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Speaker 2: Welcome back, Welcome back, Earn your Liegia's Podcast Episode nine.

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Speaker 2: Before we start anything, we just want to thank you

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Speaker 2: guys again for rocco with us throughout this journey. We

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Speaker 2: want to remind you guys to subscribe to our YouTube channel.

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Speaker 2: Earn Your Lesia make sure you turn on our notifications. Also,

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Speaker 2: our website is up Earn a lisia dot com. We

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Speaker 2: had some difficulties with it early on, but that's up

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Speaker 2: and running. So we have all the info for the

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Speaker 2: podcast listings. We have our YouTube on there. We also

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Speaker 2: have our merch shop up the Merchants Dope. We have

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Speaker 2: a bunch of dope shirts and it's gonna be even

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Speaker 2: more stuff that we're gonna roll out, but make sure

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Speaker 2: you check the merch out and so our Patreon is

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Speaker 2: up as well. That is also on the website and

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Speaker 2: that's a way for just extra support and if you

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Speaker 2: want extended dialogue, you know, just kind of follow the

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Speaker 2: journey a little bit more. It's all laid out. So

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Speaker 2: that's on there as well. Feel free to support. So, yes,

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Speaker 2: we are jumping right into it with the marijuana business.

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Speaker 3: So back home smoking legal, all right.

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Speaker 4: So that that was a line that Drake said in

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Speaker 4: Meek Mills's song, And it's important that people take note

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Speaker 4: of what we're about to say because we're not saying

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Speaker 4: we're four again.

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Speaker 3: We're just gonna give.

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Speaker 2: Them some fast. It's not a stance. It's not a stance.

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Speaker 2: Look me personally, I don't smoke. I never smoked. I

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Speaker 2: don't have anything against anybody that smokes. It's personal preference.

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Speaker 2: But I'm not saying we're not saying that it should

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Speaker 2: be legal, that it shouldn't be legal. We're just laying

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Speaker 2: out the facts, giving you dialogue and just something to

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Speaker 2: think about.

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Speaker 4: And we're gonna look at it from the business perspective

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Speaker 4: because it is a multi billion dollar business and I'm

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Speaker 4: not sure if people really understand the potential growth that

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Speaker 4: the marijuana business has. But we're going to break it

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Speaker 4: down and talk about some people who have invested in

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Speaker 4: the business and are seeing some benefits already. So well,

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Speaker 4: let's just start from a legality standpoint.

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Speaker 2: Well, let's start even before we go there, I want

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Speaker 2: I want to give a quick story that we put

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Speaker 2: on our Instagram page of Al Harrington.

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Speaker 3: Shout out to him.

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Speaker 2: Shout out to Al Harrington. Anybody not familiar with hol Harrington.

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Speaker 2: How Harrington was an NBA player for I think like

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Speaker 2: ten years something like that.

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Speaker 3: He had an extended career.

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Speaker 2: Yeah, he was in the lead for a while. Yeah,

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Speaker 2: and he towards the end of his career he started

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Speaker 2: getting a lot of injuries. Right, So, how he was

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Speaker 2: able to cope with the injuries that he started to smoke.

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Speaker 4: He started, so he had a couple of knee surgeries,

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Speaker 4: and one of the knee surgeries actually the effect of it,

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Speaker 4: he had a staff infection, and he was prescribed all

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Speaker 4: types of medicines and they really weren't working for him.

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Speaker 4: And he figured out, hey, I'm in a state and

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Speaker 4: twenty eleven twenty twelve season, I think he gets hurt

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Speaker 4: and he's he's in a state where marijuana is now

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Speaker 4: legal for medical use, Colorado. So he's playing for the

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Speaker 4: Nuggets Deviver Nuggets at the time, and he's in Colorado.

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Speaker 4: In twenty twelve, they passed medical marijuana to be used

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Speaker 4: for digital marijuana, and he decides, I'm gonna try this now.

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Speaker 4: He never smoked too, He had your stance. He had

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Speaker 4: never smoked, and he stands by that throughout high school.

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Speaker 3: And even the professionally.

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Speaker 4: You never smoked, but decided, you know, after reading up

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Speaker 4: on it, I'm going to give it a try. And

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Speaker 4: he sees the benefits of it right away.

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Speaker 2: Yeah. So, and then also what he does is that,

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Speaker 2: you know, the NBA has strict guidelines as far as drugs.

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Speaker 2: Weed is still considered the drug right in most states.

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Speaker 3: And still illegal federally.

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Speaker 2: Federally, yes, So he invests five million dollars into a

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Speaker 2: marijuana company because he sees the business side of it

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Speaker 2: once he starts to see the medical benefits of it,

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Speaker 2: but he doesn't want to put his name on it. Yeah,

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Speaker 2: so he does it through his cousin's name right right

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Speaker 2: into a company named Viola Viola Astracts. So now the

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Speaker 2: company is in four different states, it employs seventy employees,

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Speaker 2: and he's looking to have a future billion dollar valuation

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Speaker 2: once and if it goes legal on a national level.

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Speaker 2: So now he's like a spokesperson because he's not in

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Speaker 2: the league anymore, so he doesn't have to worry about backlash.

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Speaker 2: And it's actually ironic because I just saw on All

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Speaker 2: Star weekend where the NBA invited him to come in

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Speaker 2: and speak to the players stuff like that. So they're

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Speaker 2: actually embracing him as a marijuana ambassador. Yeah, he had

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Speaker 2: a big co sign.

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Speaker 4: David Stern, who was the former NBA commissioner, said, you

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Speaker 4: know what, I didn't believe, didn't believe in that stance

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Speaker 4: that players should be able to use it. But now

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Speaker 4: listening to Al Harrington after he met with him a

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Speaker 4: few times, he's like, you know what, Al, If it's

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Speaker 4: going to keep players on the court and not sit

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Speaker 4: out games and rest, I'm all for it. Now he's

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Speaker 4: not the commission anymore, Adam silver is, but that's.

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Speaker 3: A big co sign.

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Speaker 4: That's a you know, he's a former commission of a

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Speaker 4: major sports league in America, So that's a huge co sign.

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Speaker 2: No, it is. And the thing about it also, so

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Speaker 2: now we have to talk about some legalities of it. Right.

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Speaker 2: So there's a lot of different complexities in the marijuana industry,

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Speaker 2: marijuana business, right. So one of the main issues is

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Speaker 2: that some states it's legal, but it's still not legal

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Speaker 2: on a federal level.

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Speaker 4: Right, So thirty three states allow medical marijuana. We live

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Speaker 4: in New York is one of those states. But then

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Speaker 4: there are ten states who have legalized recreational which means

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Speaker 4: you're allowed to carry it.

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Speaker 3: I believe up to one ounce.

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Speaker 4: If it's something you carry and if it's like a concentrate,

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Speaker 4: which means it's in an edible product, I think it's

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Speaker 4: maybe one eighth of an ounce. So the ten states,

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Speaker 4: and you said that Al Harrington has seventy employees. Obviously,

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Speaker 4: his employees are from for of those states, California, Oregon, Washington, Michigan, Vermont, Maine, Nevada, Alaska,

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Speaker 4: New Hampshire. I think maybe not yet, not yet. New

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Speaker 4: Mexico is like going to be the next one. So

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Speaker 4: there's ten and obviously Washington, DC we say states, but

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Speaker 4: the District of Columbia also has medical and recreational.

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Speaker 2: Yeah. So it's interesting because before, like a couple of

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Speaker 2: years ago, one of the biggest businesses in Colorado when

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Speaker 2: Colorado first legalized marijuana, one of the biggest businesses was security.

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Speaker 2: So they had all these Navy seals and ex marines

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Speaker 2: and things of that nature that were like carrying m

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Speaker 2: sixteens and machine guns, and they would arm security for

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Speaker 2: the dispensaries. Because the dispensaries was a cash business, they

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Speaker 2: couldn't accept credit cards and they couldn't put their money

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Speaker 2: in banks, so they literally had warehouses full of cash, right,

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Speaker 2: and obviously you have warehouses full of cash, you're a target.

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Speaker 2: That's dangerous. So being at the security business in Colorado

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Speaker 2: were like skyrocketed overnight because they couldn't So now what's

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Speaker 2: happening is that at that point in time, no bank

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Speaker 2: in the country wanted to even run the risk of

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Speaker 2: handling finances for a marijuana company because it's illegal. On

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Speaker 2: a federal level, you can get arrested.

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Speaker 4: Yeah, So there were some stories where you had shops

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Speaker 4: that would over dispensaries that would open up right on

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Speaker 4: a state level it was legal, but if the federal

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Speaker 4: government came in, they could shut you down pretty much.

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Speaker 2: Yeah.

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Speaker 3: So it's like it's a rest Yeah.

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Speaker 2: So but now there's actually four hundred I think four

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Speaker 2: hundred and eleven banks and credit unions that are currently

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Speaker 2: doing business with marijuana companies and they're looking to experience.

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Speaker 2: But there's actually a bill in Congress now from two

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Speaker 2: Democratic House members that wants to give safe haven to

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Speaker 2: any bank or any credit union to do business with

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Speaker 2: a marijuana company.

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Speaker 3: Yeah. So this is like a little fun fact.

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Speaker 4: So Colorado has more dispensaries than they have Starbucks and

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Speaker 4: McDonald's combined. And when we think of like franchises, like

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Speaker 4: obviously we said on a few episodes ago that McDonald's

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Speaker 4: was the largest franchise in the world, it is they

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Speaker 4: have more marijuana dispensaries than those two franchises combined.

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Speaker 3: So this is like a billion dollar business that's happening.

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Speaker 2: No, I mean it's like prohibition, right, Like a lot

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Speaker 2: of people don't really fully understand that alcohol was illegal

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Speaker 2: at one point.

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Speaker 4: Yeah, eighty years ago is when they started making marijuana illegal.

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Speaker 4: And that goes into a deeper discussion, right when we

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Speaker 4: look and there's a documentary it's called The House I

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Speaker 4: Live In and it talks about population control. Right, So

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Speaker 4: if people are doing things that are taken away from jobs,

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Speaker 4: from the people that dominate population, how do you stop it?

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Speaker 4: You start criminalizing the things they do. So if marijuana

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Speaker 4: was something that was being used and grown, let's criminalize that.

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Speaker 4: If it was in the West coast, right, and it

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Speaker 4: was opium that was being used, let's criminalize that. So

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Speaker 4: we've seen that there's a deeper history.

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Speaker 2: When I mean, even with this whole So you know

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Speaker 2: what POW stands for prison of war, right, So it's like, okay,

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Speaker 2: so now it's looking like the tide is turning on

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Speaker 2: this and marijuana is gonna be made legal. It's just

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Speaker 2: a matter of just a matter of time. So there's

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Speaker 2: the war on drugs, right, quote unquote, So how many

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Speaker 2: people are serving jail time for marijuana.

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Speaker 4: Ye, like that, shout out to Biggs, right, So that

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Speaker 4: was that was one of those dope quotes that I

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Speaker 4: think flew over people's heads. Like Big Bird, who was

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Speaker 4: one of the co founders of Rockefeller was locked up

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Speaker 4: for five years for marijuana charges, right, so and he

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Speaker 4: said that. I think Jay said that on the he

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Speaker 4: was like, shout out to Busi's back in the church

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Speaker 4: when I heard you got locked that that hurt took

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Speaker 4: a good dude, locked them over with some dirt, Like, yeah,

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Speaker 4: it's legal in Colorado. So it's like, it's crazy, right,

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Speaker 4: this dude did time, was away from his family, and

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Speaker 4: how many other people are just like that doing more

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Speaker 4: severe sentences for marijuana. And now in maybe five to

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Speaker 4: ten years, this is going to be something that's legal

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Speaker 4: legally nationally everywhere.

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Speaker 2: Yeah, And I think one of the things about it,

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Speaker 2: I've heard that if you have a criminal record in drugs,

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Speaker 2: you're not allowed to get a license to open up

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Speaker 2: a dispensary.

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Speaker 3: Yes, it's crazy, man.

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Speaker 4: So and that's so the blueprint has been laid because

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Speaker 4: when we think of the United States of America, right,

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Speaker 4: we think North America. There's obviously to other countries. Canada

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Speaker 4: has made marijuana legally throughout the entire nation, right, so

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Speaker 4: their country is completely federally fun that you can sell

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Speaker 4: and use marijuana in Canada, which is why we started

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Speaker 4: with the back home smoking legal because obviously Drake is

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Speaker 4: for Toronto. So when he says that line, that's real,

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Speaker 4: like the country of Canada is marijuana is legal.

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Speaker 2: Yeah, that's like we want to match, yall, somebody was

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Speaker 2: smoking weed. That's before this whole thing started to turn

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Speaker 2: and after about the NA something when he was like,

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Speaker 2: imagine smoking weed in the street without cops harassing.

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Speaker 3: That day is upon us.

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Speaker 2: That's a fact.

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Speaker 3: That day is upon us.

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Speaker 2: Man.

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Speaker 4: So we said it's a billion dollar business. Here's some

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Speaker 4: numbers behind it. In twenty seventeen, the marijuana legalization of

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Speaker 4: it has gross nine point seven billion in North America. Right,

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Speaker 4: they expected to have a eight percent increase over the

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Speaker 4: next four years, which would be mean by twenty twenty one,

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Speaker 4: it should be a twenty five billion dollar business.

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Speaker 3: Twenty five billion dollars just.

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Speaker 4: By legalizing something that a lot of people use in

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Speaker 4: all aspects of life. Doctors, lawyers, teachers, pickup profession, A

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Speaker 4: lot of people use the drug and there's benefits of it.

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Speaker 4: So when we talked about Al Harrington, one of the

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Speaker 4: things he said is that it's better than the prescription

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Speaker 4: drugs that they do because number one, it's natural. And

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Speaker 4: for him it was a pain relief and not just

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Speaker 4: smoking marijuana. But I think he was using marijuana cream.

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Speaker 4: I think he had a cream that had marijuana and

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Speaker 4: he was using that for his ailments. And he had

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Speaker 4: another person who said it was Steve Kerr, Steve Kurdit,

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Speaker 4: coach of Golden State Warriors Man. He was like, I

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Speaker 4: had back surgery in my career and rather than taking pills,

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Speaker 4: I was using marijuana.

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Speaker 2: Well, medicine is a drug, right, so prescription I mean

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Speaker 2: we see that now, right, opioid addiction. So if you

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Speaker 2: get prescribed volume or any other type of drug, that

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Speaker 2: probably has worse effects than marijuana.

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Speaker 3: Yeah, but as we see, you know, it was, it

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Speaker 3: was criminalized.

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Speaker 4: And recently this week we had David Irvin you see

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Speaker 4: their Cowboys player. No, he's quitting, so he got find no,

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Speaker 4: suspend it indefinitely.

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Speaker 3: From the NFL.

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Speaker 4: The NFL's rules on obviously the drug policies are very strict,

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Speaker 4: but he said he's quitting the NFL. He's gonna he's

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Speaker 4: gonna do smoke weed. And it was like a huge

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Speaker 4: thing and everybody was like, wait what, this doesn't even

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Speaker 4: make any sense. And his thing was like yo. His

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Speaker 4: his stance is like, I'm using it for medical reasons.

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Speaker 4: Why am I being suspended for it? So like now

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Speaker 4: these twenty five years old.

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Speaker 2: The NFL are they don't only lead that test for marijuana.

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Speaker 4: No, all leagues do, but the leniency is different. So

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Speaker 4: the NFL, and that was one of the things that

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Speaker 4: people are arguing, like why is this still a policy

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Speaker 4: right if people are using it to heal from injury and.

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Speaker 2: It's not performance enhancing drugs.

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Speaker 4: Right, So the argument is like we and I heard

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Speaker 4: Stephen A say this, he doesn't want to see his

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Speaker 4: ass the people that.

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Speaker 3: He's paying to come see inebriated.

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Speaker 4: And I'm like, okay, that's cool, but do you stop

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Speaker 4: them from drinking alcohol the night before the game?

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Speaker 3: Right?

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Speaker 4: Do you stop them from slover cigarettes an hour before

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Speaker 4: the game? So I mean it's a long list of

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Speaker 4: things that we can go into.

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Speaker 2: Yeah, I personally think that once you see laws being

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Speaker 2: passed or proposed to make it federally legal for banks

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Speaker 2: to harbor money. So once the money comes into the banks,

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Speaker 2: everything follows the money, right, So once the money comes

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Speaker 2: into the banks and that's legal, then it's just a

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Speaker 2: domino effect from there. So a lot of people are

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Speaker 2: interested in marijuana. I always tell people all the time,

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Speaker 2: do your research and understand what you're investing in because

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Speaker 2: there are a lot of companies and all companies aren't

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Speaker 2: the same. But that's interesting from a political standpoint because

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Speaker 2: like I said, the money always precedes the law. So

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Speaker 2: once the bank, if that bill actually does pass, it's

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Speaker 2: just a matter of time because there's too much money.

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Speaker 2: It's billion trillion dollars out there, and there's too much

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Speaker 2: money for it not to be capitalized on, for banks

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Speaker 2: not to take advantage of it, for institutions not to

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Speaker 2: take advantage of it, but everybody not take advantage of it.

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Speaker 2: So whether you're a pro or for it, probably will happen. Yeah,

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Speaker 2: it is what it is.

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Speaker 3: And Snoop Dogg probably the lead kind of sore.

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Speaker 4: He had a venture capital from that raised forty five

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Speaker 4: million dollars in three years, right, So people are investing

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Speaker 4: in it at an all time rate. Wes Khalif is

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Speaker 4: another guy who's made a career off the use of marijuana.

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Speaker 3: Same thing. And Mike Tyson, we just know about that.

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Speaker 2: Mike Tyson is opening a forty acre ranch in California, California,

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Speaker 2: So all right, well marijuana interesting. It's only gonna, you know,

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Speaker 2: get more headlines. I think as time goes and we'll see,

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Speaker 2: we'll see what happens.

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Speaker 4: Yeah, And just the last thing is that yesterday it's

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Speaker 4: legal in those states, but you have to be twenty one.

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Speaker 3: So how do we stop kids from using it?

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Speaker 4: So twenty one is the age that you have to

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Speaker 4: be in order to use recreational or medical marijuana.

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Speaker 2: Yes, smoke responsibly people. All right, now we're gonna go

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Speaker 2: into real estate. Right, We're gonna real estate is vast,

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Speaker 2: so we're gonna talk about we're gonna chop real estate

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Speaker 2: up into different segments with different shows. But today we're

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Speaker 2: going to talk about appraisals right home appraisals in We're

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Speaker 2: going to attack it from a different standpoint. So I

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Speaker 2: actually wrote a post about this on my Instagram page

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Speaker 2: a while back, if anybody follows me. So, there was

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Speaker 2: a recent study by the Bookings Institute in Gallop which

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Speaker 2: shows that homes and majority black neighborhoods are undervalued during

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Speaker 2: their paygel process by forty eight thousand dollars per home,

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Speaker 2: which amounts to one hundred and fifty six billion dollars

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Speaker 2: in primulative losses nationwide. So what happens is that they're

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Speaker 2: saying that black homes are valued at twenty three percent

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Speaker 2: lower than the white counterparts. So obviously how they do

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Speaker 2: that is that they base it like the same home, right,

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Speaker 2: so it has to be like three bedroom, two bath

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Speaker 2: home and a black neighborhood three badroom. Yeah, exactly comparable.

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Speaker 2: Who we call in the real estate industry comparables, right,

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Speaker 2: So they're not going to compare a one bedroom apartment

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Speaker 2: to a mansion. They compare the same exact home, same

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Speaker 2: exact space, backyard, all of.

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Speaker 3: That stuff within the same zip code.

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Speaker 2: Right. So on average, the black home is value that

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Speaker 2: forty eight thousand and less than the white home. So

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Speaker 2: what happens is that now it affects people in a

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Speaker 2: lot of different ways. Right. So now when you have

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Speaker 2: less value when you sell your home, right, you're getting

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Speaker 2: less money, right, You're also it lowers your net worth, right,

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Speaker 2: it lowers your equity that you can borrow from because

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Speaker 2: the value of the home is less. So it's a

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Speaker 2: lot of negative effects for that. Right. So some people

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Speaker 2: will say, okay, well, the reason that the black homes

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Speaker 2: and then black neighborhoods are lower than white neighborhoods is

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Speaker 2: because black neighborhoods unfortunately, a lot of times you have

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Speaker 2: higher crime rates. It sometimes maybe a longer commute, bad schools,

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Speaker 2: So all of that stuff plays a factor in the

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Speaker 2: home value. Right, And that's true, But the studies showed

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Speaker 2: that that only accounts for actually half of the devaluation.

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Speaker 2: So what happened to the other seventy eight billion? Right,

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Speaker 2: So that only accounted for one seventy eight billion, But

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Speaker 2: the other seventy eight billion is not accounting for in

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Speaker 2: all those other factors. So this this is what the

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Speaker 2: study show, not me. So the Booking Institute, in the Gallop,

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Speaker 2: they came to the conclusion that the other seventy eight

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Speaker 2: billion dollars in devaluation was solely due to one thing.

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Speaker 2: You know what that one thing is a racism. Right.

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Speaker 2: They just said that they just valued black homes lower. Right,

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Speaker 2: When a praiser comes, he just looks at a black

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Speaker 2: home as being worse less than a white home. It's

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Speaker 2: just that's what it is. That's what that's what it

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Speaker 2: accounted for. Right, So this is a troubling statistic, right,

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Speaker 2: for a lot of different reasons. But the main reason

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Speaker 2: is that, you know, one of the things that you know,

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Speaker 2: you always taught in America is that you do good

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Speaker 2: you buy a home. You know, that's like the number

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Speaker 2: one way to preserve wealth for your family. Do the

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Speaker 2: right things, and you can sell your home. But now, ay,

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Speaker 2: it's already discriminatory practices and actually buying a home, right,

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Speaker 2: that's been proven. And now even if you do buy

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Speaker 2: the home, it's devalued just because you live in it. Yeah. Right.

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Speaker 2: So it was interesting when I wrote that story because

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Speaker 2: a lot of people were going back and forth like, well,

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Speaker 2: I don't believe that. It's like, you know, a lot

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Speaker 2: of people don't believe that racism is actually real.

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Speaker 3: It's a real thing.

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Speaker 2: But the thing about it is that it doesn't even

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Speaker 2: affect people just in black neighborhood. They can affect a

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Speaker 2: white a black family living in a white neighborhood. Right. So,

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Speaker 2: as I said, so, a lot of times people were saying,

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Speaker 2: like this is just made up I don't believe it. Yeah,

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Speaker 2: so now being that we have a personal story to

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Speaker 2: confirm it, Yeah, you're going to go into your story. Yeah.

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Speaker 4: You know what when you wrote the article and I

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Speaker 4: had no idea you were writing an article, I thought

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Speaker 4: you were writing it about me. I honestly was like, Yo,

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Speaker 4: this guy just wrote my story. And I told you.

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Speaker 4: I'm like, oh, you serious, and you're like nah, this

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Speaker 4: is like factual needs, this is this is the evidence.

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Speaker 4: And I'm like, oh wow, this is really happening. So

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Speaker 4: uh two years ago, almost about two years ago, I

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Speaker 4: was in the process of buying a home and that

401
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Speaker 4: comes let's go back. I wasn't going to be in

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Speaker 4: the process if it wasn't for you. And that was

403
00:20:06,640 --> 00:20:09,960
Speaker 4: part of the early leisure conversation. My family was about

404
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Speaker 4: to move and you were like, hey, why don't you

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Speaker 4: go in and buy a home? And I was like, I

406
00:20:14,440 --> 00:20:16,919
Speaker 4: had not getten any thought. I'm like, you know what,

407
00:20:16,960 --> 00:20:19,040
Speaker 4: maybe maybe you was shot out, maybe I should do this.

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Speaker 4: So you sparked that in my mind, I'm like, all right, Well,

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Speaker 4: I presented the proposal to my family and they were like,

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Speaker 4: let's do this.

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Speaker 3: And one of the things we had to do was

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Speaker 3: get the house of praise.

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Speaker 4: Now, my family bought the home in twenty ten, and

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Speaker 4: the house was valued at five hundred and seventy five thousand.

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Speaker 4: That's what it was valued at. We bought it for

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Speaker 4: five hundred and twenty five thousand. That was a purchase

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Speaker 4: price in twenty ten. Long story short, part of my

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Speaker 4: family wanted to move to another area. So I came

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Speaker 4: in and I went in on a deal with my

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Speaker 4: father and.

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Speaker 3: We got the house.

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Speaker 4: And the process of praisal was an alarming one because

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Speaker 4: when he the appraisal I won't say his name, we're

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Speaker 4: actually still in there.

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Speaker 3: We wrote a Consumer Reports review about it.

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Speaker 4: The appraisal man came in and said that the house

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Speaker 4: had devalued. Now we have added things to the home,

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Speaker 4: you know, the typical things obviously stay in still furniture,

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Speaker 4: I mean stay in still, appliances, would floors, all all

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Speaker 4: the things that you would add to, you know, increase

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Speaker 4: value in your home. And in the eight year, eight

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Speaker 4: year period, the house went from being purchased at five

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Speaker 4: hundred and twenty five thousand to now being five hundred

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Speaker 4: and ten thousand.

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Speaker 2: So all right, so you brought a house in New

436
00:21:38,359 --> 00:21:41,480
Speaker 2: York in the suburbs of New York Westchester, which is

437
00:21:41,520 --> 00:21:44,720
Speaker 2: anybody's not familiar. It's affluent, pretty affluent neighborhood.

438
00:21:44,240 --> 00:21:45,080
Speaker 3: White plans in New York.

439
00:21:45,200 --> 00:21:48,240
Speaker 2: Okay, so you buy a house for five hundred and

440
00:21:48,800 --> 00:21:49,200
Speaker 2: how much?

441
00:21:49,560 --> 00:21:50,520
Speaker 3: Five hundred and twenty.

442
00:21:52,640 --> 00:21:56,320
Speaker 2: Yeah, seven years where there is no market correction. Real

443
00:21:56,440 --> 00:21:58,520
Speaker 2: estate has only gone up right in New York and

444
00:21:58,600 --> 00:22:01,720
Speaker 2: across America as a whole, but definitely.

445
00:22:01,440 --> 00:22:03,000
Speaker 3: And especially in this neighborhood.

446
00:22:03,200 --> 00:22:05,960
Speaker 2: Okay, you made improvements, You made improvements to the home,

447
00:22:06,960 --> 00:22:10,480
Speaker 2: and he said that the home was devalued by fifteen thousand.

448
00:22:10,680 --> 00:22:11,800
Speaker 3: Uh, fifteen thousand.

449
00:22:11,880 --> 00:22:12,400
Speaker 2: Yeah.

450
00:22:12,440 --> 00:22:14,359
Speaker 4: So like when you look at that, it's like, oh wait,

451
00:22:14,520 --> 00:22:16,280
Speaker 4: that's kind of crazy. But then you look at the

452
00:22:16,280 --> 00:22:20,000
Speaker 4: comparables because that's part of the appraisal process too.

453
00:22:20,520 --> 00:22:23,720
Speaker 3: So I looked at the comparables. Earners, what's up.

454
00:22:23,800 --> 00:22:27,320
Speaker 4: You ever walk into a small business and everything just works, like,

455
00:22:27,359 --> 00:22:30,840
Speaker 4: the checkout is fast, the receipts are digital, tipping is

456
00:22:30,840 --> 00:22:33,440
Speaker 4: a breeze, and you're out the door before the line

457
00:22:33,440 --> 00:22:38,120
Speaker 4: even builds. Odds are they're using Square. We love supporting

458
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459
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Speaker 4: Whether it's a local coffee shop, a vendor at a

460
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Speaker 4: pop up market, or even one of our merch partners.

461
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Speaker 4: Square makes it easy for them to take payments, manage inventory,

462
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Speaker 4: and run their business with confidence, all from one simple system.

463
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Speaker 4: If you're a business owner or even just thinking about

464
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Speaker 4: launching something soon, Square is hands down one of the

465
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466
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Speaker 4: It's not just about payments, it's about giving you time

467
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468
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469
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470
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471
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472
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Speaker 4: pushing your vision forward. This episode is brought to you

473
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Speaker 4: by P and C Bank. A lot of people think

474
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Speaker 4: podcasts about work are boring, and sure, they definitely can be,

475
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Speaker 4: but understanding a professionals routine shows us how they achieve

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478
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479
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480
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481
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483
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Speaker 4: C Financial Service Group, Inc. P and C Bank National

484
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485
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Speaker 5: An illegal alien from Guatemala charged with raping a child

486
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Speaker 5: in Massachusetts. An MS thirteen gang member from Al Salvador

487
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Speaker 5: accused of murdering a Texas man of Venezuelan charged with

488
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Speaker 5: filming and selling child pornography in Michigan. These are just

489
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Speaker 5: some of the heinous migrant criminals caught because of President

490
00:24:33,080 --> 00:24:36,600
Speaker 5: Donald J. Trump's leadership. I'm Christy Noman, the United States

491
00:24:36,680 --> 00:24:41,480
Speaker 5: Secretary of Homeland Security. Under President Trump, attempted illegal border

492
00:24:41,480 --> 00:24:45,040
Speaker 5: crossings are at the lowest levels ever recorded, and over

493
00:24:45,119 --> 00:24:48,320
Speaker 5: one hundred thousand illegal aliens have been arrested. If you

494
00:24:48,400 --> 00:24:52,240
Speaker 5: are here illegally, your next you will be fined nearly

495
00:24:52,320 --> 00:24:56,359
Speaker 5: one thousand dollars a day, imprisoned, and deported. You will

496
00:24:56,400 --> 00:24:59,960
Speaker 5: never return. But if you register using our CBP home

497
00:25:00,080 --> 00:25:03,440
Speaker 5: app and leave now, you could be allowed to return legally.

498
00:25:03,840 --> 00:25:08,560
Speaker 5: Do what's right. Leave now under President Trump, America's laws

499
00:25:08,720 --> 00:25:11,160
Speaker 5: border and families will be protected.

500
00:25:11,280 --> 00:25:14,240
Speaker 4: Sponsored by the United States Department of Homeland Security six hundred,

501
00:25:14,560 --> 00:25:18,840
Speaker 4: six hundred and fifty six hundred eighteen. We had an

502
00:25:18,880 --> 00:25:21,080
Speaker 4: offer on the table, like my brother was going to

503
00:25:21,119 --> 00:25:23,560
Speaker 4: sell the house before I stepped in, and the offer

504
00:25:23,640 --> 00:25:26,400
Speaker 4: was for six hundred, six hundred thousand, and you got

505
00:25:26,440 --> 00:25:29,359
Speaker 4: to praise that fifty five hundred and ten thousand.

506
00:25:30,480 --> 00:25:32,239
Speaker 2: And what do your neighbors look like?

507
00:25:34,080 --> 00:25:37,160
Speaker 3: My neighbors are from a.

508
00:25:36,560 --> 00:25:38,480
Speaker 2: Different ethnic background, ethnic back.

509
00:25:39,440 --> 00:25:44,000
Speaker 4: We have Hispanic neighbors, we have white neighbors. We have

510
00:25:44,080 --> 00:25:46,680
Speaker 4: a few black neighbors down the street.

511
00:25:46,840 --> 00:25:49,040
Speaker 2: The majority of people in your neighborhood, what are they are? White?

512
00:25:49,240 --> 00:25:53,000
Speaker 2: Majority of them? Okay, yeah, So the comparables in the

513
00:25:53,000 --> 00:25:54,560
Speaker 2: neighborhood is six hundred thousand.

514
00:25:54,320 --> 00:25:59,200
Speaker 3: Six hundred plus at least. So the deal was time sensitive.

515
00:25:59,359 --> 00:26:02,440
Speaker 4: So not only did I was like blown away by

516
00:26:02,720 --> 00:26:05,160
Speaker 4: the number that came back, I knew that we had

517
00:26:05,200 --> 00:26:08,080
Speaker 4: to react fast because there was a lot of dominoes

518
00:26:08,080 --> 00:26:09,840
Speaker 4: that were gonna fall if we didn't get this done.

519
00:26:10,240 --> 00:26:12,440
Speaker 4: So he came in and gave us a five hundred

520
00:26:12,480 --> 00:26:13,600
Speaker 4: and ten thousand appraisal.

521
00:26:13,720 --> 00:26:14,399
Speaker 3: But on top of it.

522
00:26:14,440 --> 00:26:16,800
Speaker 4: I had to pay him eight hundred dollars to him

523
00:26:16,800 --> 00:26:19,080
Speaker 4: to do that, so like, not only was it in

524
00:26:19,200 --> 00:26:21,359
Speaker 4: justice in a disservice, but I had to pay him

525
00:26:21,359 --> 00:26:23,719
Speaker 4: out of my pocket to say thank you. He came in,

526
00:26:23,880 --> 00:26:28,000
Speaker 4: he was here for maybe ten minutes and left and

527
00:26:28,000 --> 00:26:31,159
Speaker 4: that was the last time I saw him until I

528
00:26:31,200 --> 00:26:32,800
Speaker 4: had to, you know, get in contact with him, like

529
00:26:32,880 --> 00:26:35,760
Speaker 4: how did this happen? And you know, his explanation was

530
00:26:37,280 --> 00:26:39,480
Speaker 4: pretty much, you don't have the size of a backyard

531
00:26:39,760 --> 00:26:42,680
Speaker 4: as the comparables. So I was like, no, this isn't

532
00:26:42,720 --> 00:26:44,639
Speaker 4: this is impossible. I literal drove around the neighborhood to

533
00:26:44,680 --> 00:26:47,040
Speaker 4: the comparables. I'm like, no, this is no way, no way.

534
00:26:47,600 --> 00:26:51,520
Speaker 4: And being that the process of getting the house was

535
00:26:51,520 --> 00:26:53,440
Speaker 4: time sensitive, I just had to say, you know what,

536
00:26:54,400 --> 00:26:56,040
Speaker 4: I'm just gonna have to take this one and then

537
00:26:56,080 --> 00:26:57,760
Speaker 4: we'll deal with this at a later time. My mortgage

538
00:26:57,800 --> 00:26:59,600
Speaker 4: broker at the time was like, you know, I don't

539
00:26:59,600 --> 00:27:02,680
Speaker 4: believe this. This is crazy, but at a certain extent,

540
00:27:02,720 --> 00:27:05,080
Speaker 4: you're at the bank's mercy, right, Like they're the one

541
00:27:05,119 --> 00:27:07,840
Speaker 4: that's approven you for the loan. They send their appraisal,

542
00:27:08,400 --> 00:27:09,879
Speaker 4: the person that do the appraisal, So it's like, what

543
00:27:09,880 --> 00:27:10,240
Speaker 4: do you do?

544
00:27:10,640 --> 00:27:12,879
Speaker 2: So at that point in time, he took ninety thousand

545
00:27:13,160 --> 00:27:18,240
Speaker 2: off the table, oh wealth right from your family pretty much? Yeah,

546
00:27:18,800 --> 00:27:19,800
Speaker 2: just his opinion. Yeah.

547
00:27:19,880 --> 00:27:21,280
Speaker 3: And that's the thing.

548
00:27:21,320 --> 00:27:23,399
Speaker 4: It's like a lot of people don't get to this

549
00:27:23,520 --> 00:27:26,080
Speaker 4: level to even see this type of discrimination, right because

550
00:27:26,119 --> 00:27:28,840
Speaker 4: how many people are in the position to even get

551
00:27:28,840 --> 00:27:30,919
Speaker 4: a home, you know what I mean. And it's like

552
00:27:32,080 --> 00:27:34,080
Speaker 4: I can tell this story, but it's like, who else

553
00:27:34,080 --> 00:27:36,280
Speaker 4: can relate to this? Because, like I said, when you

554
00:27:36,280 --> 00:27:38,240
Speaker 4: wrote it, I was like, wait, you're writing my story

555
00:27:38,320 --> 00:27:41,600
Speaker 4: and you're like no, this is happening everywhere. And I'm like, oh, oh,

556
00:27:41,680 --> 00:27:44,080
Speaker 4: now I have to take action. So I have taken

557
00:27:44,080 --> 00:27:45,720
Speaker 4: some actions, and it's still.

558
00:27:45,640 --> 00:27:48,000
Speaker 2: You know what's crazy. Somebody said on my Instagram that

559
00:27:49,080 --> 00:27:50,439
Speaker 2: she told the story. I don't know if for sure

560
00:27:50,480 --> 00:27:51,800
Speaker 2: or not, but I'm gonna give her the benefit down

561
00:27:51,840 --> 00:27:53,920
Speaker 2: say it's true. So she said that she had a

562
00:27:53,920 --> 00:27:57,840
Speaker 2: home of praise three times and each time, let's say

563
00:27:57,840 --> 00:28:01,199
Speaker 2: it was three hundred thousands roughly, I forget the number. Well,

564
00:28:01,240 --> 00:28:03,239
Speaker 2: let's say three hundred thousand. It was like solid three

565
00:28:03,280 --> 00:28:05,479
Speaker 2: hundred thousand, three times in a row. Yeah, she had

566
00:28:05,880 --> 00:28:09,040
Speaker 2: her white neighbor come for the fourth appraisal. She took

567
00:28:09,080 --> 00:28:11,920
Speaker 2: down all the pictures and the white neighbor answered the door.

568
00:28:12,160 --> 00:28:13,879
Speaker 2: Long story short, the praiser thought that it was a

569
00:28:13,880 --> 00:28:15,720
Speaker 2: white neighbor's home. You know how much it was a

570
00:28:15,760 --> 00:28:19,960
Speaker 2: praise for four hundred I think like four to ten

571
00:28:20,240 --> 00:28:22,320
Speaker 2: one hundred and ten thousand dollars more, just on an

572
00:28:22,320 --> 00:28:27,040
Speaker 2: opinion because he saw a white person. Yeah, it happens.

573
00:28:27,440 --> 00:28:30,600
Speaker 4: Look, I'm like, we're literally I lived it and I'm

574
00:28:30,640 --> 00:28:32,399
Speaker 4: still living in it, and it's like wow, And I

575
00:28:32,440 --> 00:28:34,480
Speaker 4: try to get that message out like yo, this is happening.

576
00:28:34,720 --> 00:28:36,600
Speaker 4: But like I said, like who can relate to it?

577
00:28:36,720 --> 00:28:39,040
Speaker 4: Like a lot of my peers are, you know, are

578
00:28:39,120 --> 00:28:41,640
Speaker 4: renting and they're not in the process.

579
00:28:41,240 --> 00:28:43,000
Speaker 3: Of owning a home yet and they will be.

580
00:28:43,080 --> 00:28:46,320
Speaker 4: But it's like, oh, this is how how is this possible?

581
00:28:46,400 --> 00:28:49,600
Speaker 4: So like what would be the answer to eliminate that?

582
00:28:50,000 --> 00:28:51,640
Speaker 4: Like you know what I mean, Like we have to

583
00:28:51,640 --> 00:28:55,440
Speaker 4: get our own independent appraiser. Yeah, but that independent appraiser

584
00:28:55,760 --> 00:28:57,960
Speaker 4: doesn't necessarily work for the bengk who's giving you the loan,

585
00:28:58,800 --> 00:28:59,920
Speaker 4: So it's like what do you do?

586
00:29:01,560 --> 00:29:03,840
Speaker 2: Yeah, it was an interesting this discussion on my Instagram

587
00:29:03,880 --> 00:29:05,680
Speaker 2: page because then some appraisers came in. It was actually

588
00:29:05,720 --> 00:29:07,160
Speaker 2: hoping to get somebody in the praiser to come in

589
00:29:07,200 --> 00:29:11,440
Speaker 2: as a guest, but we wasn't able to. But uh yeah, yeah,

590
00:29:11,640 --> 00:29:14,840
Speaker 2: it's a I don't know, it's an unfortunate situation that

591
00:29:15,080 --> 00:29:17,080
Speaker 2: it's just stuff like that people don't even aren't really

592
00:29:17,080 --> 00:29:18,680
Speaker 2: even thinking about, right, like you hit about like the

593
00:29:18,680 --> 00:29:22,720
Speaker 2: hardcore racism stuff, but little stuff like that that's real wealth.

594
00:29:22,800 --> 00:29:26,120
Speaker 2: That's so your ninety so your situation was ninety thousand dollars, right,

595
00:29:26,120 --> 00:29:27,840
Speaker 2: so now you can see how a hundred when you

596
00:29:27,840 --> 00:29:29,640
Speaker 2: hear about one hundred and fifty six billion, like that's

597
00:29:29,640 --> 00:29:32,440
Speaker 2: a large number, but how many people are like you,

598
00:29:32,640 --> 00:29:36,520
Speaker 2: ninety thousand here, one hundred thousand here, thirty thousands? Ye up, yeah,

599
00:29:37,440 --> 00:29:39,240
Speaker 2: that's all right. And like you said, like that's part

600
00:29:39,240 --> 00:29:42,920
Speaker 2: of that generational wealth. And that's not even a black neighborhood.

601
00:29:42,680 --> 00:29:45,960
Speaker 4: Right right, It just was that, Hey, they saw the

602
00:29:45,960 --> 00:29:48,480
Speaker 4: family that was here, and this is what we're saying

603
00:29:48,520 --> 00:29:51,239
Speaker 4: it is, and take it or leave it. And if

604
00:29:51,280 --> 00:29:52,720
Speaker 4: you leave it, then you're not going to get this

605
00:29:52,760 --> 00:29:54,160
Speaker 4: own because we're not approving you for.

606
00:29:54,200 --> 00:30:02,239
Speaker 2: This one m yep, well yeah is ricked all right,

607
00:30:02,320 --> 00:30:06,080
Speaker 2: boys and girls. So now is my favorite part of

608
00:30:06,080 --> 00:30:10,240
Speaker 2: the show. Storytime. Here's a little story that must be

609
00:30:10,400 --> 00:30:13,680
Speaker 2: So listen up, gangsters and honeys with your head done

610
00:30:13,720 --> 00:30:15,880
Speaker 2: the best story tell us stuff now, right, UNA say,

611
00:30:15,880 --> 00:30:17,640
Speaker 2: if pray out it's gray down, it's great up. All right.

612
00:30:17,680 --> 00:30:20,480
Speaker 4: So this, this story actually starts as a lesson plan.

613
00:30:21,000 --> 00:30:23,080
Speaker 4: And one of the things we do in the summer

614
00:30:23,160 --> 00:30:27,160
Speaker 4: is teach financial literacy. And I was listening to Reasonable

615
00:30:27,160 --> 00:30:30,080
Speaker 4: Doubt that President's tool was on and I heard the

616
00:30:30,160 --> 00:30:33,120
Speaker 4: line all black Scott is sports and entertainment until we

617
00:30:33,240 --> 00:30:35,600
Speaker 4: even and it just stuck with me, and I was like,

618
00:30:35,680 --> 00:30:38,080
Speaker 4: damn is this like Jay right?

619
00:30:38,200 --> 00:30:39,760
Speaker 3: Like is he right when he says that? Like what

620
00:30:39,760 --> 00:30:40,520
Speaker 3: does that even mean?

621
00:30:41,080 --> 00:30:45,120
Speaker 4: And I started thinking about success and what images we

622
00:30:45,160 --> 00:30:47,560
Speaker 4: think of when we think of success, and over and

623
00:30:47,600 --> 00:30:51,640
Speaker 4: over I kept saying, Wow, yeah, entertainment, damn, yep, sports.

624
00:30:52,040 --> 00:30:52,400
Speaker 2: Okay.

625
00:30:52,920 --> 00:30:56,160
Speaker 4: So when we sat down with our kids, I came

626
00:30:56,240 --> 00:30:58,480
Speaker 4: up with this idea that you know what, give them

627
00:30:58,680 --> 00:31:03,480
Speaker 4: eight pictures of celebrities, and lo and behold, they could

628
00:31:03,520 --> 00:31:06,000
Speaker 4: name all eight, all eight. They were eight for eight

629
00:31:06,480 --> 00:31:10,120
Speaker 4: and the celebrities I believe with doctor dre Jay z Beyonce,

630
00:31:10,640 --> 00:31:11,680
Speaker 4: Floyd Mayweather.

631
00:31:11,440 --> 00:31:13,200
Speaker 3: Was on there, Puff was on there. It was like,

632
00:31:13,200 --> 00:31:14,480
Speaker 3: all right, well they know all of those.

633
00:31:15,000 --> 00:31:17,480
Speaker 4: And then I gave him another sheet with eight pictures

634
00:31:17,760 --> 00:31:21,480
Speaker 4: and I asked him to name them, and they got

635
00:31:21,560 --> 00:31:23,440
Speaker 4: one out of the eight and the one person was

636
00:31:23,440 --> 00:31:27,760
Speaker 4: Oprah Winfree and I told them that the interesting thing

637
00:31:27,880 --> 00:31:30,920
Speaker 4: is that you recognized that every celebrity, but you only

638
00:31:31,000 --> 00:31:35,400
Speaker 4: knew one of the wealthiest people of color in the world.

639
00:31:36,080 --> 00:31:39,160
Speaker 3: And their minds were blown. And I was like, well,

640
00:31:40,680 --> 00:31:41,080
Speaker 3: this is.

641
00:31:41,040 --> 00:31:44,280
Speaker 4: Why, right, because all we've been we see is sports

642
00:31:44,280 --> 00:31:47,120
Speaker 4: and entertainment. So we went to the number one person,

643
00:31:47,160 --> 00:31:49,560
Speaker 4: the wealthiest black person or person of color in the

644
00:31:49,720 --> 00:31:52,880
Speaker 4: entire world, well black person not even personal African descent,

645
00:31:53,760 --> 00:31:58,400
Speaker 4: and we came to the name Aliko then goatee, Aliko

646
00:31:58,520 --> 00:32:03,280
Speaker 4: dan Goti. He's actually from Nigeria and it's networth this year,

647
00:32:03,560 --> 00:32:06,240
Speaker 4: well in twenty eighteen was ten point seven billion.

648
00:32:09,000 --> 00:32:13,280
Speaker 2: Yeah, so Aliko Dane Gote. We wanted to cover him

649
00:32:13,320 --> 00:32:16,080
Speaker 2: for a few different reasons, but shout out to Africa.

650
00:32:16,240 --> 00:32:19,160
Speaker 2: We have a lot of listeners in Africa and the

651
00:32:19,280 --> 00:32:22,280
Speaker 2: UK and all over and you know, Obviously we live

652
00:32:22,320 --> 00:32:25,160
Speaker 2: in America, so most of our stories are based off

653
00:32:25,160 --> 00:32:29,240
Speaker 2: of Americans. But we're we're bigger than's just America. Right,

654
00:32:29,280 --> 00:32:31,120
Speaker 2: you know, the world, as I always say, the world

655
00:32:31,160 --> 00:32:33,240
Speaker 2: is flat, So we want to show up to every

656
00:32:33,280 --> 00:32:35,680
Speaker 2: part of the world and to give inspiration to every

657
00:32:35,680 --> 00:32:37,600
Speaker 2: part of the world as well. Right. So, as you said,

658
00:32:37,640 --> 00:32:39,920
Speaker 2: the richest black person in the world, African descent, whatever

659
00:32:39,920 --> 00:32:43,160
Speaker 2: you want to call it, is from Nigeria. Right, He's

660
00:32:43,160 --> 00:32:45,120
Speaker 2: worth ten billion dollars. So we're going to tell his story,

661
00:32:45,880 --> 00:32:48,600
Speaker 2: so because I'm pretty sure that most people aren't familiar

662
00:32:48,600 --> 00:32:48,880
Speaker 2: with him.

663
00:32:48,920 --> 00:32:50,960
Speaker 4: Yeah, I mean, every time I've brought him up in conversation,

664
00:32:51,320 --> 00:32:54,840
Speaker 4: people will say who is that? And it's it's ironic,

665
00:32:54,840 --> 00:32:56,360
Speaker 4: Like we know who Floyd made Weather is, and we

666
00:32:56,400 --> 00:32:59,520
Speaker 4: know who Jay Z and I mean, they've had huge

667
00:32:59,520 --> 00:33:03,520
Speaker 4: amount of sys but those three people, they're not worth

668
00:33:03,800 --> 00:33:04,680
Speaker 4: doesn't even add up to.

669
00:33:04,680 --> 00:33:07,320
Speaker 2: His No, it's not even closed. So all right, So Aliko,

670
00:33:07,720 --> 00:33:11,880
Speaker 2: he he comes from Nigeria, right, and he uh, he

671
00:33:11,960 --> 00:33:16,120
Speaker 2: starts in twenty one in the concrete business. So he

672
00:33:16,160 --> 00:33:19,000
Speaker 2: comes from a wealthy family already nowhere near where he

673
00:33:19,080 --> 00:33:21,960
Speaker 2: is now, but he comes from a wealthy family. So

674
00:33:22,040 --> 00:33:23,760
Speaker 2: that's no, that's another thing too. We have to keep

675
00:33:23,800 --> 00:33:25,360
Speaker 2: in mind because even with the whole thing with Coylie

676
00:33:25,440 --> 00:33:27,000
Speaker 2: Jenner as far as what self made, that's that was

677
00:33:27,120 --> 00:33:29,880
Speaker 2: big on the page. And we have to keep in

678
00:33:29,960 --> 00:33:33,520
Speaker 2: mind that there are black wealthy people, right.

679
00:33:33,440 --> 00:33:37,160
Speaker 4: Like his grandfather was wealthy, the wealthiest person in West Africage.

680
00:33:37,200 --> 00:33:41,040
Speaker 2: Yeah, so and there's nothing wrong with we have to

681
00:33:41,080 --> 00:33:43,400
Speaker 2: get out of that mind like, there's nothing to be

682
00:33:43,400 --> 00:33:45,560
Speaker 2: embarrassed about if your if your family has money. But

683
00:33:45,600 --> 00:33:47,680
Speaker 2: that's what we should strive to do to actually leave

684
00:33:47,760 --> 00:33:50,240
Speaker 2: a legacy for our kids. And it's like we almost

685
00:33:50,320 --> 00:33:54,520
Speaker 2: like are embarrassed if if we have any leg up.

686
00:33:55,080 --> 00:33:57,400
Speaker 2: I mean like it's it's kind of backwards way of thinking.

687
00:33:57,560 --> 00:34:00,520
Speaker 2: But so, yeah, he comes from a wealthy family, but

688
00:34:01,320 --> 00:34:03,479
Speaker 2: nowhere near where he is now. So at twenty one,

689
00:34:03,520 --> 00:34:08,239
Speaker 2: he starts a concrete business, right and from there it's

690
00:34:08,239 --> 00:34:09,920
Speaker 2: a five thousand dollars loone that he got from his

691
00:34:10,040 --> 00:34:13,480
Speaker 2: uncle to start the business. From there, he parlayed that

692
00:34:14,000 --> 00:34:22,560
Speaker 2: into pretty much everything in Nigeria, agriculture, food, telecommunications.

693
00:34:21,480 --> 00:34:24,799
Speaker 3: Banking, petroleum banking, petroleum, sugar flowers.

694
00:34:24,600 --> 00:34:28,600
Speaker 2: Sugar flower everything. He's guys, guy's hands and everything. Everything

695
00:34:28,640 --> 00:34:31,360
Speaker 2: in the country is pretty much he's involved with in

696
00:34:31,400 --> 00:34:34,359
Speaker 2: one way or the other. He's heavy in politics everything, right,

697
00:34:34,719 --> 00:34:38,600
Speaker 2: So what he's doing now is that he is taking

698
00:34:38,640 --> 00:34:42,120
Speaker 2: a major risk. But that's what business is about, right.

699
00:34:42,360 --> 00:34:46,840
Speaker 2: He's taking a major risk and building a twelve billion

700
00:34:46,920 --> 00:34:51,640
Speaker 2: dollar petroleum refinery, yes, right in Nigeria.

701
00:34:51,280 --> 00:34:56,040
Speaker 4: So just a quick couple things about Nigeria. Nigeria is

702
00:34:56,120 --> 00:34:59,319
Speaker 4: Africa's largest oil producer, so that's just the first thing. Now,

703
00:34:59,360 --> 00:35:02,040
Speaker 4: they have the control of i think the tenth largest

704
00:35:02,040 --> 00:35:03,880
Speaker 4: oil reserves in the country.

705
00:35:04,160 --> 00:35:05,120
Speaker 3: Oh and I'm sorry in the.

706
00:35:05,040 --> 00:35:09,560
Speaker 4: World, in the world, but they don't take their resource,

707
00:35:09,560 --> 00:35:12,360
Speaker 4: not their resources, but they don't have refineries that are

708
00:35:12,360 --> 00:35:14,640
Speaker 4: efficient enough to get it throughout the entire time.

709
00:35:14,760 --> 00:35:16,480
Speaker 2: Yeah. So the thing about Nigeria is that they have

710
00:35:16,640 --> 00:35:19,840
Speaker 2: the tenth largest oil reserve, like you said, in the world,

711
00:35:20,440 --> 00:35:24,439
Speaker 2: but they only have four state run refineries and those

712
00:35:24,440 --> 00:35:27,319
Speaker 2: are old. So what happens is that they have to

713
00:35:27,680 --> 00:35:31,000
Speaker 2: import most of their petroleum, which makes no sense, right

714
00:35:31,040 --> 00:35:35,160
Speaker 2: because you have so much petroleum in your backyard literally,

715
00:35:35,520 --> 00:35:37,600
Speaker 2: but you have to import it because you don't have

716
00:35:37,600 --> 00:35:40,560
Speaker 2: the infrastructure actually produce it. Yourself. So that's his thing.

717
00:35:40,600 --> 00:35:42,120
Speaker 2: His thing is like why do we why don't we

718
00:35:42,200 --> 00:35:43,719
Speaker 2: have to bring in all of this stuff from the

719
00:35:43,719 --> 00:35:45,960
Speaker 2: Middle East and all these other different countries when we

720
00:35:46,040 --> 00:35:49,200
Speaker 2: have it right here. So he's building a twelve billion

721
00:35:49,320 --> 00:35:54,399
Speaker 2: dollar refinery and what that will do is make it well,

722
00:35:54,480 --> 00:35:57,400
Speaker 2: a is going to be the largest petroleum refinery.

723
00:35:57,120 --> 00:35:57,520
Speaker 3: In the world.

724
00:35:57,600 --> 00:35:58,279
Speaker 2: Yeah, in the world.

725
00:35:58,480 --> 00:36:01,799
Speaker 4: I literally he went out and this is built on wasteland.

726
00:36:01,920 --> 00:36:06,200
Speaker 4: So he I mean again, his business helps with this process,

727
00:36:06,280 --> 00:36:09,200
Speaker 4: right because he has the concrete, and he has the

728
00:36:09,280 --> 00:36:11,680
Speaker 4: trucks and he has all these things that help build it.

729
00:36:11,880 --> 00:36:14,120
Speaker 4: So he's building it right now. I believe it's off

730
00:36:14,120 --> 00:36:17,680
Speaker 4: the south coast of Nigeria. But yeah, like let's build

731
00:36:17,680 --> 00:36:21,040
Speaker 4: this refinery because there's no point of us important anymore.

732
00:36:21,440 --> 00:36:24,880
Speaker 2: Right, So that's going to take if all goes well.

733
00:36:24,960 --> 00:36:28,399
Speaker 2: So right now, his company made four billion dollars in revenue. Shit,

734
00:36:28,760 --> 00:36:30,520
Speaker 2: if all goes well, that's going to take it from

735
00:36:30,560 --> 00:36:33,160
Speaker 2: his company from four billion to thirty billion. Yeah.

736
00:36:33,200 --> 00:36:36,760
Speaker 4: So the key part about that is that sixty percent

737
00:36:36,840 --> 00:36:39,640
Speaker 4: of Nigeria, right is not they're not connected to the

738
00:36:39,960 --> 00:36:43,040
Speaker 4: power grid sixty percent. And when the people who are

739
00:36:43,080 --> 00:36:44,960
Speaker 4: they have like four hours of power at a time.

740
00:36:45,080 --> 00:36:48,000
Speaker 4: So there's like long history of blackouts in the country.

741
00:36:48,239 --> 00:36:51,040
Speaker 4: So he has a chance to provide electricity now to

742
00:36:51,120 --> 00:36:52,080
Speaker 4: an entire country.

743
00:36:52,160 --> 00:36:54,080
Speaker 2: Yeah, well, yes, he has a chance to change the

744
00:36:54,080 --> 00:36:57,319
Speaker 2: course of Nigeria forever, forever and also change the court

745
00:36:57,440 --> 00:37:01,000
Speaker 2: of Africa as well, the entire continent, right exactly, So

746
00:37:01,600 --> 00:37:03,920
Speaker 2: what he's doing is more than just money, right, he

747
00:37:04,000 --> 00:37:09,520
Speaker 2: has actual chance to really leave a legacy forever when

748
00:37:09,560 --> 00:37:11,640
Speaker 2: it comes to Africa. And then of course money plays

749
00:37:11,640 --> 00:37:12,960
Speaker 2: a part as well. As I said, it takes his

750
00:37:13,000 --> 00:37:15,560
Speaker 2: company from four billion to thirty billions, So now he's

751
00:37:16,040 --> 00:37:17,800
Speaker 2: a billionaire. Now. I think he was like number on

752
00:37:17,840 --> 00:37:18,440
Speaker 2: hundred on the.

753
00:37:18,360 --> 00:37:21,239
Speaker 4: List, yeah he I think his highest rank on the

754
00:37:21,239 --> 00:37:23,000
Speaker 4: list was like twenty five. He was up to like

755
00:37:23,040 --> 00:37:24,600
Speaker 4: twenty twenty five billion.

756
00:37:24,760 --> 00:37:27,120
Speaker 2: Yeah, a couple of things, but this does now, this

757
00:37:27,120 --> 00:37:29,479
Speaker 2: puts him in like the top twenty. Now now he's

758
00:37:29,520 --> 00:37:32,640
Speaker 2: in there with Bloomberg and guys like that. Right, So

759
00:37:33,080 --> 00:37:35,960
Speaker 2: that changed the trajectory of wealth as well. But as

760
00:37:36,000 --> 00:37:38,239
Speaker 2: I said, more importantly, like you said, sixty percent of

761
00:37:38,239 --> 00:37:42,680
Speaker 2: the country doesn't have electricity. They're the tenth largest oil

762
00:37:42,719 --> 00:37:45,360
Speaker 2: producing country, but they have to import all their oil,

763
00:37:45,800 --> 00:37:49,440
Speaker 2: so it makes himself reliant. They can keep all their

764
00:37:49,480 --> 00:37:52,799
Speaker 2: resources at home now, and it sets a trend for

765
00:37:53,200 --> 00:37:57,640
Speaker 2: West Africa and the whole Sub Saharan Africa as a whole, right,

766
00:37:57,719 --> 00:38:00,640
Speaker 2: because we all know that Africa is the richest continent

767
00:38:01,040 --> 00:38:05,000
Speaker 2: as far as minerals and what's in the earth, but

768
00:38:05,280 --> 00:38:09,960
Speaker 2: unfortunately it's the poorest continent economically, right, So hopefully this

769
00:38:09,960 --> 00:38:13,560
Speaker 2: will be a trend that countries can follow in businessmen

770
00:38:13,680 --> 00:38:16,000
Speaker 2: in the countries can follow where now the wealth is

771
00:38:16,040 --> 00:38:19,120
Speaker 2: actually kept in Africa and they're producing for themselves and

772
00:38:19,120 --> 00:38:21,479
Speaker 2: they're keeping it for themselves, right, So there's two sides

773
00:38:21,520 --> 00:38:25,000
Speaker 2: to every story, right. So a lot of people aren't

774
00:38:25,040 --> 00:38:28,560
Speaker 2: big fans of his because they said that, you know,

775
00:38:28,680 --> 00:38:32,760
Speaker 2: he has a lot of money offshore and some shaky

776
00:38:32,800 --> 00:38:36,399
Speaker 2: business practices, pays on the politicians.

777
00:38:38,880 --> 00:38:40,920
Speaker 4: So his wealth, right, and when we look at our

778
00:38:40,960 --> 00:38:44,040
Speaker 4: country and we think of the wealthiest people in the world,

779
00:38:44,080 --> 00:38:47,319
Speaker 4: and we know that one percent of the population has

780
00:38:47,320 --> 00:38:50,600
Speaker 4: more money than ninety nine percent, so his statistic is

781
00:38:50,640 --> 00:38:53,160
Speaker 4: even larger because yes, I think fifty percent of the

782
00:38:53,160 --> 00:38:55,239
Speaker 4: country does live in poverty. And you have now a

783
00:38:55,280 --> 00:38:57,880
Speaker 4: man who's in the top one hundred wealthiest people in

784
00:38:57,920 --> 00:39:00,440
Speaker 4: the world. So the disparacy is even greatest people are

785
00:39:00,440 --> 00:39:01,319
Speaker 4: looking at that, Like.

786
00:39:01,520 --> 00:39:03,480
Speaker 2: But that's not just his I mean, look at Carlos

787
00:39:03,520 --> 00:39:04,640
Speaker 2: Slim right in Mexico.

788
00:39:04,760 --> 00:39:05,359
Speaker 3: Another person.

789
00:39:05,400 --> 00:39:08,360
Speaker 2: I look at his billion of billionaires in India or

790
00:39:08,360 --> 00:39:12,319
Speaker 2: even America, right, so that's all over the world. Yeah,

791
00:39:12,560 --> 00:39:14,839
Speaker 2: But like I said this, you know, there's there's some

792
00:39:14,840 --> 00:39:17,440
Speaker 2: some rumors that you know, he's done some things, which

793
00:39:17,640 --> 00:39:20,279
Speaker 2: I mean most business people have on a certain level. Right,

794
00:39:20,360 --> 00:39:22,720
Speaker 2: But then he also has a charity where he's donated

795
00:39:22,760 --> 00:39:24,520
Speaker 2: one point two billion dollars of his own wealth.

796
00:39:24,600 --> 00:39:26,720
Speaker 3: Yeah, I believe him and Bill Gates or doing.

797
00:39:26,520 --> 00:39:28,319
Speaker 2: He's doing somethuff with Bill Gates. Well, but then he

798
00:39:28,360 --> 00:39:31,160
Speaker 2: also built two hundred homes for poor people.

799
00:39:31,320 --> 00:39:34,000
Speaker 4: Yeah, so he and he said his favorite so he

800
00:39:34,800 --> 00:39:37,040
Speaker 4: for the first twenty years of business, so he started

801
00:39:37,080 --> 00:39:39,560
Speaker 4: his company, I believe in nineteen seventy seven, first twenty

802
00:39:39,640 --> 00:39:42,799
Speaker 4: years of business, refused to travel, did not travel at all.

803
00:39:43,000 --> 00:39:45,520
Speaker 2: Yeah, that's no vacation. So that's because that goes back

804
00:39:45,520 --> 00:39:47,880
Speaker 2: to the college everything, right, where I say, Okay, you

805
00:39:47,920 --> 00:39:49,920
Speaker 2: start with money. Obviously, if you start with money, you

806
00:39:49,920 --> 00:39:52,160
Speaker 2: have a leg up. It's obvious, right, but you still

807
00:39:52,200 --> 00:39:54,360
Speaker 2: have to work the money to make it more money.

808
00:39:54,400 --> 00:39:56,920
Speaker 2: So the guy didn't take a vacation for twenty years.

809
00:39:56,920 --> 00:40:00,040
Speaker 2: Twenty years now he took vacation now, But for the

810
00:40:00,040 --> 00:40:01,960
Speaker 2: first twenty years in business, he didn't take a vacation.

811
00:40:02,040 --> 00:40:03,799
Speaker 4: It's ratio now is for every two weeks he works,

812
00:40:03,840 --> 00:40:06,000
Speaker 4: he takes a vacation. I gotta get we have to

813
00:40:06,000 --> 00:40:08,040
Speaker 4: get to that r Yeah. I mean, that's an amazing.

814
00:40:08,520 --> 00:40:13,880
Speaker 2: It's like how many people take vacations just because it

815
00:40:13,880 --> 00:40:15,640
Speaker 2: shouldn't be. It can't afford it.

816
00:40:15,600 --> 00:40:18,080
Speaker 3: Right, You you have no money and you're still taking

817
00:40:18,160 --> 00:40:19,440
Speaker 3: vacations just for the hell of it.

818
00:40:19,440 --> 00:40:21,479
Speaker 2: You're going to Miami just just cause it's funny.

819
00:40:21,480 --> 00:40:24,040
Speaker 3: You said Miami. Because when he said the two favorite places.

820
00:40:23,760 --> 00:40:27,120
Speaker 2: Of traveling Atlanta in Miami, Atlanta at Miami, that's pretty random.

821
00:40:27,680 --> 00:40:29,960
Speaker 2: I'ma be honest with you. If I'm one of the

822
00:40:30,040 --> 00:40:32,440
Speaker 2: richest people in the world, I love Miami. I love

823
00:40:32,480 --> 00:40:36,319
Speaker 2: Atlanta too, those would not be my two top travel desers.

824
00:40:36,360 --> 00:40:38,319
Speaker 3: Well, where you're coming from, though you're coming from New York.

825
00:40:38,360 --> 00:40:39,800
Speaker 2: It doesn't no matter where I'm coming from.

826
00:40:40,239 --> 00:40:41,400
Speaker 3: Somebody who's in Nigeria.

827
00:40:41,400 --> 00:40:43,960
Speaker 4: That may look at that as like that's a tourist destination,

828
00:40:44,760 --> 00:40:46,320
Speaker 4: and we do it like pretty regularly.

829
00:40:49,360 --> 00:40:54,920
Speaker 2: Atlanta shot to Miami too. It's just a little random

830
00:40:54,960 --> 00:40:57,560
Speaker 2: for me, that's all. But yeah, those are his two favorite.

831
00:40:57,560 --> 00:40:59,080
Speaker 2: He actually owns a lot of property in Atlanta.

832
00:40:59,239 --> 00:41:02,880
Speaker 4: Yeah, he I think he had a residency out there,

833
00:41:03,360 --> 00:41:05,880
Speaker 4: but now I think he's staying at some like luxurious

834
00:41:06,560 --> 00:41:07,600
Speaker 4: like resort there.

835
00:41:07,640 --> 00:41:10,160
Speaker 2: Now, yeah, I mean theig gout, he's bailing out of control.

836
00:41:10,200 --> 00:41:12,000
Speaker 2: But the thing about it also is that so this

837
00:41:12,080 --> 00:41:14,120
Speaker 2: flip sides to every coin, right, So some people say

838
00:41:14,120 --> 00:41:15,799
Speaker 2: it's a bad guy, some people say it's a good guy.

839
00:41:17,280 --> 00:41:21,080
Speaker 2: I learned that life is complicated, right, So when I

840
00:41:21,120 --> 00:41:23,440
Speaker 2: was in Colombia, I went to Columbia Attle while ago.

841
00:41:23,840 --> 00:41:27,719
Speaker 2: And obviously when you think of Columbia, who do you

842
00:41:27,719 --> 00:41:34,000
Speaker 2: think of It's a legend. So everybody knows story. I

843
00:41:34,000 --> 00:41:36,200
Speaker 2: don't have to tell a story. Half of the country

844
00:41:36,280 --> 00:41:40,359
Speaker 2: hates him, despises him, and half of the country loves him. Right,

845
00:41:40,480 --> 00:41:42,799
Speaker 2: So depending on who you talk to, you're gonna get

846
00:41:42,800 --> 00:41:46,000
Speaker 2: a different story. So if you talk to some of

847
00:41:46,040 --> 00:41:48,600
Speaker 2: the people that he might be responsible for killing, and

848
00:41:48,960 --> 00:41:51,600
Speaker 2: you know, ruining lives and all his things. Then they

849
00:41:51,600 --> 00:41:53,359
Speaker 2: would tell you that he's the devil, he's the worst

850
00:41:53,360 --> 00:41:55,880
Speaker 2: person in the world. But then I went to a community.

851
00:41:55,880 --> 00:41:58,200
Speaker 2: I forget what it's called, but it's Pablo Eskebar community

852
00:41:58,200 --> 00:42:02,520
Speaker 2: where he built I think, like three homes for poor people, right,

853
00:42:02,600 --> 00:42:04,880
Speaker 2: And he built the whole community. He built the hospital,

854
00:42:04,920 --> 00:42:09,080
Speaker 2: he built homes, restaurants, grocery stores, He literally built the

855
00:42:09,080 --> 00:42:12,000
Speaker 2: community for poor people and everybody lived rent free, everybody

856
00:42:12,000 --> 00:42:15,799
Speaker 2: had a home. They got murals of them on the wall.

857
00:42:15,960 --> 00:42:17,839
Speaker 2: To this day, they still got murals of them, like

858
00:42:18,880 --> 00:42:22,880
Speaker 2: he's he's a saint. Right. So life is complicated, right,

859
00:42:22,880 --> 00:42:26,400
Speaker 2: And depending on who you ask opinion, you're going to

860
00:42:26,440 --> 00:42:27,520
Speaker 2: get a clearly different answer.

861
00:42:27,920 --> 00:42:30,959
Speaker 4: So there was some negative press where people had lived

862
00:42:31,000 --> 00:42:33,200
Speaker 4: near the land and he came in, he cleared off

863
00:42:34,640 --> 00:42:37,239
Speaker 4: so that's it didn't provide homes or anything.

864
00:42:37,320 --> 00:42:39,560
Speaker 2: So they said he cleared off the land to make wrong.

865
00:42:40,040 --> 00:42:42,480
Speaker 2: But then he built two hundred homes for poor people.

866
00:42:43,160 --> 00:42:44,279
Speaker 2: So it's like and.

867
00:42:44,200 --> 00:42:45,480
Speaker 4: His thing is like he doesn't even want to be

868
00:42:45,520 --> 00:42:48,520
Speaker 4: remembered as the wealthiest person of African descent. He'd rather

869
00:42:48,520 --> 00:42:51,279
Speaker 4: be known as a philanthropist and that's honorable, Like he

870
00:42:51,400 --> 00:42:53,600
Speaker 4: just wants to be the person that has given back,

871
00:42:53,800 --> 00:42:55,800
Speaker 4: and he has a chance to like what we said,

872
00:42:56,080 --> 00:42:59,640
Speaker 4: if you think about it, like his country relies on imports,

873
00:42:59,719 --> 00:43:03,279
Speaker 4: he has a chance to reverse their entire trajectory and

874
00:43:03,360 --> 00:43:07,040
Speaker 4: be a country that is pretty much making their revenue

875
00:43:07,160 --> 00:43:09,360
Speaker 4: from exporting their resources.

876
00:43:09,360 --> 00:43:11,319
Speaker 2: So that's I mean, now that's a good story. And

877
00:43:11,360 --> 00:43:15,400
Speaker 2: then also it's just you know, we like to highlight

878
00:43:16,200 --> 00:43:20,800
Speaker 2: business people and we want to give people inspiration and

879
00:43:20,920 --> 00:43:23,440
Speaker 2: hope and just just different figures. Right, Like we all

880
00:43:23,480 --> 00:43:25,640
Speaker 2: know who Warren Buffett is. We know who Bill Gates is,

881
00:43:25,680 --> 00:43:27,520
Speaker 2: so why should we not know who he is?

882
00:43:28,400 --> 00:43:31,319
Speaker 4: I doubt and I mean I work in schools. This

883
00:43:31,400 --> 00:43:32,920
Speaker 4: is his name is never being brought up.

884
00:43:34,160 --> 00:43:36,120
Speaker 2: But there's a bunch of people. We got Robert Smith,

885
00:43:36,400 --> 00:43:40,080
Speaker 2: who's the richest Black American. He's a millionaire and a

886
00:43:40,080 --> 00:43:41,080
Speaker 2: lot of people don't know he.

887
00:43:41,200 --> 00:43:43,480
Speaker 3: They have, well Rob Johnson before him, and he wasn't

888
00:43:43,520 --> 00:43:43,880
Speaker 3: brought up.

889
00:43:44,080 --> 00:43:46,160
Speaker 2: But even Rob Johnson he's still in sports entertainment on

890
00:43:46,160 --> 00:43:48,560
Speaker 2: a certain level, but Robert Smith is in private equity.

891
00:43:48,680 --> 00:43:52,319
Speaker 2: So we're going to try to highlight different people from

892
00:43:52,360 --> 00:43:56,360
Speaker 2: different walks of life. But business in particular, because I

893
00:43:56,400 --> 00:44:00,640
Speaker 2: think it's important for people to see these people and

894
00:44:00,760 --> 00:44:02,080
Speaker 2: to just know about them. You don't have to be

895
00:44:02,120 --> 00:44:03,920
Speaker 2: a fan of them or not, but at least you

896
00:44:03,920 --> 00:44:04,719
Speaker 2: should be aware of it.

897
00:44:04,840 --> 00:44:07,520
Speaker 4: The power of presence and the power of perception. It's like,

898
00:44:07,719 --> 00:44:10,080
Speaker 4: at least I've seen somebody who can do that's doing this.

899
00:44:10,480 --> 00:44:13,319
Speaker 4: It's powerful. If we've never seen that, like, then we

900
00:44:13,400 --> 00:44:18,000
Speaker 4: may expire to be an athlete or somebody entertainment. It's like,

901
00:44:18,000 --> 00:44:20,680
Speaker 4: oh wait, there's somebody doing something else in this avenue.

902
00:44:21,239 --> 00:44:23,240
Speaker 4: Oh I can do this too, right, So the power

903
00:44:23,520 --> 00:44:29,359
Speaker 4: of just seeing yourself and somebody successful, you can't measure.

904
00:44:29,040 --> 00:44:31,320
Speaker 2: It now, you can't. And once again, shout out to Africa,

905
00:44:33,239 --> 00:44:40,760
Speaker 2: South Africa, to Nigeria, Ghana, Ethiopia, Somalia, all that, Egypt.

906
00:44:41,200 --> 00:44:44,799
Speaker 2: We're going to go to Africa very soon, I have. Unfortunately,

907
00:44:44,840 --> 00:44:48,279
Speaker 2: I have not been to Africa yet. I've been a

908
00:44:48,280 --> 00:44:50,160
Speaker 2: lot of different places, but I have not been to Africa.

909
00:44:50,239 --> 00:44:53,160
Speaker 2: So that's on my to do list. I'm looking forward

910
00:44:53,200 --> 00:44:56,400
Speaker 2: to it. I'm very excited and yeah, we're gonna get

911
00:44:56,400 --> 00:44:57,080
Speaker 2: out there for sure.

912
00:44:57,200 --> 00:44:57,759
Speaker 3: Absolutely.

913
00:44:58,440 --> 00:45:01,600
Speaker 2: All right, guys, Well again, thank you for rocking with

914
00:45:01,680 --> 00:45:04,120
Speaker 2: us and do not forget to subscribe to our YouTube,

915
00:45:04,360 --> 00:45:07,120
Speaker 2: check our website out, check our merch out, check Patreon out,

916
00:45:07,640 --> 00:45:11,560
Speaker 2: and yeah once again, just just also send you send

917
00:45:11,600 --> 00:45:13,440
Speaker 2: requests too, because what we want to start doing is

918
00:45:13,760 --> 00:45:17,160
Speaker 2: featuring maybe like a small businesses too that have success stories.

919
00:45:17,200 --> 00:45:18,920
Speaker 2: Cause we talk about your big companies, we're gonna talk

920
00:45:18,920 --> 00:45:22,799
Speaker 2: about small businesses as well. So dm us if you know,

921
00:45:22,960 --> 00:45:26,040
Speaker 2: if you have a good small business story, or if

922
00:45:26,040 --> 00:45:27,960
Speaker 2: you know somebody has a small business story, if you

923
00:45:27,960 --> 00:45:30,799
Speaker 2: could just d dm us a quick paragraph, nothing too crazy,

924
00:45:30,840 --> 00:45:32,799
Speaker 2: because we got to read it and we'll try to

925
00:45:32,840 --> 00:45:36,560
Speaker 2: feature that as well. And then also we got requests

926
00:45:36,600 --> 00:45:39,440
Speaker 2: for books book club, so I'm just going and just

927
00:45:40,440 --> 00:45:42,920
Speaker 2: each episode I'll say a book that I'm reading. So

928
00:45:43,080 --> 00:45:45,120
Speaker 2: right now, I'm currently reading a book called The Big

929
00:45:45,200 --> 00:45:49,480
Speaker 2: Short and it's about the subprime mortgage crisis in two

930
00:45:49,520 --> 00:45:51,759
Speaker 2: thousand and eight. Very interesting book if you're into that.

931
00:45:52,280 --> 00:45:54,600
Speaker 2: They have a movie about it actually as well. Steve

932
00:45:54,600 --> 00:45:56,600
Speaker 2: Carrell's in it is excellent movie and it just talks

933
00:45:56,600 --> 00:45:59,080
Speaker 2: about the financial system and how broken the financial system is,

934
00:45:59,080 --> 00:46:02,479
Speaker 2: how corrupt the financials amazing. It's dope, trust me, it's dope.

935
00:46:02,480 --> 00:46:05,760
Speaker 2: So Yeah, that's my that's my book. Tip of the week.

936
00:46:06,880 --> 00:46:09,480
Speaker 2: All right, all right, peace.

937
00:46:36,560 --> 00:46:40,240
Speaker 5: An illegal alien from Guatemala charged with raping a child

938
00:46:40,239 --> 00:46:44,040
Speaker 5: in Massachusetts. An MS thirteen gang member from Al Salvador

939
00:46:44,280 --> 00:46:48,440
Speaker 5: accused of murdering a Texas. Man of Venezuelan charged with

940
00:46:48,480 --> 00:46:52,400
Speaker 5: filming and selling child pornography in Michigan. These are just

941
00:46:52,480 --> 00:46:56,240
Speaker 5: some of the heinous migrant criminals caught because of President

942
00:46:56,280 --> 00:46:59,840
Speaker 5: Donald J. Trump's leadership. I'm Christine Noman. The United States

943
00:46:59,840 --> 00:47:04,320
Speaker 5: are scretary of homeland security. Under President Trump, Attempted illegal

944
00:47:04,360 --> 00:47:08,000
Speaker 5: border crossings are at the lowest levels ever recorded, and

945
00:47:08,080 --> 00:47:11,439
Speaker 5: over one hundred thousand illegal aliens have been arrested. If

946
00:47:11,440 --> 00:47:15,120
Speaker 5: you are here illegally, your next you will be fine

947
00:47:15,160 --> 00:47:19,279
Speaker 5: nearly one thousand dollars a day, imprisoned and deported, you

948
00:47:19,320 --> 00:47:22,880
Speaker 5: will never return. But if you register using our CBP

949
00:47:23,040 --> 00:47:25,759
Speaker 5: home app and leave now, you could be allowed to

950
00:47:25,840 --> 00:47:30,640
Speaker 5: return legally. Do what's right, leave now. Under President Trump,

951
00:47:30,800 --> 00:47:34,400
Speaker 5: America's laws, border and families will be protected.

952
00:47:34,480 --> 00:47:36,640
Speaker 3: Sponsored by the United States Department of Homeland Security,