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Speaker 1: Every year we say, well, wake up earlier, exercise more,

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Speaker 1: really rest and eat healthier. It's hard for us, but

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Speaker 1: for dogs not so much. Dogs drop at dawn, run

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Speaker 1: Piece of the Planet, Charlemagne the God here and you

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Speaker 1: don't want to miss Hello Somebody with Senator Nina Turner

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Speaker 1: on The Black Effect podcast Network. I love Hello Somebody

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Speaker 1: simply because I love Nina Turner. She's Felessina Turner, hell raising, humanitarian,

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Speaker 1: sister in the struggle and recovering elected official. Listen to

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Speaker 1: Hello Somebody every Thursday on the Heart Radio at Apple

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Speaker 1: podcast Oh where you get your podcasts? Hi, I'm Sarah Coustock.

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Speaker 1: I'm the NBA analysts for they S Network, and I'm

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Speaker 1: hosting a new podcast called NBA Flashback. NBA Flashback takes

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Speaker 1: you back to the best moments in NBA history through

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Speaker 1: exclusive archival audio from the NBA vault, and each week

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Speaker 1: we'll have new interviews with the legends who were actually

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Speaker 1: on the court. Check out NBA Flashback on the I

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Speaker 1: Heart Radio app, Apple Podcasts, or wherever you get your podcast.

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Speaker 1: Welcome to Money Making Conversations. It's the show that she

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Speaker 1: has the secrets of success experience firsthand by marketing and

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Speaker 1: Brandon expert Rashan McDonald. I will know he's given me

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Speaker 1: advice on many occasions. In occasion didn't notice, I'm not broke.

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Speaker 1: You know. He'll be interview with celebrity CEOs, entrepreneurs and

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Speaker 1: industry decision makers. It's what he likes to do. It's

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Speaker 1: what he likes to share. Now it's time to hear

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Speaker 1: from my man, Rashan McDonald Money Conversation. We welcome to

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Speaker 1: Money Making Conversation. I am your host for Sean McDonald.

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Speaker 1: Like I said every week, it's really it's time to

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Speaker 1: stop reading other people's success stories and really start writing

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Speaker 1: your own. And I always hear by people talking about

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Speaker 1: their gifts and their passion. If you have a gift,

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Speaker 1: lead with your gift and don't let your age, friends, family,

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Speaker 1: or co workers stop you from planning or living your dreams.

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Speaker 1: Interviews I do on my show Money Making Conversations on celebrities, CEOs,

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Speaker 1: entrepreneurs and people I like to call industry decision makers.

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Speaker 1: My next guest is one of my favorite people. Her

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Speaker 1: name is Snoop Dealer. She's the owner of Dialard Hospitality Group.

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Speaker 1: D D. Dealer Hospitality Group is Atlanta based hospitality company

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Speaker 1: that takes pride and deliver it high quality care and

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Speaker 1: customer service. With five restaurants, three salon suites, a charity

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Speaker 1: organization to tourism and travel agencies, a real estate investment

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Speaker 1: and business consulting. The agency d h D has become

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Speaker 1: a leader and provide in Atlanta now. Excellent examples are

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Speaker 1: optimal delivery within the first industry of Atlanta, Georgia. On

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Speaker 1: the show to Day, Snoop and I were going to

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Speaker 1: talk to her about her road to recovery and also

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Speaker 1: our mentorship program because last year both she and I

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Speaker 1: were frustrated with this COVID ninteam when they were both

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Speaker 1: entrepreneurs and also talking about putting your business back on

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Speaker 1: the fast fast track to success. If anybody can talk

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Speaker 1: about that because of our diversity of her portfolio, is her.

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Speaker 1: Please welcome to the show Money Making Conversation. Snoop Dealer, Hey,

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Speaker 1: it's snow. Thanks for having me that phenomenal uh, that

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Speaker 1: phenomenal phenomenal well, you know, you know those are you

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Speaker 1: one of my favorite people. And last time I had

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Speaker 1: you on the show, COVID was beating us up as entrepreneurs,

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Speaker 1: was beating us both of you know, uh, your your

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Speaker 1: birthday tour got canceled everything, and I can I can

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Speaker 1: hear in your voice you were frustrated and because there

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Speaker 1: were no answers, can you walk us back through as

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Speaker 1: an entrepreneur, as a business owner, as a restaurant owner,

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Speaker 1: because that was really scary because customers couldn't come in

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Speaker 1: your business and talk about that whole process. Yeah, absolutely so, Um,

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Speaker 1: as you all know, of course, you know, we all

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Speaker 1: went through the same thing with COVID nineteen and I

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Speaker 1: think it was probably around the beginning of April or

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Speaker 1: the end of March that Hum and I spoke last year.

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Speaker 1: And of course, definitely frustrating time. That was around the

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Speaker 1: time when everything was just being shut down. We were

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Speaker 1: unclear on when things would open up and when everything

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Speaker 1: would even turn back to any type of normalcy or

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Speaker 1: if there ever would be normalcy, and what that would

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Speaker 1: look like, you know, um, for months and years to come. So, Um,

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Speaker 1: absolutely a frustrating time. As you mentioned, our own five restaurants.

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Speaker 1: So it's just having all of those clothes that once

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Speaker 1: was very very scary. Um. It made me have to

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Speaker 1: be super innovative. Um and really you know, just kind

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Speaker 1: of think out of the box. Uh. Now, Fortunately we

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Speaker 1: were are able to open back up, you know, about

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Speaker 1: a month after month later after we spoke you know,

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Speaker 1: uh during that time last year, and so I was

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Speaker 1: very surprised that we were able to open back up

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Speaker 1: as quickly as we were, um, and even more so

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Speaker 1: surprised and pleased to see people coming out and patronizing

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Speaker 1: the businesses like they did, you know, once we were

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Speaker 1: able to open back up. And so I went on

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Speaker 1: to open up three new businesses during the pandemic. So

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Speaker 1: that was definitely it was kind of like turning you know,

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Speaker 1: lemons into lemonade, you know, making a bad situation and

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Speaker 1: turning that into a positive situation. So, um, everything ended

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Speaker 1: up turning out all right. But it was definitely you know,

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Speaker 1: a scary time, you know, for all of us. Then

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Speaker 1: I think the time that will you know all never forget.

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Speaker 1: We know, it's really interesting because you're always upbeat, you

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Speaker 1: always a positive and you know, and as a and

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Speaker 1: I want to call you a friend of mine, just

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Speaker 1: hearing your voice and hearing the the the uncertainty in

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Speaker 1: your voice doing COVID as an as an entrepreneur, because

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Speaker 1: you're not only that you try to get customers in

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Speaker 1: the door, but your people you're employing, and you're hearing

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Speaker 1: their stories and their their checks and their bills that

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Speaker 1: they cannot pay. But with that being said, there has

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Speaker 1: been a difference in customer service now because now online

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Speaker 1: or to go has become a has changed the dynamics,

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Speaker 1: especially in black restaurants. Talking about how that has shifted

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Speaker 1: your business model, well, you know, while we were shut down,

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Speaker 1: we were well, we were allowed to stay open just

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Speaker 1: to do take out uh, and so that made us

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Speaker 1: have to focus, you know, on that aspect of the

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Speaker 1: business much more than we ever had before before. You know,

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Speaker 1: we always were more so concerned and cater to the

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Speaker 1: customers that were coming into the bus. So we ended

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Speaker 1: up seeing a lot of our profits from you know,

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Speaker 1: Uber Eats grew hub things of that nature nature and

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Speaker 1: even change in our platform um to see how we

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Speaker 1: could do uh take out and delivery without using those

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Speaker 1: platform forms which take you know, a certain percentage of profits.

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Speaker 1: So uh, it was definitely a time to kind of

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Speaker 1: change some things change are We even looked at changing

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Speaker 1: our to go containers, you know, to preserve food and

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Speaker 1: make sure that our to go food was fresh, just

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Speaker 1: like it would be in the restaurants, you know once

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Speaker 1: you get it there at home. So um, definitely a

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Speaker 1: lot of thinking outside the box, you know, during this

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Speaker 1: time period, and some things that we've carried on up

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Speaker 1: until now. You know, we've even implemented curbside windows that

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Speaker 1: several of our locations, um and still keep those going

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Speaker 1: to this day, even though people are coming back into

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Speaker 1: the restaurants now. It was really interesting. I was with

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Speaker 1: a friend I was at that I was at the

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Speaker 1: Wiffle House and we were sitting up at the bar

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Speaker 1: eating and I could tell you it was actually the

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Speaker 1: the the go pick area at the end of the

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Speaker 1: bar for wafall was like amazing. It was like it

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Speaker 1: was like a constant, steady flow. So I know the

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Speaker 1: mentality of the customer now is they have no problem

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Speaker 1: coming in, picking up their their food and exiting out

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Speaker 1: of the facility. Is that it may be tied to

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Speaker 1: maybe a fear or it's just a habit that was

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Speaker 1: built droughing COVID a team when it comes to future

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Speaker 1: restaurant customer, I think it was a habit that was

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Speaker 1: built during that time period and so that enabled you.

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Speaker 1: That's why you said, Okay, Rishan, we used to have

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Speaker 1: a certain way that we delivered. I'm talking to Snoop

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Speaker 1: Dialer than her customers. He has five restaurants in the

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Speaker 1: Atlanta area, and Snoop when we're talking about this, the

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Speaker 1: ability to say, you have different things you have to

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Speaker 1: you have the seal containers that you can just put

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Speaker 1: a lid on top of it, and do you have

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Speaker 1: the little the little styre foam that you would just

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Speaker 1: fold down and just walk out of there. So I'm

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Speaker 1: assuming that you went more to a seal container as

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Speaker 1: far as your to go. Even with the styrofoam, you know,

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Speaker 1: we went to a more breathable styrofoam contained in or

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Speaker 1: that which you know keep wings and fried foods, you know,

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Speaker 1: fresh shirt. By the time we get those to the

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Speaker 1: to the home location, it's finally here the season of celebration.

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Speaker 1: And no matter how you celebrate with family and friends,

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Speaker 1: whether you're preparing for reis magos or Karamu lighting the

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Speaker 1: Manura are going to midnight mass. Coals has just what

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Speaker 1: you need to make those traditions special. Plus you'll find

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Speaker 1: gifts for all your loved ones. Send warm wishes with

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Speaker 1: cozy fleeces, sweaters, loungeware, blankets and throws. Support minority owned

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Speaker 1: or founded brands by giving gifts from Human Nation and

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Speaker 1: shame moisture or treat them to everyone's favorite active wear

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Speaker 1: from top brands like Nike, Adidas, and under Armour. And

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Speaker 1: in the spirit of giving, Coals Cares is donating eight

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Speaker 1: million dollars to local nonprofits nationwide committed to the health

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Speaker 1: and well being of our communities. No matter how you celebrate,

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Speaker 1: when you shop at Coals, you're right where you belong.

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Speaker 1: So this season, give with all your heart with great

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Speaker 1: gifts from Coals or Coals dot Com. Hi everyone, I'll

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Speaker 1: Roker here as a guy with his own catchphrase. I

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Speaker 1: appreciate that Smokey's only said only you can prevent wildfires,

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Speaker 1: But I'm filling in because there's a lot more to report,

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Speaker 1: like when they're parched or windy conditions out there. You

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Speaker 1: gotta be extra careful with things like burning yard wage.

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Speaker 1: After all, wildfires can start anywhere, even in your neck

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Speaker 1: of the woods. Go to Smokey bear dot com to

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Speaker 1: learn more about wildfire prevention. Brought to you by the U. S.

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Speaker 1: Forest Service, your state Forester, and the AD Council. What

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Speaker 1: grows in the forest trees? Sure know what else grows

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Speaker 1: in the forest. Our imagination, our sense of wonder, and

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Speaker 1: our family bonds grow too, because when we disconnect from

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Speaker 1: this and connect with this, we reconnect with each other.

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Speaker 1: The forest is closer than you think. Find a forest

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Speaker 1: near you and start exploring. I discover the forest brought

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Speaker 1: to you by the United States Four Service and the

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Speaker 1: AD Council. But let's when we were out of that.

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Speaker 1: You know, we're into two. We're playing it only because

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Speaker 1: I know you're you know, you're not a person that

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Speaker 1: six or thirty days are You're playing a year in advance.

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Speaker 1: You got the five restaurants, the three so long sweet

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Speaker 1: break down to everybody, your five restaurants in the lot

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Speaker 1: of areas, so we get a sense of what the

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Speaker 1: the hospitality the group is doing from a restaurant perspective. Absolutely,

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Speaker 1: we've got Escobar Restaurant on top of us, which is

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Speaker 1: located downtown on Peter Street at three seven Peter Street.

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Speaker 1: We've got Escobar South which is on the south side,

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Speaker 1: and Moronto urge at eleven forty Mount Sion Road. And

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Speaker 1: we've also got members only lounge and restaurant which is

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Speaker 1: located at one thirty nine Rough Mgeo once again downtown. Uh.

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Speaker 1: And then we've got Crazy Restaurant which is located in

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Speaker 1: a little five Points. And then I also owned Esco Seafood,

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Speaker 1: so that one was opened up during the pandemic and

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Speaker 1: it's located at four or forty seven Edgewit Avenue. This

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Speaker 1: opening up a restaurant during the pandemic, talk to me.

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Speaker 1: You know people out there can't even get p pp

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Speaker 1: okay people out there, and you made a decision. Was

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Speaker 1: it was that in the works already now. It was

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Speaker 1: not the reason why I made a decision to open

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Speaker 1: up sc C Buddhist because I saw the influx of

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Speaker 1: people that were coming to Atlanta, being that we were

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Speaker 1: one of the only cities that were opened up the

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Speaker 1: way that we were during the pandemic um and just

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Speaker 1: kind of wanted to take advantage of that. Also, there

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Speaker 1: were some unfortunate restaurants that did have to close down

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Speaker 1: were the pandemic, and so, uh, there were several second

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Speaker 1: generation restaurant locations available UM that would allow us to

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Speaker 1: get open pretty quickly. UM. And so once I found

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Speaker 1: that location on Edge Live, which is a pretty sought

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Speaker 1: after you know areas to be on UM. There's a

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Speaker 1: lot of walk up traffic on that s UM, I

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Speaker 1: figured that that would be a good area to start

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Speaker 1: our sea food chain UM and go ahead and get

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Speaker 1: that going. And so we actually get that got that

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Speaker 1: location open and about three months we opened December ninth

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Speaker 1: of last year. Well, I'm goot to be honest with everybody.

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Speaker 1: When I talked to Snoop deal it, Uh, she's a visionary.

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Speaker 1: I tell her that all the time, and she's but

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Speaker 1: she's also a grinder. When I say a grinder means

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Speaker 1: that she's out there grind and she doesn't even realize

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Speaker 1: how she knows she's talented, but may not realize that

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Speaker 1: how talent and the impact that she makes on other people. Well,

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Speaker 1: she has a program, a mentorship program that uh that

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Speaker 1: the road to mentorship program. Talk to us about that

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Speaker 1: Road to mendorship program and why it's important and why

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Speaker 1: did you started absolutely so who is snoops Roads a

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Speaker 1: millions menstorship program. I pretty much started this menstorship program

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Speaker 1: during COVID. One of the things that I did while

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Speaker 1: we worshiped down was to film various courses that I

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Speaker 1: felt would be helpful to people who wanted to get

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Speaker 1: into entrepreneurship, who wanted to start saving and investing, who

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Speaker 1: wanted to get into restaurant ownership UM. And then also

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Speaker 1: during COVID, UM, I took the course myself to sharpen

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Speaker 1: my skills by a friend of my name, Marcus Barney.

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Speaker 1: He has this whole recession recession through family where he

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Speaker 1: teaches financial literacy, credit repair, UM, funding, business credit, things

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Speaker 1: of that nature. So UM, and just kind of pulling

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Speaker 1: all of that together and combining some of the things

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Speaker 1: that I've been teaching and questions I've been answering through

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Speaker 1: my business consultation to the past few years, I said, well,

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Speaker 1: let me kind of put together a mentorship program that

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Speaker 1: would encompass all of this information UM to be able

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Speaker 1: to help individuals with my platform UM get to the

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Speaker 1: point that they can be millionaires or get to the

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Speaker 1: point that they can reach their goals. And so that's

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Speaker 1: what it is that I'm doing. UM. It's a mentorship

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Speaker 1: program at last about four weeks. UM. It encompasses teaching

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Speaker 1: people how to invest, teaching people how to say UM,

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Speaker 1: teaching UH, fixing individuals credit UM, showing them how to

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Speaker 1: be a business credit, showing them how to get funding,

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Speaker 1: showing them how to start businesses, how to scale businesses.

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Speaker 1: Excuse me, UM, And there's a lot of one on

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Speaker 1: one with my mentee. So UM it's been a great program.

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Speaker 1: People have really really been and been enjoying it. UH.

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Speaker 1: Started off wanting to take about ten mentees a month,

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Speaker 1: kind of scale back, so they kind of became a

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Speaker 1: little overwhelming. So right now I kind of take on

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Speaker 1: about six to eight mentees per month. UM. And it's

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Speaker 1: a great program. People can find out more information about

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Speaker 1: it by going to my website at www dot who

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Speaker 1: is snoop dot com. If I could be you and

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Speaker 1: you could be me for just one hour, if you

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Speaker 1: could find a way to get inside each other's mind,

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Speaker 1: walcome Mile in my shoes. Welcome Mile in my shoes. Shoes.

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Speaker 1: We've all felt left out, and for some that feeling

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Speaker 1: last more than a moment. We can change that. Learn

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Speaker 1: how it belonging begins with us. Dot org brought to

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Speaker 1: you by the AD Council. Come out in machines. What

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Speaker 1: grows in the forest trees? Sure? No. What else grows

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Speaker 1: in the forest. Our imagination, our sense of wonder, and

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Speaker 1: our family bonds grow too, because when we disconnect from

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Speaker 1: this and connect with this, we reconnect with each other.

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Speaker 1: The forest is closer than you think. Find a forest

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Speaker 1: near you and start exploring. I Discover the Forest dot

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Speaker 1: org brought to you by the United States Forest Service

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Speaker 1: and the AD Council. Look for your children's eyes to

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Speaker 1: see the true magic of a forest. It's a storybook

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Speaker 1: world for them. You look and see a tree. They

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Speaker 1: see the wrinkled face of a wizard with arms outstretched

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Speaker 1: to the sky. They see treasure in pebbles, They see

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Speaker 1: a windy path that could lead to adventure, and they

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Speaker 1: see you. They're feelless. Guide, is this fascinating world? Find

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Speaker 1: a forest near you and start exploring and discover the

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Speaker 1: forest dot org brought to you by the United States

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Speaker 1: Forest Service and the Council. Well, here's the thing I'm

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Speaker 1: talking to Snoop Dealer. She has the owner of the dealer,

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Speaker 1: hospitality of the group if you're not aware, it's an

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Speaker 1: Atlanta based hospitality company that takes pride and delivering high

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Speaker 1: quality care and customer service. Let's talk about that. Let's

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Speaker 1: talk about this all started with a party bus, you know,

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Speaker 1: in the Atlanta way back in the day. And this

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Speaker 1: is an idea of stepping out on some people. Some

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Speaker 1: people use the word faith. Uh, you and I were

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Speaker 1: kind of like, we got faith, but we also are planners,

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Speaker 1: and we also have a budget tied to the plan.

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Speaker 1: So give people advice on that whole process because you know,

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Speaker 1: you know, prayers used a lot when people make a decision,

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Speaker 1: but also within that prayer, it has to be a

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Speaker 1: sense of reality, a sense of revenue that you can

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Speaker 1: generate out of your dream. And how do you put

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Speaker 1: your ideas together, especially in the early days of starting

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Speaker 1: your company and the building or I want to say

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Speaker 1: the word empire. I think it starts with number one,

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Speaker 1: first and foremost having a good plan, as you mentioned,

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Speaker 1: you know, and and when we talk about planning a

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Speaker 1: good business plan, you know a lot of people are

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Speaker 1: excuse me, starting businesses without even having a business plan. Um,

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Speaker 1: so it really starts there, you know, it starts with

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Speaker 1: having the business plan during the research UM, having good

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Speaker 1: mentorship no individuals that are in the line of work

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Speaker 1: that you're trying to get into or that have businesses

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Speaker 1: similar to what you're trying to do, UM, and really

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Speaker 1: studying and scaling those businesses and and putting the research

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Speaker 1: together with the grind and the hustle UM because a

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Speaker 1: lot of times people really don't research what it is

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Speaker 1: that they're trying to do and end up spending and

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Speaker 1: wasting a lot of money trying to learn along the way.

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Speaker 1: So UM, that's been a big thing for me. It's

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Speaker 1: just having great mentors UM and having good planning skills,

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Speaker 1: you know, UM. And also you know, having that funding,

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Speaker 1: you know, saving and having the finances UM to be

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Speaker 1: able to back up you know, those dreams and aspirations.

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Speaker 1: But an interesting thing when I when I sit down

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Speaker 1: and talk to Snoop dealer, is that there's always a

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Speaker 1: level of confidence but you and I would tell you

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Speaker 1: that I I don't understand balance. You know, you seem

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Speaker 1: to be able to understand, Hey, I can relax, I

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Speaker 1: can go on vacation, I celebrate with my friends. How

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Speaker 1: are you able to do that? Because I would tell

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Speaker 1: you I love you know, I tell people I love

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Speaker 1: the work. I love the bought the building and doing

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Speaker 1: COVID use at that restaurant. I bought the building. Okay,

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Speaker 1: So I bought into myself and believed in myself. And

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Speaker 1: one of the great business decisions I've made in the

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Speaker 1: past several years, how do you balance being able to

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Speaker 1: be exceptionally busy as an entrepreneur, but then also having

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Speaker 1: a family life, a social life, a life to be

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Speaker 1: able to know your friends and spend time with your friends.

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Speaker 1: Absolutely great question, Um. I think for me, I made

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Speaker 1: the decision a few years ago that it was just

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Speaker 1: something that I have to do because it's extremely important

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Speaker 1: to me. You know, I think that you know, we're

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Speaker 1: all here for a reason, and that you know when

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Speaker 1: we leave this earth. You know, we look at tombstones

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Speaker 1: and I've never walked by anyone tombstones that said a

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Speaker 1: great athlete, great business person, owner of such and such.

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Speaker 1: You know, it says mother, father, sister, orter, friend to whoever. Um,

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Speaker 1: And those are the relationships that I feel like are

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Speaker 1: most important that we need to make sure that we

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Speaker 1: make time for. So UM, it's definitely about having that

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Speaker 1: balance and scheduling those things and Uh. It used to

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Speaker 1: be a point in time where I would you know,

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Speaker 1: be up all night checking emails because in the midile

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Speaker 1: of the night emails working. And so I've decided that,

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Speaker 1: you know, I've got to have a cut off point

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Speaker 1: because there are things that are also important in life

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Speaker 1: that don't evolve around money. In business, well, it's to

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Speaker 1: before I get into the the good credit and credit

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Speaker 1: repair company, I want to talk about your charity organization.

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Speaker 1: And then I also want to talk about something that

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Speaker 1: African Americans really don't get into, is that the tourism

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Speaker 1: and travel business. And we know that's about to take

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Speaker 1: back off. Just this past weekend, cruise ships have been released.

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Speaker 1: They're starting to go back out into the waters and

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Speaker 1: travel of this world. I'm a big component of a friend,

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Speaker 1: a big fan of people doing cruises, especially black people.

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Speaker 1: They don't realize that you go out there, you get

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Speaker 1: your room, you get your food, you get your experience.

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Speaker 1: It's done. You know what I'm saying. It all inclusive.

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Speaker 1: So talk about first about your charity, and then we're

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Speaker 1: gonna go over into the tourism and travel agencies and

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Speaker 1: encompasses under d h G. Absolutely and so my charity

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Speaker 1: organization is Her Impact Foundation UM. And what we do

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Speaker 1: is we just try to help the community in any

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Speaker 1: way so that we can. So we have movements where

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Speaker 1: we feed the homeless UM and set up you know,

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Speaker 1: UM coalitions you know, with various organizations in the community

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Speaker 1: to be able to do that. We also help UM

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Speaker 1: kids you know that are going back to school that

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Speaker 1: aren't able to you know, whose parents aren't able to

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Speaker 1: provide you know, their school supplies and things of that nature. UM.

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Speaker 1: We've got a Friends Giving UH event that we do

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Speaker 1: which is also just based around during the Thanksgiving time UM,

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Speaker 1: feeding the community UM and giving back to some of

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Speaker 1: the homeless individuals. So UM definitely trying to focus a

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Speaker 1: lot of efforts and that UM. I was a single mother,

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Speaker 1: So we do a I do a diaper drive as

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Speaker 1: well once a year, and it's just UM basically you know,

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Speaker 1: getting donations you know of pampers UH and diapers and

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Speaker 1: donating those two mothers that are in need. UH. So

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Speaker 1: we do a lot of different, you know, combinations of

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Speaker 1: different efforts to give back to the community here in Atlanta, UM.

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Speaker 1: And then moving over to the travel UM leg of things.

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Speaker 1: So UM we're actually kind of in the works of

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Speaker 1: putting that together right now. But it's just helping individuals

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Speaker 1: to be able to see the world um and travel,

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Speaker 1: you know, UM and be able to you know, because

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Speaker 1: right now travel is so high. Last year it was

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Speaker 1: you know, they dropped prices on everything because not as

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Speaker 1: many people are traveling, and now that everything is kind

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Speaker 1: of opening back up, they're hitting everybody over the head.

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Speaker 1: So UM. But they do have programs where you can

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Speaker 1: get tickets on way oh way and things of that nature.

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Speaker 1: But a lot of people don't realize, you know, how

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Speaker 1: reasonable it can be, you know, to travel and just

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Speaker 1: what the importance of it is and being able to

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Speaker 1: have that culture UM and expand your mind a lot

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Speaker 1: of times, you know, as your eyes see things, um,

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Speaker 1: your mind expands um and it and it cultivates and

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Speaker 1: creates different dreams for you um and different goals that

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Speaker 1: you may want to reach. So I think everything is

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Speaker 1: all connected. Well, I know you do. I see a

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Speaker 1: future you know, talk going the type cruise in your future.

429
00:24:02,359 --> 00:24:05,000
Speaker 1: I know you, I know you. I know that you know,

430
00:24:05,160 --> 00:24:08,240
Speaker 1: just the party. But that's I started. That's just a

431
00:24:08,280 --> 00:24:12,040
Speaker 1: bigger version of that. Getting the travel and safe and

432
00:24:12,240 --> 00:24:15,399
Speaker 1: friends and family. Well, how how big you gonna go

433
00:24:15,560 --> 00:24:17,920
Speaker 1: with this now, because you never do anything small. It's

434
00:24:17,920 --> 00:24:20,800
Speaker 1: always in the smallest the planning stage. But once the

435
00:24:20,880 --> 00:24:24,680
Speaker 1: planning stags gome on, that come on. That the whole

436
00:24:24,760 --> 00:24:29,520
Speaker 1: process of getting African Americans out into the travel space.

437
00:24:29,600 --> 00:24:32,879
Speaker 1: And like you said, because of COVID, car rennods are

438
00:24:32,960 --> 00:24:36,360
Speaker 1: extremely high nowadays. You know, getting a good cars ridiculous,

439
00:24:36,600 --> 00:24:39,440
Speaker 1: especially begetting to the Florida area. So getting with the

440
00:24:39,520 --> 00:24:42,960
Speaker 1: travel agency or tourism organization that can protect you and

441
00:24:43,080 --> 00:24:45,640
Speaker 1: provide you with information. You really can't just jump out

442
00:24:45,680 --> 00:24:47,600
Speaker 1: there like you used to. You know, gas prices are

443
00:24:47,680 --> 00:24:50,680
Speaker 1: high in certain states, in certain places, parts of California's

444
00:24:50,720 --> 00:24:54,240
Speaker 1: five dollars a gallop in California. So that's the type

445
00:24:54,240 --> 00:24:57,920
Speaker 1: of information that that comes to your organization when people

446
00:24:57,960 --> 00:25:00,720
Speaker 1: come to you. It's like basically you protect people, providing

447
00:25:00,720 --> 00:25:02,600
Speaker 1: them with information that makes you steering them in the

448
00:25:02,720 --> 00:25:07,440
Speaker 1: right direction. Correct, absolutely, absolutely. Now let's talk about good

449
00:25:07,480 --> 00:25:11,720
Speaker 1: credit bad credit. Black people are notorious that we have

450
00:25:11,800 --> 00:25:14,920
Speaker 1: a history. I'm not saying we do, but we always

451
00:25:14,960 --> 00:25:17,720
Speaker 1: hear the jokes. You know, you you put your your

452
00:25:17,840 --> 00:25:20,720
Speaker 1: child's name or your on your own, your own your

453
00:25:20,800 --> 00:25:23,960
Speaker 1: gas bill or your light bill that your po child

454
00:25:24,320 --> 00:25:28,080
Speaker 1: grew up, they realized they got bad credit. We've we've

455
00:25:28,280 --> 00:25:31,240
Speaker 1: we've seen these stories. We've heard these stories and been

456
00:25:31,280 --> 00:25:33,280
Speaker 1: a part of this story. Depending on who's listening to

457
00:25:33,400 --> 00:25:37,280
Speaker 1: this interview. When you talk about good credit in your

458
00:25:37,320 --> 00:25:40,080
Speaker 1: repair company, to help that out, let's talk about what

459
00:25:40,240 --> 00:25:44,239
Speaker 1: exactly is good credit? Snoop, you know, good credit they

460
00:25:44,359 --> 00:25:46,520
Speaker 1: used to be a seventh twenty or better, but you

461
00:25:46,600 --> 00:25:49,560
Speaker 1: know they're staying it nowadays. That doesn't even set it um.

462
00:25:49,880 --> 00:25:52,760
Speaker 1: But you know, a good credit report. Number one is

463
00:25:52,800 --> 00:25:55,800
Speaker 1: at least you know, tend open positive accounts. He wrote

464
00:25:55,840 --> 00:26:00,000
Speaker 1: the rocket story. Accounts zero late marks zero. I'm saying

465
00:26:00,080 --> 00:26:03,639
Speaker 1: collections and only two to three inquiries, um, you know

466
00:26:03,800 --> 00:26:06,920
Speaker 1: over the past couple of years, um. And that could

467
00:26:06,920 --> 00:26:09,840
Speaker 1: be easily attainable, you know, just by hiring your credit

468
00:26:09,920 --> 00:26:11,920
Speaker 1: repair something and kind of show show you what it

469
00:26:12,080 --> 00:26:14,440
Speaker 1: is you need to do. Even a lot of people

470
00:26:14,520 --> 00:26:16,880
Speaker 1: that I know they have good credit, they don't even

471
00:26:16,920 --> 00:26:19,480
Speaker 1: know how they've gotten there, especially a lot of you know,

472
00:26:19,680 --> 00:26:22,240
Speaker 1: people from you know, our our older generations and things

473
00:26:22,280 --> 00:26:24,680
Speaker 1: of that nature. So I think it's so important to

474
00:26:24,800 --> 00:26:27,720
Speaker 1: have that literacy behind it because you know, it used

475
00:26:27,720 --> 00:26:30,840
Speaker 1: to be like cash is king, um and I still

476
00:26:30,960 --> 00:26:33,040
Speaker 1: believe that to this day. But hey, if you've got

477
00:26:33,119 --> 00:26:35,000
Speaker 1: good credit, you can keep a lot of that cash

478
00:26:35,119 --> 00:26:37,880
Speaker 1: in your pocket. Um. You know, and if if you've

479
00:26:37,920 --> 00:26:42,920
Speaker 1: got good credit personally, then you can build and established

480
00:26:42,960 --> 00:26:45,600
Speaker 1: the business credit. UM end up getting a lot of

481
00:26:45,680 --> 00:26:48,280
Speaker 1: things in their business name and they don't have to

482
00:26:48,520 --> 00:26:51,800
Speaker 1: go on your personal credit report um and affect your

483
00:26:51,840 --> 00:26:55,280
Speaker 1: debt to income ratio. So UM. I think it's probably

484
00:26:55,359 --> 00:26:57,479
Speaker 1: one of the most important things I'm doing right now

485
00:26:57,840 --> 00:27:00,119
Speaker 1: is you know, my credit repair business and help and

486
00:27:00,240 --> 00:27:03,720
Speaker 1: individuals be able to repair their credit because UM, a

487
00:27:03,800 --> 00:27:07,600
Speaker 1: lot of people's financial goals and dreams are based are

488
00:27:07,720 --> 00:27:11,040
Speaker 1: based around having a good credit score. UM. You know,

489
00:27:11,160 --> 00:27:13,399
Speaker 1: it's hard to buy at home if you don't have

490
00:27:13,480 --> 00:27:16,120
Speaker 1: a good good credit now, UM, it's hard to get

491
00:27:16,200 --> 00:27:18,159
Speaker 1: the dream car that you want if you don't have

492
00:27:18,359 --> 00:27:20,840
Speaker 1: good credit. You know, it's hard to start that business

493
00:27:21,280 --> 00:27:24,199
Speaker 1: if you don't have good credit. So UM, that's one

494
00:27:24,240 --> 00:27:27,280
Speaker 1: of the things that I took courses on and did

495
00:27:27,320 --> 00:27:30,560
Speaker 1: a lot of research on during the pandemic. UM. And

496
00:27:30,640 --> 00:27:33,160
Speaker 1: I'm using that information now to be able to teach

497
00:27:33,280 --> 00:27:38,920
Speaker 1: that to other entrepreneurs and just other individuals. It was

498
00:27:39,000 --> 00:27:40,840
Speaker 1: iNeST I would tell people for some reason when I

499
00:27:40,960 --> 00:27:43,960
Speaker 1: was eighteen years old, always protected my credit always. I

500
00:27:44,160 --> 00:27:48,840
Speaker 1: was always protective of paying my bills on time. Now,

501
00:27:49,640 --> 00:27:53,159
Speaker 1: when you when somebody comes to you your credit repair service,

502
00:27:53,400 --> 00:27:56,920
Speaker 1: you know they confused. Obviously is messed up. That's obviously

503
00:27:57,040 --> 00:27:59,840
Speaker 1: the case. One of the course of the steps in

504
00:28:00,200 --> 00:28:02,800
Speaker 1: and sitting down with a person and getting them pointed

505
00:28:02,840 --> 00:28:05,040
Speaker 1: in the right direction because they have to do something

506
00:28:05,080 --> 00:28:08,200
Speaker 1: to you know, because they wouldn't be sitting in front

507
00:28:08,240 --> 00:28:11,600
Speaker 1: of you if they didn't do it right. Okay, right, Um,

508
00:28:11,680 --> 00:28:13,399
Speaker 1: So one of the first steps for me is number one,

509
00:28:13,480 --> 00:28:15,560
Speaker 1: finding out what their goals are. You know, what are

510
00:28:15,600 --> 00:28:17,600
Speaker 1: your goals for your credit? Because you know, you can

511
00:28:17,640 --> 00:28:20,159
Speaker 1: fix somebody's credit, but you know, if they don't have

512
00:28:20,560 --> 00:28:22,280
Speaker 1: you know, the right amount of trade lines or the

513
00:28:22,440 --> 00:28:24,800
Speaker 1: right mix of credit, a lot of times it's still

514
00:28:24,880 --> 00:28:26,560
Speaker 1: hard for them to get what it is that they're

515
00:28:26,600 --> 00:28:29,680
Speaker 1: looking to obtain. So the first and foremost thing is

516
00:28:29,760 --> 00:28:33,200
Speaker 1: finding out what their goals are. Um. Secondly, um, it's

517
00:28:33,240 --> 00:28:36,240
Speaker 1: hoping to create a budget for them because as you mentioned,

518
00:28:36,280 --> 00:28:37,879
Speaker 1: there are still some things that they're gonna need to

519
00:28:37,960 --> 00:28:40,239
Speaker 1: do on their own, and they're gonna need to they

520
00:28:40,320 --> 00:28:42,520
Speaker 1: may have to pay some things down or whatever the

521
00:28:42,600 --> 00:28:46,280
Speaker 1: case may be. UM. Third, it's pulling their credit reports.

522
00:28:46,440 --> 00:28:49,480
Speaker 1: Um So, getting those three credit reports and seeing exactly

523
00:28:50,240 --> 00:28:52,760
Speaker 1: where it is that they are and what we need

524
00:28:52,840 --> 00:28:55,320
Speaker 1: to do, you know, whether it's getting things removed off

525
00:28:55,400 --> 00:28:58,560
Speaker 1: of their credit, whether it's paying some of our credit

526
00:28:58,640 --> 00:29:02,480
Speaker 1: cards down. I've got some people who come with decent

527
00:29:02,560 --> 00:29:05,360
Speaker 1: credit and they just need to know how to um

528
00:29:06,000 --> 00:29:08,560
Speaker 1: hi their utilization or they need to know how to

529
00:29:10,000 --> 00:29:13,520
Speaker 1: manufacture they're spending um so that they can get higher

530
00:29:13,640 --> 00:29:17,600
Speaker 1: credit limits. Um. So it's it's a wealth of different things.

531
00:29:17,720 --> 00:29:21,160
Speaker 1: Sometimes it's selling trade lines to individuals, are helping provide

532
00:29:21,200 --> 00:29:24,680
Speaker 1: them with trade lines so that they get more established

533
00:29:24,800 --> 00:29:29,120
Speaker 1: credit history, um. You know, to show their potential creditors.

534
00:29:29,200 --> 00:29:31,800
Speaker 1: So um it's a basic looking at it. And then

535
00:29:31,880 --> 00:29:34,440
Speaker 1: one thing that I offer is a free consultation. So

536
00:29:34,480 --> 00:29:38,120
Speaker 1: a lot of times people will go to credit repair

537
00:29:38,200 --> 00:29:40,680
Speaker 1: individuals and their fixed their credit, but they have no

538
00:29:40,880 --> 00:29:43,800
Speaker 1: information on how to keep that credit score up. Um.

539
00:29:43,880 --> 00:29:45,480
Speaker 1: And so that's one of the things that I teach

540
00:29:45,560 --> 00:29:47,440
Speaker 1: is just you know, how can you keep that credit

541
00:29:47,520 --> 00:29:51,360
Speaker 1: score up. Um, what is it that the credit bureaus

542
00:29:51,360 --> 00:29:54,000
Speaker 1: and the credit report agencies are looking at? How do

543
00:29:54,120 --> 00:29:57,080
Speaker 1: we get this scoore or what is this score comprised stuff?

544
00:29:57,200 --> 00:30:00,480
Speaker 1: So there's also some education that goes behind it as well.

545
00:30:01,000 --> 00:30:03,200
Speaker 1: But when we were as we wrapped up this call

546
00:30:03,400 --> 00:30:06,680
Speaker 1: and we talked about, you know, black people in general

547
00:30:06,760 --> 00:30:09,280
Speaker 1: trying to be mobile. We we've had the social movement,

548
00:30:09,920 --> 00:30:14,840
Speaker 1: we recognized as a credible part of this country and

549
00:30:15,280 --> 00:30:18,640
Speaker 1: and still being demonized because people don't want to acknowledge

550
00:30:18,680 --> 00:30:21,400
Speaker 1: that there is a problem. As as a as a

551
00:30:21,520 --> 00:30:24,840
Speaker 1: black business owner in the city of Atlanta, what are

552
00:30:24,880 --> 00:30:28,160
Speaker 1: the advantages that you are achieving and what are the

553
00:30:28,400 --> 00:30:32,320
Speaker 1: negatives that you're still having to overcome? Um. I think

554
00:30:32,400 --> 00:30:34,680
Speaker 1: some of the advantages just being in a black city,

555
00:30:34,720 --> 00:30:36,720
Speaker 1: a black city where when you go down to the

556
00:30:36,760 --> 00:30:39,480
Speaker 1: city hall, a lot of those individuals and officials that

557
00:30:39,520 --> 00:30:41,840
Speaker 1: are making decisions look just like you. They're the same

558
00:30:41,920 --> 00:30:44,800
Speaker 1: color as you are. Um, they're here is the same way,

559
00:30:44,920 --> 00:30:48,000
Speaker 1: et cetera. I just think that that is very very

560
00:30:48,120 --> 00:30:51,680
Speaker 1: helpful and very very inspiring, especially coming from a city

561
00:30:51,840 --> 00:30:54,440
Speaker 1: like Nashville, Tennessee. You know, I went to high school

562
00:30:54,480 --> 00:30:58,280
Speaker 1: and College in Nashville, Tennessee, originally from Detroit, and so um,

563
00:30:58,360 --> 00:31:01,640
Speaker 1: I've seen both side to the coin and how difficult

564
00:31:01,680 --> 00:31:04,600
Speaker 1: it can be when you don't live in a black city,

565
00:31:04,800 --> 00:31:06,840
Speaker 1: UM and you don't have the help of you know,

566
00:31:07,040 --> 00:31:10,600
Speaker 1: city hall and various council members and things of that nature.

567
00:31:11,240 --> 00:31:13,080
Speaker 1: I think some of the negatives is just some of

568
00:31:13,160 --> 00:31:16,480
Speaker 1: the influx of prime that we've seen here in Atlanta

569
00:31:16,560 --> 00:31:19,440
Speaker 1: due to covid UM and definitely was not like this

570
00:31:19,680 --> 00:31:22,160
Speaker 1: before the pandemic. We get a lot of people who

571
00:31:22,240 --> 00:31:25,080
Speaker 1: moved here from other cities, UM, A lot of people

572
00:31:25,120 --> 00:31:28,400
Speaker 1: who travel here, you know, from other cities, UM to

573
00:31:28,560 --> 00:31:30,840
Speaker 1: be able to take advantage of a lot of the

574
00:31:31,600 --> 00:31:34,760
Speaker 1: great things that we have here in Atlanta. UM. And

575
00:31:34,920 --> 00:31:40,200
Speaker 1: I think that we definitely need that uh revitalization and

576
00:31:40,280 --> 00:31:43,160
Speaker 1: reconstruction you know, down in city Hall. And it starts

577
00:31:43,240 --> 00:31:46,600
Speaker 1: with you know this this mayor race that you know

578
00:31:46,680 --> 00:31:48,960
Speaker 1: we're gonna have in the next four or five months.

579
00:31:49,040 --> 00:31:52,560
Speaker 1: So UM, I think that that's probably one of the

580
00:31:52,640 --> 00:31:57,640
Speaker 1: biggest negatives. Are really don't see too many outside of that. Hey,

581
00:31:57,720 --> 00:31:59,600
Speaker 1: you know, Atlanta is a great city and it's been

582
00:31:59,680 --> 00:32:02,760
Speaker 1: great and me so UM, I can't really come up

583
00:32:02,800 --> 00:32:05,040
Speaker 1: with too many negatives other than just some of the

584
00:32:05,120 --> 00:32:08,800
Speaker 1: things that we're battling down that we're due to the pandemic. Absolutely,

585
00:32:08,840 --> 00:32:11,760
Speaker 1: well stop, you know, always fantasy. First of all, I'm

586
00:32:11,760 --> 00:32:15,320
Speaker 1: happy to see the smile back. Okay. Secondly, I'm finally

587
00:32:15,360 --> 00:32:17,320
Speaker 1: gonna get to you on your restaurants and sit down

588
00:32:17,440 --> 00:32:19,600
Speaker 1: and eat with you and Dad, because you invited me

589
00:32:19,680 --> 00:32:22,680
Speaker 1: to a couple of testings taste testings, and I wasn't

590
00:32:22,680 --> 00:32:25,320
Speaker 1: able to make it. So that's my goal this year.

591
00:32:25,880 --> 00:32:28,719
Speaker 1: Congratulations are always success and I always keep me posting,

592
00:32:28,800 --> 00:32:31,520
Speaker 1: and I got album. I always gotta have my annual

593
00:32:32,040 --> 00:32:35,840
Speaker 1: you know, Snoop checking, Okay, it's stop check. Absolutely. I

594
00:32:35,880 --> 00:32:38,280
Speaker 1: appreciate you so much. It was so good to see

595
00:32:38,320 --> 00:32:40,360
Speaker 1: you this morning. Okay, Cool, you stay strong and we

596
00:32:40,440 --> 00:32:43,320
Speaker 1: talked soon, okay, Snoop alright, thank you. You have a

597
00:32:43,360 --> 00:32:45,400
Speaker 1: good one, okay. Cool. If you want to hear or

598
00:32:45,440 --> 00:32:47,880
Speaker 1: see any of my interviews on Money Making Conversations, please

599
00:32:47,880 --> 00:32:51,200
Speaker 1: go to money Making Conversation dot com. I'm with Sean McDonald.

600
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