In this episode, we talk about the new Rumble Chat and how we plan to make it more interactive. We also talk about our plans for the future of the show and what we would like to see in the future. Finally, we give our top business cards of the year and talk about what we are looking for in business cards in 2020. We hope you enjoy this episode and stay tuned for more in the coming days! 5 Star Potential is a Football Podcast brought to you by ! Featuring your Hosts: , , and . Our theme song is Come Alone by The Weebz Band. Our ad music is by Build Buildings. We are part of the Big Dawgs Radio Network. See all the great network shows on the air. Subscribe to our new sister channel, The Triple Threat Radio. Get exclusive ad-free versions of our shows on your favorite streaming platforms wherever you get your stuff! Subscribe, Like, and Share to stay up to date with the latest Football and League news and everything else going on around the world of Football and Chill! Cheers, EJ & Co. Cheers! - The Crew at The Crew - EJ and Co. - Cheers Cheers & EJ's Dad, Ej & Ej's and EJ is a proud sponsor of the podcast. . . . EJ gives you the best sports podcast in the world! Cheers get the best deal on the best deals on the road trip in the entire country! EJ has the best tailgate, the best coffee, the world, the most authenticest coffee and the best pizza in the best way to find the best places to get the ultimate fraternalism in the most chillest place in the whole country, and the coolest coffee and most authentic experience in the ultimate place to support the best of the best place to get it all that you can get the most of it all! , EJ gets it all at the best in the place to win it all around the best anywhere in the greatest of the world. Ej gives it all, and Ej gets the best tips and everything you need to know how to be the best at it s the best from the best and the only place to find it all and the most tips and most of the most affordable place to do it anywhere else in the country to be it all
00:01:20.000Yeah, right about there, right above me.
00:01:22.000And then we should be having a chat on the side for y'all that will be showing the YouTube stuff, which we're working on getting right now on the fly for you.
00:02:24.000But I got some creative ideas that RFP is safe to some degree.
00:02:28.000So yeah, we're going to be showing the Rumble chat because my thing is I want y'all to be able to see both chats.
00:02:33.000So whether you're watching us from Rumble or you're watching us from YouTube, etc., you guys are able to see what's going on, get the show more interactive, show y'all the chats.
00:04:06.000It's funny, too, because a lot of the people that hate on us and don't like us is because maybe we didn't bring them on the pod or we didn't respond to a DM or something like that and people get jaded and angry and they talk smack and it's whatever.
00:04:35.000If you want to be able to be We're good to go.
00:04:56.000Politically correct so to speak, but now we'll be on Rumble.
00:04:59.000Yeah, but yeah, so we're gonna we got some strategies on how we're gonna navigate that But don't worry we're here on YouTube well for now hopefully and We'll continue to be here and give you guys the value and you know at the end of the day the goal is to help you guys out New studios cut is gonna be coming in very soon.
00:07:30.000Because that helps us quite a bit as far as, you know, keeping things up and making sure that we can continue to give you guys this content.
00:08:21.000I can show y'all full crime scene photos, body cam footage that's graphic, too graphic for YouTube.
00:08:28.000So if you guys like true crime, if you guys like anything to do with law enforcement, criminal investigations, etc., serial killers, national security, terrorism, all that stuff, go to FedReacts, man.
00:08:40.000I cover pretty much every type of crime on there.
00:08:43.000And on Rumble, I'll be showing y'all...
00:08:47.000I'll show you guys the crime scene stuff, which I couldn't do on YouTube prior.
00:11:01.000We're going to get through this together.
00:11:03.000First, we're going to cover business credit cards versus personal credit cards.
00:11:09.000As you guys know, we talk a lot about personal credit.
00:11:13.000Your credit score, how high your credit score is, paying off your debt, all this stuff, because it's going to be very important for you to get your personal credit up to a certain degree and then go ahead and apply for a business credit line down the road.
00:11:26.000Now, can you apply for a business credit line with no personal credit?
00:11:47.000We tell you guys, you typically want to be 720 or above, and that will set you up for success.
00:11:51.000And even when it comes to getting a job, you know, renting an apartment, getting a car, personal, at the very beginning, you want to have that good credit because it's going to help your life regardless, so get it done.
00:11:59.000Yeah, so get the good personal credit, and then go ahead and use that good personal credit to go ahead and leverage and get yourself business credit.
00:12:07.000Well, what's the difference between having personal credit or what's the benefit?
00:12:11.000Like, if I got good personal credit, why do I need business credit?
00:12:13.000Well, there's three main reasons, right?
00:12:15.000With business credit, guys, you get a lot of the sign-up bonuses that these cards give you, which we're going to talk about here in a second when we go through some of these credit cards, right?
00:12:21.000You get a bunch of, you know, free miles.
00:12:51.000So as you guys know, if you're running a business, right, your spend is going to be significantly more than what you spend on yourself.
00:12:58.000But if you watch our other episodes on credit, one of the biggest factors when it comes to your credit score is utilization, okay?
00:13:04.000So let's say you have a personal utilization of $10,000, right?
00:13:08.000Like let's say all your credit cards, the lines combined, $10,000.
00:13:12.000Let's say you buy something for your business for $5,000.
00:13:15.000You spend $5,000 on your business, $6,000, whatever.
00:13:19.000But you do it on your personal credit cards.
00:13:21.000Well, what's going to happen is your utilization is going to go up to 60%.
00:13:25.000Well, what ends up happening, guys, is if your utilization goes up above 30%, it starts to negatively impact your credit score.
00:13:31.000And your credit score changes every week, right?
00:13:35.000If you're applying for a home or a mortgage, you're trying to get a car loan, etc.
00:13:39.000Like, that will ding you and hurt your credit score to a degree, and it could potentially put you in a situation where they're going to say, oh, this guy's not a trustworthy buyer.
00:13:48.000So, that's why you typically don't want to put business expenses on your personal line of credit.
00:13:53.000Because your utilization's going to go up.
00:13:55.000When your utilization goes up, it's going to hurt your overall credit score, which will hurt your trustworthiness when you apply for a line of credit.
00:14:05.000But when you use a business line of credit, they know that you're going to spend a lot more money to run your business than you would on, say, a personal credit card.
00:14:15.000So utilization doesn't have the same impact on your business line of credit.
00:14:20.000So that's why it's so important, because especially if you run a brick-and-mortar business, let's say you run a restaurant, you're going to spend a lot of money on food, Payroll, potentially.
00:14:38.000Maybe in the beginning you could do that just to get things going, but you want to switch to a business credit card immediately so you can go ahead and alleviate yourself of that burden of carrying that high utilization.
00:14:48.000We teach you guys how to decrease your utilization percentage by opening up more lines of credit and asking for increases on your credit line, which we've taught you guys before.
00:15:00.000Hey, I've been good with paying on time for the past month or whatever.
00:15:03.000Can I increase my credit line from, let's say, 2,000 to 5,000?
00:15:08.000And just by you doing that a lot of times, that will decrease the percentage of credit used, right, on the credit lines that you do have, and then your credit score is going to increase as a bipartisan.
00:15:19.000Give me once in the chat, guys, if that makes sense to y'all what I just explained as far as credit utilization and the importance of keeping it down and how a business credit line is not necessarily going to affect your utilization and lower your personal credit score.
00:15:30.000Give me once in the chat if that makes sense.
00:15:31.000I know that was a little all over the place.
00:15:35.000You're talking about leverage, because personal credit cards do have the place for the person, but at the same time, it will cost you because it affects you personally.
00:15:45.000Business, on the other hand, is more of like, you know what, okay, you spend the money on a business card, right?
00:16:13.000Then it'll go to your collections and personal.
00:16:16.000But at the same time, you have a time period where you can just use that leverage, get what you want for your business card, and at the same time, not have a thing on your credit score.
00:16:23.000And guys, the name of the game, and I want to make this very clear because this applies to all credit cards.
00:16:28.000Credit cards are basically you using other people's money To procure things that you were going to buy anyway, while simultaneously building your credit, building your trustworthiness, and keeping your own capital safe for a period of time.
00:16:46.000It gives you basically a 30-day grace period, or maybe more if you want to pay interest, to hold on to your cash for other more important things or emergencies and use other people's money.
00:17:04.000So if you're watching this show right now, and you use a debit card, I need you to cut that debit card right now and apply for a credit card.
00:17:13.000I don't care if it's a secure credit card.
00:17:14.000I don't care if it's a piece of crap credit card that doesn't give you benefits.
00:17:17.000It has an annual fee and it gives you zero benefits.
00:22:55.000But the problem is, when the roof has issues, let's say the bathroom has issues as well, let's say the sink is dripping, let's say things go wrong with your property, you have no reserves, what's going to happen is you can't fix it.
00:23:06.000And over time, tenants get upset, or even yourself, and then what...
00:23:11.000When you're house poor, you can't do anything about it.
00:23:13.000So my thing is, save the money from the very beginning, get a property, of course, but have a statement so that when things go wrong, you can fix it right away, or call somebody to fix it for you.
00:23:38.000So we're telling you guys that so that you don't end up in a situation where you get into the property and now you can't even put it on the market because you have something that won't make it rentable.
00:24:00.000But I'm going to break down for y'all setting up your LLCs, having a holding company for your LLCs, having bank accounts for each LLC so that that money is there that you can use for each property, etc.
00:24:10.000But the main point I want to tell you guys is peace of mind.
00:24:13.000Because peace of mind means you get a property, you know you have savings, so no matter what happens to your property, you can cover it without any shadow of a doubt.
00:24:46.000So what you got to do, bro, is you got to go over, and Rumble's going to fix this.
00:24:49.000We're talking with the CEO about this.
00:24:51.000You got to go on Safari on your phone or Google Chrome, whatever your browser that you're going to use, and then open up Rumble there, and it's going to have a subscribe button.
00:24:58.000And then you hit subscribe once you click the channel.
00:25:00.000So you go to a live episode, or when it's already been aired, you go to your chat, it'll say subscribe at the right bottom.
00:25:13.000To make it easier for y'all, we're going to get the Streamlabs thing going too for the YouTube guys so that they can just click that link and go in and bam, we'll be able to...
00:26:49.000And he told me he had the day picked out, he had the tree picked out on a hill in the UK, that he was going to go ahead and end it all, right?
00:26:57.000And the only thing that held him back is he was waiting for good weather so he could look at something beautiful before he passed, right?
00:27:03.000And two days before he was going to do it, he stumbled upon our podcast.
00:27:09.000Started binge-watching it and said, I'm not gonna do this anymore.
00:27:13.000In other words, he turned into Leonardo DiCaprio.
00:28:01.000And that's why, because, again, from my prior profession, I've saved lives.
00:28:05.000I've actually literally went out and saved people's lives.
00:28:08.000And I'm doing the same thing here, on a bigger scale, on a worldwide scale.
00:28:11.000This is someone from the UK. I get messages from guys in Australia, get messages from guys in other countries that aren't even English speaking, right?
00:28:18.000Saying that, yo, we need to translate your content to Portuguese, to Spanish, to Arabic, to Russian.
00:28:51.000And it's like, okay, we add value every single day, but when someone takes the advice that we give for people to follow and actually apply it, it works in real time and real life, and they get results.
00:29:00.000So, I mean, honestly, man, these people get pictures with people, maybe they're fans, but do they add real value?
00:29:31.000A lot of people aren't going to open up about something like that.
00:29:33.000That's a very difficult situation, very traumatizing situation.
00:29:36.000So, you know, it is what it is, and I'm like, damn, well, if we aren't on YouTube, it's going to be very difficult for people to find us to get the message.
00:29:42.000And then, people are making fun of that video, but you don't understand, like...
00:30:48.000That's a big reason why we went viral, because on TikTok, whatever, we'd go viral, and then they'd, oh, misogynistic podcast, blah, blah, blah.
00:31:02.000You understand, like, at the same time, you guys laugh and say it's funny, but it's not, because if you were in our shoes, you would understand it takes a sacrifice that most people don't want to give up.
00:34:30.000Steven Jones says, I'm a full electrician and just started my LLC. With contractors licensed for the LLC, getting my S-Corp, need help with marketing ideas, and company credit cards.
00:34:40.000Let's drop off business cards on doors.
00:34:43.000So I guess he wants the marketing tips, basically, for his business.
00:34:47.000I mean, bro, honestly speaking, we did a show with Jeremy, right?
00:34:56.000Because the old school way of doing hard-knock, guerrilla stuff is cool, but people don't really respond to that like they used to, so I'll do online tactics now, if anything.
00:36:46.000Debt on your personal debt, because it's a business credit line, so it doesn't affect your personal credit to the same degree, so you can charge more.
00:36:53.000Also, business credit cards typically tend to give you guys higher limits, which is good.
00:36:58.000And then it allows you to build your business credit, which is good.
00:37:02.000So the credit is tied to the business versus your personal name.
00:37:11.000And okay, so we're going to go ahead and name some of the best business credit cards for y'all, which me and Fresh have some of these so we can talk to you guys from a personal experience standpoint.
00:38:46.000But you can go to like, I guess, Ali something card express.
00:38:49.000You can go there as well and get that same card for like 200 points.
00:38:52.000So you can get more points from alternate websites than the real one as well.
00:38:55.000And then sometimes there's benefits that you get with a credit card where if you sign up in branch that you might not get when you sign up online.
00:39:04.000So the point I'm trying to make, guys, is make sure before you sign up for the credit card, Because sometimes people advertise and tell you, oh yeah, look at all the benefits this credit card gets.
00:39:13.000Go to the live website and see what their current benefits are because they're always changing it around every year, every season, etc.
00:39:20.000Because the credit card market is so competitive and they're constantly nerfing cards.
00:39:25.000Or, find a friend that has that card, get a referral code from them, you both win.
00:39:52.000And I actually suggest, and we talked about this in our other episodes, if you have a personal, like let's say you have a Chase Bank account, right?
00:39:59.000Well, getting a Chase credit card might be a good idea for you because it's going to be easier for you to go ahead and get around the application process.
00:40:07.000You might be able to, if you have a degree of history with them, it'll be easier for you to get approved.
00:40:12.000And hopefully you're not a negative account or you're a Chase account.
00:41:52.000You basically were able to leverage a credit card, turn it into cash, take that cash, use it to go buy a real tangible asset, that asset pays you back money real time, now you own that property, you control that property, it's giving you tax benefits, it's giving you real cash flow,
00:42:07.000it's giving you depreciation, it's giving you cost segregation, which was gonna knock down your tax bill significantly, and that property is gonna appreciate over time!
00:42:16.000See, I wish I knew this at 18 years old, bro.
00:42:40.000And I told a story of my friends, sorry, people that I knew early on in my career, where they spent their whole time getting store credit cards like Macy's, you know, Dillard's, and they would go shopping with those cards and never pay them back.
00:42:53.000And then they get older, oh, I want to go buy a house.
00:42:57.000Well, sorry sir, you spent your whole young career buying clothes and not paying for the card.
00:43:03.000I mean, common sense would tell you you gotta pay by your debts.
00:43:06.000But again, personal debts are terrible.
00:43:09.000Business debts can be assets which can help you in the future.
00:43:13.000All right, so let's pull up that screen with some of the best credit cards, and we can kind of go through them one by one.
00:44:39.000But, it does cash back as well as the many other benefits.
00:44:43.000So, cash back is a very good, let's say you don't have a business yet, or you're just a college student or whatever, or you're just a guy that just wants to get some kind of credit card reward.
00:44:51.000Cash back credit cards are your best friend.
00:47:44.000And then, like I said before, there's more points here.
00:47:47.000Now, you get a one-time bonus, actually, of $750.
00:47:52.000So that's pretty big, because you pretty much get a free card, because there's no annual fee, and you get a cash bonus of $750, if you want to, with the points.
00:48:08.000You can earn up to $1,200 free money your first year.
00:48:11.000That may fluctuate depending on when you get the card, but whatever amount it is for that month or whatever you got to spend, just spend that amount.
00:48:17.000And if you're spending money in business anyway, you can spend the money regardless, so get points for it and you get cash back too.
00:48:21.000Yeah, guys, please just don't buy stuff in cash or with your debit card.
00:49:39.000You can highlight it real quick, Bill, so they can see it.
00:49:41.000And here's the best part about this card, too.
00:49:43.000So a lot of cards give you this benefit, guys, where in the first month or two or three months, you're able to spend a certain amount and you get certain money.
00:49:50.000So remember, it says, Is business unlimited?
00:49:52.000Well, my friend, that does go a long way because you get also unlimited rewards with no limits, which means you can spend on this card forever and get rewards no matter what.
00:50:04.000Versus other cards, there's a limit to how much money you can spend within that year, and then rewards stop for that card.
00:52:21.000That's why I tell y'all, you should always have an American Express card.
00:52:28.000A Visa card, a MasterCard, and then if you want, a Discover card.
00:52:32.000You know Discover's trash, in my personal opinion.
00:52:36.000But I will say that Discover has some of the best benefits.
00:52:42.000They have a very good beginner credit card.
00:52:45.000I think it's called the Secured It credit card, or Discover It, the Secured.
00:52:51.000That's a very good beginner credit card to kind of get your feet in the door and then you can go ahead and turn it from a secured credit card into an unsecured credit card because you have to basically put some money down to get it started, but it's a fantastic beginner.
00:53:04.000But in general, Discover kind of sucks if I'm going to put it on a hierarchy.
00:53:08.000Visa and MasterCard are the top two, right?
00:53:12.000And then Amex is right there, a very close third.
00:53:14.000If you're in the United States, you should be good with Amex wherever you go most of the time.
00:53:17.000But when you go to like smaller rinky-dink places, or if you're like at a swap meet or something like that, and they do accept credit cards, but they don't accept MasterCard and Visa, always have one of those cards handy because they won't take American Express.
00:53:29.000And the big reason why they discriminate is because American Express has high processing fees.
00:53:33.000All right, so let's keep scrolling down here, okay?
00:53:36.000Let's see what else benefits they have.
00:53:38.000And again, guys, run the website because they're always changing it up.
00:55:18.000You're going to need to transition over to an LLC and an S-Corp at some point.
00:55:22.000However, If you're watching this show right now and you have a sole proprietorship, you can still get these business credit cards under the sole proprietorship.
00:55:29.000But please switch on over for the tax benefits after the fact.
00:55:33.000But you don't necessarily need a business, guys, to get these business credit cards.
00:57:16.000But the Premier, $1,000 bonus cash back after you spend $10k in the first 3 months.
00:57:21.000So if you're a business owner, you buy supplies, you buy stuff for the business, you might buy, I don't know, Travel, plane tickets, that all adds up to $10k, and you get $1,000 back for spending the money on your card.
00:57:34.000And then, of course, 2% unlimited cash back on all purchases, which is pretty good as well.
00:57:38.000So this means the other one we saw was unlimited, $1.5k, but you get 2% back on everything that you should buy.
00:57:45.000And then, of course, 2.5% total cash back on every purchase of $5,000 or more.
00:57:50.000So the more you spend, the better for you.
00:57:52.000$5k is the minimum for that 2.5% cash back on everything you spend.
00:57:57.000It's pretty much the same card after that.
00:57:58.000So other than that, it's a charge card.
00:58:00.000So you must pay it back in 30 days in full.
00:58:17.000Actually, I'm glad you said it because with Chase, if you bank with Chase as well, they can see your income pretty much, or the money coming into your account.
00:58:24.000So, when you need a credit increase, hey man, I've been making this much money a month, you can see it coming into my account, I need to increase that credit limit.
00:58:37.000But yeah, so if this comes to shove, guys, and you can't do it, and you got one of these charge cards, because an Amex plan is a charge card too, we're going to talk about that.
00:59:04.000But if you can find a relationship banker in your town or with your bank, become cool with them because they'll tell you benefits that you wouldn't get online or they might have a special...
00:59:14.000You know, incentive behind the scenes that they'll give to you because you're their boy or their girl.
00:59:18.000So at that point, have that relationship built with that person because you get benefits you will not see on paper.
00:59:23.000Real quick announcement for y'all, by the way.
01:00:11.000If not, then, you know, it is what it is.
01:00:12.000It'll take you over and you just put in what you want to donate and then, yeah, that's what's going to happen.
01:00:18.000So thank you guys so much for supporting, you know, whether you want to support on Rumble Rants, on YouTube, you know, we really appreciate it.
01:00:34.000You guys, and by the way, if you guys are liking this information, please do me a favor.
01:00:37.000Like the video on YouTube because we want to definitely get this out there in the algorithm so more people can get this type of information, learn from it, become better from it, and be able to start a business and not drag themselves into the ground, man.
01:00:59.000Yeah, as soon as you're able to, guys, if you start a business, get that business credit card, man.
01:01:03.000You really don't want to tie up your personal credit with business credit, because depending on what type of business you're doing, you can easily spend a lot of money.
01:01:11.000Especially if you guys are in the restaurant business, you guys are in the brick-and-mortar type businesses, you're going to be spending a lot of money, dude.
01:01:36.000So, this is a hotel card slash travel card because, obviously speaking, it's for Wyatt companies, which is basically a hotel you can go to pretty much anywhere in the world.
01:01:45.000But I would put it above Marriott because they're more established, more, I want to say, luxury, so to speak.
01:01:50.000But higher credit cards are very good because you get a huge bonus at the welcome sign-in, which is 60,000 points.
01:01:56.000I've never held a hotel credit card, so educate me on this.
01:01:59.000So basically, our family, they travel all the time.
01:02:01.000And they go to Marriott, they go to Hyatt, wherever they can, they stay at those hotels because obviously they get points for staying there.
01:02:07.000However, if you own a Hyatt or Marriott or type of hotel card yourself, you get extra points because one, you're a cardholder, but two, you get benefits for even going to that hotel.
01:02:18.000Now, For most people, they're like, okay, you know what?
01:02:21.000I stay normally at a, you know, what do you call it?
01:02:58.000So let's say you're an avid Hyatt user.
01:03:01.000This card is perfect because, once again, you can stay at Hyatt anywhere in the world where you go.
01:03:05.000And everything you spend on that card, it goes to worth points for that hotel stay.
01:03:09.000So it works wonders because, honestly speaking...
01:03:11.000Whenever my homie travels, they travel for free.
01:03:14.000So they can sit at Marriott, it's a free stay for five days, four days, because they spent all the money on their cards to go towards their points.
01:03:30.000And as well, let's say you get that welcome bonus, your first travel when you stay at the hotel is free because that welcome bonus goes towards your points.
01:04:20.000So there is an annual fee for this card, of course, 200 bucks, but obviously the benefits, they'll weigh the cost of the card itself, and as well, you need a good credit score.
01:04:29.000So just hit play now real quick, if you don't mind.
01:04:55.000You get 60k bonus points just for the sign-up after you spend $5,000 on purchases in the first three months, which is pretty good.
01:05:02.000And you get three free nights wherever you travel to with Hyatt.
01:05:06.000So it's pretty dope if you're an avid Hyatt traveler.
01:05:10.000And of course, there's a $200 annual fee, but other than that, you can't really lose because you're getting more value for that than the actual cost.
01:05:17.000And Viper Style said long live, fresh and fit, 10 bucks.
01:05:37.000But that's it for the Hyatt card, basically.
01:05:39.000So basically, whenever you travel, if you've got a Hyatt card, you want to stay there for maximum points, and you can stay there for free nights as well, the more points that you actually get.
01:08:38.000So, okay, maybe it makes sense because I'm only going to fly United to get out of here to go home.
01:08:44.000So, back then it would have made sense to get one of those credit cards.
01:08:48.000But, if you live in a major city, you've got a major airport, why would you want to limit your ability to buy a plane ticket based on the credit card that you carry, if that makes sense?
01:08:58.000Because you might be able to find a way cheaper ticket Spirit!
01:09:07.000It might be better for you to just kind of go through with just using a catch-all credit card, a catch-all travel card, versus having one specific for the airline, right?
01:09:17.000Unless you exclusively use that airline because of some situation, right?
01:09:22.000Well, I think if someone's hiring you and you travel back and forth on that airline, then it's fine because that's your airline you use all the time, so it makes sense.
01:09:28.000But other than that, it's kind of niche, so I wouldn't really use that card myself.
01:11:52.000So you might have people, whether it's an assistant, someone that's helping you out, whatever it may be, that they just need to have a card, right?
01:12:21.000He has a card, he can spend it, boom, done.
01:12:23.000So if he's paying contractors to fix something or a roof or whatever it may be, a plumber coming in fixing something, we use that card, bam, and everything is tracked, right?
01:12:35.000This is very important when you have employees or if you have assistants or you have people helping you out, and you might not necessarily be buying supplies or whatever, so they can go ahead and handle all that for you, okay?
01:12:44.000So, and you're able to give these cards out without getting charged.
01:12:47.000A lot of credit card companies will charge you for making multiple of these cards.
01:12:50.000The best part is all charges go to the same place.
01:15:42.000So earn 70,000 membership rewards points after you spend $10,000 on eligible purchases with your card in the first three months of card membership.
01:16:51.000APR on purchases will be a variable rate between 19% and 27% based on your credit worthiness and other factors determined at the time of account spending.
01:17:13.000Well, yeah, we talked about that, except that in most places in the United States, but we gave you guys the caveat that if you're at like a small, like local mom and pop shop, they might not want you to use Amex because of the high credit card fees.
01:19:28.000If you are at a business and they fly you to LA every two, like twice a month, four times a month, and you got to pay with your own card, you get this card, it makes sense because you get points back and forth, you get free flights, all that stuff, so it makes sense.
01:19:42.000Yeah, but I would suggest having these niche cards, right, whether it's a certain airline or a certain hotel branch, only if you use it all the time.
01:19:51.000If you don't, then I suggest you get more of a catch-all travel credit card or getting a catch-all business credit card, etc.
01:24:24.000It's the reason why this card is carried by a lot of entrepreneurs, a lot of successful people, a lot of people that don't even have a business that just want to have a good credit card.
01:24:32.000This is probably the best travel credit card that you can get.
01:25:02.000And guys, just for the people that are watching on YouTube right now, if you want to super chat your question in, we got the link at the top of the description and also pinned.
01:25:10.000Go ahead and send your message in there.
01:25:32.000All they did was motivate me to go even harder, which is why we got the new equipment going on, new equipment coming in, new studio coming in.
01:28:01.000Thank you for helping young men like me.
01:28:03.000I left my toxic ass, changed jobs for $30,000 more a year, been going to the gym consistently, and bought a house, and have a two-year tenant in there now.
01:32:49.000You're going to have to pay property taxes on the house that you buy.
01:32:55.000So, yeah, dude, I would say get your tax situation handled first, right, and see what you might owe before you go ahead and get into the situation of buying a property because that could come back to hurt you.
01:34:48.000Okay, Apollo, tip five bucks, he said, hey, Fresh, you made me realize I wasted my earlier 20s by chasing low-value women instead of building my kingdom, using you and Fresh's way of thinking to increase my bag, get in better shape, and vet these 304s.
01:34:59.000Replace, don't chase, WFNF. We got you, Apollo.
01:35:26.000Is a good business credit card as well.
01:35:28.000It's kind of a pain to get, but it's a good business credit card.
01:35:31.000Is there a possibility to have personal credit cards to use for business purposes or just keep strict watch on things I charge for my business and which for personal, which is what I have been doing?
01:36:10.000I was like, okay, we're starting a business here.
01:36:11.000I don't have my everything set up yet.
01:36:13.000I'm going to just use this card for this, for business expenses.
01:36:16.000Then I used all my other personal cards for whatever else.
01:36:19.000And then what I did was, when it was time to do taxes, because I got a business credit card later that year, I gave like six months of that personal credit card statement, and then I gave the other six months of the business credit card statement to my accountant.
01:36:30.000So that way, guys, it's all about documenting it to make it easier so that when tax time comes, you're able to properly document your expenditures.
01:36:38.000So it's okay to use a personal credit card at the beginning, but what I suggest is use one personal credit card for your businesses just to get things going.
01:36:44.000Switch over to that business credit card as soon as you can.
01:36:47.000Remember, we told y'all you could do it with a sole proprietorship.
01:38:26.000Either on a work visa or move here and get married.
01:38:29.000But the point is that, like, you need to always have an option outside of what you have because your current environment where you are in Barbados may not be applicable to make you grow.
01:38:37.000So I would say get out as soon as possible.
01:40:26.000And we're going to figure out how to put y'all chats on the screen.
01:40:28.000We're going to figure out, hopefully, by the next show.
01:40:31.000Hey, Fit, you made me realize that I wasted my earlier 20s by chasing low-value women instead of building my kingdom, using you and Fresh's Way of Thinking to increase my bag, get in better shape, and vet these 304s.
01:42:57.000It's making money, getting girls, being attractive, getting in shape, not being fat, understanding how to be attractive, how to not be a loser.
01:44:21.000You were never able to measure the impact FNF have on saving people's lives, nor will it be publicized, but I promise it's serious, and the real ones are thankful for everything.