Latest / The Steve Harvey Morning Show / Rhonesha Howerton Full Interview

Transcript

Rhonesha Howerton Full Interview · The Steve Harvey Morning Show

0:01
Speaker 1: Hi, Welcome to Money Making Conversation. I am your host,
0:04
Speaker 1: Rashan McDonald. I recognized that we all have different definitions
0:08
Speaker 1: of success. For some exercisable paycheck. Mine is helping people
0:12
Speaker 1: wake up and inspiring them to accomplish their goals and
0:14
Speaker 1: live their very best life. That's it. These are my
0:17
Speaker 1: passions and that's what I'm going to do for you
0:19
Speaker 1: when you listen to the interviews that I bring on
0:21
Speaker 1: my show, Money Making Conversations, I want you to stop
0:24
Speaker 1: tripping over small challenges really and prepared to rise above
0:27
Speaker 1: the bigger obstacles that life will present to you that
0:30
Speaker 1: you know nothing about. So if you're always sitting around
0:32
Speaker 1: worried about the little things, the big scenes would really
0:35
Speaker 1: really be the things that you have not prepared to
0:37
Speaker 1: deliver or overcome. And we're all gonna have over moments
0:41
Speaker 1: of what we have to overcome something that we didn't
0:43
Speaker 1: prepare for it. So Money Making Conversations about that. My
0:46
Speaker 1: next guest, Ronicia Howardton, were several hats in the entrepreneur
0:50
Speaker 1: lifestyle space. She currently serves as owner and CEO of
0:54
Speaker 1: Critic Medics LLC. She's co founder or Go Get Crown
0:58
Speaker 1: nonprofit organization for women empowerment and co owner of get
1:02
Speaker 1: Well Urgent Care Medical Facility. Come from a poverty strick
1:06
Speaker 1: in neighborhood and have an escaped the statistics. Howardton has
1:09
Speaker 1: found her purpose and passion which is encouraging others and
1:12
Speaker 1: helping them to reach their fullest potential and cheering them
1:15
Speaker 1: on to the finish line. Please walking to Money Making Conversation,
1:19
Speaker 1: Ransha Howardtons, good morning, good morning, thank you, thank you,
1:25
Speaker 1: thank you so much. Well. First of all, you know
1:27
Speaker 1: when I when I hear the word thank you for
1:28
Speaker 1: coming on the show Money Making Conversation. Uh. I appreciate
1:31
Speaker 1: all guests who will take the time to deliver nuggets
1:34
Speaker 1: or inspirational information or define information that you can use
1:39
Speaker 1: to make themselves successful. Because I have women dominate my
1:42
Speaker 1: listenership by sixty percent of my audience. Women. Uh. Eighty
1:45
Speaker 1: percent of my audience is under the age of forty four,
1:48
Speaker 1: and so that means that they have an entrepreneurial mindset
1:52
Speaker 1: and they want to They wanted information that will help
1:54
Speaker 1: them win. Why did you look? I mentioned three organizations
1:58
Speaker 1: in your credit Let's start out credit Medics and in
2:02
Speaker 1: the middle of pandemic and financial Uh, the average person
2:07
Speaker 1: financial situation isn't disarrayed. Does credit medics help them or
2:12
Speaker 1: can be a role to play they try to get
2:15
Speaker 1: them through this. Uh, these difficult times well exsolutely before
2:20
Speaker 1: the pandemic we have, we have really changed thousands and
2:24
Speaker 1: thousands of our clients lives by just educating them or
2:28
Speaker 1: financial literacy. You'll be surprised, you know, I come from
2:32
Speaker 1: you know, an urban community, and you'd be surprised how
2:36
Speaker 1: many of us are never taught about credit. America is
2:39
Speaker 1: laying on credit and at these times, you you literally
2:43
Speaker 1: can use credit to survive. You know, if you got
2:46
Speaker 1: laid off, if you know they cut back in your hours,
2:50
Speaker 1: there are lines of credit that you would have access
2:52
Speaker 1: to if you were able to qualify for these lines
2:56
Speaker 1: of credit. You could use these lines of credit to
2:58
Speaker 1: survive until your income picks steck up and debates have
3:03
Speaker 1: given me personally, on my on my personal line, I
3:06
Speaker 1: have twenty five dollars um as the next on my
3:10
Speaker 1: line personally, and I have a few of those. So
3:13
Speaker 1: if I was to follow on hard times, that could
3:15
Speaker 1: carry me until I can figure it out, until I
3:17
Speaker 1: create could create another strainline at income or just to
3:20
Speaker 1: be able to survive. So credit is super duper important
3:24
Speaker 1: to be able to leverage, to be able to leverage,
3:27
Speaker 1: not just even during these times, you know, to be
3:30
Speaker 1: able to leverage to create generational wealth for you and
3:33
Speaker 1: your children. So it's very important and credit metics has
3:36
Speaker 1: assisted thousands and thousands of clients. I'm talking about home ownership,
3:40
Speaker 1: I'm talking about personal credit. I'm talking about business credit.
3:43
Speaker 1: I'm talking about establishing new businesses. I'm talking about expansion.
3:47
Speaker 1: All of that we know. Thank you for the energy
3:50
Speaker 1: and thank you for the points um about credit and
3:53
Speaker 1: about your credit score? When need credit? When did that?
3:56
Speaker 1: When I in your bio? Can you when when I
3:59
Speaker 1: when I read the statement poverty stricken neighborhood, what is that?
4:03
Speaker 1: What is that type of environment? And how long did
4:05
Speaker 1: you live in that? And how did that motivate you
4:08
Speaker 1: to who you are today that's coming in and being
4:11
Speaker 1: raised in that type of environment. So honestly, when I
4:15
Speaker 1: say poverty stricken, I was raising what we were called
4:18
Speaker 1: the hood. You know a lot of inner city urban
4:21
Speaker 1: communities are you know, called the hood. We're living in poverty,
4:23
Speaker 1: very low income, you know, lack of education, a lot
4:27
Speaker 1: of the things that I have seen I should not
4:29
Speaker 1: have seen as a child. But I never used that
4:31
Speaker 1: as a crutch. I never used that as um a
4:35
Speaker 1: source of discouragement for me. I used that as encouragement
4:38
Speaker 1: for me. I used that as an example of I
4:40
Speaker 1: did not want to be like that, and I knew
4:43
Speaker 1: as a child, um. The fortunate part of my childhood
4:46
Speaker 1: was I was able to travel a lot and my
4:51
Speaker 1: my dad who raised me, because I was raising a
4:53
Speaker 1: single parent. How I'm told and usually you hear, you know,
4:56
Speaker 1: the mother was the single mind, but it was my dad,
4:59
Speaker 1: and we didn't have a lot of money. But my
5:01
Speaker 1: dad saw the importance of connecting us with people who
5:05
Speaker 1: could offer resources that he could not, So we traveled
5:08
Speaker 1: a lot, and me being able to travel outside of
5:11
Speaker 1: that environment, I was able to see that, hey, life
5:14
Speaker 1: is bigger than this. Life is bigger than living in
5:17
Speaker 1: poverty and being content with being poor and not being
5:20
Speaker 1: able to have access the resources and not being able
5:23
Speaker 1: to live a great life. Growing up. Excuse my friend,
5:27
Speaker 1: I saw a lot of rich white people on TV.
5:30
Speaker 1: But when I begin to travel, I saw that white
5:32
Speaker 1: people weren't the only people that were able to be successful.
5:36
Speaker 1: Black people could be too, So that for me was
5:39
Speaker 1: an eye opener, and that for me challenged me to
5:42
Speaker 1: think bigger. You know, um, first of all, what you're
5:46
Speaker 1: sending absolutely correct is about getting out and seeing a
5:50
Speaker 1: bigger world because when you re reports and I I've
5:53
Speaker 1: been able to do a lot of social work and
5:55
Speaker 1: a lot of environmental My minor is in sociology, and
5:59
Speaker 1: uh lot of black people within the inner city. I
6:01
Speaker 1: grew up in inner city fear forard if it's just
6:03
Speaker 1: used in Texas, so I know exactly when you say
6:05
Speaker 1: the hood. I was born and raised in the hood.
6:08
Speaker 1: Fear forward, and so and so are the average Black
6:11
Speaker 1: person who lives in the environment don't really get out
6:14
Speaker 1: of that environment. In fact, they live, they and they
6:18
Speaker 1: work or if they want to call it work, and
6:20
Speaker 1: they can die in that community and never know there's
6:22
Speaker 1: a downtown, never know there are other layers of life
6:25
Speaker 1: outside their movie theaters. They can go to their restaurants,
6:28
Speaker 1: they can they can participate in a fine dining and
6:31
Speaker 1: all these things because of the fact they've never been
6:33
Speaker 1: exposed to that. And I really, I really like when
6:36
Speaker 1: you said that because a lot of people they take
6:38
Speaker 1: that for granted, who have been exposed. They think that's normal,
6:41
Speaker 1: and it's not normal in the inner city. It's not
6:43
Speaker 1: normally at all. Right, That exposure is so important, you know,
6:49
Speaker 1: because you're only going to go as far as you
6:51
Speaker 1: think you can go or see yourself going. So when
6:54
Speaker 1: you see other people. That's why a lot of people,
6:57
Speaker 1: you know, speak down about social media. But one of
6:59
Speaker 1: the things I like about it is it gives us,
7:01
Speaker 1: gives us a lot of access to see a lot
7:03
Speaker 1: of young black people when right believable and it's believable.
7:09
Speaker 1: So if you look like me and I and I
7:11
Speaker 1: looked like you, and you're saying, hey, I came from
7:13
Speaker 1: the hood, and I see you doing really well. You're
7:15
Speaker 1: running your successful break on business, and you're you're living
7:18
Speaker 1: a beautiful home and your children, you're raising your children,
7:21
Speaker 1: you know more with moral world by use and you
7:24
Speaker 1: know to be good, upstanding citizens. And I see driving
7:26
Speaker 1: nice cards and you're traveling the world. That will be
7:29
Speaker 1: inspiring to me, and most importantly, it would make me
7:32
Speaker 1: realize that I can obtain that too. And that is
7:35
Speaker 1: so true. I always tell people I love having an
7:38
Speaker 1: individual like you who talk about credit. And I tell
7:41
Speaker 1: people now, when I was eighteen years old, Ms. Howardton.
7:45
Speaker 1: For some reason, I understood I had to have good credit.
7:49
Speaker 1: I was I wanted to protect my credit. I wanted credit.
7:51
Speaker 1: When somebody told me the credit establishes you a better
7:55
Speaker 1: life for you, I knew that. Okay, I'm gonna get
7:57
Speaker 1: good credit. I got. I got my Mark that closed,
8:01
Speaker 1: and I had my Mortgomery Rewards card back then, my
8:03
Speaker 1: Serious card back then. Then I finally upgrade and got
8:07
Speaker 1: my my American Spressed Green card. I would this, I
8:14
Speaker 1: would think this. That Serious card back in the day
8:17
Speaker 1: was bigger than the Americans Spress back in the day.
8:20
Speaker 1: Because you got your serious car, you were you were
8:23
Speaker 1: the bar right there. So when I got that Serious card,
8:25
Speaker 1: I knew my credit was headed in the right direction.
8:27
Speaker 1: What age were you when you realize the importance of credit,
8:32
Speaker 1: you you want to hear something funny. So I told you.
8:34
Speaker 1: I was raised by my dad. My dad was horrible
8:38
Speaker 1: with bills, horrible. I don't remember coming home. Let's just
8:41
Speaker 1: cut off. I'm like, dad, wait minute, I flicked the sweat.
8:44
Speaker 1: Now we ain't got no electric come here. But it
8:46
Speaker 1: was because he just wasn't um, He wasn't conscious of
8:50
Speaker 1: just making payments for a time, and it was sometimes
8:53
Speaker 1: we didn't have it, and you know, he did what
8:56
Speaker 1: he had to do to make it work. But then
8:57
Speaker 1: it was times when he did have it and he
8:59
Speaker 1: just would forget it. So I didn't learn that from
9:02
Speaker 1: my dad. I remember when I turned eight team and
9:05
Speaker 1: a lot of we were graduating high school and a
9:08
Speaker 1: lot of my friends were going to get store cards
9:10
Speaker 1: because they were so easy to get. So they were
9:12
Speaker 1: getting like structure and Dad and um expressing all these cards,
9:17
Speaker 1: and I remember us going shopping and them just you melt,
9:20
Speaker 1: maxing the card out, and I would be very, very
9:23
Speaker 1: very conscious, like, oh no, I don't want to get
9:25
Speaker 1: too much because I don't wanna I don't want to
9:27
Speaker 1: not be able to afford the payments. So I was
9:30
Speaker 1: already thinking like that. I don't know where it came from,
9:33
Speaker 1: but I was already responsible was my finances at eight Team.
9:37
Speaker 1: So now when my friends those accounts want into collection status,
9:41
Speaker 1: I continue to build. And I continued to build, and
9:45
Speaker 1: at the age of twenty one, my dad gifted me
9:48
Speaker 1: a duplex. So I had a duplex at twenty one
9:51
Speaker 1: where I lived in one unit, and then I've rented
9:53
Speaker 1: the other unit out, and then when I moved from there,
9:56
Speaker 1: both units were rented out and it became a source
9:59
Speaker 1: of income for me. But I always looked at finances
10:02
Speaker 1: and money and credit differently, and it wasn't even I
10:05
Speaker 1: guess that just what self taught. It was so important
10:09
Speaker 1: to get that at that age, it really was. I'm
10:11
Speaker 1: talking to Rhodesia Howardton. She's the owner and founder of
10:15
Speaker 1: Credit Medics, LLC, which is a leading national credit and
10:18
Speaker 1: business count consulting firm located in Philadelphia, p A. This
10:22
Speaker 1: is one of two comp three companies I'm gonna talk
10:25
Speaker 1: to her about. But I wanted to expand on this
10:27
Speaker 1: because we, like she said, she was doing this before
10:29
Speaker 1: the pandemic, and it wasn't something that she just started
10:32
Speaker 1: last week. And she's been changing lives and improving credit
10:35
Speaker 1: scores and making people understand the value of credit and
10:38
Speaker 1: why credit is so important to you. But we are
10:40
Speaker 1: in the middle of the pandemic and people's credit scores
10:43
Speaker 1: are being damaged, and like you said, your dad he
10:45
Speaker 1: didn't understand the value what that meant to his credit score,
10:49
Speaker 1: but it didn't stop him from being successful. It made
10:51
Speaker 1: me just a little bit more harder. How serious should
10:53
Speaker 1: you take your credit scores? You should take your credit
10:57
Speaker 1: score is very serious. Any um credit or any line
11:01
Speaker 1: of credit that you are trying to apply for to
11:04
Speaker 1: get an approval, they are going to review your credit scores.
11:09
Speaker 1: They're going to inquire about you, which is what we
11:12
Speaker 1: call an inquiry. So anytime you apply for a line
11:15
Speaker 1: of credit, whatever that whoever that creditor is, they are
11:18
Speaker 1: going to inquire about you. What you need to understand,
11:21
Speaker 1: and it's simplest form is your credit scores and your
11:25
Speaker 1: credit report is your financial portfolio. So that is either
11:29
Speaker 1: gonna tell a creditor creditor one that you are credit
11:32
Speaker 1: worthy and trustworthy enough for me to go ahead and
11:35
Speaker 1: lend you this credit based off of your existing payment history.
11:39
Speaker 1: So if you already have debt, and what do we
11:41
Speaker 1: call debt your card now, okay, if you have a cardinal,
11:44
Speaker 1: you have student loans, debt, if you have a mortgage, um,
11:47
Speaker 1: if you have personal loans, whatever the case may be.
11:49
Speaker 1: If you have credit cards, if you are currently late
11:52
Speaker 1: on your existing debt, and a creditor goes to pull
11:56
Speaker 1: your credit and they see that, why would they want
11:59
Speaker 1: to lend you new that they will not. So it's
12:01
Speaker 1: so important because that's going to determine if you get
12:04
Speaker 1: approved in that based off of your existing payment history.
12:08
Speaker 1: And the other thing would be your credit utilization, which
12:11
Speaker 1: pertains to revolving credit. So you know you mentioned early
12:14
Speaker 1: Seers series cards, so Scarce card would would be considered
12:18
Speaker 1: as a revolving credit card. As a retail card go
12:21
Speaker 1: On Dells may seez wal Mart Target, those are considered
12:25
Speaker 1: as revolving retail store cards. And then you have your
12:28
Speaker 1: major credit cards American Expressed master Card, Visa Discover, which
12:31
Speaker 1: is another form of revolving credit. You don't want to
12:36
Speaker 1: have large balances on these credit cards. You should only
12:40
Speaker 1: be using thirty percent at max of your credit list.
12:45
Speaker 1: When you see that, you're going to see a drastic
12:48
Speaker 1: decline in your scores. So that's another thing that lenders
12:52
Speaker 1: look at to determine if they feel like they can
12:54
Speaker 1: trust you. So just imagine if you have a friend, Okay,
12:58
Speaker 1: well let's say Russian, I said that correctly, Shine, Ra Shane,
13:04
Speaker 1: Ra Shane. If you lent me money, right you say, okay,
13:07
Speaker 1: I come to you say, or Shane, can I borrow
13:09
Speaker 1: you know, a hundred dollars until next month and I'm
13:11
Speaker 1: gonna pay you back, And you say, you know what ronis,
13:13
Speaker 1: You're shure I'm gonna give it to you. So then
13:15
Speaker 1: I borrow the money from you. Next month comes, you
13:17
Speaker 1: don't hear from me, right, So then another month go,
13:20
Speaker 1: you don't hear from me. So now you start to
13:22
Speaker 1: get word. You say, listen out of gay right needs
13:24
Speaker 1: your money off a good faith and she's supposed to
13:27
Speaker 1: She's supposed to give me my money back. So now
13:30
Speaker 1: our our friends showing who is also you know, a
13:33
Speaker 1: mutual friend. I go to him and I say, showing Sun,
13:36
Speaker 1: I borrow a hundred dollars till next month. And Shan
13:39
Speaker 1: is like, you know what, I remember Rashan telling me
13:42
Speaker 1: that ra needsh you brow money. Let me go ask him.
13:44
Speaker 1: And Sean comes to ask you, Hey, ro need shall
13:46
Speaker 1: to tell you many? You say, man, don't you learn
13:48
Speaker 1: round needs you no money? I gotta wait three months.
13:50
Speaker 1: I ain't gotta dime yet. So that's the same way
13:53
Speaker 1: that a lender looks at your payment habit and your
13:57
Speaker 1: utilization habit to determine if they're were likely to get
14:01
Speaker 1: paid back or less likely. You know, I I love
14:03
Speaker 1: it because that is a straight street talk right there,
14:06
Speaker 1: that street talk one on one, that street talk one
14:08
Speaker 1: on one right there. You know, you know, and don't
14:11
Speaker 1: and don't show up and don't show up, and she
14:14
Speaker 1: got some new shoes on. Don't show up. Some seafood,
14:25
Speaker 1: eat some seafood. That man come, yeah, you know you
14:33
Speaker 1: got some strip on your plate, you know, a polar strip,
14:36
Speaker 1: and you owe me a hundred dollars. Don't do that
14:38
Speaker 1: to me because I love that you would. I wouldn't
14:41
Speaker 1: love that you were natural. That's what you're so successful,
14:43
Speaker 1: because sometimes you got to talk to people in the
14:44
Speaker 1: natural form so they can understand what you have to speak.
14:48
Speaker 1: And that's what I do. I speak the language of
14:52
Speaker 1: my people, yes, and break it down as simple as
14:54
Speaker 1: I can. Well, okay now everything no, not right now.
14:58
Speaker 1: Our people they're struggling and doing this pandemic. And then
15:01
Speaker 1: you know the credit scores being damaged, and we we
15:05
Speaker 1: all know when you hear that word thirty percent. And
15:07
Speaker 1: sometimes I suggest people take a cash advance and you
15:10
Speaker 1: part of that cancer advance to make your miniment monthly
15:13
Speaker 1: payments so your cred score don't go messed up. I
15:16
Speaker 1: tell you put yourself on automatic payment on the minimum
15:19
Speaker 1: of my mouth. Okay, and that way you you part
15:22
Speaker 1: of that advantage that you took, said it aside. So
15:25
Speaker 1: you make those minimum month payments during this pandemic. Run
15:28
Speaker 1: that with your credit scores like you you agree with you,
15:31
Speaker 1: you cannot allow your credit score to get damaged. It
15:34
Speaker 1: get damaged. You just you just defaulted into a worse
15:37
Speaker 1: situation for yourself. But how can these people survive? And
15:41
Speaker 1: when I say this, people of color, minorities, you know,
15:45
Speaker 1: people who are already struggling. And you know, the first
15:48
Speaker 1: of all, they gave us the twel hunt and all
15:49
Speaker 1: stimulus check, and then they gave us a six dollar
15:51
Speaker 1: weekly checked that into July thirty one. And now that
15:55
Speaker 1: they told us that the CDC can suspend evictions. But
15:59
Speaker 1: then at the end of the year, you owe that
16:01
Speaker 1: money for the wrench you didn't pay. How can we
16:03
Speaker 1: get around you? Imagine getting caught up after you already
16:08
Speaker 1: behind and you don't have no one come now, how
16:11
Speaker 1: crazy is that? You know, I agree with what you said.
16:15
Speaker 1: You know that cash it is. But once again that
16:16
Speaker 1: goes back to see, here's the thing I tell people
16:20
Speaker 1: to already be prepared. One of the things that I
16:24
Speaker 1: have been blessed and fortunate to do is to always
16:28
Speaker 1: stay prepared financially, because even when things are good, I
16:31
Speaker 1: still don't go crazy. I have very great discipline with
16:35
Speaker 1: my finances. So although I would be you know what
16:38
Speaker 1: you would call I'm successful and I have money, I
16:42
Speaker 1: still don't spend like I have money. I don't. And
16:46
Speaker 1: I'm realizing that as I begin to hang around people
16:49
Speaker 1: who are who have their finances, their finances are stable,
16:52
Speaker 1: I'm realizing that a lot of them don't make unnecessary purchases.
16:57
Speaker 1: So you have to be prepared. But now we're in
16:58
Speaker 1: a situation so a lot of people, and I know
17:02
Speaker 1: some of my associates, they have taken that twelve and
17:05
Speaker 1: just blew it. They have taken the unepoyment checked and
17:08
Speaker 1: I've known, I know people who have gotten ten thousand
17:10
Speaker 1: dollars and twenty dollars and I'm like, you got that much,
17:13
Speaker 1: I'm like, what are you gonna do with it? And
17:15
Speaker 1: it's scoring already, But that could have helped them over it.
17:19
Speaker 1: Just by making the minimum payment. It will hold you
17:22
Speaker 1: over so that you won't ask any late payments reporting
17:26
Speaker 1: that will decline your score. Your scores will drop anywhere
17:29
Speaker 1: between thirty to seventy points from one late payment. Wow,
17:34
Speaker 1: and ye can you tell them how those how those
17:38
Speaker 1: those scores are reported. Uh, not trying to complicate the conversation,
17:42
Speaker 1: but people need to know that, you know, electronically in
17:46
Speaker 1: that world then people track you, They track you, and
17:50
Speaker 1: they track your abe. It always amazes me Rhodesia. When
17:55
Speaker 1: I put my credit card in and I mean like seconds,
17:58
Speaker 1: the names seconds later it says approved. That that even today,
18:02
Speaker 1: that boggles me gud, that the amodel of computer force
18:05
Speaker 1: is tied to that is incredible that because I know
18:09
Speaker 1: at the same same time, otteniously, I'm sure hundreds of
18:12
Speaker 1: thousand people are pushing their card in that same type
18:15
Speaker 1: of machine or card card reader and time octensionally and
18:18
Speaker 1: it's hitting the word approved immediately. All rejection, depending on
18:22
Speaker 1: where you are, is data. All of this is data,
18:26
Speaker 1: and it's and it's like you said, it's tracking. Their
18:28
Speaker 1: tracking your payments, they're tracking your utilization, and they're tracking
18:32
Speaker 1: even down to where you live at. You know, anytime
18:34
Speaker 1: you put on an application. I don't know if people
18:36
Speaker 1: are aware of when you pull your credit every address
18:39
Speaker 1: that you have lived at that you used to apply
18:42
Speaker 1: for something shows up on your credit report. So it's
18:45
Speaker 1: definitely attracting system. But the credit bureaus are nothing but
18:48
Speaker 1: data companies, a billion dollar industry. They get paid to
18:51
Speaker 1: collect data to report your behalf to then sell to
18:56
Speaker 1: the bigger banks and financial institutions. That all it is
19:01
Speaker 1: now one of your favorite I could say nonprofits that
19:03
Speaker 1: you are tied to are associated with our creators called
19:07
Speaker 1: go get crowned. Tell us about why you start that not?
19:10
Speaker 1: I have my points about Actually, actually it's queening now
19:15
Speaker 1: I changed it to queening. Um and I do. I
19:18
Speaker 1: do a mentorship program for young girls between and called
19:21
Speaker 1: Queen is called Queeny right qu e Q right Q
19:26
Speaker 1: you E E N I n G yes. And I
19:29
Speaker 1: also wrote a book called Queening on Amazon. So so
19:33
Speaker 1: Queening is a non practice organization for young black women
19:39
Speaker 1: okay from the ages of fourteen to twenty one. And
19:42
Speaker 1: it's basically me giving them all of the life skills
19:45
Speaker 1: that I have acquired over the years. I'm talking about,
19:49
Speaker 1: you know, teaching them how to see money as a
19:51
Speaker 1: tool and not as this this tangible thing to just spend, spend,
19:54
Speaker 1: spence and spend. Teaching them how to invest I'm also
19:58
Speaker 1: a real estate investor, and I have several female friends
20:01
Speaker 1: that are real estate investors. I bring them in to
20:03
Speaker 1: talk to my girl so that they can see other
20:05
Speaker 1: young black success for women or minority women who because
20:09
Speaker 1: we have some Latinos also who look like them and
20:13
Speaker 1: come from communities where they come from, so they can
20:15
Speaker 1: see the example. I also bring in my other entrepreneur
20:18
Speaker 1: friends from different industries, so some of my girls and
20:21
Speaker 1: the start of the program will ask them, you know
20:23
Speaker 1: what interests you do? You have an idea of where
20:26
Speaker 1: you want your life to go or where you seeing yourself,
20:28
Speaker 1: where you see yourself in the next five to fifteen years.
20:31
Speaker 1: So whatever that industry is that they choose, I try
20:33
Speaker 1: to get somebody to come in from the industry to
20:36
Speaker 1: um talk about their experience, the ups and downs, the
20:39
Speaker 1: highs and the lows, and then also ask them if
20:41
Speaker 1: they with my mentoring my girls based off of the
20:45
Speaker 1: industry that they choose, because I feel that that's super
20:47
Speaker 1: important to to have a mentor um. A lot of
20:51
Speaker 1: things could be prevented a lot of trial and error
20:54
Speaker 1: if you have a mentor who can help you and
20:57
Speaker 1: assist you that you have access to along your journey.
21:01
Speaker 1: I feel like that's very important. So we teach homeownership,
21:04
Speaker 1: we talk about, you know, self esteem. We talk about
21:08
Speaker 1: African culture and the beauty of being Africans and celebrating
21:12
Speaker 1: our features and celebrating our culture. We talk about money management,
21:16
Speaker 1: we talk about it. That's what we talk about, all
21:18
Speaker 1: different types of life, things that could actually enriching, you know,
21:21
Speaker 1: their lives. I'm tell you, Nicia, you're one of my
21:24
Speaker 1: favorite people. You know, we you know, you know, we
21:29
Speaker 1: we we we we We didn't connect originally on our
21:31
Speaker 1: original set time. I would maybe she don't want to
21:33
Speaker 1: talk to maybe maybe maybe you don't want to talk
21:37
Speaker 1: to Rachelle mcdonalda money maker. No, no, no, you got
21:40
Speaker 1: it going on, Queenie, come on that. You know I'm
21:43
Speaker 1: talking about Nisha Howardtons. Okay, we've already talked about, you know,
21:46
Speaker 1: one of the businesses which is a CEO. She's a
21:49
Speaker 1: CEO found up Credit Medics now, the nonprofit which is mentoring.
21:52
Speaker 1: The reason I said you one of my favorite people
21:54
Speaker 1: because that's why I established Money Making Conversations for Metory.
21:57
Speaker 1: Because I can't mentor a lot of people. People are
21:59
Speaker 1: way to approaching me. So I just said, I ment
22:01
Speaker 1: to you by providing you with free information, because that's
22:04
Speaker 1: what happens. You can upload upload these interviews on my
22:06
Speaker 1: YouTube channel for free, upload on my website for free.
22:10
Speaker 1: All people have to do is just search and you can.
22:12
Speaker 1: You can hear an incredible person like you telling them
22:15
Speaker 1: why they have to protect their credit, tell them how
22:19
Speaker 1: they can protect themselves. And also the other side of
22:22
Speaker 1: the table, they can find out about you and go
22:24
Speaker 1: to you and take advantage of your services, take advantage
22:26
Speaker 1: of what you're trying, how you're trying to change lives
22:29
Speaker 1: with this mentorship program and let people know the empowerment
22:32
Speaker 1: of looking in the mirror, recognizing that they face, that
22:35
Speaker 1: they see the color that they see. Can be successful,
22:38
Speaker 1: is beautiful, is worth standing strong, don't let the negative
22:42
Speaker 1: pull you down. And that's what you were saying with
22:44
Speaker 1: the Queenian program correctly, absolutely, absolutely, And I love the
22:51
Speaker 1: interaction with these these young women. And then so it's
22:55
Speaker 1: so it's so crazy because the mentorship that I did
22:58
Speaker 1: um three years ago. My the girls in that class,
23:02
Speaker 1: two of them I have hired and they work for me.
23:05
Speaker 1: And just to see the progress in the confidence and
23:07
Speaker 1: the self esteem by itself touches my heart. It touches
23:13
Speaker 1: my heart, and just to have them up under me.
23:15
Speaker 1: One of my one of my men to Minty's um
23:18
Speaker 1: came to me. She said, miss Niche, I'm ready to
23:20
Speaker 1: buy a duplex. I said, whatever I gotta do to
23:21
Speaker 1: make it happy for you, Let's do it. You know.
23:26
Speaker 1: She could say, hey, missieche I want to go buy
23:28
Speaker 1: a channel bad, But this time, miss me, I want
23:30
Speaker 1: to get you know what I'm saying. So that's touching
23:33
Speaker 1: to me. Putting that, putting that crown on your head.
23:38
Speaker 1: You know what you got your black I'll checking you.
23:41
Speaker 1: You know miss credit man, you know, good at that
23:44
Speaker 1: girl the queen and I like that queen. But before
23:48
Speaker 1: we wrap a queen and I want to talk about
23:51
Speaker 1: to get well urgent care, which is like a medical facility.
23:54
Speaker 1: Is that it's that part of the franchises or this
23:56
Speaker 1: is an individual location that you are Actually that was
23:59
Speaker 1: that was just an investment that came um that came up.
24:03
Speaker 1: Somebody asked me, did would I'd be interested in investing
24:05
Speaker 1: in an urgent care clinic? And at the time I
24:07
Speaker 1: didn't know anything about it. I honestly did not. I
24:10
Speaker 1: started to do my own research, and of course what
24:13
Speaker 1: any type of investment is risky. You know, I always
24:16
Speaker 1: tell people, don't you know, invest money that you're expecting
24:21
Speaker 1: to get back, it's really a risk. Rather, I mean,
24:24
Speaker 1: real estate is the risks you know less less, but
24:28
Speaker 1: in any investment is going to be risky. So I
24:30
Speaker 1: didn't know anything about it at the time, and I
24:31
Speaker 1: just felt like, hey, let me just shoot my shot.
24:34
Speaker 1: And I did it. And it was one of my friends.
24:36
Speaker 1: Her husband was actually a doctor, and he was even
24:41
Speaker 1: as a doctor, you're still an employee. And he was
24:44
Speaker 1: working for um I think it was Pimont Medical Facility facility,
24:49
Speaker 1: and what he each us he decided that, you know,
24:52
Speaker 1: he didn't want to be an employee anymore. He said,
24:54
Speaker 1: you know, I'm overseeing side of these urgent care clinics,
24:57
Speaker 1: and I'm seeing these invoices. I'm seeing these invoices. Said
25:00
Speaker 1: I'm like, you're looking at his check. Come, let's lo
25:08
Speaker 1: it down. He's looking at his check, look at okay
25:12
Speaker 1: and breaking downmore. He's looking at the white folks running
25:16
Speaker 1: around here. Okay, okay, making all this good money. Okay,
25:20
Speaker 1: he said, oh they making this? Wait, wait, they making
25:24
Speaker 1: this and waiting women and I'm making this. So he started,
25:28
Speaker 1: you know, started thanking way women. So he decided that
25:32
Speaker 1: he wanted to do his own urgent here, and he
25:34
Speaker 1: was looking for investors. And his wife was a friend
25:36
Speaker 1: of mine, and she, you know, brought the opportunity to me.
25:38
Speaker 1: She said, you know, would you be willing to invest? Um,
25:41
Speaker 1: I did my research, and I just went ahead and
25:43
Speaker 1: just you know, took the risk. And some of his
25:46
Speaker 1: own faiths too, you know, because you can do all
25:48
Speaker 1: the research you want, but some of it, you know,
25:50
Speaker 1: like you said, you have to come. Yeah, you have
25:52
Speaker 1: to sit down and go toothless tools for now. When
25:55
Speaker 1: I'm talking about this is uh when you say, let's
25:58
Speaker 1: let's talk about get well urgent care. First of all,
26:01
Speaker 1: it's medical, and we all know, okay, people gonna die,
26:04
Speaker 1: people don't get sick. Okay, that's that's the fact of life. Okay. Now,
26:10
Speaker 1: And so with that, and so the investment part of
26:12
Speaker 1: ability possibilities like here, where are they putting it at?
26:15
Speaker 1: That's all you have to worry about. Who's running it
26:18
Speaker 1: and where are they gonna put it at? Because I've
26:20
Speaker 1: seen these urgent cares and they and they always got
26:23
Speaker 1: cars park out in front of them, okay, and that
26:25
Speaker 1: means that people need that service. And so so from
26:28
Speaker 1: a standpoint of your research, you like you said, you're
26:32
Speaker 1: riding on the statement that I just said, people are
26:34
Speaker 1: gonna die and people are going to get sick. Okay.
26:37
Speaker 1: So with that being said, how do you participate? Are
26:42
Speaker 1: you do you go buy your facility? You're an investor?
26:45
Speaker 1: Do you check on it? Do you have board meetings
26:48
Speaker 1: or what? How do you do? I sit on the
26:50
Speaker 1: board and I'm really just a silent investor, So of
26:54
Speaker 1: course I get you know, quarterly checks based off of
26:58
Speaker 1: my specificy of equity in the company right now? Or
27:04
Speaker 1: do we see more franchises that you'll be associated with
27:08
Speaker 1: or you said, Rouean, We're gonna see how this plays
27:10
Speaker 1: out for the next one to Actually I'm probably not
27:15
Speaker 1: going to do any more business with you right there
27:23
Speaker 1: right there? See did I tell you I did? See's
27:26
Speaker 1: one of my top people now because see I'm I'm
27:31
Speaker 1: you cannot win being fake. You can win right there
27:36
Speaker 1: right But what I am working on, it's three times
27:40
Speaker 1: in my million dollar business credit medic cool cool cool.
27:45
Speaker 1: The process of doing that right now, trying to um
27:49
Speaker 1: create a software to make it very very very um
27:53
Speaker 1: manageable and um very easy to navigate through and all
27:58
Speaker 1: that kind of stuff. So that's the only piece that
28:00
Speaker 1: listen to me, and then I will franchise my business. Well,
28:03
Speaker 1: my friend, I want to let you know, uh, I
28:05
Speaker 1: got a newsletter that goes out to my fans named
28:08
Speaker 1: some thousand, nay plus thousand fans every two weeks. I
28:12
Speaker 1: want to put your credit medics in there because, like
28:15
Speaker 1: I said, you move to the top of the food
28:16
Speaker 1: chain with me because you keep read keeping Because see
28:20
Speaker 1: the thing, the reason, the reason I say that is
28:22
Speaker 1: that we have a lot of relatable values that I
28:24
Speaker 1: come from the inner city and and I realized that,
28:27
Speaker 1: you know, when I was exposed to information outside of
28:30
Speaker 1: the inner city, I am the person I am today.
28:32
Speaker 1: So I'm always a proponent and also I give back.
28:35
Speaker 1: I give back in so many different ways. And like said, money,
28:37
Speaker 1: money and conversations. Just wanted the format. But I work
28:40
Speaker 1: with HBCU platforms and do information to exposure at such
28:44
Speaker 1: a high level. And so all I know is that
28:46
Speaker 1: you have a friend in Rashaan McDonald. I'm so glad
28:48
Speaker 1: we was able to pull off this interview and porporting.
28:53
Speaker 1: Your nonprofit organization is beautiful. I'm gonna promote that, and
28:55
Speaker 1: you look fantastic on social media, all black old with
28:59
Speaker 1: the crime and put it and how can we reach
29:07
Speaker 1: out to you? Tell us so you can actually go
29:11
Speaker 1: to my website if and you will see we have like,
29:13
Speaker 1: oh my god, so many different services available from first
29:17
Speaker 1: time home ownership to building business, credit, business consulting. If
29:21
Speaker 1: you're a business owner already. I feel like in our
29:24
Speaker 1: community and I just moved into a bigger, phenomenal location.
29:27
Speaker 1: My office is beautiful and there's enough space for me
29:31
Speaker 1: to actually have it's like a conference area, a seminar
29:34
Speaker 1: if we can have seminars. So I'm gonna be offering
29:37
Speaker 1: monthly free workshops to existing business owners black small business
29:42
Speaker 1: owners because I feel like that's a piece that's missing.
29:45
Speaker 1: You can be really skilled at whatever it is that
29:47
Speaker 1: you do in talented, but if you don't know the
29:49
Speaker 1: business side of it, your business will suffer. So we're
29:52
Speaker 1: gonna be offering free classes to small black business owners.
29:55
Speaker 1: So you can go to Credit Medics and that c
29:58
Speaker 1: R E d I T M E d I C
30:02
Speaker 1: S one zero one Credit Medics one on one dot
30:06
Speaker 1: com for all of our services, um and you can
30:09
Speaker 1: find me on Instagram at Credit Medics one on one
30:13
Speaker 1: and you can find me on Instagram. My personal page
30:16
Speaker 1: is at my zerati niche and that's m A s
30:19
Speaker 1: E r A t I n E E s eh
30:24
Speaker 1: and I thank you so much for having me, Thank
30:25
Speaker 1: you for sharing your platform with me, um piece, and
30:28
Speaker 1: blessing to everyone listening. I'm loving on y'all. Okay, I'm
30:31
Speaker 1: loving on YouTube. Thank you for coming on the show.
30:33
Speaker 1: She's amazing. She's at the top of the food chain
30:35
Speaker 1: with money main conversation. So we're gonna be hearing from
30:38
Speaker 1: especially when you are when you when you get that software,
30:41
Speaker 1: that software done right and be able to franchise and
30:44
Speaker 1: bring it to Rashad McDonald so I can sell it
30:46
Speaker 1: to my people first and put the word out about
30:48
Speaker 1: it because I believe in you, because you're a real
30:50
Speaker 1: talker and you don't try to sell false hopes. And
30:53
Speaker 1: that's important in today and pandemic where we're being overtly
30:57
Speaker 1: affected by the virus, being overtly affected by the financial
31:00
Speaker 1: crisis that is creating in our household. We need information
31:03
Speaker 1: to overcome those obstacles. And my friend ms Howardton, she
31:07
Speaker 1: provides it. Thank you for coming on the show. Thank
31:10
Speaker 1: you having a right thank you. If you want to
31:12
Speaker 1: hear more of Money Making Conversation interviews, please go to
31:14
Speaker 1: money Making Conversation dot com. I'm ras Sean McDonald. I'm
31:17
Speaker 1: your host.