1 00:00:00,360 --> 00:00:05,200 Speaker 1: My next desk is Tiffany Halls. How are you doing, Tiffany? 2 00:00:05,280 --> 00:00:07,320 Speaker 1: How are you look at it all out? You know? 3 00:00:08,640 --> 00:00:10,440 Speaker 1: What do you do for a living? Tiffany? Because I 4 00:00:10,480 --> 00:00:13,080 Speaker 1: thought you're gonna be a studio with me. I thought so, 5 00:00:13,640 --> 00:00:15,440 Speaker 1: but they said, you know, you couldn't make it in 6 00:00:16,960 --> 00:00:18,840 Speaker 1: I'm not mad at you because you're my friend. You're 7 00:00:18,840 --> 00:00:22,119 Speaker 1: my friend. You're my friend. But tell us about the 8 00:00:22,360 --> 00:00:25,840 Speaker 1: what ye have right now with your career. Um, you 9 00:00:25,880 --> 00:00:31,560 Speaker 1: know I am at in Atlanta, yes, ma'am. Now when 10 00:00:31,560 --> 00:00:35,000 Speaker 1: you say that, because you know we've been to I've 11 00:00:35,040 --> 00:00:39,280 Speaker 1: interviewed you before, and you know my whole fear about 12 00:00:40,080 --> 00:00:42,960 Speaker 1: having a closing the attorney because I signed a bunch 13 00:00:43,000 --> 00:00:45,040 Speaker 1: of papers. I've been fortunate to buy a house in 14 00:00:45,120 --> 00:00:47,559 Speaker 1: my life and as a stack of papers, I know 15 00:00:47,720 --> 00:00:51,640 Speaker 1: nothing about what I'm signing, but I'm told to sign. 16 00:00:52,280 --> 00:00:55,279 Speaker 1: So can you help? I'm sure it's a lot. You're 17 00:00:55,320 --> 00:00:58,000 Speaker 1: laughing at me. You laughing at because you know this 18 00:00:58,080 --> 00:01:00,560 Speaker 1: is this is a look that you can people give 19 00:01:00,560 --> 00:01:02,760 Speaker 1: you all the time. So that's abot of trust I 20 00:01:02,800 --> 00:01:05,960 Speaker 1: have to have with an attorney like you. So tell 21 00:01:06,040 --> 00:01:09,560 Speaker 1: us exactly what are they may be doing the same 22 00:01:09,600 --> 00:01:14,520 Speaker 1: thing outside what are we signing? So it's not necessarily 23 00:01:14,640 --> 00:01:16,640 Speaker 1: a lot of trust that you have to have with 24 00:01:16,680 --> 00:01:21,360 Speaker 1: the attorney. It's just you knowing what you are agreeing 25 00:01:21,400 --> 00:01:24,399 Speaker 1: to as far as the terms of the actual loan. 26 00:01:25,040 --> 00:01:28,760 Speaker 1: And so, as a consumer or as a buyer, if 27 00:01:28,760 --> 00:01:31,800 Speaker 1: I'm purchasing a home, the number one thing that I'm 28 00:01:31,840 --> 00:01:35,479 Speaker 1: concerned about is can I afford to purchase this home? 29 00:01:36,319 --> 00:01:39,200 Speaker 1: Is the interest rate going to be sufficient enough for 30 00:01:39,240 --> 00:01:42,960 Speaker 1: me to be able to make my mortgage payments each month? Um? 31 00:01:42,959 --> 00:01:45,960 Speaker 1: And so those are the important factors as a homeowner, 32 00:01:46,480 --> 00:01:49,320 Speaker 1: UM that I'm gonna go over with you in detail, like, hey, 33 00:01:49,400 --> 00:01:51,960 Speaker 1: this is your note, and on your note, you know, 34 00:01:52,000 --> 00:01:54,160 Speaker 1: it says you're interest rate is three point five and 35 00:01:54,280 --> 00:01:57,600 Speaker 1: your principal and interest is this figure. But now on 36 00:01:57,720 --> 00:01:59,920 Speaker 1: top of that, we have to add in your escrow 37 00:02:00,240 --> 00:02:03,480 Speaker 1: for your taxes, your property taxes, and for your insurance. 38 00:02:03,840 --> 00:02:06,600 Speaker 1: And so although your principle and interest is this amount, 39 00:02:06,960 --> 00:02:09,960 Speaker 1: your monthly payment will be this amount once we include 40 00:02:10,040 --> 00:02:13,200 Speaker 1: those s prows. And so as a buyer, that's the 41 00:02:13,200 --> 00:02:16,639 Speaker 1: most important thing because you have to realize that when 42 00:02:16,639 --> 00:02:21,079 Speaker 1: a lender is um lending you money, you're not signing 43 00:02:21,160 --> 00:02:24,239 Speaker 1: anything in your favor. Everything is always going to be 44 00:02:24,280 --> 00:02:26,760 Speaker 1: in the bank's favor. So if we make a mistake, 45 00:02:27,000 --> 00:02:30,200 Speaker 1: you will correct it. Buyre um. If something goes on, 46 00:02:30,480 --> 00:02:33,560 Speaker 1: you will correct it. If you have done anything fraudulent, 47 00:02:33,639 --> 00:02:37,280 Speaker 1: we can't foreclose. If you don't pay, we can't fork close. 48 00:02:37,360 --> 00:02:39,880 Speaker 1: So all those terms are definitely going to be in 49 00:02:39,919 --> 00:02:42,800 Speaker 1: favor of the lender. So it's just important for you 50 00:02:42,880 --> 00:02:45,480 Speaker 1: to know what you're comfortable with, UH and what you 51 00:02:45,520 --> 00:02:48,600 Speaker 1: can afford. And once you figure that out, UM, the 52 00:02:48,680 --> 00:02:51,239 Speaker 1: truth is you're either signing the documents and getting the 53 00:02:51,320 --> 00:02:55,520 Speaker 1: loan or you're not. You can't negotiate anything. You know. 54 00:02:55,639 --> 00:02:58,080 Speaker 1: Just interesting because we're gonna talk about the show that 55 00:02:58,120 --> 00:03:00,839 Speaker 1: your star are, the unscripted series on Own Ladies Who 56 00:03:00,880 --> 00:03:03,760 Speaker 1: List Atlanta. But one of the reasons I invited you 57 00:03:03,840 --> 00:03:06,760 Speaker 1: on my show, the Live show on w C. Okay, 58 00:03:06,960 --> 00:03:09,040 Speaker 1: let's just talk about it, because sometimes you get lost 59 00:03:09,080 --> 00:03:12,200 Speaker 1: in reality and TVs. That's what she does for a living. 60 00:03:12,960 --> 00:03:15,280 Speaker 1: She play acting because I really wanted to because I 61 00:03:15,320 --> 00:03:16,840 Speaker 1: knew that wasn't the truth and I want to make 62 00:03:16,880 --> 00:03:20,800 Speaker 1: sure clarify that. But because you deliver our skill and 63 00:03:21,000 --> 00:03:24,080 Speaker 1: H and UH that am I wrong in this saying 64 00:03:24,120 --> 00:03:27,960 Speaker 1: that's that not many African American male or female participate 65 00:03:28,040 --> 00:03:33,600 Speaker 1: as closing attorneys. Um, there's a there's a handful of 66 00:03:33,680 --> 00:03:37,040 Speaker 1: us out here. I didn't say that there's not a lot. 67 00:03:37,080 --> 00:03:41,400 Speaker 1: There are definitely UM enough of us out here. And 68 00:03:41,400 --> 00:03:45,320 Speaker 1: and actually it's an area law where you're starting to 69 00:03:45,360 --> 00:03:51,240 Speaker 1: see more minorities UM entering this area of law. So back, 70 00:03:51,560 --> 00:03:54,480 Speaker 1: you know, five ten years ago, you didn't see as 71 00:03:54,520 --> 00:03:58,520 Speaker 1: many African American closing attorneys. But now like I'm literally 72 00:03:58,560 --> 00:04:02,280 Speaker 1: seeing that pop up every were around Atlanta, around this 73 00:04:02,440 --> 00:04:07,160 Speaker 1: metropolitan you know city here. UM. But we're still a minority. 74 00:04:07,240 --> 00:04:11,720 Speaker 1: We're still not um the main person that you see 75 00:04:11,760 --> 00:04:15,360 Speaker 1: at the closing table, UM, even in Atlanta, Tiffany. Uh. 76 00:04:15,520 --> 00:04:19,160 Speaker 1: You know, this interview is part of answering questions for 77 00:04:19,279 --> 00:04:24,800 Speaker 1: Rishawan and people call it because an experience of how 78 00:04:24,839 --> 00:04:26,960 Speaker 1: did you get started? Because you said you can go 79 00:04:26,960 --> 00:04:29,359 Speaker 1: to school for this, you know, like I went to college. 80 00:04:29,400 --> 00:04:32,360 Speaker 1: You know, I started out as a civil engineer, and 81 00:04:32,440 --> 00:04:34,200 Speaker 1: I went over the chemical engineer, and then I went 82 00:04:34,240 --> 00:04:38,719 Speaker 1: over to uh the math. Eventually got my degree in math, 83 00:04:38,800 --> 00:04:42,279 Speaker 1: and I minored out and UM and the sociology. Was 84 00:04:42,320 --> 00:04:46,000 Speaker 1: this what you wanted to do when you went to college. 85 00:04:46,760 --> 00:04:49,320 Speaker 1: So when I went to I went to Savannah State 86 00:04:49,400 --> 00:04:52,920 Speaker 1: University undergrad and I made a major that political science 87 00:04:52,960 --> 00:04:55,240 Speaker 1: and minored in English, and my goal was to go 88 00:04:55,320 --> 00:04:58,160 Speaker 1: to law school. Now at that time, I had no 89 00:04:58,360 --> 00:05:01,880 Speaker 1: idea about trans actional law. I had no idea about 90 00:05:02,000 --> 00:05:05,239 Speaker 1: real estate closing. Didn't even know when attorney was involved 91 00:05:05,240 --> 00:05:08,800 Speaker 1: when you purchased the house. It wasn't until um when 92 00:05:08,800 --> 00:05:11,839 Speaker 1: I graduated. I ended up getting pregnant with my oldest son, 93 00:05:12,040 --> 00:05:14,760 Speaker 1: and instead of going a law school, I went and 94 00:05:14,800 --> 00:05:18,240 Speaker 1: got my payer legal certificate and I applied to like 95 00:05:18,480 --> 00:05:20,440 Speaker 1: a whole bunch of law firms, and the law firm 96 00:05:20,480 --> 00:05:23,720 Speaker 1: that called me back was a real estate closing attorney's office. 97 00:05:23,800 --> 00:05:26,440 Speaker 1: I got my first job, and so that was the 98 00:05:26,440 --> 00:05:29,120 Speaker 1: first time that I was ever, you know, even aware 99 00:05:29,800 --> 00:05:33,359 Speaker 1: that there was law associated with purchasing homes. And that 100 00:05:33,520 --> 00:05:36,640 Speaker 1: was back in two thousand and six, two thousand seven. 101 00:05:37,680 --> 00:05:40,760 Speaker 1: And once I got into that arena and I started 102 00:05:40,839 --> 00:05:45,240 Speaker 1: learning the process and how everything went. Eventually, when I 103 00:05:45,279 --> 00:05:48,200 Speaker 1: went to law school, it's all I knew how to practice. 104 00:05:48,240 --> 00:05:50,120 Speaker 1: And so once I graduated a law school once at 105 00:05:50,120 --> 00:05:52,800 Speaker 1: the bar. I just immediately, um, you know, opened up 106 00:05:52,839 --> 00:05:55,840 Speaker 1: my own firm and started doing the residential real estate closing. 107 00:05:56,120 --> 00:05:59,680 Speaker 1: We'll be right back with more Money Making Conversations Masterclass 108 00:05:59,720 --> 00:06:04,559 Speaker 1: with three Sean McDonald. Now let's return to Money Making 109 00:06:04,600 --> 00:06:10,680 Speaker 1: Conversations Masterclass with Rashan McDonald. Now, okay, Now, opening your 110 00:06:10,680 --> 00:06:13,440 Speaker 1: own firm? Is that a Is that normal? I'm just 111 00:06:13,680 --> 00:06:16,200 Speaker 1: I'm just asking simple questions in my mind, you know, 112 00:06:16,240 --> 00:06:18,640 Speaker 1: because that means that you know, you have from there 113 00:06:18,640 --> 00:06:20,920 Speaker 1: the word firm. You know, they're all on TV now, 114 00:06:20,960 --> 00:06:23,480 Speaker 1: they all got commercials out there, and you know they 115 00:06:23,480 --> 00:06:26,040 Speaker 1: have billboards. It was strong on with the law and 116 00:06:26,480 --> 00:06:30,120 Speaker 1: you know Morgan and Morgan and you know they they 117 00:06:29,440 --> 00:06:32,839 Speaker 1: they they sponsored local news, which is shocking to me. 118 00:06:32,960 --> 00:06:35,160 Speaker 1: You know, how you can have a law firm sponsoring 119 00:06:35,240 --> 00:06:37,160 Speaker 1: local news. I don't get that, but they do it. 120 00:06:37,640 --> 00:06:41,080 Speaker 1: And so how do you compete with all that super 121 00:06:41,720 --> 00:06:44,760 Speaker 1: hype that's going on, all these millions of dollars as 122 00:06:44,760 --> 00:06:52,279 Speaker 1: being spent? How does your firm cut through all that clutter? Um? Well, 123 00:06:52,760 --> 00:06:58,119 Speaker 1: I never looked at it as a competition. Um. When 124 00:06:58,160 --> 00:07:01,640 Speaker 1: I opened my firm, it was simply because I knew 125 00:07:01,680 --> 00:07:06,400 Speaker 1: how to do everything. UM, and I paid three hundred 126 00:07:06,400 --> 00:07:09,240 Speaker 1: thousand dollars to go to law school. Why am I 127 00:07:09,320 --> 00:07:13,120 Speaker 1: going to apply to a law firm make seventy thousand 128 00:07:13,200 --> 00:07:17,480 Speaker 1: dollars if that um and then has to work, you know, 129 00:07:17,800 --> 00:07:21,200 Speaker 1: my ass off for everyone else. So the goal in 130 00:07:21,240 --> 00:07:24,480 Speaker 1: my mind was, No, I did all this work, I 131 00:07:24,520 --> 00:07:26,440 Speaker 1: know how to do this, so I'm gonna open up 132 00:07:26,480 --> 00:07:29,360 Speaker 1: my own firm. Now I knew how to do all 133 00:07:29,400 --> 00:07:32,560 Speaker 1: the real estate stuff, the practice, but when I didn't 134 00:07:32,600 --> 00:07:36,480 Speaker 1: know how to do which actually builds UM my business. 135 00:07:37,120 --> 00:07:40,840 Speaker 1: And I still at that time wasn't like, oh what 136 00:07:40,920 --> 00:07:42,680 Speaker 1: am I gonna do with all these big law firms? No, 137 00:07:42,880 --> 00:07:45,320 Speaker 1: I was like, more like, how am I gonna find 138 00:07:45,360 --> 00:07:49,600 Speaker 1: my way? What's gonna benefit me? And I found the 139 00:07:49,600 --> 00:07:53,520 Speaker 1: power of social media. UM. I have three children, so 140 00:07:53,640 --> 00:07:57,400 Speaker 1: it's very hard for me to do traditional networking UM 141 00:07:57,520 --> 00:08:01,760 Speaker 1: like going to different places, lunches, shake hands, getting out cards. 142 00:08:02,760 --> 00:08:08,880 Speaker 1: It was very um difficult for me to UM even 143 00:08:08,960 --> 00:08:11,480 Speaker 1: kind of like put myself out there being in front 144 00:08:11,520 --> 00:08:14,160 Speaker 1: of people like, hey, I just graduated law school. Here 145 00:08:14,680 --> 00:08:17,920 Speaker 1: my business cards. But then when I found out that 146 00:08:18,080 --> 00:08:20,800 Speaker 1: like my audience, the people that I want to do 147 00:08:20,840 --> 00:08:24,160 Speaker 1: business with with your real estate agents. They're all over 148 00:08:24,240 --> 00:08:27,080 Speaker 1: social media and of course they want everyone to know 149 00:08:27,160 --> 00:08:29,720 Speaker 1: that they're a real estate agent, so it's easy to 150 00:08:29,760 --> 00:08:34,080 Speaker 1: find them. And that became my niche and how I 151 00:08:34,120 --> 00:08:37,520 Speaker 1: got my business. Now I may not be the largest 152 00:08:37,600 --> 00:08:40,480 Speaker 1: law firm out here, but the business that I do 153 00:08:40,679 --> 00:08:45,120 Speaker 1: is enough for me. It's enough to employ um eleven people, 154 00:08:45,480 --> 00:08:48,840 Speaker 1: it's enough to you know, take care of my family. 155 00:08:49,040 --> 00:08:52,680 Speaker 1: And so for me, that's enough. There are people out 156 00:08:52,720 --> 00:08:55,320 Speaker 1: here with lofty goals of wanting to be you know, 157 00:08:55,400 --> 00:09:00,240 Speaker 1: the largest closing attorney, are not even closing attorney any firm. Um, 158 00:09:00,280 --> 00:09:03,520 Speaker 1: I just don't have those goals because you know a 159 00:09:03,559 --> 00:09:06,200 Speaker 1: lot of my goals are now to just you know, 160 00:09:06,360 --> 00:09:09,440 Speaker 1: pour into my children. Um. So it's just all about 161 00:09:09,520 --> 00:09:12,480 Speaker 1: you know, what you want, and I just really never 162 00:09:12,559 --> 00:09:16,240 Speaker 1: looked at anybody else to compare myself and what I'm 163 00:09:16,280 --> 00:09:19,360 Speaker 1: doing to what they're doing. Now, when you when you 164 00:09:19,440 --> 00:09:22,320 Speaker 1: look at first of all, when I when I hear 165 00:09:22,360 --> 00:09:25,200 Speaker 1: the way you talk, that means that you walk through 166 00:09:25,280 --> 00:09:27,840 Speaker 1: a lot of unknown situations with a lot of courage. 167 00:09:28,240 --> 00:09:30,080 Speaker 1: Because that stops a lot of people. A lot of 168 00:09:30,080 --> 00:09:33,679 Speaker 1: people want their dreams to be accomplished, but fear, the 169 00:09:34,400 --> 00:09:37,800 Speaker 1: not feeling comfortable, not not knowing, Hey is a paycheck 170 00:09:37,840 --> 00:09:39,800 Speaker 1: waiting on me? Is is that idea is gonna work? 171 00:09:39,800 --> 00:09:43,280 Speaker 1: Who's supporting me? How did you overcome the fear of 172 00:09:43,280 --> 00:09:47,520 Speaker 1: the unknown? Before we go to break? Well, the big 173 00:09:47,559 --> 00:09:50,920 Speaker 1: thing is you just mentioned is support. UM. So I 174 00:09:50,960 --> 00:09:55,120 Speaker 1: am married. I have a husband, UM, who is a 175 00:09:55,200 --> 00:09:58,720 Speaker 1: traditional husband in the sense that he pays all the bills. 176 00:09:59,480 --> 00:10:04,280 Speaker 1: So it wasn't a situation where I was, you know, 177 00:10:04,480 --> 00:10:06,720 Speaker 1: deciding whether I'm gonna pay my rent or open up 178 00:10:06,760 --> 00:10:09,880 Speaker 1: my law firm. You know, I didn't have to think 179 00:10:09,920 --> 00:10:13,640 Speaker 1: about something that some some people have to think about. 180 00:10:14,000 --> 00:10:17,720 Speaker 1: So the fear of paying bills and all that stuff 181 00:10:17,760 --> 00:10:20,439 Speaker 1: that was removed because the support that I had from 182 00:10:20,440 --> 00:10:25,040 Speaker 1: my husband. UM. Now with that support, of course, you 183 00:10:25,160 --> 00:10:28,280 Speaker 1: still have to have the focus and the mindset to 184 00:10:28,559 --> 00:10:31,560 Speaker 1: actually go out here and get business and and find 185 00:10:31,679 --> 00:10:35,360 Speaker 1: ways to be successful. But I honestly couldn't have any 186 00:10:35,400 --> 00:10:39,080 Speaker 1: of that without the support of of my family. That 187 00:10:39,280 --> 00:10:42,000 Speaker 1: is that was that was paramount and me opening up 188 00:10:42,040 --> 00:10:44,720 Speaker 1: my law firm. Now we got two calls for you 189 00:10:44,840 --> 00:10:47,800 Speaker 1: right now. Are you ready? Okay? Nikki from Atlanta? How 190 00:10:47,840 --> 00:10:53,280 Speaker 1: are you doing, Nikki Hi resonnighting great? We have Tiffany 191 00:10:53,320 --> 00:10:57,160 Speaker 1: on the call. What is your call today about? Hi, Tiffany, 192 00:10:57,320 --> 00:11:00,120 Speaker 1: I'm a real chest what I'm a real starry nights off, 193 00:11:00,200 --> 00:11:02,920 Speaker 1: but I'm a realtor and I'm just gonna give you 194 00:11:02,960 --> 00:11:07,480 Speaker 1: props because you know, we do look for closing attorneys 195 00:11:07,920 --> 00:11:10,880 Speaker 1: that return our calls and get the paperwork done on time, 196 00:11:10,960 --> 00:11:14,319 Speaker 1: that do it right, have no issues with titles, etcetera. 197 00:11:14,760 --> 00:11:17,080 Speaker 1: And you must be doing something right. So I really 198 00:11:17,080 --> 00:11:19,920 Speaker 1: have calling into just pat you on the back and 199 00:11:19,960 --> 00:11:22,559 Speaker 1: say you must be doing a great job. And I'm 200 00:11:22,559 --> 00:11:25,079 Speaker 1: gonna look you up and see you know what's going on, 201 00:11:25,120 --> 00:11:29,240 Speaker 1: because we are always looking for a great, great closing attorney. 202 00:11:29,320 --> 00:11:33,920 Speaker 1: So I just really want to Colin and congratulate you well. 203 00:11:33,960 --> 00:11:37,320 Speaker 1: Thank you so much, Nicky. Sometimes this industry is crazy. 204 00:11:37,360 --> 00:11:39,800 Speaker 1: If you're a real estate agent then then you know. 205 00:11:40,000 --> 00:11:42,360 Speaker 1: So we're always trying to do, you know, the best 206 00:11:42,360 --> 00:11:45,400 Speaker 1: that we can to just make our way through the 207 00:11:45,440 --> 00:11:48,920 Speaker 1: craziness of a real estate transaction. So it's always good 208 00:11:49,440 --> 00:11:52,080 Speaker 1: um to get that pat on the back, um, just 209 00:11:52,160 --> 00:11:54,880 Speaker 1: to keep us going. You know, a real estate is brutal, 210 00:11:56,880 --> 00:12:00,760 Speaker 1: it is. I was gonna say it really is. And 211 00:12:00,800 --> 00:12:04,360 Speaker 1: because you're dealing with, you know, such a large purchase, 212 00:12:05,120 --> 00:12:08,960 Speaker 1: the um the buyers or sellers can do. You know, 213 00:12:09,040 --> 00:12:14,240 Speaker 1: it's just an emotional roller coaster drive. But you know, 214 00:12:14,480 --> 00:12:17,480 Speaker 1: if you have a good closing attorney that can keep 215 00:12:17,520 --> 00:12:21,520 Speaker 1: everybody staying at the table, you know, obviously you're doing 216 00:12:21,559 --> 00:12:24,720 Speaker 1: something right. So good job. Well, yes, so at our 217 00:12:24,760 --> 00:12:29,839 Speaker 1: closing table we have Margarita's and wine and so keep 218 00:12:29,880 --> 00:12:34,199 Speaker 1: you called that you called? Yes, well you know the 219 00:12:34,800 --> 00:12:37,800 Speaker 1: thing what she called in. Let me just roll back 220 00:12:37,800 --> 00:12:41,480 Speaker 1: here a little bit because obviously by Nikki's response, there 221 00:12:41,520 --> 00:12:45,120 Speaker 1: are certain there there's different type of closing attorneys. You 222 00:12:45,200 --> 00:12:50,280 Speaker 1: try to bring levity and calmness and celebration to your clothes, right, 223 00:12:50,640 --> 00:12:54,920 Speaker 1: and so now that's different. Now, what what makes you 224 00:12:54,960 --> 00:12:56,840 Speaker 1: What makes it good? I may have asked it, but 225 00:12:57,120 --> 00:13:03,000 Speaker 1: having her call in what makes a really good closing attorney? Um? 226 00:13:03,120 --> 00:13:06,640 Speaker 1: The what really makes a good closing attorney is just 227 00:13:06,800 --> 00:13:12,079 Speaker 1: the ability to relate to the party. Like said, real 228 00:13:12,200 --> 00:13:15,760 Speaker 1: estate is very emotional. The sellers are on high emotions. 229 00:13:16,160 --> 00:13:18,760 Speaker 1: Number one. They may be selling a home that they 230 00:13:18,800 --> 00:13:22,040 Speaker 1: have like emotional ties to their kids may have been 231 00:13:22,040 --> 00:13:24,840 Speaker 1: born there, they may have lived there for several years, 232 00:13:24,960 --> 00:13:27,439 Speaker 1: and so although they may be walking away with a check, 233 00:13:27,920 --> 00:13:32,000 Speaker 1: it's still a very anxious and emotional time for them 234 00:13:32,200 --> 00:13:35,440 Speaker 1: and for the buyers. You know, getting financing for a 235 00:13:35,480 --> 00:13:37,760 Speaker 1: home is not easy. You go through a lot of 236 00:13:37,880 --> 00:13:41,360 Speaker 1: ups and downs. The lenders take you through hell and 237 00:13:41,440 --> 00:13:43,880 Speaker 1: back just to get the money, you know, to buy 238 00:13:43,880 --> 00:13:46,400 Speaker 1: your home. So a lot of times, once you get 239 00:13:46,440 --> 00:13:50,400 Speaker 1: to the closing table, you're honestly exhausted. Now, you know, 240 00:13:51,120 --> 00:13:53,920 Speaker 1: I have to bring you from that point of exhaustion 241 00:13:54,320 --> 00:13:58,319 Speaker 1: to now realizing that this is a happy occasion for you. 242 00:13:58,400 --> 00:14:02,520 Speaker 1: Let's celebrate home owner ships. UM. Let's celebrate the ability 243 00:14:02,600 --> 00:14:06,319 Speaker 1: to purchase homes and sell them and create wealth for 244 00:14:06,400 --> 00:14:11,160 Speaker 1: our families. And that's really what separates me apart from 245 00:14:11,559 --> 00:14:15,120 Speaker 1: other attorneys, just my ability to relate to people on 246 00:14:15,240 --> 00:14:18,920 Speaker 1: all levels. You know, I close your standards. Buyer and 247 00:14:18,960 --> 00:14:22,920 Speaker 1: seller are closed. Celebrities are close athletes, um, And you 248 00:14:23,080 --> 00:14:25,400 Speaker 1: just got to come to people where they are. And 249 00:14:25,480 --> 00:14:27,920 Speaker 1: when people know that you can relate to them, it 250 00:14:28,040 --> 00:14:30,960 Speaker 1: just makes for an easier transaction. We'll be right back 251 00:14:31,000 --> 00:14:37,720 Speaker 1: with more money Making Conversations. Masterclass with Rashan McDonald now 252 00:14:37,800 --> 00:14:42,760 Speaker 1: let's return to Money Making Conversations Masterclass with Rashan McDonald. 253 00:14:43,120 --> 00:14:45,840 Speaker 1: You are articulate, you have three kids. Do you have 254 00:14:45,880 --> 00:14:48,280 Speaker 1: a husband who as your back your employee? Loving people? 255 00:14:49,040 --> 00:14:51,640 Speaker 1: You are very busy. I'm sure you do a lot 256 00:14:51,640 --> 00:14:55,280 Speaker 1: of speaking engagements. How do you have time to do 257 00:14:55,320 --> 00:14:59,160 Speaker 1: a television show on own that call that entitled Ladies 258 00:14:59,200 --> 00:15:02,680 Speaker 1: Who Listed Latin? How did that come about? Activity? Because 259 00:15:02,680 --> 00:15:09,960 Speaker 1: your schedule seems pretty robots. My stential is definitely busy, 260 00:15:10,080 --> 00:15:16,400 Speaker 1: but a lot of my schedule is surrounded with real estate. UM. 261 00:15:16,440 --> 00:15:20,480 Speaker 1: The show is a real estate show, and so this 262 00:15:20,560 --> 00:15:24,520 Speaker 1: is not you know, Real Housewives of Atlanta or um 263 00:15:25,320 --> 00:15:27,520 Speaker 1: any show like that where I would have to actually 264 00:15:27,600 --> 00:15:31,600 Speaker 1: change the trajectory of my life. This is about real estate, 265 00:15:31,760 --> 00:15:35,040 Speaker 1: and it's in my life. It's surrounded about real estate. 266 00:15:35,120 --> 00:15:37,480 Speaker 1: So it was an easy thing for me. There's not 267 00:15:37,560 --> 00:15:40,320 Speaker 1: basketball wives, you know, there's not all that over there, 268 00:15:40,400 --> 00:15:42,520 Speaker 1: you know, all over that. And we're not saying anything 269 00:15:42,640 --> 00:15:45,560 Speaker 1: negative about Real Housewives of Atlanta. What she's saying is 270 00:15:45,600 --> 00:15:48,880 Speaker 1: that she was invited to come on the show that 271 00:15:49,280 --> 00:15:52,080 Speaker 1: aligned yourself with her career. In her background what she 272 00:15:52,160 --> 00:15:56,240 Speaker 1: does real estate, So it wasn't like a fictionalized role 273 00:15:56,400 --> 00:15:59,960 Speaker 1: or character she had to play or scripted. Basically, they're 274 00:16:00,120 --> 00:16:02,160 Speaker 1: kind of like recording what you do for a living 275 00:16:02,200 --> 00:16:08,360 Speaker 1: correct correct exactly. The unincorporated a lot of my family 276 00:16:08,560 --> 00:16:12,360 Speaker 1: with as well, and so it was just something that 277 00:16:12,400 --> 00:16:15,600 Speaker 1: would aligned with my lifestyle. Now, with that being said, 278 00:16:15,760 --> 00:16:20,760 Speaker 1: are you enjoying being No? No, being uh a notice 279 00:16:20,800 --> 00:16:23,720 Speaker 1: on the streets being what is that and what is 280 00:16:23,760 --> 00:16:26,880 Speaker 1: that participation in the TV show done for your brand? 281 00:16:29,160 --> 00:16:31,880 Speaker 1: It's a little weird for me when I go into 282 00:16:31,960 --> 00:16:35,720 Speaker 1: public cases and people know who I am and they're like, 283 00:16:35,800 --> 00:16:39,720 Speaker 1: oh my god, there's a celebrity. They don't do that. 284 00:16:39,800 --> 00:16:41,880 Speaker 1: If they'll do the oh my god, dude, oh my god, 285 00:16:42,120 --> 00:16:45,920 Speaker 1: I'm just Tiffany, or they want to take pictures and 286 00:16:45,960 --> 00:16:48,880 Speaker 1: I'm like, no, I'm just I'm just Tippany. I'm nobody. 287 00:16:49,080 --> 00:16:51,560 Speaker 1: I'm nobody's special and you know, I'm just, you know, 288 00:16:52,040 --> 00:16:54,680 Speaker 1: just a regular person. Well, I'm gonna tell you this, 289 00:16:55,080 --> 00:16:57,480 Speaker 1: you're not a regular person because people want to call 290 00:16:57,560 --> 00:16:59,640 Speaker 1: and talk to you on my show. We got another call. 291 00:16:59,720 --> 00:17:03,160 Speaker 1: If ready for another call? Sandra Sandro from Atlanta. How 292 00:17:03,240 --> 00:17:05,760 Speaker 1: you do Sandra, You're on the call with Tiffany halls, 293 00:17:06,080 --> 00:17:10,040 Speaker 1: the very humble who doesn't like getting not brought to 294 00:17:10,160 --> 00:17:14,720 Speaker 1: in public? Oh my god, it's Tiffany. Oh my god, Sandra, 295 00:17:14,960 --> 00:17:21,160 Speaker 1: what is your question for the humble? And you know, regular, regular, 296 00:17:21,280 --> 00:17:26,280 Speaker 1: regular regulatiffty can you guys hear me a little? But 297 00:17:26,359 --> 00:17:29,200 Speaker 1: I love the show she was on. I love her spirit. 298 00:17:29,720 --> 00:17:33,080 Speaker 1: She's beautiful, and God is gonna always continue to bless 299 00:17:33,080 --> 00:17:35,600 Speaker 1: her her family. But I had one quick question. I'm 300 00:17:35,640 --> 00:17:38,440 Speaker 1: kind of embarrassed about this question, but I'm gonna ask. 301 00:17:38,720 --> 00:17:43,080 Speaker 1: Is this I've always wretched I'm almost sixty years old. 302 00:17:44,359 --> 00:17:49,920 Speaker 1: Is the age factor a factor? Is first time home ownership? 303 00:17:51,640 --> 00:17:56,000 Speaker 1: Absolutely not. In fact, the benefit of actually purchasing a 304 00:17:56,119 --> 00:17:59,080 Speaker 1: home as you get older is that in some counties, 305 00:17:59,760 --> 00:18:04,040 Speaker 1: like when your large metro counties, they have senior exemptions 306 00:18:04,080 --> 00:18:07,480 Speaker 1: for taxes where you don't have to even pay the 307 00:18:07,600 --> 00:18:12,520 Speaker 1: school taxes on your tax bill. And that is um 308 00:18:12,600 --> 00:18:15,600 Speaker 1: the majority of the tax bill. So if your tax 309 00:18:15,720 --> 00:18:19,800 Speaker 1: bill is four thousand dollars and you get the senior exemption, 310 00:18:20,520 --> 00:18:23,439 Speaker 1: your tax bill may go down to five hundred dollars. 311 00:18:23,520 --> 00:18:27,520 Speaker 1: And so now instead of s growing um based on 312 00:18:27,600 --> 00:18:30,240 Speaker 1: a four thousand dollar tax bill, you're now s growing 313 00:18:30,240 --> 00:18:32,760 Speaker 1: based on a five hundred dollar tax bill, so your 314 00:18:32,800 --> 00:18:38,560 Speaker 1: payment is even lower. So there's tons of benefits for purchasing, 315 00:18:39,119 --> 00:18:42,720 Speaker 1: you know, a home. Even if you're not young, you 316 00:18:42,840 --> 00:18:48,360 Speaker 1: still have the ability to purchase something for your family. Yeah, okay, 317 00:18:48,560 --> 00:18:52,080 Speaker 1: because I had thought about homeownership and then felt like, 318 00:18:52,359 --> 00:18:57,000 Speaker 1: fel well, I'm too old of all the home. But anyway, 319 00:18:57,160 --> 00:18:59,359 Speaker 1: and I was thinking, well, maybe I can get something 320 00:18:59,400 --> 00:19:01,960 Speaker 1: and putting in my daughter's name, and would that be 321 00:19:02,119 --> 00:19:05,640 Speaker 1: a u something to consider because I know as time 322 00:19:05,720 --> 00:19:07,920 Speaker 1: go on then she could just have it or however 323 00:19:08,720 --> 00:19:11,600 Speaker 1: and just we both have our names on the deed. 324 00:19:11,760 --> 00:19:14,159 Speaker 1: Is that a possibility? So let me just change your 325 00:19:14,160 --> 00:19:17,199 Speaker 1: sons and sand get that home in your name. It's 326 00:19:17,240 --> 00:19:19,560 Speaker 1: called a will. You know, get a will, get a will, 327 00:19:20,119 --> 00:19:24,080 Speaker 1: live your life. Gusto. You know, that's one thing I 328 00:19:24,080 --> 00:19:28,320 Speaker 1: always getting on black people, African Americans about you are 329 00:19:28,400 --> 00:19:31,280 Speaker 1: a special person. First of all, age and not be 330 00:19:31,359 --> 00:19:34,479 Speaker 1: an excuse. Did anybody listen to me? Do not If 331 00:19:34,520 --> 00:19:36,160 Speaker 1: you're seven years old you want to buy a house, 332 00:19:36,200 --> 00:19:39,240 Speaker 1: buy and you're able to buy ninety years old. If 333 00:19:39,240 --> 00:19:41,399 Speaker 1: you look at the house while you rolling down the street, 334 00:19:41,920 --> 00:19:44,480 Speaker 1: and you're able to buy and go by, because that's 335 00:19:44,520 --> 00:19:48,800 Speaker 1: what life is about. A life is about adventure, guaranteed. 336 00:19:49,000 --> 00:19:52,600 Speaker 1: Come on, Tiffany, wrap it up, Timy, you you're the motivator. 337 00:19:52,640 --> 00:19:59,320 Speaker 1: Come on differently each other, tell them saying okay, something 338 00:19:59,359 --> 00:20:01,159 Speaker 1: else can tell think it happened to you at that 339 00:20:01,240 --> 00:20:04,880 Speaker 1: young age. Um, I'm totally in agreement. Don't ever let 340 00:20:04,920 --> 00:20:08,120 Speaker 1: age stop you from doing anything any day that you 341 00:20:08,160 --> 00:20:11,040 Speaker 1: wake up living in a day worth going after what 342 00:20:11,119 --> 00:20:16,199 Speaker 1: you want in life. You hear that sounds don't do, 343 00:20:16,560 --> 00:20:22,280 Speaker 1: don't hurt anyway. I like her from the show Chilled. 344 00:20:22,400 --> 00:20:24,760 Speaker 1: She don't like a lot of bes. I'm like her. 345 00:20:25,000 --> 00:20:26,760 Speaker 1: And when we got heard her on the radio, I'm like, 346 00:20:26,760 --> 00:20:30,480 Speaker 1: I gotta figure out how to call it that. I 347 00:20:30,560 --> 00:20:32,920 Speaker 1: have to figure this out. Well, I'm gonna teach some 348 00:20:32,920 --> 00:20:35,840 Speaker 1: some tea, some sund I'm gonna slow you down before 349 00:20:35,840 --> 00:20:37,439 Speaker 1: you say a word on my little show and they 350 00:20:37,480 --> 00:20:39,360 Speaker 1: get me taken off the You already said the word 351 00:20:39,400 --> 00:20:43,520 Speaker 1: that bs. We can't get with no farther than that. Okay, 352 00:20:42,520 --> 00:20:47,639 Speaker 1: now sound listen to me. Now you're special, okay, and 353 00:20:48,040 --> 00:20:50,000 Speaker 1: it's a blessing. You have a dog you can share 354 00:20:50,280 --> 00:20:52,879 Speaker 1: this opportunity with if you can get. You know, you 355 00:20:52,920 --> 00:20:55,760 Speaker 1: already got the closing attorney. She's the real deal. It's 356 00:20:55,800 --> 00:20:59,640 Speaker 1: Tiffany Halls. Okay, So go out there and find that home. 357 00:21:00,240 --> 00:21:01,800 Speaker 1: You know it might be a little tight right now 358 00:21:01,800 --> 00:21:05,000 Speaker 1: because home mortgages are inching up and they're doing that 359 00:21:05,080 --> 00:21:07,600 Speaker 1: to slow down home purchases. You know. That's what they 360 00:21:07,680 --> 00:21:09,880 Speaker 1: do when they inflation. They raised the interest rate. That's 361 00:21:09,880 --> 00:21:13,000 Speaker 1: how they bring prices down because everything is available. It's 362 00:21:13,200 --> 00:21:15,240 Speaker 1: kind of weird how they do. They make you spend 363 00:21:15,280 --> 00:21:18,919 Speaker 1: money so you can stop spending money. That's how inflation works. 364 00:21:19,119 --> 00:21:21,080 Speaker 1: The battle left, but it shouldn't stop you from going 365 00:21:21,080 --> 00:21:23,359 Speaker 1: out there, taking your time. It doesn't have to be 366 00:21:23,400 --> 00:21:25,560 Speaker 1: a big home, just a home that you love. But 367 00:21:25,640 --> 00:21:27,880 Speaker 1: one thing for sure, I'm gonna give you this advice. 368 00:21:28,400 --> 00:21:30,879 Speaker 1: Whatever home you want to buy, go by there in 369 00:21:30,880 --> 00:21:34,399 Speaker 1: the daytime, go by there at noon, go by there 370 00:21:34,400 --> 00:21:37,880 Speaker 1: at night, go by there on the weekends. Because your 371 00:21:37,960 --> 00:21:41,040 Speaker 1: neighbors what you can't pick at. Your neighbors want you 372 00:21:41,119 --> 00:21:43,720 Speaker 1: buy that home. That's who you got on the left 373 00:21:43,720 --> 00:21:45,600 Speaker 1: and the right and in front of your in behind you. 374 00:21:46,080 --> 00:21:48,840 Speaker 1: So take your time. It might be a cute little house, 375 00:21:49,000 --> 00:21:52,960 Speaker 1: but make sure who you living next to is somebody 376 00:21:53,000 --> 00:21:56,680 Speaker 1: that you want to be next to? Is that correctify? 377 00:21:58,560 --> 00:22:02,120 Speaker 1: Because you can not change your neighbors. Absolutely, Soandre, thank 378 00:22:02,119 --> 00:22:03,880 Speaker 1: you for calling in. We're about to wrap up this show, 379 00:22:04,960 --> 00:22:07,040 Speaker 1: and I appreciate you. Stay a fan of her? Okay 380 00:22:07,119 --> 00:22:09,880 Speaker 1: of hers? Okay, so yeah, I will. I can't wait 381 00:22:09,880 --> 00:22:11,920 Speaker 1: till the next show come on? When are they coming? 382 00:22:12,960 --> 00:22:17,280 Speaker 1: She's on the own network? Ladies who list Atlanta or Tiffany. 383 00:22:17,440 --> 00:22:20,240 Speaker 1: I'll tell you something. We were wrapping up the show here. Yeah, 384 00:22:20,320 --> 00:22:22,520 Speaker 1: blew up my phone. People calling in want to know 385 00:22:22,560 --> 00:22:25,000 Speaker 1: what's going on. It means that you bring something, some 386 00:22:25,280 --> 00:22:27,639 Speaker 1: great quality of life. And I want to appreciate you 387 00:22:27,680 --> 00:22:29,400 Speaker 1: for coming on my show and I hopefully come back, 388 00:22:30,000 --> 00:22:31,840 Speaker 1: but this time you're being studios. We have a lot 389 00:22:31,840 --> 00:22:35,640 Speaker 1: of fun. Yes, sounds good to me. Just connect with 390 00:22:35,680 --> 00:22:38,359 Speaker 1: me via m I and let's make that happen. Okay. 391 00:22:38,400 --> 00:22:41,240 Speaker 1: I appreciate you, and stay safe. Tell your husband high 392 00:22:41,280 --> 00:22:43,679 Speaker 1: for allowing me a few times in the afternoon, and 393 00:22:43,720 --> 00:22:47,280 Speaker 1: your children stay blessed. Alright, Tiffany, all right you too. 394 00:22:47,320 --> 00:22:49,560 Speaker 1: I'll talk to yourself. Oh definitely, definitely. And I wanted 395 00:22:49,560 --> 00:22:52,800 Speaker 1: to tell everybody who listened to Money Making Conversation Again. 396 00:22:53,200 --> 00:22:56,760 Speaker 1: Sandra called in on the show about age. We let 397 00:22:56,840 --> 00:22:59,320 Speaker 1: we allow that limit and limits us so much and 398 00:22:59,320 --> 00:23:01,320 Speaker 1: what we want to do in our lives. We get thirty, 399 00:23:01,400 --> 00:23:04,760 Speaker 1: we think we've not not in and we're not inspired 400 00:23:04,800 --> 00:23:07,679 Speaker 1: to do anything. Fardy, we start regretting our life. Fifty, 401 00:23:08,000 --> 00:23:10,640 Speaker 1: we're trying to run the retirement. There's no such thing 402 00:23:10,680 --> 00:23:13,360 Speaker 1: that there's nothing to run to look in the mirror, everybody, 403 00:23:13,680 --> 00:23:15,680 Speaker 1: You can be whatever you want to be, as long 404 00:23:15,720 --> 00:23:17,720 Speaker 1: as you want to put forth the effort to be 405 00:23:17,800 --> 00:23:19,920 Speaker 1: that person that you want to be. Um with Sean 406 00:23:20,000 --> 00:23:22,760 Speaker 1: McDonald host The Money Making convers his masterclass. See you 407 00:23:22,800 --> 00:23:24,359 Speaker 1: next week. I'll talk to you next week.