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Advance Placement: Credit, Business Branding, & Real Estate · Earn Your Leisure

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  Speaker 1: An illegal alien from Guatemala charged with raping a child
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  Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador
• 0:07
  Speaker 1: accused of murdering a Texas man of Venezuelan charged with
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  Speaker 1: filming and selling child pornography in Michigan. These are just
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  Speaker 1: some of the heinous migrant criminals caught because of President
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  Speaker 1: Donald J. Trump's leadership. I'm Christy nom the United States
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  Speaker 1: Secretary of Homeland Security. Under President Trump, attempted illegal border
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  Speaker 1: crossings are at the lowest levels ever recorded, and over
• 0:31
  Speaker 1: one hundred thousand illegal aliens have been arrested. If you
• 0:35
  Speaker 1: are here illegally, your next you will be fined nearly
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  Speaker 1: one thousand dollars a day, imprisoned, and deported. You will
• 0:43
  Speaker 1: never return. But if you register using our CBP home
• 0:46
  Speaker 1: app and leave now, you could be allowed to return legally.
• 0:50
  Speaker 1: Do what's right. Leave now. Under President Trump, America's laws,
• 0:55
  Speaker 1: border and families will be protected.
• 0:57
  Speaker 2: Sponsored by the United States Department of Homeland Security.
• 1:00
  Speaker 3: I want to talk about a few things. So this
• 1:05
  Speaker 3: is the first time that we've done open enrollment in
• 1:08
  Speaker 3: a couple of months. It's been a while for anybody
• 1:12
  Speaker 3: that's not familiar with opening roll and open enrollment.
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  Speaker 4: We traditionally do this.
• 1:18
  Speaker 3: The last Wednesday of the month, and this wasn't the
• 1:24
  Speaker 3: last Wednesday of the month, but we just kind of
• 1:25
  Speaker 3: rescheduled a little bit. But it's a window into EYL University.
• 1:32
  Speaker 3: That was kind of the whole premise of it was
• 1:35
  Speaker 3: to kind of give people an idea of what we have.
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  Speaker 4: Going on here at EYL University.
• 1:42
  Speaker 3: But you know, obviously we've been traveling, we've been moving around,
• 1:45
  Speaker 3: you've been doing a lot of stuff. So we haven't
• 1:47
  Speaker 3: actually been able to do one of these on YouTube
• 1:50
  Speaker 3: in a long period of time. But I felt that,
• 1:53
  Speaker 3: you know, now, it was a good time to bring
• 1:56
  Speaker 3: it back, and also it's perfect timing with the relaunch
• 2:02
  Speaker 3: of Eyo University, which we'll be talking about in detail,
• 2:07
  Speaker 3: but first one to kind of just let you guys
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  Speaker 3: know what will be going on today during this session.
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  Speaker 3: So we're gonna be talking about credit, we're gonna be
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  Speaker 3: talking about business branding, and we're gonna talking about real estate.
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  Speaker 4: We have some Esteam guests.
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  Speaker 3: We have Dan Fleischman, we have Herman Dolfs, we have
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  Speaker 3: Matthew Garland, and we're gonna be answering questions towards the end,
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  Speaker 3: we're gonna you know, have Q and a so very
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  Speaker 3: educational timely you know, webinar, I think because these are
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  Speaker 3: all extremely important topics right now, but especially heading into
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  Speaker 3: twenty twenty three. And this is where we're at right now,
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  Speaker 3: so you know it's important for you guys to start
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  Speaker 3: planning your next year because it's here pretty much.
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  Speaker 5: Yeah, there's no time better than right now. I mean
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  Speaker 5: what quota now with the first quotera is how you
• 3:02
  Speaker 5: want to set your year of and when you got
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  Speaker 5: people talking about how to build business credit, talking about
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  Speaker 5: how to build your brand from a marketing standpoint, talking
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  Speaker 5: about real estate, I mean, these are these are things
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  Speaker 5: that can change your life, right like these aren't this
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  Speaker 5: things that can change your day? This can change your life,
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  Speaker 5: can change your family's life. And anytime you're going to
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  Speaker 5: have people like this level of this cowboy of expertise, man,
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  Speaker 5: you got to take advantage of it. So shot everybody
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  Speaker 5: that's in here. I see the earners of piling in.
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  Speaker 5: Shot everybody on the tube. This is going to be
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  Speaker 5: one of them sessions. And I'm glad. I'm glad we're
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  Speaker 5: back doing it. You know, I kind of miss a
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  Speaker 5: little bit. I feel like that these these open enrollments
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  Speaker 5: were just jam packed with information, people from the highest
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  Speaker 5: level you know, in their in their fields. And uh,
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  Speaker 5: tonight's no no exception. We got we got a jam
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  Speaker 5: packed show. We might have a few surprises. We may
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  Speaker 5: we'll see. You never know, you never know, you never
• 3:48
  Speaker 5: know who we know.
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  Speaker 3: That's a fact. So all right, so let's get into this.
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  Speaker 3: But first, before we start, I'll give you a rundown
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  Speaker 3: of EYL You. Of course, if you're familiar with us,
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  Speaker 3: you know that we do you know, the classes every week,
• 4:01
  Speaker 3: we do the financial planning calls with myself, we do
• 4:03
  Speaker 3: the book club headed by Troy, We do the MG
• 4:07
  Speaker 3: the mortgage Guys home by his Blueprint, Volume one, Volume two,
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  Speaker 3: real estate calls. But we're revamping it and we'll talk
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  Speaker 3: about you know that a little later. But you know,
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  Speaker 3: we see the landscape changing and we see our position
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  Speaker 3: in leadership rising, so.
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  Speaker 4: You know, we wanted to kind of add a higher
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  Speaker 4: level of service, a higher level of.
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  Speaker 3: You know, curriculum, and make it more of a structured organization.
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  Speaker 3: So we've been actually working on this for six months
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  Speaker 3: and you know, just announced a few things and we'll
• 4:41
  Speaker 3: be announcing more things to come, but a lot of
• 4:44
  Speaker 3: exciting stuff happening. We're gonna be rolling out live interactive courses,
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  Speaker 3: chapters across the United States and across the world, like
• 4:53
  Speaker 3: real graduations, private community events. So we wanted to just
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  Speaker 3: double down. We already built the community, but we wanted
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  Speaker 3: to see how we can actually take it to the
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  Speaker 3: next level.
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  Speaker 4: Next level education.
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  Speaker 3: That's what everything that we do is kind of like
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  Speaker 3: next level, right, So it's like, okay, we had to
• 5:11
  Speaker 3: assess what was going on and then see, okay, how
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  Speaker 3: can we ten next this situation and make it, you know,
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  Speaker 3: one hundred times more powerful. So we'll be announcing everything
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  Speaker 3: on Friday, But in the meantime, you can text the.
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  Speaker 4: Word learn l e A r N two four.
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  Speaker 3: Zero one two three eight seven four seven nine to
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  Speaker 3: be added to the wait list and you will get
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  Speaker 3: you know, all the updates and all the information once
• 5:42
  Speaker 3: everything is announced. So I'm gonna pin that in YouTube
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  Speaker 3: and once again that is text the word learn too
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  Speaker 3: four zero one two three eight seven four seven nine,
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  Speaker 3: and you will be added to the wait list and
• 5:58
  Speaker 3: you will get all the updates, send everything as you know,
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  Speaker 3: everything on rolls So.
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  Speaker 5: I think that's one of the beautiful things right, Like,
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  Speaker 5: as we're doing this, we're realizing, like we could be better,
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  Speaker 5: and what better way to do it than show people like, Yo,
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  Speaker 5: we're gonna get better. Here's how we're going to do it.
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  Speaker 5: It's just one of those things that it's happening in
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  Speaker 5: real time, just like everything we've done, its happened in
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  Speaker 5: real time. And like we've always said, like anytime we
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  Speaker 5: do something, it's a stortic because it's never been done before.
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  Speaker 5: So we built a community. Obviously, Uyo University they started
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  Speaker 5: in twenty nineteen, in December twenty nineteen, maybe like seventy people,
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  Speaker 5: and to see how fast it has grown, it's like, great,
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  Speaker 5: this is great. How can we be better? So we
• 6:41
  Speaker 5: looked at the landscape and we said, all right, like
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  Speaker 5: that piece over there, that piece is good, we can
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  Speaker 5: add that. Let's make this the best educational experience, the
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  Speaker 5: most expansive educational experience that is out there. And so
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  Speaker 5: I'm so happy to show the earners and show everybody
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  Speaker 5: what we got. Man, it's gonna be yeah, historic day,
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  Speaker 5: historic weekend.
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  Speaker 4: Oh probably so probably.
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  Speaker 3: So So okay, let's bring Dan up if we can let's.
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  Speaker 5: Bring him up there you go and see him right there. Perfect.
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  Speaker 5: He just raised it in made it even easier.
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  Speaker 3: Yes, Yes, very excited to have this conversation started off, Hey,
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  Speaker 3: what's going on?
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  Speaker 5: How's it going?
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  Speaker 4: Good? Good?
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  Speaker 6: Just happy to be here. Really impressive with you guys,
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  Speaker 6: been watching you for years. I'm happy to be here.
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  Speaker 4: Appreciate that. Thank you, thank you, thank you.
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  Speaker 3: So if anybody that is not familiar with Dan, I'll
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  Speaker 3: give his rundown. He is the youngest founder of a
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  Speaker 3: publicly traded company in history.
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  Speaker 4: Could probably just stop there.
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  Speaker 5: Keyword history.
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  Speaker 3: That's extremely impressive. That means like ever, that's extremely impressive.
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  Speaker 3: Feet After licensing his apparel for nine point five million
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  Speaker 3: dollars at the age of nineteen, team he went on
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  Speaker 3: a scale and energy drains product into fifty five thousand
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  Speaker 3: retail stores. Over the years, he's launched one of the
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  Speaker 3: top five online poker sites globally, has thrown forty nine
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  Speaker 3: elevator night events, co founded one hundred million Mastermind experience,
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  Speaker 3: spoken at over two hundred and fifty business events. Angel
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  Speaker 3: invested in forty three companies and his agency has spent
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  Speaker 3: over sixty million dollars with social media influencers, fashion brands,
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  Speaker 3: film studios, mobile apps and consumer products, and just the
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  Speaker 3: mastermind when it comes to business business branding and the
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  Speaker 3: new age of business that we're in right now, when
• 8:42
  Speaker 3: it comes to social media influencers and what we're on now, YouTube, TikTok,
• 8:48
  Speaker 3: different things of that nature, is extremely important. And Dan
• 8:52
  Speaker 3: has been a mastermind and somebody that a lot of
• 8:54
  Speaker 3: our friends have built relationships with and they all speak
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  Speaker 3: extremely highly of him.
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  Speaker 4: First and foremost, thank you for joining us.
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  Speaker 6: Appreciate it, pleasure, thanks for having me.
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  Speaker 5: Did we miss anything.
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  Speaker 6: My charity for the homeless, We've been doing it for
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  Speaker 6: eleven years. We make backpacks for the homeless with one
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  Speaker 6: hundred fifty items inside.
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  Speaker 3: That's my real point, very important to say this time. Yeah,
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  Speaker 3: absolutely all right, So let's let's start this off. So
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  Speaker 3: I would like to talk to you about, you know, branding.
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  Speaker 3: Business branding is extremely important, but let's start off with
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  Speaker 3: something that you know, I'm very passionate about when it
• 9:32
  Speaker 3: comes to content creation. And you know, I saw a
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  Speaker 3: post where you talked about, you know, the best things
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  Speaker 3: online are free, like they say the best things in
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  Speaker 3: life for free.
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  Speaker 4: The best things online.
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  Speaker 3: Is free, like you can scale your business and grow
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  Speaker 3: it organically, and you really don't have to have a budget.
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  Speaker 3: So this is extremely important conversation. So can you talk
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  Speaker 3: about that?
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  Speaker 6: Yep. So the hard part for most people on social
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  Speaker 6: media is that they have these things in their mind
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  Speaker 6: of why they can't do it, or why they don't
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  Speaker 6: want to do it, why it's scary. They're like, I'm
• 10:01
  Speaker 6: not gonna do TikTok because I got to dance around.
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  Speaker 6: I only do business videos. I don't dance around on TikTok,
• 10:05
  Speaker 6: and I get lots of views. You can too. They're like, oh,
• 10:09
  Speaker 6: I don't want to tweet. I don't know if anybody's
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  Speaker 6: gonna listen. People go viral with four hundred followers and
• 10:13
  Speaker 6: get millions of views off of Twitter because of the
• 10:15
  Speaker 6: way the reality works on Twitter. People get like, I
• 10:18
  Speaker 6: don't want to do Facebook because I don't want to
• 10:20
  Speaker 6: see my aunts and uncle argue about politics. You don't
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  Speaker 6: have to use it as social media. You can just
• 10:24
  Speaker 6: use it as media. You don't have to do the
• 10:26
  Speaker 6: social part if you don't want to. If you don't
• 10:28
  Speaker 6: like Facebook, don't do it. You don't like TikTok, you
• 10:30
  Speaker 6: don't have to use it. For the social element, but
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  Speaker 6: you do need to use it for media because you
• 10:34
  Speaker 6: have a personal brand, whether you like it or not.
• 10:36
  Speaker 6: Your friends from high school think about you, your coworkers
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  Speaker 6: think about you, the people in your neighborhood think about you.
• 10:41
  Speaker 6: People interact with you, and they think about you, and
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  Speaker 6: you have a personal brand. It's up to you to
• 10:45
  Speaker 6: decide if you're going to tell your story or let
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  Speaker 6: them gossip and have rumors and think about you without
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  Speaker 6: you telling your story. And so for me, the reason
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  Speaker 6: that I'm so passionate about social media is that I've
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  Speaker 6: watched it change so many people's lives, and I watched
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  Speaker 6: people make money, make careers, make babies, Like a lot
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  Speaker 6: of things happen when you create social media content, and
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  Speaker 6: it's free. Facebook, Instagram, Twitter, LinkedIn, Snapchat, TikTok, YouTube, every
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  Speaker 6: single one of those platforms is free. So there's no
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  Speaker 6: excuse about the budget part because it's free. You already
• 11:12
  Speaker 6: have a fancy phone because you're watching right now on
• 11:15
  Speaker 6: a laptop or an iPhone or an Android, so you
• 11:17
  Speaker 6: already have a really fancy phone and really fancy camera.
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  Speaker 6: So everything that you need to make social media is
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  Speaker 6: completely free.
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  Speaker 5: That's important. Can you talk about the importance of where
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  Speaker 5: you're placing the content. I know you said that. You know,
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  Speaker 5: I'd rather have two thousand hits on LinkedIn rather than
• 11:35
  Speaker 5: twenty thousand views on Instagram. Having the importance of where
• 11:38
  Speaker 5: you're placing the content and the value add of each
• 11:40
  Speaker 5: one of those yep.
• 11:42
  Speaker 6: So depending on your career, passion, or hobby, there's going
• 11:45
  Speaker 6: to be different platforms for you. LinkedIn is very very
• 11:48
  Speaker 6: business focused, which is why it's the best platform when
• 11:50
  Speaker 6: you're trying to be a real estate agent, an investor,
• 11:54
  Speaker 6: and accountant, you're looking for a job, you're trying to
• 11:56
  Speaker 6: hire people. Link LinkedIn is the best platform for that.
• 11:59
  Speaker 6: But at night might not be the platform you make
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  Speaker 6: your content for. Most people make their content for Instagram
• 12:04
  Speaker 6: or Facebook. What you can do is then repurpose that
• 12:07
  Speaker 6: exact same content on LinkedIn, on TikTok, on Facebook, et cetera.
• 12:12
  Speaker 6: So you're gonna make your content for a platform that
• 12:14
  Speaker 6: you're comfortable with, which is usually Instagram or Facebook, and
• 12:16
  Speaker 6: then repurpose that exact same content on the other platforms.
• 12:20
  Speaker 6: What you're not gonna do is don't post about your
• 12:22
  Speaker 6: dogs on LinkedIn. You're not gonna post about kids on LinkedIn.
• 12:25
  Speaker 6: That's more for Facebook, Instagram and TikTok and Twitter. LinkedIn
• 12:29
  Speaker 6: is going to be very business career focused. But all
• 12:31
  Speaker 6: the other platforms, Facebook, Instagram, and TikTok, you can post
• 12:35
  Speaker 6: the exact same content on all those platforms and then
• 12:37
  Speaker 6: use your business content on LinkedIn.
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  Speaker 3: So I want to talk about, you know, building relationships.
• 12:45
  Speaker 3: I know you worked with the Kardashians, right, yep, So
• 12:50
  Speaker 3: how did that go?
• 12:51
  Speaker 4: What's the story behind that?
• 12:53
  Speaker 6: So that started back in the Fashion Nova days, when
• 12:55
  Speaker 6: Fashion nov was first getting started. I was driving to
• 12:58
  Speaker 6: Kylie's house and driving to Kim's house and addresses and cashiers,
• 13:02
  Speaker 6: check or wire transfer whatever it was back then, to
• 13:05
  Speaker 6: do posts. And then fifty I was doing their campaigns.
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  Speaker 6: They were spending six figures a month with me, sometimes
• 13:11
  Speaker 6: millions dollars a month with me. Same thing. I go
• 13:13
  Speaker 6: over to Kylie's house, go over to Kim's house, drop
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  Speaker 6: off fifty, explain what I wanted for the posts, and
• 13:18
  Speaker 6: from there I was doing Black China, Scott Disick, amber Rose,
• 13:21
  Speaker 6: all the different characters on social media. When it was
• 13:24
  Speaker 6: first getting started, you know, they only had five hundred
• 13:27
  Speaker 6: thousand fowers and a million, then two million, ten million.
• 13:29
  Speaker 6: They didn't have hundreds of millions of followers like now,
• 13:32
  Speaker 6: and so watching the evolution of it has been fascinating
• 13:34
  Speaker 6: to see the fashion of as the fifties pretty little thing,
• 13:38
  Speaker 6: all these different brands that have scaled from social media,
• 13:40
  Speaker 6: but it all really started back in the fashion of
• 13:42
  Speaker 6: the fifteen days.
• 13:45
  Speaker 3: Okay, so my follow up question for that is, but
• 13:48
  Speaker 3: people that's looking to work with influencers, now, what advice
• 13:51
  Speaker 3: would you give them to you know, start working, like
• 13:54
  Speaker 3: if they have a clothing brand or if they are
• 13:56
  Speaker 3: a trainer, what advice would you give people that's looking
• 13:59
  Speaker 3: to work with influencers.
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  Speaker 6: Absolutely, it's never been easier to get connected with an
• 14:03
  Speaker 6: influencer because you can just slide in their dms, they
• 14:05
  Speaker 6: have their email addresses and most of the time in
• 14:07
  Speaker 6: their bios, and you can also go to platforms where
• 14:10
  Speaker 6: they're not as big. So let's say they're on Instagram
• 14:12
  Speaker 6: and they got three million followers, they might not see
• 14:14
  Speaker 6: your DMS, but on Facebook or Twitter or LinkedIn, they
• 14:18
  Speaker 6: might only have four thousand followers or fifty thousan followers,
• 14:20
  Speaker 6: one hundred thousand followers, et cetera. So it's easier to
• 14:23
  Speaker 6: connect with them not on their main platform by dming
• 14:26
  Speaker 6: or emailing them on a different platform. Also, be really
• 14:29
  Speaker 6: clear with what you want to offer. So if you're
• 14:31
  Speaker 6: saying I want to give you free clothes, or I
• 14:33
  Speaker 6: want to pay you two hundred bucks or five hundred
• 14:34
  Speaker 6: bucks or a thousand bucks or whatever you want to
• 14:36
  Speaker 6: pay for the posts, make that clear in the first
• 14:39
  Speaker 6: five words of your message so that they open up
• 14:41
  Speaker 6: your message. This is really important. Don't say Hi, how
• 14:44
  Speaker 6: are you doing, and then say I want to pay
• 14:46
  Speaker 6: you five hundred bucks, because what will happen is if
• 14:48
  Speaker 6: I'm Amber Rose or I'm Taiga and I'm looking at
• 14:52
  Speaker 6: your DM that came in, I'm going to see, Hi,
• 14:54
  Speaker 6: how are you doing. I've got thousands of those, so
• 14:56
  Speaker 6: I'm not even going to open it if I'm the influencer.
• 14:58
  Speaker 6: Does that make sense? So it's important in the very
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  Speaker 6: there's a few words to say, paid posts, free clothes.
• 15:03
  Speaker 6: Start off with exactly what you want to offer in
• 15:06
  Speaker 6: the first five words so that they can see it.
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  Speaker 5: That makes perfect sense. That happens a lot if I
• 15:12
  Speaker 5: look at my dms and somebody says, hey, mister millions,
• 15:14
  Speaker 5: I'm always looking because I feel like there's a student
• 15:16
  Speaker 5: from my past that's reaching out to me, So that's
• 15:19
  Speaker 5: very important. I want to tell about the consistency right
• 15:21
  Speaker 5: as your network and you're gaining obviously clients, you have
• 15:26
  Speaker 5: to be consistent with what you're putting up at what's
• 15:28
  Speaker 5: the strategic plan that you have or does it change
• 15:31
  Speaker 5: based on clients' needs? Yep.
• 15:34
  Speaker 6: So what's interesting for for our agency? For example, we
• 15:37
  Speaker 6: paid three five hundred influencers just this year, so thirty
• 15:40
  Speaker 6: five hundred separate w NI influencers. And if you understand influencers,
• 15:44
  Speaker 6: that's like chasing cats, like to try to get them
• 15:46
  Speaker 6: to fill out a W nine form. It's not easy
• 15:48
  Speaker 6: in the influencer space. That happened because of the consistencies.
• 15:52
  Speaker 6: For the last nine years, I have no long term contracts.
• 15:55
  Speaker 6: I do all the TV shows for BT for the
• 15:57
  Speaker 6: last four years. I do everything for Oracle for the
• 15:59
  Speaker 6: last five years. All my clients are four years, five years,
• 16:02
  Speaker 6: six years, nine years, et cetera. From consistency, not from
• 16:05
  Speaker 6: them being locked into contracts. I don't even have a
• 16:07
  Speaker 6: long term contract. The way I do it is everything
• 16:10
  Speaker 6: I say, I underpromise and I over deliver and by
• 16:14
  Speaker 6: doing that, even if it's just a little bit. If
• 16:16
  Speaker 6: I do that, the clients are gonna reorder over and
• 16:19
  Speaker 6: over and over. And that's what my whole life's been like,
• 16:21
  Speaker 6: is that I always say, hey, you know what, we're
• 16:23
  Speaker 6: gonna get you one million views. If we get them
• 16:26
  Speaker 6: one point nine million, what's gonna happen. They're gonna reorder, right.
• 16:29
  Speaker 6: But what if I over exaggerate and say, you know what,
• 16:31
  Speaker 6: I'm gonna get you two point five million views and
• 16:33
  Speaker 6: then I get them one point nine I'm a failure, right,
• 16:36
  Speaker 6: They're gonna fire me. And so I always underestimate what
• 16:39
  Speaker 6: I'm gonna do for them, and don't ever say like,
• 16:41
  Speaker 6: I'm gonna get you fifty posts and then get them
• 16:44
  Speaker 6: forty five. They'll hate me. If I say I'm gonna
• 16:47
  Speaker 6: get you thirty posts and get you in forty five,
• 16:49
  Speaker 6: I fifty percent over delivered. And so I'm not gonna
• 16:52
  Speaker 6: lose a client by saying something that's a realistic number
• 16:55
  Speaker 6: and then overperforming. A lot of times people say I'm
• 16:57
  Speaker 6: gonna get you one hundred different posts, and I'm gonna
• 16:59
  Speaker 6: get you. I remind you, is why would you You
• 17:02
  Speaker 6: don't have to do that? You don't have to exaggerate,
• 17:04
  Speaker 6: and so I'm really big on underpromising and over delivering.
• 17:08
  Speaker 4: Yeah, that's extremely important. And I learned that.
• 17:11
  Speaker 3: You know, I used to be in financial services, and
• 17:13
  Speaker 3: it's like as an advisor, like you might tell somebody,
• 17:17
  Speaker 3: you know, you can expect a six percent rate of
• 17:19
  Speaker 3: return over the course of a couple of years, and
• 17:21
  Speaker 3: then if they get a twelve percent rate of return,
• 17:24
  Speaker 3: then they're looking at you like, you know, you're a hero.
• 17:27
  Speaker 3: But if you told them that you're going to get
• 17:29
  Speaker 3: an eighteen percent rate of return, even if they get
• 17:31
  Speaker 3: fifteen percent rate of return, which actually leads the market,
• 17:34
  Speaker 3: they're disappointed because the expectations that you set early on
• 17:38
  Speaker 3: were too high.
• 17:39
  Speaker 4: That's an extremely valuable lesson.
• 17:41
  Speaker 3: You have to know how to set not even realistic expectations,
• 17:46
  Speaker 3: a little lower than realistic expectations so you can over
• 17:50
  Speaker 3: deliver and now psychologically you look like a champion as
• 17:53
  Speaker 3: opposed to somebody that didn't hit the benchmark in.
• 17:56
  Speaker 6: All aspects of life. Imagine you tell your wife, I'm
• 17:58
  Speaker 6: gonna be home at nine o'clock and you get there.
• 18:01
  Speaker 6: You're in trouble, right, you say I'm gonna get there
• 18:03
  Speaker 6: a ten o'clock get their nine twenty five. You're a hero.
• 18:06
  Speaker 5: I missed you so much, honey, I came home early.
• 18:11
  Speaker 3: I want to I want to talk about branching out right.
• 18:14
  Speaker 3: So it's like you have multiple streams of income. And
• 18:18
  Speaker 3: this is something that a lot of entrepreneurs struggle with
• 18:20
  Speaker 3: as well, where they always hear that that that's saying
• 18:22
  Speaker 3: you need seven streams of income, and I always say, like,
• 18:25
  Speaker 3: it's not necessarily that you need seven stream seven different
• 18:27
  Speaker 3: businesses or seven different jobs. You just need to perfect
• 18:30
  Speaker 3: one thing really well and then you'll have spinoffs off
• 18:34
  Speaker 3: of that one thing. So like a restaurant, right, Like
• 18:37
  Speaker 3: a restaurant owner can now you know, write a cookbook.
• 18:42
  Speaker 3: A restaurant owner can now you know, be a private chef,
• 18:45
  Speaker 3: they can coach, they can consult other restaurants. So you
• 18:48
  Speaker 3: can create a whole ecosystem of revenue streams based off
• 18:52
  Speaker 3: of one level of expertise. So how have you been
• 18:55
  Speaker 3: able to to kind of, you know, diversify your business
• 18:58
  Speaker 3: model by doing moremultiple different things off of your core
• 19:02
  Speaker 3: principle of business.
• 19:04
  Speaker 6: So my core businesses Elevator Studios, that's my social media agency.
• 19:07
  Speaker 6: I've done it for niney years. I'm gonna do it
• 19:09
  Speaker 6: for many many years. I'm never going to sell it
• 19:11
  Speaker 6: because you can't sell agency. You only get a one
• 19:13
  Speaker 6: x multiple users on agencies, So I'm never going to
• 19:15
  Speaker 6: exit my agency. I use it for leverage to do
• 19:17
  Speaker 6: exactly what you just said. I now have Elevator Rolling Fund,
• 19:21
  Speaker 6: which is my hedge fund. I have Elevator Syndicate, which
• 19:23
  Speaker 6: is eight hundred and forty six investors in my syndicate group,
• 19:26
  Speaker 6: so I get twenty percent of fees when I invest
• 19:28
  Speaker 6: into deals. We did forty one million dollars in investments
• 19:31
  Speaker 6: just this year. So I'm using my social media agency
• 19:33
  Speaker 6: as my leverage point to pay influencers to build the brand,
• 19:37
  Speaker 6: get connections with brands. Relationships make influencers happy because I'm
• 19:40
  Speaker 6: paying them for stuff. And then when I invest in
• 19:43
  Speaker 6: the companies, I now have favors, right because I in
• 19:45
  Speaker 6: mess in this company and say hey, I made you
• 19:47
  Speaker 6: one hundred grand the last four months on social media,
• 19:50
  Speaker 6: will you post about this drink or this food, or
• 19:53
  Speaker 6: this skateboard or this brand or this bike or this
• 19:55
  Speaker 6: restaurant whatever, And they're happy to do it because I've
• 19:57
  Speaker 6: helped make them money. And so I use my core
• 19:59
  Speaker 6: business exactly like you said, and then I branch out
• 20:01
  Speaker 6: where I'm speaking at events. I throw Elevator Nights, which
• 20:04
  Speaker 6: is my free event. I don't make money from that,
• 20:05
  Speaker 6: but it's my free event that I bring in three
• 20:08
  Speaker 6: hundred to one thousand guests at each event. But all
• 20:10
  Speaker 6: these things build relationship, some of them build income, but
• 20:13
  Speaker 6: all of it comes from the stem of this is
• 20:15
  Speaker 6: my core business. I do social media posts. I've done
• 20:17
  Speaker 6: one hundred and ten thousand paid posts. That's my day job.
• 20:20
  Speaker 6: That's my core business. And then all the other things
• 20:22
  Speaker 6: are tacked on under the exact same name too. It's
• 20:24
  Speaker 6: all Elevator. Just like you said, there.
• 20:27
  Speaker 5: Was a lot inside of it. And I'm glad you
• 20:29
  Speaker 5: brought up the word the syndicated investing because I was
• 20:33
  Speaker 5: watching the clip on it. I'm like, that's pretty interesting.
• 20:35
  Speaker 5: Can you break down exactly syndicate investing? And I guess
• 20:39
  Speaker 5: angel investing because I feel like maybe our audience is
• 20:41
  Speaker 5: familiar with the angel side of it. But you spoke
• 20:44
  Speaker 5: about syndicate. Can you break that down?
• 20:46
  Speaker 6: Yep, So as an angel investor, that's you as an individual.
• 20:49
  Speaker 6: So I've done forty three angel investments, average one hundred
• 20:52
  Speaker 6: thousand and five hundred thousand per check. Most angel investments
• 20:55
  Speaker 6: range from a twenty five thousand, which is kind of
• 20:57
  Speaker 6: the average check, to one hundred thousand. Even the really
• 20:59
  Speaker 6: really wealthy guys are doing twenty five k to one
• 21:01
  Speaker 6: hundred K, and then when they get into it deeper,
• 21:03
  Speaker 6: they'll start to do to fifty five hundred, et cetera.
• 21:06
  Speaker 6: If they're really behind a brand, if they're really behind
• 21:08
  Speaker 6: the business. On the syndicate side, the eight hundred and
• 21:11
  Speaker 6: forty six investors that are there, that's where I'm able
• 21:14
  Speaker 6: to do a zoom call like this and say, Hey,
• 21:16
  Speaker 6: I'm raising money for let's call it ever Bowl, which
• 21:19
  Speaker 6: is an asie bowl chain. I'm raising money for ever Bowl.
• 21:22
  Speaker 6: I'm investing five hundred thousand, my friends investing one hundred thousand,
• 21:25
  Speaker 6: this person investing two hundred thousand. So collectively, me and
• 21:27
  Speaker 6: four friends we're putting in a million bucks. We're raising
• 21:29
  Speaker 6: four million dollars more. Now, the syndicate members can make
• 21:33
  Speaker 6: a decisions bluely optional. If they want to invest, they
• 21:36
  Speaker 6: can say I'll do twenty five K, I'll do fifty K,
• 21:39
  Speaker 6: I'll do one hundred K, and they can text your
• 21:40
  Speaker 6: emails saying that they're going to invest as a group.
• 21:43
  Speaker 6: Now those forty two people come in. We've raised the
• 21:46
  Speaker 6: four million dollars plus the million dollars that me and
• 21:49
  Speaker 6: my friends are contributing, so now we have five million
• 21:51
  Speaker 6: dollars to give to the company. Ever bowl in this example,
• 21:55
  Speaker 6: we then give the five million dollars to the company.
• 21:57
  Speaker 6: The founders were happy because they're getting one check. All
• 22:01
  Speaker 6: of the people in the syndicate group have to wire
• 22:03
  Speaker 6: to me an elevator syndicate, and then I wire one
• 22:05
  Speaker 6: check to the company, which is important because the company
• 22:08
  Speaker 6: doesn't have to deal with forty seven different people. They
• 22:10
  Speaker 6: just deal with me. They have optional to inter interact
• 22:14
  Speaker 6: with them because they're strategic investors, but they don't have to.
• 22:17
  Speaker 6: So syndication deals are really powerful in that fashion for
• 22:19
  Speaker 6: an entrepreneur because you can collectively raise a bunch of
• 22:22
  Speaker 6: money in smaller twenty five K, fifty K, hundred k
• 22:24
  Speaker 6: checks for the company. Now the syndicate in our in
• 22:28
  Speaker 6: our situation, there is a twenty percent carry, so some
• 22:32
  Speaker 6: people take a two and twenty. It was like a
• 22:33
  Speaker 6: normal hedge fund where you'd take two percent of the
• 22:36
  Speaker 6: money raised. So five million in that example, normally we
• 22:39
  Speaker 6: take two percent. We don't take that and then twenty
• 22:41
  Speaker 6: percent and not say you shouldn't. In case you do
• 22:43
  Speaker 6: a syndicate, you can and should take the two percent
• 22:45
  Speaker 6: and then the twenty percent carry is when that company sells.
• 22:48
  Speaker 6: So let's say we put in five million at a
• 22:50
  Speaker 6: fifteen million vialuation and we own a third of the
• 22:52
  Speaker 6: business in that example, later that company that was worth
• 22:55
  Speaker 6: fifteen million sells for sixty The syndicate investors get their
• 22:59
  Speaker 6: money act at the fifteen million nuation and then out
• 23:02
  Speaker 6: of the forty five million, we then get twenty percent
• 23:05
  Speaker 6: of their profits. So we don't get any money from
• 23:07
  Speaker 6: what they put in, but we get twenty percent above.
• 23:10
  Speaker 6: So let's say you put in one hundred thousand and
• 23:12
  Speaker 6: you got back four hundred thousand, we would get twenty
• 23:14
  Speaker 6: percent with a three hundred thousand profit as a syndicate group.
• 23:17
  Speaker 6: And you guys can replicate this for business. People can
• 23:21
  Speaker 6: do it for real estate as well. It's a different model.
• 23:23
  Speaker 6: You can't use angelists. Angelists is what we use. That's
• 23:26
  Speaker 6: the biggest platform in the world. It's very inexpensive to
• 23:28
  Speaker 6: use it. If anybody wants to do a syndicate, but
• 23:30
  Speaker 6: we use angelists. You cannot do that for real estate,
• 23:33
  Speaker 6: but you can do syndication deals for real estate. It's
• 23:35
  Speaker 6: really a powerful way to raise capital and smaller checks
• 23:38
  Speaker 6: for one big deal.
• 23:41
  Speaker 3: So you're in the business, you say you put up
• 23:45
  Speaker 3: hundreds of thousands of the posts, right?
• 23:48
  Speaker 4: What? Okay?
• 23:49
  Speaker 3: This is the million dollar question. What is the secret
• 23:53
  Speaker 3: formula for having post work?
• 23:55
  Speaker 5: Like?
• 23:56
  Speaker 4: What works and what does not work?
• 23:59
  Speaker 6: So it's interesting I've handwritten almost all the captions. Out
• 24:02
  Speaker 6: of one hundred and ten thousand posts, We've done almost
• 24:04
  Speaker 6: every caption I've written. And the basic things are the
• 24:08
  Speaker 6: human eye the brain. When we're scrolling through social media
• 24:12
  Speaker 6: and we see something that we like that gets us
• 24:14
  Speaker 6: a serotonin, we see the visual thing that photo or video.
• 24:17
  Speaker 6: Let's say Kylie Jenner is holding up glow water last week. Right,
• 24:21
  Speaker 6: Visually you see her holding up glow water. The caption
• 24:25
  Speaker 6: has to be easily readable. If the caption would have
• 24:28
  Speaker 6: said I'm Kylie, I love glow water, thank you, and
• 24:31
  Speaker 6: shout out to this photographer, this location, this makeup artist,
• 24:34
  Speaker 6: this hairstylus, the human eye would see too many things
• 24:37
  Speaker 6: and too many tags, and we wouldn't think about glow Water,
• 24:40
  Speaker 6: and we wouldn't click on it because there's too much
• 24:42
  Speaker 6: action happening. If it says I love at glow Water,
• 24:45
  Speaker 6: now us as consumers and followers know what to do.
• 24:48
  Speaker 6: Right if she says I love Fashionova or thank you
• 24:51
  Speaker 6: to Fit t et cetera, the human eye knows what
• 24:54
  Speaker 6: to do because there's only three to eight words of
• 24:56
  Speaker 6: what to click on. If it starts to be a sentence,
• 25:01
  Speaker 6: the human eye will skip through it. When you give
• 25:02
  Speaker 6: us too many options, we choose none. And so it's
• 25:05
  Speaker 6: really important when you do shoutouts, when you do influencer campaigns,
• 25:08
  Speaker 6: make the caption really easy to read. Ideally it's like
• 25:11
  Speaker 6: four to fifteen words and it's not like a speech.
• 25:15
  Speaker 6: It's not tagging multiple things, there's no extra hashtags. Just
• 25:18
  Speaker 6: think about what the human eye could see, and think
• 25:20
  Speaker 6: about for yourself when you're scrolling through, what do you
• 25:22
  Speaker 6: want to look at? If you see something with five
• 25:24
  Speaker 6: tags in it, you're not going to click any of
• 25:26
  Speaker 6: them because there's too much noise.
• 25:28
  Speaker 4: So you say how many words max?
• 25:31
  Speaker 2: You want?
• 25:32
  Speaker 6: Four to fifteen so that way it doesn't go more
• 25:34
  Speaker 6: than three sentences. On Instagram, for example, you don't want
• 25:37
  Speaker 6: to go more than three sentences because then it becomes
• 25:40
  Speaker 6: under the fold. Under the fold means they have to
• 25:42
  Speaker 6: click it to be able to see the rest of
• 25:43
  Speaker 6: the words. You don't want to be able to have.
• 25:45
  Speaker 6: You don't want them to have to click it.
• 25:48
  Speaker 5: How often are you updating you know the changes that
• 25:51
  Speaker 5: happen on social media, right, because that makes sense and
• 25:54
  Speaker 5: it sounds like, yeah, we could do that, but then
• 25:56
  Speaker 5: there's an algorithm that catches us and then people don't
• 25:59
  Speaker 5: see you will we're posting. How do you combat that?
• 26:02
  Speaker 6: So the hard part with the algorithm it changes every day,
• 26:05
  Speaker 6: not every week, not every month. We just don't notice
• 26:07
  Speaker 6: all the little changes that happen as they're testing, and
• 26:10
  Speaker 6: they're testing for different segments, different audiences, different countries, different cities,
• 26:14
  Speaker 6: et cetera. So there's a lot of changes happening. The
• 26:16
  Speaker 6: main thing to keep in mind is if you want
• 26:18
  Speaker 6: people to see your content is keep your photos and
• 26:22
  Speaker 6: videos for the people that are watching, not for yourself.
• 26:26
  Speaker 6: If you make share about content, people engage with it,
• 26:29
  Speaker 6: whether you show them something interesting, make them laugh, or
• 26:32
  Speaker 6: teach them something. If you do one of those three things.
• 26:34
  Speaker 6: If you teach them something, they will share it. If
• 26:36
  Speaker 6: they share it, Instagram knows ding you're doing something good
• 26:40
  Speaker 6: because someone forwarded your posts. If they see that people
• 26:43
  Speaker 6: are liking it, Ding, they see that people like it,
• 26:45
  Speaker 6: now they're going to show it to some more people.
• 26:47
  Speaker 6: If you made them laugh and they're tagging their friends, Ding,
• 26:50
  Speaker 6: see what you have to make people want to engage.
• 26:52
  Speaker 6: The way you do it is make the content for
• 26:54
  Speaker 6: the people. That part will never change. The algorithm will
• 26:57
  Speaker 6: always reward engagement on the posts. The way to get
• 27:00
  Speaker 6: engagement is to make it for the people watching, not
• 27:02
  Speaker 6: for yourself.
• 27:05
  Speaker 3: So how do you feel about videos?
• 27:09
  Speaker 4: How long should a video?
• 27:11
  Speaker 3: Because now every video is a real even if it's
• 27:13
  Speaker 3: four minutes, it's still a real And we know that
• 27:16
  Speaker 3: reels performed better than just regular videos.
• 27:21
  Speaker 4: How long should a video be?
• 27:24
  Speaker 6: So for the most part, I don't do any videos
• 27:27
  Speaker 6: on over fifty nine seconds. We live in a very
• 27:30
  Speaker 6: add society, and TikTok has made it even faster. You know,
• 27:34
  Speaker 6: Vine first made it really fast at six seconds. Instagram
• 27:37
  Speaker 6: was fifteen seconds and then finally became sixty and then
• 27:39
  Speaker 6: they made IGTV. But IGTV is the proof that people
• 27:42
  Speaker 6: are not watching long form content on Instagram because IGTV
• 27:46
  Speaker 6: is not here, so people are not going through that
• 27:49
  Speaker 6: platform to watch long form content. They are there for
• 27:52
  Speaker 6: short form content. Same thing with ig stories. You want
• 27:55
  Speaker 6: to keep your clips under fifteen clips because if you
• 27:58
  Speaker 6: have forty five clips, we're going to keep all of
• 28:00
  Speaker 6: them because we're not in that time. We're not there
• 28:03
  Speaker 6: in our mindset when we're looking at ig stories, we
• 28:06
  Speaker 6: want to be fast, and so when someone's enjoying Instagram,
• 28:09
  Speaker 6: you want to keep those videos to under a minute
• 28:11
  Speaker 6: for the most part, unless you need a deep dive,
• 28:13
  Speaker 6: unless you need to go down the rabbit hole. On YouTube,
• 28:15
  Speaker 6: it's the opposite. Unless you're doing a YouTube short. You
• 28:18
  Speaker 6: want to make four minute, twelve minute, twenty minute videos
• 28:21
  Speaker 6: because that's where people are going for long form content.
• 28:24
  Speaker 6: YouTube is like TV to people, so they'll watch them
• 28:26
  Speaker 6: from content. But for the most part, just keep in
• 28:28
  Speaker 6: mind what you would watch if you're on Instagram, you're
• 28:31
  Speaker 6: on Twitter, you're on Facebook. Under sixty seconds is what
• 28:34
  Speaker 6: I do for all my videos because I want it
• 28:35
  Speaker 6: and all my ads. I don't do any ads over
• 28:37
  Speaker 6: fifty nine seconds. Never, It's never happened. Never will you
• 28:40
  Speaker 6: want people to be able to consume that content in
• 28:43
  Speaker 6: a short in a short form fashion, unless you're on YouTube.
• 28:48
  Speaker 5: So when you have obviously high profile clients, is there
• 28:52
  Speaker 5: a specific peak time that you ideally that you like
• 28:56
  Speaker 5: to pose in How consistently, how consistently and how how
• 29:00
  Speaker 5: many times or how often do you suggest people posts
• 29:03
  Speaker 5: YEP on a daily basis.
• 29:05
  Speaker 6: So the main thing to keep in mind is it's
• 29:07
  Speaker 6: kind of like if a tree falls in the forest
• 29:09
  Speaker 6: and no one's around. The main thing to do is
• 29:11
  Speaker 6: posting people are awake. I often see people posting at
• 29:14
  Speaker 6: three am and midnight, et cetera, and then they're on
• 29:17
  Speaker 6: the West coast and now it's three hours later on
• 29:19
  Speaker 6: the East coast. If people are awake, they cannot engage
• 29:22
  Speaker 6: with their content and they are unlikely to see it
• 29:24
  Speaker 6: the next day because if your post doesn't do well,
• 29:27
  Speaker 6: Instagram or the other platforms are not going to show
• 29:29
  Speaker 6: it to them, and so then it's like a double
• 29:30
  Speaker 6: whammy against you. So the main trick is posting people
• 29:33
  Speaker 6: are awake first. Second, when you start to get granular,
• 29:37
  Speaker 6: eight and nine in the morning is always going to
• 29:39
  Speaker 6: be the best because that's when people are first getting up,
• 29:42
  Speaker 6: going to work, first getting to school or they're at work,
• 29:45
  Speaker 6: and the first thing they do is check their phone.
• 29:46
  Speaker 6: And so a lot of the things I talk about
• 29:48
  Speaker 6: are just real life common sense. The same way you
• 29:50
  Speaker 6: read a caption, the same way human behavior is if
• 29:53
  Speaker 6: my eye can't see it, or I'm on my way
• 29:55
  Speaker 6: to work, that's the times that I'm looking at content.
• 29:58
  Speaker 6: The next part is at five pm. Five pm to
• 30:01
  Speaker 6: six pm is when people are leaving work, leaving school,
• 30:03
  Speaker 6: just getting home. During that time, it can also now breathe.
• 30:08
  Speaker 6: Breathing means the post is getting some engagement, and it
• 30:12
  Speaker 6: can breathe because the platform is showing to more people.
• 30:14
  Speaker 6: And so if you post at five to six pm
• 30:16
  Speaker 6: and people are starting to trickle home again, one of
• 30:18
  Speaker 6: the first things they do is they open up their
• 30:20
  Speaker 6: phones to look at social media. So eight to nine
• 30:23
  Speaker 6: in the morning when they first get to school or work,
• 30:25
  Speaker 6: five to six pm when they're first leaving all of
• 30:27
  Speaker 6: my posts for paid posts, I'm requesting an eight am
• 30:31
  Speaker 6: post or a nine am post, depending on what city
• 30:32
  Speaker 6: they're in, or a five or six pm posts, depending
• 30:34
  Speaker 6: on what city are Then Monday through Friday, the weekends
• 30:37
  Speaker 6: are much different because there is no driving to work,
• 30:40
  Speaker 6: there is no getting home from school, et cetera. So
• 30:42
  Speaker 6: the weekends are mostly just posting any time between eight
• 30:45
  Speaker 6: am and six pm. It could be eleven, one three.
• 30:49
  Speaker 6: There's no formula to the weekends because sometimes there's football games,
• 30:53
  Speaker 6: sometimes there's award show, sometimes there's them going to a picnic.
• 30:56
  Speaker 6: There's things happening on the weekends. So you're gonna have
• 30:58
  Speaker 6: a very different ebb and flow when it comes to
• 31:00
  Speaker 6: the weekends. But Monday through Friday, keep in mind eight
• 31:03
  Speaker 6: am to nine pm is ideal and five to six
• 31:05
  Speaker 6: pm is ideal.
• 31:07
  Speaker 3: Is when you say PM, are you are you referring
• 31:09
  Speaker 3: to Eastern Standard Time, So.
• 31:12
  Speaker 6: I'm referring to a PSD referring to the West Coast time,
• 31:15
  Speaker 6: except if the majority of your followers are in East Coast,
• 31:18
  Speaker 6: then the time is the same for you. If you
• 31:21
  Speaker 6: have a national audience or international audience, then you're going
• 31:24
  Speaker 6: to want to go a bit earlier, keeping in mind
• 31:26
  Speaker 6: the time difference.
• 31:27
  Speaker 3: So you look geographically where your followers are and base
• 31:32
  Speaker 3: it off of that.
• 31:35
  Speaker 6: GREGT if I have an East Coast, if I have
• 31:37
  Speaker 6: someone from New York or Miami doing a post, I'm
• 31:39
  Speaker 6: having them post usually at ten eleven am. Because that's
• 31:43
  Speaker 6: going to be eight to nine am out here on
• 31:44
  Speaker 6: the West Coast. I'm not going to have someone on
• 31:47
  Speaker 6: the West Coast. I won't let them post at ten
• 31:49
  Speaker 6: pm because that's one in the morning. You know, if
• 31:51
  Speaker 6: you're in Atlanta, in New York, Miami, it's so late
• 31:54
  Speaker 6: they're sleeping. So I'm very strict about that eight am post,
• 31:57
  Speaker 6: nine am post, or five to six pm posts the
• 32:00
  Speaker 6: West Coast.
• 32:01
  Speaker 3: Do you feel that for entrepreneurs right? How do you
• 32:06
  Speaker 3: feel about people selling from social media pages? Do you
• 32:10
  Speaker 3: think that social media should just be, you know, not
• 32:13
  Speaker 3: really for a hard sale or can you sell from
• 32:16
  Speaker 3: a social media page?
• 32:16
  Speaker 4: How do you feel about that?
• 32:18
  Speaker 6: You absolutely positively can sell from a social media page.
• 32:22
  Speaker 6: If you believe in something that it helps people either
• 32:25
  Speaker 6: make more money, better credit, get a house, lose weight,
• 32:30
  Speaker 6: improve their marriage, better food, et cetera. It is rude
• 32:33
  Speaker 6: of you not to sell it. If you think what
• 32:36
  Speaker 6: you sell helps people, it is rude of you not
• 32:38
  Speaker 6: to sell it. And people pay for what they believe in.
• 32:42
  Speaker 6: So if someone buys something from you and you're selling
• 32:45
  Speaker 6: them something at one hundred dollars where you give it
• 32:47
  Speaker 6: to them for free, I promise to you without a
• 32:49
  Speaker 6: shot of a doubt. I've done this my whole life.
• 32:51
  Speaker 6: If they paid one hundred bucks, they will take it
• 32:53
  Speaker 6: way more seriously. They'll be given to them for free.
• 32:55
  Speaker 6: And a lot of people are taken back by that
• 32:57
  Speaker 6: because like, oh, if you believe in your product and
• 32:59
  Speaker 6: you're to help people, just give it away for free.
• 33:01
  Speaker 6: People will do not take action when they get something
• 33:04
  Speaker 6: for free. If you throw an event, I'll give you
• 33:06
  Speaker 6: an example. When I throw Elevator Nights, which is similar
• 33:08
  Speaker 6: to your business conference. My event's free. I have to
• 33:12
  Speaker 6: have two to three times the amount of people RSVP
• 33:15
  Speaker 6: to show up because of the free ticket. Your guys event,
• 33:18
  Speaker 6: if they paid two hundred, five hundred bucks, thousand bucks,
• 33:20
  Speaker 6: two grand, whatever, they're going to show up because they
• 33:22
  Speaker 6: pay five hundred bucks on a thousand bucks, right, They're
• 33:24
  Speaker 6: always going to show up for my event that's free.
• 33:27
  Speaker 6: If I don't get a thousand people RSVP, and I'm
• 33:29
  Speaker 6: not going to get three to five hundred people to
• 33:31
  Speaker 6: show up because it's a free ticket, they don't mind.
• 33:34
  Speaker 6: I'll be late. Who cares it was free? So when
• 33:37
  Speaker 6: I have my Mastermind events, My Mastermind events one hundred
• 33:40
  Speaker 6: thousand dollars. Nobody misses it, right, they'll cancel whatever they
• 33:44
  Speaker 6: have to cancel, fly across the country. The planets to
• 33:46
  Speaker 6: be there because they paid a lot of money to
• 33:48
  Speaker 6: be there. If they don't pay anything for it, they're
• 33:51
  Speaker 6: not going to take it as seriously. So do not
• 33:53
  Speaker 6: be scared to sell on social media. However, keep one
• 33:56
  Speaker 6: thing in mind. Do not sell every day. If you're
• 33:59
  Speaker 6: selling every day, people are gonna be blocking you. They
• 34:02
  Speaker 6: don't want to watch it. They don't want to they
• 34:03
  Speaker 6: don't want to feel sold to every single post. And
• 34:06
  Speaker 6: so the idea is, give content, make them laugh, make
• 34:09
  Speaker 6: it interesting, teach them something, et cetera. Boom asks for
• 34:12
  Speaker 6: the sale, make content, make them laugh, make them interesting,
• 34:15
  Speaker 6: make them part of your life. Build some emotional attachment,
• 34:18
  Speaker 6: top of mind awareness, Boom, go for the sale. If
• 34:21
  Speaker 6: you do that, I promise you your engagement will go
• 34:23
  Speaker 6: through the roof and they'll help you sell rather than
• 34:25
  Speaker 6: if you're trying to sell every day, people are gonna
• 34:27
  Speaker 6: stop watching.
• 34:29
  Speaker 3: If you don't pay, you're not paying attention. And that's
• 34:31
  Speaker 3: really true a lot of times. And yeah, we do
• 34:35
  Speaker 3: a lot of free events as well, so we know
• 34:37
  Speaker 3: the ratio. Sometimes it's even worse than that. Sometimes you
• 34:39
  Speaker 3: can have to do like a five to one, a
• 34:40
  Speaker 3: four to one ratio, depending on the event, depending on
• 34:43
  Speaker 3: the market, depending.
• 34:44
  Speaker 4: On the day.
• 34:45
  Speaker 3: And you know, it's one of these unfortunate situations, but
• 34:50
  Speaker 3: it's a reality. And you have a free event and
• 34:54
  Speaker 3: you have to get five thousand people to RSVP for
• 34:58
  Speaker 3: one thousand people to show up, and they just don't
• 35:02
  Speaker 3: take it serious because you could be an Idaho and
• 35:05
  Speaker 3: just RSVP for an event in Miami and it's like,
• 35:08
  Speaker 3: why not just do it just because.
• 35:12
  Speaker 4: We've seen So that's it.
• 35:13
  Speaker 3: I have to say that's important for when you're starting
• 35:15
  Speaker 3: your business. Anybody that's listening, if you have a free anything,
• 35:19
  Speaker 3: if you're doing giveaways, free events, understand that you have
• 35:23
  Speaker 3: to take that into consideration, because you might not take
• 35:26
  Speaker 3: that in consideration. You might just think, Okay, I'm looking
• 35:28
  Speaker 3: for a thousand people, A thousand people signed up for
• 35:31
  Speaker 3: this free giveaway, A thousand people sign up for this
• 35:33
  Speaker 3: free event, and I'm good, and then you get disappointed
• 35:36
  Speaker 3: with only three hundred or two hundred people actually show up.
• 35:39
  Speaker 3: So if you're if you haven't done that before, then
• 35:42
  Speaker 3: that's that's an important lesson that we had to learn.
• 35:45
  Speaker 5: Actually, yeah, we learned it in real time.
• 35:48
  Speaker 4: Yeah yeah.
• 35:48
  Speaker 5: So social media obviously play plays a major part. But
• 35:51
  Speaker 5: people in small businesses they have social media pages, but
• 35:55
  Speaker 5: they also have landed pages and websites. Can you talk
• 35:57
  Speaker 5: about the importance of having or give us some tips
• 36:01
  Speaker 5: on having a landed page or a one page website
• 36:05
  Speaker 5: where it's going to get the most effective traction for
• 36:08
  Speaker 5: our business.
• 36:09
  Speaker 6: Yep. So you only have three to seven seconds when
• 36:12
  Speaker 6: people land onto your funnel page or to your landing
• 36:14
  Speaker 6: page for them to make a decision if they're going
• 36:16
  Speaker 6: to stay. And so the very top of your page
• 36:19
  Speaker 6: is the most important part. The very top screen is
• 36:21
  Speaker 6: the most important part. To be very visual and have
• 36:25
  Speaker 6: four to nine words that explain what they're looking at.
• 36:28
  Speaker 6: Then they will make a decision if they're going to
• 36:30
  Speaker 6: keep scrolling. There's actual ways you can see how far
• 36:33
  Speaker 6: they looked, how long they spend time within your website.
• 36:36
  Speaker 6: They can show you it's called a heat map. They
• 36:38
  Speaker 6: can show you the heat map of where they went,
• 36:39
  Speaker 6: how long they stayed, et cetera. For the most part,
• 36:42
  Speaker 6: all of the decision happens in that very top of
• 36:44
  Speaker 6: it and in that top page. You should also have
• 36:47
  Speaker 6: your buy now or your RSVP or your emails sign
• 36:50
  Speaker 6: up should be in the bottom of that top side.
• 36:52
  Speaker 6: If you look visually, and let's say on your phone
• 36:54
  Speaker 6: or a laptop, the bottom of that top of the screen,
• 36:57
  Speaker 6: that bottom frame should have your buy now or claim this,
• 37:01
  Speaker 6: or sign up or give your email there. They call
• 37:03
  Speaker 6: to action should be there on the top screen because
• 37:05
  Speaker 6: you don't know if they're going to scroll down, but
• 37:07
  Speaker 6: if they see it, they can take an action if
• 37:09
  Speaker 6: they want to. Now. Next thing, do not have a
• 37:12
  Speaker 6: website with nineteen different pages. I promise you they're not
• 37:15
  Speaker 6: going down that rabbit hole with you. That's not what
• 37:17
  Speaker 6: they're there for when you're trying to sell the products,
• 37:20
  Speaker 6: unless you're trying to build some long term brand. And
• 37:23
  Speaker 6: even then people do not want to go down nineteen
• 37:26
  Speaker 6: different pages. You want to make it as easy as possible,
• 37:29
  Speaker 6: dummy proof it so when they get to your page,
• 37:31
  Speaker 6: if you're selling fashion or protein or CBD or real
• 37:35
  Speaker 6: estate or credit or whatever you're doing, top of the page,
• 37:37
  Speaker 6: explain what you're doing. The middle part it should definitely
• 37:40
  Speaker 6: be able to take an action. They're telling your story.
• 37:42
  Speaker 6: By the time they get to the lower third, like
• 37:44
  Speaker 6: two or three pages down on your one main page.
• 37:48
  Speaker 6: You have to be they should know, they should be
• 37:50
  Speaker 6: able to explain your business to other people. They should
• 37:52
  Speaker 6: be able to brag about.
• 37:53
  Speaker 3: You, Dan, as we can go on all day about this,
• 38:00
  Speaker 3: but you know that you you know, we respect your
• 38:03
  Speaker 3: time and we have a couple of other people to
• 38:05
  Speaker 3: bring on.
• 38:05
  Speaker 4: But before before we.
• 38:07
  Speaker 3: Let you go, I wanted to thank you for actually
• 38:09
  Speaker 3: adding your course to the Eyo University platform. So that's
• 38:13
  Speaker 3: that's part of the remodeling that we're doing. We've added
• 38:15
  Speaker 3: I believe nineteen different courses and Dan's course is one
• 38:19
  Speaker 3: of the courses that have been added to the platform.
• 38:21
  Speaker 3: So if you're on the Eyo University platform, then you
• 38:24
  Speaker 3: have access to the course.
• 38:25
  Speaker 5: So we should put some gems in the chat from
• 38:27
  Speaker 5: our earners right now.
• 38:28
  Speaker 4: Yeah, appreciate appreciate that. You appreciate that for sure. Thank you.
• 38:34
  Speaker 4: Any last words you want to leave the people with.
• 38:37
  Speaker 6: Just get started. So many people are scared and nervous
• 38:40
  Speaker 6: about getting started. If you just start, make your website,
• 38:44
  Speaker 6: make your social media, get your name, get your bank account,
• 38:46
  Speaker 6: just getting all the things getting set up, you'll feel
• 38:48
  Speaker 6: like a business and it's kind of like if by
• 38:50
  Speaker 6: three in the pool you start swimming, You're gonna feel
• 38:52
  Speaker 6: more way more comfortable once you start swimming.
• 38:56
  Speaker 4: Appreciate it. Appreciate it.
• 38:57
  Speaker 5: Let's start.
• 38:58
  Speaker 7: Then.
• 38:59
  Speaker 3: It was great connecting with you. I've heard a lot
• 39:01
  Speaker 3: about you. This is the first time I've actually been
• 39:03
  Speaker 3: able to connect. Hopefully we can connect again. Thank you
• 39:06
  Speaker 3: for coming, and once again, thank you for adding your
• 39:08
  Speaker 3: course to the platform.
• 39:09
  Speaker 4: Really appreciate it.
• 39:10
  Speaker 5: Happy holidays to you and the family.
• 39:12
  Speaker 6: You got it anytime, guys, Thank you, all.
• 39:15
  Speaker 4: Right, take care, all right.
• 39:17
  Speaker 3: I told you we're gonna have an action packed program
• 39:20
  Speaker 3: today the night before Thanksgiving. Who does this? Who does
• 39:24
  Speaker 3: this on Thanksgiving Eve? After traveling twelve and a half
• 39:29
  Speaker 3: hours from Abu Dhabi to New York and running around
• 39:34
  Speaker 3: New York City as soon as they get back.
• 39:37
  Speaker 4: It's pretty crazy.
• 39:39
  Speaker 5: Somebody's gotta do it.
• 39:41
  Speaker 4: Oh, somebody definitely has to do it. That is a fact.
• 39:45
  Speaker 4: I believe Dan is frozen. It looks like let's se we.
• 39:51
  Speaker 5: Yes, oh, we're joined by another gentleman on.
• 40:02
  Speaker 8: You're feeling the night.
• 40:04
  Speaker 5: Everything's good man.
• 40:05
  Speaker 4: Good good man?
• 40:07
  Speaker 3: Okay, Yes, Dan has exited. Chat Herry, what's going on Man,
• 40:11
  Speaker 3: how are you.
• 40:12
  Speaker 7: I'm feeling good, fellas Man. Thank you for having me
• 40:14
  Speaker 7: and I truly appreciate it.
• 40:16
  Speaker 5: We appreciate you taking time out. I know there was
• 40:19
  Speaker 5: plenty of preparation for tomorrow. I'm sure you're part of it,
• 40:23
  Speaker 5: but you blessed, blessed people with loads of information. So
• 40:26
  Speaker 5: we really appreciate that.
• 40:28
  Speaker 8: Thank you, Thank you so much.
• 40:30
  Speaker 4: The Haitian CEO. Yes, yes, yes, it's very important.
• 40:40
  Speaker 5: Bald head and beards. You did, you did so.
• 40:45
  Speaker 3: Irman is a master when it comes to credit, business credit,
• 40:50
  Speaker 3: and this is something that's extremely important. Once again, I
• 40:53
  Speaker 3: feel like we can never have this conversation enough. I
• 40:55
  Speaker 3: put a post up today and it just went crazy,
• 40:57
  Speaker 3: and it just shows you how hungry people are for
• 41:00
  Speaker 3: with the information. And it's extremely important. So we're going
• 41:03
  Speaker 3: to do a deep dive into the world of credit.
• 41:06
  Speaker 3: But before we start, wanting to just talk about the
• 41:09
  Speaker 3: Eyo University situation again. So, you know, meeting with Robert
• 41:14
  Speaker 3: Smith when we met with him a while back, and
• 41:17
  Speaker 3: he was telling us, right, you know who Robert Smith is.
• 41:19
  Speaker 3: He's the richest black person in America. So he was
• 41:24
  Speaker 3: saying how he got his start and finances was through
• 41:28
  Speaker 3: mergers and acquisition, and he was telling us the whole
• 41:33
  Speaker 3: play behind the mergers and acquisition and that you know,
• 41:36
  Speaker 3: that's the real game that they play on the highest
• 41:39
  Speaker 3: level of finance, and that's really what he was doing
• 41:44
  Speaker 3: as an investment banker, was broke away those deals for
• 41:46
  Speaker 3: mergers and acquisitions. So you know, you got to listen
• 41:50
  Speaker 3: to when people speak and you have to be able
• 41:52
  Speaker 3: to apply the information in real time and process it
• 41:55
  Speaker 3: very quickly, so you know, earn your Lisia. We've obviously
• 42:00
  Speaker 3: built a tremendous media platform and there's other people in
• 42:03
  Speaker 3: the space that we respect, and recession Proof is an
• 42:08
  Speaker 3: educational platform that has become extremely impressive platform. They've done
• 42:12
  Speaker 3: a lot of great events, They've built then extremely strong community.
• 42:16
  Speaker 3: They've done live events for their members only only for
• 42:19
  Speaker 3: their members, and we've seen it firsthand and it actually
• 42:23
  Speaker 3: was a major inspiration for investments. So, you know, seeing
• 42:28
  Speaker 3: and just being really impressed with the infrastructure what they've
• 42:32
  Speaker 3: been able to accomplish, not an acquisition, but a merger,
• 42:38
  Speaker 3: a merger of eyl University and Recession Proof, so it's
• 42:45
  Speaker 3: early a Lesion University powered by Recession Proof. Yeah, basically. So,
• 42:55
  Speaker 3: so you know, I feel like that's an important step
• 42:58
  Speaker 3: forward for the culture.
• 43:04
  Speaker 5: Absolutely.
• 43:04
  Speaker 3: So, you know, you got to be able to work together.
• 43:06
  Speaker 3: You've got to be able to put egos aside. You
• 43:09
  Speaker 3: have to be able to sit at the same table
• 43:14
  Speaker 3: and understand that you know, yeah, you have more power
• 43:19
  Speaker 3: in collaboration as opposed to competition. And this is something
• 43:23
  Speaker 3: that you know, I don't think a lot of people
• 43:25
  Speaker 3: really expected, but I think it's going to be something else,
• 43:29
  Speaker 3: a game changer.
• 43:30
  Speaker 5: I think. I mean just from a standpoint of inspiring
• 43:34
  Speaker 5: each other, pushing each other and wanted to see the
• 43:37
  Speaker 5: best for each other. I think we've done that over
• 43:38
  Speaker 5: the past two years. Like you said, when we went
• 43:41
  Speaker 5: to the Recession Proof conference in Miami and looked at
• 43:44
  Speaker 5: what was put together, we knew that, you know what,
• 43:47
  Speaker 5: this is something that we can do at a large scale.
• 43:51
  Speaker 5: So to be merging with such such a prestigious and
• 43:55
  Speaker 5: illustrious community like RPX, it is something that is the
• 44:00
  Speaker 5: the community. You know, it's going to serve them wholeheartedly,
• 44:04
  Speaker 5: and I'm excited for it. Man. The way that they've structured,
• 44:07
  Speaker 5: you know, their community and all the things that they have,
• 44:09
  Speaker 5: it was like this is something that can add value
• 44:12
  Speaker 5: to our community. And likewise, you know this is going
• 44:15
  Speaker 5: to be pieces that you know, our earners are going
• 44:17
  Speaker 5: to be added over there. So it's a it's a
• 44:19
  Speaker 5: game changer for the for the financial literacy community overall.
• 44:24
  Speaker 5: So I'm excited. So shout out to everybody, marp X,
• 44:26
  Speaker 5: shouts to our earners. Yeah, the biggest just got bigger.
• 44:30
  Speaker 4: More, more, more value.
• 44:31
  Speaker 3: And like I said, it's now you're going to have
• 44:33
  Speaker 3: EYO University is going to have the best parts of
• 44:36
  Speaker 3: Recession Proof. From Resession Proof, We're gonna have the best
• 44:38
  Speaker 3: parts of Yo University. So you know, they have those
• 44:41
  Speaker 3: chapters in place. This is where the chapters come from.
• 44:43
  Speaker 3: This is where the courses come from, as far as
• 44:46
  Speaker 3: you know, like Dan's course and a bunch of other
• 44:48
  Speaker 3: courses that's actually going to be in some announced you
• 44:51
  Speaker 3: don't have to go and buy courses from all of
• 44:53
  Speaker 3: these other different outlets. Where in one community you have
• 44:56
  Speaker 3: all the courses in under one roof. That's revolution within itself,
• 45:01
  Speaker 3: and that's something that is like, you know, you gotta
• 45:02
  Speaker 3: kind of bring all of the it's like mob Boss,
• 45:07
  Speaker 3: like you bring all of the families together, like you
• 45:09
  Speaker 3: know what I mean. So it's like that's a revolutionary
• 45:11
  Speaker 3: thing to have all of the courses under one umbrella.
• 45:13
  Speaker 3: I don't think that's ever really been done before. So
• 45:16
  Speaker 3: it's in the volume as low Joy.
• 45:21
  Speaker 4: Which one is it?
• 45:21
  Speaker 5: This one? A second? I don't think you go ahead?
• 45:24
  Speaker 3: So yeah, so Eve texts learn the word learn so
• 45:30
  Speaker 3: for zero one, two, three, eight, seven, four, seven nine,
• 45:35
  Speaker 3: and we'll be giving you updates on the relaunch of
• 45:38
  Speaker 3: e y l University uh launching on Friday right before
• 45:44
  Speaker 3: Madison Square Garden.
• 45:46
  Speaker 5: Good.
• 45:47
  Speaker 3: There's always something, there's always something. The never the never
• 45:51
  Speaker 3: finished strategy, it's never finished, it's always it's always under construction.
• 45:57
  Speaker 4: More a lot more so. All right, So let's get
• 46:00
  Speaker 4: into this.
• 46:01
  Speaker 3: Let's get into this business conversation. Extremely important. The differences
• 46:06
  Speaker 3: between business credit and corporate credit, corporate credit. I haven't
• 46:12
  Speaker 3: really talked about that too much. What's the difference between
• 46:13
  Speaker 3: business credit and corporate credit?
• 46:15
  Speaker 7: So the main difference between business credit and corporate credit
• 46:19
  Speaker 7: is that business credit, which a lot of people talk
• 46:22
  Speaker 7: about kind of familiar with, is that it's connected to
• 46:26
  Speaker 7: your Social Security number, it's connected to you having good credit,
• 46:30
  Speaker 7: so you're basically co signing for your business. So what
• 46:34
  Speaker 7: we like to teach our mentees, our friends, our clients,
• 46:37
  Speaker 7: and people who are listening to our earners is also,
• 46:40
  Speaker 7: at the same time try to build up your business
• 46:43
  Speaker 7: so that it can get corporate credit. Corporate credit is
• 46:46
  Speaker 7: not connected to your social whatsoever. It's just utilizing your
• 46:50
  Speaker 7: EI in. So you got like Jeff Bazo, so we're
• 46:53
  Speaker 7: Steve Jobs Reside Steve Jobs. When they were building up
• 46:56
  Speaker 7: their companies, they were also building up their EI in
• 46:59
  Speaker 7: so they didn't have to personally guarantee anything for their business.
• 47:03
  Speaker 7: So that's super important to make sure that you're not
• 47:05
  Speaker 7: just building up your business credit, which is a great
• 47:08
  Speaker 7: starting capital that you need you get that quit twenty
• 47:11
  Speaker 7: five thirty fifty thousand for your business, but at the
• 47:13
  Speaker 7: same time also building up your corporate credit so you
• 47:16
  Speaker 7: can build up your business like in a year or two. Right,
• 47:20
  Speaker 7: So you're not personally guaranteeing anything. You're getting money and
• 47:22
  Speaker 7: you're not giving the banks your Social Security number to
• 47:25
  Speaker 7: get business credit cards and loans, et cetera.
• 47:27
  Speaker 5: Like that.
• 47:29
  Speaker 3: Okay, everybody hit the like button. This is extremely important
• 47:33
  Speaker 3: to almost two thousand people on YouTube.
• 47:35
  Speaker 4: Thousand that's pretty impressive. You've hitting the like button and
• 47:40
  Speaker 4: share please.
• 47:41
  Speaker 5: Yeah. One of the things we've done is we set
• 47:44
  Speaker 5: up multiple LLCs. So I want you to dive into that,
• 47:47
  Speaker 5: sending up multiple LLCs so that you can get six
• 47:50
  Speaker 5: figure funding.
• 47:51
  Speaker 8: Oh yeah, So if you if you understand that hack.
• 47:55
  Speaker 7: If I know one LLC can get me ten, fifteen,
• 47:58
  Speaker 7: twenty five thousand, right, then why wouldn't I do that
• 48:02
  Speaker 7: with multiple LLCs?
• 48:03
  Speaker 8: Right?
• 48:04
  Speaker 7: So me, I love coming up with LLCs, even though
• 48:08
  Speaker 7: whether I'm not going to use them or not. Like
• 48:09
  Speaker 7: I come up with the idea of success as a
• 48:11
  Speaker 7: receipts it's one of my brands, right or Audit your
• 48:13
  Speaker 7: Circle another one of my brands.
• 48:14
  Speaker 8: Right, But I also turned it into an LLC.
• 48:17
  Speaker 7: Right, So I know one LLC I can get twenty
• 48:20
  Speaker 7: five thirty forty thousand dollars. Then the other LLC I
• 48:23
  Speaker 7: know I can duplicate that exact same process. So there's
• 48:26
  Speaker 7: a lot of people sitting with three, four or five LLCs.
• 48:28
  Speaker 7: They haven't done anything with them. There's a hearn, how
• 48:31
  Speaker 7: am I going to get funding for my business? Didn't
• 48:33
  Speaker 7: make any money? That's not important right now. If you
• 48:35
  Speaker 7: got the good credit, you can personally guarantee though all
• 48:38
  Speaker 7: those LLC's and get funded from them. And then you'll
• 48:42
  Speaker 7: look up and you got six figures in funding to
• 48:44
  Speaker 7: do startup capital for whether we're trying to business, you're
• 48:46
  Speaker 7: trying to do.
• 48:47
  Speaker 5: So the keys that have good personal credits, so you
• 48:50
  Speaker 5: can be a guarantee for those LZ's.
• 48:52
  Speaker 8: That's the key when you are building business credit.
• 48:55
  Speaker 7: But again, like we said a couple of minutes ago,
• 48:57
  Speaker 7: at the same time, you want to build a corporate
• 48:58
  Speaker 7: credit for those businesses off So but I know a
• 49:01
  Speaker 7: lot of.
• 49:01
  Speaker 8: Us we just want to get to it.
• 49:03
  Speaker 7: So you got the good credit, you got over six
• 49:05
  Speaker 7: eighty and above, go get to it. Go get that money,
• 49:08
  Speaker 7: Go get that go get that bag first.
• 49:11
  Speaker 3: What's the ten commandments when it comes to business credit?
• 49:17
  Speaker 8: The ten commandments to getting your business funded.
• 49:21
  Speaker 7: Number one, I want you all to write this down right,
• 49:23
  Speaker 7: because this is how you maximize to ensure how much
• 49:27
  Speaker 7: funding you can get for your business.
• 49:29
  Speaker 8: Right.
• 49:29
  Speaker 7: So, if you know Truest Bank or Key Bank, you
• 49:32
  Speaker 7: know that they're gonna give you twenty.
• 49:33
  Speaker 8: Five thousand dollars no dock. You know that right.
• 49:36
  Speaker 7: Whenever you are missing certain things from this ten commandments,
• 49:40
  Speaker 7: and knocks it down a couple of thousands. So number one,
• 49:42
  Speaker 7: you want to make sure you have a proper, proper
• 49:44
  Speaker 7: business name. The name of my company is Bellisloan Enterprises. Right,
• 49:48
  Speaker 7: it's a general name. There's a lot of high risk
• 49:51
  Speaker 7: industries out there, right, so real estate, trucking. So if
• 49:54
  Speaker 7: that's singing your business name, it's gonna limit how much
• 49:56
  Speaker 7: funding you're gonna get, or they probably.
• 49:58
  Speaker 8: Deny you the money.
• 49:59
  Speaker 7: So ll Us one enterprise will get twenty five thousand,
• 50:01
  Speaker 7: but bella Sloan real estate company that same profile, it's
• 50:07
  Speaker 7: probably gonna get ten thousand. So having the proper business
• 50:09
  Speaker 7: name is important. Number two, you want to make sure
• 50:11
  Speaker 7: you have a great business address. Right, brick and mortar,
• 50:15
  Speaker 7: of course, but if not, get yourself a virtual address,
• 50:18
  Speaker 7: because if you're going to the bank trying to maximize
• 50:20
  Speaker 7: how much money you get, you want to make.
• 50:22
  Speaker 8: Sure you look like a real business.
• 50:23
  Speaker 7: Try to not look like a mom and pop where
• 50:26
  Speaker 7: you're giving them your home address as your business address.
• 50:29
  Speaker 7: You want to walk into Chase, You want to walk
• 50:31
  Speaker 7: into Wells Fargo like a real outstanding business. That's commandment
• 50:34
  Speaker 7: number two. Commandment number three, you want to have a
• 50:36
  Speaker 7: legitimate email address info at bellostone Enterprises dot com, not
• 50:41
  Speaker 7: Bellostone Enterprises at Gmail, those little things these banks are
• 50:44
  Speaker 7: looking at. Commandment number four, want to make sure you
• 50:48
  Speaker 7: have a real business website. So I told a couple
• 50:51
  Speaker 7: of my mentees this. When everybody was getting the SBAEI
• 50:55
  Speaker 7: d L money, right, if they didn't have a proper email,
• 50:58
  Speaker 7: it literally got kick to a real underwriter, right, So
• 51:02
  Speaker 7: the real underwriter was looking to see if he was
• 51:03
  Speaker 7: a little legitimate business. Because you're giving an app Gmail
• 51:06
  Speaker 7: and you're trying to get one hundred fifty thousand, it
• 51:08
  Speaker 7: didn't make sense. So Commanding number four, having a good
• 51:11
  Speaker 7: business email. Commanding number five, you want to make sure
• 51:13
  Speaker 7: you have a business website, a real presence online so
• 51:18
  Speaker 7: that the banks know you're legit, like I'm not giving
• 51:20
  Speaker 7: you twenty five thirty fifty thousand dollars and you're not
• 51:22
  Speaker 7: going anywhere. And then once you have all this demographic information,
• 51:26
  Speaker 7: next commandment, that's what you put on your LLC. Because
• 51:30
  Speaker 7: before when I started talking about business funding, everybody ran
• 51:33
  Speaker 7: and got an LLC, but they putting their cell phone number,
• 51:36
  Speaker 7: their home address on it. Now you want to set
• 51:38
  Speaker 7: up your business demographics first, then you put that on
• 51:41
  Speaker 7: a business application your LLC, excuse me, then you get
• 51:45
  Speaker 7: your EI in and then once your business is structured,
• 51:48
  Speaker 7: I want you open up a business checking account and
• 51:51
  Speaker 7: a business savings account. Now I want to stay on
• 51:53
  Speaker 7: this real quick. Commandment number seven. I want to stay
• 51:55
  Speaker 7: on this real quick because how you open up your
• 51:58
  Speaker 7: business checking account and saving account is important. The more
• 52:02
  Speaker 7: products that you have with a bank, the better the
• 52:06
  Speaker 7: relationship with the bank, the more likely they are to
• 52:08
  Speaker 7: get you funded.
• 52:09
  Speaker 4: Right.
• 52:09
  Speaker 7: So, if I'm walking into a bank and I'm like, hey,
• 52:12
  Speaker 7: can I get a twenty five thousand dollars credit card?
• 52:13
  Speaker 8: I gotta get great credit.
• 52:15
  Speaker 7: That's wonderful, right, But isn't it better if I'm ope,
• 52:18
  Speaker 7: If I go to the bank, I get my LLC,
• 52:20
  Speaker 7: my EI in documentation, I give them my operating agreement.
• 52:23
  Speaker 7: I'm like, hey, can I open up a checking account?
• 52:25
  Speaker 7: Can I open up a savings account with you? So,
• 52:28
  Speaker 7: now just open up two products with them. I put
• 52:30
  Speaker 7: fifty dollars in each account, write nothing crazy, and then
• 52:33
  Speaker 7: I ask them for funding. So building relationships with bank
• 52:37
  Speaker 7: is crucial one of those unknown steps to help you
• 52:41
  Speaker 7: get more funding from that same bank Commandment number nine.
• 52:46
  Speaker 7: Having different relationships with different tiers of banks. I always
• 52:51
  Speaker 7: tell everyone to please start first with getting funding and
• 52:55
  Speaker 7: relationships with credit unions in your area first. So I
• 52:58
  Speaker 7: tell them, listen, go to Google Maps, type in the
• 53:01
  Speaker 7: word credit union and putting your zip code. You'll see
• 53:04
  Speaker 7: ten fifteen credit unions in your zip code alone that
• 53:08
  Speaker 7: you can go and start a business relationship with right
• 53:11
  Speaker 7: and then find out give them a call, Hey, Truemark,
• 53:15
  Speaker 7: where do you pull from? We pull from Ecofax. Another bank,
• 53:18
  Speaker 7: where do you pull from? We pull from TransUnion. Another
• 53:20
  Speaker 7: one where you pull from we pull from experience. So
• 53:22
  Speaker 7: now you're getting three relationships. You know they're pulling from
• 53:26
  Speaker 7: different credit bureaus. So when you go to the second bank,
• 53:28
  Speaker 7: they didn't know you just got twenty five thousand from
• 53:30
  Speaker 7: the first bank. So just like that, if each of
• 53:32
  Speaker 7: them give you ten thousand on a bad Saturday, you
• 53:34
  Speaker 7: just raise yourself thirty thousand dollars right from three different banks.
• 53:38
  Speaker 7: So credit unions left to give bigger bags out. So
• 53:41
  Speaker 7: I always tell people start with credit unions first, then
• 53:43
  Speaker 7: work your way up to the different tiers where you
• 53:46
  Speaker 7: work your way up to like citizens, where they're like
• 53:49
  Speaker 7: more regional or truest, the more regional, our nationwide, and
• 53:53
  Speaker 7: then you hit up the big boys. Then you go
• 53:54
  Speaker 7: to Wells Fargo, then you go to Chase, but start
• 53:56
  Speaker 7: in your community first. And then lastly, of course commandment
• 53:59
  Speaker 7: number time that's for that money, asks them for that funding,
• 54:02
  Speaker 7: and you should be in good position to maximize what
• 54:04
  Speaker 7: you can get from each bank.
• 54:06
  Speaker 5: It's ten business man, miss what you got to say
• 54:11
  Speaker 5: that at the end. So we're applying to the banks,
• 54:14
  Speaker 5: we're sending our applications. You got this thing called the
• 54:16
  Speaker 5: power for it? Can you break that down?
• 54:19
  Speaker 8: The power of the four?
• 54:19
  Speaker 7: All right, So there's a little there's a little a
• 54:22
  Speaker 7: bank information that they don't want you to know.
• 54:24
  Speaker 9: Right.
• 54:24
  Speaker 7: I love when people say down, So I'm gonna say
• 54:25
  Speaker 7: it to what they don't want you to know, So
• 54:28
  Speaker 7: save the power for it. Say, for instance, you have
• 54:33
  Speaker 7: two credit cards, right, they're ten thousand dollars each limit.
• 54:36
  Speaker 7: That's a credit availability that you got, but you make
• 54:40
  Speaker 7: thirty thousand dollars a year, right, So the bank is
• 54:44
  Speaker 7: going to look at that application. They were like, this
• 54:46
  Speaker 7: person is actually high risk? Why because tomorrow he could
• 54:51
  Speaker 7: max out the cars to twenty thousand dollars, right, But
• 54:55
  Speaker 7: he only makes thirty thousand dollars a year, right, So
• 54:58
  Speaker 7: the bank actually looks you as somebody that's actually risky.
• 55:02
  Speaker 7: So sometimes I tell my earners, my mentees, I tell them, hey,
• 55:07
  Speaker 7: if you got to you gotta somebody on your team,
• 55:10
  Speaker 7: a code sign or somebody else who doesn't look at
• 55:12
  Speaker 7: high risk.
• 55:13
  Speaker 8: So somebody who's less high risk is the power for.
• 55:16
  Speaker 7: So twenty thousand dollars multiplied by four is eighty thousand dollars.
• 55:20
  Speaker 8: So the bank is looking for somebody who.
• 55:22
  Speaker 7: Makes eighty thousand dollars a year, right, who has twenty
• 55:26
  Speaker 7: thousand available credit card.
• 55:27
  Speaker 8: That person is low risk to the bank.
• 55:30
  Speaker 7: So that's why I say the power of for is
• 55:32
  Speaker 7: what the banks look at when assessing somebody's credit profile
• 55:35
  Speaker 7: to see how much funding they can give them.
• 55:37
  Speaker 3: On the business side, so talk about credit union funding.
• 55:44
  Speaker 7: Credit union funding kind of talked about it a little
• 55:46
  Speaker 7: bit earlier. It's the best place to start, it's the
• 55:48
  Speaker 7: best place to go when you are trying to get funding.
• 55:52
  Speaker 7: For everybody that's on a call, I know, we all
• 55:55
  Speaker 7: go into the name brands first. We're gonna go to Chase,
• 55:57
  Speaker 7: We're gonna go to Wells Fargo, and they're great institutions.
• 55:59
  Speaker 7: But I want everybody to start in your community first,
• 56:02
  Speaker 7: because the credit unions are ready to invest.
• 56:04
  Speaker 8: In the people that are in their community first. Right.
• 56:06
  Speaker 8: I even have I.
• 56:08
  Speaker 7: Even have a strategy where a lot of my mentees
• 56:10
  Speaker 7: where they're like, listen, well, there's a great bank in Virginia. Right,
• 56:14
  Speaker 7: Virginia got a great bank, but my LLC is not
• 56:17
  Speaker 7: in Virginia's in Pennsylvania. We'll get a foreign entity, right,
• 56:20
  Speaker 7: so you can do business in the state of Virginia,
• 56:24
  Speaker 7: and then you hit up that credit union because you
• 56:26
  Speaker 7: know they give away thirty thousand dollars real quick if
• 56:28
  Speaker 7: you got a six to ninety credit score. So getting
• 56:31
  Speaker 7: a foreign entity is how you literally multiply or mimic
• 56:34
  Speaker 7: your LLC in all fifty states, so you can get
• 56:38
  Speaker 7: the capitol in different places. So I travel a lot.
• 56:40
  Speaker 7: I'm in Atlanta, I'm in Miami, I'm in Cali. So
• 56:42
  Speaker 7: I make sure I got foreign entities in those different
• 56:44
  Speaker 7: states because if I happen to be out there and
• 56:46
  Speaker 7: my man's give me a good play, Like yo, there's
• 56:47
  Speaker 7: credit Union, bro, They're giving fifty thousand dollars line of credit.
• 56:49
  Speaker 7: You got a seven hundred credit score, then I want
• 56:51
  Speaker 7: to make sure I'm in position to go there because
• 56:53
  Speaker 7: I know credit unions are going to give me a
• 56:55
  Speaker 7: bigger bag than regional or national banks.
• 57:00
  Speaker 5: What are the three things as entrepreneurs that we can
• 57:02
  Speaker 5: do to get the most funded? Right? A lot of
• 57:04
  Speaker 5: times when we try to start a business, fund is
• 57:06
  Speaker 5: obviously always the issue. What are three things that we
• 57:08
  Speaker 5: can do to make sure we get the most.
• 57:11
  Speaker 7: To make sure you get the most fund and to
• 57:13
  Speaker 7: put yourself in position to get the bigger bag. Number one,
• 57:15
  Speaker 7: make sure your inquiries are low on your credit report.
• 57:20
  Speaker 7: So if I told you true Marcus pulling from TransUnion,
• 57:23
  Speaker 7: make sure you have under three inquiries from that credit bureau,
• 57:28
  Speaker 7: or make sure you don't have any recent inquiries in
• 57:30
  Speaker 7: the last six months. So keep your inquiries though. That's
• 57:33
  Speaker 7: going to maximize your funding. Number two, I know it
• 57:35
  Speaker 7: sounds sexy that yo, I'm the owner of Bellislan Enterprises.
• 57:39
  Speaker 7: It sounds great, right, owners don't make money. You know
• 57:42
  Speaker 7: who make money? Who get consistent bread w two employees.
• 57:46
  Speaker 7: So when I open up a bank account, I tell
• 57:48
  Speaker 7: them I am the president, I'm the CEO, I'm the
• 57:51
  Speaker 7: cio right, because they know I'm getting paid every week,
• 57:55
  Speaker 7: so they know I'm gonna pay this check every week.
• 57:57
  Speaker 7: They know I got a certain salary, so I'm gonna
• 57:59
  Speaker 7: make sure I get I get money every week. And
• 58:01
  Speaker 7: number three, follow the ten Commandments. Rewind the tape. It's
• 58:04
  Speaker 7: gonna be on YouTube. Follow the ten Commandments. Position your
• 58:07
  Speaker 7: business in proper place to maximize your funding. Those are
• 58:11
  Speaker 7: three tips I got for you guys to make sure
• 58:13
  Speaker 7: you get the maximum funding when you walk into these banks.
• 58:17
  Speaker 3: So let's let's let's answer some questions if we can absolutely.
• 58:21
  Speaker 3: This is another part of the hand Already platform is
• 58:25
  Speaker 3: that it's an interactive experience, so we get to actually
• 58:27
  Speaker 3: not just hear us talk, but answer questions in real time.
• 58:30
  Speaker 3: And that's beneficial because a lot of people in the
• 58:32
  Speaker 3: audience have the same question.
• 58:33
  Speaker 5: So let's do this. Man, George, we are coming to you.
• 58:37
  Speaker 5: Mute yourself. You've been muted, George. What's up? What's going on?
• 58:47
  Speaker 5: Oh man, you're not at work. So if you don't
• 58:48
  Speaker 5: know how this works, there are no frizz breaks when
• 58:51
  Speaker 5: we come to you, you better be ready to roll
• 58:52
  Speaker 5: the people. Wow, there's a bunch of people coming on
• 58:55
  Speaker 5: all right, let's go to.
• 58:58
  Speaker 4: The new people at the bout Let's go.
• 59:01
  Speaker 5: To aris as. We're coming to you. I mute yourself.
• 59:03
  Speaker 5: You've been unmuted with the deal. Oh oh wait, there
• 59:12
  Speaker 5: you go, George. You there, he's not there.
• 59:19
  Speaker 8: Yeah, I'm mute yet.
• 59:22
  Speaker 5: Can you hear me you? Oh?
• 59:25
  Speaker 10: I'm doing fine yourself. I wanted to ask herman, Uh,
• 59:30
  Speaker 10: you said that the Yahoo and the Gmail is not
• 59:33
  Speaker 10: a good email for business funding.
• 59:37
  Speaker 7: Absolutely not. So I want everyone to start thinking like
• 59:41
  Speaker 7: how the banks do.
• 59:42
  Speaker 5: Right.
• 59:42
  Speaker 7: So Belloslan Enterprises is an entity that doesn't speak right,
• 59:47
  Speaker 7: I speak for Bellaslan Enterprises, right. So I got to
• 59:50
  Speaker 7: make sure this looks legitimate because when you go into Chase,
• 59:55
  Speaker 7: you're literally speaking to somebody. If it's miss Phillips, miss
• 59:58
  Speaker 7: Phillips has an email address, Miss Phillips, emai is Phillips
• 1:00:01
  Speaker 7: at Chase dot com. So I want to make sure my.
• 1:00:04
  Speaker 8: Business and your business looks.
• 1:00:06
  Speaker 7: Totally legitimate, and having at domain of your business looks
• 1:00:10
  Speaker 7: sexier than YadA YadA YadA at Gmail.
• 1:00:14
  Speaker 8: So bellis what looks Can you tell me what looks better?
• 1:00:16
  Speaker 7: Bellus On Enterprises at Gmail or info at bellus On
• 1:00:20
  Speaker 7: Enterprises dot com. So it's about setting yourself to look
• 1:00:24
  Speaker 7: at sexy to these banks so you can maximize your funding.
• 1:00:27
  Speaker 7: Now I'm not saying it's a deal breaker. I'm not
• 1:00:29
  Speaker 7: saying no one's gotten funded with a Gmail account, but
• 1:00:31
  Speaker 7: I'm trying to maximize how much you can get funding.
• 1:00:35
  Speaker 10: So I have everything already in place. But the Gmail
• 1:00:39
  Speaker 10: is what it is, my business name at but it
• 1:00:42
  Speaker 10: does says I think it's a Yahoo or something because
• 1:00:46
  Speaker 10: Gmail was giving me a little bit of trouble.
• 1:00:48
  Speaker 7: Right, So what I recommend, what I recommend you do
• 1:00:51
  Speaker 7: is actually I'm going to send you back to Google.
• 1:00:52
  Speaker 7: So Google has an enterprise platform because they gotten into
• 1:00:56
  Speaker 7: the enterprise platform space where you can go to G suite, s.
• 1:01:01
  Speaker 8: U I t e.
• 1:01:02
  Speaker 7: G Suite or yes that yeah, so where you can
• 1:01:05
  Speaker 7: get a real business email address and it's only six
• 1:01:08
  Speaker 7: dollars a month.
• 1:01:09
  Speaker 8: It's super cheap.
• 1:01:10
  Speaker 7: You can start it tonight and you have your your
• 1:01:12
  Speaker 7: real email address, are all.
• 1:01:14
  Speaker 8: Ready to go.
• 1:01:15
  Speaker 10: But when I when I filed for my LLC, I
• 1:01:18
  Speaker 10: put the other email on.
• 1:01:20
  Speaker 7: Listen, let me explain this to you. Right, your LLC
• 1:01:23
  Speaker 7: is considered a person. It's an entity, right, just like
• 1:01:26
  Speaker 7: you're considered a person. Guess what you can change. I
• 1:01:28
  Speaker 7: can change my name from if I want to. I
• 1:01:30
  Speaker 7: can change my address, I can change my phone number,
• 1:01:33
  Speaker 7: and I can change my email too.
• 1:01:34
  Speaker 8: All you have to do is contact the.
• 1:01:36
  Speaker 7: Secretary of State and update whatever information you need to update.
• 1:01:40
  Speaker 7: Google is not called Google anymore. They're called Alphabet. They
• 1:01:42
  Speaker 7: change their name. But all they have to do is
• 1:01:44
  Speaker 7: let the Secretary of State know. Hey, we're not called
• 1:01:47
  Speaker 7: Google anymore, We're called Alphabet. We move to this address,
• 1:01:50
  Speaker 7: we have this new email address. Here's our new information,
• 1:01:52
  Speaker 7: and your LLC will be updated with that information with
• 1:01:55
  Speaker 7: the Secretary of State.
• 1:01:56
  Speaker 8: So you're straight, it's not complex.
• 1:01:59
  Speaker 2: Oh, thank youpreciate your help.
• 1:02:00
  Speaker 8: Absolutely, Thank you so much for joining us tonight.
• 1:02:02
  Speaker 5: Thank you have a good happy holidays. Do you and
• 1:02:05
  Speaker 5: a fat.
• 1:02:08
  Speaker 2: Uh?
• 1:02:09
  Speaker 5: Tanya were coming to you? Tanya Simpson, what's going on?
• 1:02:11
  Speaker 5: I mute yourself? You've been unmuted? How you doing uh today?
• 1:02:16
  Speaker 11: How you doing?
• 1:02:19
  Speaker 2: No problem?
• 1:02:20
  Speaker 7: This is definitely some diamond information.
• 1:02:21
  Speaker 6: So I kind of want.
• 1:02:22
  Speaker 12: To ask the same question or some of the questions.
• 1:02:26
  Speaker 12: My website is a dot us.
• 1:02:27
  Speaker 13: Do that have a bad impact on my business?
• 1:02:30
  Speaker 6: Because it's at us and not of dot com.
• 1:02:33
  Speaker 8: No, no, no, that's that's totally jitlemen.
• 1:02:35
  Speaker 7: As long as it's your business domain name dot us,
• 1:02:38
  Speaker 7: dot net, dot com, dot org, as long as it's
• 1:02:41
  Speaker 7: professional in that case, you're going to be.
• 1:02:43
  Speaker 8: In good shape.
• 1:02:44
  Speaker 6: Yes, okay, thank.
• 1:02:45
  Speaker 5: You, no worry, Thank you for Simpsons, Thank you to
• 1:02:49
  Speaker 5: you having happy holidays for you and the ah, let's
• 1:02:52
  Speaker 5: go down here, can't we're coming to you. Can't. I'm
• 1:02:56
  Speaker 5: mute yourself, you've been unmuted. What's going on.
• 1:03:00
  Speaker 12: Going on?
• 1:03:01
  Speaker 8: Man, mister Hammond? How you feeling tonight?
• 1:03:04
  Speaker 9: Good?
• 1:03:04
  Speaker 11: Bro?
• 1:03:05
  Speaker 12: I just wanted to know I've been hearing about the
• 1:03:08
  Speaker 12: shelf corporations. I don't know if they really work the
• 1:03:11
  Speaker 12: max because you know, you got to have a four
• 1:03:12
  Speaker 12: years to get funded, right, So I wanted to know,
• 1:03:16
  Speaker 12: do we really need to have to do the Jeff
• 1:03:19
  Speaker 12: corporation work for that matter?
• 1:03:22
  Speaker 7: That makes so Here's why shelf corporations even exist. Shelf
• 1:03:27
  Speaker 7: corporations exist because ninety percent of banks, before they you
• 1:03:31
  Speaker 7: can you are offered lines of credit. Right, your business
• 1:03:35
  Speaker 7: has to be two years or older. If it's not
• 1:03:37
  Speaker 7: two years of older, you're most likely going to be
• 1:03:39
  Speaker 7: eligible for a business credit card. Which is a great start.
• 1:03:42
  Speaker 7: So shelf Course where existed because it's like, hey, if
• 1:03:44
  Speaker 7: I want to jump to the line and I want
• 1:03:46
  Speaker 7: to get lines of credit in addition to credit cards,
• 1:03:48
  Speaker 7: let me purchase the shelf courp.
• 1:03:50
  Speaker 8: There's nothing wrong with the shelf courp.
• 1:03:52
  Speaker 7: We recommend you get them if you have good credit,
• 1:03:55
  Speaker 7: because then you could combine it with your good personal
• 1:03:58
  Speaker 7: credit and then you can get.
• 1:03:59
  Speaker 8: Credit cards and lines of credit.
• 1:04:01
  Speaker 7: I want to be careful with people getting scammed out
• 1:04:03
  Speaker 7: there when people say, oh, you get this five year
• 1:04:06
  Speaker 7: old shelf Corp. It guarantees you one hundred hundred and
• 1:04:08
  Speaker 7: twenty five thousand dollars two hundred and fifty thousand dollars.
• 1:04:10
  Speaker 8: No, that's not the case.
• 1:04:11
  Speaker 7: If the shelf court isn't built up, if it doesn't
• 1:04:13
  Speaker 7: have trade lines on it already, that's definitely not the case.
• 1:04:17
  Speaker 7: So you definitely want to be careful with that. So
• 1:04:19
  Speaker 7: like Bellos on the LLC, right, my business. Right, it's
• 1:04:21
  Speaker 7: like the LLC is like seven years old. I can
• 1:04:23
  Speaker 7: sell it to you, right, mister Hammond, And because you
• 1:04:26
  Speaker 7: got a seven hundred plus credit score, you can go
• 1:04:28
  Speaker 7: out and you can get fifty to two hundred thousand
• 1:04:29
  Speaker 7: dollars because you got good credit combined with the shelf court.
• 1:04:32
  Speaker 7: But just be careful when people are saying, hey, buy
• 1:04:35
  Speaker 7: the shelf cop for ten thousand dollars and you'll guarantee
• 1:04:37
  Speaker 7: to get to fifty. That's definitely not the case. But
• 1:04:40
  Speaker 7: you definitely want to be careful with that. But it's
• 1:04:42
  Speaker 7: but the purpose of it is to get higher lines
• 1:04:44
  Speaker 7: of credit because the company is older.
• 1:04:49
  Speaker 8: Appreciate it, bro, no problem, great question, Thank you for that.
• 1:04:53
  Speaker 14: Appreciate what you gain. Let's go to let's see ty Wron.
• 1:05:06
  Speaker 5: We can come to you. Tyrone. You've been unmuted. Mute yourself.
• 1:05:11
  Speaker 5: What's going on? Brother?
• 1:05:17
  Speaker 8: I talked to us all.
• 1:05:18
  Speaker 4: Right real quick.
• 1:05:19
  Speaker 15: I got two questions. Thank y'all for First, thank y'all
• 1:05:21
  Speaker 15: always absolutely so. The questions is that's her one of
• 1:05:26
  Speaker 15: my clients today. We were doing some things that we
• 1:05:27
  Speaker 15: were talking about business funding, right, and we were looking
• 1:05:30
  Speaker 15: at her. We were trying to find her paydex score
• 1:05:32
  Speaker 15: and they couldn't pull up her experienced business Equifax business
• 1:05:35
  Speaker 15: and she was like, but I have a business credit card.
• 1:05:37
  Speaker 15: And I was like, oh, but you didn't do those
• 1:05:39
  Speaker 15: trade lines. I told you, you know, She was like, no,
• 1:05:41
  Speaker 15: I never did those. So do you have to do
• 1:05:44
  Speaker 15: the vendor tier one, two, three before you.
• 1:05:46
  Speaker 6: Do the trade line for business funding or not?
• 1:05:49
  Speaker 15: That's the first question and the second question is real
• 1:05:51
  Speaker 15: quick afterwards.
• 1:05:52
  Speaker 7: But that's all right, So let's attack that first so
• 1:05:56
  Speaker 7: unpopular belief, right, ninety five percent of business credit cards
• 1:06:00
  Speaker 7: don't report anywhere right. On the personal side, you could
• 1:06:04
  Speaker 7: buy a stick of gum. It's gonna be on your
• 1:06:06
  Speaker 7: credit report in thirty days. American Express, Chase, Well Spargo,
• 1:06:10
  Speaker 7: they're not reporting anywhere right, so they're not building up
• 1:06:14
  Speaker 7: your business's.
• 1:06:14
  Speaker 8: Credit, your core.
• 1:06:16
  Speaker 5: This episode is brought to you by P and C Bank.
• 1:06:19
  Speaker 5: A lot of people think podcasts about work are boring,
• 1:06:22
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  Speaker 1: An illegal alien from Guatemala charged with raping a child
• 1:08:10
  Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador
• 1:08:14
  Speaker 1: accused of murdering a Texas man of Venezuelan charged with
• 1:08:19
  Speaker 1: filming and selling child pornography in Michigan. These are just
• 1:08:23
  Speaker 1: some of the heinous migrant criminals caught because of President
• 1:08:26
  Speaker 1: Donald J. Trump's leadership. I'm Christy Noman, the United States
• 1:08:30
  Speaker 1: Secretary of Homeland Security. Under President Trump, attempted illegal border
• 1:08:35
  Speaker 1: crossings are at the lowest levels ever recorded, and over
• 1:08:38
  Speaker 1: one hundred thousand illegal aliens have been arrested. If you
• 1:08:42
  Speaker 1: are here illegally, your next you will be fined nearly
• 1:08:46
  Speaker 1: one thousand dollars a day, imprisoned, and deported. You will
• 1:08:50
  Speaker 1: never return. But if you register using our CBP home
• 1:08:53
  Speaker 1: app and leave now, you could be allowed to return legally.
• 1:08:57
  Speaker 1: Do what's right. Leave now. Under President Trump America's laws,
• 1:09:02
  Speaker 1: border and families will be protected.
• 1:09:05
  Speaker 8: Sponsored by the United States Department of Homeland Security or
• 1:09:07
  Speaker 8: credit whatsoever.
• 1:09:08
  Speaker 7: A couple of credit cards that do divvy DVD Y
• 1:09:11
  Speaker 7: capital on tap. Those are great corporate credit cards. They
• 1:09:15
  Speaker 7: don't care what your credit score is, right, anybody could
• 1:09:17
  Speaker 7: get them. If you have a business checking account three
• 1:09:19
  Speaker 7: months old, you got a couple of dollars going in there,
• 1:09:21
  Speaker 7: they'll see what they can do to get you some funded.
• 1:09:23
  Speaker 7: But they actually report to your business credit profile and
• 1:09:27
  Speaker 7: that helps build up your score.
• 1:09:29
  Speaker 8: Now, toy, you did give her.
• 1:09:30
  Speaker 7: Some great advice to start building her corporate credit right
• 1:09:34
  Speaker 7: by getting some Tier one vendors on her business credit profile,
• 1:09:40
  Speaker 7: and that's great. Once you built it up to tier four,
• 1:09:43
  Speaker 7: that's when you're able to go and get corporate credit,
• 1:09:46
  Speaker 7: no personal guaranteed, no matter what. Now, if you're trying
• 1:09:49
  Speaker 7: to get funded and she's a startup company, the tier
• 1:09:52
  Speaker 7: ones are not going to be enough for her to
• 1:09:55
  Speaker 7: just get corporate credit in general. So you can suggest
• 1:09:58
  Speaker 7: to her divvy work a credit card capital on tap.
• 1:10:02
  Speaker 7: But in the meantime, she'll definitely need to get her
• 1:10:05
  Speaker 7: credit up so she can PG it personally.
• 1:10:07
  Speaker 15: Okay, oh yeah, and we already worked on that and
• 1:10:09
  Speaker 15: did that. You know I'm tapping. I've been tapped in
• 1:10:11
  Speaker 15: with y'all, so you know, like we on that. So
• 1:10:14
  Speaker 15: thank you so much. And the second quick question is
• 1:10:16
  Speaker 15: this in terms of foreign entities and tax havens. If
• 1:10:20
  Speaker 15: I want to become or use my business as a
• 1:10:22
  Speaker 15: foreign entity in a state that's a tax saven, maybe
• 1:10:25
  Speaker 15: Delaware or somewhere like that, how does that work?
• 1:10:28
  Speaker 3: You know?
• 1:10:29
  Speaker 15: Do I just file and then I can just start
• 1:10:31
  Speaker 15: assuming business or doing business there and then I'm good
• 1:10:34
  Speaker 15: and I'm saving?
• 1:10:35
  Speaker 6: Or how does that work if you don't lie?
• 1:10:37
  Speaker 7: So I am not a tax professional, so I gotta
• 1:10:40
  Speaker 7: be careful how I answer these questions. Definitely tap into
• 1:10:43
  Speaker 7: your tax professional who would answer that better for you.
• 1:10:45
  Speaker 7: When I speak of foreign entities, I used to pick us.
• 1:10:48
  Speaker 7: I'm about to do business in a state like I'm in.
• 1:10:51
  Speaker 7: I'm in Atlanta all the time, right, So I got
• 1:10:53
  Speaker 7: a foreign entity down there, and I know they got
• 1:10:55
  Speaker 7: great lenders down there that I like to do business with.
• 1:10:58
  Speaker 7: And the credit unions first, they won't do business with
• 1:11:00
  Speaker 7: me because I'm based in PA. So I got the
• 1:11:02
  Speaker 7: foreign entity in the state of Georgia, so I'm allowed
• 1:11:04
  Speaker 7: to open up business checking accounts there and get the funding.
• 1:11:07
  Speaker 7: When it comes to the tax questions or tax side
• 1:11:10
  Speaker 7: of it. When it comes to Delaware, Wyoming, I'm almost
• 1:11:13
  Speaker 7: certain that there are benefits for running your business there,
• 1:11:16
  Speaker 7: but definitely tapping with your tax professional who can give
• 1:11:18
  Speaker 7: you the best advice on that.
• 1:11:20
  Speaker 5: Absolutely.
• 1:11:21
  Speaker 6: Thanks again, Boss, I appreciate you.
• 1:11:23
  Speaker 5: I appreciate you.
• 1:11:23
  Speaker 3: Tyron, Yes, sers Key, I mean more. We want to
• 1:11:29
  Speaker 3: do it before we bring MG on.
• 1:11:31
  Speaker 5: The hands keep going up, going on. Let's let's take uh,
• 1:11:35
  Speaker 5: let's take like maybe you wanted to Sean Sean Barley
• 1:11:39
  Speaker 5: were coming to you. Man, I'm mute yourself. You've been unmuted.
• 1:11:42
  Speaker 5: What's going on, Sean?
• 1:11:48
  Speaker 16: I'll do.
• 1:11:50
  Speaker 5: No fridge break showing no fridge break. We appreciate your
• 1:11:53
  Speaker 5: attendance without no fridge breaks. So we're gonna go to
• 1:11:56
  Speaker 5: Anthony Anthony Robinson. We're coming to you. You yourself, you've
• 1:12:00
  Speaker 5: been unmuted. What else fellas whatever?
• 1:12:04
  Speaker 8: Mister Robinson, how you feeling the night?
• 1:12:07
  Speaker 11: Being good? Being good?
• 1:12:08
  Speaker 7: Good?
• 1:12:10
  Speaker 11: So what about if you're blocked from uh getting bank
• 1:12:15
  Speaker 11: accounts on check systems and early one, how can I
• 1:12:23
  Speaker 11: go about getting around it?
• 1:12:24
  Speaker 7: So that's so it's hard to get around that. You
• 1:12:27
  Speaker 7: have to attack it. So you're going to have to first.
• 1:12:32
  Speaker 7: It's like it's almost like credit repair, right, it's basically
• 1:12:35
  Speaker 7: our credit pair. So you're going to have to attack
• 1:12:38
  Speaker 7: check systems, You're gonna have to write a letter to them.
• 1:12:40
  Speaker 8: You're going to have to actually write.
• 1:12:41
  Speaker 7: Letters to Lexus Nexus so you can get those check
• 1:12:47
  Speaker 7: systems from from keeping you from open up bank accounts.
• 1:12:50
  Speaker 7: So usually it's because you have a bounce check in
• 1:12:52
  Speaker 7: the past. So you have to remedy that situation. Whether hey,
• 1:12:55
  Speaker 7: you owld them three hundred dollars, hundred dollars, you go
• 1:12:56
  Speaker 7: to Chase hair Chase, here's your five hundred dollars, can
• 1:12:59
  Speaker 7: you please remove me from check system If they verify
• 1:13:02
  Speaker 7: that information, they usually send you a letter.
• 1:13:04
  Speaker 8: You send that over to Lexus and Nexus.
• 1:13:06
  Speaker 7: You send that over to the people that are blocking
• 1:13:08
  Speaker 7: you from check systems, and that's your remedy the situation.
• 1:13:11
  Speaker 7: I don't want to give you no quick cats to
• 1:13:12
  Speaker 7: do what I'm going to show you the right way
• 1:13:13
  Speaker 7: to do it, because if there's a if there's a
• 1:13:16
  Speaker 7: hat that somebody's giving you about that, then they might
• 1:13:18
  Speaker 7: work at one bank but not all.
• 1:13:20
  Speaker 8: So you want to make.
• 1:13:21
  Speaker 7: Sure you're tapping into Lexus Nexus first to get the
• 1:13:24
  Speaker 7: check systems removed. Write them the letters, you can even
• 1:13:27
  Speaker 7: get them on the phone, and then put yourself in
• 1:13:29
  Speaker 7: position so you're going to open up bank accounts right now?
• 1:13:32
  Speaker 11: Oh okay, cool, thank you, Thank you for the appreciation.
• 1:13:36
  Speaker 5: Absolutely, bro, whole lot of game, A whole lot of game.
• 1:13:41
  Speaker 5: I'm trying, Bro, I'm trying appreciate you. Anthony. Oh yeah,
• 1:13:45
  Speaker 5: for sure.
• 1:13:47
  Speaker 4: All right, you do one more?
• 1:13:55
  Speaker 8: I got one more, I got one more.
• 1:13:57
  Speaker 5: Let's do it. We're coming to you. Let's do this.
• 1:13:59
  Speaker 5: Leslie coming to you. I um mute yourself. You've been unmuted.
• 1:14:02
  Speaker 5: How you doing, Leslie?
• 1:14:07
  Speaker 8: Come on, Leslie, you don't break our hearts.
• 1:14:08
  Speaker 5: You're there, Mike is as you're ready to go.
• 1:14:15
  Speaker 4: Thanks.
• 1:14:15
  Speaker 5: Oh damn, Leslie, Leslie. It don't mean we don't love you, don't.
• 1:14:19
  Speaker 5: It really doesn't. It really doesn't mean we don't love it.
• 1:14:22
  Speaker 5: We love you even more for actually raising your hand
• 1:14:24
  Speaker 5: and having encourage to answer this question.
• 1:14:26
  Speaker 17: But we'll get you on the next one. Uh, it's swelling.
• 1:14:35
  Speaker 17: See swelling can come through for swelling. Roberts, what's going on?
• 1:14:38
  Speaker 17: I mut yourself, you've been unmuted.
• 1:14:41
  Speaker 18: Yes, how's everybody doing?
• 1:14:42
  Speaker 8: Let's get it, mister Roberts. How you feeling doing well?
• 1:14:45
  Speaker 18: Very familiar with both platforms. I'm definitely following both of
• 1:14:49
  Speaker 18: you guys man, love the platform, love everything, just really quick.
• 1:14:53
  Speaker 18: I just had a question about I know you talked
• 1:14:57
  Speaker 18: a lot about funding and position and your your business.
• 1:15:00
  Speaker 18: I know somebody taught a class about is the next
• 1:15:03
  Speaker 18: level to get into to trust some things like that
• 1:15:08
  Speaker 18: after you've established everything.
• 1:15:12
  Speaker 7: So you know, with us, as we gain our people,
• 1:15:15
  Speaker 7: as we gain information, then we added to the repertoire.
• 1:15:20
  Speaker 7: Like I didn't know about trust when I first started
• 1:15:22
  Speaker 7: my LLC. I didn't know about trust when I was
• 1:15:24
  Speaker 7: building business credit. I didn't know about trust when I
• 1:15:27
  Speaker 7: was building corporate credit. But as you get the information, yes,
• 1:15:31
  Speaker 7: you can put it into your your folder. So I
• 1:15:34
  Speaker 7: gotta trust later in life. Under my trust is my
• 1:15:37
  Speaker 7: holding company. I set up my holding company, and then
• 1:15:40
  Speaker 7: my holding company it has a bunch of all my
• 1:15:44
  Speaker 7: different LLCs, Bellosona Enterprises, Olivia marun Ning Prizes, and all
• 1:15:47
  Speaker 7: the different businesses that I do. So it's not too
• 1:15:50
  Speaker 7: late to go back and structure it correctly, to protect yourself,
• 1:15:53
  Speaker 7: to protect your assets, and to protect your future generation
• 1:15:57
  Speaker 7: from what you have built here right now. Because I
• 1:15:59
  Speaker 7: tell people all the time that I'm planning seeds for
• 1:16:02
  Speaker 7: fruit I'll never see, so I want to make sure
• 1:16:04
  Speaker 7: that my children and my grandchildren have these assets that
• 1:16:09
  Speaker 7: have been protected because I set up a trust, a
• 1:16:11
  Speaker 7: holding company and the different businesses that are under them.
• 1:16:15
  Speaker 4: Perfect, Okay, gotcha.
• 1:16:16
  Speaker 8: Thank you so much, absolutely, Bro.
• 1:16:19
  Speaker 5: I appreciate you.
• 1:16:20
  Speaker 4: I it's been a pleasure.
• 1:16:22
  Speaker 8: I appreciate you, gentlemen, thank you.
• 1:16:25
  Speaker 3: Thank you, and I know that you'll be, you know,
• 1:16:28
  Speaker 3: a big part of your leisure university as well moving forward. Yes,
• 1:16:32
  Speaker 3: contributor and uh yeah, a great resource to the community.
• 1:16:37
  Speaker 4: So thank you.
• 1:16:38
  Speaker 7: In advanced I look, I look forward to being a
• 1:16:40
  Speaker 7: service and I look forward to seeing you guys in
• 1:16:42
  Speaker 7: New York at the WHO Center.
• 1:16:43
  Speaker 8: I'm looking forward to that this weekend. It's going to
• 1:16:45
  Speaker 8: be dope.
• 1:16:46
  Speaker 4: Oh yeah.
• 1:16:47
  Speaker 3: If you don't have your tickets to Magine Square Guard
• 1:16:49
  Speaker 3: and you playing yourself many, it's gonna be a vibe man.
• 1:16:55
  Speaker 3: Jada Kiss, Floyd Money, Mayweather, Don Peebles, uh I and Dunlap, myself, Troy.
• 1:17:03
  Speaker 3: It's gonna be so many people there, man, it's gonna
• 1:17:05
  Speaker 3: be an amazing experience and it's extremely dope to do it.
• 1:17:08
  Speaker 8: Beautiful Manhattan. I look forward to it.
• 1:17:11
  Speaker 3: It's gonna be it's gonna be a motion picture, motion
• 1:17:13
  Speaker 3: picture event. Brother, Yeah, yeah, yeah, but but thank you brother.
• 1:17:17
  Speaker 3: I appreciate you all right, man, love his love, appreciate you.
• 1:17:21
  Speaker 7: Love you guys. Have a blessed holiday season. I see
• 1:17:23
  Speaker 7: all the speak in peace.
• 1:17:24
  Speaker 5: Likewise, likewise, hit the like button.
• 1:17:28
  Speaker 3: Twenty one hundred people on the YouTube. We are at
• 1:17:33
  Speaker 3: the final stretch of this situation. We're gonna talk about
• 1:17:36
  Speaker 3: real estate. Gave you guys a lot of information went
• 1:17:41
  Speaker 3: from oh and Herman also gave us his his business
• 1:17:45
  Speaker 3: credit course. He provided that in Earner Leisure University as
• 1:17:49
  Speaker 3: well Eyo University. Herman's business credit course will be in
• 1:17:56
  Speaker 3: the curriculum. So we want to thank Herman for that.
• 1:18:00
  Speaker 3: I'm saying, like all these different courses are going to
• 1:18:02
  Speaker 3: be under one umbrella. So if you're in eyou you
• 1:18:06
  Speaker 3: get access to Dan's course, you get access to Herman's course,
• 1:18:10
  Speaker 3: and you get access to MG the mortgage Guys course
• 1:18:14
  Speaker 3: is home by his Blueprint Volume one and volume two.
• 1:18:19
  Speaker 3: You get all of that as part of one package.
• 1:18:23
  Speaker 3: Extreamly impressive situation. Matt, how are you? How are you? Brother?
• 1:18:28
  Speaker 2: My brothers. Welcome back to America.
• 1:18:32
  Speaker 19: Welcome back, Welcome back, Welcome back, welcome back.
• 1:18:37
  Speaker 5: Have you seen the past twenty four hours for s MG.
• 1:18:40
  Speaker 19: I've been paying attention and I have to say, I
• 1:18:43
  Speaker 19: don't know how you mother fis do it. You guys
• 1:18:47
  Speaker 19: are savagest, Like, first of all, hold on, we got
• 1:18:52
  Speaker 19: to give y'all some flowers. First of all, because there's
• 1:18:55
  Speaker 19: no reason in God's green earth why you should be
• 1:18:57
  Speaker 19: doing open roment right now, especially after a fifteen hour flight,
• 1:19:01
  Speaker 19: and then you had to go to chill with math
• 1:19:04
  Speaker 19: Hoff and the guys over there, and then you still
• 1:19:06
  Speaker 19: had meetings and Zoom calls the merger. You know, market
• 1:19:11
  Speaker 19: mondays you've missed something. It's called another big interview.
• 1:19:16
  Speaker 2: Another big interview.
• 1:19:17
  Speaker 19: Oh my god, I'll text your pitulator, please text me
• 1:19:21
  Speaker 19: the pitch.
• 1:19:21
  Speaker 5: See.
• 1:19:22
  Speaker 19: I've been so busy. Shout out to Tuks. We've been
• 1:19:24
  Speaker 19: in the studio, we've been in the lab just cooking up.
• 1:19:27
  Speaker 19: Because work ethic don't stop over here at eyl University,
• 1:19:31
  Speaker 19: you know, just because the everybody has to work. Everybody
• 1:19:36
  Speaker 19: has to hold their position. There's no weak links in
• 1:19:38
  Speaker 19: our crews. So we've all been working. But I'm super
• 1:19:42
  Speaker 19: impressed with you guys. As always, I'm proud of both
• 1:19:44
  Speaker 19: of you, man, and I can't wait to see you
• 1:19:47
  Speaker 19: guys Friday. When you guys get honored is well deserved.
• 1:19:49
  Speaker 19: So you don't even talk about how y'all getting your
• 1:19:52
  Speaker 19: flowers and your hometown, the town Greenberg.
• 1:19:56
  Speaker 2: Is honoring you guys. So I'm blowing this up. I
• 1:19:58
  Speaker 2: don't care, right.
• 1:20:00
  Speaker 19: Guys getting honored and you deserve your flowers because I've
• 1:20:04
  Speaker 19: been around for this from day one and just to
• 1:20:06
  Speaker 19: see the growth from two three iPhones on crooked stands
• 1:20:11
  Speaker 19: and everything to Ward's blown up to right now. Man,
• 1:20:14
  Speaker 19: I'm proud of you brothers, man. So you guys deserve
• 1:20:16
  Speaker 19: your flowers. And everybody needs to throw some some gems
• 1:20:19
  Speaker 19: in the comments for my brothers because they're out.
• 1:20:21
  Speaker 2: Here working hard.
• 1:20:22
  Speaker 8: This is not easy.
• 1:20:23
  Speaker 19: There's sacrifices when it comes to this level of success
• 1:20:28
  Speaker 19: and they're putting on for us, man, So shout out
• 1:20:31
  Speaker 19: to y'all.
• 1:20:31
  Speaker 2: Man for real.
• 1:20:34
  Speaker 19: Appreciate that, brother, Yeah, real talk, man, that's that's real talk, man.
• 1:20:38
  Speaker 2: That's from the heart.
• 1:20:38
  Speaker 4: Man.
• 1:20:39
  Speaker 2: Y y'all dudes are savages.
• 1:20:40
  Speaker 10: Man.
• 1:20:41
  Speaker 5: I love it.
• 1:20:41
  Speaker 19: Let's go, let's go. But y'all y'all different, man, And
• 1:20:45
  Speaker 19: for shot is the rism. He's been a riser from
• 1:20:50
  Speaker 19: day one. This dude is a nut. Let's go Yo
• 1:20:55
  Speaker 19: e y L University Times r p X, the biggest
• 1:20:59
  Speaker 19: just got bigger. I can't contain myself. I've been waiting
• 1:21:02
  Speaker 19: to talk about this for six months.
• 1:21:06
  Speaker 4: Let's go.
• 1:21:07
  Speaker 2: Let's go, man, Let's grow, Let's grow.
• 1:21:12
  Speaker 5: Let's go.
• 1:21:12
  Speaker 19: Shout out to Marcus, Shout out to her five hundred,
• 1:21:16
  Speaker 19: Shout out to the whole RPX family. Let's go, man,
• 1:21:20
  Speaker 19: Shout out to the earners. Where my earners at man,
• 1:21:22
  Speaker 19: throw that graduation hat in the comments.
• 1:21:24
  Speaker 2: Man, let's go.
• 1:21:25
  Speaker 4: Man.
• 1:21:27
  Speaker 19: I'm hi right now. That shouldn't have brought me on.
• 1:21:29
  Speaker 19: I'm too hired. I can't contain myself right now.
• 1:21:33
  Speaker 4: Oh Man, all right, we're gonna get into it.
• 1:21:35
  Speaker 3: Before we start, text the word learn to four zero
• 1:21:40
  Speaker 3: one two three eight seven four seven nine, or click
• 1:21:45
  Speaker 3: the link in the description of this video the NTI
• 1:21:48
  Speaker 3: information for updates on the release to the relaunch of
• 1:21:52
  Speaker 3: Eyo University, which will include the regional chapters, the course
• 1:21:56
  Speaker 3: nineteen courses, the live interactive classes. There's a whole vibe,
• 1:22:00
  Speaker 3: there's a whole situation. But Matt, we're gonna end it
• 1:22:05
  Speaker 3: with real estate. We talked about business branding, social media branding,
• 1:22:09
  Speaker 3: we talked about business credit. And we're gonna end this
• 1:22:12
  Speaker 3: with real estate, something that's extremely important and it's been
• 1:22:15
  Speaker 3: a hot topic.
• 1:22:17
  Speaker 4: All right, so let's start here. What is the forecast?
• 1:22:22
  Speaker 3: What is your forecast for twenty twenty three when it
• 1:22:25
  Speaker 3: comes to real estate, when it comes to interest rates,
• 1:22:29
  Speaker 3: when it comes to home affordability, all of this stuff.
• 1:22:34
  Speaker 2: All right, good question, Michad.
• 1:22:36
  Speaker 19: I would say, I'm forecasting from appreciation standpoint. I think
• 1:22:41
  Speaker 19: home values and I've said this before and I'm gonna
• 1:22:44
  Speaker 19: say it again, home values will continue to appreciate in
• 1:22:47
  Speaker 19: twenty twenty three. It will get back to modest appreciation,
• 1:22:51
  Speaker 19: normal appreciation, I should say. I think, depending on where
• 1:22:55
  Speaker 19: you are in the country, we should see home appreciation
• 1:22:59
  Speaker 19: anywhere from two to seven percent on average nationwide, just
• 1:23:04
  Speaker 19: depending on where you are. Now, I know a lot
• 1:23:06
  Speaker 19: of people see a lot of fear mongrain type of
• 1:23:08
  Speaker 19: headlines out there when you see home prices have declined
• 1:23:13
  Speaker 19: or home sales have declined in the past nine months.
• 1:23:17
  Speaker 19: I know you guys see price reductions, and I don't
• 1:23:22
  Speaker 19: you have to really read between the lines when you
• 1:23:24
  Speaker 19: when you're looking at all of that right. So right now,
• 1:23:28
  Speaker 19: year over year November of twenty twenty one compared to
• 1:23:31
  Speaker 19: November of this year, home prices have still appreciated seven
• 1:23:36
  Speaker 19: and a half percent annually. Now, you're not going to
• 1:23:39
  Speaker 19: see crazy twenty plus percent nationwide in almost every state
• 1:23:44
  Speaker 19: like you did in twenty twenty one. Twenty twenty and
• 1:23:47
  Speaker 19: twenty twenty one was just unicorn years. That's not normal, right.
• 1:23:52
  Speaker 19: Miami right now is not normal. Miami is up twenty
• 1:23:54
  Speaker 19: percent year over year. Still these that's not normal, right.
• 1:23:59
  Speaker 19: But if you look at appreciation over the past sixty
• 1:24:03
  Speaker 19: years in America, homes on average have appreciated four and
• 1:24:07
  Speaker 19: a half percent annually, and we're getting back down to
• 1:24:10
  Speaker 19: that normal rate of return on real estate, which is needed.
• 1:24:14
  Speaker 5: Right.
• 1:24:15
  Speaker 19: Affordability is going to be questioned still because of inflation.
• 1:24:20
  Speaker 19: Although inflation dropped a couple percentage points, not a couple
• 1:24:25
  Speaker 19: percentage points, but dropped a little, from like eight point
• 1:24:27
  Speaker 19: two to seven point seven on the last CPR report.
• 1:24:32
  Speaker 19: If that continues to go down, that's great news for
• 1:24:36
  Speaker 19: interest rates because interest rates tend to follow like the
• 1:24:39
  Speaker 19: inflation numbers, and also the Fed funds. If the Feds
• 1:24:44
  Speaker 19: kind of slowed down on their raises, then you'll see
• 1:24:47
  Speaker 19: interest rates start trickling back down. Now, when that CPR
• 1:24:51
  Speaker 19: data was released about two weeks ago, I believe it
• 1:24:54
  Speaker 19: was interest rates dropped from about seven and a quarter
• 1:24:58
  Speaker 19: to six and a half percent. Right now, next month
• 1:25:01
  Speaker 19: when this report comes out again, if if we start
• 1:25:04
  Speaker 19: still seeing those inflation numbers go down, you're gonna start
• 1:25:08
  Speaker 19: seeing mortgage rates kind of slowly but surely follow it.
• 1:25:12
  Speaker 19: So it's really on this inflation report that's really going
• 1:25:16
  Speaker 19: to determine where interest rates are going to go. I
• 1:25:19
  Speaker 19: told you in you know, a couple months ago that
• 1:25:21
  Speaker 19: I did foresee rates would be around seven percent by
• 1:25:25
  Speaker 19: the end of the year. The end of the year
• 1:25:27
  Speaker 19: is here where we a little bit under seven percent
• 1:25:30
  Speaker 19: right now, right, but still it's not a terrible rate.
• 1:25:35
  Speaker 19: It's higher than it was over the past two years,
• 1:25:38
  Speaker 19: but historically it's not a terrible rate. When I brought
• 1:25:41
  Speaker 19: my first property years ago, my rate was seven in
• 1:25:44
  Speaker 19: the quarter, right, So it's not a bad interest rate
• 1:25:48
  Speaker 19: per se, it's just higher. So where I see the
• 1:25:51
  Speaker 19: market going, I still continue to see it appreciate and
• 1:25:54
  Speaker 19: just at normal levels, I see that there's gonna be
• 1:25:58
  Speaker 19: less inventory or new homes hitting the market, because if
• 1:26:02
  Speaker 19: these rates stay higher, then why would home sellers want
• 1:26:06
  Speaker 19: to sell their home? Like I read something the other
• 1:26:08
  Speaker 19: day and it's said that eighty five percent of mortgages
• 1:26:13
  Speaker 19: in America have an interest rate below four percent. Right now,
• 1:26:17
  Speaker 19: there's over thirty trillion and equity still in homes, although
• 1:26:21
  Speaker 19: that's down right a.
• 1:26:23
  Speaker 2: Little bit, but it's still over thirty trillion.
• 1:26:26
  Speaker 19: So homeowners are sitting on a lot of leverage with
• 1:26:28
  Speaker 19: low interest rates and a lot of equity. So there's
• 1:26:31
  Speaker 19: really no reason for a seller if they do not
• 1:26:34
  Speaker 19: have to sell, why would they sell to put themselves
• 1:26:38
  Speaker 19: in a position to be at a higher rate at
• 1:26:41
  Speaker 19: a higher price. And if you go to rent, then
• 1:26:43
  Speaker 19: you're still paying high rental prices because although rent prices
• 1:26:48
  Speaker 19: have dropped a little bit, it's still high. It's still
• 1:26:51
  Speaker 19: over two thousand dollars on average. So you're in a
• 1:26:56
  Speaker 19: position right now. I think home buyers and investors as well.
• 1:27:00
  Speaker 19: Home buyers I speak to are in the position is
• 1:27:02
  Speaker 19: you damned if you do, you're damned if you don't. Right,
• 1:27:04
  Speaker 19: it's either you're gonna rent, all you're gonna buy. Either
• 1:27:07
  Speaker 19: all you're going to pay a higher price, and that's
• 1:27:10
  Speaker 19: why you need to focus on really more streams of
• 1:27:12
  Speaker 19: income and being able to create a better lifestyle for
• 1:27:16
  Speaker 19: yourself because you can't control these markets, you can't control inflation,
• 1:27:20
  Speaker 19: but you can control what you do on your daily basis,
• 1:27:24
  Speaker 19: and that's bringing in more money, because that's the only
• 1:27:27
  Speaker 19: way you really truly fight inflation is bringing in more
• 1:27:30
  Speaker 19: money and investing.
• 1:27:33
  Speaker 5: Yeah, So from an investment standpoint, in one of the
• 1:27:36
  Speaker 5: articles I was reading earlier today, they said that the
• 1:27:39
  Speaker 5: home purchases new home purchases from investors are down by
• 1:27:43
  Speaker 5: thirty percent as the rates rise. As we start to see,
• 1:27:45
  Speaker 5: like you said, rates hit maybe seven in a quarter,
• 1:27:48
  Speaker 5: they've climbed down I think maybe six and three quarters.
• 1:27:51
  Speaker 5: Now do you see that trend continuing as far as
• 1:27:55
  Speaker 5: from an investment standpoint when we talk about real.
• 1:27:57
  Speaker 19: Estate, absolutely, I think you're gonna have some investors that
• 1:28:00
  Speaker 19: sit on the sideline. But that's going to be an
• 1:28:02
  Speaker 19: investors who probably shouldn't have been in the business regardless.
• 1:28:05
  Speaker 2: Right, you gotta look at it.
• 1:28:06
  Speaker 19: Right, when money is cheap, everybody can do something because
• 1:28:11
  Speaker 19: the money is so cheap, and there was a lot
• 1:28:13
  Speaker 19: of money in the streets too. When you think about
• 1:28:16
  Speaker 19: PPP loans, where you think about people didn't have to
• 1:28:19
  Speaker 19: pay rent, when you think about all this stuff that
• 1:28:22
  Speaker 19: put money out there. People didn't even have to go
• 1:28:24
  Speaker 19: to work for crime out low and it still was
• 1:28:25
  Speaker 19: getting paid. So there was a lot of money that
• 1:28:28
  Speaker 19: was in the streets that enabled people to go out there.
• 1:28:31
  Speaker 2: To invest at a high level.
• 1:28:33
  Speaker 19: Now you have it where rates are hired, especially if
• 1:28:36
  Speaker 19: you're buying investment properties those rates. If the homeowner rate
• 1:28:40
  Speaker 19: for primary residence is in a six seven percent, then
• 1:28:43
  Speaker 19: you're talking about eight to eleven percent if you're looking
• 1:28:47
  Speaker 19: to buy a rental property. So that's going to hurt
• 1:28:51
  Speaker 19: cash flowing numbers dependent on where you're looking to buy.
• 1:28:55
  Speaker 19: So yeah, you're going to see a lot of investors
• 1:28:58
  Speaker 19: kind of sit on the sidelines right now. Let's really
• 1:29:00
  Speaker 19: look at what a lot of the big boys are
• 1:29:02
  Speaker 19: still doing. Look at JP Morgan Chase for example, they
• 1:29:05
  Speaker 19: just committed that they're gonna buy a billion dollars worth
• 1:29:07
  Speaker 19: of single family rentals. Like investors are gonna invest regardless
• 1:29:12
  Speaker 19: of whatever the market is. It's just depending on what
• 1:29:14
  Speaker 19: game when you're playing. So there's going to be a
• 1:29:16
  Speaker 19: lot of people that will sit on the sidelines. But
• 1:29:18
  Speaker 19: I don't want any of our people to be deterred
• 1:29:21
  Speaker 19: by the fact that you read these articles and stuff
• 1:29:24
  Speaker 19: like that, like no go out there invest because when
• 1:29:27
  Speaker 19: you see people like JP Morgan Chase, these big institutional
• 1:29:30
  Speaker 19: investors still out here getting deals done, there's no reason
• 1:29:35
  Speaker 19: why we shouldn't be out here trying to look for
• 1:29:37
  Speaker 19: our deals too. But we just got to analyze them
• 1:29:39
  Speaker 19: properly to make sure the casual cash returns are there.
• 1:29:42
  Speaker 19: And also, Troy, before you go on overshot, you have
• 1:29:46
  Speaker 19: to look at this rate.
• 1:29:47
  Speaker 2: It's temporary.
• 1:29:48
  Speaker 19: So if you get a property that's cash flow, let's
• 1:29:50
  Speaker 19: just say you're making a nine percent cash on cash
• 1:29:52
  Speaker 19: return at a ten percent interest rate, you have to
• 1:29:56
  Speaker 19: look at your pro former and see what is this
• 1:29:58
  Speaker 19: going to look like If I'm able to refinance in
• 1:30:00
  Speaker 19: two years and those rates drop down to six percent
• 1:30:04
  Speaker 19: five percent, what does my cash on cash return look
• 1:30:07
  Speaker 19: like at that moment. So it's all on how It's
• 1:30:11
  Speaker 19: all on your perspective and how you're really truly analyzing
• 1:30:14
  Speaker 19: your deal's to determine if a deal is going to
• 1:30:16
  Speaker 19: be a good one.
• 1:30:16
  Speaker 5: Or bad one. Yeah, I think that's one of those
• 1:30:18
  Speaker 5: things that people we don't look at right, Like, let's
• 1:30:21
  Speaker 5: look at the long term perspective, especially if you're in
• 1:30:23
  Speaker 5: a thirty year loan. If you get this interest right
• 1:30:25
  Speaker 5: now at ten percent or eight percent in five years,
• 1:30:28
  Speaker 5: if that goes down to five, like, you're actually gonna
• 1:30:30
  Speaker 5: be saving on that refive that that has that long
• 1:30:33
  Speaker 5: same thing when we talk about investing in the market,
• 1:30:36
  Speaker 5: it's like, look, we're not thinking about two years, three years.
• 1:30:39
  Speaker 5: You have a thirty year mortgage, Like, think about the
• 1:30:41
  Speaker 5: long term payout on this thing one hundred percent.
• 1:30:45
  Speaker 3: So let me ask you this, Okay, what advice do
• 1:30:49
  Speaker 3: you have for first time home boys in this economic
• 1:30:53
  Speaker 3: and clock environment programs tips?
• 1:30:58
  Speaker 19: So my best advice is the same thing probably been
• 1:31:00
  Speaker 19: saying from day one. Don't buy nothing you can't really afford.
• 1:31:03
  Speaker 19: Don't be house rich and cash poor. The same rules apply, right,
• 1:31:07
  Speaker 19: the math is still going to math. If you can't
• 1:31:09
  Speaker 19: afford something, don't buy it. If you're going to buy something,
• 1:31:12
  Speaker 19: make sure you have reserves because you never know what
• 1:31:15
  Speaker 19: can happen in life. So my tip is always going
• 1:31:17
  Speaker 19: to be say, don't try to go into these situations
• 1:31:21
  Speaker 19: and buying real estate, especially if your first time home
• 1:31:23
  Speaker 19: buyer and not have any money because nothing is promised.
• 1:31:29
  Speaker 19: Your job is not promised. Right, But as far as tips,
• 1:31:34
  Speaker 19: it's very simple. If you buying rental properties, do your
• 1:31:37
  Speaker 19: best to put yourself in a position where you can
• 1:31:40
  Speaker 19: have your apartments on programs. You know section eight. You
• 1:31:43
  Speaker 19: have domestic violence programs. You have all types of different
• 1:31:46
  Speaker 19: programs that are out there where the government will pay
• 1:31:50
  Speaker 19: the rent for the tenant, where that's going to be
• 1:31:53
  Speaker 19: guaranteed money. No matter if it's a recession, it's a
• 1:31:55
  Speaker 19: bull market, a bear market, the government is always going
• 1:31:58
  Speaker 19: to pay for these programs.
• 1:32:00
  Speaker 2: So you have to look at that. You have to
• 1:32:02
  Speaker 2: be creative right now.
• 1:32:04
  Speaker 19: You know, with house hacking, I think at first time
• 1:32:07
  Speaker 19: home buyer, if your goal is to become an investor,
• 1:32:09
  Speaker 19: and if your goal is to be a landlord, you
• 1:32:12
  Speaker 19: definitely have to look at house hacking. Right even if
• 1:32:15
  Speaker 19: you have to buy a single family or do a
• 1:32:18
  Speaker 19: single family home, there's ways to house hack that too.
• 1:32:21
  Speaker 19: Buy property that you can possibly add adu or since
• 1:32:24
  Speaker 19: we dwelling unit, or turn your basement into a content space.
• 1:32:28
  Speaker 19: I mean, look at look, we have a content space
• 1:32:31
  Speaker 19: right here, your headquarters is a content space, right, So
• 1:32:35
  Speaker 19: there's a many different ways that you could go out
• 1:32:37
  Speaker 19: here to bring in money to help.
• 1:32:39
  Speaker 2: Supplement your mortgage.
• 1:32:40
  Speaker 19: Payment if you are a first time home buyer, So
• 1:32:43
  Speaker 19: you just got to be creative right now, especially in
• 1:32:46
  Speaker 19: these high inflationary times. You can't just depend on one
• 1:32:49
  Speaker 19: source of income, and especially if your first time home buyer,
• 1:32:51
  Speaker 19: you got to remember that mortgage payment is due every month,
• 1:32:54
  Speaker 19: so you have to be creative on ways to get
• 1:32:56
  Speaker 19: that mortgage paid by any means necessary.
• 1:33:00
  Speaker 5: Of the most profound things you said to us over
• 1:33:02
  Speaker 5: three years ago is that equity is monopoly money, and
• 1:33:05
  Speaker 5: people kind of didn't really understand it. Can you break
• 1:33:08
  Speaker 5: it down for the new audience that that's here with
• 1:33:10
  Speaker 5: us tonight about what you mean by that.
• 1:33:13
  Speaker 19: So, equity is monopoly money, right, It's unrealized gains. It's
• 1:33:17
  Speaker 19: just like when you're looking at your your trading accounts.
• 1:33:21
  Speaker 19: You may be up, but it's unrealized. It's not really
• 1:33:25
  Speaker 19: real money until you take it out, until you sell
• 1:33:28
  Speaker 19: your trade, and then it's real money for you.
• 1:33:31
  Speaker 5: Right.
• 1:33:31
  Speaker 19: It's the same thing like equity. So if your home
• 1:33:34
  Speaker 19: appreciated two hundred thousand, three hundred thousand, that doesn't mean
• 1:33:38
  Speaker 19: that that money belongs to you. It's there, it gives
• 1:33:42
  Speaker 19: you value, it's a part of your network now. But
• 1:33:45
  Speaker 19: it's not like you can stick your debit card in
• 1:33:47
  Speaker 19: the freaking doorbell and say give me some of my
• 1:33:49
  Speaker 19: equity today, please, Right.
• 1:33:51
  Speaker 2: You still have to apply for a loan and get
• 1:33:54
  Speaker 2: approved for it.
• 1:33:55
  Speaker 5: Right.
• 1:33:56
  Speaker 19: So unless you tap into that equity via cash out
• 1:34:00
  Speaker 19: refinance or home equity line of credit, then that money
• 1:34:05
  Speaker 19: is dead money. So and if the market does crash,
• 1:34:09
  Speaker 19: let's just say God forbid, the market does crash and
• 1:34:11
  Speaker 19: you lose thirty forty percent of the equity. You know
• 1:34:14
  Speaker 19: that two point fifty now went to probably one fifty.
• 1:34:18
  Speaker 19: So what I try to tell people choice is, especially
• 1:34:21
  Speaker 19: if you have money in your primary residence. First of all,
• 1:34:24
  Speaker 19: my disclaimer as always is make sure you have a
• 1:34:28
  Speaker 19: plan of action.
• 1:34:28
  Speaker 2: Remember this is the church's money.
• 1:34:30
  Speaker 19: So if you're taking money from a cash out refinance
• 1:34:33
  Speaker 19: or a homemcking line of credit from your primary residence,
• 1:34:36
  Speaker 19: remember you have an extra bill now it's another mortgage,
• 1:34:40
  Speaker 19: so you have to have a plan of action to
• 1:34:42
  Speaker 19: repay that. So don't take it and go to Dubai
• 1:34:45
  Speaker 19: and try to go outter the top tallest building, like
• 1:34:47
  Speaker 19: Rashad was taking videos and having closing deals. Right, because
• 1:34:51
  Speaker 19: that money is not making you money being in Dubai.
• 1:34:54
  Speaker 19: Use that money to invest, use that money to start
• 1:34:58
  Speaker 19: your business something that can bring you you a r
• 1:35:01
  Speaker 19: R immediately so that way you can pay it back.
• 1:35:05
  Speaker 19: So unless you use that money, it's just monopoly money.
• 1:35:08
  Speaker 19: It sounds good to have. Hey, I got two hundred equity,
• 1:35:11
  Speaker 19: but it's not in your bank accounting.
• 1:35:14
  Speaker 4: Yeah, Bergi of Khalifa.
• 1:35:16
  Speaker 2: Yeah, it looked amazing.
• 1:35:18
  Speaker 5: Yeah, a good place to visit.
• 1:35:20
  Speaker 4: Man, one hundred and fifty fourth floors.
• 1:35:23
  Speaker 5: Up for the world.
• 1:35:24
  Speaker 2: Literally, yeah, literally top of the world. High level conversations. Yeah,
• 1:35:28
  Speaker 2: set out the nineteen keys.
• 1:35:31
  Speaker 3: Shout out tonight, shout out to nineteen keys. So let's
• 1:35:36
  Speaker 3: talk about Okay, let's talk about this refinancing. Is this
• 1:35:44
  Speaker 3: a time that people should be refinancing?
• 1:35:50
  Speaker 2: Yes and no.
• 1:35:52
  Speaker 5: No.
• 1:35:53
  Speaker 19: I would say no and yes. If you have an
• 1:35:55
  Speaker 19: interest rate and in the past two years you know,
• 1:35:59
  Speaker 19: twos threes fours.
• 1:36:02
  Speaker 2: Probably hell no.
• 1:36:04
  Speaker 19: Right, If you have equity in your home and you
• 1:36:07
  Speaker 19: want to tap into that, I would say get a
• 1:36:09
  Speaker 19: line of credit versus refinancing. If you have an investment property.
• 1:36:15
  Speaker 19: And this is for the investors. If you're in a
• 1:36:17
  Speaker 19: hard money deal and you're trying to burrow, you have
• 1:36:19
  Speaker 19: no choice but the refinance. If you're an investor and
• 1:36:22
  Speaker 19: you have a bunch of equery in your home and
• 1:36:24
  Speaker 19: you're trying to scale your portfolio, it might be it
• 1:36:28
  Speaker 19: might make sense to refinance because and pull that cash
• 1:36:31
  Speaker 19: out because you're not paying the bill, your tenants are
• 1:36:34
  Speaker 19: and as long as you're still cash flowing, then it
• 1:36:36
  Speaker 19: could make sense to you. And let me flip back
• 1:36:39
  Speaker 19: to the homeowners. The homeowners out there who might want
• 1:36:41
  Speaker 19: to refinance. If you have a lot of high interest
• 1:36:45
  Speaker 19: credit cards, you know, maybe student loans, and you know
• 1:36:49
  Speaker 19: you're suffocating yourself, don't hold on to that two three
• 1:36:53
  Speaker 19: percent rate knowing that you have one hundred thousand dollars
• 1:36:56
  Speaker 19: in credit card debt and if you got to look
• 1:36:59
  Speaker 19: at the numbers US to see if you do a
• 1:37:01
  Speaker 19: debt consolidation loan, doesn't make sense for you to refinance
• 1:37:06
  Speaker 19: to pay off all that debt and have a cheaper
• 1:37:09
  Speaker 19: payment overall. That would probably be the only way I
• 1:37:12
  Speaker 19: would probably advise a primary residence or a homeowner to refinance.
• 1:37:17
  Speaker 19: Only if they didn't have means to pay off all
• 1:37:20
  Speaker 19: that high debt. But other than that, homeowners right now,
• 1:37:24
  Speaker 19: I probably wouldn't refinance. I would do more of a
• 1:37:26
  Speaker 19: home acking lint of credit and investors. Depending on your
• 1:37:28
  Speaker 19: deal and what you got going on, it could be
• 1:37:31
  Speaker 19: advantageous for you to look into doing a refinance.
• 1:37:33
  Speaker 5: Yeah, I want to tie the whole night into it.
• 1:37:35
  Speaker 16: Right.
• 1:37:36
  Speaker 5: We started with building a brand with them, and obviously
• 1:37:40
  Speaker 5: we're ending out with real estate. But you've built a
• 1:37:42
  Speaker 5: brand in real estate, which is pretty difficult. Right when
• 1:37:46
  Speaker 5: you walk around the country, we see it. People attracted
• 1:37:49
  Speaker 5: to what you're doing. You've inspired them, You've changed their lives.
• 1:37:53
  Speaker 5: Not an easy task, and every time I look at you,
• 1:37:55
  Speaker 5: I feel like you're doing something new to try to
• 1:37:58
  Speaker 5: expand the brand. Obviously, now you're sitting in the content
• 1:38:00
  Speaker 5: study that you built. Talk about that in the real
• 1:38:04
  Speaker 5: estate field, building a brand because we see people do it. Obviously,
• 1:38:07
  Speaker 5: shout out to your partner and rant James Keanna, who's
• 1:38:10
  Speaker 5: done an amazing job with it as well. Can you
• 1:38:12
  Speaker 5: talk about the strategies that you use to build your brand?
• 1:38:15
  Speaker 19: Ah Man, that's a great question, Troy. I'm glad you
• 1:38:18
  Speaker 19: asked that one the Rizza Man, the Rizza twenty eighteen.
• 1:38:23
  Speaker 19: I say, your Riza Man, how to how you got
• 1:38:25
  Speaker 19: the shave room for financial literacy and your comments? And
• 1:38:27
  Speaker 19: you got four thousand comments and you got nine thousand followers.
• 1:38:31
  Speaker 19: And he said, Bro, you got to deepen your relationship
• 1:38:33
  Speaker 19: with your audience. All the stuff that you talk about
• 1:38:37
  Speaker 19: to your clients, you got to start bringing it to
• 1:38:39
  Speaker 19: your social media. And I was like, what are you
• 1:38:41
  Speaker 19: talking about? He said, well, are you talking to me?
• 1:38:43
  Speaker 19: I'm a financial advisor. Why don't you start talking about
• 1:38:46
  Speaker 19: financial planning because it goes hand in hand with home ownership.
• 1:38:49
  Speaker 19: And that was the first time that I really understood
• 1:38:52
  Speaker 19: social media thanks to your bestie Rashod and from that,
• 1:39:01
  Speaker 19: from that moment, now I'm keeping in the buck. You
• 1:39:03
  Speaker 19: taught how the brand built, right, So it was the
• 1:39:06
  Speaker 19: power collaboration. It's something I've been doing in my entire career.
• 1:39:09
  Speaker 19: So anybody who's a transaction professional. Our businesses were not built.
• 1:39:14
  Speaker 19: We were not taught social media when we came into
• 1:39:17
  Speaker 19: this game, right, especially me. I've been doing this for
• 1:39:20
  Speaker 19: almost twenty years. And the new folks who are coming
• 1:39:21
  Speaker 19: and they're not being taught social media. We're taught how
• 1:39:24
  Speaker 19: to develop relationships, especially from a loan office a perspective
• 1:39:28
  Speaker 19: with realtors, financial planners, CPAs insurance agents, and we build
• 1:39:33
  Speaker 19: our book of business and we work our book of business.
• 1:39:36
  Speaker 5: Right.
• 1:39:37
  Speaker 19: My business model wasn't built for social media, but when
• 1:39:41
  Speaker 19: I started bringing those conversations to my page and tying
• 1:39:44
  Speaker 19: that in to home ownership, it kind of opened up
• 1:39:48
  Speaker 19: the eyes. I was probably one of the first people
• 1:39:50
  Speaker 19: in the mortgage space that was doing this at a
• 1:39:54
  Speaker 19: small level at that time and which has continuously graduated
• 1:39:58
  Speaker 19: into something big. So power collaboration will be the first
• 1:40:01
  Speaker 19: step that I would tell anybody in my profession that
• 1:40:04
  Speaker 19: they got to do. Number two always add value to people.
• 1:40:08
  Speaker 19: The reason why I'm even probably a partner in eyl
• 1:40:11
  Speaker 19: University in vestments and amongst other things that we do together,
• 1:40:14
  Speaker 19: and why I'm probably here today is because I did
• 1:40:17
  Speaker 19: my best to add value to Rashad's business without even
• 1:40:21
  Speaker 19: asking him for anything. I did things without asking for nothing, right.
• 1:40:25
  Speaker 19: It was just I generally want to see my people win.
• 1:40:28
  Speaker 19: He was a financial planner when we met, and I
• 1:40:31
  Speaker 19: wanted to send him business because I wanted my people
• 1:40:34
  Speaker 19: to work with a black Man, and he seemed super.
• 1:40:37
  Speaker 2: Knowledgeable to me.
• 1:40:38
  Speaker 19: Right, So add value to people and don't have no
• 1:40:41
  Speaker 19: expectations because if you add enough value to people, it
• 1:40:45
  Speaker 19: would come back to you tenfold. See the problem in
• 1:40:47
  Speaker 19: our business, especially from transaction professionals, we always got a
• 1:40:50
  Speaker 19: freaking handout. We always want something to return, and you
• 1:40:54
  Speaker 19: don't need to do that. Just add value and your
• 1:40:57
  Speaker 19: blessings will come to you. So that would be number
• 1:40:59
  Speaker 19: two things and number three consistency. You have to be
• 1:41:03
  Speaker 19: consistent if you're gonna hit social media. Now one thing
• 1:41:08
  Speaker 19: that I even had to learn. This is very difficult
• 1:41:10
  Speaker 19: to do. This is not easy. It's none to forty
• 1:41:12
  Speaker 19: at night. I've been filming all day, I've been working
• 1:41:15
  Speaker 19: on loans, I've been talking to people all day long.
• 1:41:18
  Speaker 19: But I still find the time every single day to
• 1:41:21
  Speaker 19: do content, to put out content because I understand if
• 1:41:25
  Speaker 19: I do not let my voice be heard, then the
• 1:41:28
  Speaker 19: only thing that people will hear is the news and
• 1:41:31
  Speaker 19: what their feelingmongering is. And I have a voice and
• 1:41:33
  Speaker 19: I'm going to use it to my advantage. So I'm
• 1:41:36
  Speaker 19: very consistent on what I do and I invest into
• 1:41:39
  Speaker 19: my business like Tuks is here where we're right now.
• 1:41:42
  Speaker 19: He's a part of the team. We built out a
• 1:41:44
  Speaker 19: content studio. We invest tens of thousands of dollars in equipment,
• 1:41:48
  Speaker 19: We travel everywhere to get more content.
• 1:41:51
  Speaker 5: Right.
• 1:41:52
  Speaker 2: We're very consistent about what we're doing, and we don't
• 1:41:55
  Speaker 2: take no days off. This is the way.
• 1:41:58
  Speaker 19: This has been the business model of EYL and I'm
• 1:42:02
  Speaker 19: just following suit with the plan of action is Yo,
• 1:42:06
  Speaker 19: we gotta outwork everybody. No one can put out more
• 1:42:09
  Speaker 19: content than us, no one can give as much free
• 1:42:12
  Speaker 19: game as us.
• 1:42:13
  Speaker 2: We have to be the authority.
• 1:42:14
  Speaker 19: Rash called me the authority in real estate two years ago,
• 1:42:17
  Speaker 19: and I looked at it and I called him.
• 1:42:19
  Speaker 2: I said, Yo, why are you calling me that?
• 1:42:20
  Speaker 5: Bro?
• 1:42:21
  Speaker 19: Like I really didn't understand where he was gone with this.
• 1:42:24
  Speaker 19: But he's like, no, you're the authority, bro, And I'm
• 1:42:28
  Speaker 19: like this, it's crazy. Right now, fast forward, I am
• 1:42:33
  Speaker 19: the authority in real estate, period point blank.
• 1:42:36
  Speaker 2: And it's nothing you could tell me otherwise.
• 1:42:38
  Speaker 19: Because I believe it now and because I'm consistent and
• 1:42:41
  Speaker 19: no one's gonna outwork me. So all my real estate professionals,
• 1:42:45
  Speaker 19: you have to be hungry, you gotta really want this,
• 1:42:48
  Speaker 19: and you you gotta go out here and just do
• 1:42:52
  Speaker 19: massive in person imperfect actions every single day to achieve
• 1:42:56
  Speaker 19: your goals.
• 1:42:57
  Speaker 5: Massive perfect actions.
• 1:42:59
  Speaker 3: Shot to my let let's get Let's get some questions
• 1:43:02
  Speaker 3: if we can before before we round, people will.
• 1:43:04
  Speaker 19: Have drop some gems in the common people. Let's go, man,
• 1:43:08
  Speaker 19: this is E Y L power by Recession proof. Drop
• 1:43:11
  Speaker 19: some gems in the comments. Man, y'all came here to learn.
• 1:43:14
  Speaker 19: Let's go to gyms Rantom gems. It came on to
• 1:43:17
  Speaker 19: the ems standing time today too.
• 1:43:20
  Speaker 5: That's the fact. Live.
• 1:43:21
  Speaker 19: Shout out to Welby. Shout out the Welby Live. We
• 1:43:24
  Speaker 19: dropped mad gyms today too. Y'all better go watch that now.
• 1:43:26
  Speaker 19: I ain't gonna hold y'all up. Welby is a savage.
• 1:43:29
  Speaker 19: Y'all better go watch that episode after I get out
• 1:43:31
  Speaker 19: for this, go watch the last post Rantom Gyms six
• 1:43:34
  Speaker 19: pm Eastern stand time. It was phenomenal. Shout out the
• 1:43:37
  Speaker 19: at my best one nine seven.
• 1:43:39
  Speaker 5: All right, Well, listen, what's going on? You got MG
• 1:43:41
  Speaker 5: on a lot with us.
• 1:43:43
  Speaker 6: Hey, y'all, how are y'all?
• 1:43:44
  Speaker 2: What's up?
• 1:43:46
  Speaker 8: I am great?
• 1:43:48
  Speaker 13: I actually met you so long ago when you hosted
• 1:43:52
  Speaker 13: an event with the knees the broker. I was at
• 1:43:55
  Speaker 13: the brokerge at the time and I met you.
• 1:43:57
  Speaker 19: That was like that was it's like three years ago. Wow'
• 1:44:05
  Speaker 19: yeah they won't.
• 1:44:06
  Speaker 2: I love it?
• 1:44:08
  Speaker 6: Oh man.
• 1:44:09
  Speaker 13: I actually have a quick question. So last year I
• 1:44:14
  Speaker 13: purchased my childhood home in Florida. We have roughly about
• 1:44:19
  Speaker 13: two hundred and fifty.
• 1:44:20
  Speaker 7: Thousand dollars in equity and I.
• 1:44:23
  Speaker 13: Want to pull it out because the game plan that
• 1:44:25
  Speaker 13: I have is to purchase an apartment complex. But I
• 1:44:31
  Speaker 13: don't know if I should pull out a helock or
• 1:44:35
  Speaker 13: a line of equity. So I'm not sure which direction
• 1:44:38
  Speaker 13: go in with that, and so I kind of wanted
• 1:44:41
  Speaker 13: to hear what you may think.
• 1:44:44
  Speaker 19: So, so it's a helock home equit line of credit
• 1:44:48
  Speaker 19: and then you have a he loan, which is an
• 1:44:51
  Speaker 19: equity loan. Right, So there's two options you can do.
• 1:44:54
  Speaker 19: Both of them are considered like second mortgages, right. A
• 1:44:58
  Speaker 19: home equi line of credit it kind of acts like
• 1:45:00
  Speaker 19: a credit card where you have a ten year draw
• 1:45:03
  Speaker 19: period where you can use the money paid off, use
• 1:45:06
  Speaker 19: the money paid off, use the money paid off right,
• 1:45:09
  Speaker 19: and then after ten years it could turn into a
• 1:45:11
  Speaker 19: twenty year fix. Some banks may turn it into a
• 1:45:14
  Speaker 19: ten year fix, just depending on the bank and their terms.
• 1:45:17
  Speaker 19: And so that's heat a HE lock, right, and you're
• 1:45:20
  Speaker 19: only paying money that you use. So if you borrow
• 1:45:23
  Speaker 19: let's just say one hundred k out of that two
• 1:45:25
  Speaker 19: point fifty, if you don't use the one hundred k,
• 1:45:28
  Speaker 19: you don't make a payment. If you use twenty five thousand,
• 1:45:31
  Speaker 19: you make a payment on that twenty five thousand and not.
• 1:45:34
  Speaker 19: The difference now a HEAT loan is they're basically giving
• 1:45:38
  Speaker 19: you that one hundred thousand dollars the day of closing
• 1:45:40
  Speaker 19: or three days after closing via wire check, whatever, and
• 1:45:44
  Speaker 19: you're making a payment the next month, even if you
• 1:45:48
  Speaker 19: didn't deploy that capital into a project, and that it's
• 1:45:54
  Speaker 19: going to be a fixed rate mortgage and it will
• 1:45:56
  Speaker 19: be probably for a twenty or thirty year term, but
• 1:45:59
  Speaker 19: right now those rates are probably going to be nine
• 1:46:01
  Speaker 19: to eleven percent, just depending. But so for me personally,
• 1:46:05
  Speaker 19: I necessarily don't like the HE loans because again, if
• 1:46:09
  Speaker 19: I get one hundred k from it, I have to
• 1:46:11
  Speaker 19: make payments right away and I might still be shopping
• 1:46:14
  Speaker 19: for deals and I still got to make this monthly payment,
• 1:46:17
  Speaker 19: whereas with a HE lock. I have more flexibility with
• 1:46:20
  Speaker 19: it now once you have that one hundred k, even
• 1:46:24
  Speaker 19: if you spend it all, once you start paying down
• 1:46:26
  Speaker 19: that principle, it's not like you can access that funds again.
• 1:46:30
  Speaker 19: With a he loan, you're just paying it back. But
• 1:46:32
  Speaker 19: with the he lock, over that first ten years, you
• 1:46:34
  Speaker 19: can kind of move and shake the way you want.
• 1:46:36
  Speaker 19: So I would recommend he lock, but my disclaimer as
• 1:46:41
  Speaker 19: always have a plan to make sure you pay back
• 1:46:44
  Speaker 19: that debt because you don't want to mess up the
• 1:46:45
  Speaker 19: church's money.
• 1:46:48
  Speaker 6: Thank you so much, thank you, Cole.
• 1:46:51
  Speaker 2: So happy holidays, Happy holidays.
• 1:46:56
  Speaker 4: What's the different between the he loan and a refile.
• 1:46:59
  Speaker 19: So refinance is when you are using you're refinancing your
• 1:47:05
  Speaker 19: first mortgage, right, So if your first mortgage has a
• 1:47:09
  Speaker 19: rate of three percent and you want to do a
• 1:47:12
  Speaker 19: cash out refinance, then you're subject to whatever the market
• 1:47:17
  Speaker 19: rate is today for that cash out refinance, and you'll
• 1:47:23
  Speaker 19: have one mortgage. So let's just say you owe three
• 1:47:25
  Speaker 19: hundred thousand rashard and you want to take out two
• 1:47:27
  Speaker 19: hundred thousand on the cash out refinance. Now you're going
• 1:47:30
  Speaker 19: to owe five hundred thousand, but it will be at
• 1:47:33
  Speaker 19: that much higher interest rate where today's market is. So
• 1:47:36
  Speaker 19: that's why for me, I would recommend, if you have
• 1:47:39
  Speaker 19: that amount of equity and you can qualify, I would
• 1:47:42
  Speaker 19: prefer you to leave that first mortgage loan so you
• 1:47:45
  Speaker 19: can keep that three percent rate and you get the
• 1:47:48
  Speaker 19: helock in second position or second lean on the property,
• 1:47:52
  Speaker 19: and you're able to have that flexibility with that capital
• 1:47:55
  Speaker 19: to use it as you can.
• 1:47:57
  Speaker 2: Now.
• 1:47:57
  Speaker 19: I want to say this too with helock. Those of
• 1:48:01
  Speaker 19: you who have helocks that are open right now, be
• 1:48:04
  Speaker 19: very mindful of this. That money is not yours unless
• 1:48:09
  Speaker 19: you deploy it. So if you have a two hundred
• 1:48:12
  Speaker 19: thousand dollars helock right now, and let's just say you
• 1:48:16
  Speaker 19: only use fifty thousand of that helock, so you have
• 1:48:20
  Speaker 19: availability of one hundred and fifty thousand left, at any
• 1:48:24
  Speaker 19: given moment, the bank can close your line of credit
• 1:48:29
  Speaker 19: with no warning. So if the economic downturn continues to happen,
• 1:48:34
  Speaker 19: if we slide into this recession, if inflation continues to rise,
• 1:48:39
  Speaker 19: if it goes back up, if home prices keep declining,
• 1:48:43
  Speaker 19: if home values slip and decline further, the banks at
• 1:48:47
  Speaker 19: any given time can say, you know what, there's too
• 1:48:50
  Speaker 19: much risk to have this much equity just out there.
• 1:48:56
  Speaker 19: Let us cut this off so that way people don't
• 1:48:59
  Speaker 19: go upside down and they.
• 1:49:00
  Speaker 2: Risk their investment of being paid back.
• 1:49:04
  Speaker 19: So I need you, guys, if you have current home
• 1:49:07
  Speaker 19: equi line of credits, be mindful that because you'll wake
• 1:49:10
  Speaker 19: up one morning thinking you got one hundred and fifty
• 1:49:13
  Speaker 19: k or whatever it is to play with, and that
• 1:49:15
  Speaker 19: thing will be gone. Be mindful even with your credit cards.
• 1:49:20
  Speaker 19: Even with your credit cards, they'll do that on AMEX
• 1:49:22
  Speaker 19: and the heartbeat that you think you got a hundred
• 1:49:25
  Speaker 19: thousand limit and you got fifty thousand now, So just
• 1:49:28
  Speaker 19: be mindful of that.
• 1:49:29
  Speaker 4: People.
• 1:49:33
  Speaker 5: Yeah, Dante Walker, we coming to you and meet yourself.
• 1:49:35
  Speaker 5: You've been muted. What's going on well?
• 1:49:42
  Speaker 19: Guidelines god Lines line Godelines, guidelines guidelines.
• 1:49:48
  Speaker 5: Yeah. Yeah, let's we're gonna go to de Devin. We're
• 1:49:52
  Speaker 5: coming to you. Mute yourself. You've been on you. What's
• 1:49:55
  Speaker 5: going on? Devon? It's Thanksgiving these Yeah, thank you man,
• 1:50:00
  Speaker 5: Thank you guys.
• 1:50:02
  Speaker 16: The question was mean. So my question was I have
• 1:50:08
  Speaker 16: a two question. So the first one is what are
• 1:50:11
  Speaker 16: some of the best bumps to to get elock from.
• 1:50:16
  Speaker 4: The best bank to get the heck.
• 1:50:18
  Speaker 19: From that, I would say, always try your local credit
• 1:50:22
  Speaker 19: union and always try to like the local regional banks
• 1:50:26
  Speaker 19: first for your home Aqulanta Credits because your credit union
• 1:50:30
  Speaker 19: and your local regional bank wants the local business right
• 1:50:35
  Speaker 19: and they want that relationship. They want you to bring
• 1:50:37
  Speaker 19: over accounts and other accounts, so they will probably be
• 1:50:41
  Speaker 19: the first stops that I would go to if I
• 1:50:43
  Speaker 19: was looking for home Agreelanta credit would be a local
• 1:50:46
  Speaker 19: credit union or local regional bank.
• 1:50:49
  Speaker 16: Okay, thank you. The second question is seller, my owner finance.
• 1:50:57
  Speaker 16: I sell piece of property. It's a lone and you're
• 1:51:01
  Speaker 16: doing that on a fine that I want to top
• 1:51:05
  Speaker 16: into that because I got my equipments, I do trucking
• 1:51:08
  Speaker 16: and I need somewhere to park. How do I approach
• 1:51:11
  Speaker 16: something like that?
• 1:51:14
  Speaker 19: The seller makes the terms, so the seller finance, and
• 1:51:20
  Speaker 19: just for those of you who'll know, is basically when
• 1:51:21
  Speaker 19: the seller is agreeing to basically give you a private
• 1:51:24
  Speaker 19: mortgage and hold that note, and they would dictate the terms. Now,
• 1:51:30
  Speaker 19: obviously you're dealing directly with the seller, so you have
• 1:51:32
  Speaker 19: room to negotiate with them. So they might say, all right,
• 1:51:36
  Speaker 19: I'll give you this alone if you're able to put
• 1:51:39
  Speaker 19: twenty percent down and you will be able. I'll give
• 1:51:43
  Speaker 19: you a loan for ten years at market rate of
• 1:51:47
  Speaker 19: seven percent interest only, but after ten years it's a
• 1:51:52
  Speaker 19: balloon payment and you have to pay me back something
• 1:51:54
  Speaker 19: like that.
• 1:51:55
  Speaker 9: Right.
• 1:51:55
  Speaker 2: I'm just giving you, guys an example of what it
• 1:51:57
  Speaker 2: would look like. But you have the bill to.
• 1:52:00
  Speaker 19: Negotiate with them if they're trying, if they are flexible,
• 1:52:03
  Speaker 19: and if they really want to, you know, get rid
• 1:52:07
  Speaker 19: of that property. So I think seller financing is a
• 1:52:10
  Speaker 19: great tool. But any any way you can finance a
• 1:52:13
  Speaker 19: real estate deal is a great option. It's a great tool.
• 1:52:16
  Speaker 19: So if you have an opportunity like that, Devin, I
• 1:52:19
  Speaker 19: would highly recommend that you continue to explore that opportunity.
• 1:52:24
  Speaker 16: All right, thank you, Thank you guys, Thank you very much.
• 1:52:27
  Speaker 5: No problem, brother, Thanks DEVI M how you feel we
• 1:52:31
  Speaker 5: take one more? Yeah?
• 1:52:33
  Speaker 2: Yeah, keep going bro outside.
• 1:52:36
  Speaker 5: I let's do this. George Murray were coming to me?
• 1:52:38
  Speaker 5: You unmute yourself, you've been unmuted? Yes, thank you? Hello Howard, y'all.
• 1:52:44
  Speaker 2: Doing alive and blessed? Alive and blessed.
• 1:52:47
  Speaker 9: Okay, so you entered the game with your real estate
• 1:52:52
  Speaker 9: license or you did all of this without your real
• 1:52:54
  Speaker 9: estate license because I heard you say that you were
• 1:52:57
  Speaker 9: working on loans.
• 1:52:58
  Speaker 19: Nah into the game as as a mortgage guy. I
• 1:53:01
  Speaker 19: entered this game as a loan officer, and I actually
• 1:53:04
  Speaker 19: had my real estate license too. It's still I still
• 1:53:07
  Speaker 19: have it. I just got to reactivate it. But I
• 1:53:10
  Speaker 19: primarily focus on mortgage originations. I help people get funding
• 1:53:14
  Speaker 19: for deals. For the past twenty years, over a billion
• 1:53:16
  Speaker 19: dollars funded in my career.
• 1:53:18
  Speaker 2: I am MG the mortgage guy. George.
• 1:53:21
  Speaker 9: Okay, So, so so you reach out to Florida as
• 1:53:24
  Speaker 9: well or just yes, sir.
• 1:53:26
  Speaker 2: I do all types of loans.
• 1:53:27
  Speaker 19: I work with first time home buyers investors, no matter
• 1:53:31
  Speaker 19: if your first time investor to savvy investors. I work
• 1:53:33
  Speaker 19: on commercial deals. I can do rehab financing, I can
• 1:53:37
  Speaker 19: do development financing. Whatever you want. I'm like Baskin Robbins George.
• 1:53:42
  Speaker 5: Okay, So what else you need?
• 1:53:44
  Speaker 8: So where do I go to?
• 1:53:45
  Speaker 5: Your page? Do I go to?
• 1:53:47
  Speaker 6: You have to do?
• 1:53:48
  Speaker 2: If you want to work with me, apply with MG
• 1:53:50
  Speaker 2: dot com. That's it. Apply with MG dot com.
• 1:53:54
  Speaker 19: If you want to get pre approved, you want a
• 1:53:55
  Speaker 19: second opinion on the current deal, or if you want
• 1:53:57
  Speaker 19: to book a consultation with me on my team apply
• 1:54:00
  Speaker 19: with MG dot com.
• 1:54:02
  Speaker 5: Okay, gotcha. I appreciate that. Thanks for the blessing.
• 1:54:06
  Speaker 2: Continue blessings, my brother, Yes, blessing.
• 1:54:09
  Speaker 5: It's a blessing to be a blessing. All right, Dante Walker,
• 1:54:11
  Speaker 5: you ready, man, you're coming back to you mutter stuff
• 1:54:14
  Speaker 5: you've been on.
• 1:54:15
  Speaker 18: You.
• 1:54:15
  Speaker 5: Appreciate you, George Happy, holladays you and the fam you
• 1:54:18
  Speaker 5: as well.
• 1:54:19
  Speaker 2: Yep, yeah, I missed this. I haven't done this in
• 1:54:25
  Speaker 2: a while.
• 1:54:27
  Speaker 5: Dante, You've been unmuted, man, what's up?
• 1:54:34
  Speaker 19: You get the second change, so we might have to
• 1:54:37
  Speaker 19: clip that last one.
• 1:54:40
  Speaker 2: That last that last exchange. I kind of like that one's.
• 1:54:46
  Speaker 5: Gonna get your next post. Joseph, Joseph Wells Jr. We're
• 1:54:50
  Speaker 5: coming to you. Mute yourself. You've been unmuted. What's going on?
• 1:54:58
  Speaker 2: Guidelines, go lies, that's what's going on. Guidelines And he's.
• 1:55:11
  Speaker 4: Well, let's talk about this.
• 1:55:12
  Speaker 3: So part of Eyo University is MG the Mortgage Guys
• 1:55:16
  Speaker 3: home Boys Blueprint Vyume one and volume two, and can
• 1:55:20
  Speaker 3: you just talk about what's encompassed in the Homeboys Blueprint.
• 1:55:23
  Speaker 4: Volume one two?
• 1:55:25
  Speaker 19: So the home Buyers Blueprint series is the Encyclopedia for
• 1:55:29
  Speaker 19: Home Buyers and Investors.
• 1:55:31
  Speaker 4: The home boys get what which? What you get?
• 1:55:33
  Speaker 5: What'd you get?
• 1:55:34
  Speaker 4: The Encyclopedia word.
• 1:55:35
  Speaker 19: From from from Rashad. What shap allows us is the
• 1:55:39
  Speaker 19: resul y'all. I don't have no shame in telling y'all
• 1:55:42
  Speaker 19: this too. I have no no ego with this.
• 1:55:46
  Speaker 7: YO.
• 1:55:47
  Speaker 19: When he the first time he said that ship too,
• 1:55:49
  Speaker 19: I said, oh my god, the Encyclopedia.
• 1:55:53
  Speaker 2: I said, I'm gonna run that joint.
• 1:55:58
  Speaker 19: Yeah, y'all watching that's in real time, y'all, this is live,
• 1:56:04
  Speaker 19: but now it really is this but it really is though.
• 1:56:07
  Speaker 2: Encyclopedia for Home Buying.
• 1:56:09
  Speaker 19: The Homebuys Blueprint Volume one is fifteen plus hours of
• 1:56:13
  Speaker 19: content assessments. I mean you get the so any first
• 1:56:17
  Speaker 19: time home buyer new rail to like, yo, you can
• 1:56:21
  Speaker 19: go through that thing and kind of no, you can
• 1:56:24
  Speaker 19: get your deal closed.
• 1:56:25
  Speaker 5: Period.
• 1:56:26
  Speaker 19: It's helped thousands of people close on real estate and
• 1:56:29
  Speaker 19: one of the and I'll be honest, I don't even promote.
• 1:56:33
  Speaker 2: All the success of this.
• 1:56:34
  Speaker 19: And I got to get better at that because there's
• 1:56:36
  Speaker 19: been fat literally thousands of people.
• 1:56:38
  Speaker 2: We be all over the place.
• 1:56:40
  Speaker 19: And people always come up like, yo, I closed on
• 1:56:43
  Speaker 19: this I save money because of the Home Boys Blueprint
• 1:56:45
  Speaker 19: Volume one, right, So it's the Encyclopedia for home buy
• 1:56:48
  Speaker 19: It's probably my greatest work to this day.
• 1:56:50
  Speaker 2: I love that course and it's my baby. And look
• 1:56:55
  Speaker 2: Ab took it.
• 1:56:56
  Speaker 19: Ab was doing assessments and took it and he's like Yore, Matt,
• 1:57:00
  Speaker 19: I learned all about real estate because of the Home
• 1:57:02
  Speaker 19: Eys Blueprint.
• 1:57:03
  Speaker 3: So Mike Brown, Mike Brown actually brought a home off
• 1:57:06
  Speaker 3: of that eylum. Not he was saying, like, you know,
• 1:57:09
  Speaker 3: he brought the home after studying the blueprint. And the
• 1:57:12
  Speaker 3: thing about it is, like, you know, the encyclopedia is
• 1:57:15
  Speaker 3: fitting because you go to school and you study and
• 1:57:17
  Speaker 3: you learn about variety different things, but you never really
• 1:57:20
  Speaker 3: learn about the process of buying a home. And it's
• 1:57:22
  Speaker 3: very actually extremely complicated, not as easy as just going
• 1:57:25
  Speaker 3: to the bank and buy a home, and for most people,
• 1:57:28
  Speaker 3: that's the biggest purchase that you're ever going to make
• 1:57:30
  Speaker 3: in life. So being that there's no education on it,
• 1:57:33
  Speaker 3: where do you go to know what you're doing. You
• 1:57:36
  Speaker 3: just don't really know what you're doing. You just kind
• 1:57:37
  Speaker 3: of wing it and you end up making a lot
• 1:57:39
  Speaker 3: of mistakes. You don't even know you're making mistakes, so
• 1:57:43
  Speaker 3: you know, to have a curriculum to have you know,
• 1:57:45
  Speaker 3: a step by step died in buying a home and
• 1:57:50
  Speaker 3: then also how to renovate the home, and you know
• 1:57:53
  Speaker 3: different programs and interest rates and you know all of
• 1:57:57
  Speaker 3: that refinancing and all that stuff is actually extremely beneficial
• 1:58:01
  Speaker 3: for majority of people because it wasn't taught to you
• 1:58:06
  Speaker 3: in school, and if your parents didn't buy a home,
• 1:58:09
  Speaker 3: then even if they bought a home, they might not
• 1:58:12
  Speaker 3: be fully educated on the process. So it's people take
• 1:58:15
  Speaker 3: it for granted, but that is actually extremely beneficial educational
• 1:58:21
  Speaker 3: piece because there's so many different parts of buying home.
• 1:58:25
  Speaker 3: You got the entrepreneur loan, you got the jumbo mortgage,
• 1:58:28
  Speaker 3: you got the refine, you got the veteran loan, you
• 1:58:32
  Speaker 3: got the you know, the heat lot, you got the
• 1:58:36
  Speaker 3: two O three K, you got the two three K, you.
• 1:58:41
  Speaker 19: Got the home styles. So like volume two, the rehab
• 1:58:44
  Speaker 19: pack covers that covers fairly made home style rehab loan.
• 1:58:49
  Speaker 19: It covers the two or three K in depth detail.
• 1:58:52
  Speaker 19: That's around seven hours of information. And you know what
• 1:58:56
  Speaker 19: I really want to do is and all honestly, and
• 1:58:59
  Speaker 19: I put this in chat like a month ago. But
• 1:59:01
  Speaker 19: I really want to do volume three, and I think
• 1:59:04
  Speaker 19: Volume three is going to be the best body of
• 1:59:06
  Speaker 19: work that I've ever done in my life, superseding Volume
• 1:59:10
  Speaker 19: one because now there's new information, there's new things that
• 1:59:14
  Speaker 19: are happening in the world and in the marketplace, and
• 1:59:16
  Speaker 19: there's a lot of different loan products out there. So
• 1:59:19
  Speaker 19: I think with volume three that's going to encompass heavy investing,
• 1:59:24
  Speaker 19: heavy entrepreneur, self employed, and really teaching people how to
• 1:59:29
  Speaker 19: analyze deals and going through those motions too. So Blueprint
• 1:59:33
  Speaker 19: Volume three will be coming soon. I'm not going to
• 1:59:35
  Speaker 19: put a data on it right now because I'm going
• 1:59:38
  Speaker 19: to probably make that twenty plus hours of information to
• 1:59:42
  Speaker 19: really help people get the game on track, not they
• 1:59:44
  Speaker 19: push back, like this is really going to be a
• 1:59:47
  Speaker 19: dynamic piece of work and it's only going to be
• 1:59:51
  Speaker 19: for eyl University powered by Recession Proof. So if you
• 1:59:56
  Speaker 19: want to really learn how to fund your deal, it
• 2:00:00
  Speaker 19: was fun your investments and really get the vital information,
• 2:00:04
  Speaker 19: you got to be a part of this. Man, You
• 2:00:06
  Speaker 19: got to be a part of this So Home series
• 2:00:10
  Speaker 19: is phenomenal.
• 2:00:11
  Speaker 5: Yes, she just asked what she can get it If
• 2:00:13
  Speaker 5: you're in the chat. Then you have access to it
• 2:00:15
  Speaker 5: right now? Oh yeah, sure, surely.
• 2:00:18
  Speaker 19: Oh yeah, if you're in a zoom, then you already gucci.
• 2:00:22
  Speaker 5: Yeah, and man, I got I told you this when
• 2:00:25
  Speaker 5: I first saw it. I think I probably was the
• 2:00:26
  Speaker 5: first one to have eyes on the programming. So it
• 2:00:30
  Speaker 5: was a complete body of work, and you over delivered it.
• 2:00:32
  Speaker 5: I know. A lot of times I feel like, you know,
• 2:00:34
  Speaker 5: you get a little harder yourself, like you know, I
• 2:00:36
  Speaker 5: could have added more, and after like going through the
• 2:00:39
  Speaker 5: course and writing the assessments for the course, I'm like,
• 2:00:41
  Speaker 5: I'm not show how you could have. In fact, anybody
• 2:00:44
  Speaker 5: that takes it, they're gonna come out better and they're
• 2:00:46
  Speaker 5: going to come out with an understanding of real estate
• 2:00:48
  Speaker 5: that they never had before. I definitely did. And I
• 2:00:51
  Speaker 5: have a home and you walk me through the process
• 2:00:53
  Speaker 5: of getting another home. So congratulations to you. I know
• 2:00:56
  Speaker 5: you want to give us all flowers, but I want
• 2:00:57
  Speaker 5: to give you yours. Man. That is a complete body
• 2:00:59
  Speaker 5: of words, an authentic body of work, and it is
• 2:01:03
  Speaker 5: super digestible. And the fact that people get to assess
• 2:01:08
  Speaker 5: how they're learning and what they're learning throughout the process
• 2:01:10
  Speaker 5: makes it even better. Man. So progress to you on
• 2:01:13
  Speaker 5: the becoming the authority in the field of real estate
• 2:01:16
  Speaker 5: four community Man.
• 2:01:17
  Speaker 19: Troy, I appreciate that you from coming from you because
• 2:01:20
  Speaker 19: you're an educator, You're professionally trained at this, and when
• 2:01:24
  Speaker 19: you told me that, I'm like, nah, this shit sucks,
• 2:01:26
  Speaker 19: like like I could do a lot more. And you know,
• 2:01:29
  Speaker 19: the funny thing is, I said that about episode twelve
• 2:01:32
  Speaker 19: two and yeah, both is like, nah, it's good. Like
• 2:01:34
  Speaker 19: I am a tough critic on myself. I'm very hard
• 2:01:37
  Speaker 19: on everything that I do, and Troy is always that person.
• 2:01:41
  Speaker 19: Like now, as soon as I come off any stage
• 2:01:43
  Speaker 19: or anything, Troy is really literally the first person that
• 2:01:46
  Speaker 19: comes out to me like yore mg nah. Like so
• 2:01:50
  Speaker 19: I always appreciate you, bro, because coming from you being
• 2:01:54
  Speaker 19: a trained professional educator, that means a lot because I'm
• 2:01:57
  Speaker 19: not trained to do this. I don't even know how
• 2:01:59
  Speaker 19: I'm doing today. To be honest with you, I'm just
• 2:02:02
  Speaker 19: I'm just doing what I do and the blueprint. Looking
• 2:02:06
  Speaker 19: back at it now, I agree with a thousand percent
• 2:02:08
  Speaker 19: with you. That thing's a masterpiece and I'm very proud
• 2:02:12
  Speaker 19: of it. It's helped thousands of people buy real estate
• 2:02:15
  Speaker 19: the right way, get good deals. But now I think
• 2:02:18
  Speaker 19: I want to take it to the next level with
• 2:02:21
  Speaker 19: Volume three and just continue my mission. And my mission, fellas,
• 2:02:25
  Speaker 19: is to help close the wealth gap in real estate,
• 2:02:28
  Speaker 19: one brick at a time. And whether you're buying your
• 2:02:31
  Speaker 19: primary residence or you buying investment properties, Black and brown
• 2:02:35
  Speaker 19: people need to buy real estate. We don't need to
• 2:02:37
  Speaker 19: really pay attention to the fear mongering. We need to
• 2:02:40
  Speaker 19: stay the course and stay focused on our mission. Our
• 2:02:43
  Speaker 19: wealth is disappearing in front of our eyes. And if
• 2:02:46
  Speaker 19: we have everybody who's watching this right now, we have
• 2:02:49
  Speaker 19: the opportunity to change the generational DNA of our entire community.
• 2:02:56
  Speaker 19: And real estate is a big play on that. Let's
• 2:02:58
  Speaker 19: not get it twisted. No real estate gets treated like
• 2:03:01
  Speaker 19: the step child when it comes to cryptrow and stocks
• 2:03:03
  Speaker 19: and everything that's out there. But let's not forget how
• 2:03:06
  Speaker 19: important real estate is because you can't go outside without
• 2:03:10
  Speaker 19: seeing real estate period.
• 2:03:14
  Speaker 4: Period with a T with a T yep. Very important.
• 2:03:21
  Speaker 4: Uh well, MG, always a pleasure. My brother.
• 2:03:26
  Speaker 19: Just set me the picture to another one. Yo, y'all,
• 2:03:34
  Speaker 19: dude's on fire, yo, Yo. Market mondays this Sunday Madison
• 2:03:40
  Speaker 19: Square Garden. If you are not in the building with
• 2:03:43
  Speaker 19: these two gentlemen and the master investor.
• 2:03:46
  Speaker 2: You know what, hold on?
• 2:03:48
  Speaker 19: I want to give away two tickets because I brought
• 2:03:50
  Speaker 19: a couple of tickets myself.
• 2:03:52
  Speaker 2: Let's do a rifle.
• 2:03:54
  Speaker 19: I want to give away two tickets to Market Mondays
• 2:03:57
  Speaker 19: this Sunday. Like who should we give to some new
• 2:04:00
  Speaker 19: earners who come into the new movement? Or should we
• 2:04:03
  Speaker 19: give it to the YouTube people? I got two tickets
• 2:04:05
  Speaker 19: to give away. How should we do this, fellas you
• 2:04:09
  Speaker 19: tell me new earnest or YouTube people. I think we
• 2:04:14
  Speaker 19: go with the home team, Man home team. It is
• 2:04:17
  Speaker 19: look home team. It is sign Up joint E y
• 2:04:22
  Speaker 19: l University powered by Recession Proof. And you can inter
• 2:04:27
  Speaker 19: win two tickets to Market Monday's live at Madison Square
• 2:04:31
  Speaker 19: Garden this Sunday. And it's going to be a movie.
• 2:04:35
  Speaker 4: I'm trying to tell you motion picture event.
• 2:04:38
  Speaker 3: Man's gonna be one of them, one of them ones
• 2:04:40
  Speaker 3: Man Floyd Money, Mayweather, JD Kids, Don Peebles, Peter Tuckman, uh.
• 2:04:48
  Speaker 4: Who else?
• 2:04:48
  Speaker 19: Man MG on the bell, I ain't gonna hold you
• 2:04:52
  Speaker 19: at MG. MG should be on the bell for shot
• 2:04:57
  Speaker 19: Yo for shot. MG should be on the bell. Bro
• 2:05:01
  Speaker 19: I ain't here mg a shot. I will be in
• 2:05:05
  Speaker 19: the building though, but I ain't on the stage. Shot.
• 2:05:12
  Speaker 4: We gotta work out some last minute you know.
• 2:05:14
  Speaker 19: Come on, man, I'm ready, Bro, let's go, Yody know
• 2:05:18
  Speaker 19: what to do. I don't even need to be on
• 2:05:19
  Speaker 19: the fly. Just tell me, y'all and that's all I need.
• 2:05:23
  Speaker 19: Say less, say less, lady, y'all. Like I put him
• 2:05:29
  Speaker 19: on the spot. This is really me and his group
• 2:05:30
  Speaker 19: text and the group text with him too. Shoty, what's good, bro?
• 2:05:38
  Speaker 19: Do exactly what he's doing right now? Like, Yo, we
• 2:05:42
  Speaker 19: gotta work it out. Nice schedule, tight schedule. Oh hilarious, Yo,
• 2:05:56
  Speaker 19: but nah, it's gonna be late. It's gonna be now,
• 2:06:00
  Speaker 19: It's gonna be lit. I'm super proud of y'all. Man
• 2:06:02
  Speaker 19: shout out the end, Like, guys, you gotta understand. This
• 2:06:06
  Speaker 19: is not a rap concert. This is not a comedy show.
• 2:06:10
  Speaker 19: No disrespect to nobody. This is financial literacy and that's fast.
• 2:06:15
  Speaker 19: Your ro sold out Royal Albert Hall.
• 2:06:19
  Speaker 2: Incredible.
• 2:06:21
  Speaker 19: I'm telling you, it's gonna be due by next Canada, Africa,
• 2:06:24
  Speaker 19: America again, it's gonna be This is global and it's
• 2:06:29
  Speaker 19: all for financial literacy for black and brown people. This
• 2:06:32
  Speaker 19: is monumental, this is iconic, this is history books. I
• 2:06:38
  Speaker 19: don't have nothing else to say after that. The rock
• 2:06:42
  Speaker 19: boys and the building, Baby, let's go. Let's go, y'all
• 2:06:48
  Speaker 19: drop some gems in the comments if you're rocking with
• 2:06:51
  Speaker 19: the EYL movement. This is international, This is for us,
• 2:06:56
  Speaker 19: for us, by us, man for real. I'm super proud
• 2:06:59
  Speaker 19: of everybody that's affiliated with this, everybody who's out here teaching,
• 2:07:04
  Speaker 19: everybody who sacrifices to give information like this is not easy,
• 2:07:11
  Speaker 19: it's hard work. But I'm super proud of everybody and
• 2:07:14
  Speaker 19: everybody who's affiliate affiliated with EYL, the whole team. Like
• 2:07:19
  Speaker 19: I'm proud of y'all. Love y'all, Happy Thanksgiving to everybody.
• 2:07:23
  Speaker 19: Be safe, safety first, and I'll see y'all at the
• 2:07:28
  Speaker 19: new EYL University powered by Recession Proof.
• 2:07:33
  Speaker 3: Let's do it so before we leave, just to remind
• 2:07:35
  Speaker 3: you guys to join the waiting list texts learn to
• 2:07:40
  Speaker 3: four oh one two three eight seven four seven nine.
• 2:07:45
  Speaker 3: The relaunch of EYL University will be dropping on Friday.
• 2:07:50
  Speaker 3: It is a merger with Recession Proof. We have added
• 2:07:55
  Speaker 3: nineteen courses which include all of MG the Mortgage God courses,
• 2:08:00
  Speaker 3: which includes Hermann's Business Credit Course which includes dance Business
• 2:08:05
  Speaker 3: Course and a variety of other course. We got options course,
• 2:08:09
  Speaker 3: We got a variety of different courses that will be
• 2:08:11
  Speaker 3: added into the curriculum. Chapters twenty seven chapters physical like
• 2:08:16
  Speaker 3: chapters across the country. Interactive classes will be taking place
• 2:08:23
  Speaker 3: events and as I said, the event thing is actually
• 2:08:27
  Speaker 3: a really valuable situation because you know, that was part
• 2:08:31
  Speaker 3: of the thing that really inspired a lot of the
• 2:08:33
  Speaker 3: events that we do. So the events, exclusive events just
• 2:08:37
  Speaker 3: for members, and you know, we just wanted to relaunch it.
• 2:08:39
  Speaker 3: We had Eyo University for about two and a half
• 2:08:43
  Speaker 3: three years and you know, we achieved a tremendous amount
• 2:08:47
  Speaker 3: of success. But like I said, you know, being the
• 2:08:51
  Speaker 3: space that we're in, we'll always have to try to
• 2:08:54
  Speaker 3: do something bigger and think in the future and think ahead.
• 2:08:59
  Speaker 3: And that's the only way you can really be successful
• 2:09:01
  Speaker 3: in this world is to never become complacent and never
• 2:09:04
  Speaker 3: become stagnant. And that was why we felt like, you know,
• 2:09:09
  Speaker 3: the merger made sense and this is where we're at.
• 2:09:15
  Speaker 3: It's gonna be something that I don't think anybody in
• 2:09:18
  Speaker 3: the space. I don't see how anybody in the space
• 2:09:22
  Speaker 3: can really. You know, I don't know how they what
• 2:09:26
  Speaker 3: happens with this situation, be honest with you, but it's
• 2:09:30
  Speaker 3: gonna be a situation that's gonna you know, really be
• 2:09:33
  Speaker 3: big man.
• 2:09:34
  Speaker 2: You're a waitness in a dynasty like no other.
• 2:09:37
  Speaker 4: The line has been droven big as the sun.
• 2:09:39
  Speaker 3: So text that number and yeah, we're gonna drop it
• 2:09:44
  Speaker 3: on Black Friday. Fifty percent off on Black Friday, twenty
• 2:09:48
  Speaker 3: four hour sell on Black Friday, and we're gonna run
• 2:09:53
  Speaker 3: it all the way through.
• 2:09:53
  Speaker 4: Man.
• 2:09:54
  Speaker 3: We're gonna be going to Madison Square Garden on Sunday,
• 2:09:58
  Speaker 3: and then we're going to art Bao next Saturday, and
• 2:10:03
  Speaker 3: then we have we have the real Estate Expo at
• 2:10:07
  Speaker 3: Howard University the next Saturday after that, So.
• 2:10:12
  Speaker 19: Can we drop the link? Can we drop the link
• 2:10:14
  Speaker 19: in the chat real quick?
• 2:10:16
  Speaker 11: Yeah?
• 2:10:16
  Speaker 3: Put it in there if you have it. The Howard
• 2:10:20
  Speaker 3: University is is free also too, So our BOSO is
• 2:10:23
  Speaker 3: a free event. You can go to our website and
• 2:10:27
  Speaker 3: and sign up for that. That's free, but you must
• 2:10:30
  Speaker 3: r VP and Howard University real Estate Expo District of Columbia.
• 2:10:37
  Speaker 3: That's gonna be our last event for the year. That
• 2:10:39
  Speaker 3: also will be free.
• 2:10:42
  Speaker 2: Yeah, and I just put that.
• 2:10:44
  Speaker 19: I just put the link in the live chat a
• 2:10:46
  Speaker 19: couple of times. So if you're in the d m
• 2:10:48
  Speaker 19: V area.
• 2:10:49
  Speaker 4: Put it in the YouTube chat. Also YouTube YouTube.
• 2:10:54
  Speaker 2: Yeah, I put it in the YouTube chat.
• 2:10:57
  Speaker 5: Yeah. I put it for the earnest, so we're good.
• 2:11:00
  Speaker 2: Yeah.
• 2:11:00
  Speaker 19: So look, man, that that Home Boys Expo Howard University Historic.
• 2:11:05
  Speaker 19: You know, we're gonna fill that place up, a free
• 2:11:07
  Speaker 19: event for the community. So if you're in the DMV area,
• 2:11:11
  Speaker 19: please pull up. We got some certified gym droppers on
• 2:11:13
  Speaker 19: the stage. We'll announce that after market Monday is the
• 2:11:16
  Speaker 19: certified Jim Drive.
• 2:11:17
  Speaker 4: Oh.
• 2:11:17
  Speaker 19: You go to the link, you'll see who's gonna be there, right,
• 2:11:20
  Speaker 19: But it's gonna be an all a ton of ton
• 2:11:24
  Speaker 19: of information and it's free. First come, first serve. When
• 2:11:29
  Speaker 19: it comes to Seaton, get there early and come out
• 2:11:33
  Speaker 19: and network with us and come learn and be merry.
• 2:11:38
  Speaker 7: You know.
• 2:11:39
  Speaker 19: So this is the final event of the year and
• 2:11:41
  Speaker 19: I'm looking forward to that. I'm looking forward to Art
• 2:11:43
  Speaker 19: Basil another legendary time, silky situations.
• 2:11:48
  Speaker 2: And yeah, life is great. God bless the trap.
• 2:11:53
  Speaker 3: Oh, blessed the Trap. Man Basil. Anything's possible. Mil sold
• 2:12:00
  Speaker 3: out the bossle. So it's gonna be it's gonna be
• 2:12:07
  Speaker 3: a night to remember.
• 2:12:08
  Speaker 5: Man, Yo, Man, be safe, y'all. It is Uh. It
• 2:12:13
  Speaker 5: smells like somebody's cooking upstairs.
• 2:12:14
  Speaker 14: Man.
• 2:12:14
  Speaker 5: So that's always a good sign, which always means that
• 2:12:16
  Speaker 5: families are coming together to feast and celebrate each other
• 2:12:21
  Speaker 5: and share love with each other. So I encourage everybody
• 2:12:23
  Speaker 5: to do the same. I would be part of the
• 2:12:25
  Speaker 5: eating committee. I am the chapter leader of the eating
• 2:12:28
  Speaker 5: committee at in my house, and uh, I intend to
• 2:12:32
  Speaker 5: tend to my duty tomorrow at a very high level.
• 2:12:34
  Speaker 5: So shot, everybody that's the chair of the eating committee
• 2:12:37
  Speaker 5: in their homes as well.
• 2:12:39
  Speaker 3: Also make sure that you, uh, you drip responsibly during
• 2:12:46
  Speaker 3: this holiday weekend.
• 2:12:47
  Speaker 4: That's very important, very.
• 2:12:51
  Speaker 3: Extremely I ran into a fat Joe today at mike bespot.
• 2:12:55
  Speaker 2: Actually, how was how was that Mike be spot earlier?
• 2:12:58
  Speaker 2: What time he was there?
• 2:13:00
  Speaker 4: Around like four o'clock?
• 2:13:01
  Speaker 2: Oh yeah, I was at like twelve something.
• 2:13:04
  Speaker 3: Yes, already in the fat Joe. So I'm like, you're
• 2:13:06
  Speaker 3: dripping responsibly out. He was like at all times, brother,
• 2:13:09
  Speaker 3: at all times.
• 2:13:10
  Speaker 2: All times. Very important.
• 2:13:15
  Speaker 3: Shout out to Joey krack eyl University relaunch Friday.
• 2:13:21
  Speaker 4: Nothing will be the same.
• 2:13:23
  Speaker 3: Madison Square Garden takeover Sunday, art Basul next week, Washington
• 2:13:28
  Speaker 3: DC next week after next week. An unsought of high
• 2:13:34
  Speaker 3: level interviews coming out. Shout out to math Hafa my
• 2:13:38
  Speaker 3: expert opinion coming out soon.
• 2:13:41
  Speaker 4: And you know we stop.
• 2:13:43
  Speaker 5: We got a couple of bums.
• 2:13:44
  Speaker 4: Oh merch, go to the website.
• 2:13:49
  Speaker 3: Shout out to band fifty percent off merch running through
• 2:13:52
  Speaker 3: Black Friday.
• 2:13:52
  Speaker 19: Shout out to BAM, I need some more of those.
• 2:13:54
  Speaker 19: Asset over liability jaggas man.
• 2:13:57
  Speaker 3: The women's clothes going crazy. We back lit again. All Right,
• 2:14:03
  Speaker 3: ladies and gentlemen, that's a wrap. Tell a friend to
• 2:14:06
  Speaker 3: tell a friend. This will be on YouTube. It will
• 2:14:08
  Speaker 3: also be on podcast l as tomorrow. Text the number,
• 2:14:13
  Speaker 3: Text learn to four O one two three eight seven
• 2:14:17
  Speaker 3: four seven nine, and we are out of here.
• 2:14:20
  Speaker 5: Love is love, y'all. Be safe.
• 2:14:22
  Speaker 2: Happy Hour