1>you know.

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<v Speaker 3>It's and it was.

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<v Speaker 1>It's what's so crazy is how many women are like

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<v Speaker 1>I had the surgery or I have fiboids, and somebody

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<v Speaker 1>hit me that I thought was great. She was like,

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<v Speaker 1>thank you so much for talking about how your insurance

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<v Speaker 1>covered it.

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<v Speaker 3>I didn't know that.

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<v Speaker 1>She's like, I checked, and my insurance covers my surgery.

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<v Speaker 1>I'm getting mine too, And I was like, yes, that's awesome.

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<v Speaker 2>Thanks. Oh relation. That just reminds me tomorrow was Valentine's Day.

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<v Speaker 2>I'll me Valentine's Day.

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<v Speaker 1>Everybody listen, and if you're with somebody who's called a

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<v Speaker 1>Valentine's Day, break up with them.

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<v Speaker 2>Oh god, man, someone misspelled definitely today and I just

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<v Speaker 2>got the shivers. I was in that word.

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<v Speaker 3>Like pacific and specific.

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<v Speaker 2>Oh lord, I can go, we can go.

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<v Speaker 3>I don't.

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<v Speaker 1>Let's not do that mean while I'm the word like,

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<v Speaker 1>I don't even judge because when like, in my head,

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<v Speaker 1>I type correctly, But then I reread some of my

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<v Speaker 1>Facebook statuses and I'm like, so there's no spell check

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<v Speaker 1>anywhere on your computer, Tiffany, because this is horrendous.

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<v Speaker 3>I'm just not a.

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<v Speaker 1>Good like typer, although in my head I know the

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<v Speaker 1>right things to say.

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<v Speaker 2>That's okay, we forgive you.

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<v Speaker 1>Are you guys gonna do anything I told I told Superman, like, eh,

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<v Speaker 1>I don't you know, I don't care.

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<v Speaker 2>It's a nice excuse to actually it's a nice excuse

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<v Speaker 2>to do something nice if you want to. But I

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<v Speaker 2>don't feel pressure. We we're you know, we're in the

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<v Speaker 2>middle of this house process and we're both just like

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<v Speaker 2>a bundle of nerves. So we are going to see

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<v Speaker 2>Black Panther on Friday, not technically a Valentine's Day date,

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<v Speaker 2>but I'm excited. It looks really good. I got these

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<v Speaker 2>tickets like a month ago.

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<v Speaker 1>It does look I honestly, everyone keeps saying I have

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<v Speaker 1>not seen one negative review, which is.

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<v Speaker 3>Like unheard of. Yeah.

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<v Speaker 2>The soundtrack is amazing. Kendrick Lamard did the soundtrack. It

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<v Speaker 2>is like the blackest I mean, first of all, like

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<v Speaker 2>to have the first. This is this is the first

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<v Speaker 2>all black superhero movie, right or primarily black, right. I

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<v Speaker 2>can't think of another one. Maybe that one on Netflix

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<v Speaker 2>with Luthor or whatever it is. But this is like

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<v Speaker 2>a Marvel movie. Yeah, And I just love that they

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<v Speaker 2>they are doing the most with it and really embracing it.

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<v Speaker 2>And they got they got Ryan Kugler to direct, like

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<v Speaker 2>he directed? Did he direct Fruitvale Station in Rocky?

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<v Speaker 3>I don't know. I'm not a good director.

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<v Speaker 2>Okay, I'm pretty sure that's right. And they got Kendrick

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<v Speaker 2>Lamargin to the soundtrack, like you know, I don't know.

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<v Speaker 2>It's amazing.

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<v Speaker 3>It's black on black on black, black and.

0:10:32.160 --> 0:10:32.800
<v Speaker 2>Black by black.

0:10:43.120 --> 0:10:46.720
<v Speaker 3>All right, are you ready for some brown break?

0:10:46.720 --> 0:10:52.920
<v Speaker 5>Brown booth always well, I am going to take a

0:10:52.960 --> 0:10:57.280
<v Speaker 5>brown break from the people who are going a little

0:10:57.320 --> 0:11:00.920
<v Speaker 5>bit too hard against these new presidential the first Lady

0:11:01.320 --> 0:11:05.199
<v Speaker 5>and President Barack Obama their their new official portraits.

0:11:05.320 --> 0:11:08.240
<v Speaker 3>Oh lord, I'm gonna take a brown I mean.

0:11:08.160 --> 0:11:09.319
<v Speaker 2>I'm not the break.

0:11:09.760 --> 0:11:12.400
<v Speaker 1>Yes, Like, so, when I first saw, I'm very familiar

0:11:12.520 --> 0:11:16.280
<v Speaker 1>with let me you know, let me portraits because I'm gonna.

0:11:16.280 --> 0:11:17.760
<v Speaker 1>I don't want to say their name is wrong because

0:11:18.000 --> 0:11:23.319
<v Speaker 1>especially since the young man who painted it is is Nigerian.

0:11:24.040 --> 0:11:25.840
<v Speaker 2>So then was it a young because I've only seen

0:11:25.840 --> 0:11:28.480
<v Speaker 2>the woman who painted Michelle. So two separate artists did

0:11:28.480 --> 0:11:29.119
<v Speaker 2>the portraits.

0:11:29.760 --> 0:11:32.199
<v Speaker 3>So it's like, let me see, but.

0:11:32.200 --> 0:11:34.040
<v Speaker 2>They selected them personally, right.

0:11:34.559 --> 0:11:39.599
<v Speaker 1>Yeah, so and and and the portraits are honestly, the

0:11:40.360 --> 0:11:45.079
<v Speaker 1>portraits are perfect representations of like their work, you know

0:11:45.120 --> 0:11:49.880
<v Speaker 1>what I mean. And so it's like, Okay, it's Cayenne

0:11:49.880 --> 0:11:52.160
<v Speaker 1>Dee Wiley. I believe he's Nigerian and at least I

0:11:52.200 --> 0:11:55.400
<v Speaker 1>think he's West African. So and then Amy Sheryld who's

0:11:55.400 --> 0:11:57.959
<v Speaker 1>from Detroit, So Kayne Wiley, Like.

0:11:58.320 --> 0:12:01.880
<v Speaker 2>Sorry, people are already messing with this one of Obama

0:12:01.920 --> 0:12:04.480
<v Speaker 2>because you know he's in like the bushes it's beautiful.

0:12:04.960 --> 0:12:07.800
<v Speaker 2>They put like Sean Spicer creeping out from behind the bushes.

0:12:07.960 --> 0:12:10.320
<v Speaker 6>All right, sorry, but people are going so hard and

0:12:10.360 --> 0:12:16.280
<v Speaker 6>I'm like, so most people liked the President Obama's his portrait,

0:12:16.559 --> 0:12:18.240
<v Speaker 6>but I mean that's how and some people don't.

0:12:18.240 --> 0:12:20.240
<v Speaker 1>But that's if you look at Cayenne's and stuff, it's

0:12:20.400 --> 0:12:22.600
<v Speaker 1>it's larger than life. I've seen it at the Brooklyn Museum.

0:12:22.640 --> 0:12:26.040
<v Speaker 1>It's beautiful and like his stuff always has his background

0:12:26.080 --> 0:12:26.240
<v Speaker 1>like this.

0:12:26.280 --> 0:12:29.199
<v Speaker 3>So it's not a huge surprise. They clearly knew. It

0:12:29.240 --> 0:12:31.160
<v Speaker 3>wasn't like, oh my god, I've never seen it before.

0:12:31.760 --> 0:12:33.920
<v Speaker 1>Like you know, anybody who's an artist knows that that

0:12:33.960 --> 0:12:35.800
<v Speaker 1>you do a sketch and then the color sketch. There's

0:12:35.840 --> 0:12:38.360
<v Speaker 1>all of these processes that go along. So these weren't

0:12:38.440 --> 0:12:41.160
<v Speaker 1>unveiled like oh my god, what is this? And then

0:12:41.360 --> 0:12:43.560
<v Speaker 1>Amy Cheryl that's the one that people are having the

0:12:43.600 --> 0:12:49.800
<v Speaker 1>biggest pushback with because so she is the first lady

0:12:49.920 --> 0:12:54.000
<v Speaker 1>is kind of gray tone, which is typical of her paintings.

0:12:55.000 --> 0:12:58.200
<v Speaker 1>And then but her dress has a lot of meaning

0:12:58.280 --> 0:13:03.040
<v Speaker 1>that there's different take cloth and can't take cloth. It

0:13:03.160 --> 0:13:07.320
<v Speaker 1>was meant to give different messages, like different patterns that

0:13:07.360 --> 0:13:09.600
<v Speaker 1>you wove into can't take cloth. We'd give different messages

0:13:09.880 --> 0:13:14.160
<v Speaker 1>so that way slaves could communicate with each other without

0:13:15.000 --> 0:13:19.240
<v Speaker 1>their master's knowing. And so she, yeah, she embedded all

0:13:19.240 --> 0:13:21.160
<v Speaker 1>that in there. And so when I first saw the

0:13:21.160 --> 0:13:23.560
<v Speaker 1>first ladies, I wasn't in love, I will be honest,

0:13:23.679 --> 0:13:25.960
<v Speaker 1>but it's definitely grown on me, especially as I've looked

0:13:26.000 --> 0:13:29.760
<v Speaker 1>up this woman's her her work, and I'm like, you know, it's.

0:13:29.640 --> 0:13:32.000
<v Speaker 3>Grown on me. But people are really like, I mean,

0:13:32.000 --> 0:13:32.920
<v Speaker 3>this is historic.

0:13:33.440 --> 0:13:38.840
<v Speaker 1>This is two black artists drawing the first black president

0:13:38.960 --> 0:13:45.319
<v Speaker 1>and his first lady, who is also African American, and

0:13:45.320 --> 0:13:47.800
<v Speaker 1>and they're black artists, and this stuff was gonna live

0:13:47.840 --> 0:13:49.760
<v Speaker 1>in history forever and ever. I don't know if you've

0:13:49.760 --> 0:13:53.320
<v Speaker 1>seen the lineup of like the last ten presidentss their

0:13:54.120 --> 0:13:57.960
<v Speaker 1>their portraits, it's like gray and brown and black tones.

0:13:57.960 --> 0:14:00.000
<v Speaker 1>They're all beautiful and then all of a sudden boom

0:14:00.600 --> 0:14:05.120
<v Speaker 1>present Obama's portrait, which is like beautifully lush and green

0:14:05.160 --> 0:14:07.840
<v Speaker 1>and full of life. And they will go down in history.

0:14:07.880 --> 0:14:12.840
<v Speaker 1>And you cannot like the art itself because it's super subjective.

0:14:13.080 --> 0:14:15.520
<v Speaker 1>But people are like just dragging almost like the artists,

0:14:15.520 --> 0:14:19.000
<v Speaker 1>which I'm just like really like I'm just over it, Like.

0:14:18.960 --> 0:14:21.440
<v Speaker 3>I get it. You don't like it. Honestly, I don't care.

0:14:22.400 --> 0:14:24.560
<v Speaker 2>I think people are too quick to judge. I mean,

0:14:24.560 --> 0:14:26.440
<v Speaker 2>if you ever go to first of all, I think

0:14:26.840 --> 0:14:29.120
<v Speaker 2>seeing a little tiny image on your computer or your

0:14:29.160 --> 0:14:31.080
<v Speaker 2>phone is not the same thing as being in front

0:14:31.080 --> 0:14:33.840
<v Speaker 2>of this massive work of art. And if you've ever

0:14:33.840 --> 0:14:36.000
<v Speaker 2>gone to a museum, you mean, the whole point of

0:14:36.040 --> 0:14:38.080
<v Speaker 2>those benches in a museum is to sit with it

0:14:38.120 --> 0:14:40.000
<v Speaker 2>and to look at it and let it wash over you.

0:14:40.680 --> 0:14:43.640
<v Speaker 2>And some art isn't necessarily as easy to digest as

0:14:43.680 --> 0:14:46.920
<v Speaker 2>others because it challenges you because it doesn't look easy

0:14:47.040 --> 0:14:51.680
<v Speaker 2>and palatable. And I'm not This is not to shade

0:14:52.600 --> 0:14:55.160
<v Speaker 2>the man who did Obama's portrait, because it's beautiful and lush,

0:14:55.160 --> 0:14:56.920
<v Speaker 2>and I think that's maybe a little bit more appealing

0:14:57.040 --> 0:14:59.240
<v Speaker 2>just because the color is used. They're just easy to

0:14:59.280 --> 0:15:04.440
<v Speaker 2>digest and they're they're so clearly vibrant, and Michelle's is quieter.

0:15:04.640 --> 0:15:06.240
<v Speaker 2>I mean, I think that you just have to give

0:15:06.240 --> 0:15:09.320
<v Speaker 2>it a chance. It's regal, it's elegant. To me, it's

0:15:09.320 --> 0:15:11.320
<v Speaker 2>like it's almost like a black and white image with

0:15:11.360 --> 0:15:14.320
<v Speaker 2>a little bit of saturation added. And I just think

0:15:14.360 --> 0:15:17.120
<v Speaker 2>it's I loved it and I don't see anything like

0:15:17.160 --> 0:15:19.600
<v Speaker 2>I just think people are just First of all, I

0:15:19.600 --> 0:15:21.920
<v Speaker 2>think it's a great headline. Michelle Obama's portra doesn't look

0:15:21.920 --> 0:15:25.200
<v Speaker 2>anything like her. I mean, whether it's a magazine cover

0:15:25.560 --> 0:15:28.640
<v Speaker 2>or you know, an Instagram post. Michelle Obama's appearance from

0:15:28.800 --> 0:15:31.480
<v Speaker 2>the second you know, they hit the national stage has

0:15:31.520 --> 0:15:33.680
<v Speaker 2>been like picked apart. And to me it's kind of

0:15:33.720 --> 0:15:37.800
<v Speaker 2>sad but not surprising that the same as happening with this,

0:15:38.240 --> 0:15:40.280
<v Speaker 2>you know, this work of art maide in her image.

0:15:41.000 --> 0:15:44.680
<v Speaker 1>Yeah and yeah, and like you said, and art doesn't

0:15:44.680 --> 0:15:46.600
<v Speaker 1>have to look like a photograph, like it's.

0:15:46.400 --> 0:15:52.080
<v Speaker 2>Not yah interpretation and it's yeah, the only person who

0:15:52.080 --> 0:15:54.160
<v Speaker 2>really knows it is the artist and whoever's looking at it.

0:15:54.200 --> 0:15:56.800
<v Speaker 2>You know, what does it say to you exactly?

0:15:56.880 --> 0:16:01.320
<v Speaker 1>And from what I understand, you know, first Lady Michelle Obama,

0:16:01.480 --> 0:16:04.200
<v Speaker 1>she picked the artist like seeing some of her work

0:16:04.280 --> 0:16:06.920
<v Speaker 1>like this is this is indicative of her work, like

0:16:07.280 --> 0:16:10.040
<v Speaker 1>gray tones for the skin like it just.

0:16:10.280 --> 0:16:12.400
<v Speaker 3>It looks like her work. I mean some of her

0:16:12.400 --> 0:16:14.000
<v Speaker 3>work is a little bit more colorful, but the.

0:16:13.960 --> 0:16:17.000
<v Speaker 1>Skin of all of her, of all of her people

0:16:17.040 --> 0:16:19.920
<v Speaker 1>are always this color. So I'm just like, and people

0:16:19.960 --> 0:16:22.080
<v Speaker 1>are like putting brown on to talking about I fixed it,

0:16:22.120 --> 0:16:23.480
<v Speaker 1>and I'm like, oh, I don't know.

0:16:23.600 --> 0:16:26.320
<v Speaker 2>Oh that is soone. That's the worst insult I know

0:16:27.120 --> 0:16:27.440
<v Speaker 2>to her.

0:16:29.040 --> 0:16:30.840
<v Speaker 1>Yeah, I it does me because I know what it

0:16:30.880 --> 0:16:32.800
<v Speaker 1>is to like and I think we all know what

0:16:32.840 --> 0:16:35.360
<v Speaker 1>it is to put your heart and soul into something

0:16:36.080 --> 0:16:38.800
<v Speaker 1>and then the reception. It's one thing, like you don't

0:16:38.840 --> 0:16:40.480
<v Speaker 1>have to like everything I do, but then the reception

0:16:40.600 --> 0:16:44.440
<v Speaker 1>to be you know, just levels of disrespect that's just unnecessary,

0:16:44.560 --> 0:16:47.320
<v Speaker 1>like I fixed it, Like girl, this is like my

0:16:47.400 --> 0:16:50.000
<v Speaker 1>life's work, Like to be able to to work with,

0:16:50.160 --> 0:16:52.320
<v Speaker 1>you know, the first black president and his wife, and

0:16:52.640 --> 0:16:54.880
<v Speaker 1>for my things to sit in the Smithsonian as a

0:16:54.880 --> 0:16:57.000
<v Speaker 1>black artist. Do you even know what that means for

0:16:57.080 --> 0:17:00.120
<v Speaker 1>you to say I fixed it or I just so

0:17:00.160 --> 0:17:01.000
<v Speaker 1>you don't have to like it?

0:17:01.080 --> 0:17:01.840
<v Speaker 3>But I don't.

0:17:02.200 --> 0:17:05.120
<v Speaker 1>I think we live in the social media age has

0:17:05.119 --> 0:17:07.960
<v Speaker 1>made everybody think that disrespect is cute.

0:17:08.119 --> 0:17:09.119
<v Speaker 3>Yeah and funny.

0:17:09.160 --> 0:17:11.399
<v Speaker 1>It's like we're all bad three year olds, you know,

0:17:11.440 --> 0:17:13.480
<v Speaker 1>like the three year old that's like listen, Linda, listen.

0:17:13.240 --> 0:17:15.360
<v Speaker 3>Remember that video with that little boy was telling his mother.

0:17:15.680 --> 0:17:17.400
<v Speaker 2>I still quote that video to this day.

0:17:17.840 --> 0:17:20.119
<v Speaker 3>Listen, listen, listen. Okay, listen, listen listen.

0:17:20.400 --> 0:17:22.959
<v Speaker 1>Like we all are like bad three year olds getting

0:17:23.000 --> 0:17:26.679
<v Speaker 1>like high fives for being like disrespectful and unruly. But

0:17:26.680 --> 0:17:29.399
<v Speaker 1>they're like, oh, but it's so funny, like okay, until

0:17:29.400 --> 0:17:31.119
<v Speaker 1>you grow up, but you see people in person and

0:17:31.119 --> 0:17:32.240
<v Speaker 1>you wouldn't say it's in my face.

0:17:32.240 --> 0:17:35.480
<v Speaker 2>Though. Yeah, everyone wants everyone wants a funny hot take

0:17:35.560 --> 0:17:39.200
<v Speaker 2>the most retweets, But this is going to stand through history. Tweets,

0:17:39.240 --> 0:17:42.399
<v Speaker 2>don't you know? Tweets are nothing. This is gonna you know,

0:17:42.840 --> 0:17:45.119
<v Speaker 2>decades from now, kids are going to be passing this

0:17:45.200 --> 0:17:47.879
<v Speaker 2>portrait and they won't think anything of it exactly.

0:17:47.960 --> 0:17:51.119
<v Speaker 1>So that is my brown break from the negativity about

0:17:51.119 --> 0:17:53.200
<v Speaker 1>the portraits. Whether you like it or not, They're here

0:17:53.240 --> 0:17:55.399
<v Speaker 1>to stay. And I'm proud of the two artists.

0:17:55.960 --> 0:17:58.520
<v Speaker 2>Absolutely. Oh I just find anything with their faces on

0:17:58.600 --> 0:18:02.439
<v Speaker 2>and comforting. I'm gonna buy some Michelle Obama socks or something,

0:18:02.960 --> 0:18:08.600
<v Speaker 2>just so I want to do a brown boost this week.

0:18:08.920 --> 0:18:11.920
<v Speaker 2>I actually was hanging out with a couple of friends,

0:18:12.359 --> 0:18:14.720
<v Speaker 2>not this a couple of weekends ago, and I meant

0:18:14.720 --> 0:18:16.240
<v Speaker 2>to do this break this boost last week, but the

0:18:16.240 --> 0:18:19.359
<v Speaker 2>whole lasting took over. So I need to do a

0:18:19.400 --> 0:18:22.919
<v Speaker 2>boost for Sesame Street, the wokest show on the war

0:18:23.040 --> 0:18:25.159
<v Speaker 2>in the world right now. Because I was I was,

0:18:25.200 --> 0:18:26.720
<v Speaker 2>I happen to stay over at their house and they

0:18:26.720 --> 0:18:28.840
<v Speaker 2>have a young daughter, she's a year and a half

0:18:28.920 --> 0:18:31.679
<v Speaker 2>and she loves Sesame Street. And it was Sunday morning,

0:18:31.720 --> 0:18:33.960
<v Speaker 2>and I guess a new, a new hot Sesame Street

0:18:34.000 --> 0:18:37.160
<v Speaker 2>episode drops on HBO every every Sunday at like nine am.

0:18:37.240 --> 0:18:39.280
<v Speaker 2>I didn't know it, but I found out, and so

0:18:39.440 --> 0:18:41.600
<v Speaker 2>when we were all watching it, and it was this,

0:18:41.760 --> 0:18:44.639
<v Speaker 2>it was the cutest little episode it was about. It

0:18:44.680 --> 0:18:48.679
<v Speaker 2>was one muppet with with the curly natural hair and

0:18:48.760 --> 0:18:50.800
<v Speaker 2>two poofs on either side, like the same way I

0:18:50.800 --> 0:18:52.320
<v Speaker 2>wore my hair, and a lot of black girls wore

0:18:52.320 --> 0:18:55.080
<v Speaker 2>their hair on their little kids and sometimes still now.

0:18:55.600 --> 0:18:59.000
<v Speaker 2>And then a little muppet with like blonde hair and

0:18:59.119 --> 0:19:01.880
<v Speaker 2>they were they were damn and the blonde hair girl.

0:19:01.920 --> 0:19:04.240
<v Speaker 2>It was all about teaching about self love and how

0:19:04.280 --> 0:19:07.360
<v Speaker 2>different hair textures are beautiful. But they told the story

0:19:07.440 --> 0:19:08.160
<v Speaker 2>like for children.

0:19:08.160 --> 0:19:08.320
<v Speaker 1>You know.

0:19:08.400 --> 0:19:10.159
<v Speaker 2>The way that they did it is the girl with

0:19:10.240 --> 0:19:12.800
<v Speaker 2>the blonde hair was like whipping her hair back and forth,

0:19:12.800 --> 0:19:14.440
<v Speaker 2>and she was like whip your hair, whip your hair

0:19:14.480 --> 0:19:16.320
<v Speaker 2>and the other girl's like, well, my hair doesn't whip

0:19:16.400 --> 0:19:19.920
<v Speaker 2>like that. We can't dance together. And then the the end,

0:19:19.960 --> 0:19:22.600
<v Speaker 2>the story ending was like, we can dance together. Your hair,

0:19:22.720 --> 0:19:25.360
<v Speaker 2>I think. I think her hair bounced and her her

0:19:25.359 --> 0:19:28.159
<v Speaker 2>hair bounced and the other girl's hair whipped, and they

0:19:28.160 --> 0:19:30.800
<v Speaker 2>made like a dance about you know, hair that bounces

0:19:30.880 --> 0:19:32.800
<v Speaker 2>versus hair that whips. And I just thought it was

0:19:32.840 --> 0:19:36.040
<v Speaker 2>so cute and I was she says to me Street

0:19:36.080 --> 0:19:38.119
<v Speaker 2>like this is amazing. You can just tell they are

0:19:38.160 --> 0:19:41.479
<v Speaker 2>really like whoever's writing this show that you don't think

0:19:41.520 --> 0:19:45.159
<v Speaker 2>about children's television, but and how important it is, you know.

0:19:45.240 --> 0:19:47.639
<v Speaker 2>But I don't know. I just I just loved it.

0:19:47.680 --> 0:19:49.280
<v Speaker 2>And to see their little brown baby watching them and

0:19:49.320 --> 0:19:50.000
<v Speaker 2>me so happy.

0:19:50.400 --> 0:19:51.880
<v Speaker 3>Ah, I love that. Honestly.

0:19:52.040 --> 0:19:57.160
<v Speaker 1>That's me ses Me Place right or Sesame streetest Street.

0:19:57.160 --> 0:19:58.359
<v Speaker 3>I think it's Street right.

0:19:58.400 --> 0:19:59.600
<v Speaker 2>I mean it was Stree when I was a kid.

0:19:59.640 --> 0:20:01.600
<v Speaker 2>Maybe it changed that, I don't know.

0:20:02.119 --> 0:20:03.280
<v Speaker 3>No, I think it is Time Street.

0:20:03.280 --> 0:20:05.360
<v Speaker 1>I think Sessy Place is like the actual like there's

0:20:05.359 --> 0:20:08.720
<v Speaker 1>a physical like location where like an amusement park.

0:20:09.280 --> 0:20:10.840
<v Speaker 3>But yeah, Sesame Street is the best.

0:20:11.520 --> 0:20:17.840
<v Speaker 2>I had no idea. Mm hmmm, did get it all?

0:20:24.240 --> 0:20:26.840
<v Speaker 3>Do we have any good questions we do?

0:20:26.880 --> 0:20:29.000
<v Speaker 2>I was saving this one from last week. Let me

0:20:29.040 --> 0:20:29.960
<v Speaker 2>go find it real quick.

0:20:30.400 --> 0:20:34.520
<v Speaker 1>I'm gonna say yes iTunes for that Black History Month.

0:20:36.440 --> 0:20:37.919
<v Speaker 2>My wind.

0:20:39.880 --> 0:20:42.239
<v Speaker 1>That next week we're gonna see if we're gonna say,

0:20:42.280 --> 0:20:44.640
<v Speaker 1>we're gonna save it never mine rewind.

0:20:45.720 --> 0:20:49.640
<v Speaker 3>So do we have any questions this week? It's fine sidebar.

0:20:49.840 --> 0:20:54.600
<v Speaker 1>My friend Libriya Jones I posted like about Black Ambition

0:20:54.720 --> 0:20:55.560
<v Speaker 1>on my Facebook page.

0:20:55.600 --> 0:20:58.280
<v Speaker 3>She was like, oh my god, tell your co host Manny,

0:20:58.359 --> 0:20:59.520
<v Speaker 3>she's got a great voice.

0:21:00.400 --> 0:21:06.680
<v Speaker 2>Oh wow, thank you you think so? Oh I can't

0:21:06.720 --> 0:21:10.399
<v Speaker 2>leave to Oh really sorry, thank you?

0:21:10.880 --> 0:21:11.200
<v Speaker 3>Uh.

0:21:11.359 --> 0:21:14.240
<v Speaker 2>I will tell my siblings who constantly told me how

0:21:14.280 --> 0:21:15.879
<v Speaker 2>annoying it was when I talked all the time as

0:21:15.880 --> 0:21:19.800
<v Speaker 2>a kid. So, yeah, we have a good question and

0:21:19.840 --> 0:21:22.119
<v Speaker 2>you guys, thanks for sending. We got actually quite a

0:21:22.119 --> 0:21:23.520
<v Speaker 2>few questions a week, but I have to go back

0:21:23.560 --> 0:21:26.359
<v Speaker 2>to those from this one from last week. But just

0:21:26.440 --> 0:21:28.000
<v Speaker 2>as a reminder, you know, you can go to Brown

0:21:28.040 --> 0:21:32.120
<v Speaker 2>Ambition Podcast dot com dot com to drop us a question.

0:21:32.200 --> 0:21:35.080
<v Speaker 2>Just click on ask us anything, or you can hit

0:21:35.160 --> 0:21:38.880
<v Speaker 2>us up directly via email at Brown Ambition Podcast at

0:21:38.880 --> 0:21:39.640
<v Speaker 2>gmail dot.

0:21:39.480 --> 0:21:41.560
<v Speaker 3>Com dot com.

0:21:41.720 --> 0:21:43.840
<v Speaker 2>All right, so this question I thought it was funny.

0:21:44.080 --> 0:21:46.720
<v Speaker 2>This is from Jamishia. I think I'm pronouncing that right,

0:21:46.800 --> 0:21:51.199
<v Speaker 2>Jamisha or Jamisia. She says, is there a harm to

0:21:51.280 --> 0:21:55.200
<v Speaker 2>getting rental cars for other people? My two brothers are

0:21:55.280 --> 0:21:58.000
<v Speaker 2>constantly asking me to rent cars for them. I always

0:21:58.040 --> 0:22:00.239
<v Speaker 2>say no because I don't want my name attached to

0:22:00.320 --> 0:22:02.640
<v Speaker 2>it and if anything happens, it could it could fall

0:22:02.720 --> 0:22:04.879
<v Speaker 2>on me. Correct. I told them I don't want to

0:22:04.960 --> 0:22:07.080
<v Speaker 2>lend out my name, and they're insisting that I'm not.

0:22:07.320 --> 0:22:10.959
<v Speaker 2>And uh they're insisting that of blah blah blah, uh

0:22:11.000 --> 0:22:13.080
<v Speaker 2>and try to guilt me, saying you never want to

0:22:13.080 --> 0:22:15.240
<v Speaker 2>help me, blah blah blah. What do you guys think?

0:22:15.280 --> 0:22:17.720
<v Speaker 2>Am I being too harsh? They have their own cars,

0:22:17.760 --> 0:22:19.879
<v Speaker 2>but they're always selling them for some reason or another,

0:22:19.920 --> 0:22:22.200
<v Speaker 2>and in between they drive rentals.

0:22:22.840 --> 0:22:26.640
<v Speaker 3>So why that's such a young guy thing? Right?

0:22:27.080 --> 0:22:30.480
<v Speaker 2>I could get the car selling it, right, get the

0:22:30.520 --> 0:22:32.439
<v Speaker 2>car sell it. I don't. It's probably they're leasing it

0:22:32.480 --> 0:22:34.520
<v Speaker 2>and their leases are up and then they're like renting

0:22:34.520 --> 0:22:36.639
<v Speaker 2>in between or something like that. I don't know. That

0:22:36.760 --> 0:22:40.240
<v Speaker 2>sounds some shady is happening. I think your spidy senses

0:22:40.280 --> 0:22:43.520
<v Speaker 2>are correct, Jamisia Jamisha, I would say no in a

0:22:43.560 --> 0:22:47.520
<v Speaker 2>heartbeat too, But I actually just had this happen my baby,

0:22:47.600 --> 0:22:49.440
<v Speaker 2>my baby cousin who told me my hair ain't right.

0:22:50.520 --> 0:22:52.400
<v Speaker 2>I'm gonna put her I'm gonna put her business out there.

0:22:52.440 --> 0:22:57.119
<v Speaker 2>So she's nineteen, and she's lived, you know, having having

0:22:57.119 --> 0:22:59.199
<v Speaker 2>seen her grow ups. I used to live with my

0:22:59.480 --> 0:23:02.920
<v Speaker 2>between college and getting a grown adult job. I live

0:23:03.000 --> 0:23:06.119
<v Speaker 2>with my uncle and his basement for like two months,

0:23:06.160 --> 0:23:09.119
<v Speaker 2>and I live with my baby cousins and I, you know,

0:23:09.160 --> 0:23:10.840
<v Speaker 2>in the same house with them. They were twelve and

0:23:10.920 --> 0:23:12.760
<v Speaker 2>six and Anna was a twelve year old. So I've

0:23:12.760 --> 0:23:15.360
<v Speaker 2>seen them grow up and they, you know, their parents

0:23:16.040 --> 0:23:18.520
<v Speaker 2>were always there for them whatever they wanted. They had,

0:23:18.760 --> 0:23:21.240
<v Speaker 2>you know, lived like a but a very loving, like

0:23:21.320 --> 0:23:24.120
<v Speaker 2>supported kind of household. Never had to you know, never

0:23:24.160 --> 0:23:27.920
<v Speaker 2>wanted for anything like solid middle class. And now Ann

0:23:27.960 --> 0:23:31.280
<v Speaker 2>a Banana as I call her, is in college and

0:23:31.320 --> 0:23:33.560
<v Speaker 2>she wants to get a wants to get her first apartment.

0:23:33.640 --> 0:23:35.639
<v Speaker 2>You know, she's working the job, she's got the school

0:23:35.640 --> 0:23:39.200
<v Speaker 2>going on, but they require a co signer, and her dad,

0:23:39.280 --> 0:23:41.439
<v Speaker 2>for whatever reason, doesn't want to co sign. So I

0:23:41.440 --> 0:23:44.160
<v Speaker 2>get this like frantic test from text from her, maybe

0:23:44.240 --> 0:23:46.520
<v Speaker 2>I need a co signer, please co sign my apartment.

0:23:46.720 --> 0:23:48.879
<v Speaker 2>And I'm like and this is the first time, but

0:23:48.920 --> 0:23:51.480
<v Speaker 2>I'm like, I love this is my baby, like I

0:23:51.520 --> 0:23:53.720
<v Speaker 2>love Anna to like I would do anything for her.

0:23:54.000 --> 0:23:56.280
<v Speaker 2>But I had to check myself because I was reaching

0:23:56.280 --> 0:23:59.800
<v Speaker 2>for the pen and I'm like, like, what would you

0:23:59.840 --> 0:24:03.720
<v Speaker 2>tell a brown ambition listener, Mandy, don't do it? Like,

0:24:03.920 --> 0:24:06.600
<v Speaker 2>don't do it. And I feel like this is what

0:24:06.640 --> 0:24:08.960
<v Speaker 2>happens when like your siblings or someone comes to you

0:24:09.680 --> 0:24:11.439
<v Speaker 2>and they give you those big puppy dog eyes and

0:24:11.480 --> 0:24:12.680
<v Speaker 2>ask for something like this.

0:24:13.480 --> 0:24:15.679
<v Speaker 3>And honestly, the truth is you might not even be

0:24:15.720 --> 0:24:16.080
<v Speaker 3>able to.

0:24:16.119 --> 0:24:20.640
<v Speaker 1>So I'm on Enterprise's site and Enterprise is a major

0:24:20.680 --> 0:24:24.400
<v Speaker 1>car rental company and they have on their faques can

0:24:24.440 --> 0:24:27.800
<v Speaker 1>I pay for a rental of a car for another individual?

0:24:28.520 --> 0:24:30.840
<v Speaker 1>And it says that the renter of the vehicle must

0:24:30.880 --> 0:24:35.200
<v Speaker 1>be present to sign the rental agreement and provide their

0:24:35.200 --> 0:24:38.720
<v Speaker 1>credit card at the time of pickup. The renter cannot

0:24:38.720 --> 0:24:42.160
<v Speaker 1>provide a credit card or debit card belonging to someone else.

0:24:42.760 --> 0:24:44.920
<v Speaker 1>And if you wish to pay for a rental car

0:24:45.160 --> 0:24:47.840
<v Speaker 1>but have someone else drive it, you can rent the

0:24:47.920 --> 0:24:50.919
<v Speaker 1>vehicle in your name and add them as an additional driver.

0:24:51.080 --> 0:24:53.760
<v Speaker 1>That so that is possible, yep. And in order to

0:24:53.760 --> 0:24:56.160
<v Speaker 1>add an additional driver, the driver would have to meet

0:24:56.520 --> 0:24:59.040
<v Speaker 1>all of their additional driver requirements and you just have

0:24:59.119 --> 0:25:02.159
<v Speaker 1>to figure out what that is so you can.

0:25:02.640 --> 0:25:04.160
<v Speaker 3>But you have to ask.

0:25:04.280 --> 0:25:07.600
<v Speaker 1>So my worry is that what requirements are they not?

0:25:07.680 --> 0:25:10.919
<v Speaker 1>Are they just looking for your financial support or are

0:25:10.920 --> 0:25:14.880
<v Speaker 1>there's some requirements that they're not able to.

0:25:13.760 --> 0:25:14.760
<v Speaker 3>Reach, you know?

0:25:14.880 --> 0:25:17.680
<v Speaker 1>And so I would just be nervous because if something happens,

0:25:18.119 --> 0:25:21.320
<v Speaker 1>you know, that's your your name and your you know,

0:25:21.400 --> 0:25:24.840
<v Speaker 1>potentially your money. And so the answer would be, like

0:25:24.880 --> 0:25:27.840
<v Speaker 1>if my sister asked me to rent a car, it's

0:25:27.880 --> 0:25:29.800
<v Speaker 1>hard when it's like your you know, your baby sister

0:25:29.800 --> 0:25:30.120
<v Speaker 1>and brother.

0:25:30.200 --> 0:25:33.119
<v Speaker 2>I mean, I mean a judgment call based on what

0:25:33.240 --> 0:25:33.920
<v Speaker 2>you know about them.

0:25:34.240 --> 0:25:36.280
<v Speaker 1>Yes, I was gonna say that, Like if baby Lisa

0:25:36.320 --> 0:25:40.359
<v Speaker 1>asked me, the answer is no, I love baby Lisa.

0:25:41.040 --> 0:25:41.560
<v Speaker 3>Sorryly.

0:25:41.880 --> 0:25:45.280
<v Speaker 1>But now if my sister Tracy asked me, who's two

0:25:45.320 --> 0:25:48.320
<v Speaker 1>years younger, she's super responsible, and let's just say she's like,

0:25:48.359 --> 0:25:49.680
<v Speaker 1>I just need it for a week because my car's

0:25:49.720 --> 0:25:50.080
<v Speaker 1>in the shop.

0:25:50.080 --> 0:25:51.240
<v Speaker 3>Blah blah, blah.

0:25:51.560 --> 0:25:54.639
<v Speaker 1>I might say yes because Tracy is the most responsible

0:25:54.640 --> 0:25:57.280
<v Speaker 1>well out of all of my sisters, you know, although

0:25:57.400 --> 0:26:00.639
<v Speaker 1>it's not the best idea just based upon our history,

0:26:00.760 --> 0:26:01.520
<v Speaker 1>I might say yes.

0:26:01.600 --> 0:26:03.679
<v Speaker 2>So, oh, I know what it might be. What if

0:26:03.680 --> 0:26:04.680
<v Speaker 2>they're under twenty five?

0:26:05.359 --> 0:26:07.879
<v Speaker 1>Oh well, then if they're under twenty five, then you

0:26:07.920 --> 0:26:09.480
<v Speaker 1>would want to And that's what I was thinking, That's

0:26:09.480 --> 0:26:13.000
<v Speaker 1>what it sounded like. Still, you'd want to add them

0:26:13.040 --> 0:26:15.200
<v Speaker 1>on as an additional driver, and you'd want to make

0:26:15.240 --> 0:26:19.040
<v Speaker 1>sure that they could legally drive that car because they

0:26:19.040 --> 0:26:22.000
<v Speaker 1>would have to still meet whatever requirements are required as

0:26:22.040 --> 0:26:22.880
<v Speaker 1>an additional driver.

0:26:23.040 --> 0:26:24.240
<v Speaker 3>So you'd have to fire.

0:26:23.960 --> 0:26:26.440
<v Speaker 2>Still have to show the rental agency their driver's license

0:26:27.400 --> 0:26:29.680
<v Speaker 2>at them, right, Yeah.

0:26:29.520 --> 0:26:31.840
<v Speaker 1>For sure, because I hope what they're not trying to

0:26:31.840 --> 0:26:33.600
<v Speaker 1>do is get you to rent it as as if

0:26:33.600 --> 0:26:35.919
<v Speaker 1>you're driving it and they're they're going to drive Oh no, no.

0:26:35.760 --> 0:26:37.520
<v Speaker 2>No, yeah, because you can get even more trouble for that.

0:26:37.920 --> 0:26:40.040
<v Speaker 3>What super trouble, super trouble.

0:26:41.840 --> 0:26:44.159
<v Speaker 2>Yeah, Jamisha, I'm going to support I'm gonna back you

0:26:44.240 --> 0:26:47.280
<v Speaker 2>up on this one. Hold your ground. Don't let your

0:26:47.280 --> 0:26:51.120
<v Speaker 2>shady brothers use your name. First of all, this requires

0:26:51.160 --> 0:26:53.080
<v Speaker 2>you going down to the rental agency, take a time

0:26:53.119 --> 0:26:55.119
<v Speaker 2>out of your day. I mean, this is a lot

0:26:55.119 --> 0:26:56.600
<v Speaker 2>of trouble for you. They need to get their act

0:26:56.640 --> 0:26:59.680
<v Speaker 2>together exactly. I'm kind of talking to myself and trying

0:26:59.680 --> 0:27:01.200
<v Speaker 2>to like build my because I still kind of feel

0:27:01.200 --> 0:27:04.159
<v Speaker 2>bad for saying no but tonight to baby Anna. But

0:27:04.240 --> 0:27:06.000
<v Speaker 2>I'm in the middle of the mortgage process. I can't

0:27:06.040 --> 0:27:09.800
<v Speaker 2>be co signing, you know, an apartment. And also, I mean,

0:27:09.840 --> 0:27:11.760
<v Speaker 2>if anyone have you ever been asked by like a

0:27:12.320 --> 0:27:15.119
<v Speaker 2>sibling or like a cousin or something friend to co sign?

0:27:16.359 --> 0:27:19.359
<v Speaker 1>Thank thank goodness, no now as yet, because I literally

0:27:19.359 --> 0:27:21.160
<v Speaker 1>remember that when I was in high school, my dad

0:27:21.200 --> 0:27:24.399
<v Speaker 1>sitting my sisters and I and all down forbidding us

0:27:24.400 --> 0:27:26.160
<v Speaker 1>to co sign for each other or to ask each

0:27:26.200 --> 0:27:28.000
<v Speaker 1>other to co sign and telling us why, like we

0:27:28.080 --> 0:27:31.439
<v Speaker 1>had real money lessons and so like that's never and

0:27:31.480 --> 0:27:34.879
<v Speaker 1>I don't have any cousins my age, like our age range,

0:27:34.960 --> 0:27:37.240
<v Speaker 1>so it was mostly like us growing up together, and

0:27:37.280 --> 0:27:40.480
<v Speaker 1>so we've never asked each other to uh to co

0:27:40.600 --> 0:27:43.960
<v Speaker 1>sign because we've you know, we kind of grew up

0:27:43.960 --> 0:27:46.240
<v Speaker 1>with that lesson of like my dad's like don't ask

0:27:46.320 --> 0:27:47.800
<v Speaker 1>me and don't ask your sisters.

0:27:47.880 --> 0:27:48.640
<v Speaker 3>The answer is now.

0:27:48.800 --> 0:27:50.879
<v Speaker 1>If you want to give your sister money or if

0:27:50.880 --> 0:27:52.960
<v Speaker 1>you only want to lend her money, that's another thing.

0:27:53.080 --> 0:27:54.960
<v Speaker 3>But to co sign your name, don't never do that.

0:27:55.760 --> 0:27:58.720
<v Speaker 2>And I wish everyone had your dad to like give them,

0:27:58.880 --> 0:28:02.320
<v Speaker 2>give them the talk. You know, I didn't. Yeah, I

0:28:02.320 --> 0:28:04.600
<v Speaker 2>said I should actually just talk to Anna and explain

0:28:04.640 --> 0:28:07.399
<v Speaker 2>to her more reasons, like what cosigning means, and like

0:28:07.480 --> 0:28:11.360
<v Speaker 2>why you know, why I was hesitant, and and why

0:28:11.400 --> 0:28:13.600
<v Speaker 2>she should think she should find other ways to get

0:28:13.600 --> 0:28:15.240
<v Speaker 2>that apartment. I think you can put that a bigger

0:28:15.320 --> 0:28:18.879
<v Speaker 2>deposit or or something like that, or just plead your

0:28:18.920 --> 0:28:22.119
<v Speaker 2>case because I you know, I don't know, But that

0:28:22.240 --> 0:28:24.320
<v Speaker 2>just kind of goes back to I feel like growing

0:28:24.400 --> 0:28:26.200
<v Speaker 2>up sort of always kind of getting what you want

0:28:26.240 --> 0:28:27.720
<v Speaker 2>the first time. You know, that first time when you're

0:28:27.760 --> 0:28:29.680
<v Speaker 2>like a teenager and you don't get something that you want,

0:28:29.720 --> 0:28:32.280
<v Speaker 2>like a teenager trying to be an adult. Yes, you're like,

0:28:32.320 --> 0:28:34.119
<v Speaker 2>what do you mean? I can't do this thing? But

0:28:34.160 --> 0:28:35.800
<v Speaker 2>I had an idea. I was going to, like, you know,

0:28:35.880 --> 0:28:39.080
<v Speaker 2>have my own apartment. I kind of it's hard for me,

0:28:39.120 --> 0:28:42.440
<v Speaker 2>but I want her to feel that frustration and then

0:28:42.440 --> 0:28:43.640
<v Speaker 2>find a solution on her own.

0:28:44.280 --> 0:28:46.800
<v Speaker 1>Yeah, yeah, and it's good. But like you said, it's

0:28:46.800 --> 0:28:47.840
<v Speaker 1>a great teach of a moment.

0:28:48.960 --> 0:28:52.640
<v Speaker 2>Definitely. Well. Thanks for your question, Jamisha, and good luck

0:28:52.720 --> 0:28:53.400
<v Speaker 2>with them brothers.

0:28:53.760 --> 0:28:55.880
<v Speaker 3>Yeah, Wucha, do you want to take another question?

0:28:56.600 --> 0:28:58.920
<v Speaker 2>We could give me a second. I'll find another one,

0:28:59.760 --> 0:29:00.360
<v Speaker 2>all right.

0:29:00.600 --> 0:29:03.120
<v Speaker 3>In the meantime, I'll keep you guys company. So hey,

0:29:03.560 --> 0:29:04.320
<v Speaker 3>come here often.

0:29:07.800 --> 0:29:10.480
<v Speaker 1>Oh, I'm so happy it's not been a terrible winter

0:29:10.800 --> 0:29:12.840
<v Speaker 1>in the Northeast. I mean, we've had a little snow,

0:29:12.880 --> 0:29:15.440
<v Speaker 1>a little cold, but it has not been We have

0:29:15.520 --> 0:29:19.600
<v Speaker 1>definitely have way worse winters, and so I'm glad that

0:29:19.760 --> 0:29:22.800
<v Speaker 1>although the flu season has been at its worst.

0:29:24.720 --> 0:29:30.600
<v Speaker 2>I'm just talking talking about the weather. Everyone's like, stay

0:29:30.640 --> 0:29:33.000
<v Speaker 2>with me, stay with me. I have another question.

0:29:33.520 --> 0:29:36.280
<v Speaker 3>Yeah. I was like, I'm gonna start singing in a minute.

0:29:36.440 --> 0:29:38.200
<v Speaker 2>I had to save you. So Tho's question is from

0:29:38.240 --> 0:29:40.960
<v Speaker 2>listener Wanna. She says, I was wondering if you guys

0:29:40.960 --> 0:29:43.520
<v Speaker 2>can talk about paying a car or mortgage off sooner?

0:29:44.040 --> 0:29:46.680
<v Speaker 2>Is it possible to double up on payments each year?

0:29:47.080 --> 0:29:48.640
<v Speaker 2>Thank you for your time, Wanna.

0:29:49.520 --> 0:29:51.440
<v Speaker 3>Wanna you wanna pay it all?

0:29:51.480 --> 0:29:53.640
<v Speaker 1>I know you probably hear that a lot. Sorry, what

0:29:54.480 --> 0:29:56.360
<v Speaker 1>no I was saying? Wana I was using her name like,

0:29:56.360 --> 0:29:57.840
<v Speaker 1>ah ya want to pay it off early?

0:29:57.920 --> 0:30:00.520
<v Speaker 3>Huh. But I'm sure people use her name Wana like

0:30:00.600 --> 0:30:01.360
<v Speaker 3>that all the time.

0:30:01.480 --> 0:30:02.080
<v Speaker 2>Super clever.

0:30:02.400 --> 0:30:05.360
<v Speaker 3>Yes, exactly, I'm sure she's like super original.

0:30:06.960 --> 0:30:09.200
<v Speaker 2>Good quest. I was actually just asking myself the sorry

0:30:09.240 --> 0:30:11.520
<v Speaker 2>to cut you off, Yeah, go ahead, this is good

0:30:11.520 --> 0:30:13.400
<v Speaker 2>for you, my babe, because I was because you know,

0:30:13.400 --> 0:30:15.760
<v Speaker 2>we're getting a mortgage for this house, and I was

0:30:15.760 --> 0:30:18.800
<v Speaker 2>looking at the amortization schedule. I had to practice saying

0:30:18.800 --> 0:30:23.400
<v Speaker 2>that amortization schedule and this is basically if you've heard

0:30:23.440 --> 0:30:26.400
<v Speaker 2>of this phrase before the mortgage, this is the schedule

0:30:26.440 --> 0:30:29.440
<v Speaker 2>of how much of your payments will go toward your principle,

0:30:29.680 --> 0:30:32.680
<v Speaker 2>which is your actual loan balance versus the interest that

0:30:32.720 --> 0:30:35.400
<v Speaker 2>you're paying on your loan balance over time. And I

0:30:35.440 --> 0:30:37.880
<v Speaker 2>looked up I just you know, did that there's like amateurs,

0:30:37.960 --> 0:30:42.960
<v Speaker 2>Oh god, I can't say it. Amortization calculators on the

0:30:43.000 --> 0:30:44.520
<v Speaker 2>internet that you can use and you can put in

0:30:44.560 --> 0:30:46.840
<v Speaker 2>your loan amount and it can give you an example

0:30:46.880 --> 0:30:50.000
<v Speaker 2>of what your schedule might be. And I was astounded

0:30:50.240 --> 0:30:52.800
<v Speaker 2>because banks set it up. Maybe this isn't news to everybody,

0:30:52.880 --> 0:30:54.360
<v Speaker 2>but it was like news to me to see this

0:30:55.520 --> 0:30:57.960
<v Speaker 2>that how much of your first mortgage payments, like for

0:30:58.000 --> 0:31:01.320
<v Speaker 2>the first five years go toward intra Oh my god,

0:31:01.520 --> 0:31:04.760
<v Speaker 2>I'm like, I'm going to pay how much money and interest?

0:31:04.840 --> 0:31:07.680
<v Speaker 2>And how little? I think it was. I don't even remember.

0:31:07.760 --> 0:31:10.120
<v Speaker 2>It was like it was over one hundred thousand in

0:31:10.280 --> 0:31:12.760
<v Speaker 2>interest and less than one hundred, like less than fifty

0:31:12.760 --> 0:31:15.600
<v Speaker 2>thousand in principal payments in the first five years. I

0:31:15.760 --> 0:31:19.360
<v Speaker 2>was like, oh nah, So naturally, I'm like, how do

0:31:19.440 --> 0:31:24.520
<v Speaker 2>I avoid this? And you can make additional principal payments

0:31:24.520 --> 0:31:27.960
<v Speaker 2>on your mortgage. There's typically I mean, I haven't gotten

0:31:27.960 --> 0:31:30.120
<v Speaker 2>my first mortgage bill yet, but I've read that there's

0:31:30.120 --> 0:31:33.000
<v Speaker 2>typically a box you can check when you're paying your

0:31:33.000 --> 0:31:35.560
<v Speaker 2>bill online or even I don't even know if people

0:31:35.560 --> 0:31:37.480
<v Speaker 2>mail checks anymore, but online you should be able to

0:31:37.520 --> 0:31:40.840
<v Speaker 2>say I want to make an additional principal payment and

0:31:40.880 --> 0:31:43.080
<v Speaker 2>make sure you check that box and submit a payment

0:31:43.120 --> 0:31:46.280
<v Speaker 2>toward your principle whenever you want. I think there's no

0:31:47.360 --> 0:31:50.560
<v Speaker 2>unless your mortgage loan has some sort of pre payment penalty,

0:31:50.600 --> 0:31:53.360
<v Speaker 2>which is a thing lenders can do penalize you for

0:31:53.400 --> 0:31:55.920
<v Speaker 2>paying your loan off early, which is shisty to the

0:31:56.000 --> 0:31:59.880
<v Speaker 2>ninth degree. Nth degree. Yeah, so just keep that in.

0:32:00.200 --> 0:32:03.640
<v Speaker 2>But yeah, you can totally pay your make additional payments

0:32:03.680 --> 0:32:05.239
<v Speaker 2>towards a loan, and you don't have to do it

0:32:05.280 --> 0:32:07.200
<v Speaker 2>just once a year, I think she said, doubling up

0:32:07.240 --> 0:32:09.440
<v Speaker 2>on payments once a year. No, you can. You can

0:32:09.480 --> 0:32:11.400
<v Speaker 2>double up once a month. You can take an extra

0:32:11.480 --> 0:32:14.640
<v Speaker 2>fifty dollars that you get from you know, doing something

0:32:14.640 --> 0:32:16.520
<v Speaker 2>like getting a rebate or something and put it towards

0:32:16.520 --> 0:32:20.920
<v Speaker 2>your mortgage. And I'm thinking, I'm like already strategizing, how

0:32:21.000 --> 0:32:25.200
<v Speaker 2>can I beat this memortization schedule? Because nah, like how.

0:32:25.920 --> 0:32:29.320
<v Speaker 3>I can't go out like that? No, it's true. Yeah,

0:32:29.560 --> 0:32:31.560
<v Speaker 3>and be just be more mindful.

0:32:31.560 --> 0:32:33.840
<v Speaker 1>So Mandy said everything that I would say, I want

0:32:33.840 --> 0:32:35.840
<v Speaker 1>you to just be more mindful, because she said car

0:32:35.880 --> 0:32:39.640
<v Speaker 1>and home that you're more likely to find if you're

0:32:39.640 --> 0:32:43.480
<v Speaker 1>financing a car, you're more likely to find that they

0:32:43.560 --> 0:32:46.440
<v Speaker 1>have that pre payment, that you're not able to make

0:32:46.480 --> 0:32:48.040
<v Speaker 1>a pre payment, because I've seen a lot of people

0:32:48.160 --> 0:32:52.920
<v Speaker 1>not really read their finance contract when they when they

0:32:52.960 --> 0:32:55.800
<v Speaker 1>finance a car, should just be really careful about that.

0:32:55.960 --> 0:32:59.640
<v Speaker 1>Like homes these days, they typically don't have that. But

0:33:00.040 --> 0:33:02.800
<v Speaker 1>obviously you want to ask that question like, well, am

0:33:02.800 --> 0:33:06.080
<v Speaker 1>I able to prepay this mortgage and the car? The

0:33:06.120 --> 0:33:08.440
<v Speaker 1>best thing to do, truthfully is to bring your own

0:33:08.440 --> 0:33:11.800
<v Speaker 1>financing from like your own bank or even better credit union,

0:33:11.880 --> 0:33:13.440
<v Speaker 1>so you know everything. And you're like, no, no, I

0:33:13.480 --> 0:33:15.560
<v Speaker 1>actually came with my own I don't you don't have

0:33:15.560 --> 0:33:20.000
<v Speaker 1>to worry about that. Yeah, no, I think did you

0:33:20.080 --> 0:33:21.760
<v Speaker 1>see that? More and more, I don't know if you've

0:33:21.760 --> 0:33:24.640
<v Speaker 1>seen this. This is in alignment with home buying, Like

0:33:24.680 --> 0:33:26.560
<v Speaker 1>I've been seeing more and more videos, like the guy

0:33:26.600 --> 0:33:29.040
<v Speaker 1>from Shark Tank said this. Another guy said this, that

0:33:29.080 --> 0:33:32.280
<v Speaker 1>they're really telling people not to buy homes.

0:33:33.320 --> 0:33:35.960
<v Speaker 2>What do you mean like on the so.

0:33:36.000 --> 0:33:37.880
<v Speaker 1>Just saying like I was watching the guy I don't

0:33:37.920 --> 0:33:40.880
<v Speaker 1>remember his name, but the bald guy from shark Tank

0:33:41.400 --> 0:33:44.479
<v Speaker 1>was like, unless you're married with kids, he does not

0:33:44.480 --> 0:33:45.520
<v Speaker 1>suggest you buy a home.

0:33:46.320 --> 0:33:48.239
<v Speaker 3>And his name is Kevin. I think his name is.

0:33:48.360 --> 0:33:49.920
<v Speaker 2>Oh the guy from Fubu.

0:33:50.520 --> 0:33:53.640
<v Speaker 3>No no, no, no, no.

0:33:51.960 --> 0:33:55.560
<v Speaker 2>Not mister wonderful, mister wonderful. Yeah yeah, by the old guy.

0:33:55.880 --> 0:33:58.240
<v Speaker 3>Yeah, the old guy. Yeah, it's before him.

0:33:58.320 --> 0:34:00.640
<v Speaker 1>He's like some probably multi billionaire and there made all

0:34:00.680 --> 0:34:02.640
<v Speaker 1>these great moves and we're like he's relegated to the

0:34:02.720 --> 0:34:07.160
<v Speaker 1>old guy on the shark pit, so he was saying that.

0:34:07.280 --> 0:34:09.319
<v Speaker 1>But that's not the first time, Like I've been seeing

0:34:09.400 --> 0:34:11.200
<v Speaker 1>it more and more pop up as I read, like

0:34:11.440 --> 0:34:13.440
<v Speaker 1>I like to read like a lot of like financial

0:34:13.520 --> 0:34:17.359
<v Speaker 1>like articles and magazines and stuff. And really they've been

0:34:17.400 --> 0:34:20.120
<v Speaker 1>talking about and even now with the new tax plan,

0:34:20.680 --> 0:34:26.640
<v Speaker 1>how like that your your your standard deductions are going

0:34:26.719 --> 0:34:30.120
<v Speaker 1>to actually outpace what you'd get if you would itemize

0:34:30.160 --> 0:34:33.279
<v Speaker 1>your income tax. I'm not your income tax, your your

0:34:33.400 --> 0:34:35.760
<v Speaker 1>your mortgage tax, and so.

0:34:37.280 --> 0:34:39.600
<v Speaker 3>Yes, thank you. I'm like, come on on that.

0:34:39.680 --> 0:34:42.239
<v Speaker 2>I'm here, I'm with the layup. I got to you

0:34:42.280 --> 0:34:44.080
<v Speaker 2>knows the finish line.

0:34:44.520 --> 0:34:45.720
<v Speaker 3>And so I'm just like wow.

0:34:45.880 --> 0:34:48.960
<v Speaker 1>So it's it's it's a weird not by house movement

0:34:49.000 --> 0:34:54.480
<v Speaker 1>that seems to be brewing, and I don't necessarily to me,

0:34:54.560 --> 0:34:58.399
<v Speaker 1>there's benefits obviously to both, but I'm just wondering why

0:34:58.480 --> 0:35:00.399
<v Speaker 1>that's happening. Why people are telling you not to buy

0:35:00.400 --> 0:35:04.880
<v Speaker 1>a home and that renting is better unless you have like,

0:35:04.960 --> 0:35:06.680
<v Speaker 1>you know, like a family.

0:35:07.280 --> 0:35:09.759
<v Speaker 2>Yeah, I've actually been, you know, because I started So

0:35:09.800 --> 0:35:13.120
<v Speaker 2>it's funny, not funny, but I started covering personal finance

0:35:13.120 --> 0:35:17.279
<v Speaker 2>as a journalist in twenty ten, right at the you know,

0:35:17.360 --> 0:35:20.120
<v Speaker 2>the the economy was kind of like falling apart, and

0:35:20.160 --> 0:35:23.600
<v Speaker 2>the housing crisis obviously had already happened and was dragging

0:35:23.600 --> 0:35:26.279
<v Speaker 2>people down, you know, for years to come after that.

0:35:27.600 --> 0:35:30.279
<v Speaker 2>And at the time, there was this huge movement, you know,

0:35:30.480 --> 0:35:32.960
<v Speaker 2>the idea of the American dream being get a house,

0:35:33.080 --> 0:35:35.560
<v Speaker 2>you know, with the backyard and the picket fence and

0:35:35.600 --> 0:35:37.600
<v Speaker 2>all that kind of stuff. There were you know, a

0:35:37.640 --> 0:35:40.320
<v Speaker 2>ton of articles being written back then about how that

0:35:40.400 --> 0:35:43.200
<v Speaker 2>dream has been destroyed by this housing crisis and ever

0:35:43.239 --> 0:35:45.880
<v Speaker 2>since then that, I mean, the most common one of

0:35:45.920 --> 0:35:48.560
<v Speaker 2>the most common headlines I've written and seen in personal

0:35:48.560 --> 0:35:51.080
<v Speaker 2>finance news is buy versus rent? When does it make sense?

0:35:51.200 --> 0:35:51.480
<v Speaker 3>Was it not?

0:35:51.560 --> 0:35:54.600
<v Speaker 2>When does it not make sense? And I think and

0:35:54.640 --> 0:35:57.600
<v Speaker 2>also among millennials, the idea of buying a house. This

0:35:57.640 --> 0:35:59.719
<v Speaker 2>is why I struggle with it for so long. And

0:36:00.120 --> 0:36:02.840
<v Speaker 2>you know, I really resisted my husband, who wanted to

0:36:02.840 --> 0:36:06.400
<v Speaker 2>buy a house. I kept saying, why why throw all

0:36:06.440 --> 0:36:08.960
<v Speaker 2>this money into a you know, a house that could

0:36:09.160 --> 0:36:13.080
<v Speaker 2>any day now be worth nothing? Why do that to ourselves?

0:36:13.080 --> 0:36:16.280
<v Speaker 2>And also renting is you know, so much more freeing,

0:36:16.480 --> 0:36:20.040
<v Speaker 2>Like we don't have to worry about maintenance or you know,

0:36:20.880 --> 0:36:24.080
<v Speaker 2>just that's actually just it maintenance, you know, pipes that

0:36:24.080 --> 0:36:27.000
<v Speaker 2>are bursting, and all the responsibilities that go with home ownership.

0:36:27.040 --> 0:36:30.000
<v Speaker 2>Like there's I've definitely heard this argument, and I think

0:36:30.080 --> 0:36:33.280
<v Speaker 2>what's I think what's making it like maybe a little

0:36:33.280 --> 0:36:36.520
<v Speaker 2>bit more common now is the fact that we are

0:36:36.520 --> 0:36:38.920
<v Speaker 2>in a very like we're the market is going up,

0:36:38.960 --> 0:36:41.040
<v Speaker 2>I mean not just going up, but the housing market

0:36:41.080 --> 0:36:44.520
<v Speaker 2>is insane that the supply of housing, the supply of

0:36:44.600 --> 0:36:49.080
<v Speaker 2>houses is so not keeping pace with demand that that's

0:36:49.120 --> 0:36:51.959
<v Speaker 2>why housing values are just going insanely high right now,

0:36:52.000 --> 0:36:55.000
<v Speaker 2>Like in Atlanta, for example. Atlanta is one of these cities.

0:36:55.280 --> 0:36:57.360
<v Speaker 2>You know, we we just did a study of competitive

0:36:57.360 --> 0:37:00.279
<v Speaker 2>housing markets and Atlanta is one of those cities. I've

0:37:00.280 --> 0:37:03.160
<v Speaker 2>been looking at. My brother just bought there where I'm wondering,

0:37:03.200 --> 0:37:05.719
<v Speaker 2>are is there like a mini housing bubble happening in

0:37:05.760 --> 0:37:09.160
<v Speaker 2>Atlanta and these other cities where people are just like

0:37:09.280 --> 0:37:12.640
<v Speaker 2>rushing to buy houses and it's driving up prices because

0:37:12.640 --> 0:37:16.080
<v Speaker 2>there's not enough inventory. And I actually asked my buddy

0:37:16.120 --> 0:37:20.320
<v Speaker 2>Tenda are chief Economists about this, and he explained the

0:37:20.360 --> 0:37:23.000
<v Speaker 2>whole the reason sort of why we have this lack

0:37:23.040 --> 0:37:27.360
<v Speaker 2>of supply and why that's driving housing prices so high,

0:37:27.400 --> 0:37:29.319
<v Speaker 2>and he explained, and it makes a lot of sense. So,

0:37:29.560 --> 0:37:32.600
<v Speaker 2>you know, leading up to the recession, you saw a

0:37:32.680 --> 0:37:36.880
<v Speaker 2>ton of people building developments and speculating and buying up

0:37:36.920 --> 0:37:40.279
<v Speaker 2>homes and buying up lots of land to build houses on.

0:37:40.360 --> 0:37:43.320
<v Speaker 2>You know, all these developers, all these construction companies building

0:37:43.360 --> 0:37:45.440
<v Speaker 2>these developments. And then the housing crash happened and there

0:37:45.480 --> 0:37:49.040
<v Speaker 2>was all these empty houses, never sold. People lost jillions

0:37:49.040 --> 0:37:51.800
<v Speaker 2>of billions of dollars, and so there was this fear

0:37:52.000 --> 0:37:55.120
<v Speaker 2>around the same thing happening again. So people weren't building

0:37:55.120 --> 0:37:59.640
<v Speaker 2>as many homes, and so there just isn't naturally enough

0:37:59.680 --> 0:38:03.120
<v Speaker 2>home now to meet demand in every city. Some cities

0:38:03.160 --> 0:38:05.040
<v Speaker 2>it's not that bad. Some cities it's way worse. New

0:38:05.120 --> 0:38:06.840
<v Speaker 2>York City is ridiculous right now.

0:38:06.960 --> 0:38:07.560
<v Speaker 3>Ridiculous.

0:38:07.680 --> 0:38:11.640
<v Speaker 2>Yeah, So there's this artificial price increase that's happening just

0:38:11.680 --> 0:38:15.799
<v Speaker 2>because of natural supply versus demand. Okay, And actually, my

0:38:15.880 --> 0:38:18.840
<v Speaker 2>financial planner, when we talked to her last week, I

0:38:18.880 --> 0:38:21.279
<v Speaker 2>needed someone to tell me that I was not making

0:38:21.320 --> 0:38:23.799
<v Speaker 2>an insane choice because I was worried about it too.

0:38:23.840 --> 0:38:26.040
<v Speaker 2>You know, it is a hot market and I was

0:38:26.080 --> 0:38:27.840
<v Speaker 2>looking at I mean, if you look at if you

0:38:27.840 --> 0:38:30.000
<v Speaker 2>go to Zillo or Trulyia or realtor dot com, and

0:38:30.040 --> 0:38:33.239
<v Speaker 2>you can look at housing values in your neighborhood over

0:38:33.280 --> 0:38:37.160
<v Speaker 2>the last you know, ten years, and across the board.

0:38:37.200 --> 0:38:41.399
<v Speaker 2>What I've seen is this very big dip around two

0:38:41.400 --> 0:38:44.759
<v Speaker 2>thousand and eight twenty twelve, and then this huge incline

0:38:44.840 --> 0:38:46.840
<v Speaker 2>since then. And I was like, damn, I wish I

0:38:46.840 --> 0:38:48.439
<v Speaker 2>could have bought during the dip.

0:38:48.600 --> 0:38:50.360
<v Speaker 3>Yeah, And I thought like that.

0:38:50.480 --> 0:38:55.120
<v Speaker 1>Yet when I was stalking like Zillo and Trulyia and

0:38:55.200 --> 0:38:57.840
<v Speaker 1>Realtor dot Com, I remember looking like, ah, man, I

0:38:57.840 --> 0:39:00.520
<v Speaker 1>could have got the same house for like twenty thousand

0:39:00.560 --> 0:39:02.280
<v Speaker 1>dollars less as I was looking.

0:39:02.880 --> 0:39:04.560
<v Speaker 2>But at the end of the so one of the

0:39:04.600 --> 0:39:06.759
<v Speaker 2>things that I did with my planner and I'm glad

0:39:06.760 --> 0:39:08.719
<v Speaker 2>she asked that. She what she said is, you know,

0:39:08.719 --> 0:39:10.440
<v Speaker 2>I think you guys are thinking about this. You know,

0:39:10.480 --> 0:39:12.440
<v Speaker 2>you have a you have a healthy size down payment.

0:39:12.800 --> 0:39:15.000
<v Speaker 2>I think you're thinking things through. But I am concerned

0:39:15.040 --> 0:39:17.160
<v Speaker 2>because you're buying at the height of the market. And

0:39:17.680 --> 0:39:20.120
<v Speaker 2>together we looked at housing values where we were, the

0:39:20.160 --> 0:39:23.400
<v Speaker 2>county where we're buying, specifically the county where we're buying,

0:39:23.680 --> 0:39:28.680
<v Speaker 2>and the house that we're getting is one hundred thousand dollars.

0:39:28.719 --> 0:39:32.239
<v Speaker 2>I don't know what percentage it is lower less. The

0:39:32.280 --> 0:39:36.239
<v Speaker 2>sales price is about one hundred thousand dollars less than

0:39:36.280 --> 0:39:40.720
<v Speaker 2>the average sales price of a comparable home in this county, Okay.

0:39:41.239 --> 0:39:43.160
<v Speaker 2>And like I said, I got very fortunate. I'm just

0:39:43.280 --> 0:39:46.520
<v Speaker 2>I'm just explaining my thought process because I think, you know,

0:39:46.560 --> 0:39:48.600
<v Speaker 2>I think everyone situation is different. But here's why I

0:39:48.600 --> 0:39:51.120
<v Speaker 2>thought it was a good deal for us. One, the

0:39:51.520 --> 0:39:55.360
<v Speaker 2>it's right place for us for our commute and our lifestyles. Two,

0:39:55.440 --> 0:39:57.880
<v Speaker 2>we're getting it because the couple who's selling the house

0:39:57.960 --> 0:40:01.560
<v Speaker 2>are really eager to retire there eager to sell. We

0:40:01.560 --> 0:40:03.759
<v Speaker 2>were fortunate to even find this house on a whim

0:40:03.800 --> 0:40:07.640
<v Speaker 2>by checking the Zillo app and they slash the price

0:40:07.800 --> 0:40:09.640
<v Speaker 2>because of how eager they are. So we're getting it

0:40:09.760 --> 0:40:14.040
<v Speaker 2>under market value, significant only undermarket value. And I actually

0:40:14.040 --> 0:40:16.720
<v Speaker 2>went back and I looked at where the housing prices

0:40:16.719 --> 0:40:18.680
<v Speaker 2>in this neighborhood were at the bottom of the market

0:40:18.719 --> 0:40:20.799
<v Speaker 2>in twenty twelve, that's when the bottom was for the

0:40:20.840 --> 0:40:24.360
<v Speaker 2>county we're purchasing in. And the house is only slightly

0:40:24.400 --> 0:40:27.440
<v Speaker 2>more than it was than the average or the media

0:40:27.440 --> 0:40:30.279
<v Speaker 2>and whatever it is sales price of a comparable home

0:40:30.760 --> 0:40:33.640
<v Speaker 2>in twenty twelve, and I recommend if you're thinking about

0:40:33.640 --> 0:40:35.520
<v Speaker 2>buying and you want to know is this market is

0:40:35.520 --> 0:40:38.080
<v Speaker 2>this a bubble? I would go back and see, you know,

0:40:38.160 --> 0:40:40.759
<v Speaker 2>definitely look at the comps. You might hear that if

0:40:40.760 --> 0:40:44.160
<v Speaker 2>you'd like watch any HGTV shows, but like, see what

0:40:44.400 --> 0:40:47.520
<v Speaker 2>a comparable house meaning, like single family, how many bedrooms,

0:40:47.560 --> 0:40:50.640
<v Speaker 2>how many bath in the same zip code, same city

0:40:50.719 --> 0:40:53.719
<v Speaker 2>or whatever town county is selling for and then you

0:40:53.760 --> 0:40:56.440
<v Speaker 2>might get a better idea if you are if you're

0:40:56.440 --> 0:40:59.840
<v Speaker 2>really buying the tip of a potential bubble or whatever.

0:41:01.160 --> 0:41:03.160
<v Speaker 1>And as the key is, you want to like if

0:41:03.480 --> 0:41:07.760
<v Speaker 1>like Mandy and I are buying in, we're thinking like investors,

0:41:08.040 --> 0:41:12.000
<v Speaker 1>and so even though we're gonna live in these homes,

0:41:12.239 --> 0:41:15.279
<v Speaker 1>you still want to think of your house as an investment.

0:41:15.760 --> 0:41:18.600
<v Speaker 1>And so like I, you know, I'm so glad that

0:41:18.680 --> 0:41:22.640
<v Speaker 1>I got outbid on the other homes, because honestly, they

0:41:22.680 --> 0:41:25.600
<v Speaker 1>were the houses the help. The homes that I didn't

0:41:25.600 --> 0:41:28.480
<v Speaker 1>get were really super inflated because they would be listed

0:41:28.520 --> 0:41:31.480
<v Speaker 1>for two hundred maybe two hundred and twenty thousand, and

0:41:31.520 --> 0:41:35.680
<v Speaker 1>then go for sixty two eighty two weeks later. And

0:41:35.760 --> 0:41:38.000
<v Speaker 1>so if I would have gotten one of those homes,

0:41:38.040 --> 0:41:42.239
<v Speaker 1>who knows if once the housing markets markets settled down

0:41:42.239 --> 0:41:46.120
<v Speaker 1>in Newark, if I was if I overpaid. Whereas now

0:41:47.040 --> 0:41:49.239
<v Speaker 1>with this house that we're getting, because it's a foreclosure

0:41:49.560 --> 0:41:52.560
<v Speaker 1>and the house and the copperper houses in the neighborhood

0:41:52.600 --> 0:41:55.840
<v Speaker 1>are worth three sixty this house is worth three sixty

0:41:55.920 --> 0:41:58.160
<v Speaker 1>six at its current state. Me getting it for one

0:41:58.320 --> 0:42:01.200
<v Speaker 1>eighty guarantees, it's like, I mean, it would have to

0:42:01.280 --> 0:42:04.520
<v Speaker 1>drop so significantly in order for this not to be

0:42:04.560 --> 0:42:07.000
<v Speaker 1>a good deal, even with us gonna put like we're

0:42:07.000 --> 0:42:09.000
<v Speaker 1>gonna put maybe like up to fifty thousand dollars worth

0:42:09.040 --> 0:42:11.000
<v Speaker 1>of work into the house to get like the bathroom

0:42:11.040 --> 0:42:13.799
<v Speaker 1>in the kitchen that I want. And so even with that,

0:42:14.080 --> 0:42:16.840
<v Speaker 1>we still come out on top. So if you're buying

0:42:16.840 --> 0:42:19.360
<v Speaker 1>a home to live in, to still think about it

0:42:19.400 --> 0:42:22.839
<v Speaker 1>as a as an investment, like you know, like Mandy said,

0:42:22.880 --> 0:42:25.839
<v Speaker 1>she did her due diligence to say, Okay, despite us

0:42:25.880 --> 0:42:28.279
<v Speaker 1>buying like during a time when we're at the top

0:42:28.320 --> 0:42:32.200
<v Speaker 1>of the housing market, this house is still a good buy, yep.

0:42:32.560 --> 0:42:35.640
<v Speaker 2>And and you know, investment not in the sense that oh,

0:42:35.640 --> 0:42:37.480
<v Speaker 2>I'm gonna this is gonna be my nest egg one year.

0:42:37.840 --> 0:42:39.440
<v Speaker 2>You know, I feel bad for the couple because this

0:42:39.600 --> 0:42:41.560
<v Speaker 2>really you can tell this is their nest egg. You know,

0:42:41.600 --> 0:42:43.680
<v Speaker 2>they bought this house in seventy nine for forty five

0:42:43.680 --> 0:42:46.879
<v Speaker 2>thousand dollars. You know, they've made a ton of money,

0:42:46.920 --> 0:42:49.680
<v Speaker 2>but this is their retirement. And I, you know, and

0:42:51.040 --> 0:42:53.319
<v Speaker 2>I understand why they want to why they want to sell. Now.

0:42:53.360 --> 0:42:55.880
<v Speaker 2>It's great seller's market, you know, there's tons of hours,

0:42:56.520 --> 0:42:58.640
<v Speaker 2>but I'm not thinking that way. I really do. I

0:42:58.760 --> 0:43:01.880
<v Speaker 2>just want to not lose money on this house. I

0:43:01.880 --> 0:43:03.279
<v Speaker 2>don't want to lose a lot of money in this house.

0:43:03.480 --> 0:43:03.759
<v Speaker 3>You're not.

0:43:04.600 --> 0:43:06.920
<v Speaker 2>But it's also you know, another thing is you know

0:43:06.960 --> 0:43:09.120
<v Speaker 2>the you know, I don't know if well you bought

0:43:09.239 --> 0:43:11.880
<v Speaker 2>you paid for your house in cash. Most people use

0:43:11.920 --> 0:43:14.080
<v Speaker 2>a mortgage. And the mortgage lender I was, you know,

0:43:14.080 --> 0:43:16.320
<v Speaker 2>I've interviewed, like I felt like I was interviewing. I

0:43:16.360 --> 0:43:18.560
<v Speaker 2>really was interviewing three different lenders to see what they

0:43:18.560 --> 0:43:20.680
<v Speaker 2>had on offer. And they'd be like, oh, you can

0:43:20.719 --> 0:43:22.680
<v Speaker 2>qualify r way more than this, don't you worry. You're like,

0:43:22.680 --> 0:43:24.920
<v Speaker 2>we can get you up to this, and I'm like, no, no, no, no, no,

0:43:25.040 --> 0:43:28.040
<v Speaker 2>here's what I want. I don't want that. I want

0:43:28.120 --> 0:43:30.200
<v Speaker 2>half of that. This is how much I need to

0:43:30.280 --> 0:43:32.560
<v Speaker 2>loan for because I do not want my expenses to

0:43:32.560 --> 0:43:34.480
<v Speaker 2>be any higher than they are right now as I'm renting,

0:43:34.880 --> 0:43:38.440
<v Speaker 2>and that's been my goal and I'm so far. I mean,

0:43:38.480 --> 0:43:42.000
<v Speaker 2>I really had to put a roof a ceiling on

0:43:42.000 --> 0:43:46.440
<v Speaker 2>my own budget, and with my budget, we really weren't

0:43:46.440 --> 0:43:48.279
<v Speaker 2>supposed to be able to get a house. It's only

0:43:48.320 --> 0:43:51.040
<v Speaker 2>because we got this deal. We saw happened to see this,

0:43:51.239 --> 0:43:53.759
<v Speaker 2>you know, this house right when it sort of hit

0:43:53.840 --> 0:43:56.120
<v Speaker 2>the market, that we were able to get it because

0:43:56.160 --> 0:43:58.759
<v Speaker 2>I and thank god, they like us enough. I mean,

0:43:58.760 --> 0:44:00.719
<v Speaker 2>who knows not gone a million pieces of wood because

0:44:00.719 --> 0:44:03.319
<v Speaker 2>we're still in contract. I know, anybody can come and

0:44:03.360 --> 0:44:06.400
<v Speaker 2>outfit us. You know, anybody could you know, I'm going

0:44:06.440 --> 0:44:09.840
<v Speaker 2>to knock on all the wood, all of it. But

0:44:10.520 --> 0:44:12.600
<v Speaker 2>you know, that's that's I think that's you know, if

0:44:12.600 --> 0:44:15.120
<v Speaker 2>you're thinking about buying, definitely don't get caught up in

0:44:15.120 --> 0:44:17.560
<v Speaker 2>the emotion of it, or oh, Mandy and Tiffany are

0:44:17.600 --> 0:44:19.520
<v Speaker 2>buying a house, like and my cousin just bought a

0:44:19.520 --> 0:44:21.000
<v Speaker 2>house and I should buy a house, and you really

0:44:21.040 --> 0:44:24.200
<v Speaker 2>have to look at your own situation and where you're

0:44:24.239 --> 0:44:25.920
<v Speaker 2>buying and what's happening in your market and what you

0:44:25.960 --> 0:44:29.600
<v Speaker 2>can afford. Because, Yeah, if anything positive came from the

0:44:29.640 --> 0:44:32.000
<v Speaker 2>housing crisis, I think it was that breakdown of this

0:44:32.200 --> 0:44:34.080
<v Speaker 2>myth that you need a home. You need a house

0:44:34.080 --> 0:44:36.840
<v Speaker 2>to be successful or to be seen as successful. No,

0:44:37.040 --> 0:44:39.359
<v Speaker 2>you just need a high you know, a positive net

0:44:39.400 --> 0:44:41.000
<v Speaker 2>worth and exactly.

0:44:40.640 --> 0:44:41.080
<v Speaker 1>What you're doing.

0:44:41.160 --> 0:44:42.920
<v Speaker 3>I got my home, I thought I was so grown

0:44:42.960 --> 0:44:43.400
<v Speaker 3>and cute.

0:44:43.600 --> 0:44:47.839
<v Speaker 1>I said, I'm twenty five, kindo with the house, kind

0:44:47.880 --> 0:44:50.279
<v Speaker 1>of a check me out, and then a few years later,

0:44:50.480 --> 0:44:54.319
<v Speaker 1>I'm twenty five with a closure twenty nine.

0:44:55.040 --> 0:44:56.680
<v Speaker 3>It's that grand opening, grand clothing.

0:44:56.800 --> 0:45:00.200
<v Speaker 1>So yes, if I could talk to that Tiffany back then,

0:45:00.760 --> 0:45:03.440
<v Speaker 1>I had like forty thousand dollars saves, I could have

0:45:03.560 --> 0:45:07.319
<v Speaker 1>invested and done something different, And yeah, there was just

0:45:07.360 --> 0:45:09.719
<v Speaker 1>a lot I didn't know. So definitely buying a house

0:45:09.880 --> 0:45:13.560
<v Speaker 1>is not the cure all. Anytime you're spending a lot

0:45:13.600 --> 0:45:15.359
<v Speaker 1>of money, you just want to be mindful that you're

0:45:15.400 --> 0:45:19.200
<v Speaker 1>adding to your lifestyle and you're adding to your net worth.

0:45:20.200 --> 0:45:22.000
<v Speaker 2>Yeah, I'll let you know how it all works out.

0:45:22.719 --> 0:45:25.439
<v Speaker 1>Yeah, we're rooting for you so hopefully, Like I said,

0:45:25.719 --> 0:45:29.719
<v Speaker 1>May nineteenth, it's our closing date, which is just you know,

0:45:30.000 --> 0:45:31.960
<v Speaker 1>we've been through a lot, like we've been through a

0:45:31.960 --> 0:45:33.240
<v Speaker 1>lot with this you have.

0:45:33.239 --> 0:45:35.920
<v Speaker 2>And I'm in that mode where I'm like, something's gonna happen.

0:45:36.480 --> 0:45:37.560
<v Speaker 3>No, don't claim it.

0:45:37.600 --> 0:45:41.040
<v Speaker 1>You guys have, you gonna have smooth sailing. It's gonna

0:45:41.080 --> 0:45:43.759
<v Speaker 1>be great. Like I told myself, even if the bank

0:45:43.760 --> 0:45:45.520
<v Speaker 1>doesn't clean out the house that they promised, because that's

0:45:45.520 --> 0:45:47.520
<v Speaker 1>what we're waiting on now, then the good thing is

0:45:47.520 --> 0:45:50.080
<v Speaker 1>we have all the paperwork. We'll just close because we've

0:45:50.160 --> 0:45:53.520
<v Speaker 1>got the closing agent and they have all the paper

0:45:53.520 --> 0:45:55.239
<v Speaker 1>where we can close today. That's the only reason why

0:45:55.239 --> 0:45:57.600
<v Speaker 1>I feel really confident is that we can close today

0:45:57.640 --> 0:46:00.560
<v Speaker 1>where we are. But you know, they promised to clean

0:46:00.600 --> 0:46:02.600
<v Speaker 1>out the house, and honestly, it'd be a few hundred dollars,

0:46:02.680 --> 0:46:06.200
<v Speaker 1>if not a thousand or so plus dollars to rent

0:46:06.200 --> 0:46:07.800
<v Speaker 1>the dumpster and all that stuff to get rid of

0:46:07.880 --> 0:46:09.839
<v Speaker 1>all the crap in the house. So I much rather

0:46:09.960 --> 0:46:12.680
<v Speaker 1>be patient and let them take care of it. But

0:46:13.440 --> 0:46:15.400
<v Speaker 1>they promised a month ago, so this is like their

0:46:15.480 --> 0:46:16.200
<v Speaker 1>last month.

0:46:16.040 --> 0:46:17.520
<v Speaker 3>To kind of get it together.

0:46:18.080 --> 0:46:20.319
<v Speaker 1>Yeah, and if not I just told super Man, let's

0:46:20.360 --> 0:46:22.560
<v Speaker 1>just whatever if that's what it takes. I mean, we'll

0:46:22.600 --> 0:46:24.520
<v Speaker 1>just get our friends together to help us out, because

0:46:24.520 --> 0:46:25.920
<v Speaker 1>I just don't want to wait forever, you know.

0:46:26.880 --> 0:46:29.799
<v Speaker 2>Yeah, so yeah, oh, one one quick thing I didn't mention.

0:46:30.280 --> 0:46:32.160
<v Speaker 2>I actually, you know, one of the reasons I talked

0:46:32.160 --> 0:46:34.400
<v Speaker 2>about on the show. It's an early stage. You might

0:46:34.400 --> 0:46:36.239
<v Speaker 2>be wondering, why is she talking about it out loud,

0:46:36.280 --> 0:46:38.160
<v Speaker 2>like what if something happens, you know, to be terrible

0:46:38.400 --> 0:46:41.319
<v Speaker 2>that it falls through. But I'm so I'm kind of

0:46:41.360 --> 0:46:44.200
<v Speaker 2>like so fascinated by the whole mortgage lending process itself

0:46:44.200 --> 0:46:46.480
<v Speaker 2>because I've written about it for so long and now

0:46:46.520 --> 0:46:49.040
<v Speaker 2>I'm living it, and I'm really excited to be able

0:46:49.080 --> 0:46:53.279
<v Speaker 2>to share some some like actual first person experience with this,

0:46:53.400 --> 0:46:55.879
<v Speaker 2>with this shadiness, like the like the one thing I'm

0:46:55.920 --> 0:46:59.520
<v Speaker 2>excited slash nervous about is so we've put in our

0:46:59.640 --> 0:47:02.440
<v Speaker 2>We've got and pre approved for a loan from different lenders.

0:47:02.440 --> 0:47:07.200
<v Speaker 2>We chose our lender. You'll be excited. It's ally they

0:47:07.200 --> 0:47:12.319
<v Speaker 2>do mortgages and their customer service is great. So so

0:47:12.760 --> 0:47:16.160
<v Speaker 2>we've gotten approved, we're in contract, but the lender now

0:47:16.280 --> 0:47:18.480
<v Speaker 2>is going to do an appraisal. And this is one

0:47:18.480 --> 0:47:20.480
<v Speaker 2>thing to keep in mind when you're buying at market.

0:47:21.160 --> 0:47:23.200
<v Speaker 2>So the bidding wars are happening, you know, you're putting

0:47:23.200 --> 0:47:25.160
<v Speaker 2>in a higher offer. We didn't get into any you know,

0:47:25.440 --> 0:47:27.520
<v Speaker 2>a serious bidding war. What was I going to say? Oh,

0:47:27.520 --> 0:47:30.080
<v Speaker 2>the appraisal. So I was I'm worried. I was a

0:47:30.080 --> 0:47:31.880
<v Speaker 2>little bit worried. I'm like, Okay, what if the appraisal

0:47:31.920 --> 0:47:34.080
<v Speaker 2>comes in. You know, the bank wants to know that

0:47:34.120 --> 0:47:36.080
<v Speaker 2>if they give you this loan, that they will be

0:47:36.120 --> 0:47:38.200
<v Speaker 2>able to recoup it if something happens right, So that's

0:47:38.200 --> 0:47:41.520
<v Speaker 2>why they do their own appraisal of the property and

0:47:41.560 --> 0:47:43.640
<v Speaker 2>they get their own value of the house. And if

0:47:43.680 --> 0:47:45.799
<v Speaker 2>you're in a in a hot market, you know, if

0:47:45.800 --> 0:47:48.280
<v Speaker 2>that appraisal comes in lower than what you've been bidding,

0:47:49.160 --> 0:47:51.200
<v Speaker 2>there is something written in our contract that gives us

0:47:51.239 --> 0:47:53.640
<v Speaker 2>an out that we can you know, leave the table

0:47:53.680 --> 0:47:56.520
<v Speaker 2>at that point because the bank isn't going to give

0:47:56.600 --> 0:47:58.800
<v Speaker 2>us a loan for the amount that we need. You know,

0:47:58.840 --> 0:48:01.080
<v Speaker 2>we'd have to basically make up the difference in cash.

0:48:01.440 --> 0:48:04.160
<v Speaker 2>You know, Let's say the house we put in a

0:48:04.200 --> 0:48:06.560
<v Speaker 2>bit of like five hundred thousand, but the appraisal says

0:48:06.560 --> 0:48:08.600
<v Speaker 2>it's worth four twenty, then the bank would be like,

0:48:08.640 --> 0:48:10.360
<v Speaker 2>we're only going to give you four twenty, so I

0:48:10.400 --> 0:48:11.960
<v Speaker 2>have to come up with the other eighty grand And

0:48:12.000 --> 0:48:14.160
<v Speaker 2>I'm you know, this is a hypothetical buying going to

0:48:14.239 --> 0:48:16.840
<v Speaker 2>do that, so I would walk away. But that's you know,

0:48:17.080 --> 0:48:19.560
<v Speaker 2>our lawyers, you know, made sure that clause was in

0:48:19.600 --> 0:48:22.799
<v Speaker 2>our contracts. We can get out, and that's sort of

0:48:22.840 --> 0:48:26.120
<v Speaker 2>my That's the question I have now is what's it

0:48:26.160 --> 0:48:28.000
<v Speaker 2>going to appraise for? Because if it's not what we're

0:48:28.000 --> 0:48:29.080
<v Speaker 2>buying it for, I am not.

0:48:29.680 --> 0:48:31.960
<v Speaker 1>Of course, no, no, now here's the thing. This is

0:48:31.960 --> 0:48:33.799
<v Speaker 1>the mistake that I made with a house that we

0:48:33.880 --> 0:48:36.520
<v Speaker 1>loved in the beginning. That what I wish I would

0:48:36.560 --> 0:48:42.719
<v Speaker 1>have gotten my inspection before the appraisal, because you have

0:48:42.800 --> 0:48:45.799
<v Speaker 1>to pay for the inspection and the appraisal, and I

0:48:45.880 --> 0:48:48.040
<v Speaker 1>had them both done on the same day. And I

0:48:48.160 --> 0:48:51.120
<v Speaker 1>found out that the inspection that day, like our inspector

0:48:51.200 --> 0:48:52.080
<v Speaker 1>was like, yo, this house.

0:48:52.040 --> 0:48:53.040
<v Speaker 3>Is falling apart.

0:48:53.239 --> 0:48:55.799
<v Speaker 1>And so now if I would have known that, I

0:48:55.800 --> 0:48:58.239
<v Speaker 1>could have not had the appraisal. The appraisal was like,

0:48:58.600 --> 0:49:00.960
<v Speaker 1>I don't know, maybe like nine hundred dollar. So I

0:49:01.080 --> 0:49:04.160
<v Speaker 1>paid for that on a house that if I had

0:49:04.200 --> 0:49:06.480
<v Speaker 1>just gotten inspected beforehand, I could say, you know what,

0:49:06.520 --> 0:49:08.160
<v Speaker 1>no appraisal needed, We're not getting.

0:49:07.880 --> 0:49:11.440
<v Speaker 3>This house, so that's just yeah, that's something go ahead.

0:49:12.280 --> 0:49:14.839
<v Speaker 2>We actually got our inspection the same week or offer

0:49:15.000 --> 0:49:15.520
<v Speaker 2>was accepted.

0:49:15.760 --> 0:49:17.040
<v Speaker 3>Okay, I did it.

0:49:17.560 --> 0:49:19.640
<v Speaker 1>Yes, the appraisal is not I mean expection. So but

0:49:19.680 --> 0:49:21.880
<v Speaker 1>that's something I didn't realize. I'm like, oh, I should

0:49:21.880 --> 0:49:25.080
<v Speaker 1>have had the inspection done ahead of time, so just

0:49:25.120 --> 0:49:26.600
<v Speaker 1>so we don't have to even go through any of

0:49:26.640 --> 0:49:28.799
<v Speaker 1>this stuff, because if the house wasn't gonna you know,

0:49:28.840 --> 0:49:31.560
<v Speaker 1>if it didn't pass, I didn't have to spend all

0:49:31.560 --> 0:49:34.360
<v Speaker 1>this extra money I ended up spending. Honestly, when it

0:49:34.360 --> 0:49:36.640
<v Speaker 1>was all said and done, it was like over two

0:49:36.680 --> 0:49:40.520
<v Speaker 1>thousand dollars in the process, to only find out later

0:49:41.239 --> 0:49:43.640
<v Speaker 1>this house is not you know, livable basically, And I

0:49:43.719 --> 0:49:45.759
<v Speaker 1>was like, oh, it was such I know, it was

0:49:45.760 --> 0:49:47.279
<v Speaker 1>such a hard pulble swallow, but it was a good

0:49:47.360 --> 0:49:49.560
<v Speaker 1>lesson because there's things you have to pay for along

0:49:49.600 --> 0:49:52.600
<v Speaker 1>the way, like you know that you know, I you know,

0:49:52.640 --> 0:49:55.279
<v Speaker 1>had I known, like I said, I wouldn't have done.

0:49:55.400 --> 0:49:57.440
<v Speaker 1>But you know, you living with you learn And I

0:49:57.520 --> 0:49:59.880
<v Speaker 1>was just like, ugh, just just as mindful for you

0:50:00.120 --> 0:50:02.799
<v Speaker 1>who are thinking about purchasing a property, make sure you

0:50:02.880 --> 0:50:04.799
<v Speaker 1>get your inspection first and foremost.

0:50:05.120 --> 0:50:07.200
<v Speaker 2>And so far, I'm finding out all the averages you

0:50:07.239 --> 0:50:09.839
<v Speaker 2>read on the internets are higher in real life, at

0:50:09.920 --> 0:50:12.440
<v Speaker 2>least in New York. Like my inspection was six hundred dollars,

0:50:12.920 --> 0:50:15.759
<v Speaker 2>but then once you factor in the pest inspection and

0:50:15.840 --> 0:50:17.799
<v Speaker 2>this raid on test, which to this day, I don't

0:50:17.800 --> 0:50:19.279
<v Speaker 2>know if you know I really needed it or not.

0:50:19.560 --> 0:50:22.520
<v Speaker 2>We spent eight hundred dollars on the inspection and I

0:50:22.600 --> 0:50:24.399
<v Speaker 2>was and I walked I don't know if you walked

0:50:24.400 --> 0:50:27.799
<v Speaker 2>through with your inspection person, but I we walked the

0:50:27.920 --> 0:50:29.440
<v Speaker 2>entire house with them, and it was a man and

0:50:29.480 --> 0:50:31.680
<v Speaker 2>his son, and they were like incredibly thorough. It was

0:50:31.680 --> 0:50:34.200
<v Speaker 2>like a two and a half hour, you know experience,

0:50:34.239 --> 0:50:36.600
<v Speaker 2>and I felt really good and Solid's like I wanted

0:50:36.600 --> 0:50:39.040
<v Speaker 2>the inspection right away and so fast because it wasn't

0:50:39.080 --> 0:50:40.720
<v Speaker 2>it is an older house. It was built in nineteen

0:50:40.760 --> 0:50:42.880
<v Speaker 2>forty seven, and I I just want a peace of

0:50:42.880 --> 0:50:44.600
<v Speaker 2>mind that we were going to be, you know, not

0:50:44.719 --> 0:50:47.200
<v Speaker 2>investing into something that was like you know, falling.

0:50:46.960 --> 0:50:47.920
<v Speaker 3>Upon the part YEP.

0:50:48.080 --> 0:50:50.120
<v Speaker 2>And then once we had that. Then we were like, okay,

0:50:50.160 --> 0:50:54.319
<v Speaker 2>all systems go, let's do this thing. And the appraisal, Yeah,

0:50:54.360 --> 0:50:57.920
<v Speaker 2>the appraisal, that's part of your closing costs down the line.

0:50:58.000 --> 0:51:02.120
<v Speaker 2>I'm excited slash terrified.

0:51:02.840 --> 0:51:05.879
<v Speaker 1>I know, no, I don't worry, like yeah, I mean

0:51:05.960 --> 0:51:09.640
<v Speaker 1>if your if your inspection passed, then from what I've heard,

0:51:09.640 --> 0:51:13.160
<v Speaker 1>appraisals usually like are in alignment. You know that's good though,

0:51:13.239 --> 0:51:16.680
<v Speaker 1>keep us informed. I can't wait, broc here at your house.

0:51:17.320 --> 0:51:21.240
<v Speaker 2>Oh don't chanse it, but yeah, for sure, all right.

0:51:29.360 --> 0:51:32.720
<v Speaker 4>All right, it's time for Winds.

0:51:32.760 --> 0:51:35.360
<v Speaker 3>Hallelujah. It's Wayne and Winds.

0:51:38.600 --> 0:51:41.160
<v Speaker 2>Should we share this one or do you have you

0:51:41.160 --> 0:51:43.399
<v Speaker 2>know I like, I would definitely like to share this one.

0:51:43.760 --> 0:51:46.399
<v Speaker 2>We can share this one. So if you guys haven't

0:51:46.480 --> 0:51:49.600
<v Speaker 2>checked your iTunes app lately, you might see some familiar faces.

0:51:50.520 --> 0:51:52.960
<v Speaker 2>iTunes showing the love to brand ambition once again. They

0:51:52.960 --> 0:51:56.440
<v Speaker 2>put us on the Black History Months featured list on

0:51:56.600 --> 0:52:00.120
<v Speaker 2>the podcast page, which is so exciting. Yes, very exciting,

0:52:00.480 --> 0:52:03.680
<v Speaker 2>so check it out. Well, you're already listening, so you

0:52:03.719 --> 0:52:05.919
<v Speaker 2>know you probably saw it or you've already been a fan.

0:52:06.040 --> 0:52:09.040
<v Speaker 2>But thank you for your support, and thank you to

0:52:09.120 --> 0:52:12.560
<v Speaker 2>iTunes for the love anything you want to add.

0:52:12.360 --> 0:52:14.439
<v Speaker 3>To No, it was just nice to see.

0:52:14.480 --> 0:52:17.279
<v Speaker 1>I'm just like, wow, it's so weird, Like I like

0:52:17.320 --> 0:52:19.080
<v Speaker 1>I say every week, I just feel like I'm just

0:52:19.160 --> 0:52:21.799
<v Speaker 1>talking to you Manny like yeah, girl. And then so

0:52:21.840 --> 0:52:23.400
<v Speaker 1>it's weird when someone's like, oh my god, I love

0:52:23.440 --> 0:52:27.520
<v Speaker 1>my ambition. I'm like, that's right. It's recorded, it edited

0:52:27.560 --> 0:52:32.040
<v Speaker 1>and shared, just because I'm just so like, you know,

0:52:32.200 --> 0:52:35.480
<v Speaker 1>it just feels like us, like how we would talk

0:52:35.520 --> 0:52:38.000
<v Speaker 1>if we see each other, hang out or whatever. So

0:52:38.440 --> 0:52:41.960
<v Speaker 1>it's just dope that, you know. It's like our friendship

0:52:42.320 --> 0:52:45.520
<v Speaker 1>is I don't know, interesting, and I just love that.

0:52:45.640 --> 0:52:50.200
<v Speaker 2>And so entertainment that's what we are. We meet together. Money,

0:52:51.760 --> 0:52:52.440
<v Speaker 2>but pot.

0:52:52.480 --> 0:52:54.200
<v Speaker 3>So let's talk about how we can get Ally as

0:52:54.239 --> 0:52:56.640
<v Speaker 3>a sponsor. We're putting it out there if you work

0:52:56.680 --> 0:52:59.120
<v Speaker 3>for ALLYA.

0:52:58.200 --> 0:52:59.680
<v Speaker 2>Wait, is that some sort am I gonna get A?

0:52:59.719 --> 0:53:01.399
<v Speaker 2>I don't want to. I don't want to violate any

0:53:01.920 --> 0:53:04.719
<v Speaker 2>Oh that's fine laws. I'm not trying to bribe anybody.

0:53:05.160 --> 0:53:07.480
<v Speaker 1>No, I'm just saying no, no, no, I'm just saying, like,

0:53:07.520 --> 0:53:09.520
<v Speaker 1>you know, because I love Ally, you love Ally.

0:53:09.640 --> 0:53:11.360
<v Speaker 2>Hey, that's true, we're fans.

0:53:11.640 --> 0:53:14.200
<v Speaker 3>Yeah, so you know I'm just putting it out there.

0:53:14.320 --> 0:53:18.120
<v Speaker 1>If you know of any other brands that you're part of,

0:53:18.160 --> 0:53:19.920
<v Speaker 1>they don't have to be financial brands. If you've heard

0:53:19.960 --> 0:53:22.799
<v Speaker 1>us talk about something about our hair, nails, whatever, and

0:53:22.840 --> 0:53:25.920
<v Speaker 1>you think that would be cute, cute little sponsorship opportunity,

0:53:26.320 --> 0:53:30.440
<v Speaker 1>definitely hit us up on our website, which is brandabishoppodcast dot.

0:53:30.280 --> 0:53:31.680
<v Speaker 3>Com dot com.

0:53:31.840 --> 0:53:34.960
<v Speaker 1>Got it, Yeah, and then you know, because you just

0:53:35.000 --> 0:53:38.000
<v Speaker 1>never know, You just never know what listeners are listening

0:53:38.080 --> 0:53:41.560
<v Speaker 1>out there, So you could certainly contact us there and say, hey,

0:53:41.719 --> 0:53:44.560
<v Speaker 1>my company would love to sponsor an episode or year

0:53:44.640 --> 0:53:46.920
<v Speaker 1>or two for dollars.

0:53:47.280 --> 0:53:50.760
<v Speaker 2>Yes, and thanks to everybody who filled out the listener survey.

0:53:50.800 --> 0:53:53.000
<v Speaker 2>I'm going to post another link on well, you can

0:53:53.040 --> 0:53:55.440
<v Speaker 2>still check it out on our Facebook page. It's just

0:53:55.440 --> 0:53:57.360
<v Speaker 2>like eight or nine questions really quick for us to

0:53:57.360 --> 0:53:59.719
<v Speaker 2>get to know you guys better. And I'll post a

0:53:59.719 --> 0:54:02.239
<v Speaker 2>link on the website as well, so if you haven't

0:54:02.239 --> 0:54:04.400
<v Speaker 2>filled it out, you still have time. And thank you

0:54:04.480 --> 0:54:06.879
<v Speaker 2>for the couple hundred people who've already taken part.

0:54:07.480 --> 0:54:08.520
<v Speaker 3>Yeah, we love you guys.

0:54:09.440 --> 0:54:10.839
<v Speaker 2>Love Happy Valentine's Day.

0:54:11.200 --> 0:54:14.040
<v Speaker 3>Oh yes, Happy balance Valentine.

0:54:13.960 --> 0:54:29.239
<v Speaker 2>Galentine with the end, Happy Valentine, Oh, got it. Bye,