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Speaker 1: Hey, hey, hey, we're black, we're brown ambush. I feel

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Speaker 1: like that didn't have the soul that it was supposed

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Speaker 1: to have, but you know it's close enough.

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Speaker 2: Hey, managa, we're in between seasons right now. You know,

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Speaker 2: it's like throws things off.

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Speaker 3: I get it, you know, I don't have the soul.

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Speaker 1: I feel like that was like it was rock salt

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Speaker 1: and not lowries. But you know, sometimes, you know, sometimes

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Speaker 1: you need salts, regular salt.

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Speaker 4: A little bit of salt. How are things going?

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Speaker 3: They're going good. I am planning like a fortieth birthday party.

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Speaker 1: Well, you know what, maybe I don't believe in dragging

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Speaker 1: our businesses, So I'm gonna leave a light down mine.

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Speaker 4: Wait dragging up?

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Speaker 3: What?

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Speaker 1: No, Because I've been planning a fortieth birthday party, which

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Speaker 1: could coincidentally is the same day as your your baby shower.

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Speaker 3: Solf.

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Speaker 4: I No, that's like a milestone. Are you gonna do

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Speaker 4: it up? Big?

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Speaker 3: Yeah?

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Speaker 1: Well, I'm just gonna because I feel like we're gonna

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Speaker 1: do like a housewarming slash forty years so because we

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Speaker 1: haven't had anyone really at the house. I mean people

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Speaker 1: have come by, but not like an official capacity, you know,

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Speaker 1: And so we had some vendors like you know, like,

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Speaker 1: because I not vendors, I'm trying not to be as

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Speaker 1: specific because I'm like she might listen.

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Speaker 3: And it didn't go well.

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Speaker 1: And it just was a really good, well, you know, athic,

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Speaker 1: I'm gonna say it. So we're testing out some different

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Speaker 1: people for food, and one of the vendors we had,

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Speaker 1: like her, their food was, you know, on the saltier side,

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Speaker 1: Like by saltier side, I mean like a seven out

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Speaker 1: of ten.

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Speaker 3: And so I gave a little feedback and it just.

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Speaker 1: Didn't see I don't know if she didn't realize, but

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Speaker 1: it was not really well received. And I thought, that's

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Speaker 1: what tastings are for, to say, And I said it

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Speaker 1: in like the most passive aggress the way it's possible

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Speaker 1: because you.

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Speaker 4: Know me, because we know you.

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Speaker 2: It took you like five minutes to come around to

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Speaker 2: what you wanted to say.

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Speaker 3: Just that I said it.

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Speaker 1: I was like, so, there are people in my family

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Speaker 1: that have diabetes, so we just want to be careful

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Speaker 1: about the sugar. So I named every illness that does

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Speaker 1: not exist, and then I got around the hypertension and said,

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Speaker 1: so we just want to be mindful about the salt.

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Speaker 3: That's how I did it like that.

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Speaker 1: I mean you would think, like I try to keep

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Speaker 1: it really light, but it wasn't well received.

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Speaker 3: And it's like instantly, energy like turned off.

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Speaker 1: She started watching TV instead of talking, and I was like,

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Speaker 1: what's happening?

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Speaker 3: Wait?

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Speaker 2: Were you did you go? Is this a friend or

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Speaker 2: did you go to the like went to the restaurant

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Speaker 2: for tasting?

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Speaker 1: Yeah, I just went to there with whatever restaurant they

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Speaker 1: were using for tasting. And I don't know, you know

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Speaker 1: how sometimes you she might not have even realized that

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Speaker 1: her energy turned off. So she might not have because

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Speaker 1: she was really friendly and amazing in the beginning.

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Speaker 3: But and I get it.

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Speaker 1: I don't know if she's a new business but I

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Speaker 1: know sometimes people it's like I'm an artist and I'm

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Speaker 1: sensitive about my ish.

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Speaker 2: Then you're in the service industry, the customer should be right.

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Speaker 1: It was so because so I came with a friend

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Speaker 1: of mine who's similar to like I always say I

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Speaker 1: have people in my life that are like either me

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Speaker 1: or like similar to like you Adrina.

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Speaker 3: Who were like, well you know what it is? What

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Speaker 3: it is?

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Speaker 1: I don't you know, like, and so I brought a

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Speaker 1: friend with like Rihanna with me, who was you know,

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Speaker 1: very much like I said what I said, I wasn't

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Speaker 1: rude about it, and so I was so like, Rihanna

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Speaker 1: was just watching me like tap dance.

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Speaker 3: Like because I was.

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Speaker 1: I was so comfortable that she was clearly upset and

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Speaker 1: I want.

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Speaker 3: Her to be happy. And I was like, Rihanna was

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Speaker 3: like we left.

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Speaker 1: She's like typically, I was like what, She's like what

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Speaker 1: I was like, I just feel really bad that she

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Speaker 1: she seemed to be upset. She's like, typically, you could

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Speaker 1: not have said it lighter, Like you literally could not

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Speaker 1: have said it. She's like, I'm looking at you like

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Speaker 1: you have family protection.

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Speaker 4: I was, this is your fortieth birthday. You need the

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Speaker 4: food to be on point, yes.

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Speaker 1: And she said that She's like, you were really kind.

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Speaker 1: You could not have said it lighter. She was like,

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Speaker 1: you know, I just some people just don't receive feedback

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Speaker 1: very well. And you know, but she's like it was

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Speaker 1: clear that she shut down. Like I said, it wasn't

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Speaker 1: she wasn't nasty, but it was very clear that she

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Speaker 1: just shut down. So I had me thinking to myself,

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Speaker 1: with one, have you even heard my feedback? Are you

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Speaker 1: going to come with salty food still? Or two, if

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Speaker 1: I give you feedback on the day of my party,

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Speaker 1: are you going to make it uncomfortable?

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Speaker 3: You know, because you know, some people don't mind.

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Speaker 1: They're like, whatever, girl, I said what I said, but

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Speaker 1: that's not me, And I'm like, I don't want to

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Speaker 1: have to bat all these emotions on like my big

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Speaker 1: fortieth birthday, you know. So yeah, but it was a

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Speaker 1: good lesson for like sometimes, like whenever that happens, I

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Speaker 1: always think, what's a good entrepreneur lesson in this?

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Speaker 3: And for me, the good lesson.

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Speaker 1: Was that sometimes you get feedback that feels uncomfortable and

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Speaker 1: you might subconsciously shut down. She probably didn't think, like

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Speaker 1: I said, she wasn't nasty, so I likely if I

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Speaker 1: were to share this feedback with her, she probably be like, no,

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Speaker 1: I didn't, So she probably didn't didn't think that she

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Speaker 1: had created a very uncomfortable environment. But it taught me

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Speaker 1: to like, Okay, Tiffany, this might happen where someone gives

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Speaker 1: you a couple of feedback and you might subconsciously shut down,

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Speaker 1: and to be mindful of creating energy and space where

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Speaker 1: people can tell you when something is not right. So yeah,

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Speaker 1: it was just really like when I tell you. It

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Speaker 1: was like dead silent. Are you gonna dropped the pin?

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Speaker 1: I was like, so guess we should leave.

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Speaker 4: So are you definitely using her as a caterer?

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Speaker 3: No?

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Speaker 4: Okay? I I was.

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Speaker 1: Like, well maybe if she we got to look at

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Speaker 1: me like, are you kidding me? Tiffany, I was like okay.

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Speaker 3: I was like, that's why I brought you.

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Speaker 1: I always need my like my you know, my friend

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Speaker 1: who is not afraid of like like you know, confrontation

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Speaker 1: to be like.

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Speaker 3: No, Tiffan A, so you're gonna use her? So that way.

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Speaker 1: I mean I've made decisions like that where I'm like,

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Speaker 1: this is an important day and because I didn't want

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Speaker 1: the person to be upset with them even though I

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Speaker 1: didn't like the service or the product, I've used it anyway,

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Speaker 1: and I'm like, Tiffany, it's.

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Speaker 3: Your big advanced age. We gotta break free.

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Speaker 1: Like so like sometimes people please and just take take

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Speaker 1: it to the next level.

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Speaker 2: So, oh, you're smart to bring people who have the

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Speaker 2: other side. I mean, it's not like you need to change.

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Speaker 2: I'm sure your people pleasing nature is why you're so

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Speaker 2: successful in other ways. So it's not like you need

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Speaker 2: to learn how to be a jerk. You just bring

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Speaker 2: the jerks.

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Speaker 1: With you, Like, you know what I said, what I said,

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Speaker 1: I wasn't rude because if you can stand in it,

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Speaker 1: because I knew I wasn't rude.

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Speaker 3: But I'm like, I hate that sense.

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Speaker 1: Of like I don't know, I'm like, Tiany, why are

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Speaker 1: you afraid she got to beat you up?

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Speaker 3: Like what is happening?

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Speaker 1: And so I just wish that's something that like I'm

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Speaker 1: really trying to work on to be like more assertive.

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Speaker 3: In this is what I like.

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Speaker 1: This is what I said, and I'm not saying it

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Speaker 1: in a rude way, but I am firm about it

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Speaker 1: because if I honestly, I'm not gonna lie. If I

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Speaker 1: went by myself, she probably would have had deposit.

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Speaker 2: Yeah, that's a good resolution for your fortieth, your fourth decade.

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Speaker 2: Own own your feelings and your opinions and don't don't

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Speaker 2: apologize for them.

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Speaker 4: A badass business lady, I know.

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Speaker 3: And yet I'm you know, you know it's a crazy

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Speaker 3: because you know what it is.

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Speaker 1: What I've learned about myself is that when it comes

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Speaker 1: to me, I'm like, ah, but let it be like

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Speaker 1: someone on the team, family, friends, whatever, Like it's a

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Speaker 1: different tipany. So I think the reason why it's like

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Speaker 1: it's because when I'm doing things for my audience, like

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Speaker 1: these are my dream catchers, like I'm very protective over

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Speaker 1: them and their journey, and so nothing stands in the

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Speaker 1: way of that. So when a bank or a brand

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Speaker 1: or whoever, I feel like it is doing something that

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Speaker 1: is not helpful and purposely harmful. So like a different

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Speaker 1: tipany comes out. So I think that's what it is,

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Speaker 1: is that I've learned that if I'm working in service

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Speaker 1: of others, oh, then all bets are off. But when

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Speaker 1: it comes to me personally, that's where I have a

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Speaker 1: hard time.

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Speaker 3: And that's why.

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Speaker 1: Honestly, I remember like a few episodes, not a few,

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Speaker 1: but probably like a year so ago, we talked about

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Speaker 1: the bully friend. Yes, right, and so like, I'm very

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Speaker 1: conscious now because I'd hired a bully friend and.

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Speaker 3: She was brilliant, but she was indeed a bully friend.

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Speaker 1: And I realize now that I'm really really careful because

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Speaker 1: I'm looking for a new admin and I interviewed a

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Speaker 1: few women and one of them gave me bully friend vibes.

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Speaker 3: I said, absolutely not. Now, Meanwhile, she was brilliant like

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Speaker 3: I could tell she was great, she would.

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Speaker 1: Have been awesome, but I also knew that there was

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Speaker 1: that little like inkling of she's a bully friend and

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Speaker 1: she's gonna make like her personality is going to make

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Speaker 1: you feel uncomfortable.

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Speaker 3: You're gonna be afraid to ask her things.

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Speaker 1: I can't have that in my admin, So I chose

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Speaker 1: someone instead that I knew that, you know, our personalities

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Speaker 1: where she was like really warm and welcoming, and that

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Speaker 1: even when I was like deferential, that she didn't take

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Speaker 1: advantage of that. And so I've learned that, like the

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Speaker 1: parts of my personality, I don't know that they'll change,

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Speaker 1: but I've also learned to offset it by not surrounding

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Speaker 1: myself with people that are going to put me in

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Speaker 1: a position to feel bullied, you know. So yeah, so

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Speaker 1: that's I mean, honestly, that's really I think why I've

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Speaker 1: like the business has done well is because when it

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Speaker 1: comes to other people, I'm a beast, but when it

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Speaker 1: comes to me, I'm like, so heard, you want to fight,

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Speaker 1: let's go.

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Speaker 2: Like that makes sense, that makes sense, I get it,

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Speaker 2: but still something to work on.

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Speaker 1: Yeah, it is definitely because I want to And now

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Speaker 1: I say I feel like that's why I like, I

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Speaker 1: look for people like you and Drina and Rihanna, because

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Speaker 1: I'm like, so teach me your ways.

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Speaker 2: Yeah, And then that's the reason my husband is the

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Speaker 2: one like Mandy put down the gloves, like it's not

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Speaker 2: the moment we would always This is a good example.

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Speaker 4: We went to see Hustlers this weekend and it was

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Speaker 4: pretty good. It was pretty good.

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Speaker 2: I love j Lo, like, I just feel like she's

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Speaker 2: so underrated. I want her to get all.

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Speaker 4: She never won.

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Speaker 2: Anything for Selena, which I think is a damn crime.

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Speaker 2: She doesn't have any Grammys. I'm just like, it's it's

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Speaker 2: appalling that we have not, you know, given her her due. Anyways,

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Speaker 2: so I'm happy that she's getting great reviews. But we

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Speaker 2: saw it and it was like a late Sunday night showing,

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Speaker 2: so it wasn't a pack theater. But there are these

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Speaker 2: girls who were just like yapping through the entire movie.

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Speaker 2: They got up and were talking to each other, and

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Speaker 2: I mean, I I really desperately wanted to say something

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Speaker 2: to them, like snarky or like, you know, get them

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Speaker 2: to be quiet. But then I thought, and I looked

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Speaker 2: at and Enrique. He knew what I was gonna do.

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Speaker 2: He's like, not today. We don't want to get in

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Speaker 2: a fight. These girls sound like they would fight you.

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Speaker 2: It's like you're pregnant. Let's just like let it go.

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Speaker 2: And I let it go. A younger Mandy may not

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Speaker 2: have let.

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Speaker 3: It go.

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Speaker 4: Because I like to poke the beast.

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Speaker 3: Yeah, that's so supermad.

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Speaker 1: I mean he's like, I mean he's pretty chill until

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Speaker 1: and so, but he's not like if we would have went,

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Speaker 1: he'd be like.

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Speaker 3: Oh, this was saucy. He would have just said it

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Speaker 3: and I would have looked at him like, but I find.

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Speaker 1: That people like, I feel like people respect that, like

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Speaker 1: you know that it's crazy because when you dance around it.

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Speaker 1: I feel like people like I found that when I'm

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Speaker 1: my most passive is when it brings out the aggression

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Speaker 1: in others more so, you know.

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Speaker 4: Yeah, it's like that, it's just a balance.

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Speaker 1: Yes and so like yeah, cause I remember, like it

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Speaker 1: wasn't until like I learned to stand up for myself.

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Speaker 1: When I was teaching preschool in Newark. It was like

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Speaker 1: my first year and I was such a punk and

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Speaker 1: the parents she used to treat me like tirash Like

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Speaker 1: I'd be.

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Speaker 3: Like oh, excuse me, miss ma'am. You really can't come.

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Speaker 3: Let shut up. I'm like, okay.

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Speaker 1: And then one day, one day, I was sick of

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Speaker 1: it and I told the biggest bad parent, I never

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Speaker 1: forget that year. I was like, it was like ten

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Speaker 1: o'clock and I think we didn't take kids past like

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Speaker 1: nine thirty, and but she was always late, like willfully late,

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Speaker 1: even though she lived across the street. And I was like,

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Speaker 1: and it was raining. I remember I had like the

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Speaker 1: little chain on the door. We had this big metal

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Speaker 1: door and I opened it and I was like, yeah,

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Speaker 1: bast year. So I told you that from now on,

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Speaker 1: you have to be here by nine thirty or you know,

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Speaker 1: your daughter Zanaya can't come, So see you tomorrow.

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Speaker 3: She's like, what open the door? I said, see you tomorrow, biz,

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Speaker 3: and I and see you tomorrow. This Tippy's gonna miss you.

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Speaker 4: Click close ooh savage?

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Speaker 1: Are you The other teachers looked at me like that's

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Speaker 1: how you're gonna start this. My heart was racing. I

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Speaker 1: was like, oh my gosh, she's gonna beat me up tomorrow.

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Speaker 1: I'm gonna die. My car is gonna be torched. Because

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Speaker 1: Basheer was like that parent like you could tell Baschier

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Speaker 1: spent all her high.

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Speaker 3: School years boxing and always right.

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Speaker 4: Yeah.

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Speaker 3: And so she came the next day and she came

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Speaker 3: at like nine twenty early. I opened the door. I

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Speaker 3: looked at her.

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Speaker 1: She said, miss Tiffany. I said yeah, she said, you

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Speaker 1: got that. I was mad at first, but you know what,

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Speaker 1: I'm wild disrespectful. I did say lead and I was like, okay.

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Speaker 3: But it taught me such a valuable lesson about standing

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Speaker 3: up for yourself.

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Speaker 1: And to this day, it's funny because she works at

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Speaker 1: city Hall and I was trying to get some permit

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Speaker 1: or something and it was she was there and she's like, oh,

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Speaker 1: let's go, comes to the front of the line and

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Speaker 1: we had a good key key and she was showing

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Speaker 1: me pictures of Zanayah, who is now like sixteen, which

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Speaker 1: makes me feel extra old.

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Speaker 3: I'm like, are you kidding me? Her?

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Speaker 4: Damn.

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Speaker 3: But it was just like such a good.

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Speaker 1: Lesson in standing up for myself, and like you know

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Speaker 1: that oftentimes it generate respect rather than whatever fearful thing

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Speaker 1: I'm waiting on. But yeah, I just remember thinking, well,

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Speaker 1: I guess I'll be fighting after school today.

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Speaker 3: All right, y'all. So it is time for one of

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Speaker 3: my favorite parts of the shows.

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Speaker 4: Cool.

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Speaker 1: You know what? It was funny because I remember I

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Speaker 1: took that picture with Usher and it looked like a

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Speaker 1: wax figure. Because I had gone to Atlanta to do

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Speaker 1: his Oh what is this thing called New Journey? He

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Speaker 1: has a nonprofit which of course I'm forgetting the name of,

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Speaker 1: and I went to go, like teach a session. I

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Speaker 1: can't see has like an annual kind of like calm

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Speaker 1: friends for the young people his nonprofit, So so I went.

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Speaker 1: I took a picture with him, but it was so

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Speaker 1: weird because in the picture he looks like a wax figure.

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Speaker 1: And someone in the comments and I just saw this

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Speaker 1: like last night and had me roll. And someone in

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Speaker 1: the comments said, did you tell him that you always

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Speaker 1: mess up his confession song for the question song?

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Speaker 3: I was like, I totally forgot that I do, so

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Speaker 3: this is out to us. These are our co questions.

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Speaker 1: I do also know the words, so I don't know

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Speaker 1: what to say. Well, she said, it would have me

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Speaker 1: rolling because I do keep messing up the confession song.

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Speaker 1: Either way, it's time for questions, and I am excited

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Speaker 1: because you guys always have amazing questions. If you like

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Speaker 1: to submit a question, Maddie will tell you how.

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Speaker 2: Yes, well, thank you, I'm sure will You can go

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Speaker 2: to brandabissionpodcast dot com. He'd ask us anything. To send

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Speaker 2: us a question, hit us up on Instagram at brand

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Speaker 2: Ambison Podcast. You can hit us up in our dms

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Speaker 2: there please be detailed but brief, or you can email

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Speaker 2: us directly at Brandambission Podcast at gmail dot com.

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Speaker 3: That car, do we have a bunch?

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Speaker 2: We have too many questions today, so I'm gonna save

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Speaker 2: some for next week. But hey, okay, I love some questions,

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Speaker 2: a lot of credit related questions too. Let's take this

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Speaker 2: one from our email inbox this week from listeners Chanel,

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Speaker 2: who says I've used a bunch of what I've learned

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Speaker 2: through this podcast to be successful during my home buying process.

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Speaker 2: My question is what's a good resource to find a

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Speaker 2: credit card for new homeowners. We have a couple of

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Speaker 2: things that we need to purchase, like our fridge, blinds, etc.

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Speaker 2: I want to use a rewards credit card so I

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Speaker 2: can reap some benefits. Help assist out Oooooo.

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Speaker 1: I think, actually, Mander, you had a really good credit

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Speaker 1: card that you guys used, right.

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Speaker 2: Yeah, right, So of course we can recommend some credit cards,

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Speaker 2: but read the fine print, read the terms and conditions

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Speaker 2: on the card, make sure that the right card for

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Speaker 2: you personally. When we were doing our renovation, we decided

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Speaker 2: to sign up with the City Double Cash card because

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Speaker 2: it was basically the max cash back you can get

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Speaker 2: on like any purchase, and there aren't that many cards

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Speaker 2: that have a flat cash back great on anything that

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Speaker 2: are higher than like one percent, so two percent was

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Speaker 2: the best we could do. And the way the City

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Speaker 2: Double Cash works is that it gives you one percent

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Speaker 2: cash back when you make the purchase, and it gives

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Speaker 2: you another one percent when you pay it off, so

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Speaker 2: you only get the full two percent if you're paying

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Speaker 2: off the card in full. We also took advantage of

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Speaker 2: a zero percent intro APR offer. I forget the name

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Speaker 2: of a credit card. It was a Chase card and

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Speaker 2: it was zero percent for twelve months or something like that,

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Speaker 2: and we use that for some larger purchases and we

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Speaker 2: just paid that off this summer, which felt great, and

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Speaker 2: that allowed us to have no interest for you know,

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Speaker 2: twelve months. The risk with those types of cards is

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Speaker 2: that often they have deferred interest clauses, which means if

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Speaker 2: we had left even like one dollar on that credit card.

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Speaker 2: After that promo period ended, they could have been like, oh,

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Speaker 2: you were charged interest this entire year, and we're going

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Speaker 2: to slap it on. We're going to slap it onto

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Speaker 2: your card right now.

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Speaker 4: So I was dead. I was adamant that we were

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Speaker 4: not going to, you know, let that happen. So that

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Speaker 4: was our strategy. Did you guys use any We did.

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Speaker 1: Honestly, looking back at it now, I wish I would

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Speaker 1: have gotten that credit card, like you said.

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Speaker 3: But oddly enough, so Superman was trying.

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Speaker 1: To convince me that we need to get a Home

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Speaker 1: Depot card, and I was like, no, we're down now down. No,

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Speaker 1: wa Actually, with the amount of money we spent at

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Speaker 1: Home Depot, we should have got we should have got

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Speaker 1: a Home Deeper card.

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Speaker 3: He was right. I just didn't think we were going

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Speaker 3: to need that much stuff from Home Deepot.

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Speaker 1: We got a I mean like just thousands of thousands

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Speaker 1: of dollars we spent at Home Depot during the renovation.

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Speaker 3: But I will say it wasn't like all I didn't.

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Speaker 3: It wasn't all for nothing.

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Speaker 1: So what I ended up using was our travel card

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Speaker 1: as like our as our go to credit card and

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Speaker 1: we whoo, let's just say my like, we have so

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Speaker 1: many trips spending because I also use my travel card

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Speaker 1: for marketing spend and I've got I mean, I could

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Speaker 1: go to Zimbabwe and stay like in the President's suite

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Speaker 1: at the President's house or as many points as we have,

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Speaker 1: so I mean, so it wasn't for nothing. But I

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Speaker 1: thinking about it now, because I use my travel card

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Speaker 1: for marketing, I really didn't need the additional travel points,

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Speaker 1: and I really wish I would have because you told

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Speaker 1: me about that card in the beginning, and honestly, I

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Speaker 1: wish I would have gone and gotten it because I

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Speaker 1: would have much rather the cash back than additional because

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Speaker 1: we have so many travel points now that like, I'm

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Speaker 1: just like my whole family just comes to me. They're like,

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Speaker 1: so I got a trip, now you got some points.

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Speaker 2: Well, those travel cards don't give you the same rate

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Speaker 2: for like a purchase at a department store or like

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Speaker 2: on furniture as they would on travel expenses. Like the

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Speaker 2: most lucrative travel cards really only give you the high

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Speaker 2: cash back rate if you're paying for travel purchases. So

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Speaker 2: that's what that's why we ended up getting the city

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Speaker 2: card because we knew we were only going to get

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Speaker 2: one percent back if we used our travel card.

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Speaker 4: Home depot card be looked at. I don't remember it.

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Speaker 2: Having any like cash back benefits. I think it's more

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Speaker 2: that it offers it offers different like financing options, like

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Speaker 2: zero percent or whatever, depending up. I don't think they

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Speaker 2: do like you guys could check, But I don't know

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Speaker 2: that they have like a cash back card. That'd be

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Speaker 2: nice though.

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Speaker 3: Yeah.

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Speaker 1: So so I say go with the card that Bandy suggests,

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Speaker 1: because it's just, I mean, cash bag.

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Speaker 3: You can't ever go wrong. Cash is queen.

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Speaker 4: Cash is queen.

441
00:19:12,119 --> 00:19:13,639
Speaker 2: And see if there's any you know, I'll put a

442
00:19:13,640 --> 00:19:15,760
Speaker 2: link to the Magnifying Money credit card tool. There's new

443
00:19:15,800 --> 00:19:18,359
Speaker 2: credit cards. I can't even keep up anymore all the time.

444
00:19:19,200 --> 00:19:20,760
Speaker 2: And one of the other reasons I love the City

445
00:19:20,800 --> 00:19:23,320
Speaker 2: Double Cash card is not it doesn't even exist anymore.

446
00:19:23,359 --> 00:19:25,639
Speaker 2: They got rid of this program where they were doing.

447
00:19:27,560 --> 00:19:28,280
Speaker 4: What do you call it?

448
00:19:28,840 --> 00:19:33,360
Speaker 2: No, I forget, oh baby brain no. A program basically

449
00:19:33,400 --> 00:19:36,119
Speaker 2: where if we made a purchase with our City Double

450
00:19:36,119 --> 00:19:39,240
Speaker 2: Cash card and the price dropped after we'd made the purchase,

451
00:19:39,280 --> 00:19:42,200
Speaker 2: they would actually go back and refund us. I remember

452
00:19:42,480 --> 00:19:44,439
Speaker 2: they got rid of that program. If you guys, notice

453
00:19:44,480 --> 00:19:46,760
Speaker 2: like some of the rewards cards out there have been

454
00:19:46,800 --> 00:19:49,720
Speaker 2: so lucrative and they're starting to scale back their programs

455
00:19:49,760 --> 00:19:52,280
Speaker 2: to make them well. They're very expensive for the companies

456
00:19:52,320 --> 00:19:54,320
Speaker 2: to keep up, so some of them have been scaling

457
00:19:54,320 --> 00:19:57,439
Speaker 2: them back, so they're not as lucrative as they used

458
00:19:57,480 --> 00:20:00,240
Speaker 2: to be. Sadly, but we took Hella advantage of that

459
00:20:00,320 --> 00:20:04,600
Speaker 2: perk while it was there. All right, cool, thank you, Chanel.

460
00:20:04,680 --> 00:20:06,399
Speaker 2: Good luck with the home buying per And just make

461
00:20:06,440 --> 00:20:08,480
Speaker 2: sure if you take out credit have the plan to

462
00:20:08,480 --> 00:20:10,400
Speaker 2: pay it back. You do not want to start your

463
00:20:10,400 --> 00:20:12,520
Speaker 2: home ownership journey with a ton of credit card debt

464
00:20:13,080 --> 00:20:15,359
Speaker 2: and be house poor and it's just going to be sad.

465
00:20:15,440 --> 00:20:18,520
Speaker 2: So take your time making if you don't have the

466
00:20:18,520 --> 00:20:20,200
Speaker 2: money to pay it off, just like take your time.

467
00:20:20,520 --> 00:20:23,120
Speaker 2: You don't need the fancy blinds or the fancy couch

468
00:20:23,200 --> 00:20:25,840
Speaker 2: right now, take your time getting that stuff over the

469
00:20:25,880 --> 00:20:27,000
Speaker 2: next few months if you can.

470
00:20:27,640 --> 00:20:29,960
Speaker 4: M Okay, who's next? Okay?

471
00:20:30,000 --> 00:20:34,840
Speaker 2: So we got a question from Instagram user whose name

472
00:20:34,920 --> 00:20:37,800
Speaker 2: is Tea T says, I need some advice. I have

473
00:20:37,840 --> 00:20:40,960
Speaker 2: a rental property that's increased in value. I paid ninety

474
00:20:41,000 --> 00:20:43,400
Speaker 2: eight thousand dollars, and the exact same type of house

475
00:20:43,400 --> 00:20:45,920
Speaker 2: in my neighborhood just sold for one hundred and thirty

476
00:20:46,000 --> 00:20:49,080
Speaker 2: nine thousand dollars. So I'm wondering should I sell my

477
00:20:49,080 --> 00:20:50,919
Speaker 2: rental property when of my tenants move out in a

478
00:20:50,920 --> 00:20:53,320
Speaker 2: few months. I'm planning to put in a new carpet

479
00:20:53,320 --> 00:20:55,320
Speaker 2: and lamit it flooring, as well as build a deck

480
00:20:55,400 --> 00:20:58,920
Speaker 2: on the back of the house. And that's it. Oh

481
00:20:58,960 --> 00:21:02,399
Speaker 2: and so her house is she's paid ninety eight thousand dollars,

482
00:21:02,480 --> 00:21:05,480
Speaker 2: she still owes ninety one thousand dollar mortgage. If you're

483
00:21:05,600 --> 00:21:07,880
Speaker 2: hundering so much. Was a recent purchase.

484
00:21:08,520 --> 00:21:12,040
Speaker 1: And so she's asking, and she after renovating the property,

485
00:21:12,040 --> 00:21:13,200
Speaker 1: if she should sell it.

486
00:21:13,200 --> 00:21:14,920
Speaker 2: Sounds like she wants to do a couple of upgrades,

487
00:21:14,960 --> 00:21:18,119
Speaker 2: new carpet, laminate flooring, and build a deck, and then

488
00:21:18,119 --> 00:21:20,080
Speaker 2: she wants to try and sell it because she's seen

489
00:21:20,119 --> 00:21:22,920
Speaker 2: this other house that she thinks is comparable that's sold

490
00:21:23,000 --> 00:21:25,960
Speaker 2: for nearly like forty thousand dollars more than what she

491
00:21:26,000 --> 00:21:26,879
Speaker 2: paid for her house.

492
00:21:27,560 --> 00:21:29,040
Speaker 1: Well, I'll say this, one of the things I learned

493
00:21:29,040 --> 00:21:32,720
Speaker 1: about like deeper renovations is that you don't you don't

494
00:21:32,760 --> 00:21:33,880
Speaker 1: get back dollar for dollar.

495
00:21:34,200 --> 00:21:36,159
Speaker 3: I thought that you did, and I was like, oh.

496
00:21:36,160 --> 00:21:39,240
Speaker 1: That's not true, not bro, So yeah, meaning that let's

497
00:21:39,240 --> 00:21:41,640
Speaker 1: just say the deck costs you ten thousand dollars, just

498
00:21:41,680 --> 00:21:44,720
Speaker 1: like for math's sake, right, and you think like, oh,

499
00:21:44,920 --> 00:21:47,160
Speaker 1: so now that's going to make my house worth ten

500
00:21:47,160 --> 00:21:51,239
Speaker 1: thousand dollars more new, and like maybe it'll make your

501
00:21:51,280 --> 00:21:53,120
Speaker 1: house be worth five thousand dollars more.

502
00:21:53,320 --> 00:21:55,919
Speaker 3: That's why people don't get that upgrades. You don't what

503
00:21:56,080 --> 00:21:57,520
Speaker 3: you put out for the upgrade.

504
00:21:58,160 --> 00:22:00,000
Speaker 1: Very rarely, if at all, do you ever get that

505
00:22:00,119 --> 00:22:03,560
Speaker 1: exact number back, like on a good like like on

506
00:22:03,600 --> 00:22:06,520
Speaker 1: a good trade, it's sixty percent back, like like Manny

507
00:22:06,520 --> 00:22:08,639
Speaker 1: and I both got like AC's in our house and

508
00:22:09,080 --> 00:22:13,199
Speaker 1: AC like Central AC or like a split system. You

509
00:22:13,440 --> 00:22:15,840
Speaker 1: it's pretty good, like you get like sixty to sixty

510
00:22:15,880 --> 00:22:17,679
Speaker 1: five percent back, but that's not one hundred percent. So

511
00:22:17,680 --> 00:22:21,240
Speaker 1: if you spend thirty thousand dollars on you know, because

512
00:22:21,240 --> 00:22:23,120
Speaker 1: that's like what you're looking at. If you're putting in

513
00:22:25,200 --> 00:22:28,680
Speaker 1: a split system for AC's in your home, you're looking anywhere.

514
00:22:28,800 --> 00:22:33,120
Speaker 1: It could be twenty thirty, sixty, seventy thousand dollars or more.

515
00:22:33,520 --> 00:22:35,840
Speaker 1: You're not going to get thirty thousand dollars back. Maybe

516
00:22:35,840 --> 00:22:38,520
Speaker 1: you'll get twenty. So just be mindful that if that

517
00:22:38,680 --> 00:22:42,439
Speaker 1: house is comparable to your house as it stands and

518
00:22:42,480 --> 00:22:45,280
Speaker 1: you're wanting to sell, I would not make I would

519
00:22:45,280 --> 00:22:48,320
Speaker 1: not except for like small things like paint.

520
00:22:48,200 --> 00:22:50,119
Speaker 3: And you know, things like that.

521
00:22:50,240 --> 00:22:53,800
Speaker 1: Yeah, but I wouldn't make these big changes because you're

522
00:22:53,840 --> 00:22:55,600
Speaker 1: not going to get that money back. Unless you're saying

523
00:22:56,040 --> 00:22:59,199
Speaker 1: that that that the other house has the deck and

524
00:22:59,240 --> 00:23:01,240
Speaker 1: all these other things, then that's what you're wanting to add.

525
00:23:01,280 --> 00:23:06,560
Speaker 1: But yeah, I mean renovating to the you know, because

526
00:23:06,600 --> 00:23:11,160
Speaker 1: also sound like pretty big renovations or moderate renovations. You're

527
00:23:11,200 --> 00:23:12,760
Speaker 1: not going to see that money back. And you might

528
00:23:12,840 --> 00:23:14,760
Speaker 1: just get your money back with the house as it

529
00:23:14,800 --> 00:23:19,200
Speaker 1: stands down And if your neighborhood is on the way up,

530
00:23:19,359 --> 00:23:21,280
Speaker 1: meaning like you know, you're watching month to month and

531
00:23:21,320 --> 00:23:23,240
Speaker 1: you saw I don't know how long you've had the house,

532
00:23:23,480 --> 00:23:26,440
Speaker 1: then you might want to wait, Like you is your

533
00:23:26,480 --> 00:23:31,359
Speaker 1: tenant paying the mortgage? If so, it's not necessarily costing

534
00:23:31,359 --> 00:23:33,920
Speaker 1: you anything. And there's a little bit of tax break,

535
00:23:33,960 --> 00:23:35,240
Speaker 1: not as much as there used to be, but there's

536
00:23:35,240 --> 00:23:37,119
Speaker 1: a little bit of a tax break So I don't know,

537
00:23:37,200 --> 00:23:39,720
Speaker 1: I probably, I mean, I don't know that I would

538
00:23:39,760 --> 00:23:43,800
Speaker 1: sell if it's making me money and and the neighborhood

539
00:23:43,840 --> 00:23:45,959
Speaker 1: is on its way up, because five years from now,

540
00:23:46,000 --> 00:23:49,520
Speaker 1: maybe you get you know, two hundred or two twenty

541
00:23:49,520 --> 00:23:50,320
Speaker 1: five for that house.

542
00:23:50,359 --> 00:23:53,600
Speaker 3: You're like, damn, I should have waited. So yeah, I'm wondering.

543
00:23:53,720 --> 00:23:56,399
Speaker 2: I'm wondering why she's other than the value of a

544
00:23:56,440 --> 00:23:58,960
Speaker 2: house being sold. Like I wonder if she needs some money,

545
00:23:59,160 --> 00:24:03,080
Speaker 2: or if she's looking to take this take the money

546
00:24:03,080 --> 00:24:06,080
Speaker 2: she earnso this house and flip it into another rental property.

547
00:24:06,280 --> 00:24:08,920
Speaker 1: Yeah, maybe, or like, let's just say this, if you're

548
00:24:08,920 --> 00:24:11,800
Speaker 1: putting it into the market, Say, for example, you do

549
00:24:11,920 --> 00:24:15,679
Speaker 1: the math of what percentage has the house grown in

550
00:24:15,800 --> 00:24:18,280
Speaker 1: value in what in that year? So let's just say

551
00:24:18,320 --> 00:24:22,320
Speaker 1: it's grown I don't know, you know, fifteen percent in

552
00:24:22,359 --> 00:24:25,160
Speaker 1: one year. I mean, that's better than the market.

553
00:24:25,200 --> 00:24:26,120
Speaker 4: That would be crazy.

554
00:24:26,520 --> 00:24:30,040
Speaker 3: Yeah, I'm just saying, you know, like, can I move there? Exactly?

555
00:24:30,119 --> 00:24:30,399
Speaker 3: But no.

556
00:24:30,480 --> 00:24:33,000
Speaker 1: But honestly, Mandy, I can tell you, like in Newark,

557
00:24:33,680 --> 00:24:37,480
Speaker 1: that's exactly what's happening. Because so Newark is for those

558
00:24:37,520 --> 00:24:39,800
Speaker 1: of you who like don't live in this area, of

559
00:24:39,840 --> 00:24:42,679
Speaker 1: the of the country. New York is super close to

560
00:24:42,720 --> 00:24:46,280
Speaker 1: New York, which is a really expensive place to live,

561
00:24:46,320 --> 00:24:48,639
Speaker 1: and people want to live next to New York because

562
00:24:49,480 --> 00:24:51,280
Speaker 1: that's what the funds that but also a lot of jobs.

563
00:24:51,680 --> 00:24:56,000
Speaker 1: And so what happened is Midtown, which is basically like

564
00:24:56,320 --> 00:24:59,960
Speaker 1: the like the hub of New York, is super expensive

565
00:25:00,359 --> 00:25:01,879
Speaker 1: and so people couldn't afford in the town. So they

566
00:25:01,880 --> 00:25:04,520
Speaker 1: started branching off the plants whose places like Harlem, which

567
00:25:04,560 --> 00:25:08,920
Speaker 1: is uptown like and so Harlem, these brownstones that these

568
00:25:08,960 --> 00:25:12,080
Speaker 1: older brown folks owned, they were buying them up for

569
00:25:12,200 --> 00:25:14,320
Speaker 1: pennies and now they were like two million dollars, like

570
00:25:14,320 --> 00:25:16,240
Speaker 1: literally they're buying them for ten thousand, and now they

571
00:25:16,280 --> 00:25:18,080
Speaker 1: worth two million, which is disheartening when you find out

572
00:25:18,119 --> 00:25:22,399
Speaker 1: so many people lost their homes to in that trade.

573
00:25:22,480 --> 00:25:24,840
Speaker 1: That was unfair. And then nobody used to want to

574
00:25:24,840 --> 00:25:26,840
Speaker 1: live in Brooklyn. It used to literally be Brooklyn has

575
00:25:26,880 --> 00:25:29,880
Speaker 1: a section called Bedstide. It would be Bedstide, do or die,

576
00:25:30,080 --> 00:25:33,960
Speaker 1: and you're likely to die. And now Bedside, they gave

577
00:25:34,000 --> 00:25:37,520
Speaker 1: it another name, is fancy and expensive and people can't

578
00:25:37,560 --> 00:25:40,440
Speaker 1: afford Brooklyn. And so as a result of New York

579
00:25:40,480 --> 00:25:44,200
Speaker 1: spreading out, now now they're looking over the water to Newark.

580
00:25:44,440 --> 00:25:48,359
Speaker 1: Who before think Newark, Think Oakland, think I'm trying to

581
00:25:48,400 --> 00:25:51,679
Speaker 1: think with some other places like oh, think Detroit. You know,

582
00:25:51,840 --> 00:25:54,280
Speaker 1: Like so Newark had that kind of connotation of being

583
00:25:54,320 --> 00:25:58,000
Speaker 1: economically depressed. But because people can't afford Manhattan, they can't

584
00:25:58,040 --> 00:26:00,760
Speaker 1: afford Harlem anymore, they can't affer Brooklyn. They've already moved

585
00:26:00,760 --> 00:26:03,040
Speaker 1: to Jersey City, which is even the closest kind of

586
00:26:03,080 --> 00:26:07,000
Speaker 1: like city in New Jersey to New York. Now they've

587
00:26:07,000 --> 00:26:09,800
Speaker 1: looked at Newark. And so when Superman and I were

588
00:26:09,800 --> 00:26:12,159
Speaker 1: looking two years ago, Mandy literally a house would be

589
00:26:12,240 --> 00:26:14,920
Speaker 1: on the market for two hundred thousand and it would

590
00:26:14,960 --> 00:26:16,320
Speaker 1: go for two fifty.

591
00:26:16,800 --> 00:26:18,400
Speaker 3: There was one three.

592
00:26:18,200 --> 00:26:22,880
Speaker 1: Family house that was fairly priced at two eighty and

593
00:26:22,920 --> 00:26:25,720
Speaker 1: we lost it to someone who bid three twenty.

594
00:26:26,440 --> 00:26:28,360
Speaker 3: And I was like, what I.

595
00:26:28,280 --> 00:26:30,399
Speaker 1: Mean, these were houses maybe two or three years prior

596
00:26:30,680 --> 00:26:32,359
Speaker 1: that you couldn't even get like, you know, one hundred

597
00:26:32,359 --> 00:26:34,120
Speaker 1: and fifty one hundred eighty thousand dollars for the house.

598
00:26:34,760 --> 00:26:39,159
Speaker 1: So there are sections of the country where because of

599
00:26:40,040 --> 00:26:43,960
Speaker 1: just big okay, it's gone. There are sections of the

600
00:26:43,960 --> 00:26:48,760
Speaker 1: country because of like just like it's just so expensive

601
00:26:48,800 --> 00:26:51,320
Speaker 1: to live here, that people are willing to move further

602
00:26:51,359 --> 00:26:53,280
Speaker 1: and further away from the desired place, which is New

603
00:26:53,359 --> 00:26:56,800
Speaker 1: York City. That like, housing costs are like jumping up,

604
00:26:56,880 --> 00:27:00,880
Speaker 1: like jumping beans. Honestly, So if you than someplace like that,

605
00:27:01,000 --> 00:27:03,600
Speaker 1: I would wait. But if you live someplace where it's

606
00:27:03,640 --> 00:27:05,040
Speaker 1: just creeping up and you're just like, I don't want

607
00:27:05,080 --> 00:27:07,040
Speaker 1: to deal with tenants anymore. I'm over it. I just

608
00:27:07,080 --> 00:27:08,880
Speaker 1: won't give you my money. Well, then get your money

609
00:27:08,920 --> 00:27:10,640
Speaker 1: and but invested someplace else.

610
00:27:11,359 --> 00:27:13,639
Speaker 2: Yeah, I agree, And I'll put a link actually use this.

611
00:27:13,720 --> 00:27:16,639
Speaker 2: There's like a website remodeling. I think it's I forget

612
00:27:16,640 --> 00:27:19,720
Speaker 2: the name of remodel something, but they put out annually

613
00:27:19,960 --> 00:27:22,880
Speaker 2: a list of like the ROI the return on investment

614
00:27:22,880 --> 00:27:25,480
Speaker 2: of certain how home improvement projects. And I think one

615
00:27:25,480 --> 00:27:27,359
Speaker 2: of the most like lucrative ones you can do is

616
00:27:27,400 --> 00:27:29,879
Speaker 2: replacing a garage door. Last time I read, it's like

617
00:27:29,960 --> 00:27:30,960
Speaker 2: random stuff like that.

618
00:27:31,160 --> 00:27:31,880
Speaker 4: Wow, that is.

619
00:27:33,960 --> 00:27:34,240
Speaker 1: OK.

620
00:27:34,880 --> 00:27:37,359
Speaker 2: Yeah, So I'll post the link in there. And you know,

621
00:27:37,480 --> 00:27:39,879
Speaker 2: especially if if you're selling to people who might want

622
00:27:39,880 --> 00:27:41,280
Speaker 2: to rent it out themselves, they're not going to want

623
00:27:41,280 --> 00:27:42,760
Speaker 2: to pay for a lot of upgrades, like they're going

624
00:27:42,800 --> 00:27:45,199
Speaker 2: to want the bare minimum so they can rent it

625
00:27:45,200 --> 00:27:48,880
Speaker 2: out as well. So yep, interesting, and congrats on having

626
00:27:48,880 --> 00:27:49,600
Speaker 2: a rental property.

627
00:27:49,600 --> 00:27:54,160
Speaker 4: That's cool. Goals goals, goals, goals. Yes, would you think

628
00:27:54,200 --> 00:27:55,800
Speaker 4: we're more sure?

629
00:27:56,119 --> 00:27:57,680
Speaker 3: Let's see, all.

630
00:27:57,640 --> 00:28:00,000
Speaker 2: Right, Thanks for your question, Tee. Here's another one from

631
00:28:00,119 --> 00:28:02,400
Speaker 2: the gram. I don't know how to pronounce this, let's

632
00:28:02,400 --> 00:28:05,800
Speaker 2: just go with Breezy. So Instagram user Breeze says, Hello,

633
00:28:05,840 --> 00:28:08,320
Speaker 2: I've got eleven thousand, five hundred dollars in credit card

634
00:28:08,320 --> 00:28:11,040
Speaker 2: debt and I just received five thousand dollars from a settlement.

635
00:28:11,400 --> 00:28:13,360
Speaker 2: Should I use it to pay off some credit card

636
00:28:13,440 --> 00:28:16,879
Speaker 2: debt to get my utilization below thirty percent? Or should

637
00:28:16,920 --> 00:28:18,680
Speaker 2: I use it? Or should I use a zero percent

638
00:28:18,760 --> 00:28:21,640
Speaker 2: transfer a balance transfer credit card to pay them off?

639
00:28:23,040 --> 00:28:23,399
Speaker 4: Thank you?

640
00:28:24,760 --> 00:28:27,960
Speaker 2: So five thousand dollars would knock out little less than

641
00:28:28,080 --> 00:28:32,639
Speaker 2: half of that eleven thousand dollars, so she wouldn't quite

642
00:28:32,720 --> 00:28:36,160
Speaker 2: get to thirty percent utilization.

643
00:28:36,960 --> 00:28:37,360
Speaker 3: Idea.

644
00:28:38,080 --> 00:28:39,480
Speaker 2: Is this the part where you ask her if she

645
00:28:39,480 --> 00:28:42,480
Speaker 2: has emergency savings?

646
00:28:41,040 --> 00:28:43,840
Speaker 4: I know where you're about to go.

647
00:28:45,920 --> 00:28:49,240
Speaker 3: You already know. I was like, oh, wait a minute,

648
00:28:49,280 --> 00:28:52,520
Speaker 3: back up, did you have yoh, Manny, that's so crazy.

649
00:28:52,520 --> 00:28:55,920
Speaker 1: I was literally thinking that Yes, I would say, Breezy, Breezy,

650
00:28:56,240 --> 00:28:59,240
Speaker 1: do you have emergency savings because it sounds like she

651
00:28:59,440 --> 00:29:02,880
Speaker 1: might not, so I would be hesitant to put all

652
00:29:02,920 --> 00:29:04,200
Speaker 1: this money toward debt.

653
00:29:04,800 --> 00:29:06,840
Speaker 2: Yeah, if you've got eleven grand and credit debt, it's

654
00:29:06,880 --> 00:29:08,880
Speaker 2: could be a sign that you have been turning to

655
00:29:08,960 --> 00:29:12,120
Speaker 2: credit every once in a while when you run short

656
00:29:12,120 --> 00:29:14,760
Speaker 2: on cash, and it's kind of become your emergency funds.

657
00:29:14,840 --> 00:29:17,920
Speaker 2: So tip's right, I mean, like putting that five thousand

658
00:29:17,960 --> 00:29:20,880
Speaker 2: dollars in the bank so you create emergency fund could

659
00:29:20,920 --> 00:29:24,560
Speaker 2: be one step. And then from there if your if

660
00:29:24,600 --> 00:29:26,200
Speaker 2: your credit is good. You don't mention what your credit

661
00:29:26,240 --> 00:29:29,080
Speaker 2: score is, but let's say it's above six eighty six seventy.

662
00:29:29,280 --> 00:29:31,280
Speaker 2: That's usually about what it takes to qualify for the

663
00:29:31,280 --> 00:29:34,640
Speaker 2: best zero percent interest balance transfer cards. Let's say you

664
00:29:34,680 --> 00:29:37,240
Speaker 2: can qualify for one of those, and you can transfer

665
00:29:37,280 --> 00:29:40,480
Speaker 2: your balances onto those cards that card and pay them

666
00:29:40,480 --> 00:29:43,160
Speaker 2: off slowly over time. That could be a great That

667
00:29:43,200 --> 00:29:46,600
Speaker 2: could be a smart strategy because then you can slowly

668
00:29:46,600 --> 00:29:49,160
Speaker 2: pay off that credit card debt and you have money

669
00:29:49,200 --> 00:29:52,800
Speaker 2: in the bank in case another unexpected you know, expense

670
00:29:52,960 --> 00:29:53,400
Speaker 2: pops out.

671
00:29:53,560 --> 00:29:56,760
Speaker 1: Path it I think that's probably the way. My only

672
00:29:56,800 --> 00:30:00,320
Speaker 1: concern is that if you I don't know how much

673
00:30:00,320 --> 00:30:03,000
Speaker 1: of the of what your limited for that with the

674
00:30:03,040 --> 00:30:05,760
Speaker 1: balance where you have the eleven thousand, so if you

675
00:30:05,800 --> 00:30:08,880
Speaker 1: are over thirty which well you say basically you are

676
00:30:08,920 --> 00:30:11,920
Speaker 1: over thirty percent, then my concern is that maybe your

677
00:30:11,920 --> 00:30:13,920
Speaker 1: credit score is going to be reflective of that, because

678
00:30:13,920 --> 00:30:17,680
Speaker 1: you know you're amounts old. It's thirty percent of your

679
00:30:17,680 --> 00:30:19,719
Speaker 1: credit score, so it's a significant a part of your

680
00:30:19,720 --> 00:30:22,720
Speaker 1: credit score is being negatively affected because you have a

681
00:30:22,760 --> 00:30:27,400
Speaker 1: balance over thirty percent of that credit card limits. So

682
00:30:27,480 --> 00:30:29,280
Speaker 1: that would just be my only concern that would she

683
00:30:29,520 --> 00:30:32,040
Speaker 1: qualify for a balanced transfer card?

684
00:30:32,040 --> 00:30:32,680
Speaker 3: But I mean I don't know.

685
00:30:32,840 --> 00:30:34,800
Speaker 1: I mean you might have some excellent other credit things

686
00:30:34,800 --> 00:30:36,600
Speaker 1: happening that this is offset by that.

687
00:30:37,920 --> 00:30:39,240
Speaker 3: So yeah, I would say Plan B.

688
00:30:40,440 --> 00:30:41,640
Speaker 1: You know, you don't have to say if you don't

689
00:30:41,640 --> 00:30:45,200
Speaker 1: feel comfortable saving the whole five thousand, fine, But if

690
00:30:45,240 --> 00:30:49,520
Speaker 1: you don't have a yes emergency savings, then you're going

691
00:30:49,560 --> 00:30:51,240
Speaker 1: to be right back in debt because you're an adult,

692
00:30:51,600 --> 00:30:54,480
Speaker 1: and then things happen unexpectedly to adults, and if you

693
00:30:54,520 --> 00:30:57,520
Speaker 1: don't have the cash to handle what happens unexpectedly, you're

694
00:30:57,560 --> 00:31:00,320
Speaker 1: just going to end up swiping your card again anyway, yep.

695
00:31:01,000 --> 00:31:04,000
Speaker 2: And with that easier percent interest promotion period, even for

696
00:31:04,040 --> 00:31:07,480
Speaker 2: a balance transfer, just beware that it may have a

697
00:31:07,560 --> 00:31:09,640
Speaker 2: deferred interest clause, which means if you don't pay it

698
00:31:09,680 --> 00:31:12,840
Speaker 2: off one hundred percent before that twelve month or eighteen

699
00:31:12,880 --> 00:31:15,320
Speaker 2: month periods over, they could just slap you with all

700
00:31:15,320 --> 00:31:19,200
Speaker 2: the interest all over again. So have a plan, you know,

701
00:31:19,280 --> 00:31:22,000
Speaker 2: be realistic. Can you actually make enough payments throughout the

702
00:31:22,080 --> 00:31:24,240
Speaker 2: year to pay it off before the promo period ends.

703
00:31:24,280 --> 00:31:28,320
Speaker 2: And another option besides balanced transfer is if you don't

704
00:31:28,320 --> 00:31:30,320
Speaker 2: feel confident one if you can't get approved for a

705
00:31:30,320 --> 00:31:32,040
Speaker 2: balanced transfer, or too if you don't think you have

706
00:31:32,080 --> 00:31:34,720
Speaker 2: the confident that you can pay you know, that much

707
00:31:34,760 --> 00:31:37,600
Speaker 2: money over the course of however many months to pay

708
00:31:37,600 --> 00:31:41,360
Speaker 2: it off in full before the promotion period ends. You

709
00:31:41,400 --> 00:31:44,040
Speaker 2: could also look at consolidating your credit card debt with

710
00:31:44,080 --> 00:31:47,760
Speaker 2: a personal loan, especially if you can get a personal

711
00:31:47,840 --> 00:31:50,840
Speaker 2: loan that has a lower APR than what your credit

712
00:31:50,840 --> 00:31:53,560
Speaker 2: cards may offer you. And with a personal loan you

713
00:31:54,120 --> 00:31:57,880
Speaker 2: have a fixed monthly payment a fixed term, there's no

714
00:31:58,240 --> 00:32:00,800
Speaker 2: risk of having deferred interest get you know, getting hit

715
00:32:00,840 --> 00:32:03,480
Speaker 2: with that if you don't pay it off, because they

716
00:32:03,520 --> 00:32:05,160
Speaker 2: create a plan for you to pay it off in

717
00:32:05,200 --> 00:32:06,080
Speaker 2: a certain amount of time.

718
00:32:07,400 --> 00:32:13,440
Speaker 4: So that's another another option for you. And hopefully that

719
00:32:13,520 --> 00:32:14,040
Speaker 4: was helpful.

720
00:32:14,520 --> 00:32:16,360
Speaker 2: Thank you very much for your question, Miss Breezy.

721
00:32:17,280 --> 00:32:20,200
Speaker 4: Yes Breezy, sorry for I just made that up. I'm

722
00:32:20,200 --> 00:32:23,120
Speaker 4: sorry for mispronounced your actual name. My bad.

723
00:32:39,600 --> 00:32:43,760
Speaker 3: Now it's time for boothe their break for all our family.

724
00:32:44,440 --> 00:32:48,920
Speaker 3: Will you booze? Will you break? Are you gonna boost

725
00:32:48,920 --> 00:32:51,520
Speaker 3: their break? Mandy?

726
00:32:51,880 --> 00:32:53,360
Speaker 1: You saw that repicks at the end because I'm like,

727
00:32:53,360 --> 00:32:56,240
Speaker 1: you know what I'm gonna sway. You know, I'm someone

728
00:32:56,280 --> 00:32:57,840
Speaker 1: you know I can't always do the same.

729
00:32:58,000 --> 00:32:59,960
Speaker 2: That's like when you're that's like when you're in the club,

730
00:33:00,080 --> 00:33:01,640
Speaker 2: been your showing off thing in the words and it's

731
00:33:01,640 --> 00:33:03,440
Speaker 2: the remix and you like, don't know the remix yet

732
00:33:03,480 --> 00:33:07,400
Speaker 2: because I was ready to like break it. Oh oh,

733
00:33:07,920 --> 00:33:10,520
Speaker 2: I don't know the words. I'm going to do a

734
00:33:10,600 --> 00:33:14,280
Speaker 2: break this week because it's been driving me a little nuts.

735
00:33:14,280 --> 00:33:16,600
Speaker 2: So I'm going to take a break from engaging with

736
00:33:16,640 --> 00:33:20,000
Speaker 2: the rumor mill at the office. Whether it can be

737
00:33:20,080 --> 00:33:23,480
Speaker 2: about anything you know about someone's personal business or about

738
00:33:23,480 --> 00:33:27,200
Speaker 2: someone's professional business, but I'm just at a point where

739
00:33:27,240 --> 00:33:30,760
Speaker 2: I just feel like there's people, certain people in offices

740
00:33:30,800 --> 00:33:34,880
Speaker 2: that really get off on like gossiping and spreading rumors

741
00:33:34,960 --> 00:33:37,880
Speaker 2: or not just even spreading rumors, but just like engaging

742
00:33:38,400 --> 00:33:41,600
Speaker 2: in rumors or trying to start rumors, and it's just

743
00:33:41,640 --> 00:33:44,520
Speaker 2: so much loss. It's like wasted energy because it can

744
00:33:44,560 --> 00:33:46,920
Speaker 2: cause people to stress out about things that don't even

745
00:33:47,440 --> 00:33:49,960
Speaker 2: that aren't even going to happen, or it can cause

746
00:33:49,960 --> 00:33:52,040
Speaker 2: people to feel bad about things that may not even

747
00:33:52,080 --> 00:33:52,520
Speaker 2: be true.

748
00:33:53,040 --> 00:33:55,160
Speaker 4: And I feel like.

749
00:33:56,120 --> 00:33:58,560
Speaker 2: As adults, we should just as much as you can

750
00:33:59,160 --> 00:34:03,000
Speaker 2: avoid And honestly, as a manager, vermer mills drive me

751
00:34:03,080 --> 00:34:09,160
Speaker 2: nuts because I feel like they undermine sometimes like as

752
00:34:09,160 --> 00:34:10,919
Speaker 2: a manager, you don't always want to tell you don't

753
00:34:10,960 --> 00:34:13,400
Speaker 2: you can't always tell people exactly what's going on because

754
00:34:13,400 --> 00:34:15,920
Speaker 2: you don't want to get people and I and I

755
00:34:15,960 --> 00:34:19,279
Speaker 2: purposefully do this. I'll withhold information if I'm worried that

756
00:34:19,800 --> 00:34:22,120
Speaker 2: there's not enough information, and it can just cause more

757
00:34:22,200 --> 00:34:26,399
Speaker 2: uncertainty because that will just like vermur Mills live on uncertainty.

758
00:34:26,600 --> 00:34:29,440
Speaker 2: They thrive on like the not having the full information.

759
00:34:29,560 --> 00:34:32,560
Speaker 2: So I'll like purposefully wait if I know there's like

760
00:34:32,600 --> 00:34:35,080
Speaker 2: people who gossip on the team because I don't want

761
00:34:35,120 --> 00:34:39,000
Speaker 2: to give them any fuel to flame fires of you know,

762
00:34:39,200 --> 00:34:42,680
Speaker 2: uncertainty or questioning you know what the bigger mission is.

763
00:34:42,719 --> 00:34:46,600
Speaker 2: So that's my break. I don't know if I'll ever

764
00:34:46,680 --> 00:34:50,560
Speaker 2: cure office gossip. Probably not, but it kind of just

765
00:34:50,640 --> 00:34:51,239
Speaker 2: drives me nuts.

766
00:34:52,080 --> 00:34:55,160
Speaker 3: There's there's like this. It's funny. It's like a gospel

767
00:34:55,320 --> 00:34:58,600
Speaker 3: rendition where it's like mind of business. Have you seen it?

768
00:34:59,280 --> 00:35:05,280
Speaker 3: Mind Business? It's hilarious. It's like mind business.

769
00:35:05,480 --> 00:35:08,560
Speaker 1: It's a gospel choir but singing like what you got

770
00:35:08,560 --> 00:35:11,959
Speaker 1: a mind to business? But it's hilarious and I think

771
00:35:12,560 --> 00:35:13,480
Speaker 1: everyone should do so.

772
00:35:13,640 --> 00:35:14,840
Speaker 3: And it's funny. Used to say that because I was

773
00:35:14,880 --> 00:35:17,840
Speaker 3: watching Joe Ostine last Sunday.

774
00:35:17,920 --> 00:35:20,040
Speaker 1: It was weird because I like literally went to sit

775
00:35:20,080 --> 00:35:21,000
Speaker 1: in the bed and like turned on.

776
00:35:21,080 --> 00:35:22,560
Speaker 3: I'm like, God, are you trying to tell me something?

777
00:35:22,760 --> 00:35:25,400
Speaker 1: And he came on and that one the one of

778
00:35:25,440 --> 00:35:28,759
Speaker 1: his closing messages was basically he literally said, mind your business.

779
00:35:28,880 --> 00:35:31,440
Speaker 3: I was like, oh, Joelah spicy this Sunday.

780
00:35:32,719 --> 00:35:36,480
Speaker 1: Yeah, It's it's very easy to get cart especially in

781
00:35:36,520 --> 00:35:38,880
Speaker 1: the social media world, you know, like the way we

782
00:35:38,920 --> 00:35:41,560
Speaker 1: live in social media, sometimes people take that offline, especially

783
00:35:41,600 --> 00:35:43,799
Speaker 1: as if they have access. Remember I told you that

784
00:35:44,320 --> 00:35:47,560
Speaker 1: a friend of a friend was like, ooh, Timmy doesn't

785
00:35:47,560 --> 00:35:50,480
Speaker 1: post by her husband like she used to, and like

786
00:35:50,520 --> 00:35:51,560
Speaker 1: I hope everything's okay.

787
00:35:51,840 --> 00:35:53,040
Speaker 3: She don't hope everything's.

788
00:35:52,719 --> 00:35:56,240
Speaker 1: Okay, Like you don't even know, you don't think okay,

789
00:35:56,400 --> 00:35:58,560
Speaker 1: that's just nosy, but you know, And the truth is,

790
00:35:58,600 --> 00:36:00,520
Speaker 1: I never I didn't even realize I had not posted

791
00:36:00,680 --> 00:36:03,040
Speaker 1: a supermanagement. I guess the truth is I don't engage

792
00:36:03,080 --> 00:36:04,600
Speaker 1: in social media like I used to. I used to

793
00:36:04,680 --> 00:36:07,440
Speaker 1: like live on social when I was really building my business,

794
00:36:07,480 --> 00:36:10,160
Speaker 1: and now I have a team that largely manages it.

795
00:36:10,280 --> 00:36:11,840
Speaker 3: So of course they're not posting my husband.

796
00:36:12,560 --> 00:36:15,839
Speaker 1: But we talked about Superman and Enrique all the time

797
00:36:15,920 --> 00:36:18,600
Speaker 1: here on the podcast, so it's not you know, but

798
00:36:18,680 --> 00:36:21,040
Speaker 1: I just thought that that was funny that, like, you know,

799
00:36:21,080 --> 00:36:24,560
Speaker 1: And it was funny because I posted for our second anniversary.

800
00:36:24,560 --> 00:36:26,160
Speaker 1: I posted, like, you know, just a quick like oh

801
00:36:26,440 --> 00:36:29,040
Speaker 1: second anniversary, love you babe. And then someone who listens

802
00:36:29,080 --> 00:36:31,319
Speaker 1: to Brown Ambition she wrote like, girl, you ain't have

803
00:36:31,360 --> 00:36:36,000
Speaker 1: to post this for hart like she could find it.

804
00:36:36,120 --> 00:36:37,320
Speaker 3: I love our listeners.

805
00:36:37,360 --> 00:36:41,799
Speaker 1: They're like, so yes, minding your business costs nothing. I mean,

806
00:36:41,840 --> 00:36:44,280
Speaker 1: we all could be a little nosy sometimes, but honestly,

807
00:36:44,360 --> 00:36:47,000
Speaker 1: it's really to your detriment when you mind someone else's business,

808
00:36:47,040 --> 00:36:50,760
Speaker 1: because you're taking away energy and time and effort from

809
00:36:50,760 --> 00:36:52,759
Speaker 1: some things that you can use to to grow your

810
00:36:52,800 --> 00:36:53,360
Speaker 1: own self.

811
00:36:54,560 --> 00:36:58,440
Speaker 2: Yep, all right, what about you booster break, I'm.

812
00:36:57,840 --> 00:37:00,000
Speaker 1: Gonna honestly, this is just random, but I'm gonna brand

813
00:37:00,520 --> 00:37:02,400
Speaker 1: I am so I don't know what's going on with Facebook,

814
00:37:02,440 --> 00:37:04,960
Speaker 1: so if anybody's a techie, so I was supposed to

815
00:37:04,960 --> 00:37:08,480
Speaker 1: go live, So I'm a what do they call it?

816
00:37:08,520 --> 00:37:09,240
Speaker 3: A brand?

817
00:37:10,080 --> 00:37:13,840
Speaker 1: And no, I'm financial wellness brand ambassador. I think that

818
00:37:13,880 --> 00:37:17,560
Speaker 1: they called me for Prudential Financial, which I love because

819
00:37:17,600 --> 00:37:20,720
Speaker 1: so many financial companies don't get that financial wellness should

820
00:37:20,760 --> 00:37:24,640
Speaker 1: be the should be the like the goal not having

821
00:37:24,640 --> 00:37:27,000
Speaker 1: a certain amount of money. As a prudential is really

822
00:37:27,040 --> 00:37:29,319
Speaker 1: starting to come around and understand that so much, so

823
00:37:29,400 --> 00:37:31,719
Speaker 1: they have this whole they have this whole push towards

824
00:37:31,760 --> 00:37:34,200
Speaker 1: financial wellness and how can we help you beyond just

825
00:37:34,640 --> 00:37:37,359
Speaker 1: retirement and insurance, but like, how can you be okay

826
00:37:37,400 --> 00:37:39,520
Speaker 1: as a person and how can you use your finances

827
00:37:39,560 --> 00:37:41,640
Speaker 1: to help support how you want to show up in

828
00:37:41,640 --> 00:37:42,000
Speaker 1: this world.

829
00:37:42,000 --> 00:37:45,200
Speaker 3: So I love being this brand ambassador for Prudential.

830
00:37:45,239 --> 00:37:47,759
Speaker 1: But anyway, I was supposed to go live because they

831
00:37:47,840 --> 00:37:51,120
Speaker 1: sponsored like a live class.

832
00:37:51,280 --> 00:37:52,799
Speaker 3: It was like, okay, this is It was like five

833
00:37:52,840 --> 00:37:53,839
Speaker 3: things to do to.

834
00:37:53,840 --> 00:37:58,000
Speaker 1: Prepare before the five things to do to prepare before

835
00:37:58,400 --> 00:38:00,440
Speaker 1: the new year, financially prepare the new year.

836
00:38:00,440 --> 00:38:02,719
Speaker 3: So I was excited. Supposed to go live. Click the

837
00:38:02,719 --> 00:38:03,640
Speaker 3: live button on my computer.

838
00:38:03,719 --> 00:38:06,920
Speaker 1: It says camera cannot connect and I was like what,

839
00:38:07,600 --> 00:38:10,120
Speaker 1: So I'm trying everything. So now I'm sweating bullets. Uh

840
00:38:10,239 --> 00:38:12,319
Speaker 1: you know, And I tried everything and it wouldn't work.

841
00:38:12,680 --> 00:38:14,399
Speaker 1: And I mean I got on the phone with every

842
00:38:14,400 --> 00:38:17,080
Speaker 1: tech person I could find. We ran through every single

843
00:38:17,120 --> 00:38:17,960
Speaker 1: scenario and.

844
00:38:17,880 --> 00:38:20,440
Speaker 3: It still doesn't work. So my brown break is like

845
00:38:20,520 --> 00:38:21,520
Speaker 3: freak and taken day.

846
00:38:21,760 --> 00:38:22,600
Speaker 1: I don't know.

847
00:38:22,840 --> 00:38:24,080
Speaker 3: So I'm supposed to go live tonight.

848
00:38:24,440 --> 00:38:26,040
Speaker 1: I'm gonna just do it for my phone, which is

849
00:38:26,080 --> 00:38:28,439
Speaker 1: not ideal because who wants to hold their phone because

850
00:38:28,719 --> 00:38:30,279
Speaker 1: I'm like a handsy person. I don't know if you

851
00:38:30,280 --> 00:38:31,719
Speaker 1: guys can tell. I know you can't hear me, but

852
00:38:31,880 --> 00:38:33,840
Speaker 1: even now I'm using my hands. I'm like, you know,

853
00:38:33,920 --> 00:38:37,920
Speaker 1: used to it to talk. But yeah, I just sometimes

854
00:38:38,000 --> 00:38:43,400
Speaker 1: it's like technology. Man, it's so convenient. It's inconvenient. But

855
00:38:43,440 --> 00:38:49,040
Speaker 1: if anyone is super tachy send me an Instagram, it'll.

856
00:38:48,840 --> 00:38:50,799
Speaker 4: Be too late tomorrow.

857
00:38:51,239 --> 00:38:53,479
Speaker 1: Well here's the thing, like in just in general, because

858
00:38:53,480 --> 00:38:55,399
Speaker 1: I go live like on Facebook and you know, all

859
00:38:55,400 --> 00:38:57,439
Speaker 1: the time, but I would say at least every month

860
00:38:57,560 --> 00:38:59,680
Speaker 1: or so, and so I don't know randomly why I can't.

861
00:38:59,680 --> 00:39:01,480
Speaker 3: So if someone's like, oh my gosh, I remember when

862
00:39:01,520 --> 00:39:02,799
Speaker 3: that happened to me, it's because of this.

863
00:39:03,320 --> 00:39:05,520
Speaker 1: I'm using Google Chrome. I reached out on my computer.

864
00:39:05,840 --> 00:39:07,799
Speaker 1: I cleared the history and the cookies and the cash

865
00:39:07,800 --> 00:39:09,680
Speaker 1: see and all that kind of stuff. Yes, I have

866
00:39:09,960 --> 00:39:13,440
Speaker 1: allowed like there's this button where you can allow Facebook

867
00:39:13,440 --> 00:39:15,440
Speaker 1: to have access to your computer and your microphone.

868
00:39:15,440 --> 00:39:17,239
Speaker 3: I did all of that. I did it all.

869
00:39:18,280 --> 00:39:20,920
Speaker 1: I did it all, and I still it's still not working.

870
00:39:20,960 --> 00:39:24,280
Speaker 1: So it's just frustrating. So that's my brown break because

871
00:39:24,280 --> 00:39:28,080
Speaker 1: it's started me from being great. So yeah, if anybody

872
00:39:28,200 --> 00:39:30,399
Speaker 1: you know, because I'm gonna likely go live next week,

873
00:39:30,440 --> 00:39:33,319
Speaker 1: So if anybody has any suggestions about what we can

874
00:39:33,360 --> 00:39:37,560
Speaker 1: do to get my computer camera, because like my camera,

875
00:39:38,000 --> 00:39:39,680
Speaker 1: like if I do FaceTime or anything, it works on

876
00:39:39,760 --> 00:39:42,480
Speaker 1: every other capacity. Just not with Facebook, and I do

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Speaker 1: not know why. Yeah, so just you know, I'd love

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00:39:45,640 --> 00:39:48,480
Speaker 1: your feedback because it's breaking my spirits.

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Speaker 2: It is help Tiffany out all. Forward your response. It's

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Speaker 2: brandonbisionpodcast at gmail dot com.

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00:39:53,120 --> 00:39:57,800
Speaker 3: Dot com. Well that was a good show. Those questions

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00:39:57,800 --> 00:39:58,480
Speaker 3: were really great.

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Speaker 1: I love when you guys ask like now, well, you

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Speaker 1: guys always ask good questions.

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Speaker 4: Keep them coming.

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Speaker 2: Mhm.