1 00:00:06,240 --> 00:00:09,440 Speaker 1: It's time for the b a q a A. The 2 00:00:09,520 --> 00:00:10,479 Speaker 1: b a q A. 3 00:00:10,680 --> 00:00:13,119 Speaker 2: Okay, the b a q A what you say the 4 00:00:13,200 --> 00:00:19,560 Speaker 2: b a q A. Welcome Black family, Brandavisian family. We 5 00:00:19,600 --> 00:00:23,360 Speaker 2: are here for a Brandavision question and answers. You have questions, 6 00:00:23,400 --> 00:00:26,880 Speaker 2: We have kind of answers. But we're not your mama, 7 00:00:26,920 --> 00:00:30,640 Speaker 2: your therapist, your doctor, not even what we're your own 8 00:00:30,720 --> 00:00:33,560 Speaker 2: like cousins. You know, we're not your financial advisors. 9 00:00:33,560 --> 00:00:34,400 Speaker 1: So certainly we. 10 00:00:34,320 --> 00:00:37,280 Speaker 2: Want you to take what we say with the tiny 11 00:00:37,320 --> 00:00:38,839 Speaker 2: grain of salt because we don't want you to get 12 00:00:38,840 --> 00:00:40,919 Speaker 2: you know, high blood pressure. You know how our community 13 00:00:40,960 --> 00:00:43,720 Speaker 2: do so. But we're here to just you know, your 14 00:00:43,760 --> 00:00:46,280 Speaker 2: financial besties, just leaning in. 15 00:00:46,360 --> 00:00:48,400 Speaker 3: We don't even know you'll sometimes so how are we 16 00:00:48,440 --> 00:00:50,960 Speaker 3: supposed to give you super specific advice? Y'all want to 17 00:00:50,960 --> 00:00:52,400 Speaker 3: be anonymous. 18 00:00:53,479 --> 00:00:59,440 Speaker 2: Aka Sue your grandma, not us, So yes, man's brother. 19 00:00:59,480 --> 00:01:03,120 Speaker 2: We have some questions for today. 20 00:01:02,360 --> 00:01:04,479 Speaker 3: Got some juicy, juicy questions. If y'all want to submit 21 00:01:04,560 --> 00:01:06,960 Speaker 3: questions and have them read on our special baq and 22 00:01:07,000 --> 00:01:10,000 Speaker 3: A episodes, go to brandnambissionpodcast dot com and click ask 23 00:01:10,080 --> 00:01:13,600 Speaker 3: us anything. You can also email us at Brandambisson podcast 24 00:01:13,640 --> 00:01:17,120 Speaker 3: dot com or slide into the DMS on ig. We 25 00:01:17,160 --> 00:01:20,319 Speaker 3: are at Brand Ambition podcast and you could be answered 26 00:01:20,360 --> 00:01:23,000 Speaker 3: on the show. If you want to be anonymous, fine, 27 00:01:23,040 --> 00:01:24,360 Speaker 3: I don't know how many of y'all are on these 28 00:01:24,360 --> 00:01:25,720 Speaker 3: witness protection programs. 29 00:01:25,880 --> 00:01:26,160 Speaker 2: I know. 30 00:01:26,319 --> 00:01:27,400 Speaker 1: Just pick up a fake name. 31 00:01:27,520 --> 00:01:30,920 Speaker 2: Honestly, here's my request, because it's fun for us. Come 32 00:01:31,000 --> 00:01:33,800 Speaker 2: up with some outlandish name. You know, I don't care. 33 00:01:33,840 --> 00:01:36,279 Speaker 2: You could say my name is Potato, just something fun 34 00:01:36,880 --> 00:01:43,120 Speaker 2: like we're like, yeah, exactly, silly and Cincinnati something, you know. 35 00:01:44,600 --> 00:01:46,720 Speaker 3: I do like the last show when you switched it 36 00:01:46,760 --> 00:01:49,680 Speaker 3: to Annie. So if you're anonymous, you're gonna be Annie. Okay, yes, 37 00:01:50,480 --> 00:01:54,360 Speaker 3: all right, Annie says in all cabs, please withhold my name. Fine, 38 00:01:54,960 --> 00:01:56,760 Speaker 3: I do. I think this is a great question, though. Ooh, 39 00:01:56,800 --> 00:01:59,040 Speaker 3: I can't wait to get into this. Hey Mandy, she says. 40 00:01:59,120 --> 00:02:02,680 Speaker 3: I'm the communicatations manager at a small nonprofit with about 41 00:02:02,720 --> 00:02:06,120 Speaker 3: four hundred and fifty ish employees. We had a team 42 00:02:06,120 --> 00:02:09,279 Speaker 3: meeting with my director and the media producer regarding commercials. 43 00:02:09,440 --> 00:02:11,560 Speaker 3: We all disliked the ads that we paid for and 44 00:02:11,600 --> 00:02:15,720 Speaker 3: were created by a local TV station. Impulsively, I suggested 45 00:02:15,800 --> 00:02:19,120 Speaker 3: that we write and produce our own commercial. Well, Sis, 46 00:02:19,240 --> 00:02:21,680 Speaker 3: ad copy ain't in my job description, and at fifty 47 00:02:21,720 --> 00:02:26,640 Speaker 3: eight K, I'm already a bargain. What was I thinking? Question? 48 00:02:27,040 --> 00:02:29,440 Speaker 3: I have written one commercial and now I'm being asked 49 00:02:29,480 --> 00:02:32,200 Speaker 3: to write another one. How can I gracefully back out 50 00:02:32,240 --> 00:02:34,240 Speaker 3: of this and explain that they need to hire an 51 00:02:34,280 --> 00:02:37,600 Speaker 3: ad agency? Side note, I'm a new hire in just 52 00:02:37,720 --> 00:02:44,600 Speaker 3: ninety days into a six month probationary period. She fell 53 00:02:44,639 --> 00:02:46,600 Speaker 3: into a trap, the helpful trap. 54 00:02:47,080 --> 00:02:48,400 Speaker 1: Yeah, please trap. 55 00:02:49,840 --> 00:02:51,840 Speaker 2: And I'm not gonna lie chap. That's a trap. I've 56 00:02:52,000 --> 00:02:55,280 Speaker 2: limited Toppy. I have to each delivered to my trap. 57 00:02:55,520 --> 00:02:58,920 Speaker 3: I'm not gonna be here for a while, permanent address 58 00:02:58,960 --> 00:03:03,120 Speaker 3: at the trap. That's the real, real trap house for Brad. 59 00:03:04,120 --> 00:03:04,880 Speaker 1: So I'm gonna like it. 60 00:03:04,960 --> 00:03:06,880 Speaker 2: I'm gonna honestly let maybe take the lead because that 61 00:03:07,320 --> 00:03:08,400 Speaker 2: this is not I'm like, I'm. 62 00:03:08,280 --> 00:03:10,680 Speaker 1: Listening, like, wait, so what will we do? Mandy? But 63 00:03:10,760 --> 00:03:11,880 Speaker 1: I will say this is something. 64 00:03:12,240 --> 00:03:15,360 Speaker 2: This is what I learned from doctor Green because she like, 65 00:03:15,480 --> 00:03:17,560 Speaker 2: this is something I did something similar and she said, 66 00:03:17,720 --> 00:03:20,920 Speaker 2: just because you agree to something once, does that mean 67 00:03:20,960 --> 00:03:22,840 Speaker 2: you agree to it for a lifetime? So she like, 68 00:03:23,000 --> 00:03:24,960 Speaker 2: so that's something like I'm still honestly working on it 69 00:03:24,960 --> 00:03:27,240 Speaker 2: because it's hard. And she said, so if you say 70 00:03:27,400 --> 00:03:29,560 Speaker 2: I don't like onions when you're four, So Tiffany, you 71 00:03:29,560 --> 00:03:31,359 Speaker 2: were a band from eating onions now that you're forty two. 72 00:03:31,800 --> 00:03:34,120 Speaker 2: And I'm like, no, Well, She's like, well that's how 73 00:03:34,120 --> 00:03:36,280 Speaker 2: you're navigating. So I'm saying all that to say, that's 74 00:03:36,320 --> 00:03:38,360 Speaker 2: all I know because I'm in there with you, girl, 75 00:03:38,520 --> 00:03:40,320 Speaker 2: tell me what you want from Uber Eats because you 76 00:03:40,360 --> 00:03:41,160 Speaker 2: and I in there together. 77 00:03:41,160 --> 00:03:42,440 Speaker 1: That's so Mandy, what should we do? 78 00:03:43,000 --> 00:03:46,200 Speaker 3: Yeah, so this is an opportunity for a boundary. I 79 00:03:46,240 --> 00:03:48,720 Speaker 3: wouldn't beat yourself up too much because in a way, 80 00:03:48,880 --> 00:03:51,920 Speaker 3: you needed to test out, you know, this new idea 81 00:03:51,960 --> 00:03:53,920 Speaker 3: of creating an ad and doing it yourself. Test it 82 00:03:53,920 --> 00:03:55,920 Speaker 3: out to see if you guys liked it. Okay, they 83 00:03:56,040 --> 00:03:58,400 Speaker 3: liked it, and you're the I get it. You're ninety 84 00:03:58,440 --> 00:04:00,480 Speaker 3: days into a new opportunity and you want to make 85 00:04:00,480 --> 00:04:03,720 Speaker 3: a good impression. You want to be energetic and enthusiastic 86 00:04:03,760 --> 00:04:06,840 Speaker 3: and have great ideas, but you also want to show 87 00:04:06,880 --> 00:04:09,240 Speaker 3: people how to work with you from an early stage 88 00:04:09,240 --> 00:04:11,040 Speaker 3: when you're new, and I think in the first undy 89 00:04:11,120 --> 00:04:13,680 Speaker 3: days it's an excellent opportunity for this to be your 90 00:04:13,720 --> 00:04:17,880 Speaker 3: first capital B boundary. So I think this is also important. 91 00:04:17,960 --> 00:04:20,920 Speaker 3: Why when you are overseeing any project or any new 92 00:04:20,960 --> 00:04:24,720 Speaker 3: initiative that you set in, you schedule time to debrief, 93 00:04:24,880 --> 00:04:26,960 Speaker 3: and you schedule time to have sort of like a 94 00:04:27,000 --> 00:04:29,360 Speaker 3: look back at how the project went and then what 95 00:04:29,400 --> 00:04:31,120 Speaker 3: are next steps and how are we going to spin 96 00:04:31,200 --> 00:04:33,279 Speaker 3: this forward and what are we going to do? Because 97 00:04:33,279 --> 00:04:35,720 Speaker 3: that gives you an opportunity to say, so, I did 98 00:04:35,760 --> 00:04:38,760 Speaker 3: it this time long, long term, we need to hire 99 00:04:38,760 --> 00:04:41,599 Speaker 3: this agency in order to really you know, make this 100 00:04:42,560 --> 00:04:44,800 Speaker 3: make this new commitment, or get the budget that we 101 00:04:44,839 --> 00:04:48,040 Speaker 3: need for it. So I think you approaching it by 102 00:04:48,040 --> 00:04:50,000 Speaker 3: going to your manager and saying, you know, actually, let's 103 00:04:50,040 --> 00:04:53,280 Speaker 3: have a conversation about this initiative and I'll give you 104 00:04:53,400 --> 00:04:56,320 Speaker 3: a projection on what I think we need for this 105 00:04:56,400 --> 00:04:58,960 Speaker 3: to be like a long term initiative for us, and 106 00:04:59,080 --> 00:05:02,040 Speaker 3: here's how much it could cost. You could even help 107 00:05:02,080 --> 00:05:05,400 Speaker 3: them out by I don't know, suggesting two to three 108 00:05:05,440 --> 00:05:09,560 Speaker 3: agencies that you've worked on vetting or even backing that 109 00:05:09,680 --> 00:05:12,520 Speaker 3: up and saying, as a next step, I will, you know, 110 00:05:12,600 --> 00:05:14,520 Speaker 3: if this is part of your job description, I don't know, 111 00:05:15,040 --> 00:05:17,240 Speaker 3: look into some ad agencies and come to you guys 112 00:05:17,240 --> 00:05:19,280 Speaker 3: and ask for them to give proposals and come to 113 00:05:19,320 --> 00:05:23,200 Speaker 3: you guys with options so that you're not you're not 114 00:05:23,320 --> 00:05:25,800 Speaker 3: taking away the new initiative. Everyone's excited about. You all 115 00:05:25,839 --> 00:05:29,160 Speaker 3: recognize you need it, but you are getting clear. You're 116 00:05:29,160 --> 00:05:31,560 Speaker 3: getting clear with them that it can't just fall, you know, 117 00:05:31,680 --> 00:05:35,560 Speaker 3: on your shoulders, And depending on how they respond to that, 118 00:05:35,839 --> 00:05:38,440 Speaker 3: then you can decide, is there another conversation that needs 119 00:05:38,520 --> 00:05:41,520 Speaker 3: to be had about what my duties and job responsibilities here? 120 00:05:41,560 --> 00:05:44,080 Speaker 3: So I can get clarity. But you don't want to 121 00:05:44,160 --> 00:05:46,080 Speaker 3: let this go, because if you let this go, you're 122 00:05:46,120 --> 00:05:48,479 Speaker 3: sending a message the same way my mom told me, 123 00:05:48,560 --> 00:05:51,280 Speaker 3: make sure that you don't tell your boyfriend Enrique that 124 00:05:51,320 --> 00:05:53,640 Speaker 3: you don't care about Valentine's Day when you're first dating. 125 00:05:53,640 --> 00:05:54,919 Speaker 3: She's like, no, no, no, no, you don't want to 126 00:05:54,920 --> 00:05:57,720 Speaker 3: set a president. You want him, you know what I mean. 127 00:05:57,760 --> 00:06:00,520 Speaker 3: So those messages early on can really set up president 128 00:06:00,560 --> 00:06:02,760 Speaker 3: for the rest of your relationship and the rest of 129 00:06:02,800 --> 00:06:05,000 Speaker 3: your you know, your job here. 130 00:06:05,480 --> 00:06:07,640 Speaker 1: Yeah, no, that's good. I'm like, okay, I'm not making 131 00:06:07,720 --> 00:06:09,400 Speaker 1: a notebook. I'm like, okay, does that stress you out? 132 00:06:09,440 --> 00:06:12,400 Speaker 1: Said like the bee for boundary? 133 00:06:14,680 --> 00:06:17,039 Speaker 2: Uh No, honestly, no, all that you said, I've you know, 134 00:06:17,360 --> 00:06:19,480 Speaker 2: it's true, and it's sometimes hard. 135 00:06:19,560 --> 00:06:21,760 Speaker 1: And so if you're someone like me who. 136 00:06:22,520 --> 00:06:24,920 Speaker 2: Has a hard time with the hard conversations, one of 137 00:06:24,920 --> 00:06:27,479 Speaker 2: the things I do practice, and that doctor Green taught me, 138 00:06:27,600 --> 00:06:32,440 Speaker 2: is to practice saying the hard things to in easy times, 139 00:06:32,480 --> 00:06:36,359 Speaker 2: meaning like, uh, is there someone at your job that 140 00:06:36,440 --> 00:06:38,359 Speaker 2: you know, like this is actually the nicest person to 141 00:06:38,440 --> 00:06:41,279 Speaker 2: kind of approach with this to start planning that seed 142 00:06:41,880 --> 00:06:45,440 Speaker 2: or just even outside of this, like you know, when 143 00:06:45,440 --> 00:06:47,599 Speaker 2: the waiter brings you the wrong thing, practice saying, hey, 144 00:06:47,640 --> 00:06:48,520 Speaker 2: this is not what I order. 145 00:06:48,600 --> 00:06:49,600 Speaker 1: So, like literally I have to. 146 00:06:49,520 --> 00:06:52,600 Speaker 2: Build up the muscle because wherever you are, there you go. 147 00:06:53,120 --> 00:06:56,240 Speaker 2: And so I'm learning to practice the hard conversations with 148 00:06:56,320 --> 00:06:59,599 Speaker 2: easy people so that way I have enough muscle built 149 00:06:59,600 --> 00:07:02,799 Speaker 2: that when these hard conversations come up to create a boundary. 150 00:07:03,120 --> 00:07:05,560 Speaker 2: You know, it's it's not that it's easy, but I 151 00:07:05,600 --> 00:07:07,440 Speaker 2: at least had a lot more practice. So that's what 152 00:07:07,480 --> 00:07:09,720 Speaker 2: I honestly been doing. You'll see me say that. Like 153 00:07:09,720 --> 00:07:12,800 Speaker 2: even during our last you know, when our first kind 154 00:07:12,800 --> 00:07:18,000 Speaker 2: of like welcome back to like Tiffany podcast episode, right that, 155 00:07:18,120 --> 00:07:21,000 Speaker 2: like I had to reassert the boundary because I knew 156 00:07:21,120 --> 00:07:21,800 Speaker 2: if I did it. 157 00:07:22,400 --> 00:07:24,800 Speaker 1: You know that you know I would. I would. I 158 00:07:24,800 --> 00:07:25,480 Speaker 1: wouldn't want to say. 159 00:07:25,480 --> 00:07:27,160 Speaker 2: I'm like, oh, I want to disappoint Mandy and everybody else, 160 00:07:27,200 --> 00:07:29,600 Speaker 2: and listening, I'm like, no, no, no, no, Tiffany, you have 161 00:07:29,680 --> 00:07:33,440 Speaker 2: to say the thing now. Because Mandy is nice. This 162 00:07:33,480 --> 00:07:36,320 Speaker 2: is an easy person to practice the hard conversation with, 163 00:07:36,800 --> 00:07:39,120 Speaker 2: you know, and so like, because there'll be other places 164 00:07:39,120 --> 00:07:40,960 Speaker 2: that don't give a what and I'm gonna be like, okay, 165 00:07:41,000 --> 00:07:43,360 Speaker 2: but I've already gotten my practice in and so like. 166 00:07:43,440 --> 00:07:45,680 Speaker 2: It's just that's what I could suggest if you're someone 167 00:07:45,720 --> 00:07:48,920 Speaker 2: like me who really gets anxious about having the hard conversations, 168 00:07:48,920 --> 00:07:51,800 Speaker 2: to really practice them with nice, easy people. So when 169 00:07:51,800 --> 00:07:53,600 Speaker 2: it comes down to it, you know you've got some 170 00:07:54,480 --> 00:07:56,160 Speaker 2: he got some practice under your belt. 171 00:07:56,440 --> 00:07:58,600 Speaker 3: Yeah, and I will. I'm going back to your question. 172 00:07:58,880 --> 00:08:03,040 Speaker 3: Remind you that the manager is in your title communications manager, 173 00:08:03,600 --> 00:08:05,720 Speaker 3: and as a leader and someone who's going to be 174 00:08:05,720 --> 00:08:09,360 Speaker 3: overseeing strategy for that particular department, it's on you to 175 00:08:09,640 --> 00:08:12,440 Speaker 3: tell them the solution for the problem. So you've told 176 00:08:12,480 --> 00:08:15,040 Speaker 3: them the solution, we should do our own commercials. But 177 00:08:15,360 --> 00:08:17,880 Speaker 3: they and you both took that to mean, we meeting me, 178 00:08:18,400 --> 00:08:20,720 Speaker 3: but how easily could you have gone out and found 179 00:08:20,720 --> 00:08:23,600 Speaker 3: your own ad writer copywriter to write that commercial? And 180 00:08:23,640 --> 00:08:26,240 Speaker 3: maybe you're overseeing it, but I think that was one 181 00:08:26,280 --> 00:08:28,760 Speaker 3: of the really challenging lessons for me as a leader. 182 00:08:28,800 --> 00:08:30,600 Speaker 3: And I actually just did a whole session on this 183 00:08:30,680 --> 00:08:33,320 Speaker 3: with my Bandy money Makers last week and really just 184 00:08:33,400 --> 00:08:36,000 Speaker 3: like cathartic for me, because in those early days as 185 00:08:36,000 --> 00:08:39,680 Speaker 3: a leader, I thought me doing everything was how I 186 00:08:39,679 --> 00:08:42,200 Speaker 3: should lead, and it's how I sent the message that 187 00:08:42,240 --> 00:08:44,840 Speaker 3: I'm a good leader because I can handle everything. But 188 00:08:44,880 --> 00:08:48,079 Speaker 3: that's just a fast track to burnout, burnout and resentment 189 00:08:48,600 --> 00:08:52,280 Speaker 3: and toxic work environment that you really create yourself. Because 190 00:08:52,400 --> 00:08:55,720 Speaker 3: for me, the epiphany was being a good leader is 191 00:08:55,800 --> 00:08:58,040 Speaker 3: necessarily doing it yourself. It's knowing what you need to 192 00:08:58,080 --> 00:09:00,360 Speaker 3: do and then finding solutions for it and bring other 193 00:09:00,400 --> 00:09:03,360 Speaker 3: people in and letting them help you, you know, achieve that. 194 00:09:03,960 --> 00:09:06,120 Speaker 3: And it's also really important in your first ninety days 195 00:09:06,160 --> 00:09:11,120 Speaker 3: at this job to set expectations that your managers will 196 00:09:11,160 --> 00:09:12,679 Speaker 3: give you the resources you need to be able to 197 00:09:12,760 --> 00:09:14,640 Speaker 3: do that job. So if it's a you coming to 198 00:09:14,679 --> 00:09:17,000 Speaker 3: them with this proposal for okay, we want to continue 199 00:09:17,040 --> 00:09:19,760 Speaker 3: doing this here's the budget I need to hire a 200 00:09:19,840 --> 00:09:22,680 Speaker 3: freelance ad writer, you know, here's the budget that I 201 00:09:22,760 --> 00:09:26,160 Speaker 3: need to get the recording equipment, whatever. And give them 202 00:09:26,360 --> 00:09:28,679 Speaker 3: sort of a long term budget plan and then if 203 00:09:28,679 --> 00:09:30,839 Speaker 3: they decide they want to put the resources in, then cool. 204 00:09:31,200 --> 00:09:33,120 Speaker 3: But if they decide that they won't, then it's time 205 00:09:33,160 --> 00:09:36,040 Speaker 3: to put that boundary down again and say, well, it's 206 00:09:36,080 --> 00:09:39,040 Speaker 3: not going to be realistic for me to take on 207 00:09:39,120 --> 00:09:43,079 Speaker 3: this responsibility with the umpteen other responsibilities that I have. 208 00:09:43,200 --> 00:09:45,200 Speaker 3: So what are we going to do? Maybe there's no 209 00:09:45,240 --> 00:09:49,600 Speaker 3: commercials for a while, and then be quiet and then 210 00:09:49,640 --> 00:09:50,240 Speaker 3: be silent. 211 00:09:51,640 --> 00:09:54,000 Speaker 2: I love what you said because it's true. Good leaders 212 00:09:54,320 --> 00:09:56,360 Speaker 2: let good people do good work. That is like a 213 00:09:56,440 --> 00:09:59,000 Speaker 2: lesson that like really drove home. You know now that 214 00:09:59,040 --> 00:10:01,080 Speaker 2: my team is much small, and I really look around 215 00:10:01,120 --> 00:10:03,000 Speaker 2: and I'm like, when you have the right people in 216 00:10:03,000 --> 00:10:05,120 Speaker 2: the right place, I don't have to sweat anybody. Like 217 00:10:05,120 --> 00:10:08,439 Speaker 2: I'm like, tifany, just take a step back. Logan got it, Rose, 218 00:10:08,440 --> 00:10:09,920 Speaker 2: got it. You've got to be in that email. If 219 00:10:09,960 --> 00:10:11,679 Speaker 2: there's something there she needs, she gonna let you know. 220 00:10:11,760 --> 00:10:15,199 Speaker 2: Tam got it. You know. So yep, so we wish 221 00:10:15,200 --> 00:10:18,920 Speaker 2: you loved Annie. 222 00:10:19,360 --> 00:10:22,079 Speaker 3: Good luck. All right, let's take a quick break out 223 00:10:22,120 --> 00:10:24,559 Speaker 3: and be back with another of your baq and a's. 224 00:10:26,920 --> 00:10:28,960 Speaker 1: Hey, y'all, we are black and back. 225 00:10:29,559 --> 00:10:33,080 Speaker 2: Our next question is from Amanda, not to be confused 226 00:10:33,120 --> 00:10:39,040 Speaker 2: with Mandy. Okay, so Amanda says, hey, y'all, hoping all 227 00:10:39,120 --> 00:10:42,400 Speaker 2: is well, and Tiffany continues to heal. I am thank you, Mandy. 228 00:10:42,440 --> 00:10:46,360 Speaker 2: I'm loving the solo content. Thank you for hashtag keeping 229 00:10:46,400 --> 00:10:50,360 Speaker 2: all the things going true. Indeed, So here's my question. 230 00:10:51,240 --> 00:10:54,199 Speaker 2: I've had a small consulting business for more than seven 231 00:10:54,360 --> 00:10:58,200 Speaker 2: years and not ever had a business credit card. My 232 00:10:58,320 --> 00:11:01,440 Speaker 2: partner and I have business debit cards for routine expenses 233 00:11:01,440 --> 00:11:04,559 Speaker 2: and travel, and we've had to hit our line of 234 00:11:04,600 --> 00:11:06,920 Speaker 2: credit several times when cash flow is messy. 235 00:11:07,080 --> 00:11:08,160 Speaker 1: Child, do not know it? 236 00:11:08,840 --> 00:11:11,160 Speaker 2: I'd like to consider a business credit card, but how 237 00:11:11,160 --> 00:11:13,960 Speaker 2: does it work? Do I, as the owner secure it 238 00:11:13,960 --> 00:11:15,760 Speaker 2: with my personal Social Security number? 239 00:11:15,800 --> 00:11:17,280 Speaker 1: I have good credit? Good girl? 240 00:11:18,040 --> 00:11:20,760 Speaker 2: Does the business need its own credit? We have a 241 00:11:20,840 --> 00:11:24,120 Speaker 2: done in Bradstreet number and haven't really used it, nor 242 00:11:24,160 --> 00:11:27,360 Speaker 2: do I really understand it. Goals are to pay less 243 00:11:27,400 --> 00:11:30,840 Speaker 2: interest for larger charges, a lot of credit alternative, and 244 00:11:30,880 --> 00:11:33,839 Speaker 2: build points by charging and paying off regular monthly expenses. 245 00:11:34,160 --> 00:11:36,520 Speaker 1: Any extra info you could offer on the topic is 246 00:11:36,559 --> 00:11:37,560 Speaker 1: so appreciated. 247 00:11:37,920 --> 00:11:41,000 Speaker 2: Bonus if you have a recommendation for a great buz 248 00:11:41,160 --> 00:11:43,200 Speaker 2: credit card, thanks so much. 249 00:11:44,400 --> 00:11:46,720 Speaker 3: I got my business credit card when I started Mandy 250 00:11:46,760 --> 00:11:49,000 Speaker 3: Money because I think there's just that common advice out 251 00:11:49,000 --> 00:11:53,120 Speaker 3: there you establish your credit business credit early, and for me, 252 00:11:53,720 --> 00:11:55,960 Speaker 3: I was the guaranteur, like me personally, because I didn't 253 00:11:55,960 --> 00:11:58,320 Speaker 3: have a business for any long point of time at 254 00:11:58,360 --> 00:12:01,800 Speaker 3: that point. So my personal credit is my collateral, you know, 255 00:12:02,320 --> 00:12:04,839 Speaker 3: So yes, I use my social I don't even remember 256 00:12:04,880 --> 00:12:07,960 Speaker 3: if they asked anything about my employment ID number or 257 00:12:08,000 --> 00:12:11,120 Speaker 3: what's it called a t I N tax employment number, 258 00:12:11,200 --> 00:12:13,680 Speaker 3: tax identification number. I'm like, that does not that's not 259 00:12:13,720 --> 00:12:17,480 Speaker 3: the acronym anyway. And because of my and because I 260 00:12:17,520 --> 00:12:20,160 Speaker 3: have strong credit too, I got approved, you know, pretty quickly. 261 00:12:20,320 --> 00:12:20,840 Speaker 2: But I don't know. 262 00:12:20,880 --> 00:12:22,760 Speaker 3: Tip does it matter now that she's seven years in 263 00:12:22,800 --> 00:12:25,200 Speaker 3: and she has a Dan so Dan and Bradstreet or 264 00:12:25,240 --> 00:12:26,280 Speaker 3: is it done in Brad Street? 265 00:12:26,320 --> 00:12:28,040 Speaker 1: I forgot now she said Dan. 266 00:12:28,600 --> 00:12:32,840 Speaker 2: Dan and them, Danny and them. 267 00:12:32,840 --> 00:12:33,400 Speaker 1: You never. 268 00:12:35,600 --> 00:12:39,840 Speaker 3: This is the business version of like your experience and 269 00:12:39,880 --> 00:12:43,360 Speaker 3: your ficos, right, they track your business credit. But you've 270 00:12:43,360 --> 00:12:44,600 Speaker 3: had a business a lot longer. 271 00:12:44,679 --> 00:12:48,120 Speaker 2: So well, I to your point, Like someone told me, 272 00:12:48,160 --> 00:12:50,560 Speaker 2: by the way, hey Tiffany, you should go ahead and 273 00:12:50,600 --> 00:12:53,040 Speaker 2: get your business credit set up before you need it, 274 00:12:53,080 --> 00:12:55,200 Speaker 2: because credit is really like you need to know me 275 00:12:55,320 --> 00:12:57,880 Speaker 2: before you need me. So anybody listening with a new business, 276 00:12:58,160 --> 00:13:01,000 Speaker 2: go ahead and on ahead and do that. But Amanda, 277 00:13:01,120 --> 00:13:05,199 Speaker 2: to Mandy's point, because you've been in business seven years, 278 00:13:05,240 --> 00:13:07,120 Speaker 2: you might be able to just get it based upon 279 00:13:07,280 --> 00:13:09,640 Speaker 2: your business currently because you've already had a line of credit, 280 00:13:09,679 --> 00:13:12,800 Speaker 2: so you likely don't have to necessarily put your credit like. 281 00:13:12,760 --> 00:13:13,640 Speaker 1: On the line. 282 00:13:13,920 --> 00:13:17,120 Speaker 2: For those folks who are new, oftentimes, not only can 283 00:13:17,200 --> 00:13:18,880 Speaker 2: you not get a regular credit card, Like for me, 284 00:13:19,120 --> 00:13:21,840 Speaker 2: I started, like you know, months two, I went to 285 00:13:21,840 --> 00:13:24,240 Speaker 2: get a credit card just to get one, and I 286 00:13:24,280 --> 00:13:27,040 Speaker 2: had to get a secured business credit card that's like 287 00:13:27,200 --> 00:13:29,800 Speaker 2: an actual thing like a secured regular credit card. You 288 00:13:30,200 --> 00:13:32,400 Speaker 2: basically it's like a credit card with training wheels. You 289 00:13:32,440 --> 00:13:34,760 Speaker 2: put down a deposit, they put it into basically like 290 00:13:34,760 --> 00:13:36,480 Speaker 2: a savings account for you, and then they give you 291 00:13:36,520 --> 00:13:39,280 Speaker 2: a card that is the same limit as the as 292 00:13:39,320 --> 00:13:42,880 Speaker 2: the posits that you put down. Typically for business credit cards, 293 00:13:43,280 --> 00:13:45,319 Speaker 2: I think it's like usually the minimums around one thousand 294 00:13:45,360 --> 00:13:49,040 Speaker 2: dollars personal. It's a minimum for secured cards usually like 295 00:13:49,120 --> 00:13:50,800 Speaker 2: three hundreds, four or five hundred dollars. 296 00:13:50,880 --> 00:13:51,640 Speaker 1: So that's what I did. 297 00:13:51,640 --> 00:13:53,960 Speaker 2: I put down one thousand dollars and I got a 298 00:13:54,000 --> 00:13:55,240 Speaker 2: secured business credit card. 299 00:13:55,400 --> 00:13:55,600 Speaker 1: You know. 300 00:13:55,720 --> 00:13:58,440 Speaker 2: I used it like wisely for like a year, and 301 00:13:58,480 --> 00:13:59,960 Speaker 2: then they took the secured part off. 302 00:13:59,800 --> 00:14:01,560 Speaker 1: And me a regular business credit card. 303 00:14:01,760 --> 00:14:03,720 Speaker 2: So what I liked about that is I got to 304 00:14:03,720 --> 00:14:06,840 Speaker 2: build my business credit up, you know, and now you know, 305 00:14:06,920 --> 00:14:09,200 Speaker 2: I've got like an American Express card. So what's so 306 00:14:09,280 --> 00:14:12,200 Speaker 2: great about a business credit card to your point, Amanda, 307 00:14:12,320 --> 00:14:14,880 Speaker 2: is that we use our business credit card, especially we 308 00:14:14,920 --> 00:14:17,000 Speaker 2: switched over to our American Express card because of the 309 00:14:18,240 --> 00:14:19,640 Speaker 2: the what you can do with the points, it is 310 00:14:19,760 --> 00:14:20,880 Speaker 2: just like magical. 311 00:14:21,040 --> 00:14:25,240 Speaker 1: So I use it for marketing. So if I'm running ads. 312 00:14:24,880 --> 00:14:26,560 Speaker 2: Which we do a lot, and sometimes we can spend 313 00:14:26,600 --> 00:14:29,040 Speaker 2: seven figures in a year on ads, and so I 314 00:14:29,160 --> 00:14:33,520 Speaker 2: have traveled extensively off them points that we get as 315 00:14:33,560 --> 00:14:35,400 Speaker 2: a results of my business partner and I for the 316 00:14:35,400 --> 00:14:37,800 Speaker 2: Literature Academy, we go back and forth with using the 317 00:14:37,840 --> 00:14:40,440 Speaker 2: points from American Express. I mean I flew to baut 318 00:14:40,600 --> 00:14:45,360 Speaker 2: BOLLI round trip first class off the points you know, I've. 319 00:14:45,200 --> 00:14:47,080 Speaker 3: Got you and your business partner like split them. 320 00:14:47,440 --> 00:14:48,920 Speaker 1: Yes, we split the points and we use them. 321 00:14:48,960 --> 00:14:51,680 Speaker 3: However, yeah, it's like a trust thing or what do 322 00:14:51,720 --> 00:14:54,200 Speaker 3: you call it. I don't know. Yeah, you have to 323 00:14:54,280 --> 00:14:56,200 Speaker 3: just like kind of say, okay, we share a joint 324 00:14:56,240 --> 00:14:59,680 Speaker 3: custody at these points. Don't the share. 325 00:15:00,240 --> 00:15:03,680 Speaker 1: Are out points? Baby? You're like, it's your weekend, you know. 326 00:15:03,920 --> 00:15:07,200 Speaker 2: And so so that is the benefit of like having 327 00:15:07,200 --> 00:15:09,600 Speaker 2: a business credit card. Yes, obviously you have access to 328 00:15:09,680 --> 00:15:13,480 Speaker 2: more capital, you know, like that. I don't worry as 329 00:15:13,560 --> 00:15:15,720 Speaker 2: much about the interest rates quite honestly, because we pay 330 00:15:15,720 --> 00:15:17,920 Speaker 2: ours off every month in full. But I also don't 331 00:15:17,920 --> 00:15:21,040 Speaker 2: have a physical based business, so that's not possible for 332 00:15:21,080 --> 00:15:23,680 Speaker 2: all people. Me and Mandy have a service based businesses, 333 00:15:23,720 --> 00:15:28,400 Speaker 2: so that's usually more feasible. But yeah, establishing your credit 334 00:15:28,480 --> 00:15:30,520 Speaker 2: getting a business credit card, it sounds like you're already 335 00:15:30,600 --> 00:15:34,440 Speaker 2: doing you know, wisely and using your your business line 336 00:15:34,440 --> 00:15:36,760 Speaker 2: of credit. Go ahead and do that. I wouldn't say 337 00:15:36,760 --> 00:15:38,360 Speaker 2: that I have. I mean, I will say that I 338 00:15:38,400 --> 00:15:41,480 Speaker 2: do like American Express because the points that you're able 339 00:15:41,480 --> 00:15:43,400 Speaker 2: to accumulate, you could use it for so many things. 340 00:15:43,560 --> 00:15:45,840 Speaker 2: But with American Express, be mindful that it's really like 341 00:15:45,840 --> 00:15:47,280 Speaker 2: a charge card, so you have to pay it off. 342 00:15:47,120 --> 00:15:50,640 Speaker 1: Every month in full. Let me see what other do you. 343 00:15:50,640 --> 00:15:52,240 Speaker 3: Have a high like annual fee? 344 00:15:52,400 --> 00:15:54,800 Speaker 1: Oh yeah, that's the thing. It is a high annual fee. 345 00:15:55,280 --> 00:15:57,800 Speaker 2: But I will say that, from what I remember, with 346 00:15:57,840 --> 00:16:00,160 Speaker 2: American Express, you could put it toward things like like 347 00:16:00,200 --> 00:16:02,600 Speaker 2: I was able to get global entry, which is like 348 00:16:02,600 --> 00:16:05,840 Speaker 2: four hundred bucks and so, but with American Express it 349 00:16:05,880 --> 00:16:08,320 Speaker 2: was waved. So global entry means whenever I come back 350 00:16:08,320 --> 00:16:10,480 Speaker 2: to the US, which you know I'm leaving, I'm going 351 00:16:10,520 --> 00:16:13,920 Speaker 2: to Jordan. When I come back in to the US, 352 00:16:13,920 --> 00:16:15,440 Speaker 2: I don't have to like wait in a super long 353 00:16:15,480 --> 00:16:16,360 Speaker 2: line because they. 354 00:16:16,280 --> 00:16:19,920 Speaker 3: Basically preache long line makes me feel richer and more 355 00:16:20,160 --> 00:16:23,640 Speaker 3: like lucks. Skip the long line of customs. 356 00:16:24,080 --> 00:16:25,160 Speaker 1: Yes, take my money. 357 00:16:25,240 --> 00:16:28,520 Speaker 3: I don't care. I'm sorry. 358 00:16:28,720 --> 00:16:31,040 Speaker 2: So you want to ask that like four hundred dollars, 359 00:16:31,120 --> 00:16:32,960 Speaker 2: sometimes you can put it toward things, you know, like 360 00:16:33,000 --> 00:16:35,280 Speaker 2: and that's one of them. I'm also too, I mean, well, 361 00:16:35,320 --> 00:16:37,040 Speaker 2: this is not they don't it's not a business card. 362 00:16:37,240 --> 00:16:40,880 Speaker 2: But Chase, I would probably ask, but for what I know, 363 00:16:42,480 --> 00:16:44,560 Speaker 2: I don't think. I don't know if Chase has a 364 00:16:44,600 --> 00:16:47,520 Speaker 2: business card that you know if that gives like incredible points. 365 00:16:47,520 --> 00:16:49,360 Speaker 2: But you can ask because my personal Chase, like you 366 00:16:49,400 --> 00:16:51,080 Speaker 2: know car, what's that car that I always get the 367 00:16:51,160 --> 00:16:52,800 Speaker 2: name wrong on the. 368 00:16:52,920 --> 00:16:57,280 Speaker 3: Chase good card. Get the name of Chase. 369 00:16:58,720 --> 00:17:00,480 Speaker 1: Yes, yes, Chase. 370 00:17:00,560 --> 00:17:03,000 Speaker 2: I use my Chase a lot as well. But yeah, 371 00:17:03,040 --> 00:17:04,880 Speaker 2: so I would just say start now, you know, start 372 00:17:04,880 --> 00:17:06,600 Speaker 2: building your business credit. I mean you've already built your 373 00:17:06,600 --> 00:17:08,159 Speaker 2: business credit because you've had a line of credit, but 374 00:17:08,440 --> 00:17:10,320 Speaker 2: a credit card you use wisely can certainly be a 375 00:17:10,320 --> 00:17:10,840 Speaker 2: great tool. 376 00:17:11,280 --> 00:17:13,840 Speaker 3: Yeah, And I mean for me, credit card offers changed 377 00:17:13,840 --> 00:17:16,880 Speaker 3: so frequently, and especially now that the economy is coming back, well, 378 00:17:16,920 --> 00:17:19,480 Speaker 3: I know it's well coming back ish, like there's so 379 00:17:19,560 --> 00:17:22,520 Speaker 3: many issues and inflation and sock market crashing all the 380 00:17:22,560 --> 00:17:25,480 Speaker 3: kind of stuff. But credit cards rewards are coming back, 381 00:17:25,520 --> 00:17:27,200 Speaker 3: so they you know, you saw a lot of cards 382 00:17:27,240 --> 00:17:29,680 Speaker 3: pull back on the rewards programs during the pandemic when 383 00:17:29,680 --> 00:17:32,159 Speaker 3: people weren't actually doing the things that we used to do, 384 00:17:32,240 --> 00:17:34,800 Speaker 3: like eat out, and like the reasons you would justify 385 00:17:34,840 --> 00:17:37,879 Speaker 3: getting a rewards card before kind of went away. So 386 00:17:37,920 --> 00:17:40,119 Speaker 3: there may be new offers today that weren't even around 387 00:17:40,200 --> 00:17:42,200 Speaker 3: last summer. So when I got my business card last 388 00:17:42,200 --> 00:17:45,080 Speaker 3: summer I went. I started off going to you know, 389 00:17:45,119 --> 00:17:47,840 Speaker 3: a credit card comparison site and literally googling the best 390 00:17:48,040 --> 00:17:50,520 Speaker 3: business credit cards. There's a bunch of lists that you'll find. 391 00:17:51,520 --> 00:17:53,879 Speaker 3: Just look for lists where it's there's like people have 392 00:17:53,920 --> 00:17:56,560 Speaker 3: actually written reviews based on their experience and not just 393 00:17:56,560 --> 00:17:59,919 Speaker 3: because they get the highest affiliate revenue from referring those cards. 394 00:18:00,600 --> 00:18:02,600 Speaker 3: And for me, I was looking for a no annual 395 00:18:02,640 --> 00:18:05,520 Speaker 3: fee card, which means I don't get the amazing lucrative 396 00:18:05,560 --> 00:18:07,320 Speaker 3: benefits of an amex. It didn't make sense for me 397 00:18:07,359 --> 00:18:09,680 Speaker 3: at the time because of my business revenue was non 398 00:18:09,720 --> 00:18:12,040 Speaker 3: existent last June when I got the card, so I 399 00:18:12,160 --> 00:18:14,560 Speaker 3: chose the Capital One Spark And what I like about 400 00:18:14,560 --> 00:18:17,400 Speaker 3: it is that it is no fee and it's two 401 00:18:17,400 --> 00:18:20,119 Speaker 3: percent cash back on everything, so it's pretty as a 402 00:18:20,160 --> 00:18:22,200 Speaker 3: standard business card. It works for me, and I do 403 00:18:22,240 --> 00:18:24,760 Speaker 3: get I do get cash back which I can then 404 00:18:24,880 --> 00:18:27,800 Speaker 3: use against my balance or for whatever. So that's what 405 00:18:27,880 --> 00:18:30,359 Speaker 3: I use personally. But like I said, I would start 406 00:18:30,400 --> 00:18:34,879 Speaker 3: with like a nerd wallet, a Magnify money credit karma again, 407 00:18:35,000 --> 00:18:37,760 Speaker 3: just like compare and see which one fits, which one 408 00:18:37,760 --> 00:18:40,639 Speaker 3: fits your business. Yeah, and how you were going to 409 00:18:40,760 --> 00:18:43,720 Speaker 3: use it. Maybe you're buying a lot of supplies at Staples, 410 00:18:43,760 --> 00:18:46,160 Speaker 3: so maybe you know a card that gives you cash 411 00:18:46,240 --> 00:18:48,840 Speaker 3: back on office supplies makes sense exactly, or for a. 412 00:18:50,560 --> 00:18:52,240 Speaker 2: So I want to travel points, but you might not 413 00:18:52,320 --> 00:18:54,359 Speaker 2: need that, you know. So yeah, to Mandy's point, you 414 00:18:54,359 --> 00:18:56,840 Speaker 2: want to find a card that really fits you. And 415 00:18:56,920 --> 00:18:59,520 Speaker 2: another benefit to like a business credit card is that 416 00:18:59,760 --> 00:19:00,840 Speaker 2: it's something happens. 417 00:19:00,880 --> 00:19:02,240 Speaker 1: Credit card companies really. 418 00:19:02,040 --> 00:19:04,760 Speaker 2: Work with you, like, hey, I didn't I didn't twipe that, 419 00:19:04,800 --> 00:19:06,959 Speaker 2: I didn't buy that, I didn't, you know, versus a 420 00:19:06,960 --> 00:19:08,960 Speaker 2: line of credit, you know, where you're kind of like 421 00:19:09,000 --> 00:19:11,040 Speaker 2: on your own. So there's a benefit to using your 422 00:19:11,080 --> 00:19:13,439 Speaker 2: business card for things because there's a protection built in. 423 00:19:13,600 --> 00:19:17,639 Speaker 3: So wow, thank you for the question, Amanda. 424 00:19:18,119 --> 00:19:22,280 Speaker 2: Yes, if you'll have questions, ask us Briana Bision podcast 425 00:19:22,640 --> 00:19:23,320 Speaker 2: dot com. 426 00:19:23,320 --> 00:19:25,520 Speaker 1: Click ask what does it? Ask anything? 427 00:19:26,000 --> 00:19:33,359 Speaker 3: Ask us anything? Yeah, listen just about not crazy or 428 00:19:33,440 --> 00:19:35,640 Speaker 3: hit u stuff on ig slide into our DMS. It's 429 00:19:35,680 --> 00:19:38,399 Speaker 3: at brand Ambission podcast or you can hit us up 430 00:19:38,400 --> 00:19:42,119 Speaker 3: directly Brand Ambisson Podcast at gmail dot com dot com. 431 00:19:42,160 --> 00:19:43,920 Speaker 2: And please give us a fake name. We like fake 432 00:19:44,000 --> 00:19:46,320 Speaker 2: names make it silly, you know. I just feel like 433 00:19:46,400 --> 00:19:48,960 Speaker 2: it's right, make it sassy so you know we can 434 00:19:48,960 --> 00:19:49,639 Speaker 2: have a little fun with it. 435 00:19:49,680 --> 00:19:51,800 Speaker 3: We all had those like identity crises when we were fifteen, 436 00:19:51,880 --> 00:19:52,440 Speaker 3: wanted to change. 437 00:19:53,119 --> 00:19:54,000 Speaker 1: What did you want your name? 438 00:19:54,200 --> 00:19:58,000 Speaker 2: Come on now, if you're a person ac right, everybody 439 00:19:58,040 --> 00:20:01,000 Speaker 2: would detty, where do you go? You're like, if you're 440 00:20:01,000 --> 00:20:04,119 Speaker 2: around my age, you'll want it. Stacey, give us something. 441 00:20:05,280 --> 00:20:08,000 Speaker 3: All my Sailor Moon fan fictions under the alias Adrian 442 00:20:08,240 --> 00:20:10,520 Speaker 3: because that's who I want it to be. So who's 443 00:20:10,600 --> 00:20:13,200 Speaker 3: your fifteen year old aliens? 444 00:20:14,040 --> 00:20:15,840 Speaker 1: All right, until next time, y'all? 445 00:20:15,960 --> 00:20:20,040 Speaker 3: Until next week, Bye, y'all, take care. Bye, Hey, ba fan, 446 00:20:20,160 --> 00:20:22,520 Speaker 3: We could not do this show without your support or 447 00:20:22,560 --> 00:20:25,280 Speaker 3: the support of our team behind the scenes. The Brown 448 00:20:25,280 --> 00:20:29,280 Speaker 3: Emission podcast is produced by Cumulus Podcast Network. It's edited 449 00:20:29,320 --> 00:20:33,080 Speaker 3: by the wonderful Emani Crosby and produced by Tanya Bustos. 450 00:20:33,440 --> 00:20:36,720 Speaker 3: Dennis Stimplinsky is our in house tech guru, and I 451 00:20:36,760 --> 00:20:39,720 Speaker 3: am Bandy Woodrid Santos your co host, and I will 452 00:20:39,720 --> 00:20:40,920 Speaker 3: see y'all next week.