Latest / The Steve Harvey Morning Show / Interview of the Week: Mychel "Snoop" Dillard talks how she overcame obstacles run multiple successful businesses

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Interview of the Week: Mychel "Snoop" Dillard talks how she overcame obstacles run multiple successful businesses · The Steve Harvey Morning Show

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  Speaker 1: Every year we say, well, wake up earlier, exercise more,
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  Speaker 1: Welcome to Money Making Conversations. It's the show that she
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  Speaker 1: what he likes to share. Now it's time to hear
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  Speaker 1: from my man, Rashan McDonald Money Conversation. We welcome to
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  Speaker 1: Money Making Conversation. I am your host for Sean McDonald.
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  Speaker 1: Like I said every week, it's really it's time to
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  Speaker 1: stop reading other people's success stories and really start writing
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  Speaker 1: your own. And I always hear by people talking about
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  Speaker 1: their gifts and their passion. If you have a gift,
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  Speaker 1: or co workers stop you from planning or living your dreams.
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  Speaker 1: Interviews I do on my show Money Making Conversations on celebrities, CEOs,
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  Speaker 1: entrepreneurs and people I like to call industry decision makers.
• 2:30
  Speaker 1: My next guest is one of my favorite people. Her
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  Speaker 1: name is Snoop Dealer. She's the owner of Dialard Hospitality Group.
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  Speaker 1: D D. Dealer Hospitality Group is Atlanta based hospitality company
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  Speaker 1: that takes pride and deliver it high quality care and
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  Speaker 1: customer service. With five restaurants, three salon suites, a charity
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  Speaker 1: organization to tourism and travel agencies, a real estate investment
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  Speaker 1: and business consulting. The agency d h D has become
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  Speaker 1: a leader and provide in Atlanta now. Excellent examples are
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  Speaker 1: optimal delivery within the first industry of Atlanta, Georgia. On
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  Speaker 1: the show to Day, Snoop and I were going to
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  Speaker 1: talk to her about her road to recovery and also
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  Speaker 1: our mentorship program because last year both she and I
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  Speaker 1: were frustrated with this COVID ninteam when they were both
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  Speaker 1: entrepreneurs and also talking about putting your business back on
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  Speaker 1: the fast fast track to success. If anybody can talk
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  Speaker 1: about that because of our diversity of her portfolio, is her.
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  Speaker 1: Please welcome to the show Money Making Conversation. Snoop Dealer, Hey,
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  Speaker 1: it's snow. Thanks for having me that phenomenal uh, that
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  Speaker 1: phenomenal phenomenal well, you know, you know those are you
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  Speaker 1: one of my favorite people. And last time I had
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  Speaker 1: you on the show, COVID was beating us up as entrepreneurs,
• 3:43
  Speaker 1: was beating us both of you know, uh, your your
• 3:46
  Speaker 1: birthday tour got canceled everything, and I can I can
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  Speaker 1: hear in your voice you were frustrated and because there
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  Speaker 1: were no answers, can you walk us back through as
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  Speaker 1: an entrepreneur, as a business owner, as a restaurant owner,
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  Speaker 1: because that was really scary because customers couldn't come in
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  Speaker 1: your business and talk about that whole process. Yeah, absolutely so, Um,
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  Speaker 1: as you all know, of course, you know, we all
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  Speaker 1: went through the same thing with COVID nineteen and I
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  Speaker 1: think it was probably around the beginning of April or
• 4:17
  Speaker 1: the end of March that Hum and I spoke last year.
• 4:21
  Speaker 1: And of course, definitely frustrating time. That was around the
• 4:25
  Speaker 1: time when everything was just being shut down. We were
• 4:28
  Speaker 1: unclear on when things would open up and when everything
• 4:31
  Speaker 1: would even turn back to any type of normalcy or
• 4:34
  Speaker 1: if there ever would be normalcy, and what that would
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  Speaker 1: look like, you know, um, for months and years to come. So, Um,
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  Speaker 1: absolutely a frustrating time. As you mentioned, our own five restaurants.
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  Speaker 1: So it's just having all of those clothes that once
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  Speaker 1: was very very scary. Um. It made me have to
• 4:51
  Speaker 1: be super innovative. Um and really you know, just kind
• 4:55
  Speaker 1: of think out of the box. Uh. Now, Fortunately we
• 4:59
  Speaker 1: were are able to open back up, you know, about
• 5:02
  Speaker 1: a month after month later after we spoke you know,
• 5:06
  Speaker 1: uh during that time last year, and so I was
• 5:08
  Speaker 1: very surprised that we were able to open back up
• 5:11
  Speaker 1: as quickly as we were, um, and even more so
• 5:14
  Speaker 1: surprised and pleased to see people coming out and patronizing
• 5:18
  Speaker 1: the businesses like they did, you know, once we were
• 5:21
  Speaker 1: able to open back up. And so I went on
• 5:24
  Speaker 1: to open up three new businesses during the pandemic. So
• 5:29
  Speaker 1: that was definitely it was kind of like turning you know,
• 5:33
  Speaker 1: lemons into lemonade, you know, making a bad situation and
• 5:36
  Speaker 1: turning that into a positive situation. So, um, everything ended
• 5:40
  Speaker 1: up turning out all right. But it was definitely you know,
• 5:43
  Speaker 1: a scary time, you know, for all of us. Then
• 5:46
  Speaker 1: I think the time that will you know all never forget.
• 5:49
  Speaker 1: We know, it's really interesting because you're always upbeat, you
• 5:53
  Speaker 1: always a positive and you know, and as a and
• 5:56
  Speaker 1: I want to call you a friend of mine, just
• 5:58
  Speaker 1: hearing your voice and hearing the the the uncertainty in
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  Speaker 1: your voice doing COVID as an as an entrepreneur, because
• 6:06
  Speaker 1: you're not only that you try to get customers in
• 6:08
  Speaker 1: the door, but your people you're employing, and you're hearing
• 6:10
  Speaker 1: their stories and their their checks and their bills that
• 6:13
  Speaker 1: they cannot pay. But with that being said, there has
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  Speaker 1: been a difference in customer service now because now online
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  Speaker 1: or to go has become a has changed the dynamics,
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  Speaker 1: especially in black restaurants. Talking about how that has shifted
• 6:28
  Speaker 1: your business model, well, you know, while we were shut down,
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  Speaker 1: we were well, we were allowed to stay open just
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  Speaker 1: to do take out uh, and so that made us
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  Speaker 1: have to focus, you know, on that aspect of the
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  Speaker 1: business much more than we ever had before before. You know,
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  Speaker 1: we always were more so concerned and cater to the
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  Speaker 1: customers that were coming into the bus. So we ended
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  Speaker 1: up seeing a lot of our profits from you know,
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  Speaker 1: Uber Eats grew hub things of that nature nature and
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  Speaker 1: even change in our platform um to see how we
• 7:02
  Speaker 1: could do uh take out and delivery without using those
• 7:07
  Speaker 1: platform forms which take you know, a certain percentage of profits.
• 7:10
  Speaker 1: So uh, it was definitely a time to kind of
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  Speaker 1: change some things change are We even looked at changing
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  Speaker 1: our to go containers, you know, to preserve food and
• 7:21
  Speaker 1: make sure that our to go food was fresh, just
• 7:25
  Speaker 1: like it would be in the restaurants, you know once
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  Speaker 1: you get it there at home. So um, definitely a
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  Speaker 1: lot of thinking outside the box, you know, during this
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  Speaker 1: time period, and some things that we've carried on up
• 7:38
  Speaker 1: until now. You know, we've even implemented curbside windows that
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  Speaker 1: several of our locations, um and still keep those going
• 7:45
  Speaker 1: to this day, even though people are coming back into
• 7:48
  Speaker 1: the restaurants now. It was really interesting. I was with
• 7:50
  Speaker 1: a friend I was at that I was at the
• 7:52
  Speaker 1: Wiffle House and we were sitting up at the bar
• 7:55
  Speaker 1: eating and I could tell you it was actually the
• 7:58
  Speaker 1: the the go pick area at the end of the
• 8:01
  Speaker 1: bar for wafall was like amazing. It was like it
• 8:04
  Speaker 1: was like a constant, steady flow. So I know the
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  Speaker 1: mentality of the customer now is they have no problem
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  Speaker 1: coming in, picking up their their food and exiting out
• 8:14
  Speaker 1: of the facility. Is that it may be tied to
• 8:17
  Speaker 1: maybe a fear or it's just a habit that was
• 8:20
  Speaker 1: built droughing COVID a team when it comes to future
• 8:22
  Speaker 1: restaurant customer, I think it was a habit that was
• 8:25
  Speaker 1: built during that time period and so that enabled you.
• 8:28
  Speaker 1: That's why you said, Okay, Rishan, we used to have
• 8:30
  Speaker 1: a certain way that we delivered. I'm talking to Snoop
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  Speaker 1: Dialer than her customers. He has five restaurants in the
• 8:36
  Speaker 1: Atlanta area, and Snoop when we're talking about this, the
• 8:39
  Speaker 1: ability to say, you have different things you have to
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  Speaker 1: you have the seal containers that you can just put
• 8:44
  Speaker 1: a lid on top of it, and do you have
• 8:46
  Speaker 1: the little the little styre foam that you would just
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  Speaker 1: fold down and just walk out of there. So I'm
• 8:51
  Speaker 1: assuming that you went more to a seal container as
• 8:54
  Speaker 1: far as your to go. Even with the styrofoam, you know,
• 8:56
  Speaker 1: we went to a more breathable styrofoam contained in or
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  Speaker 1: that which you know keep wings and fried foods, you know,
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  Speaker 1: Forest Service, your state Forester, and the AD Council. What
• 10:35
  Speaker 1: grows in the forest trees? Sure know what else grows
• 10:39
  Speaker 1: in the forest. Our imagination, our sense of wonder, and
• 10:43
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• 10:46
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  Speaker 1: to you by the United States Four Service and the
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  Speaker 1: AD Council. But let's when we were out of that.
• 11:06
  Speaker 1: You know, we're into two. We're playing it only because
• 11:10
  Speaker 1: I know you're you know, you're not a person that
• 11:12
  Speaker 1: six or thirty days are You're playing a year in advance.
• 11:15
  Speaker 1: You got the five restaurants, the three so long sweet
• 11:18
  Speaker 1: break down to everybody, your five restaurants in the lot
• 11:20
  Speaker 1: of areas, so we get a sense of what the
• 11:23
  Speaker 1: the hospitality the group is doing from a restaurant perspective. Absolutely,
• 11:27
  Speaker 1: we've got Escobar Restaurant on top of us, which is
• 11:30
  Speaker 1: located downtown on Peter Street at three seven Peter Street.
• 11:35
  Speaker 1: We've got Escobar South which is on the south side,
• 11:38
  Speaker 1: and Moronto urge at eleven forty Mount Sion Road. And
• 11:42
  Speaker 1: we've also got members only lounge and restaurant which is
• 11:45
  Speaker 1: located at one thirty nine Rough Mgeo once again downtown. Uh.
• 11:49
  Speaker 1: And then we've got Crazy Restaurant which is located in
• 11:52
  Speaker 1: a little five Points. And then I also owned Esco Seafood,
• 11:58
  Speaker 1: so that one was opened up during the pandemic and
• 12:01
  Speaker 1: it's located at four or forty seven Edgewit Avenue. This
• 12:05
  Speaker 1: opening up a restaurant during the pandemic, talk to me.
• 12:10
  Speaker 1: You know people out there can't even get p pp
• 12:13
  Speaker 1: okay people out there, and you made a decision. Was
• 12:16
  Speaker 1: it was that in the works already now. It was
• 12:20
  Speaker 1: not the reason why I made a decision to open
• 12:22
  Speaker 1: up sc C Buddhist because I saw the influx of
• 12:25
  Speaker 1: people that were coming to Atlanta, being that we were
• 12:28
  Speaker 1: one of the only cities that were opened up the
• 12:30
  Speaker 1: way that we were during the pandemic um and just
• 12:34
  Speaker 1: kind of wanted to take advantage of that. Also, there
• 12:37
  Speaker 1: were some unfortunate restaurants that did have to close down
• 12:40
  Speaker 1: were the pandemic, and so, uh, there were several second
• 12:43
  Speaker 1: generation restaurant locations available UM that would allow us to
• 12:48
  Speaker 1: get open pretty quickly. UM. And so once I found
• 12:52
  Speaker 1: that location on Edge Live, which is a pretty sought
• 12:54
  Speaker 1: after you know areas to be on UM. There's a
• 12:57
  Speaker 1: lot of walk up traffic on that s UM, I
• 13:00
  Speaker 1: figured that that would be a good area to start
• 13:03
  Speaker 1: our sea food chain UM and go ahead and get
• 13:06
  Speaker 1: that going. And so we actually get that got that
• 13:09
  Speaker 1: location open and about three months we opened December ninth
• 13:13
  Speaker 1: of last year. Well, I'm goot to be honest with everybody.
• 13:16
  Speaker 1: When I talked to Snoop deal it, Uh, she's a visionary.
• 13:19
  Speaker 1: I tell her that all the time, and she's but
• 13:22
  Speaker 1: she's also a grinder. When I say a grinder means
• 13:25
  Speaker 1: that she's out there grind and she doesn't even realize
• 13:27
  Speaker 1: how she knows she's talented, but may not realize that
• 13:30
  Speaker 1: how talent and the impact that she makes on other people. Well,
• 13:33
  Speaker 1: she has a program, a mentorship program that uh that
• 13:36
  Speaker 1: the road to mentorship program. Talk to us about that
• 13:40
  Speaker 1: Road to mendorship program and why it's important and why
• 13:43
  Speaker 1: did you started absolutely so who is snoops Roads a
• 13:47
  Speaker 1: millions menstorship program. I pretty much started this menstorship program
• 13:50
  Speaker 1: during COVID. One of the things that I did while
• 13:53
  Speaker 1: we worshiped down was to film various courses that I
• 13:56
  Speaker 1: felt would be helpful to people who wanted to get
• 13:59
  Speaker 1: into entrepreneurship, who wanted to start saving and investing, who
• 14:04
  Speaker 1: wanted to get into restaurant ownership UM. And then also
• 14:07
  Speaker 1: during COVID, UM, I took the course myself to sharpen
• 14:11
  Speaker 1: my skills by a friend of my name, Marcus Barney.
• 14:15
  Speaker 1: He has this whole recession recession through family where he
• 14:18
  Speaker 1: teaches financial literacy, credit repair, UM, funding, business credit, things
• 14:24
  Speaker 1: of that nature. So UM, and just kind of pulling
• 14:27
  Speaker 1: all of that together and combining some of the things
• 14:30
  Speaker 1: that I've been teaching and questions I've been answering through
• 14:33
  Speaker 1: my business consultation to the past few years, I said, well,
• 14:37
  Speaker 1: let me kind of put together a mentorship program that
• 14:40
  Speaker 1: would encompass all of this information UM to be able
• 14:43
  Speaker 1: to help individuals with my platform UM get to the
• 14:48
  Speaker 1: point that they can be millionaires or get to the
• 14:50
  Speaker 1: point that they can reach their goals. And so that's
• 14:53
  Speaker 1: what it is that I'm doing. UM. It's a mentorship
• 14:55
  Speaker 1: program at last about four weeks. UM. It encompasses teaching
• 14:59
  Speaker 1: people how to invest, teaching people how to say UM,
• 15:02
  Speaker 1: teaching UH, fixing individuals credit UM, showing them how to
• 15:06
  Speaker 1: be a business credit, showing them how to get funding,
• 15:10
  Speaker 1: showing them how to start businesses, how to scale businesses.
• 15:14
  Speaker 1: Excuse me, UM, And there's a lot of one on
• 15:16
  Speaker 1: one with my mentee. So UM it's been a great program.
• 15:20
  Speaker 1: People have really really been and been enjoying it. UH.
• 15:23
  Speaker 1: Started off wanting to take about ten mentees a month,
• 15:26
  Speaker 1: kind of scale back, so they kind of became a
• 15:29
  Speaker 1: little overwhelming. So right now I kind of take on
• 15:32
  Speaker 1: about six to eight mentees per month. UM. And it's
• 15:35
  Speaker 1: a great program. People can find out more information about
• 15:38
  Speaker 1: it by going to my website at www dot who
• 15:42
  Speaker 1: is snoop dot com. If I could be you and
• 15:45
  Speaker 1: you could be me for just one hour, if you
• 15:47
  Speaker 1: could find a way to get inside each other's mind,
• 15:51
  Speaker 1: walcome Mile in my shoes. Welcome Mile in my shoes. Shoes.
• 15:57
  Speaker 1: We've all felt left out, and for some that feeling
• 16:00
  Speaker 1: last more than a moment. We can change that. Learn
• 16:03
  Speaker 1: how it belonging begins with us. Dot org brought to
• 16:06
  Speaker 1: you by the AD Council. Come out in machines. What
• 16:14
  Speaker 1: grows in the forest trees? Sure? No. What else grows
• 16:18
  Speaker 1: in the forest. Our imagination, our sense of wonder, and
• 16:22
  Speaker 1: our family bonds grow too, because when we disconnect from
• 16:25
  Speaker 1: this and connect with this, we reconnect with each other.
• 16:32
  Speaker 1: The forest is closer than you think. Find a forest
• 16:35
  Speaker 1: near you and start exploring. I Discover the Forest dot
• 16:38
  Speaker 1: org brought to you by the United States Forest Service
• 16:41
  Speaker 1: and the AD Council. Look for your children's eyes to
• 16:45
  Speaker 1: see the true magic of a forest. It's a storybook
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  Speaker 1: world for them. You look and see a tree. They
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  Speaker 1: see the wrinkled face of a wizard with arms outstretched
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  Speaker 1: to the sky. They see treasure in pebbles, They see
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  Speaker 1: see you. They're feelless. Guide, is this fascinating world? Find
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  Speaker 1: a forest near you and start exploring and discover the
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  Speaker 1: forest dot org brought to you by the United States
• 17:12
  Speaker 1: Forest Service and the Council. Well, here's the thing I'm
• 17:15
  Speaker 1: talking to Snoop Dealer. She has the owner of the dealer,
• 17:17
  Speaker 1: hospitality of the group if you're not aware, it's an
• 17:19
  Speaker 1: Atlanta based hospitality company that takes pride and delivering high
• 17:23
  Speaker 1: quality care and customer service. Let's talk about that. Let's
• 17:26
  Speaker 1: talk about this all started with a party bus, you know,
• 17:28
  Speaker 1: in the Atlanta way back in the day. And this
• 17:30
  Speaker 1: is an idea of stepping out on some people. Some
• 17:33
  Speaker 1: people use the word faith. Uh, you and I were
• 17:37
  Speaker 1: kind of like, we got faith, but we also are planners,
• 17:40
  Speaker 1: and we also have a budget tied to the plan.
• 17:42
  Speaker 1: So give people advice on that whole process because you know,
• 17:47
  Speaker 1: you know, prayers used a lot when people make a decision,
• 17:51
  Speaker 1: but also within that prayer, it has to be a
• 17:54
  Speaker 1: sense of reality, a sense of revenue that you can
• 17:59
  Speaker 1: generate out of your dream. And how do you put
• 18:02
  Speaker 1: your ideas together, especially in the early days of starting
• 18:05
  Speaker 1: your company and the building or I want to say
• 18:07
  Speaker 1: the word empire. I think it starts with number one,
• 18:11
  Speaker 1: first and foremost having a good plan, as you mentioned,
• 18:13
  Speaker 1: you know, and and when we talk about planning a
• 18:15
  Speaker 1: good business plan, you know a lot of people are
• 18:19
  Speaker 1: excuse me, starting businesses without even having a business plan. Um,
• 18:23
  Speaker 1: so it really starts there, you know, it starts with
• 18:27
  Speaker 1: having the business plan during the research UM, having good
• 18:31
  Speaker 1: mentorship no individuals that are in the line of work
• 18:35
  Speaker 1: that you're trying to get into or that have businesses
• 18:38
  Speaker 1: similar to what you're trying to do, UM, and really
• 18:41
  Speaker 1: studying and scaling those businesses and and putting the research
• 18:45
  Speaker 1: together with the grind and the hustle UM because a
• 18:48
  Speaker 1: lot of times people really don't research what it is
• 18:50
  Speaker 1: that they're trying to do and end up spending and
• 18:53
  Speaker 1: wasting a lot of money trying to learn along the way.
• 18:56
  Speaker 1: So UM, that's been a big thing for me. It's
• 19:00
  Speaker 1: just having great mentors UM and having good planning skills,
• 19:05
  Speaker 1: you know, UM. And also you know, having that funding,
• 19:07
  Speaker 1: you know, saving and having the finances UM to be
• 19:10
  Speaker 1: able to back up you know, those dreams and aspirations.
• 19:14
  Speaker 1: But an interesting thing when I when I sit down
• 19:16
  Speaker 1: and talk to Snoop dealer, is that there's always a
• 19:19
  Speaker 1: level of confidence but you and I would tell you
• 19:21
  Speaker 1: that I I don't understand balance. You know, you seem
• 19:24
  Speaker 1: to be able to understand, Hey, I can relax, I
• 19:27
  Speaker 1: can go on vacation, I celebrate with my friends. How
• 19:31
  Speaker 1: are you able to do that? Because I would tell
• 19:34
  Speaker 1: you I love you know, I tell people I love
• 19:36
  Speaker 1: the work. I love the bought the building and doing
• 19:39
  Speaker 1: COVID use at that restaurant. I bought the building. Okay,
• 19:42
  Speaker 1: So I bought into myself and believed in myself. And
• 19:46
  Speaker 1: one of the great business decisions I've made in the
• 19:48
  Speaker 1: past several years, how do you balance being able to
• 19:51
  Speaker 1: be exceptionally busy as an entrepreneur, but then also having
• 19:55
  Speaker 1: a family life, a social life, a life to be
• 19:58
  Speaker 1: able to know your friends and spend time with your friends.
• 20:01
  Speaker 1: Absolutely great question, Um. I think for me, I made
• 20:04
  Speaker 1: the decision a few years ago that it was just
• 20:07
  Speaker 1: something that I have to do because it's extremely important
• 20:10
  Speaker 1: to me. You know, I think that you know, we're
• 20:13
  Speaker 1: all here for a reason, and that you know when
• 20:15
  Speaker 1: we leave this earth. You know, we look at tombstones
• 20:18
  Speaker 1: and I've never walked by anyone tombstones that said a
• 20:22
  Speaker 1: great athlete, great business person, owner of such and such.
• 20:25
  Speaker 1: You know, it says mother, father, sister, orter, friend to whoever. Um,
• 20:30
  Speaker 1: And those are the relationships that I feel like are
• 20:32
  Speaker 1: most important that we need to make sure that we
• 20:34
  Speaker 1: make time for. So UM, it's definitely about having that
• 20:37
  Speaker 1: balance and scheduling those things and Uh. It used to
• 20:40
  Speaker 1: be a point in time where I would you know,
• 20:43
  Speaker 1: be up all night checking emails because in the midile
• 20:45
  Speaker 1: of the night emails working. And so I've decided that,
• 20:48
  Speaker 1: you know, I've got to have a cut off point
• 20:51
  Speaker 1: because there are things that are also important in life
• 20:56
  Speaker 1: that don't evolve around money. In business, well, it's to
• 21:00
  Speaker 1: before I get into the the good credit and credit
• 21:04
  Speaker 1: repair company, I want to talk about your charity organization.
• 21:08
  Speaker 1: And then I also want to talk about something that
• 21:10
  Speaker 1: African Americans really don't get into, is that the tourism
• 21:13
  Speaker 1: and travel business. And we know that's about to take
• 21:16
  Speaker 1: back off. Just this past weekend, cruise ships have been released.
• 21:20
  Speaker 1: They're starting to go back out into the waters and
• 21:23
  Speaker 1: travel of this world. I'm a big component of a friend,
• 21:29
  Speaker 1: a big fan of people doing cruises, especially black people.
• 21:31
  Speaker 1: They don't realize that you go out there, you get
• 21:34
  Speaker 1: your room, you get your food, you get your experience.
• 21:36
  Speaker 1: It's done. You know what I'm saying. It all inclusive.
• 21:40
  Speaker 1: So talk about first about your charity, and then we're
• 21:42
  Speaker 1: gonna go over into the tourism and travel agencies and
• 21:45
  Speaker 1: encompasses under d h G. Absolutely and so my charity
• 21:49
  Speaker 1: organization is Her Impact Foundation UM. And what we do
• 21:53
  Speaker 1: is we just try to help the community in any
• 21:55
  Speaker 1: way so that we can. So we have movements where
• 21:58
  Speaker 1: we feed the homeless UM and set up you know,
• 22:01
  Speaker 1: UM coalitions you know, with various organizations in the community
• 22:05
  Speaker 1: to be able to do that. We also help UM
• 22:09
  Speaker 1: kids you know that are going back to school that
• 22:11
  Speaker 1: aren't able to you know, whose parents aren't able to
• 22:15
  Speaker 1: provide you know, their school supplies and things of that nature. UM.
• 22:18
  Speaker 1: We've got a Friends Giving UH event that we do
• 22:22
  Speaker 1: which is also just based around during the Thanksgiving time UM,
• 22:26
  Speaker 1: feeding the community UM and giving back to some of
• 22:29
  Speaker 1: the homeless individuals. So UM definitely trying to focus a
• 22:33
  Speaker 1: lot of efforts and that UM. I was a single mother,
• 22:36
  Speaker 1: So we do a I do a diaper drive as
• 22:40
  Speaker 1: well once a year, and it's just UM basically you know,
• 22:44
  Speaker 1: getting donations you know of pampers UH and diapers and
• 22:48
  Speaker 1: donating those two mothers that are in need. UH. So
• 22:52
  Speaker 1: we do a lot of different, you know, combinations of
• 22:54
  Speaker 1: different efforts to give back to the community here in Atlanta, UM.
• 22:58
  Speaker 1: And then moving over to the travel UM leg of things.
• 23:03
  Speaker 1: So UM we're actually kind of in the works of
• 23:05
  Speaker 1: putting that together right now. But it's just helping individuals
• 23:09
  Speaker 1: to be able to see the world um and travel,
• 23:12
  Speaker 1: you know, UM and be able to you know, because
• 23:15
  Speaker 1: right now travel is so high. Last year it was
• 23:20
  Speaker 1: you know, they dropped prices on everything because not as
• 23:22
  Speaker 1: many people are traveling, and now that everything is kind
• 23:24
  Speaker 1: of opening back up, they're hitting everybody over the head.
• 23:28
  Speaker 1: So UM. But they do have programs where you can
• 23:30
  Speaker 1: get tickets on way oh way and things of that nature.
• 23:33
  Speaker 1: But a lot of people don't realize, you know, how
• 23:35
  Speaker 1: reasonable it can be, you know, to travel and just
• 23:38
  Speaker 1: what the importance of it is and being able to
• 23:40
  Speaker 1: have that culture UM and expand your mind a lot
• 23:43
  Speaker 1: of times, you know, as your eyes see things, um,
• 23:46
  Speaker 1: your mind expands um and it and it cultivates and
• 23:50
  Speaker 1: creates different dreams for you um and different goals that
• 23:53
  Speaker 1: you may want to reach. So I think everything is
• 23:56
  Speaker 1: all connected. Well, I know you do. I see a
• 23:58
  Speaker 1: future you know, talk going the type cruise in your future.
• 24:02
  Speaker 1: I know you, I know you. I know that you know,
• 24:05
  Speaker 1: just the party. But that's I started. That's just a
• 24:08
  Speaker 1: bigger version of that. Getting the travel and safe and
• 24:12
  Speaker 1: friends and family. Well, how how big you gonna go
• 24:15
  Speaker 1: with this now, because you never do anything small. It's
• 24:17
  Speaker 1: always in the smallest the planning stage. But once the
• 24:20
  Speaker 1: planning stags gome on, that come on. That the whole
• 24:24
  Speaker 1: process of getting African Americans out into the travel space.
• 24:29
  Speaker 1: And like you said, because of COVID, car rennods are
• 24:32
  Speaker 1: extremely high nowadays. You know, getting a good cars ridiculous,
• 24:36
  Speaker 1: especially begetting to the Florida area. So getting with the
• 24:39
  Speaker 1: travel agency or tourism organization that can protect you and
• 24:43
  Speaker 1: provide you with information. You really can't just jump out
• 24:45
  Speaker 1: there like you used to. You know, gas prices are
• 24:47
  Speaker 1: high in certain states, in certain places, parts of California's
• 24:50
  Speaker 1: five dollars a gallop in California. So that's the type
• 24:54
  Speaker 1: of information that that comes to your organization when people
• 24:57
  Speaker 1: come to you. It's like basically you protect people, providing
• 25:00
  Speaker 1: them with information that makes you steering them in the
• 25:02
  Speaker 1: right direction. Correct, absolutely, absolutely. Now let's talk about good
• 25:07
  Speaker 1: credit bad credit. Black people are notorious that we have
• 25:11
  Speaker 1: a history. I'm not saying we do, but we always
• 25:14
  Speaker 1: hear the jokes. You know, you you put your your
• 25:17
  Speaker 1: child's name or your on your own, your own your
• 25:20
  Speaker 1: gas bill or your light bill that your po child
• 25:24
  Speaker 1: grew up, they realized they got bad credit. We've we've
• 25:28
  Speaker 1: we've seen these stories. We've heard these stories and been
• 25:31
  Speaker 1: a part of this story. Depending on who's listening to
• 25:33
  Speaker 1: this interview. When you talk about good credit in your
• 25:37
  Speaker 1: repair company, to help that out, let's talk about what
• 25:40
  Speaker 1: exactly is good credit? Snoop, you know, good credit they
• 25:44
  Speaker 1: used to be a seventh twenty or better, but you
• 25:46
  Speaker 1: know they're staying it nowadays. That doesn't even set it um.
• 25:49
  Speaker 1: But you know, a good credit report. Number one is
• 25:52
  Speaker 1: at least you know, tend open positive accounts. He wrote
• 25:55
  Speaker 1: the rocket story. Accounts zero late marks zero. I'm saying
• 26:00
  Speaker 1: collections and only two to three inquiries, um, you know
• 26:03
  Speaker 1: over the past couple of years, um. And that could
• 26:06
  Speaker 1: be easily attainable, you know, just by hiring your credit
• 26:09
  Speaker 1: repair something and kind of show show you what it
• 26:12
  Speaker 1: is you need to do. Even a lot of people
• 26:14
  Speaker 1: that I know they have good credit, they don't even
• 26:16
  Speaker 1: know how they've gotten there, especially a lot of you know,
• 26:19
  Speaker 1: people from you know, our our older generations and things
• 26:22
  Speaker 1: of that nature. So I think it's so important to
• 26:24
  Speaker 1: have that literacy behind it because you know, it used
• 26:27
  Speaker 1: to be like cash is king, um and I still
• 26:30
  Speaker 1: believe that to this day. But hey, if you've got
• 26:33
  Speaker 1: good credit, you can keep a lot of that cash
• 26:35
  Speaker 1: in your pocket. Um. You know, and if if you've
• 26:37
  Speaker 1: got good credit personally, then you can build and established
• 26:42
  Speaker 1: the business credit. UM end up getting a lot of
• 26:45
  Speaker 1: things in their business name and they don't have to
• 26:48
  Speaker 1: go on your personal credit report um and affect your
• 26:51
  Speaker 1: debt to income ratio. So UM. I think it's probably
• 26:55
  Speaker 1: one of the most important things I'm doing right now
• 26:57
  Speaker 1: is you know, my credit repair business and help and
• 27:00
  Speaker 1: individuals be able to repair their credit because UM, a
• 27:03
  Speaker 1: lot of people's financial goals and dreams are based are
• 27:07
  Speaker 1: based around having a good credit score. UM. You know,
• 27:11
  Speaker 1: it's hard to buy at home if you don't have
• 27:13
  Speaker 1: a good good credit now, UM, it's hard to get
• 27:16
  Speaker 1: the dream car that you want if you don't have
• 27:18
  Speaker 1: good credit. You know, it's hard to start that business
• 27:21
  Speaker 1: if you don't have good credit. So UM, that's one
• 27:24
  Speaker 1: of the things that I took courses on and did
• 27:27
  Speaker 1: a lot of research on during the pandemic. UM. And
• 27:30
  Speaker 1: I'm using that information now to be able to teach
• 27:33
  Speaker 1: that to other entrepreneurs and just other individuals. It was
• 27:39
  Speaker 1: iNeST I would tell people for some reason when I
• 27:40
  Speaker 1: was eighteen years old, always protected my credit always. I
• 27:44
  Speaker 1: was always protective of paying my bills on time. Now,
• 27:49
  Speaker 1: when you when somebody comes to you your credit repair service,
• 27:53
  Speaker 1: you know they confused. Obviously is messed up. That's obviously
• 27:57
  Speaker 1: the case. One of the course of the steps in
• 28:00
  Speaker 1: and sitting down with a person and getting them pointed
• 28:02
  Speaker 1: in the right direction because they have to do something
• 28:05
  Speaker 1: to you know, because they wouldn't be sitting in front
• 28:08
  Speaker 1: of you if they didn't do it right. Okay, right, Um,
• 28:11
  Speaker 1: So one of the first steps for me is number one,
• 28:13
  Speaker 1: finding out what their goals are. You know, what are
• 28:15
  Speaker 1: your goals for your credit? Because you know, you can
• 28:17
  Speaker 1: fix somebody's credit, but you know, if they don't have
• 28:20
  Speaker 1: you know, the right amount of trade lines or the
• 28:22
  Speaker 1: right mix of credit, a lot of times it's still
• 28:24
  Speaker 1: hard for them to get what it is that they're
• 28:26
  Speaker 1: looking to obtain. So the first and foremost thing is
• 28:29
  Speaker 1: finding out what their goals are. Um. Secondly, um, it's
• 28:33
  Speaker 1: hoping to create a budget for them because as you mentioned,
• 28:36
  Speaker 1: there are still some things that they're gonna need to
• 28:37
  Speaker 1: do on their own, and they're gonna need to they
• 28:40
  Speaker 1: may have to pay some things down or whatever the
• 28:42
  Speaker 1: case may be. UM. Third, it's pulling their credit reports.
• 28:46
  Speaker 1: Um So, getting those three credit reports and seeing exactly
• 28:50
  Speaker 1: where it is that they are and what we need
• 28:52
  Speaker 1: to do, you know, whether it's getting things removed off
• 28:55
  Speaker 1: of their credit, whether it's paying some of our credit
• 28:58
  Speaker 1: cards down. I've got some people who come with decent
• 29:02
  Speaker 1: credit and they just need to know how to um
• 29:06
  Speaker 1: hi their utilization or they need to know how to
• 29:10
  Speaker 1: manufacture they're spending um so that they can get higher
• 29:13
  Speaker 1: credit limits. Um. So it's it's a wealth of different things.
• 29:17
  Speaker 1: Sometimes it's selling trade lines to individuals, are helping provide
• 29:21
  Speaker 1: them with trade lines so that they get more established
• 29:24
  Speaker 1: credit history, um. You know, to show their potential creditors.
• 29:29
  Speaker 1: So um it's a basic looking at it. And then
• 29:31
  Speaker 1: one thing that I offer is a free consultation. So
• 29:34
  Speaker 1: a lot of times people will go to credit repair
• 29:38
  Speaker 1: individuals and their fixed their credit, but they have no
• 29:40
  Speaker 1: information on how to keep that credit score up. Um.
• 29:43
  Speaker 1: And so that's one of the things that I teach
• 29:45
  Speaker 1: is just you know, how can you keep that credit
• 29:47
  Speaker 1: score up. Um, what is it that the credit bureaus
• 29:51
  Speaker 1: and the credit report agencies are looking at? How do
• 29:54
  Speaker 1: we get this scoore or what is this score comprised stuff?
• 29:57
  Speaker 1: So there's also some education that goes behind it as well.
• 30:01
  Speaker 1: But when we were as we wrapped up this call
• 30:03
  Speaker 1: and we talked about, you know, black people in general
• 30:06
  Speaker 1: trying to be mobile. We we've had the social movement,
• 30:09
  Speaker 1: we recognized as a credible part of this country and
• 30:15
  Speaker 1: and still being demonized because people don't want to acknowledge
• 30:18
  Speaker 1: that there is a problem. As as a as a
• 30:21
  Speaker 1: black business owner in the city of Atlanta, what are
• 30:24
  Speaker 1: the advantages that you are achieving and what are the
• 30:28
  Speaker 1: negatives that you're still having to overcome? Um. I think
• 30:32
  Speaker 1: some of the advantages just being in a black city,
• 30:34
  Speaker 1: a black city where when you go down to the
• 30:36
  Speaker 1: city hall, a lot of those individuals and officials that
• 30:39
  Speaker 1: are making decisions look just like you. They're the same
• 30:41
  Speaker 1: color as you are. Um, they're here is the same way,
• 30:44
  Speaker 1: et cetera. I just think that that is very very
• 30:48
  Speaker 1: helpful and very very inspiring, especially coming from a city
• 30:51
  Speaker 1: like Nashville, Tennessee. You know, I went to high school
• 30:54
  Speaker 1: and College in Nashville, Tennessee, originally from Detroit, and so um,
• 30:58
  Speaker 1: I've seen both side to the coin and how difficult
• 31:01
  Speaker 1: it can be when you don't live in a black city,
• 31:04
  Speaker 1: UM and you don't have the help of you know,
• 31:07
  Speaker 1: city hall and various council members and things of that nature.
• 31:11
  Speaker 1: I think some of the negatives is just some of
• 31:13
  Speaker 1: the influx of prime that we've seen here in Atlanta
• 31:16
  Speaker 1: due to covid UM and definitely was not like this
• 31:19
  Speaker 1: before the pandemic. We get a lot of people who
• 31:22
  Speaker 1: moved here from other cities, UM, A lot of people
• 31:25
  Speaker 1: who travel here, you know, from other cities, UM to
• 31:28
  Speaker 1: be able to take advantage of a lot of the
• 31:31
  Speaker 1: great things that we have here in Atlanta. UM. And
• 31:34
  Speaker 1: I think that we definitely need that uh revitalization and
• 31:40
  Speaker 1: reconstruction you know, down in city Hall. And it starts
• 31:43
  Speaker 1: with you know this this mayor race that you know
• 31:46
  Speaker 1: we're gonna have in the next four or five months.
• 31:49
  Speaker 1: So UM, I think that that's probably one of the
• 31:52
  Speaker 1: biggest negatives. Are really don't see too many outside of that. Hey,
• 31:57
  Speaker 1: you know, Atlanta is a great city and it's been
• 31:59
  Speaker 1: great and me so UM, I can't really come up
• 32:02
  Speaker 1: with too many negatives other than just some of the
• 32:05
  Speaker 1: things that we're battling down that we're due to the pandemic. Absolutely,
• 32:08
  Speaker 1: well stop, you know, always fantasy. First of all, I'm
• 32:11
  Speaker 1: happy to see the smile back. Okay. Secondly, I'm finally
• 32:15
  Speaker 1: gonna get to you on your restaurants and sit down
• 32:17
  Speaker 1: and eat with you and Dad, because you invited me
• 32:19
  Speaker 1: to a couple of testings taste testings, and I wasn't
• 32:22
  Speaker 1: able to make it. So that's my goal this year.
• 32:25
  Speaker 1: Congratulations are always success and I always keep me posting,
• 32:28
  Speaker 1: and I got album. I always gotta have my annual
• 32:32
  Speaker 1: you know, Snoop checking, Okay, it's stop check. Absolutely. I
• 32:35
  Speaker 1: appreciate you so much. It was so good to see
• 32:38
  Speaker 1: you this morning. Okay, Cool, you stay strong and we
• 32:40
  Speaker 1: talked soon, okay, Snoop alright, thank you. You have a
• 32:43
  Speaker 1: good one, okay. Cool. If you want to hear or
• 32:45
  Speaker 1: see any of my interviews on Money Making Conversations, please
• 32:47
  Speaker 1: go to money Making Conversation dot com. I'm with Sean McDonald.
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