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Study Hall: The Process of Buying Land & Building a Community · Earn Your Leisure

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Speaker 2: As you were saying that, so you're talking telling me,
1:02
Speaker 2: like the steps, Now you have to find an architect
1:05
Speaker 2: and you have to can you talk about that, because
1:06
Speaker 2: like it's one thing, all right? So you get the land,
1:08
Speaker 2: you get, you get the families. Everybody agrees to it.
1:11
Speaker 2: Now you just have one hundred acres.
1:13
Speaker 3: It's a lot of money, a lot of money. The step,
1:17
Speaker 3: the step is a mass as much money as.
1:20
Speaker 4: You can right, so listen.
1:21
Speaker 3: It literally starts with buying the land. That's the easiest first,
1:26
Speaker 3: that's the easiest part is buying the land, setting up
1:29
Speaker 3: the LLC so that we could buy the land.
1:31
Speaker 4: We did that two days. That's easy.
1:33
Speaker 3: The harder parts are spending that money on the photographical
1:39
Speaker 3: survey to find out what the topography.
1:42
Speaker 4: Is and whether or not you can build.
1:45
Speaker 3: If it's too steep here that means you can't build here.
1:48
Speaker 3: Soil samples, percolation tests, water testing, environmental testing, environmental impact fees.
1:58
Speaker 4: There's always another step.
2:01
Speaker 3: And then because we have such a massive project, it's
2:05
Speaker 3: not just one hundred acres, like to be a city,
2:08
Speaker 3: we need at least six hundred and forty acres a
2:10
Speaker 3: square mile radius. So you constantly like, okay, that means
2:14
Speaker 3: we got to acquire more land. So you have to
2:16
Speaker 3: negotiate the next conversation with the neighbors, like a neighbor,
2:20
Speaker 3: can I get your land so that we can get
2:22
Speaker 3: this puzzle piece going, so that we can eventually have
2:26
Speaker 3: enough of the requirements meant to push a charter through
2:29
Speaker 3: the legislature.
2:30
Speaker 5: So if this is like building blocks, this is just
2:32
Speaker 5: the first piece.
2:33
Speaker 6: You have to still get a few more pieces to
2:35
Speaker 6: make it a city action.
2:37
Speaker 3: And the people because you got to have at least
2:39
Speaker 3: two hundred residents, and so every little thing is strategic
2:43
Speaker 3: and even the politics of it all making sure that
2:46
Speaker 3: Wilkinson County knows that we're here to help uplift them,
2:49
Speaker 3: like we're here to add.
2:51
Speaker 4: Value to the county.
2:53
Speaker 3: If we can attract more people to the area, that
2:56
Speaker 3: means Tombsboro, Gorton, Ivy, all of those people doubling. They
3:01
Speaker 3: get to benefit from that economic development too of now
3:05
Speaker 3: having more people in the area. So there's so many
3:09
Speaker 3: different things. But technically, yes, you have to get a
3:12
Speaker 3: civil engineer. From the civil engineer, he's going to just
3:15
Speaker 3: do like, Okay, this is your roads, this is your setbacks,
3:18
Speaker 3: this is your stormwater runoff, this is your waste water management.
3:22
Speaker 3: A waste water management system state of the art can
3:25
Speaker 3: cost a million dollars.
3:27
Speaker 4: Then that's if you're doing it.
3:29
Speaker 3: Like top of the line and you're trying to be
3:30
Speaker 3: eco friendly, and that's our goal. Our goal is to
3:33
Speaker 3: build the best and so taking the time to research
3:36
Speaker 3: and find like, who is the best, who is the
3:38
Speaker 3: person that can create as a black person because sometimes
3:42
Speaker 3: I don't want to put it this way because I
3:44
Speaker 3: think we have enough talent to do everything ourselves, but
3:47
Speaker 3: sometimes the people who are most qualified might not be black.
3:50
Speaker 3: So then we have to look at, well, what does
3:52
Speaker 3: that look like when we have to go to an
3:53
Speaker 3: ally and say, hey, can you partner with this subcontractor
3:57
Speaker 3: or the sub vendor so that we can put some
3:59
Speaker 3: black people onto the project because y'all the only ones
4:03
Speaker 3: who can do it. Because that's all of the types
4:05
Speaker 3: of things that we're navigating. Even when we talk about
4:08
Speaker 3: we're gonna have to put homeowners insurance on every single
4:10
Speaker 3: house that we build in Freedom, we would love to
4:13
Speaker 3: be able to put a black homeowner's insurance. Be the writer,
4:17
Speaker 3: the person who writes the policy, not the person who
4:19
Speaker 3: writes the policy, but the actual insurance agency. We don't
4:22
Speaker 3: have a black owned insurance agency. We got Guico State
4:25
Speaker 3: Farm ain't no black ones. So that's the kind of
4:28
Speaker 3: stuff that we're always thinking about when it comes to
4:31
Speaker 3: this journey of building a community that meets all of
4:35
Speaker 3: our needs, and that is pro black and allows us
4:38
Speaker 3: to really support black businesses in that way, because that's
4:41
Speaker 3: what our goal is every step of the way. We
4:44
Speaker 3: want to put black businesses on and so looking at
4:47
Speaker 3: how do we do that, how do we hire the
4:49
Speaker 3: best civil engineer, the best city planner, Because after you
4:53
Speaker 3: hire the civil engineer, he lays out the roads.
4:55
Speaker 4: Now somebody's got a plan.
4:56
Speaker 3: Okay, the subdivision's gonna go here, This subdivision is going
4:59
Speaker 3: to go there. This is where the agricultural goes, this
5:03
Speaker 3: is where the industrial goes. And if we don't want
5:05
Speaker 3: to have polluted air, we might need to move industry
5:07
Speaker 3: way over here.
5:09
Speaker 4: If we need the you know, waste water management, and.
5:12
Speaker 3: How can we utilize permanent culture so that everything's regenerative,
5:16
Speaker 3: Like we having those kinds of conversations.
5:18
Speaker 2: So I feel this is like you know, Sims, this
5:20
Speaker 2: is that's why we.
5:24
Speaker 6: Exactly doathor Mike might used to kill that guy was
5:27
Speaker 6: my favorite. We used to catch them in the computer
5:29
Speaker 6: room in eighth grade.
5:29
Speaker 2: That was my favorite. That was my favorite. That fount
5:33
Speaker 2: but so and Sims. If anybody's familiar. Sims was a
5:35
Speaker 2: video game back in the days. It was a computer
5:37
Speaker 2: game where you can build your own city. So this
5:40
Speaker 2: sounds like it reminds me of sims So and your brain. All,
5:43
Speaker 2: I want to get all of your opinions on this.
5:46
Speaker 2: How do you envision your city looking like right now,
5:49
Speaker 2: it's just land, but in the perfect world if everything
5:52
Speaker 2: goes perfect, which never nothing ever goes perfect. But how
5:55
Speaker 2: what's your blueprint in your brain that you want a bank,
5:59
Speaker 2: you want a school, you want what do you?
6:01
Speaker 7: What do you? What are you envision in the community.
6:04
Speaker 3: But as I say, y'all hear it, and everybody's got
6:08
Speaker 3: a different vision. Like and when I think, because at
6:10
Speaker 3: the end of the day, I'm a relative, so I
6:11
Speaker 3: always kind of go back to the real estate. So
6:13
Speaker 3: I'm like, it's gonna be different subdivisions, some kinds because
6:16
Speaker 3: I don't never want to live nowhere where every house
6:18
Speaker 3: look the same, but some people like the uniformity of
6:21
Speaker 3: I want every house on my subdivision to look the same.
6:24
Speaker 3: And when I think about building freedom, I want people.
6:26
Speaker 4: To have choices. I think that's what freedom is genuinely about.
6:29
Speaker 3: So if we got the misers, that's like, look, I
6:32
Speaker 3: want a little subdivision where I can have my r V.
6:34
Speaker 4: We're gonna put them way in the back.
6:35
Speaker 3: You can what I mean, like I see having different communities,
6:40
Speaker 3: different vibes where we're not all on top of each other.
6:44
Speaker 3: Because it's rural and it's beautiful. We've got a lot
6:46
Speaker 3: of wildlife, lots of animals. We don't want to run
6:48
Speaker 3: them off. We want to be as eco friendly and
6:51
Speaker 3: as environmentally and naturally in harmony as we can because
6:55
Speaker 3: the land is just gorgeous, so like it won't be
6:58
Speaker 3: a whole bunch of sky scraper or none of that,
7:00
Speaker 3: because the rural beauty of this scenic landscape is the selling.
7:05
Speaker 5: Point real quick.
7:06
Speaker 6: Because I'm thinking, like even when you said the waste
7:09
Speaker 6: management piece of it, yes, eco friendly, But as you're
7:12
Speaker 6: building it, are you building it for the ninety seven
7:14
Speaker 6: acres first, or you're building it with the intent that, yo,
7:16
Speaker 6: we're going to acquire more land.
7:18
Speaker 5: Is that what we.
7:20
Speaker 4: Absolutely are doing it with the intent to acquire more land?
7:22
Speaker 5: Got you? Got you?
7:23
Speaker 6: And the other part was said, two hundred people have
7:26
Speaker 6: to live there? How many acres does it have to be?
7:29
Speaker 3: So technically, because we still ender the jurisdiction of Wilkinson
7:33
Speaker 3: Cam is it is.
7:34
Speaker 5: It a state mandate or is it a county mandate.
7:36
Speaker 3: It's a county mandate typically, but so we this is raw, right,
7:40
Speaker 3: so they don't have everybody out there in this area
7:43
Speaker 3: that they told us. We thought Tombsborough was the Bulldogs.
7:46
Speaker 3: They told us where we boughtland was the Bulldog.
7:48
Speaker 4: They were like, oh, you in the Bulldog. I was like, sir,
7:51
Speaker 4: you think.
7:52
Speaker 3: We So they're on well, they're on septic right now.
8:00
Speaker 3: County code means that anybody who builds there has to
8:02
Speaker 3: have at least an acre, a minimum of an acre
8:05
Speaker 3: to put your well in your septic tank on for your.
8:07
Speaker 5: Home, like a water well, a waterway, like you got
8:10
Speaker 5: a jail.
8:16
Speaker 4: Yeah, excuse me.
8:18
Speaker 3: So we do have, you know, awesome technology like I
8:22
Speaker 3: all everywhere I go, Like I shout out to Moses West.
8:25
Speaker 3: He has atmospheric water generation technology that literally separates the
8:31
Speaker 3: hydrogen and oxygen particles from the air to generate gallons,
8:37
Speaker 3: thousands of gallons a day. His technology is a piece
8:41
Speaker 3: of technology that they utilized in Puerto Rico to bring
8:45
Speaker 3: fresh water to Puerto Rico after the hurricane hit. So, like,
8:48
Speaker 3: we have black excellence all around us, and so being
8:52
Speaker 3: able to implement those kinds of technologies is what we
8:54
Speaker 3: want to do, we want That's why when I wrote
8:57
Speaker 3: my Black Blavity piece, my optat, I said, we can
9:01
Speaker 3: have what kind of like we really can, Like the
9:03
Speaker 3: sky is not even the limit. Like anything we can conceive,
9:07
Speaker 3: we can create, and there are so many people already
9:09
Speaker 3: out here doing it, doing.
9:11
Speaker 4: It dope, like doing some dope things.
9:13
Speaker 3: So being able to attract those kinds of resources and
9:16
Speaker 3: those kind of people has been the most exciting part
9:19
Speaker 3: about it, which is one of the reasons why we
9:21
Speaker 3: went public, because everybody always talk about you know, on
9:24
Speaker 3: conversations on social media, people.
9:26
Speaker 4: Talk too much. YA should have kept it to y'allself, And.
9:29
Speaker 3: I'm just like, but we would not have inspired a
9:33
Speaker 3: generation people all over the world. We wouldn't have been
9:36
Speaker 3: able to attract the resources people like, look, I will
9:39
Speaker 3: help you do this because they want to see this succeed.
9:43
Speaker 4: Because we had so many black cities that were burnt down.
9:48
Speaker 3: To completely destroyed for no reason other than white aggression
9:52
Speaker 3: and jealousy and misdirection.
9:56
Speaker 4: And so this is a.
9:58
Speaker 3: Chance for our our ancestors do something that can honor
10:02
Speaker 3: them because they were so talented, they had so many dreams,
10:05
Speaker 3: so many prayers, and to be the answer to those
10:08
Speaker 3: prayers is what this moment is about.
10:10
Speaker 6: So I'm gonna ask all three of you a question,
10:11
Speaker 6: and ask I've heard you speak about it before, but
10:14
Speaker 6: the importance and you use the word a safe haven
10:16
Speaker 6: for black families, what does that look like?
10:20
Speaker 5: And how does that come about?
10:22
Speaker 6: I guess all three of you can answer really right?
10:26
Speaker 8: Sure?
10:30
Speaker 7: All right?
10:30
Speaker 9: So, growing up, like I'm from New York too, and
10:33
Speaker 9: we used to have the pledge of allegiance. This is
10:36
Speaker 9: what I was saying on the zoom, but the zoom
10:38
Speaker 9: the audio went out, a little bit. Pledge of allegiance.
10:41
Speaker 9: You stand to your feet, you put your hand over
10:42
Speaker 9: your heart, turn to the flag. All right, I'm gonna
10:45
Speaker 9: spare you the words. But at the end it says
10:49
Speaker 9: liberty and justice for all, and that wasn't really reflected
10:54
Speaker 9: in my neighborhood. I was a little confused growing up,
10:56
Speaker 9: you know, like every day you brainwashing us to say this,
10:59
Speaker 9: but that's not what I'm seeing, you know what I mean?
11:01
Speaker 9: Where's the liberty and justice for all?
11:03
Speaker 5: The all part?
11:04
Speaker 2: You know?
11:05
Speaker 9: So I guess I started my path to just kind
11:08
Speaker 9: of go down and have it make sense for me. Eventually,
11:11
Speaker 9: you know, so networking that's how it became an entrepreneur.
11:13
Speaker 9: You know, it just didn't feel right, you know, going
11:17
Speaker 9: and making somebody else rich and you know, getting the
11:20
Speaker 9: peanuts and not really getting the respect that I needed,
11:23
Speaker 9: Like I'm running this company, you know, so just trying
11:27
Speaker 9: to make that make sense, you know. So I do
11:29
Speaker 9: that with my family, with my friends, with people I
11:31
Speaker 9: meet strangers, you know, because that's the change I want
11:34
Speaker 9: to see in the world. So I live that, you know.
11:37
Speaker 9: So that's what that looks like for me. People that
11:40
Speaker 9: have a vision that may not have the support that
11:43
Speaker 9: they may that they may need. You know, it's tough
11:45
Speaker 9: being an entrepreneur, I know, you know how many man,
11:50
Speaker 9: my mom still wants me to be a pilot to
11:51
Speaker 9: this day.
11:53
Speaker 7: To this day.
11:54
Speaker 9: Sorry Mom, it's not happy, you know. But but for
11:58
Speaker 9: those people who need that support, but that's all it takes.
12:00
Speaker 9: You know, you have a vision, you may not have
12:02
Speaker 9: the little components that you may need, but your neighbor
12:05
Speaker 9: might have it, your cousin's friend might have it. You know,
12:07
Speaker 9: somebody went to high school with might know somebody. You know,
12:10
Speaker 9: get that network together right and then you can achieve that,
12:14
Speaker 9: you know, but the key thing with that is getting
12:16
Speaker 9: the right mindset. So we don't want that kind of
12:19
Speaker 9: mindset in our land, in our world. You know, that
12:23
Speaker 9: mindset is everything, just everything.
12:25
Speaker 5: You know, if you.
12:26
Speaker 9: Think you can or you think you can't, probably right,
12:29
Speaker 9: oh right, you know what I'm saying. So you know
12:32
Speaker 9: I gotta think actually again for you know, we talk
12:35
Speaker 9: even before this, you know, offline about a lot of
12:37
Speaker 9: different entrepreneurial experiences and things that we wanted to do.
12:40
Speaker 9: But it's because of the mindset. I wouldn't have conversations
12:43
Speaker 9: I have with her, with you know, my neighbor who
12:46
Speaker 9: doesn't have the mindset for it. So that's the kind
12:49
Speaker 9: of people that we want to earners.
12:51
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Speaker 1: How can you find amazing candidates fast? Easy? Just use Indeed.
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15:40
Speaker 9: See that's the safe haven. When we say the safe haven,
15:43
Speaker 9: it's not only from police and things of that nature,
15:46
Speaker 9: but it's from all forms of oppression. Oppression is not
15:48
Speaker 9: just police, you know, that could be negative vibes from
15:52
Speaker 9: a spouse or from a loved one, or from your boss,
15:56
Speaker 9: or from your neighbor or your parents or from whoever. No,
15:59
Speaker 9: so a place where you can feel free to experience
16:01
Speaker 9: life and you don't have to worry about that kind
16:03
Speaker 9: of stuff and you can really focus on your dream
16:05
Speaker 9: and your mission, you know. So you know, I'm glad
16:07
Speaker 9: you brought that up because we're gonna be need a
16:09
Speaker 9: lot of help. So we're here to here today too,
16:12
Speaker 9: to reach out, you know, like you know, people of
16:14
Speaker 9: like minds. If this is something that speaks to your soul,
16:16
Speaker 9: speaks to your spirit, please reach out to us, you know,
16:18
Speaker 9: please reach out to us.
16:20
Speaker 10: Safe even for me, you know, it's similar to what
16:23
Speaker 10: you guys were saying as well. You know, I have
16:25
Speaker 10: I have an eight year old son and a nine
16:26
Speaker 10: year old nephew that stayed with me and everything, and it's.
16:28
Speaker 8: Like, you know, they get to go outside and not
16:30
Speaker 8: have to.
16:31
Speaker 10: Worry about microaggressions from you know, a neighbor who doesn't
16:34
Speaker 10: understand their culture, you know, riding down the street on
16:35
Speaker 10: their bike and he might be too close to the
16:37
Speaker 10: cars and now he's calling the police or throwing rocks
16:39
Speaker 10: something like that. You know, they can really just be free,
16:42
Speaker 10: like literally be free. You know, you go outside and
16:45
Speaker 10: you don't have to worry about where they're at, and
16:46
Speaker 10: you're gonna want to know, you know, just because but
16:48
Speaker 10: you don't have to worry about where they're like really
16:49
Speaker 10: worry because i'mund my dad was in the military.
16:51
Speaker 8: I used to leave the house at eight o'clock.
16:53
Speaker 10: In the morning and not show up until now, no
16:55
Speaker 10: one ever worried about where I was. I mean, my
16:57
Speaker 10: parents never showed the interesting, they showed the interest that
16:59
Speaker 10: they weren't work I know, they weren't worried, and so
17:02
Speaker 10: that's what the safe pavin is for me. Then also,
17:04
Speaker 10: this whole land, you know, this whole experience is not
17:06
Speaker 10: just a safe haven. It's more of like retribution, Like
17:09
Speaker 10: we're getting land back. We're taking land that was taking
17:11
Speaker 10: away from people in my family from years ago. Like
17:12
Speaker 10: I'm like, as this is becoming, you know, as I'm
17:15
Speaker 10: getting more involved with this, you know, I'm talking to
17:16
Speaker 10: my family members and knowing more because you know, I'm
17:18
Speaker 10: involved with this, and they're telling me stories of things
17:20
Speaker 10: that happened to them, you know, in the forties and
17:22
Speaker 10: the fifties have land was literally just taken from them,
17:24
Speaker 10: like like you know what, this is not yours anymore.
17:26
Speaker 8: I'm taking it. You can't do anything about it, you know.
17:28
Speaker 8: So I'm like, wow, I didn't even like I had
17:29
Speaker 8: no ideas even happen in my family. But now I'm
17:31
Speaker 8: learning about the history of my family and not just mine.
17:34
Speaker 10: It's so many people in the South who have land
17:36
Speaker 10: like literally taken from them, like just just because they
17:40
Speaker 10: were black, no other reason than that, just because you
17:41
Speaker 10: were black. I want this land, it's mine now. So
17:43
Speaker 10: all these like you know, especially in Concord, Georgia. You
17:46
Speaker 10: know it's owned by one family, but that one family
17:48
Speaker 10: literally was taking land away from black people. Like wow,
17:51
Speaker 10: Like my generation is a part of that. Like my cousin,
17:53
Speaker 10: one of my older cousins, Remember, he literally remembers the
17:55
Speaker 10: house burning down because they burned it down in order
17:57
Speaker 10: to get that land.
17:58
Speaker 5: That it was that serious. I had mean, I.
18:01
Speaker 10: Had no idea, you know what I'm saying. None of
18:03
Speaker 10: these conversations were had. That's because you know, they kind
18:05
Speaker 10: of wanted to get rid of those memories. And now
18:07
Speaker 10: This is kind of brought it back up. Like I
18:09
Speaker 10: told them, like, you know what, I'm gonna speak for
18:10
Speaker 10: you guys. I'm gonna make sure that you know people
18:12
Speaker 10: know your story and this land is for y'all too,
18:14
Speaker 10: So you can come up here and get some red
18:15
Speaker 10: dirt play wherever you want to do, you know.
18:17
Speaker 8: So that's that's that's what it means as well.
18:19
Speaker 6: Yeah, just going through that process discovering that and now, yes,
18:23
Speaker 6: that's crazy.
18:23
Speaker 5: That's amazing.
18:25
Speaker 2: Because this sounds like a very costy project as far
18:28
Speaker 2: as like you said, even the sewage systems like a
18:30
Speaker 2: million dollars.
18:31
Speaker 7: So can you get loans for this type.
18:33
Speaker 4: Of project or we can get loans?
18:36
Speaker 2: Just can you talk about like how does somebody get
18:40
Speaker 2: loan for something that's not built?
18:42
Speaker 7: Like, well, how does that work?
18:43
Speaker 4: Like? Yeah, So, I.
18:44
Speaker 3: Mean, first of all, we're in rural lands, so we
18:46
Speaker 3: get us DA opportunities for our agricultural USDA loans.
18:51
Speaker 7: We haven't talked about that yet, but that's something that
18:52
Speaker 7: people should be very.
18:53
Speaker 3: Very aware, especially if you're talking about building a house
18:57
Speaker 3: in the rural area that's a zero down payment.
19:01
Speaker 7: Can you talk about that? Yeah?
19:05
Speaker 3: So the United States Department of Agriculture pretty much guarantees.
19:09
Speaker 4: That you go through a bank.
19:12
Speaker 3: When your traditional bank you let them know that I'm
19:15
Speaker 3: purchasing in this area.
19:16
Speaker 4: It's similar to like even a VA loan.
19:18
Speaker 3: You qualify for a VA loan by being a honorably
19:21
Speaker 3: discharged veteran or you could be still in the armed forces.
19:26
Speaker 3: But it's a zero down loan, and our federal government
19:28
Speaker 3: backs those loans, so if you didn't pay it, they
19:32
Speaker 3: would be responsible for it. So the threshold for requirements
19:39
Speaker 3: are a little lower than traditional conventional loans. So that's
19:43
Speaker 3: why you're able to get that loan at zero down
19:46
Speaker 3: versus having to put your twenty percent down because the
19:49
Speaker 3: government backs it. You go through a regular bank, you
19:51
Speaker 3: can go through a land bank or what's known as
19:54
Speaker 3: an agricultural bank a credit union, and you just say, hey,
19:57
Speaker 3: I want to purchase this land in this rural area.
20:00
Speaker 3: It does have to qualify based on the zip code
20:02
Speaker 3: it's in, but if it does meet those qualifications and
20:06
Speaker 3: you meet certain qualifications, then you'll be able to purchase
20:10
Speaker 3: it through their zero down program.
20:11
Speaker 2: So so you got the USDA loans and any other
20:15
Speaker 2: type of like regular banks, they can their loan money
20:18
Speaker 2: as well.
20:19
Speaker 3: Yeah, absolutely, and so the key is to have a
20:22
Speaker 3: good credit score.
20:23
Speaker 4: Make sure the people.
20:24
Speaker 3: If you're talking about getting a loan for your business,
20:27
Speaker 3: everybody in the business needs to also have good credit.
20:31
Speaker 4: So credit is essential.
20:32
Speaker 3: It's the essential thing in this game is making sure
20:35
Speaker 3: that credit score. Everybody should be shooting for at least
20:38
Speaker 3: a seven hundred. I would love to see eight hundreds.
20:41
Speaker 3: But the reality is the thing that keeps a lot
20:43
Speaker 3: of people from progressing in life is the ability to
20:46
Speaker 3: leverage credit. And the way that you leverage credit is
20:49
Speaker 3: by having that credit score, and you have to show
20:51
Speaker 3: those income streams. You need to be able to show
20:53
Speaker 3: that you have cash flow and revenue streams coming in
20:56
Speaker 3: so that you can get as much credit as you
20:58
Speaker 3: possibly can. So right now we're at that place because
21:02
Speaker 3: we're a brand new business. It's hard for us to
21:04
Speaker 3: get traditional credit right now without having assets and to
21:08
Speaker 3: show that we got income streams. We don't have income
21:10
Speaker 3: streams yet because we're building a town, so we have
21:14
Speaker 3: to take the route of working with a hard money lender,
21:17
Speaker 3: and that's private money that has a little less stringent underwriting.
21:20
Speaker 4: So there's a million ways to skin a cat.
21:23
Speaker 3: The most important thing is to make sure that your
21:25
Speaker 3: credit score is as high as it possibly can be.
21:28
Speaker 4: And so that leads me to.
21:31
Speaker 3: I'm a brand ambassador for a black owned, not black
21:34
Speaker 3: managed credit and business financing and funding company called novay Money,
21:41
Speaker 3: and so that organization actually helps people to increase their
21:45
Speaker 3: credit score, helps them to establish business credit and access funding.
21:50
Speaker 3: Because that's what we need to actually be able to
21:53
Speaker 3: build our businesses, is that good credit and that access
21:57
Speaker 3: to capital. And since venture capital lists traditionally are still
22:01
Speaker 3: not funding black businesses, all of.
22:07
Speaker 4: The research is dismal.
22:09
Speaker 3: Even now, even after all these people came out and
22:11
Speaker 3: said black lives Matter, we ready to support y'all, nothing
22:15
Speaker 3: has changed in the venture capitalist space. So we have
22:19
Speaker 3: to have this ability to access money through our black
22:22
Speaker 3: banks like Unity Bank, like Citizens Trust Bank, one United Bank,
22:28
Speaker 3: having those relationships Unity Bank and that credit score because
22:34
Speaker 3: they can only do so much like you can't go
22:36
Speaker 3: to the bank without no income streams and without and
22:39
Speaker 3: with poor credit. So it's up to us to make
22:42
Speaker 3: sure that we're educated, we're financially educated, that we understand
22:46
Speaker 3: the entire credit pie because the reality is you could
22:50
Speaker 3: have missed a few payments that's not the only way
22:52
Speaker 3: to increase your credit score.
22:53
Speaker 4: You can increase your credit score by opening additional lines
22:56
Speaker 4: of credit.
22:57
Speaker 3: You can increase your credit score by making sure your
22:59
Speaker 3: oldest line of credit doesn't close, that you keep that
23:03
Speaker 3: open forever in your history. Like, there's these pieces to
23:07
Speaker 3: the pie that we have to become more educated about.
23:10
Speaker 4: And when we are able, for every eight hundred creates
23:14
Speaker 4: one hundred thousand of leverage.
23:16
Speaker 6: So when you and shout Renee, because Renee's been emailing
23:18
Speaker 6: you back and forth, shout to her when you were
23:20
Speaker 6: in the quote unquote drafting, is that some of the
23:22
Speaker 6: criteria You're like, listen, guys, if you want to be
23:25
Speaker 6: part of this, this is no.
23:27
Speaker 4: I wasn't. That was after the day and that now
23:32
Speaker 4: we have to contend with.
23:34
Speaker 3: Yeah, I'm a real estate agent. I'm like, look, we
23:37
Speaker 3: just gonna get this land. Like I was, like, who
23:41
Speaker 3: got this check? And so everybody came up with the
23:43
Speaker 3: red board our land. Like so no, in that case, No,
23:47
Speaker 3: we do have We do have some people in our
23:50
Speaker 3: are collective as exceptional credit. We have some people who
23:53
Speaker 3: have challenge credit.
23:54
Speaker 11: I have.
23:54
Speaker 3: I'm just now getting to the place where I'm not
23:57
Speaker 3: so challenged, you know, like it's a journey and we
24:00
Speaker 3: have to just be honest and have these kinds of
24:02
Speaker 3: conversations because it's not impossible. You just have to have
24:05
Speaker 3: the right education and right partners and accountability partners are everything.
24:10
Speaker 4: People like Kevin when he started talking about his Cris
24:12
Speaker 4: gub like get my game.
24:16
Speaker 3: Make sure I got my little self together. I'm like,
24:19
Speaker 3: I want to be able to go get my r
24:20
Speaker 3: V too. So those are the conversations that you have
24:24
Speaker 3: with you know, like we keep saying, like minded individuals,
24:28
Speaker 3: we go further faster together.
24:29
Speaker 4: That credit is everything.
24:30
Speaker 6: Yeah, and I think it's dope because you're growing together.
24:34
Speaker 6: But you're also educating each other. Right, so you didn't
24:36
Speaker 6: come in with that education, but now everybody's on the
24:39
Speaker 6: same plan and everybody's educating each other.
24:41
Speaker 5: I want to go back to the land because I
24:45
Speaker 5: heard it.
24:45
Speaker 6: I read the first thing that you guys are doing
24:47
Speaker 6: is building out the agriculture and the farming.
24:49
Speaker 5: You talk about why that's so important.
24:51
Speaker 3: Yeah, I mean food is everything. Like we watch enough
24:54
Speaker 3: Walking Dead, Stop playing with me, y'all. We watch enough
24:59
Speaker 3: Walking and enough of these Hollywood shows to know when
25:02
Speaker 3: it all goes down and it's fee out money start crashing.
25:07
Speaker 4: What we're gonna need to eat and some water.
25:10
Speaker 3: So that's why farming comes first around here. Now, granted,
25:15
Speaker 3: we've been doing more events first because that's just a
25:17
Speaker 3: revenue stream that's quick and easy. Camp out events we
25:21
Speaker 3: got dope musicians and our collective. My husband's a musician,
25:25
Speaker 3: our friend Q is a dope song stress, my pastor
25:28
Speaker 3: and first Lady, our dope our ministry and worship leaders.
25:34
Speaker 3: So we have dope events like our jam sessions be lit.
25:37
Speaker 3: So the events are one of the first things that
25:39
Speaker 3: we've been doing because that's like the lowest cost barrier
25:44
Speaker 3: that we can start generating revenue from because you just.
25:47
Speaker 6: Need the land, right and so is that what the
25:49
Speaker 6: Big Black Hut.
25:51
Speaker 4: There banks been coming to the Big Black.
25:55
Speaker 6: Camp Out because I might go camping, you get some
25:59
Speaker 6: people camping.
26:00
Speaker 4: There's a lot of people can people came from all over.
26:01
Speaker 5: The cries tell everybody what it is.
26:04
Speaker 3: So the Big Black camp Out is our annual event
26:07
Speaker 3: where we are encouraging black families to get outdoors. We
26:10
Speaker 3: hashtag diversify Outdoors because there's an entire black camping culture
26:16
Speaker 3: like shout out the Melanated Camp, Black Urban Camp Weekend.
26:21
Speaker 4: It's so many black girls camp like this.
26:23
Speaker 3: We we be outside, we be doing stuff like I
26:27
Speaker 3: don't know, everybody trying to act like we're not out
26:30
Speaker 3: here getting this fresh air and living our best life
26:33
Speaker 3: in nature and outdoors because we do. And so we
26:35
Speaker 3: had really cool people outdoors men, sportsmen and just regular
26:40
Speaker 3: folk who had never been camping before, who would have
26:43
Speaker 3: never went camping if it wasn't a group event because.
26:45
Speaker 4: It's like, you know, like I'm not going out there with.
26:48
Speaker 11: No bears and doors.
26:53
Speaker 7: We literally got.
26:54
Speaker 3: Wild turkey, wild boar, wild, and you know, but jumping
27:00
Speaker 3: together collectively.
27:01
Speaker 4: It was so dope.
27:02
Speaker 3: People really enjoyed it and people bought their RVs like
27:07
Speaker 3: it was so fun. And we had music, we had
27:10
Speaker 3: live performances, we had the vendors out. We really just
27:14
Speaker 3: enjoyed ourselves and we're gonna do it every year.
27:16
Speaker 4: It's going to just get bigger.
27:17
Speaker 8: And people were they literally slipped outside on the ground.
27:21
Speaker 7: Where was it? Where was he?
27:24
Speaker 4: Labor day?
27:24
Speaker 5: We were talking like campfire and.
27:28
Speaker 7: That was that was a fundraiser to have the fund.
27:31
Speaker 11: An illegal alien from Guatemala charged with raping a child
27:35
Speaker 11: in Massachusetts. An MS thirteen gang member from El Salvador
27:39
Speaker 11: accused of murdering a Texas man of Venezuelan charged with
27:43
Speaker 11: filming and selling child pornography in Michigan. These are just
27:47
Speaker 11: some of the heinous migrant criminals caught because of President
27:51
Speaker 11: Donald J. Trump's leadership. I'm Christineoman, the United States Secretary
27:55
Speaker 11: of Homeland Security. Under President Trump, attempted illegal border cross
28:00
Speaker 11: are at the lowest levels ever recorded, and over one
28:03
Speaker 11: hundred thousand illegal aliens have been arrested. If you are
28:06
Speaker 11: here illegally, your next you will be fine nearly one
28:10
Speaker 11: thousand dollars a day, imprisoned, and deported. You will never return.
28:15
Speaker 11: But if you register using our CBP home app and
28:18
Speaker 11: leave now, you could be allowed to return legally. Do
28:22
Speaker 11: what's right. Leave now. Under President Trump, America's laws, border
28:27
Speaker 11: and families will be protected.
28:29
Speaker 5: Sponsored by the United States Department of Homeland Security,