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Sabrina Kaylor with Bizarre Coffee Company

April 25, 2023 by angishields

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Cherokee Business Radio
Sabrina Kaylor with Bizarre Coffee Company
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Sabrina-Kaylor-Bizarre-Coffee-Company-bwArtist Sabrina Kaylor, founder of Bizarre Coffee Company, an independent coffee shop specializing in hand-roasted, small-batch brews throughout the year, located in the heart of downtown Canton, Georgia.

Bizarre Coffee Company believes in embracing all humans for exactly who they truly are and celebrating all the unique things that make them, them. Because, without a world of weird, life would be really boring. Sabrina-Kaylor-Bizarre-Coffee-Company

Follow Bizarre Coffee Company on Facebook and Instagram.

 

This transcript is machine transcribed by Sonix

TRANSCRIPT

Intro: [00:00:07] Coming to you live from the Business RadioX studio in Woodstock, Georgia. This is Fearless formula with Sharon Cline.

Sharon Cline: [00:00:18] Thank you for joining us here on Fearless Formula on Business RadioX, where we talk about the ups and downs in the business world and offer words of wisdom for business success. I’m your host, Sharon Cline. And today on the show, we have the founder of Bizarre Coffee Company, which is a it’s an independent coffee shop specializing in hand roasted small batch brews throughout the year, located in the heart of downtown Canton, Georgia, but also soon to be Woodstock, Georgia. Please welcome Sabrina Kaylor. Hello. Hello.

Sabrina Kaylor: [00:00:49] Thank you for having me today.

Sharon Cline: [00:00:51] Oh, my goodness. I’m so excited to talk to you because I have been to your shop so many times and I just think it’s amazing and it’s it’s unique. And that’s what’s, like awesome about it is like here you made this company kind of on your with your own thoughts, your own inspiration, and look how well it’s doing, expanding, you know, to Woodstock.

Sabrina Kaylor: [00:01:10] It’s really exciting. I’m so glad that you enjoy it there. It really just enforces everything that that we’ve done so far.

Sharon Cline: [00:01:17] So let’s talk a little bit about your background. I know that you had gone to college. I read that you had gone and gotten a degree in business in sales, but that changed after a while. Like you didn’t continue on that path, right?

Sabrina Kaylor: [00:01:30] I graduated. I did competitive sales in college, just really trying to bulk up my resume before I actually graduated. You know, we spent a lot of money to go to college, so I had to make sure that everything was as full as it could be. I specialized in marketing, so I did a lot of that. But once I graduated. I didn’t want to do sales. I think it was a. Uh, almost like a test to see how good I could get at it. And, you know, would recruiters want to try to recruit me? And they did. And it just wasn’t in line with with where what I was feeling. And. And then I started painting.

Sharon Cline: [00:02:12] So I know it’s kind of amazing when you think about it, the fact that you did like painting before, but it wasn’t something that you thought, This is going to be my future. Obviously it must be challenging to to know that you had your path. You really thought it was going to be this way, and then it kind of it didn’t fit to your spirit. But most people stay, you know. Well, this is what I invested in. This is what I did. This is my future. I’m building on it. How did you kind of decide what was the sort of way that you were able to kind of make peace with leaving it and getting into art?

Sabrina Kaylor: [00:02:41] So there was an actual specific moment. I mean, as a human in general, I would say I’ve always been somewhat rebellious, so to speak. I definitely tried to push the boundaries at every corner growing up at every phase, just differently. And once I graduated college, I felt like I spent all of this time over the last 4 or 5 years doing things for a specific purpose. So I went to college to get the degree to hopefully get the job to do this. I was working all the time to make money to do that. I was going to the gym to make sure I say, you know, like it was all for this major purpose that once school ended and I was transitioning into this next phase. I really didn’t know of anything that I could do to be happy. Like in that moment right then and there, simply for that reason and. I had to think back of like, when? When was that? And it was really just like being fun and free and creative. So I whipped out a bag of little Publix bag of old paint that I had from high school that I had been toting around through the years. And I had a piece of paper and sat at my dining room table and started painting. And then the next night I came home, I was like, Oh my God, that was so fun. You’re making something out of nothing. Let me do it again. And then we do it again. And then one night I came home after work, and I painted for eight hours straight. And I didn’t even realize what time it was, you know, like in that full flow. And that’s what I knew.

Sharon Cline: [00:04:11] It’s amazing because I think a lot of people, if they haven’t had that kind of creative moment where you almost are like something exists now that didn’t an hour ago, is this kind of an amazing feeling? It’s I’ve been in that kind of moment where I used to write a lot of music and I’d be like, Oh my gosh, this song, it’s out there in the world. And I didn’t even know, you know that. Where did it even come from? You know, it is kind of like a high almost. It is.

Sabrina Kaylor: [00:04:34] Absolutely. It’s the best way to describe it.

Sharon Cline: [00:04:37] A natural high, I should say.

Sabrina Kaylor: [00:04:38] Yeah. And you get to see something that like was on paper. Is it anything like what I paint now? No, because just like anybody else, I was just picking it up.

Sharon Cline: [00:04:46] Yeah. You evolve, right? Yeah.

Sabrina Kaylor: [00:04:48] And I just kept doing it and kept doing it and I was like, I definitely want to do something in my career with this.

Sharon Cline: [00:04:54] There’s got to be a way. So the next step, you started to get involved in different art shows?

Sabrina Kaylor: [00:05:00] Yes, I did all sorts of art stuff in Atlanta. Any pop ups and, you know, small things sold online wasn’t wildly successful, all just like any I mean, it’s really hard to be an artist. So a lot of times we were barely making profit or breaking even. You know, my husband out there on his days off helping me try to sell art.

Sharon Cline: [00:05:24] And we were talking before the show about what it’s like to be an artist when you don’t, you know, when you kind of have your idea of how you want it to go and you don’t want to sort of go the mass route like making prints or whatever, how to stay true to that and still be successful. And I can’t imagine the pressure of it trying, but well, then that probably led you to what you’re doing now, right?

Sabrina Kaylor: [00:05:43] Yes, it did. It’s funny because prior to diving into art, I did always love coffee. I spent my high school years at a Dunkin Donuts. It evolved to a Starbucks when I was in college and I spent a lot of time there. And my first business plan I ever wrote was for a coffee company. I’ve got five variations. Some were shops, some were custom making companies. I’ve always been into entrepreneurship and that side of life as well. So it’s just interesting how that evolved. It was kind of like the thing that I knew I would do. I just didn’t know when or how or why.

Sharon Cline: [00:06:20] How did it all come together.

Sabrina Kaylor: [00:06:21] Right before COVID.

Sharon Cline: [00:06:23] Right? So I remember going to your shop and it was during COVID. And I think I think I must have had a mask on. But I was like, how are you guys doing? And you were still open. And I loved seeing that because so many companies didn’t survive it.

Sabrina Kaylor: [00:06:38] So yeah, I mean, we we got our coffee shop and opened in December of 2020, but we were first out at the Canton Farmers Market in. June of 2020.

Sharon Cline: [00:06:48] So when you talk about how you were branding yourself as bizarre coffee, how did you come up with the logos or sort of the angle that you wanted?

Sabrina Kaylor: [00:06:56] When I saw it and I was like ready to make the step into doing a coffee business was right after I had just sold the most art I had ever sold, which was during COVID. My husband sold on Facebook Marketplace. We sat, we set up our living room like an auction, and he wore a button up and a whole thing. And we sold my art because, you know, of course, just like anybody else, I was in marketing. I lost a bunch of clients.

Sharon Cline: [00:07:22] But still, that was really cool. Wait a sec. That was amazing. What a great idea. Holy cow. And it.

Sabrina Kaylor: [00:07:27] Worked. And that’s when everybody was on Facebook live. Yeah, we sold, I think, 25, 26 original pieces. We shipped them out. And, you know, it was before then that I was like really getting back into art. And I was also doing this, this coffee. I was designing the bags and and doing all of that. And I was like, There’s got to be a way. There’s got to be a way. Art might not have done its thing by itself, but if I pair it with a commodity and something that people can really latch on to and appreciate in a different way, like maybe it’ll get my art into people’s houses in a, in a new way. And that’s where Bazaar coffee came. When I designed the logo I pulled, I was painting these weird eyeballs and I pulled that and I threw it in the middle and I was like, Oh, that works. And the nature of the business being bizarre coffee, I knew that it would it would be sustainable as an artist would evolve through a period of time.

Sharon Cline: [00:08:22] Wow.

Sabrina Kaylor: [00:08:23] You know, so there wouldn’t be like a strict box. I mean, it’s bizarre coffee. You can just keep it weird and keep it moving. You know.

Sharon Cline: [00:08:30] You can do whatever you want as a side question, Do you remember the first time you sold a piece of your art? The first time? Yeah, the first one you sold and sort of were like, I, I am I am a professional artist.

Sabrina Kaylor: [00:08:44] I don’t I don’t think I still to this day, like, I’m not a professional artist. Yes, you would know. Like, it doesn’t feel that way, you know? So when I was selling it, it was like, oh, like, do they even really like it? Like or do they just feel bad for me? I don’t know. I don’t remember exactly. But even even to this day, I think back of people who own my pieces, I’m like, I hope they didn’t give it to Goodwill when they moved. Oh my God, I hope they still like it.

Sharon Cline: [00:09:09] Like if you walk through a goodwill and you’re like, I would be mortified.

Sabrina Kaylor: [00:09:12] But you know, it happens to the best of the artist, so.

Sharon Cline: [00:09:15] Well, it would be worth a ton. Like on Antiques Roadshow. Exactly. Exactly. Okay. So you were obviously looking into finding a well, first you started off at your farmer’s markets and then you realized that you needed a real shop. Like a storefront?

Sabrina Kaylor: [00:09:33] Yes, a storefront was always the goal. Okay. But the farmers market was really a way for us to test the brand and and the coffee itself. Are people resonating with what we’re putting out there? Are we getting good feedback? Is it interesting? Are people enjoying the coffee? Are they buying it? And we got really amazing feedback. And the community of Canton, you know, shout out Cherokee County in general has all been amazing and the people were just awesome. So we we were definitely looking for a spot. We just weren’t planning on moving as quickly as we did.

Sharon Cline: [00:10:07] Gotcha. Sometimes things just open up timing wise that you have to jump on.

Sabrina Kaylor: [00:10:11] Yes, absolutely. And that’s exactly what happened. Somebody was getting rid of a spot. It was right near where the market was. We did the the transaction in two weeks and we were open doors for two weeks.

Sharon Cline: [00:10:25] So I well, I can’t imagine what that felt like. Like hurry.

Sabrina Kaylor: [00:10:29] Yeah. Everything was just insane. There were so many nights that my husband and I looked at each other like. We sign that paper, right like we did. That means like, we have to do this and we have to do it well. Anything that I’m signing, you know, I’ve got to make sure that we make we do our we.

Sharon Cline: [00:10:46] Honor what we say. So when you go into your store, do you call your store? What do you call it? Shop. Shop. It’s full of beautiful art. That’s your work. That must be so exciting to walk in and see.

Sabrina Kaylor: [00:10:58] I do. I’m glad that everybody else loved it as much as I did. Oh, it’s really cool to hear.

Sharon Cline: [00:11:05] It’s up the wall and everything. I mean, it’s beautiful, it’s colorful and it’s cheerful, which is, you know, you don’t realize. I don’t. I know how much I’m impacted by the environment of something when I walk into a store or a place. But you really get the vibe in a it’s a happy vibe in your place. Plus, people are happy to be drinking coffee. Yes, I love it.

Sabrina Kaylor: [00:11:24] The good mood juice.

Sharon Cline: [00:11:25] The good mood juice. That’s right. That’s what’s on your cups. So did you come up with that logo? I did a phrase. That’s awesome.

Sabrina Kaylor: [00:11:32] I wanted to evoke the feeling that we were trying to create every time. So you knew that the vessel was the coffee. Everything else was. Was an exchange of energy. Whether it was you walking into the space, talking to a customer or talking to an employee, and that it was all being transferred through the actual vessel itself.

Sharon Cline: [00:11:50] So when you moved into this place, here you are a new business owner, basically, like with a physical store. What’s what was the most surprising to you? As you became an established business, like with a physical store.

Sabrina Kaylor: [00:12:06] Most surprising would be how quickly things break.

Sharon Cline: [00:12:11] Oh, no.

Sabrina Kaylor: [00:12:14] And. How hard it is to to build a team and train people and, you know, just the restaurant component in general. My husband and I have worked at many restaurants, but being in charge of it for the first time, front of house, back of house, everything involved was definitely a challenge.

Sharon Cline: [00:12:34] Because you don’t just have coffee, you serve food as well. We serve smoothies.

Sabrina Kaylor: [00:12:37] And then a kitchen, and that means inventory and food and training and all of that too. So we just I mean, we just bootstrapped. We we learned as we went and made mistakes.

Sharon Cline: [00:12:47] But is there something you wish you knew beforehand besides besides something breaking, you know, things breaking easily?

Sabrina Kaylor: [00:12:55] I think if we had a better understanding of like food and like inventory in general, I think is one of the biggest hurdles for us and I’m sure for other people. Um, I think that that is a business is, is very hard.

Sharon Cline: [00:13:11] Especially in the pandemic when you don’t know how many people are going to come into into your shop or now there are lots and lots of people, right?

Sabrina Kaylor: [00:13:19] You have no clue. And for us, you know, our shop is very small, so we can’t even keep an excess.

Sharon Cline: [00:13:26] I heard I want to say, who was it that I was? Lori Sutton of bananas and beehives. She was talking to me about how great you all are, and she said, You have a separate roastery. Is this correct? It’s down the street. It is. So initially, did you have this?

Sabrina Kaylor: [00:13:40] No, we opened that about a year and a half, maybe even closer. So we celebrated two years in December and the roastery was opened in September. October. Where did.

Sharon Cline: [00:13:51] You roast.

Sabrina Kaylor: [00:13:52] Everything? So everything was roasted at a contract roaster. So it was a small batch roaster. Gotcha. We worked with him really closely. There’s a lot of ways that you can start a coffee company and some involve you can do it online and the they’ll stick a bag, a label on a bag and send it to you and you can claim it as yours. I worked a little bit in the in the coffee roasting world prior on the marketing side, So I was aware of kind of what the specs were if you wanted to start it. But it’s a lot of overhead, even more so. Well, maybe not more so. But you know, to have a shop and a roastery. So when the testing phase, we found somebody who was doing really small batch who would let us. Be all hands in. So sourcing, testing, tasting, packing, grinding, all of those. I wanted to touch it, feel it, see it and be part of it. Your baby. Before I put something of mine and put it out into the world. So that was really lucky for us to find somebody who was in that position where they were just starting. They had a small operation and we could be part of that, and we were where we were very lucky to have that. Not everybody does. It’s not very accessible. So yeah, that’s what we did.

Sharon Cline: [00:15:06] Not everybody has a drive either, right, to to even want to do that.

Sabrina Kaylor: [00:15:09] Yeah. Or to find it, you know, like, I’m really good at asking questions and reaching out to people. So, you know, I just try. In the worst cases, the answer is no.

Sharon Cline: [00:15:19] But, you know, I have a rebel spirit, too. That’s actually the name of my company, has the word revel in it, because I don’t think being a rebel has a negative connotation to it at all in my mind. I think of it as I know that my idea is like, who I am doesn’t really fit into what traditional society loves, right? So I consider it a positive. Like, I’m not afraid to ask questions either, but I think that that’s kind of something that that works in your favor because if you hadn’t and.

Sabrina Kaylor: [00:15:50] I think that people are just afraid. They’re afraid of rejection. So they don’t and they don’t ever ask. But really, the worst case scenario is the answer is no, in which you’re in the same position that you were prior.

Sharon Cline: [00:16:02] I think this is a huge lesson moment because for fearless formula, that’s the whole goal is to how do you navigate around what makes you afraid, which is so many things in life to be afraid of thinking about, like, where are we going to have a shop? How is this all going to happen? I don’t know anything about this. You know, it can be very overwhelming and the unknown is terrifying. But even that, like being afraid to hear the word no, I know a lot of people that don’t take steps because they don’t want to hear a no no.

Sabrina Kaylor: [00:16:29] Exactly. And you get desensitized to it once you hear it enough.

Sharon Cline: [00:16:32] Someone told me that that there was an experiment. They had somebody walk around. Maybe it was This American Life. I listen to podcasts where they walked around and all day they had to ask questions to where they knew they most likely would get a no. And all day they got knows about whatever it was they asked. But by the end of the day, they did not have that fear anymore because what was going to happen had nothing.

Sabrina Kaylor: [00:16:54] Nothing? No. Okay, cool. Moving on to the next person. Right? Just answer the question so I know where I’m at.

Sharon Cline: [00:17:00] Right. Do you think that your personality, because you have that kind of like want and bravery, I guess is a better word or maybe just drive that it lends so well to what you’re doing now? That’s what I think.

Sabrina Kaylor: [00:17:14] I definitely think that that is a huge factor specifically because it’s not like it’s not like we had a circle of people who were taking action in these spaces. I’ve always really, really believed in my abilities to accomplish what I desire. I don’t know really why in particular why I was ingrained with that at a young age, whether it was through college or high school or anything that I did. I just really trusted in my innate ability to accomplish it. And I do. I think that that’s a huge thing. And my husband, he’s a little bit more reserved, so I just grab him and jump and grab him and jump and grab him and jump. And he’s like, All right, you know? But the more you keep swimming, the easier jumping becomes.

Sharon Cline: [00:18:01] So you now are looking at moving or expanding into Woodstock. So tell me about that.

Sabrina Kaylor: [00:18:08] So we will be expanding into Woodstock. We have our second location, hopefully opening in October. Oh, great. That’s fall sometime. We don’t have an exact date because we are not in just yet doing construction, but likely construction will start early July.

Sharon Cline: [00:18:23] Wow, That’s coming. Do you do you want to say where it’s going to be?

Sabrina Kaylor: [00:18:27] So it’s going to be right near where copper coin was. Okay. But on that side of the building. Oh, wow.

Sharon Cline: [00:18:32] So right in the heart of downtown Woodstock.

Sabrina Kaylor: [00:18:34] Oh, my goodness. Yep, right in the heart. And we are so excited.

Sharon Cline: [00:18:38] But you also are. I was thinking about this, So you’re kind of like giving birth in many ways. Yes, very much so. Giving birth to a new, like part of your business. But also, you’re about to have a baby. I am.

Sabrina Kaylor: [00:18:51] I’m about to have a baby.

Sharon Cline: [00:18:51] How does that impact your life in the business world?

Sabrina Kaylor: [00:18:55] I guess we can catch up in six months once the baby’s here. No, You know, I think it’s just funny how things work. If you would have asked me. I’m in my 30s. I’m 33. Every year, I was like, just wait one more year, one more year, one more year because we were just doing so much. And I’m trying to check all the boxes as fast as possible, like just try to make it through before we did it. But, you know, it was just it was always going to be in the chaos. So might as well if it wasn’t now, if it was next year, we’d still we’d have two stores and whatever. So, you know, we’ll see. I’m due in June and we’ll be in construction in July and. We’ll just make it work. I may have a baby on me in the shop. You know, you just do what you can and you do.

Sharon Cline: [00:19:45] But I was wondering what it’s like to be a female business owner. What is that like for you? Do you notice any things? I asked someone else this question once and I was really surprised at their answer that they actually did notice that there were some sort of pervasive, misogynistic ish kind of attitudes.

Sabrina Kaylor: [00:20:01] 1,000%. No way.

Sharon Cline: [00:20:03] I hate hearing.

Sabrina Kaylor: [00:20:04] That all the time. For me, it’s really frustrating, too, because, you know, my husband just came into the business full time. He was working full time for another company. And although he was very hands on in everything we did, meaning still working every week, helping at the shop and doing whatever, but all the back end has always been me. I it’s my natural ability to do so. And we would sit in meetings and people would address him and he doesn’t even know why we’re there for the meeting. Oh, no, you know, and they would ask him questions. So what about this and that? And he would look at me and I’m like, Yeah, you’re talking to the wrong person. Like, at least the dress is both. But situations like that or, you know, for example, when we were first looking for our roastery space, I was calling agents. And I think it’s a combination of not only being a woman, but being young on the younger side. You just get pushed back.

Sharon Cline: [00:20:59] That’s so frustrating to me. Like I’m just kind of incredulous.

Sabrina Kaylor: [00:21:02] Like what? But the big thing is like them addressing him first. All that happens all the time. If he’s in a meeting with me. Obviously, if I show up by myself, they know who they’re talking to. But if he’s there, they typically address him, whether it’s a contract or business meeting anything.

Sharon Cline: [00:21:20] I recently had to have some work on my air conditioning unit, and I’m not married at the moment, but my son is 20 and he’s got like a beard. He looks like a little man, right? So he was in the house with me while we were speaking to the air conditioning guy and he was just talking to my son, like the whole time. And my son’s like, oh, I don’t know. It was interesting. It was something to note that I was kind of like watching him. Like, does he realize that this gentleman is talking to him like he’s the husband here and like naturally deferred that way? And I thought, this is fascinating to me and how do I feel about this? And just I don’t know. I’m a little frustrated, but I imagine you see it all the time. A constant.

Sabrina Kaylor: [00:22:01] Reminder. I do. I try not to let it bother me and I just move on. And I think it’s always really interesting and kind of a little bit funny when they do realize because then they they feel stupid. Oh, interesting. You know, so like, when they realize or I answer the question that they just asked my husband, who has no idea what they’re even asking. And I chime in, it’s like, oh.

Speaker3: [00:22:21] Wow.

Sabrina Kaylor: [00:22:22] You know, like they realize that they addressed the wrong person. And then from that point forward, who’s their point of contact is me, you know.

Sharon Cline: [00:22:30] But a little check maybe in their in their spirit.

Sabrina Kaylor: [00:22:32] 100%. Yeah.

Sharon Cline: [00:22:34] How do you balance your life when it’s your business, you and your husband in this business, how do you put the phone down at night or whatever? Is it difficult? Most most business owners I talked to have really struggle.

Sabrina Kaylor: [00:22:47] It’s very difficult. It’s very difficult for me. I’m a. There’s always something. And when it sparks like I got to do it and my husband’s very much like, I’m ready to wind down at this moment. So I know at the beginning. You know, he had to tell me, like, like enough for the night, like, I’m good. Let’s talk about something else.

Sharon Cline: [00:23:11] Like, not the business.

Sabrina Kaylor: [00:23:13] Yeah, but, I mean, as you’re also moving through different phases, like, sometimes you just don’t have time and, like, you got to get the work done while you can. And I feel like that is also another differentiating factor, too, between people who are moving quickly and aggressively. It’s like, you really it sucks, but you just sacrifice. It’s not every night, it’s not every seven days a week. But if the work’s got to be done, like there’s nobody else to do it, you know? So balance is hard. I do feel like we’ll get to that point and I think having more people in more tiers of of your company allows that. We’re just not there yet but that’s okay.

Sharon Cline: [00:23:51] But you were saying the challenge can be finding those good people, right?

Sabrina Kaylor: [00:23:54] It’s always a challenge.

Sharon Cline: [00:23:56] And keeping good people, too, I bet.

Sabrina Kaylor: [00:23:58] I mean, I will say, like we’ve been lucky. We’ve been very lucky with a core group of people. And even though some have maybe left now at this point, they were with us for almost two years and helped us create the groundwork of what we’re doing now. So I do feel like we, being that my husband and I worked in house every day with them, like they really they saw the growth, they saw the work. They they were part of something. They believed in it.

Sharon Cline: [00:24:24] Yeah.

Sabrina Kaylor: [00:24:24] And I still think that that’s something that we experience is there are there rotating people for sure. There’s always going to be. It’s a restaurant industry, so to speak. But I would say we’ve got an amazing core and.

Speaker4: [00:24:39] When stuff goes.

[00:24:40] Down, you know, like they’re ready with us. And you’ll find similar people, I imagine, for the Woodstock. I hope so, but I believe so for sure. People are have already been excited. Oh, that’s nice. Are we hiring? And you know, so we can’t wait to to meet more people in the community here. That enthusiasm is like kind of like infectious, you know? Yeah, we’re excited. So you have a really great social media presence, which is something that I talk a lot about with business owners, about what it’s what it’s like to know that a lot of your marketing can be almost a 24 over seven sort of job. Yes, especially if people are making or leaving Google reviews or putting out there on social media, something that you’re like, let me handle this. I can’t imagine what that’s like. But what I love to see is because I follow you on TikTok, you’re very creative. You’re super creative. You have like a huge following. We we’ve also been really lucky there to you know, I’ve I think the big thing and the reason why.

Sabrina Kaylor: [00:25:40] I think most people just second guess what they post to and for good reason, right? Like you got you do have to tread lightly. It is your business. It’s your reputation. So there is that space. So I’m not saying that, but I felt like for me, like I can tend to be a perfectionist in things that I do and it would hold me back from doing it enough. But I knew that. The more I posted on there, even if one person saw it and came into the shop, it’s still a win. Yes. So I stopped looking at the metrics because the metrics really didn’t matter. The followers really didn’t matter. What mattered is are people coming into the shop? Are they finding us here? And the same thing with Instagram. I mean, it’s the same if somebody new comes in, it’s a win. Whether it’s one like it doesn’t matter, it’s still a win.

Sharon Cline: [00:26:29] I like that you kind of put it out there and not worry about the end result.

Sabrina Kaylor: [00:26:33] I mean, if it gets a lot of views, people are going to be mean. They’ve always got something to say. You know, the more views, the more chances. I mean, we’ve been lucky for the most part we don’t. But we put out an April Fools Day drink recently. And what.

Sharon Cline: [00:26:45] Was it.

Sabrina Kaylor: [00:26:46] This year was a everything bagel latte with cream cheese smeared on the inside and everything. Bagel seasoning.

Sharon Cline: [00:26:54] I have that in my notes.

Sabrina Kaylor: [00:26:56] And that’s funny. It went crazy on Instagram and the comments are horrible. But no, you know, it’s funny and it’s still circulating and some people realize that it’s a joke, some people don’t. But that’s like, you know, it just that’s the nature of social media. And if, like I said, we get five new followers who never knew who we were and thought it was funny and follow us, like that’s still a win, you know, they’re not going to be able to order it. So I’m not providing something that they won’t like. You know.

Sharon Cline: [00:27:26] I saw the video and I was like, Oh, it’s like savory. And then I was like, Wait a minute. And then you have like a bagel on top of the. Of course.

Sabrina Kaylor: [00:27:33] Yes. We had to like, really level in because companies go the big companies go crazy for April Fools. So we always try to do one. Last year we did Bacon Grease and people still tried to order that. People tried to order this too. So it’s just become kind of like a funny thing. And this one just blew up. Oh, gosh.

Sharon Cline: [00:27:51] That’s so funny. I was going to ask you about it, but it’s kind of cool, though, is that you actually legitimately do have special holiday drinks throughout the year, Some of them Gingersnap, These are Christmas ones. Gingersnap latte, mint cookie latte, French toast, latte sounds amazing, but what was the inspiration for having sort of really special, one of a kind kind of drinks?

Sabrina Kaylor: [00:28:12] I think ultimately, at the end of the day, we’re really trying our best to cultivate an experience that you’ll remember. So you’ll always think back whether you were just traveling or you took a special trip to come out. And like you can you can associate the place. So whether it’s colorful and bright and then you remember this drink that was really unique that you haven’t seen anywhere else or it’s never been presented in this way. Exactly. I think that that’s really important. So we do a lot of testing. We’re always testing.

Sharon Cline: [00:28:43] So are you do you have like your employees Test, test, taste, test them is what I’m trying to say. Yeah.

Sabrina Kaylor: [00:28:50] So typically we will. Me and another one of our employees, we’ve pretty much crafted everything. She’s amazing. She’s been with us since we first started as well. And it’s kind of become our thing is like that’s what we do in every season. We just wrapped up our summer, you know, and and everything else. So.

Sharon Cline: [00:29:05] So and you’ve got a lot of merch in your place. We do. So how did you decide how you were going to invest your time this way? In other words, it’s a lot of your art, right? Which is so cool. And like you said, you could imagine someone coming home with a little piece of your art on a on a bag of coffee. That’s amazing. But what else do you have?

Sabrina Kaylor: [00:29:23] So we have stickers, we’ve got t shirts, and we just released mugs and cups and tote bags and it’s been really cool. So all of the coffee bags themselves have original pieces of artwork on them, the stickers and stuff like that. I work with a local designer too, and he is awesome at capturing the the vibe that I’ve always gone for. If I had the time to sit and do design work in the way that I wish I could, you know, I wouldn’t necessarily have to use him, but he’s amazing. He makes my life easier and he is great at, like I said, capturing the vision that I have. So that must be so fun to be.

Sharon Cline: [00:30:02] Creative that way as well, right?

Sabrina Kaylor: [00:30:04] Absolutely. And to to send him I mean, half the time it’s just me sending voice notes of like, what about this weird eyeball thing with, you know, with a bagel and, you know, I just, like, send him random notes and he just makes something with it and we go from there.

Sharon Cline: [00:30:20] Do you ever like if you’re out at the grocery store or something, see some of your merch out there.

Sabrina Kaylor: [00:30:25] I see it around Canton for sure.

Sharon Cline: [00:30:28] That must be so awesome.

Sabrina Kaylor: [00:30:30] I see people wearing the Crewnecks or whatever. It’s always.

Sharon Cline: [00:30:33] Really cool. It’s neat. I always think this is it’s inspiring for me because I think, how neat is this that someday someone 20 years from now is going to be like, I used to come here with my mom and like, you’re part of their story in a major way, 100%.

Sabrina Kaylor: [00:30:47] It’s one of the coolest things. I mean, I posted recently about the Bazaar Baby, who she’s been coming in since we first opened. She was like eight months. She took her first steps in our shop. And, you know, we’ve become friends with her parents and, like, it’s just like a thing. The bazaar, baby, you know? And like, she, like, grew up in our shop from all these, like, major milestones of being like, a baby, you know? So it’s really, really cool.

Sharon Cline: [00:31:12] How does it feel to be plugged into your community like that, too?

Sabrina Kaylor: [00:31:16] It feels awesome.

Sharon Cline: [00:31:17] Because I was speaking with some other business owners. What it’s like to have someone like during the pandemic, if they ran out of something, they could ask another business owner who’s in a similar field, you know, Do you happen to have some of this? And they really did all help each other.

Sabrina Kaylor: [00:31:30] I mean, and for us, like it’s at least in Canton, where we’ve been at. Our shops really tiny. You’ve been in there, so you know, it’s small. We’ve been limited on a lot of things. We’ve done our very best to to remodel and put things that we absolutely needed. But the businesses around us have been critical for our success, like a critical whether it’s getting ice from them or running out. And like we’re lucky we’ve got a restaurant right across the street. You know, restaurants use some of the same stuff. I’ll be like, I need thermal paper. I need a I need utensils, like, you know, And they’ve always been so gracious and so helpful. And yeah, you can have your people sit on our patio and like, you know, it’s just been, it’s a, it’s a huge blessing for sure.

Sharon Cline: [00:32:15] I love that because I always believe there’s space for everyone. There’s a place for everyone and there’s space for everyone. Um, it’s also so kind. And I think when you have such kind intentions to help people, it comes back to you too, you know, in those moments, like 100%. So where would you like to see yourself in like five years? Do you ever think about those things? I do.

Sabrina Kaylor: [00:32:37] I do, of course. What do you mean? I’m a planner and I’m always thinking of, like, the next move and the next five years. I would love to have more locations for sure, and I definitely want to have an ability to live coastal side. So my husband and I have talked about opening a location in Savannah or something, you know, where I was born and raised on the beach. I love it so much. It’s like a sacred place for me. So being able to build that into our business is something that I really, really hope for.

Sharon Cline: [00:33:14] So you’ve got you started off doing art, got into your coffee company and now you have more art that you do, correct? Like you, you have a success in a different way too. It’s like they both helped each other to grow. Yes.

Sabrina Kaylor: [00:33:28] Yes. Because my art gets to go into people’s homes in a way that it never did. Right.

Sharon Cline: [00:33:32] So do you do you still go to any of the art shows and display your art that way? I don’t. Because you don’t have time. I don’t what?

Sabrina Kaylor: [00:33:41] I don’t. And I you know, I have painted a little bit here and there and I still do. But after a website.

Sharon Cline: [00:33:49] Specifically for yours, I do.

Sabrina Kaylor: [00:33:52] And I went, I did the roastery. I painted all of that. So after that, I was like, okay, I got my fix in for a little bit, you know, and we’ll have a second location that will have plenty of white walls for me to transform. But that’s.

Sharon Cline: [00:34:09] So fun. Yeah. So. As we wrap this up, what do you think is the most rewarding part of what you do?

Sabrina Kaylor: [00:34:16] The most rewarding. Making people’s day. It’s so simple. It’s exactly what we wanted to do and it is the most rewarding part. People message us. They tell us how, you know, things in their lives weren’t going great and they stopped in and like, it really makes a difference. And I can’t stress that enough to anybody else around us, whether it’s you going out into the world as yourself and you’re going to the grocery store or, you know, our team members, every every interaction that they have has long lasting implications and and it has impact. And I think that that’s that’s everything.

Sharon Cline: [00:34:56] It doesn’t have to be something major and big. It can be something small as making someone kind.

Sabrina Kaylor: [00:35:01] Yeah, being nice, being a light in somebody’s day. You don’t know what they’re going through and you can change that around.

Sharon Cline: [00:35:10] I love that because, you know, it doesn’t I don’t know. It can be intimidating when you’re thinking, what can I do to make the world a better place? Like, there’s just too much, but it can be just as simple as being a kind person. And here you go. Have a great day. A smile even.

Sabrina Kaylor: [00:35:24] Absolutely. And I mean, we in our in our book, our employee manual, we have a concept that I call the happiness paradigm, which is essentially just that and being able to pay it forward. So being going above and beyond for one person, knowing that now you’re sending them out into the world in a better space where they can do that to somebody else.

Sharon Cline: [00:35:47] I love that. Pay it forward thought because it’s not directly for you. It’s just to give to somebody else that hopefully will expand on the people around them.

Sabrina Kaylor: [00:35:55] And it’s that exchange, you know, that energy exchange, whether it’s the communication, whether it’s you handing something off. A smile, a look, anything like it matters.

Sharon Cline: [00:36:07] And you know, if you don’t have the right employees that have that energy, I imagine you can feel it. Yeah. Yeah.

Sabrina Kaylor: [00:36:14] And does it happen? Do people have off days? Of course. But I think, you know, at the end of the day, if it’s built into the culture and you just remind them, you know, everybody does their best with what they have and they know what the mission is. When we get feedback, I send it to them. People send me things and I send it to them. And I say, you know. This matters. You helped this person today, you know, so that they can see that what their work does as well.

Sharon Cline: [00:36:42] That’s very satisfying, I would think. It is. Is there anything you’re not afraid of anymore, having gone through your sort of journey to where you are right now?

Sabrina Kaylor: [00:36:53] Having hard conversations. Oh, really? Yeah. That was always really hard for me. Because they come up in business and when you’re running a business and you have. Employees and working with employees was really hard. I was always a really independent worker. I mean, I’m an artist. Like, what do you mean? Of course, like, I was used to working alone and like, you just get used to it.

Sharon Cline: [00:37:15] Is it like what we’re talking about where you. You don’t when people don’t want to hear? No. So once you have been told no, enough, you get desensitized to it. It’s the same thing. It’s like a muscle.

Sabrina Kaylor: [00:37:25] It is a muscle. And it’s the more you do it, the more comfortable you get. Probably the same thing like being on a microphone. Oh, yeah.

Sharon Cline: [00:37:33] True. Because when I hear myself enough, I’m like, I’m sure it’s fine. I don’t know how I sound exactly. Yeah, I don’t like tough conversations. I don’t. So that’s interesting to note that if I were to just start to have them and see that the world doesn’t swallow me up whole and like the negative repercussions are going to push me apart. I guess I like the idea of knowing that I could do it if I just practiced.

Sabrina Kaylor: [00:37:57] It and that you’re not stressed out about it. I used to stress out about like every hard meeting with somebody or like if I wasn’t giving 100% praise, like, you know, the last thing I wanted was for something to be misconstrued or come off badly. You know, when my intention is to help them be better at whatever it is and that we’re addressing. And I think, like it’s taught me how to deliver things better and to just be more comfortable in the conversation.

Sharon Cline: [00:38:27] This is good to know. I think this is good advice for anybody. It’s a communication, especially if.

Sabrina Kaylor: [00:38:31] You have employees for sure.

Sharon Cline: [00:38:33] And all the different personalities.

Sabrina Kaylor: [00:38:34] It’s challenging. It really is. That was that was a huge learning curve.

Sharon Cline: [00:38:40] What would you say to someone who’s maybe interested in starting their own business? Whatever it is, what would you say is like a word of wisdom that you could give them something you learned and you wish you knew before?

Speaker5: [00:38:53] Um.

Sabrina Kaylor: [00:38:54] Well, first I would tell them to take action immediately.

Sharon Cline: [00:38:57] Don’t wait.

Sabrina Kaylor: [00:38:58] Don’t wait. If you have a thought and you think it’s worth any bit of while, do something, even if it’s small. That takes a step towards that action. I think that that’s imperative. Okay. Um. And I also think just be willing to put the work in. Like know that it’s going to be hard and that’s okay. But know that, like, you’ll do whatever’s necessary. And you’ll work and you’ll get it done.

Sharon Cline: [00:39:26] Like trust yourself that you’re going to be able to handle it and do 100% right. This is good advice. I’m going to take that with me today. Sabrina, thank you so much for coming. This has been so fun just to get to know you and kind of see the other side of what I get to enjoy when I go visit your your shop and I get to see the new one open. So that’ll be really exciting.

Sabrina Kaylor: [00:39:46] Thank you so much for having me.

Sharon Cline: [00:39:47] You’re welcome. And thank you all for listening to Fearless Formula on Business RadioX. And again, this is Sharon Cline reminding you that with knowledge and understanding, we can all have our own fearless formula. Have a great day.

 

Tagged With: Bizarre Coffee Company

Tara Key with Byrd Insurance and Miracle and Angel’o Hill with Collard Greens & Blessings Catering

April 25, 2023 by angishields

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Charitable Georgia
Tara Key with Byrd Insurance and Miracle and Angel'o Hill with Collard Greens & Blessings Catering
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In this podcast episode, Brian Pruett is joined by Miracle and Angel’o Hill, the owners of Collard Greens & Blessings Catering. They talk about their love for cooking and their passion for soul food. Angel’o also shares his inspiring story of starting Bread-Puddy-Licious, and how he learned to trust in God’s provision when things got tough.

Later, Tara Key from Byrd Insurance Agency joins the conversation and shares her story about the importance of being open and honest with clients. The episode wraps up with some positive quotes and a message of staying positive and giving back to others.

Tara-Key-bwWhen asked the question of who I am, what does that really mean?  Do I want to reveal the deep dark secrets of reality?  Do I hide behind the smile of everyday?

Does anyone really want to know the real me anyway?  Do they mean the business side of me?  The personal side?

It’s easy to hide behind walls we have built.  No one really wants anyone to see who we are deep down.  So, when asked to write my soundbite about who I am, what do I say.

Here goes:

I am Tara Parris Key.  I am someone who has failed at much.  I have tried to do better than I have actually done.  I have hidden behind smiles and laughter when my heart was breaking and I wanted to hide and cry.  I have broken promise after promise.  Sometimes not even realizing it until it was too late to fix.

I am Tara Parris Key.  I am also a forgiven Child of God.  Someone who has been restored time after time by a merciful and graceful Father.  I have been given a smile in the face of adversity.  I have had tears wiped away knowing that I can hold onto promises that will never be broken.  I am a wife, a mom, a Mimi, a daughter, a sister, a friend, an author who is scared to publish her book, a survivor of an abusive marriage, a stranger to some but hopefully, some help to anyone who truly needs it.

I am Tara Parris Key.  I am an insurance agent.  I know that the Lord guided my path to Byrd Insurance Agency.  It was an amazing experience and one that came through prayer after prayer.  Watching Him answer and work and knowing that He had my best at heart was so humbling.

To know that the God of creation took time to orchestrate every motion that put me where I am today was simply a miracle and He did it just for me.  Helping people has always been a part of who I am, and it gets to continue to be a part of my daily life thru my career here.  I began this career in insurance over 10 years ago as an extension of my heart for ministry and it has continued to be just that: an opportunity to take care of families one at a time.

Who am I?  I am simply Tara Parris Key who has been through a lot in life, who is still learning life, but who is also loving all that life has to offer!

Miracle-and-Angelo-Hill-bwMiracle Faith Hill was born the fourth of five children as Miracle faith Dansby, to Wayne and Cynthia Dansby on October 28, 1988.  As a “preacher’s kid” Miracle spent most of her adolescent life singing in church and school programs. As a result, Miracle was awarded a full scholarship to a local College Miles College. Where she completed only one full school year only to enlist in the United States Navy.

Miracle served five years active duty, to commission a Warship, The DDG107 “The Gravely”. As a Plank owner of “The Gravely”, she spent the five years working as a Culinary Specialist, where she did receive a Naval Achievement Medal (NAM) for exceptional service of the Waterfront.

She separated from the military after completing her first term of service in 2014. In 2017 miracle moved to Georgia to pursue an associate’s degree in Baking and Pastry.

In 2018 Miracle met Angel’o Hill at the Art Institute of Atlanta. After becoming best friends the two married in October 2019. We started a beautiful family and opened up a bakery called Bread-Puddy Licious where we serve great desserts and use our bakery for ministry to draw souls to Christ.

Angel’o Deshane Hill was born to Henry and Cathy Hill on Oct 28,1987. Born and raised in Greenville, South Carolina. Angel’o Hill is the 2nd born of 4 siblings. Growing up Angel’o enjoyed dancing, singing, and cooking with his family where his desire of becoming a chef and a professional singer began.

During his high school years at Mauldin High, he had the opportunity to volunteer for the “Greenville District Recreation Center for Youth”.  He taught step dance choreography to elementary, middle and high school students.

During high school, Angel’o became a part of the Mauldin High Step Team where he learned team work. While in school he was chosen to go to Golden Gate career center as an elective. He chose culinary arts as a trade, while earning college credits in culinary arts. He is a graduate of the class of 2005 of Mauldin High School located in the city of Mauldin S.C.

In 2009 Angel’o decided to relocate to Marietta, Georgia to start over and experience a new life. In 2010 he was introduced to Heavens Harvest Ministries where his life began to change. In 2011, he joined Heavens Harvest Ministries and turned his life around and sold his mind, body and soul to Christ. He was baptized in the name of Jesus where his faith started to grow.

In 2012, he decided to make a change and go to Culinary Arts school. In his pursuit of education he received three degrees. 1. Diploma in Culinary Arts at Le Cordon Bleu, Tucker Georgia. 2. Associates Degree in Culinary Operation at Le Cordon Bleu, Scottsdale, Arizona. 3. Bachelor of Science in Culinary Management at the Art Institute of Atlanta International Culinary Program.

While attending school he had the opportunity to assist the Executive Chef of the Former Governor Nathan Deal, Cater for the 2013 “Final Four Championship game at the Georgia Dome, and US Foods 2019-2022 selected Scholar and Food Fanatics assistant Chef.

While at Heavens Harvest Ministries where Angelo is a member of 12 years and sits under Overseer Pastor Thomas A Pulliam Sr. He has become a Missionary/Evangelist and has traveled with other Missionaries/Evangelist of HHM to Uganda, Africa to spread the good news of Jesus Christ “That you Must Be Born Again.”  (John 3:5) KJV King James Version Bible.

In 2019, he married his wife ( Bakery Chef) Miracle Hill and started building a family and now he and his family owns a successful catering business “Collard Greens & Blessings Catering and a gourmet bread pudding bakery “Bread-Puddy-Licious” located at the Town Center Mall of Kennesaw. Now he and his family are ministering with fervency at their businesses to draw souls to Christ.

This transcript is machine transcribed by Sonix

TRANSCRIPT

Intro: [00:00:07] Broadcasting live from the Business RadioX Studios in Atlanta. It’s time for Charitable Georgia. Brought to you by B’s Charitable Pursuits and Resources. We put the fun in fund raising. For more information, go to B’s Charitable Pursuits. Dot com. That’s B’s Charitable Pursuits dot com. Now here’s your host, Brian Pruitt.

Brian Pruett: [00:00:45] Good, fabulous Friday morning. It’s another fabulous Friday with three more fabulous guests here in the studio. If this is your first time listening to Charitable Georgia, this is all about positive things happening in the community. And we’ve had stories since December 9th of all kinds of great things going on in and around the state of Georgia, mostly northwest Georgia so far. I haven’t got down to Macon yet, but I will I’m sure I’ll get somebody from Macon to come at some point. Um, we’ve got some again, three folks on here that have got great stories. Two of my guests are actually married. That could be good or bad. I don’t know, depending on what they they were sharing some things before we got on air that I don’t know now. It’s pretty cool. Um, we are going to start with our first two guests, Angelo and Miracle Hill from Bread Pudding. Bread-Puddy-Licious. I’ll get it out. I’m already hungry just thinking about that. So you also have a catering company as well, correct?

Angel’o Hill: [00:01:39] Correct.

Brian Pruett: [00:01:39] Yeah. So they got you covered. Either way, you can start with some appetizers with some main meals, and then your your your dessert. So Angelo and Miracle, thanks for being here. I’m going to start with your lovely wife because I just think her name is incredible. Also, Miracle. That’s just an awesome name. So, yeah. So if you don’t mind, Miracle shares. First of all, how did the name come about? And then share your story.

Miracle Hill: [00:02:02] Oh, how the name came about. I’m going to give you the long story short. Okay. So my mom was seven months pregnant. She had a car accident and the impact thrust her into the the steering wheel. And in a way, long story short, she got rushed to the hospital. They didn’t think that was that I would live. The umbilical cord was wrapped around my neck. My dad had been a man of faith. He petitioned God for three days for my life. And he said before he got up, the angel told him to name me Miracle Faith. And that’s been 35 years ago now, and I’m grateful. That’s awesome. So, yes.

Brian Pruett: [00:02:41] Yeah, Yeah. So how did you get to be a chef, a cook? And what gets you started into wanting to help with food?

Miracle Hill: [00:02:49] So I’ve always enjoyed people sitting down and like, for me, food was like that thing that you could reach people with. It didn’t matter who they were. So like, I think my husband shares that sentiment and so I would love to just make some really good food and share it with people and just enjoy their reactions to to enjoying great food. So that started very young and did that for my family. And then eventually I came to Georgia pursuing baking my baking degree. So I came to the Art Institute of Atlanta, where I later met my husband, and the rest is history. So yeah.

Brian Pruett: [00:03:35] Do you have a favorite thing you like to cook and bake and cook?

Miracle Hill: [00:03:39] Um, I’m I’m just okay with cooking. But if I had to pick, if I had to pick something true.

Brian Pruett: [00:03:46] If you look at Angela and you tell that’s not correct. Yeah. He’s shaking his head

Angel’o Hill: [00:03:48] You see this three rolls here, right? Come on. Yeah.

Miracle Hill: [00:03:51] So I’m a I prefer soul food. So my my favorite soul food meal would be not really so much to cook, but meatloaf, collard greens, my husband’s collard greens, corn, cornbread and candied yams.

Sharon Cline: [00:04:12] I think we’re going to their house.

Brian Pruett: [00:04:14] Right. What time is lunch?

Angel’o Hill: [00:04:16] Yeah.

Brian Pruett: [00:04:16] What about dessert? What do you. I mean, obviously bread pudding. But what else do you like?

Miracle Hill: [00:04:21] My. I’m a tiramisu girl and I love it like.

Brian Pruett: [00:04:29] It’s one of my. Sharon, can we pack this up and do this on the road while we go get ready for lunch? I mean. I mean, really.

Angel’o Hill: [00:04:34] I’m not making it.

Miracle Hill: [00:04:36] Yeah, you got to break today, baby.

Brian Pruett: [00:04:39] So awesome. So. All right, well, we’ll continue with you in a second. We’re going to move over to your your your handsome husband. I will say I’ll get you there, Angelo. Yes, sir. So it’s actually kind of cool because I’ve never seen the way you spell Angelo. Spell with the apostrophe. That’s kind of. Kind of cool. How did that come about?

Angel’o Hill: [00:04:56] Well, my grandmother had a son. It was her first born, and his name was Angel. And he had passed at nine months. So I was her first grandchild. So she named me Angel Low, not Angelo. So it’s Angelo. So that’s why the hyphen. So that’s been my name. Nickname. Angel. Angel. Angel, Angel, Angel. And I was a bad angel when I was a little kid, you know? So to see, to see now that I’m a good angel, right? You know? So, yeah, that’s how my name came about.

Brian Pruett: [00:05:29] Awesome. So how did you get involved with the food and the cooking and the baking?

Angel’o Hill: [00:05:32] Oh, no offense to the beautiful ladies, but all the ladies that were in my life were hefty ladies. They believe in eating. And when they’re upset, happy, whatever, they get in that kitchen and eat, you know, and cook and eat. So it expired and inspired me to just, you know, go in there. And I started learning that cooking was the avenue of me processing life. And I knew that in my mind, if I can fix a good meal and cause you to come together, that brings joy in my heart, even though I was suffering what I was going through. So it helped me get through life to feed people and see the smiles on their face and to see them eating. And if for some reason God just gave me the ability, if you tell me you don’t like it and you don’t eat it, when I fix it, you will eat it. It’s just something that gave me and I took pride in my heart to say because it was just something in my heart to say, you know what, God, what is it? What is the root cause of why they don’t like that product? You know, did they parents not fix it? Right. Have they had did they have a bad experience? What was it? So it was like I think it was more in the depths of my heart to fix the problem, to give them a different avenue, to see that this could taste like this. I understand Brussel sprouts is nasty because you had it in high school, but let me do something different. Let me let me see. Because it’s going to change your life. It’s going to to me, it was me helping you see life and to go to a different, you know, environment and not be afraid for to take another chance. So that’s so food has really been big for me. It’s more of bringing people together.

Brian Pruett: [00:07:07] You can tell it’s been big for me, too. I don’t mind.

Angel’o Hill: [00:07:10] Hey, hey, hey.

Brian Pruett: [00:07:12] I’ve got a 24 pack, you know, So.

Sharon Cline: [00:07:15] Got the keg going.

Brian Pruett: [00:07:16] Yeah, that’s right. So, no, it is. It is true, though. I mean, every time you think about whether it’s a family reunion or friends get together or something, what’s the main thing of everybody there? It’s food. You know, we I was at a I was a networking event last night and I was giving our friend and his husband Terry, a hard time because every time I see him, he’s eating, you know, and he’s like, well, if there’s food, I’m going to be here. So especially when it’s free, you know, I’m with him. So and Angelo Angelo and I met at a networking event at the Woodstock Business Club. And then I went and had my 1 to 1 with him, and he shared an incredible story. So. And how you got started with the business and I would just like for you to just to share that because it’s just it’s inspiring. If somebody is really listening that wants to it’s going through a hard time just thinking about a business or in their business and having a hard time. So just please share your story.

Angel’o Hill: [00:08:07] Okay. Well, Brian Pruett Delicious was pretty much started. It was a God thing and I say it was a God thing because when I heard it, I thought it was just weird. And my wife was like, What? Which I knew it was God because she’s like, No. And I’m like, Yeah, that means it’s God not against her. But you know, our thoughts are not his thoughts and our ways are not his ways. So I had to apply. If it’s weird to somebody else, it’s a God move, you know, because a lot of times we go to what everybody says and it’s not what God says. But at that pivotal point, I was an executive sous chef for a retirement home in Alpharetta and worked there for 2 or 3 years. I really had support from my pastor because I wanted to quit so many times because I was just tired. Lord, I’m just tired, you know? I feel like I’m better than this. I feel like I need to change. You know, I just I’m tired and my pastor would be like, No, shut up. Work. Be quiet. Close your mouth, love everybody. Do what you’re supposed to do. And God would bless you. And I’m like, Oh, God. So pandemic hit. And like I was telling Brian, I said. With me. It was tough because as I was working as an executive chef, I was experiencing a lot of, you know, people, you know, in that environment that was dealing with a lot of issues, you know, learning to be a leader and deal with the staff and then deal with the clients.

Angel’o Hill: [00:09:31] And it was a lot going on. The pandemic hit real hard, and we were warned by our pastor. He was pretty much telling us, hey, God is about to cause judgment. I need y’all to keep your money, save your money, store up and just trust God. He said, this is not about to be a season where Pastor is saying it’s about to be a, you know, a 2020 vision and God is about to bless. He said, I’m the prophet of this house. And God said, there’s about to be punishment judgment in the land. He said, It’s nothing for y’all to worry about. We’re not going to shut our doors. We’re not going to do anything. We’re going to stay faithful. We’re going to praise God. We’re going to love each other and we’re going to we’re going to obey what God says. So out of the blue, pandemic hits. So I’m like, what in the world? What? Like what is going on? And I’m nervous. But one thing I had to learn that my overseer, Thomas Anthony Senior at Heaven’s Harvest Ministry, he was pretty much telling me everything he said has never failed. And in my mind, being there 12 years, it was like, okay, all right, God, what are you teaching us? Because this is going on now.

Angel’o Hill: [00:10:35] We’re shifting at this job. Now we’re wrapping everything up. The whole system has changed. People are nervous. People are scared. What’s going on? And then I have to change. So when me changing into the the procedure of the pandemic, I was a little hard headed. I didn’t like wearing a mask. And it wasn’t saying that people out there, you know, didn’t get the the COVID and all that. It wasn’t saying that. But where my belief was and what I’ve seen in the healing in my eyes in that ministry is just what I believed. And what I seen in my faith was at a different place. It wasn’t to discredit nobody, but I just didn’t agree. Well, I have to wear the mask and pastor be like, Hey, you have to obey the land of the law. Just obey. Obey because you’re a man of God. You’re a leader. Obey. I’m like, Oh, God. So after obeying, I started having warfare with the staff because at the end of the day, they were threatening us saying, Hey, if you don’t take the shot, if you don’t do this, you’re going to lose your job. And thank God, before marriage, I had went through so much where I was like, Hey, okay, God, here’s what it is. And I had to learn that I had other people now looking at me that were that had finally joined the faith that I was at. So I even had to be cautious on how I made moves at the workplace.

Angel’o Hill: [00:11:56] And because they were looking at me, they were comparing with our overseer was preaching. Then when we come to work together, they was looking to see if I was going to practice that and if I was going to go against or if I was going to stand against or stay, you know, with what he was teaching us and the faith that they have seen that I have seen already 12 years, you know, so the lady told me, hey, Mister Hill, you know, I know you, the chef, but if you don’t take it, you’re going to lose your job. So I went in there and I said, Okay, God, what do I do? Because I’ve seen healing. It’s nothing. It’s not it’s not a show for me. I I’ve seen healing. I’ve seen people bring their family members in. I’ve seen this man of God go to people’s houses, lay hands. I’ve seen his work and I don’t know what to do. And I read that paper and that paper said that they cannot terminate you if you deny. But that wasn’t expecting me for me to read it. They was they was expecting me to follow what they said and put the fear in my heart to do what they say. So because I read it, I said, I’m not taking this. And she was like, Excuse me? I said, I’m not taking this. She said, Well, Okay.

Angel’o Hill: [00:13:10] That’s how she said okay. And when I tell y’all I went through hell that week, I was cut. And then I started learning the hands of the enemy. How? When you stand because other people fear they’ll go against God when they’re portraying to be a God’s business. So I started learning why it hurt, because we say we are God’s business, but when it comes to God, we’re going to go with the world says So She started cutting my hours, and then when I denied it, my boss started attacking me. It was like, You need to do this. I know you’re the leader, but you’re the executive sous chef, but you need to do this. I’m like, I’m not doing this. I’m not. So as the other people that were looking that were in church with us, they were like, I’m not doing it either. So it’s three of us in there, like I’m not doing it. So they called me in the office and the the district manager came in. He’s over like all the facilities in Georgia, and he has never been mean to me. I’ve been there two years and a half, worked on time. Faithful never called out. And he came to me and said, Hey, I heard you denying the test. I said, I am. He said, Well, if you deny it, I don’t care about it. He said, I’m gonna suspend you for two weeks with no pay. I said okay.

Angel’o Hill: [00:14:26] And at that time in my heart, I’m like, Lord, I just got married. It ain’t the same. I’m in a new marriage. I have another responsibility. What? What is this? But I had to be strong, okay? Because I started thinking about living in the car when I was at once. Before I started thinking about when I didn’t have. And God made a way. And I started saying, you know what, God, it is what it is. If I stand for you and I’m suspended, you’re going to take care of me. And I had to. It was hard because I had to be strong knowing that my wife was in the beginning of ministry and her faith wasn’t there at the time. I mean, she was supportive, but come on. She’s like, um, okay. And I’m like, We’re going to make it. And then I go in my prayer room like, God, what? What’s going to happen? I said, But you know, when they when they did that, I was just like, okay, God. All right. So my wife found out while I was out those two weeks really was three weeks. My wife found out her cousin had passed and she was like, Babe, my cousin passed. And I’m like, okay, well, we got to go up there. So she said, okay. We got prepared. And the day before we was going to go, they called me and there was a general manager who was like, Hey, Mr.

Angel’o Hill: [00:15:43] Hill, Hey, you can go ahead and come on back. I said, okay, well, I can come back. But my wife pretty much, you know, she’s about to have she’s about to bury her cousin so I can come back that Saturday. And he was like, What are you telling me? Are you telling me you’re denying coming back? And I knew that language. I’m like. And I heard breathing on the phone. So I was like, okay, he’s not on the phone by himself. It’s either air or somebody. Somebody there. It’s just the way he set up the question, like he already had pre planned to get rid of us. And I said, You know what? Don’t worry about it. I said, I’ll be there. Mr. Hill, I detect you have an attitude and we can’t we can’t deal with that. I’m like, No, sir. And that was God dealing with me. Because as a man of God, I felt like my, my my strength was taken at a place to make a stand, you know, to manipulate me. So I was getting angry and I had to learn to I had to calm down and say, you know what? Let me plan this the right way. Let me play your game, but you’re going to be really playing my game. But let me not mess this up. But it was really God showing me, no, I need you to stand where you stand. So I said, All right, sir, I just do what you do.

Angel’o Hill: [00:16:57] I do what you tell me to do. When do you need me? Well, you need to come back tomorrow. I said, okay. Now, knowing me myself, having the relationship that we had. And it’s funny because we had a great woman of God that was at the time I had got her a job where I was at and she was a part of our ministry and God just God really gifted her with prophecy. And I took it for granted with her because she shouldn’t probably shouldn’t have been telling me that what she told me. But it was a help for me. And she said, Bro, close your mouth. And I’m like, What are you talking about? Your boss is really your enemy. I said, No, he’s not. She said, I’m telling you. He’s your enemy. He does not like the God in you. I was like, This is crazy. This is all this is going on. What do I do? So what? I learned best from my leader, Serve your enemy well. So I would serve him at the utmost. I would be I would do everything he needs me to do. I would do above and beyond. And eventually it was true. But when I found out, I learned to serve even more so at that time. And going back to when I texted him after they told me to come in, I, I thought our relationship of how we took care of one another, of you come in and I work your your week and you you know, we work together.

Angel’o Hill: [00:18:15] I thought that would be okay to text him. Hey. Hey, chef. I got this going on. He told me to come back. My wife is having this. Can you please work this Saturday for me? And I’ll work the days you need, because that was the relationship we had in two years and a half, not knowing. He was right there with the general manager and he texted him everything. So I got on my knees and the and the general manager was like, Well, we’ll call you back. Just go ahead and get everything situated. So I got on my knees. I said, God, what do I do? I don’t feel comfortable. I don’t my wife is important. She lost a cousin. What do I do? I have to stand on the guy. You have to show me. I don’t know what to do. I’m a new husband. I don’t know what to do. I just don’t know what to do. Five minutes later, I sat down. He called me Mr. Hill, we’re going to go ahead and terminate you. Said, All right, that was the answer. And I never heard I never heard that response from God that fast. And sometimes we hear it, but we don’t want to accept it. It’s like you prayed. He’s like, Here you go. And you’re like.

Miracle Hill: [00:19:21] Yeah, that is the truth.

Angel’o Hill: [00:19:23] Because, you know, And that’s when I was like, okay, we lost too much. God, we ask for prayer. But when you answer, we want it the way we want it. You’re like, No, I’m releasing. I’m releasing you, buddy.

Brian Pruett: [00:19:33] Sometimes the answer comes longer and you wish it was quicker like that. Yes.

Angel’o Hill: [00:19:36] And it’s like, what? So I sat down. I told her, I said, Baby, look, I lost my job and did not know the other two that were standing with me. They called them two and terminated them. It was crazy. So and I said, okay, all right, cool. I said, okay. And baby, watch me. I went in the office every day and I’m like, God, what do I do? What do I do? And all I heard Pastor tell me was, Your wife is your blessing. God loves her. Her heart with her. Her heart with him. He has a she has a special relationship because you married her and you chose her. God is going to always bring favor to your table. And I was like, okay.

Angel’o Hill: [00:20:19] Hey, wife. Hey, love. Muffin. Come here.

Brian Pruett: [00:20:24] I mean, miracle.

Angel’o Hill: [00:20:25] I mean, come on, Miracle.

Angel’o Hill: [00:20:26] She is my miracle.

Sharon Cline: [00:20:28] Miracle Faith.

Angel’o Hill: [00:20:29] Okay, so I was like, you know, babe. She said what you want to do? She said, I’m here to serve you. What you want to do? I said, Well, go to every restaurant. I mean, call every mall. Let’s see what we can do. Let’s start a catering business. I already have the catering company. Let’s get a building. And y’all trust me, I had ten cent in the account, so I’m like, Lord, this is a rough week. You know what’s going on, you know? So she called. She called. She called and. A one lady from the town center mall. She was over the town from the mall and the Mall of Georgia. She called us. She was like, Can I come in?

Angel’o Hill: [00:21:04] I was like, Oh, snap, this is really happening.

Angel’o Hill: [00:21:07] Okay? So we come in and in my mind I’m like, okay, we’re coming in, but where’s the money?

Angel’o Hill: [00:21:12] There’s the money that I count.

Angel’o Hill: [00:21:13] We’re wiped clean. I use my last to take my wife to go see her cousin, you know, And it was just tough. And so the lady came in and she was like, So what do you want to do? I said, Well, we want to start a catering business. And she said, okay. She said.

Angel’o Hill: [00:21:26] But Mr. Hill.

Angel’o Hill: [00:21:28] I know you want to start a catering business. There’s nothing wrong with that. But I’m looking at this bread pudding.

Angel’o Hill: [00:21:33] I looked at all these menus and I’m like, Mm.

Angel’o Hill: [00:21:38] Okay. You know, sorry. Let me backtrack just two minutes. So before I met her, I sat down and I was in my in my office like, God, what what am I going to do? And all I heard while she was standing was Brad Pitt. Delicious. She was.

Angel’o Hill: [00:21:53] Like. What did you say? I said, Brian Pruett delicious. She said. I said, a bread pudding bakery. They have donuts. They have donut bakeries. They have muffin bakeries. Why? We can have a bread pudding bakery. She’s like, Whoa. She said, Are you sure?

Angel’o Hill: [00:22:11] I’m like, Yeah, that’s God. And she watched me as I was writing. God was giving me the recipes. I was writing Two Cups.

Angel’o Hill: [00:22:20] Right. She’s like, Baby.

Angel’o Hill: [00:22:22] How do you know this guy’s giving it to me? I wrote the plan two days. The whole business plan was written. I was just like, okay, God. And God was saying, This Avenue Brian Pruett delicious is going to be an avenue to open up for souls. It’s for winning souls. You’re going to be the cause to win souls. You’re going your business is going to be for souls. Your platform is going to be for souls only. I’m like, Oh, God, no. I want to get rich. No, I want money. I’m broke.

Angel’o Hill: [00:22:48] God, I need some money.

Angel’o Hill: [00:22:49] So then again, we fast forward to the lady. We meet her. She’s like, you know, and mind you, I’m not listening to God. I wrote everything. I’m like, Yeah, I want a catering business and I can cook.

Angel’o Hill: [00:22:58] She said, No, Mr. Hill, I was looking at this dessert. All the food looks pretty, but it’s just a bread pudding for me.

Angel’o Hill: [00:23:05] I’m like.

Angel’o Hill: [00:23:07] Really?

Angel’o Hill: [00:23:08] Okay. All right. God. All right.

Angel’o Hill: [00:23:10] She’s like, And.

Angel’o Hill: [00:23:11] Everybody loves the bread pudding pictures.

Angel’o Hill: [00:23:13] I’m like she said, So what do you want to do again? Brian Pruett delicious.

Angel’o Hill: [00:23:19] She was like, Oh, okay.

Angel’o Hill: [00:23:20] She wanted a bread pudding bakery. I’m like, Yeah. She’s like, okay, so how much.

Angel’o Hill: [00:23:24] Are you planning on, you know, making a month with your vision?

Angel’o Hill: [00:23:28] I said, Oh, like 5000 a month. She said. Mm. She said, Let me help you out.

Angel’o Hill: [00:23:34] She said, I believe in you. Can we put 80,000 down? And in my mind, it was really God’s showing me. Don’t listen what he’s giving you. Let your faith be high. Go high. Don’t lessen yourself. Because if I have a stranger that believes in you and then God is using her to show you what she believes in you. So got that, Got that settled. She said, Well, we’re going to welcome you on to the town center Mall. We have this building for you. It’s going to be pretty much 2500 a month. I’m like, okay, God, I’m broke. That’s all I was thinking. I was kind of money. How are we going to do this? She said, Well, we’re going to give you four months free.

Angel’o Hill: [00:24:11] Wow. I said, okay. All right. God. You know, And.

Angel’o Hill: [00:24:14] Whatever God works where there’s vision, there’s provision. And I was like, okay, all right. And the blessings of the Lord make her rich and add no sorrow to it. So I’m like, okay. I’m like trying to add the word while I’m looking at my bank account. Like, this is not matching God.

Angel’o Hill: [00:24:28] But.

Miracle Hill: [00:24:29] You, faith, man of.

Angel’o Hill: [00:24:30] God, you got to.

Angel’o Hill: [00:24:31] Walk by faith and not by sight and the favor. And I’m like, okay, God, just listen. Just Angelo, listen. So she gave me she gave me the building and it was an old red velvet shop. And she was like, You’re going to be in the front of the mall. I’m like, okay, cool. She said, But you have to follow the the mall hours. And I said, Well, where’s the mall hours? She said, Well, pretty much the mall hours are, you know, every day. I said, including Sundays. She said, Yes. I said. I don’t know about Sundays.

Angel’o Hill: [00:25:04] She.

Angel’o Hill: [00:25:05] Said. Is there going to be a problem? I said, Well, where my faith is, Sundays is what I need and I just truly believe Sundays needs to be off for family time, fellowship and worship. I just cannot do it. I said, I’ve been there before. She said, Well, we’ll work it out. So I’m like, God, how am I going to build this?

Angel’o Hill: [00:25:22] Like I don’t have no money?

Angel’o Hill: [00:25:24] So car broke down one one day and got a flat tire and then got the flat tire. And I looked at the sign on the man that was doing my tire and I said.

Angel’o Hill: [00:25:35] Sir, what did who did your logo? Who did your son?

Angel’o Hill: [00:25:38] And he told me about this company. And so I called the company and the young man came out. He was like, How are you doing? I said, I’m doing good. He said, What are you trying to get done? I said, Well, I have this building. I said, To be honest, I don’t have nothing right now. I said, Just try to work on getting stuff together.

Angel’o Hill: [00:25:55] He said, okay, right. Well, let’s look around. Let’s see.

Angel’o Hill: [00:25:58] This is what we can do. Start giving me visions, make it quick. Started giving me everything that he can do with this building. So I’m getting excited. So he’s like, Well, it’s going to be $10,000. I’m like, Here we go again. God, with the money. I don’t see no money.

Angel’o Hill: [00:26:13] How it’s.

Angel’o Hill: [00:26:14] 10,000. Don’t come to my hand. So make it quick. Two days later, the lady comes downstairs and she’s like, Well, we made a decision. I’m so sorry. I know I gave you four months, and I know I told you, but we’re going to have to just collect the keys and we’re just going to have to end this contract. I said, I just got it. She said, I know. She said, and I know you sent your letters. I know you sent your scripture on what you believe. But if you’re going to be in this mall, you have to follow by hours. I said, okay.

Angel’o Hill: [00:26:41] All right.

Angel’o Hill: [00:26:42] Now, mind you, in my vision, God had me put children ice cream, bread, pudding colors. All I seen was colors, life, joy. And in that building, it was not it. And I called my wife. I said, Babe, they just terminated me. I just only been there a month just trying to get everything together, She said All things work together for the glory of God. I said, I don’t want to hear that. You know this my wife, I don’t want to hear that. But thank you, baby. And but it stuck to my heart. So a week later, the same lady called me. She was like, Mr. Hill. I said, Yes, ma’am. She said, Can you come by back to the mall? I said, Yeah. She said, I have one building I want you to look at.

Angel’o Hill: [00:27:26] Y’all. I walked in that building.

Angel’o Hill: [00:27:27] It was on the other side of the mall. She said, you’re able to get your Sundays and Mondays off and it’ll be $1,300 cheaper. I said, okay, in my mind. Where’s the money? Look how selfish we get. I’m like, okay, where’s the money? So she opened up the building and had all black tar on it, too, threatening to block the view. I walked in there. Y’all was colors everywhere. They already had the ice cream machine. They had the hose where you put the dispensers in. And it used to be an old yogurt place or a cereal yogurt place. And I was like, What?

Miracle Hill: [00:28:01] Some of your vision.

Angel’o Hill: [00:28:03] It was the vision. And I said, God, what she said, And we’ll still.

Angel’o Hill: [00:28:07] Get four months.

Angel’o Hill: [00:28:07] Free. I said, okay.

Angel’o Hill: [00:28:10] And we’re almost we’re almost done. So then the young man that was over, the signs came in and he said, I told him we have a new spot. He said, okay, well, I’m on the way. He looked around and he said, Yes, papi, he’s Dominican. He says, Yes, Papi.

Angel’o Hill: [00:28:25] I’m like, Is he calling me daddy? Yes, Papi.

Angel’o Hill: [00:28:28] He said, Yes, Papi.

Angel’o Hill: [00:28:29] This is you, Papi.

Angel’o Hill: [00:28:30] He said, We can do it.

Angel’o Hill: [00:28:31] I said, okay. He said, But can I tell you a story? I’m like.

Angel’o Hill: [00:28:35] Oh, God, I’m being honest. I’m frustrated. I’m like, Yeah, go ahead.

Angel’o Hill: [00:28:39] He was like, So I was in the car and I have a business partner. I said, okay. He said. You know, we were driving and, you know, I pulled it.

Angel’o Hill: [00:28:48] I said, You did what?

Angel’o Hill: [00:28:50] And in my.

Angel’o Hill: [00:28:50] Mind, you know, I’m like, okay, this is really childish. I don’t want to hear this. And God told me, Shut up.

Angel’o Hill: [00:28:55] Listen.

Angel’o Hill: [00:28:56] I’m like. Look at my posture change. I’m just looking at I’m like, You’re crazy.

Angel’o Hill: [00:29:01] And he was like, Yeah, I pulled it. I said, You pulled it? He said, Yeah, I pulled it. I said, What is that? He said, I, you know, he made a poot sound, so I’m laughing. Oh, my goodness. I said, You put it. He said, Yes. He said, I put it in the car.

Angel’o Hill: [00:29:14] And my partner got mad at me.

Angel’o Hill: [00:29:16] And he got out the car. He told me to get.

Angel’o Hill: [00:29:18] In the back and he’ll.

Angel’o Hill: [00:29:19] Drive.

Angel’o Hill: [00:29:19] So he said, So in my dream I got in the back.

Angel’o Hill: [00:29:23] He drove and in my mind I’m like, He’s just crazy.

Angel’o Hill: [00:29:25] I let him drive. I didn’t want to drive anyway, just.

Angel’o Hill: [00:29:27] In his dream, he said. And his partner.

Angel’o Hill: [00:29:30] Locked the door, put the car in drive, jumped out the car with him in it, and ran it into the river.

Angel’o Hill: [00:29:36] And I was like, Huh? I said, What? He said, Listen to me, Papa. Listen. I said, okay. He said. And I woke up and said, God, what was this dream?

Speaker7: [00:29:48] Mhm.

Angel’o Hill: [00:29:49] Say, what is the dream. He said I went and.

Angel’o Hill: [00:29:54] God told me that my partner was my enemy.

Angel’o Hill: [00:29:56] So the dream was to tell me that my partner was my enemy.

Angel’o Hill: [00:29:59] He said. So I didn’t want to believe God. So I got to work and my son called me.

Angel’o Hill: [00:30:04] And he said, Papi.

Angel’o Hill: [00:30:05] I want to come work with you. And he said, You know, in my field, I don’t believe in making my kids do what I do. He said, But for my child, I want to work with me. I was happy.

Angel’o Hill: [00:30:14] So I told my partner, Hey.

Angel’o Hill: [00:30:16] My child wants to work with me. My son.

Angel’o Hill: [00:30:18] My partner said no. I don’t want your son working with us. No. No kids.

Angel’o Hill: [00:30:24] He’s like, My son is grown.

Angel’o Hill: [00:30:25] I don’t want that.

Angel’o Hill: [00:30:26] He said the next week his partner had his son working after he had denied.

Angel’o Hill: [00:30:30] His son to work with him, which opened his eyes to.

Angel’o Hill: [00:30:34] Show him that God was telling him that his partner was his enemy. So God told him to make a change. So the next day, 50,000 was.

Angel’o Hill: [00:30:42] Missing out of his account. He was telling me.

Angel’o Hill: [00:30:44] This and he was like, the only person that had access was the partner. And he told the partner, Why did you take the money? He was like, I didn’t take the money.

Angel’o Hill: [00:30:51] But if I took it, I have a right.

Angel’o Hill: [00:30:53] As part of my business. He’s like, No, I. I asked you to come aboard. I bought the stuff.

Angel’o Hill: [00:30:59] And he said, Poppy, he looked at me and said, Poppy, God.

Angel’o Hill: [00:31:02] Told me to let it go.

Angel’o Hill: [00:31:04] Give him everything. I said, okay, and look at me.

Angel’o Hill: [00:31:09] I’m so carnal minded. I don’t care about what he going through. I’m like, How are you going to deal with me? You know? And he was.

Angel’o Hill: [00:31:14] Like.

Angel’o Hill: [00:31:14] So, papi.

Angel’o Hill: [00:31:16] I’m going to have magnussen’s. I say, What? He said, God says manna. His manna. It’s going to be manna signs.

Angel’o Hill: [00:31:25] I said, okay. He said, I’m a let everything go and God’s going to bless me. So for that, I’m going to bless your business and I’m going to do everything for free. Right now, he said. And when God bless you, you take.

Angel’o Hill: [00:31:35] Care of me.

Angel’o Hill: [00:31:36] I’m like, You know what? What if I was stupid and didn’t hear that story? So then Bread Delicious came about.

Angel’o Hill: [00:31:41] And it was tough.

Angel’o Hill: [00:31:43] It was not easy running bread, but delicious. The first six months was rough, but in. In the roughness there were souls coming.

Angel’o Hill: [00:31:54] Coming.

Angel’o Hill: [00:31:55] And the pivotal point.

Angel’o Hill: [00:31:56] Of my life coming for Christ.

Angel’o Hill: [00:31:59] And that was an avenue. And a lot of souls have been saved thus far. And just to see now where we’re at and to see even corporate come down and say, Hey, we’re going to give you this special rent amount. Don’t tell anybody because you have brung a light to this business.

Angel’o Hill: [00:32:18] I’m like, What? And then I come to church. And of course, our.

Angel’o Hill: [00:32:22] Lovely, wonderful overseer, Thomas Pulliam Senior, he hears God.

Angel’o Hill: [00:32:25] So he just.

Angel’o Hill: [00:32:26] Makes a joke on the pulpit, huh? Ain’t God good? I’m like.

Angel’o Hill: [00:32:29] He told you?

Angel’o Hill: [00:32:31] And he, like, give him a praise. I’m like, Yes, he is good. He said, Didn’t I tell you God was going to bless you? Didn’t I tell you that God was going to use spray delicious to draw souls and families to Christ? He said, Because your hands are blessed. And it brought back to the intent of why I cook, to bring people together. So that was just encourage anybody know it’s going to look rough. I mean, at one point I was $16,000 behind on the rent and I’m like, God, why did you give me this?

Angel’o Hill: [00:32:59] And I’m not making enough money to get it done.

Angel’o Hill: [00:33:01] And then the owner and the corporate come down and say, we’re just looking around. I’m like, God, we’re about to lose this.

Angel’o Hill: [00:33:07] This bread for the bakery.

Angel’o Hill: [00:33:10] Like, this is crazy. And it was God really humbling me. It was to a place where even though I learned that people will say they’ll bless you.

Angel’o Hill: [00:33:19] I take care of you. Just.

Angel’o Hill: [00:33:20] Just take your time. When God bless you. I learned it may sound crazy. I learned not to believe that. Because men are fickle. We cannot be trustworthy. We can’t trust the man, but the God in them is what you trust because God will prick their heart to make sure the integrity is in place. But I had to learn. We’re so quick.

Angel’o Hill: [00:33:39] To make the make the you.

Angel’o Hill: [00:33:42] Know, hey, I’ll bless you and have patience with you. But until you.

Angel’o Hill: [00:33:45] Start running out of money.

Angel’o Hill: [00:33:46] You know, and I started learning, okay. So God had to humble me. And at that time, that man walked in. My building was looking around like, okay, what can we do with this building? I’m like, okay, we’re about to lose. I just got on my knees. I didn’t care if they was in there. And I just closed my eyes and prayed to God, what do I do? What do I do, God? What do I do? And then we sold our home and it was crazy. We sold our home at almost triple and it was like, What?

Angel’o Hill: [00:34:10] God, what did you just do?

Angel’o Hill: [00:34:12] And I was able to take everything and take and take and take care of everybody, pay everything off. And it was crazy because I was like, God.

Angel’o Hill: [00:34:19] How did you do this?

Angel’o Hill: [00:34:21] I’m looking at the worst and I’m praising God and I’m still opening up knowing the situation, not knowing the owner was down there looking around, telling them, No, we’re going to keep him. But I was nervous, like, Oh God, I owe this man. This man said he was going to wait on me and now he’s on my phone telling me to pay him. And I’m like, I.

Angel’o Hill: [00:34:42] Thought you said God said, You’re bugging me every day. I don’t have the money. I’m not trying to get.

Angel’o Hill: [00:34:48] Over on you, you know. But it was it was teaching me that, no, you have to trust God. You have to trust God, His timing, because sometimes he may be working on the other individual, you know, because of what they spoke and knowing they hardened to it, you know, And I had to learn, okay, be patient, you know? So that’s really delicious. And God has been a blessing. I met you. You know, it’s just so we’re excited. You know, Brett Polish is doing very well right now. You know, a lot of a lot of families come on board and just, you know, just want to help out. And me and my family, me and my wife has gotten even closer. Now. We have two children. When we started, we didn’t have none, you know.

Sharon Cline: [00:35:25] To go.

Angel’o Hill: [00:35:26] So that’s been a challenge, but it’s been a blessing. And I’m truly grateful for Brett for Delicious and our catering business, Collard Greens and Blessings Catering. So it’s just I’m excited and we’re and we’re really looking forward to spread out even more. And really the vision I asked God for is to franchise it and make sure that I make the right decision to choose the right leadership that’s going to that’s going to do the same thing and that’s going to have in Germany and Japan and places everywhere. But that avenue is going to be open to have Christian Night Souls get saved because a lot of times we say we’re a Christian business, but we’re not. We’re lying. And I learned that by the stands I had to make make even at the the mall when they told me, put Jesus down. I’m like, what? Yeah, the the office doesn’t like you having Jesus on your sign and on your wall. I’m like, I’m not doing that. And they were like, Well, you have to. That’s a part of your contract. I said, Well, if it’s a part of my contract, I need to go inside of the Spencer stores and all the other stores that has things that are not appropriate for my eyes and offensive and take it down.

Angel’o Hill: [00:36:29] That lady came back to me and said, I am so sorry to you. I apologize. You’re correct and we will not bother you again. So when I started making those stands, I started learning like, okay, we say we Christian business, but are we really standing for Christ or are we standing for the money that we need to make? Because if you stand for Christ, you’re going to lose. You’re going to lose a lot. And it’s a good lose because you got to say, okay, am I really in it for money or am I really in it for souls? And that’s where the testing comes. So God will make sure you don’t get you don’t get what your desire is because you said you was there for soul. So he’s like, okay, I’m going to take care of your home, take care of your business. I’m going to bless you, but it ain’t how you want it, because I may need you at this place for that soul. I can’t have you too high because you may. You may turn that soul away. And you may need to be there to build them where they need to be at. And I learned that it takes a lot.

Angel’o Hill: [00:37:17] So pray for Delicious.

Brian Pruett: [00:37:19] So you will share with me with the employees. You guys work with and have and, and you just talked about how families come in and, you know, they’re reached by the employees from you guys. I just that’s just that’s awesome. So, um, that’s an example of patience, faith, listening, trusting. All right. There. And I got to say, mine was just tested this past week because, you know, I do a monthly trivia show for nonprofits. And last night was our Wednesday night was for the Etowah Scholarship Foundation. And the week before was spring break. Right. And so a lot of people were gone. And I only had ten tickets sold and I’ve been having 60 people at these events. So I was nervous and I was like, man, what am I going to do? And so my wife and I started praying, you know, and we pray every month, man. God, please bring us the attendees. And it was like the floodgates opened the Monday morning because we had 71 people there. Yeah. Wow. You know, and it’s like, you know, with ten tickets to 71 people coming was just, you know, so it’s just awesome to learn. And you and I talked about to one of the things that sometimes can be annoying, but also a little dangerous too. Or when people walk around and they have to profess that they’re Christians, right? And a Christian business. And instead of leading by example like you’ve been doing, you know, when you talk about God be the glory, you know, and stuff like that. So. So I got to go back. I’m going to go back to Miracle for a second. Okay. Because she’s the real boss.

Sharon Cline: [00:38:48] No, no, no.

Brian Pruett: [00:38:49] No. I know God’s a real boss, but of you guys, she’s the real boss.

Angel’o Hill: [00:38:56] She’s different. Yeah, she’s different.

Sharon Cline: [00:38:57] Yeah.

Miracle Hill: [00:38:58] I can’t agree with that.

Brian Pruett: [00:39:00] Well, that’s right. So I just from your perspective, I just like to hear the story how you guys met. I mean, you rob the cradle, as they say, from what I just heard. So how we.

Angel’o Hill: [00:39:08] Met. Yeah.

Sharon Cline: [00:39:09] No, no, no.

Miracle Hill: [00:39:12] How did we meet? We met. Uh, okay. So my roommate in college was an RA. She was a resident assistant. And they work together as rays, right? I stayed with my roommate, and at this time of my life, I was really at a pivotal point in my relationship with God. And I was not living a Christian life at that time. And God was like, Hey, you got to get back to me now. This is your spiritual life is at stake. You got to find me now. I got to get you got to get back to me or you’re done. And I was so convicted, I was like, Look, I’m not from here. And she had been she had been living in Atlanta for a while. So she knew the locals and everybody. So I said, you know, do you know somebody who has a local church here? You know, do you know somebody who has a church? I got to get to a church. And at that time, I was really, honestly just trying to save my soul from hell. I wasn’t really, really trying to get a relationship with God again. I was really just trying to save save myself. You know what I mean? Like, you know how people don’t really I don’t really I didn’t really want to live the life at the time.

Miracle Hill: [00:40:29] I just wanted to save myself. And that’s my honesty. That’s my truth. Okay. And so I said, you know what? I just got to get this. Just got to get to church. And so she said, Well, I have a brother. That’s what she said. She calls she said, Brother, this is my brother. I work with my brother and he has a home church. And I let him know that we’re going to go to church on Sunday. Well, she she worked nights and weekends and all this stuff. And so she she said, well, I talked to him. He’s going to pick us up and we’re going to go to church. Okay. But she works late the night before and ended up going to going to her cousin’s house that night. And so she says, well, I just I’m going to meet y’all. He’s going to pick you up in the morning. I’m going to come home, get dressed and meet y’all at church. And I said, okay. I wake up that morning and I get dressed and I wake up to a text message giving me the directions to the church, and I’m like, Well, I don’t have a car and I don’t have no money for an Uber. I ain’t going to tell you that because I didn’t know you at the time. Right?

Angel’o Hill: [00:41:31] So we ain’t made a choice yet.

Miracle Hill: [00:41:33] And so I’m ready. And then she gets home and says, Well, why are you still here? I said, Yeah, he didn’t. He didn’t come get me. He said he had to go pick up his brother a little ways away. And and now here I am. I’m still here. And so I was like, I’m done with folks. I don’t want to go to nobody church. I don’t want to go to your church for sure. I’m not. I’m like, I’m done with that. So I didn’t go and he said he called me and said, Hey, we’re only having a short service this morning. I. I’ll pick you up for the evening service. And like I said at the time, I was just trying to clear myself with God. I wasn’t trying to really have no relationship with him, so I wasn’t trying to like go out of my way. He’d pick me up for the morning service and I wasn’t trying to have an afternoon service. I was like 430 when who who has church at 430 at oh, this is my to y’all. And he says, I said, Well, don’t pick me up in No. 430. I ain’t going No. 430 service. You pick me up next week for the morning service. And then once I’m done with that, you know, I’ll go home and have my dinner ready for Sunday. And and so she calls him upset because I’m still there. Right. And tells him, hey, why you ain’t pick her up. And so she puts him on speaker and he talked me down. He said, yep, black women, you know, they don’t they don’t want to seriously live for God. They don’t fool with black folk. They just they just not. That’s why don’t fool with black women. That’s why I can’t stand them.

Angel’o Hill: [00:43:04] I got issues back then. I was really.

Sharon Cline: [00:43:05] Bad.

Miracle Hill: [00:43:07] And meanwhile, he’s on speakerphone, so I’m listening. She’s like, she ain’t serious about God. She ain’t want no relationship with God and all this. And I’m talking about I’ll just tell me down on the phone. But he’s on speakerphone, so I hear it. And so I said, Cool, cool. She got on the phone with him. I was like, I ain’t going to nobody church who has that view? I just trying to get back at the guy. Right. So long story. I did not go finish out that school year that was close to Christmas, went home for Christmas and came back, met this man of God on the elevator singing He was going in, y’all, Jesus will.

Sharon Cline: [00:43:46] Fix it for you. Okay.

Miracle Hill: [00:43:48] So he going in and I’m like, okay, what’s up? We singing, We singing. I mean, we had maybe like 2 or 3 other people on the.

Angel’o Hill: [00:43:57] On the elevator.

Sharon Cline: [00:43:58] Going, We’re.

Miracle Hill: [00:43:58] Just singing. And so we finish our little verse. And I said, Hey, what’s your name? Well, no, he said, No. He said, What’s my name? And I said, I’m Miracle. And he says, Miracle? Yeah.

Sharon Cline: [00:44:11] She said.

Angel’o Hill: [00:44:11] Angel, I’m like, Oh God.

Miracle Hill: [00:44:14] You’re who I was avoiding before. So I was like, Hey. So we talked it out because we had a little disagreement about him not picking me up. So once we resolve that, you know, we were like besties ever since. And then God worked that too. Like, I woke up like nine months later and I was like, told my mom, I said, Mama, I think I’m falling in love with my best friend. I don’t know if that’s like permitted, like I don’t want to do that. So she was like, well, you know, just let the Lord lead you. She said, Pray about it. She said, Don’t tell him nothing right now. So she just said, Just pray about it and just don’t tell him nothing. And so I let that prayer go for a while and looked up and at what was it, November? He he came to me and was like, you know, I believe that. I believe that you’re my wife. I believe that, you know, God has predestinated us to be together and for you to help me with my vision. And that was the long story short.

Sharon Cline: [00:45:15] And it was a lot.

Angel’o Hill: [00:45:17] Of important.

Angel’o Hill: [00:45:17] Things in the middle of that. Yeah.

Sharon Cline: [00:45:19] Yeah. Just the marriage. Yeah, yeah.

Angel’o Hill: [00:45:21] See a lot of it. You know, even with at that time, I was angry because. Being at a church where I was at. It broke all of the pain that I chose to be at another church. And it seemed like everybody around me that was in my culture were faking God. I had never seen anybody lay down that was in my culture on the floor and cry to God. It was always an image and over God. But after church we were going to go smoke weed and do everything else and we’re still going to be saved. So I had a view of.

Angel’o Hill: [00:45:55] Just.

Angel’o Hill: [00:45:55] Religion, black women and just the damage. So I seen the the what the practice is just of what she would say and how she was doing. I’m like, no, you’re fake.

Angel’o Hill: [00:46:08] No, no, because I was.

Sharon Cline: [00:46:11] I was religious.

Angel’o Hill: [00:46:12] You know, all I seen.

Angel’o Hill: [00:46:13] At that pivotal point in ministry where I’m at now was truth. No. Be who you are. No. Serve God. No. Quit all the antics. Be who you are. Trust the Lord. No, it don’t take all that. Because I’d rather you not shout and speak in tongues and love your brother.

Angel’o Hill: [00:46:30] You don’t need to.

Angel’o Hill: [00:46:31] Speak in tongues. Shout and play this role like you got God, but you got hatred in your heart. So that was in my that was in my teaching. So I was like.

Angel’o Hill: [00:46:38] No, I don’t want He was hard. I don’t want.

Sharon Cline: [00:46:41] Hard. I don’t want.

Angel’o Hill: [00:46:42] Him. I don’t want that type with me. No, I.

Angel’o Hill: [00:46:44] Want you to be honest. I want to know who you are. I want to know your your downfalls, your ups and downs, your bad days. Good days. Because that’s all I was used to. Because it broke me. Because I came from that type of environment I came with. The church was, you know, the image. And, you know, we’re going to look like we’re holy. And if you get baptized, that’s all that matters. And you can go sin and you can club, but as long as you got baptized, you’re going to make it to heaven. And that damaged me. So when God shifted me here to Heaven harvest ministry, it was like.

Angel’o Hill: [00:47:12] Oh, this is tough being here.

Angel’o Hill: [00:47:14] Whoa, Oh, I am, man.

Angel’o Hill: [00:47:16] I’m not holy.

Angel’o Hill: [00:47:17] Oh, man. Oh, man. I don’t know. God. And it was a and it wasn’t demeaning the teaching. The word of God was teaching like, okay, I got a lot of work to do. So it bring humility in my heart. It bring humbleness in my heart. And I had to realize, okay, I told her I have issues. That’s my problem because I don’t want nobody faking my life. I’d rather you say, Hey, I’m not close to God. I have these issues, but I love God and I’m trying to work it out. Man, I’ll be your best friend, but don’t put a role speaking in tongue and putting an image with a collar on your neck, but you still hating people. You still out there doing what you want to do and you’re being fake. So that was the issue at the time that I was dealing with while in school, because Pastor had put me on a mission while we were in school that we met. I had a man’s group that pastor was teaching me. He really was put me in the position.

Angel’o Hill: [00:48:02] To stay awake, was going through, because sometimes we.

Angel’o Hill: [00:48:07] See pastors, we don’t know the spiritual weight they’re carrying. That’s why a lot of them are dying right now. And because it’s a weight they have to carry the weight of those souls. They have to deal with issues. And I’ve watched this man who got up three services, still a father, still a still a husband, still going to school, going on, going to recital practices. After that, go to teach Bible study, go to Bible study at 430 and stay to midnight to sit there and talk to people and take care of people and put gas in their car. I watched that and I watched him still get up and make every appointment, still get up and don’t have no sleep. So it was breaking me like, Oh yeah, we don’t really know God because this man loved God. Who was this.

Angel’o Hill: [00:48:43] Man? Who are you, man? How are you surviving? They just told you they don’t care about you and you just pay for a whole year for them to live in their place because they didn’t have no money. And they came out your pocket, Not the church pocket.

Angel’o Hill: [00:48:55] What? I’ve never heard a pastor say, I don’t need your tithes and offering. I’ve never heard of that. No, I’m a man of God. I’m a husband. I take care of my own family.

Angel’o Hill: [00:49:04] I don’t need your tithes and offering.

Angel’o Hill: [00:49:05] If you don’t love God, keep your money.

Angel’o Hill: [00:49:08] We’ll be okay.

Angel’o Hill: [00:49:09] So just going through that and we learn each other and I was going through because I was in class dealing with the death of my mom, teaching seven people in there. That was hard headed, just like me. And I had to minister to.

Angel’o Hill: [00:49:22] Them and deal with their fight and deal with their personal.

Angel’o Hill: [00:49:25] Lives, deal with their sicknesses, deal with everything like.

Angel’o Hill: [00:49:28] Lord, what are you doing? I ain’t called to this. I’m dealing with my life. I got to preach to them every Wednesday.

Angel’o Hill: [00:49:34] So I had a I was dealing with.

Angel’o Hill: [00:49:36] Reality and seeing she.

Angel’o Hill: [00:49:39] Was in her own way of churchy.

Angel’o Hill: [00:49:41] God be the glory. I was religious.

Angel’o Hill: [00:49:43] How are you saying God be the glory?

Angel’o Hill: [00:49:45] But you’re drinking wine every night and you getting drunk. So that was my.

Sharon Cline: [00:49:49] I did. You know, So come on.

Angel’o Hill: [00:49:52] At that point of view, with me and her meeting, you know, everything she said was true. But the middle part of what me being involved in it was I didn’t like her. We did not like each other.

Angel’o Hill: [00:50:02] No, we did not. It was just.

Angel’o Hill: [00:50:03] Like, hey, you’re my brother and my sister. And then I invited her to church.

Angel’o Hill: [00:50:07] She came three Sundays and Pastor said, one of.

Angel’o Hill: [00:50:10] The guide you on the praise.

Angel’o Hill: [00:50:11] Team, I’m like, Hold on, Dad, hold on. I got to go, Dad. Now. Dad, what are you doing? I’ve been here 11 years. Yeah. You made us.

Angel’o Hill: [00:50:20] Live a life that’s pleasing.

Angel’o Hill: [00:50:22] To God before you even got on the pulpit. And if our spirits are not right, some days you sit us down.

Angel’o Hill: [00:50:27] Because it’s a privilege to get on that pulpit.

Angel’o Hill: [00:50:29] It’s not. It’s not.

Angel’o Hill: [00:50:31] It’s not wielding gained. No. It’s an honor to get in the Holy place because that holy place is a direction from God and to that servant, that man of God. And a lot of times sin has been put into the pulpit. Dancers from the world has been put in the pulpit. Tiktok be put in the pulpit When the Bible says if you do, if you do, his will in secret will reward you openly. So a lot of that teaching we were getting and we’re young y’all, our.

Angel’o Hill: [00:50:55] Ministry is young.

Angel’o Hill: [00:50:56] But now 95% of of our ministry is married with children. Unheard of. No sicknesses, no deaths.

Angel’o Hill: [00:51:02] Unheard.

Angel’o Hill: [00:51:03] Of. So and it’s only because our pastors preach preaching, holiness and righteousness. No, y’all can’t live it. No, you can’t live saved. No, you can’t live perfect. But you’re going you’re going to fight. You’re going to work through your things. You’re going to go through the process. And that’s a part of it. Be honest with yourself. So as we were going through the process, I’m like.

Angel’o Hill: [00:51:20] Well, she’s on a price. This is bull crap.

Sharon Cline: [00:51:22] This is not what is this?

Angel’o Hill: [00:51:25] And then she then he said, Well, I’m the guy. God says, You’re going to protect the money. So when they were when they would serve and they would count, she would stand guard at the door. And I’m like.

Sharon Cline: [00:51:35] What?

Angel’o Hill: [00:51:36] This is not cool like. No. So every every.

Angel’o Hill: [00:51:41] Wednesday I will have to pick her up. From Alpharetta. No, from Dunwoody. We have to drive to Conyers and have practice Conyers cars. So that journey every day started building our relationship. Yeah, we started talking about everything. You did what? I did this for real.

Angel’o Hill: [00:51:56] Girl, that’s crazy. You did this? Yes. What? Oh, that’s crazy. Yes.

Angel’o Hill: [00:52:00] My past was crazy. I was crazy for real. So we started building a brother sister Bond. I truly believe this marriage was a trap by God. That’s why I said so.

Angel’o Hill: [00:52:09] I had no. I was not turned.

Angel’o Hill: [00:52:11] On with her. I was like, No.

Angel’o Hill: [00:52:13] No, I want me Hispanic. I want me Caucasian. I don’t want to deal with nobody black. That’s my mindset. I don’t want to deal with it.

Sharon Cline: [00:52:20] I’m tired of his.

Miracle Hill: [00:52:21] Rant that he went.

Angel’o Hill: [00:52:22] On. I just went.

Angel’o Hill: [00:52:22] On it and God was like, Ha! So not knowing God told pastor that she was my wife.

Angel’o Hill: [00:52:31] He didn’t tell me yet, so he rebuking me on Sundays.

Sharon Cline: [00:52:35] He didn’t tell me.

Angel’o Hill: [00:52:36] If you want to be a man of God, you can’t be a man of God living with another man. You got to be a man of God. Get on your own. You’re the head of your household. You got to take care of your family. You can’t be doing this. If you want to trust God, go get your own. Go buy your own land. I’m like.

Angel’o Hill: [00:52:48] I feel like you’re hitting me right now.

Angel’o Hill: [00:52:51] What are you talking. Why are you rebuking me? I’m good. Why are you? But he was preparing me. Of what I did not know.

Angel’o Hill: [00:52:58] So through the timing, our bond got close. She bought me a gift. And it’s like everything that I had a list on what I was going to put a woman through to see if she meets the qualifications. God put me through it before I start dating.

Angel’o Hill: [00:53:11] And she was like, I.

Angel’o Hill: [00:53:12] Got you, man. I God, let me leave school. I go help you.

Angel’o Hill: [00:53:15] I’m like, No, I’m good. I’m a man.

Angel’o Hill: [00:53:16] I fix my own tire. I call my brothers. No one answering who shows up miracle. So my pride is intact. I’m like.

Miracle Hill: [00:53:24] Oh, and I had a finals test that night.

Angel’o Hill: [00:53:26] Yes.

Angel’o Hill: [00:53:27] And I said, Don’t worry about it. Woman of God, God bless you for the finals from helping me. God bless you. Don’t worry about it. Because of your faith going out, taking care of me. God bless you. She went back. She got an A.

Angel’o Hill: [00:53:39] They blessed.

Angel’o Hill: [00:53:40] Her. They got favor. But it shocked me because I’m like at that time in my place, I’m like, man, I’m going through. And this woman is always there.

Angel’o Hill: [00:53:47] What is this? No, I don’t want this.

Angel’o Hill: [00:53:51] And she didn’t tell you the part? What? I had left and went to work that Sunday. I was wrong. I had a place in my life at that job I was in. I was in fear because I was in a place of trying to please people. And my boss was like, You need to work Sunday. So I’m like, Oh crap, I’m getting rebuked for this because I don’t I don’t believe in this, but I got to go into work. So Pastor told her, Hey, woman of God, pray for Angel.

Angel’o Hill: [00:54:15] And I didn’t know you said Pray for Angel.

Angel’o Hill: [00:54:17] He’s about to change. God’s about to change his heart. So be ready. So make sure you pray. Now, I don’t know. I didn’t know she liked me. In my mind, I’m like, bull. I don’t want her. That’s my sister. I love.

Angel’o Hill: [00:54:30] Her. I don’t want her.

Angel’o Hill: [00:54:31] Yeah. So I’m in my dorm, which is the apartment. So I’m like, after I get off of work, I’m like, Man, I’m about to get rebuked. My pastor about to give it to me because I know better. I’m a leader. I supposed to stand on God’s word?

Angel’o Hill: [00:54:42] What made me fail to go back to work on Sundays? I know I’m wrong.

Angel’o Hill: [00:54:47] So I got rebuked. Of course.

Angel’o Hill: [00:54:48] He called me, rebuked me real good. You a leader? Man of God. God is first.

Angel’o Hill: [00:54:52] God ain’t never failed you. I’m like.

Angel’o Hill: [00:54:53] Okay, I get.

Angel’o Hill: [00:54:54] Off the phone, man. I’m driving. I’m like, Why.

Angel’o Hill: [00:54:57] Is Miracle on my heart?

Angel’o Hill: [00:54:59] Uh uh, I’m in the car like, No, God.

Angel’o Hill: [00:55:01] No, no, I.

Angel’o Hill: [00:55:03] Don’t want her. No. And my heart just started. I’m like, No.

Angel’o Hill: [00:55:07] This is crazy. No, no, no.

Angel’o Hill: [00:55:08] I’m in the car. I’m in my now I’m in my room like, no, God, no. I thought I was schizo. I’m in there talking to God.

Angel’o Hill: [00:55:14] No, no, God. Take her out my heart. Take her out my heart.

Angel’o Hill: [00:55:19] And all her. God says no. Get over what your anger is. You stereotype it? She loves you. She’s your sister.

Angel’o Hill: [00:55:28] She’s been there.

Angel’o Hill: [00:55:29] She loves God. Get over yourself.

Angel’o Hill: [00:55:34] I’m like, All right, God, if this is it, God, don’t let it hurt me. Please. That was.

Angel’o Hill: [00:55:39] My truth.

Angel’o Hill: [00:55:40] Don’t let it hurt me.

Angel’o Hill: [00:55:41] I’ve been damaged too long. Don’t let it hurt me. Because my heart loves and I love deep.

Angel’o Hill: [00:55:47] Don’t let it hurt me.

Angel’o Hill: [00:55:49] So a week later, it was just like, Hey, this is it.

Angel’o Hill: [00:55:52] Miracle. Let’s meet up.

Angel’o Hill: [00:55:53] You’re my wife.

Sharon Cline: [00:55:56] She’s like, Um. Okay. You’re my. Okay.

Angel’o Hill: [00:56:00] What is the movie? I mean, what is the bakery? Is it Einstein or Einstein?

Angel’o Hill: [00:56:04] Einstein Bagels. Yes.

Angel’o Hill: [00:56:06] On Peachtree. Dunwoody. Yeah. And. And she was like, Oh.

Angel’o Hill: [00:56:10] Okay.

Sharon Cline: [00:56:12] Well.

Angel’o Hill: [00:56:14] I do like you. I’m like, Yeah, let’s go ahead and talk now.

Miracle Hill: [00:56:17] Overseer prepared me though. Why are you wearing that church? But I didn’t know.

Sharon Cline: [00:56:21] I didn’t know. He’s like.

Miracle Hill: [00:56:23] Pray for the man of God. But God is going to get ready to give you everything that you want. He said, But he’s like, pray for him because he was his mother was ill at the time. Yeah, ill. And I said, okay. But he said, but God said, get ready to flip his heart. Turn his heart. He said, I’m going to get ready to hit his chest. Right. And that’s how he did it. He said, Boom.

Sharon Cline: [00:56:43] And I didn’t.

Angel’o Hill: [00:56:43] Know none of this, y’all.

Sharon Cline: [00:56:44] And so he said.

Miracle Hill: [00:56:45] He said, Yeah, but he told me that that Sunday and that Monday was he said he told me that previous week. He said we need to meet up on Monday. So I did that. I made sure I was okay. And then and then we met up and he said, Well, okay, so God had already prepared me, but we didn’t date. We courted because we were best friends, recorded with the intent to marry. But that’s how God did it.

Angel’o Hill: [00:57:12] But we didn’t touch each other.

Angel’o Hill: [00:57:14] That’s that’s my honest truth. Yeah. Because I think in ministry, you’d be honest, right?

Angel’o Hill: [00:57:17] We didn’t touch each other. It was hard. I didn’t tell her that it was.

Sharon Cline: [00:57:20] I didn’t tell her that for the Lord.

Brian Pruett: [00:57:22] It’s amazing how God works. I’m always talking about how he works in mysterious ways. And I love there’s a lot of things to love about God, but I think the most thing I like about him is a sense of humor, because he’s got a big one.

Sharon Cline: [00:57:33] He does? Yes, he.

Brian Pruett: [00:57:33] Does. Real quick, just share about the catering business. And do you guys specifically, you know, have a special events or anything that you do? Yeah, we.

Angel’o Hill: [00:57:41] Do.

Angel’o Hill: [00:57:41] We cater to every event, you know, not every event where it’s going to put us in a place of disrupting our belief in God. But we do weddings, you know, we do church events. We do pretty much do everything. You know, we cater corporate catering, you know, from fine dining to soul food. We do it all. You know, we just God has gifted our hands to do it all. And our catering company is Collard Greens and Blessings Catering. And we have another one that’s on the way. It’s called the Blue Kitchen. We’re working on that right now. I am on YouTube under Collard Greens and Blessings Catering. Are we doing cooking shows in my big blue kitchen? Nice. So we’re working on some things and in the future working on some restaurants that that we’re coming together with. But we cater to everybody.

Brian Pruett: [00:58:29] So if somebody’s listening and wants to get a hold of you for your catering or about bread, delicious, how can they get ahold of you guys?

Angel’o Hill: [00:58:34] Well, they can go to Brian Pruett delicious.com. It has our link with the catering WW dot bread delicious.com. And also they can call us at (678) 984-8594. And we will be gladly to assist and serve. That’s our biggest thing service we.

Angel’o Hill: [00:58:51] Serve so.

Brian Pruett: [00:58:52] Awesome. So Angel’o, Miracle, do you guys mind sticking around and listening to this next guest? Yes. Exciting. All right. So, well, you guys, we learned before the show that you guys share the same birthday. You’re a year apart and you guys have both your fathers, right? Same birth, same birthday. All right. So my next guest tonight, we found out we’re twins. Separated at birth.

Tara Key: [00:59:11] No, no, no, no, no, no.

Sharon Cline: [00:59:12] No, no.

Tara Key: [00:59:14] We look nothing alike. Right? Right.

Brian Pruett: [00:59:16] So, no, it’s pretty cool that so Tara Key from the Byrd Insurance Agency, thanks for being here this morning. And we met at the Cartersville Business Club. We learned that we share the same birthday, not only the exact same birthday, but the exact same day and year. Yeah. You know, so it’s pretty cool. And you guys have stepped up and being one of my sponsors all year long for the trivia and we’ll talk about that in the second. So I really appreciate that. But I’d like for you to share your story because you’re involved in the community. You love giving back. You have a passionate and caring heart, so please share your story.

Tara Key: [00:59:48] Absolutely. So it must be a day for ministry kind of stuff, because when I got into insurance, it was because of ministry. I had no intention to do insurance, but that was the last thing on my mind. You know, usually lawyers and insurance agents are the two most hated people in the world, so I didn’t want to be either one of them. But I was working in North Carolina with the reemployment services and my contract was running out. And my friend said, Hey, why don’t you, you know, come do insurance with me? And I’m thinking, I talked to people about their soul all the time and being prepared to leave this earth. You know, why not talk to them about being prepared for their family to be able to have what I call the privilege to grieve? Because it is a privilege to be able to know that you’re taking care of and that you don’t have to go back to work tomorrow if something happens to your loved one today too, or have to worry about a GoFundMe. Gofundme should never even be an option for people for funeral expenses. And too often that’s what we see.

Tara Key: [01:00:51] Okay. And unfortunately, I’ve lived through both scenarios. And so I thought, well, you know what? That is the perfect ministry to be able to talk to people. And it’s been amazing how many folks I’ve been able to be a blessing to you and be able to sit down with. And so over the last ten plus years, that’s what I’ve done. It’s kind of grown and. Of course, gone into other things. And not just life insurance, of course, but also now taking care of their home and their auto and taking care of business insurance and key person insurance and all those other things, too, for businesses. So, you know, it’s kind of expanded, but ministry most definitely is the reason that I got into insurance because I wanted to make sure that people were covered from A to Z and that families were taken care of, you know, in the most needed time in their lives. Nobody wants to have their home burned down. But if it does, we want to make sure that they’re covered. Definitely nobody wants to be in a car accident, but we want to make sure that they’re covered.

Brian Pruett: [01:01:53] So so I think it’s kind of cool because we network with some other insurance agents in our group and and everybody that I’ve met so far, networking type you guys, they’re you and a couple other people you guys really take to heart of taking care of the people right You not only can talk to them, but you will go to them if need be and sit down with them. I know we were with a company and I was with a company before and the gentleman who was the head of the agency passed away unexpectedly. And then the person that took over, we’ve never met. Right. We got a letter. This is your new agent, But we’ve never seen him. Right? Right. You know, and so obviously, I’m not with them anymore and things like that. So I just think it’s great that there are people out there who still care about the people. Absolutely. Um, share a little bit about bird insurance, please.

Tara Key: [01:02:42] So bird insurance actually is the oldest in Paulding County. We’ve been around since 1910. I know. I look great for 113. Okay.

Sharon Cline: [01:02:52] All right. Right.

Tara Key: [01:02:53] Absolutely. Absolutely. We like to say that we built our nest in 1910 with the bird bird isms there. And so we’ve been around for a very long time and which makes makes us very trustworthy because we don’t intend to go anywhere. You know, we’re going to be around, you know, we’ve been around for your parents, your grandparents or great grandparents, probably your great great grandparents. And we intend to be around for your great great grandchildren because we really do believe in keeping things local and keeping things transparent with our customers and being there for them. Whether you need to make a payment, whether you need to come in and ask a million questions about your policy. We have some people every time they their renewal comes about and we’re looking at a different company or whatever because we need to save them a little bit of money and they ask the same exact questions every single time. But we want you to be educated. And if it’s educating you every single six months or every single year about those things, then that’s what we want to do. And so we’re accessible to our clients. And so being those things and being that way to our clients has kept us around all of these years. And so that’s not going to change, you know, no matter who owns the agency right now, that is my lovinggood. And so as that, you know, someday she’s going to, you know, not going to be 113 years old and she’s going to need to have that perpetuation plan in place. And whoever is next is going to have those same values of being transparent and educating those clients and making sure that we’re accessible. And so having been that way and continuing to be that way has kept us around and will keep us around for a while.

Brian Pruett: [01:04:50] And it’s not that large of an age, right? Is there four of.

Tara Key: [01:04:53] You right now? There’s four of us, but we are growing and we’re very excited about that. You know, we’ve actually brought on a couple of new people. One will start next week and Tim Rogers is starting with us. He’s going to be an outside sales person. So I may be dragging him around to a few things with me. And then we have Tim.

Sharon Cline: [01:05:14] Oh, man.

Tara Key: [01:05:16] I know you can’t see this, but I’m about to smack him. And so and then we have a young lady named Aaron that’s going to be doing some stuff with us as well. She’s starting in the middle of May, and then we have a couple of other people that we’re looking at. And so we’re growing. And it’s because our clientele is growing and we need to make sure that we grow with them and that we are there for them so that if I’m not available to take a call, I’ve had three calls while I’m sitting here and I need to make sure that I can pass that off to somebody who is just as capable and just as trustworthy as I am. If they can’t get a hold of me, they know that Christy or Louise or Tim or Aaron or whoever can take just as good a care of them as I will. And all of our folks are incredibly, incredibly knowledgeable and patient and whatever they need to be with our folks. Because when you. Have clients like Brian or whoever that may be like him. You know, you have to have the best.

Sharon Cline: [01:06:21] Come on now. So, yeah.

Brian Pruett: [01:06:23] And the bird is the word, right?

Tara Key: [01:06:25] Bird is the word. That’s right. I started that hashtag. I’m sure it’s going to catch on. And you know, Bird is how we spell our name. And then when I do the word, it’s w a y, r d, So if you do that hashtag, you know, on Facebook or whatever, I kind of started that. So that’s my new thing. So there.

Sharon Cline: [01:06:43] You go. There you go.

Brian Pruett: [01:06:44] So as I mentioned, imagine yourself and your agency or a sponsor, one of our sponsors, deluxe sponsor for the trivia all along. So again, I want to thank you for that. But why is it important for you guys to be involved in the community?

Tara Key: [01:06:55] So giving back to the community is just one of the ways that we say thank you for the community supporting us. You know, it’s hard as insurance agents to give to people because of regulations and whatever. And so it’s hard for us to even for even just little gifts for referrals or whatever. So making sure that the community sees that we’re out there doing what we can to sponsor events like the trivia nights and knowing that we are doing our part in giving back monetarily and time and, you know, whatever we can to make sure that those things are supported in the best way possible are important to us, because that way they know that, you know, we’re not just sitting on our haunches collecting a paycheck and saying, okay, well you’ve given to me now, you know, that’s all it’s about because that’s not what it’s about. It’s about you’re giving to us and we’re taking what you’re doing and we’re giving to others because these people, you know, like Pettit Preserve or the Scholarship Foundation or the footprints on the heart, who are helping moms who’ve lost children or families who have lost children, you know, you can’t do enough for people like that. And so Brian and his fundraisers and the trivia nights and things like that are helping in ways that we could never go out and help, just as the four of us or as the little few of us. And so knowing that we are making an impact on people that we could never touch otherwise and giving back is is just one of the things that we do to say, hey, thank you as a community for giving to us so that we can give back to people who who need us in their time.

Brian Pruett: [01:08:42] And the cool thing is, if anybody’s listening and has a business, they want to sponsor this. This particular event that I do every month, you’re helping 12 charities all year long, right? So it’s not just one charity. You’re helping 12 different charities that touch a lot of people. So and people that come out and support it every month, whether they come out and just enjoy the food and have a good time. I know you and Madge like having a good time, right? Because, no.

Tara Key: [01:09:05] We don’t like having a good time.

Brian Pruett: [01:09:07] There. Probably some of the loudest folks when they’re there. So by the way, we missed you guys Wednesday night.

Tara Key: [01:09:11] I know, I know. You know, I’m the executor of the estate for my aunt’s stuff. And when we finally were able to get in there, she died last May. When we were finally able to get in there. I was just sworn in two weeks ago. So her home has been sitting and it was sitting through the freeze, even though we turned the water off. When we turn the water back on, we realized there was a pipe that had burst. And so we had a massive amount of damage from that. And so Wednesdays were the only days that I could get out there during the week to get the remediation team, the plumber, the, you know, all these people out there to check things out. And so we have a ton of damage on top of all the other stuff that that’s going on. So yeah, I did not get back till, till kind of late on Wednesday evening so yeah but we won third place the month before. Yeah. And so yeah, I’m excited to get back next month and take first place. I’m picking and choosing my team though, very carefully. I need people who know some trivia because, you know, my, my team has to be a little smarter.

Brian Pruett: [01:10:20] So some people, some people think that I’ve rigged this because the title sponsor won the first month, the first place the next month, both sponsors will finish second and third because Dr. Fahrenheit was second or too funny. And they actually know they won last month. That’s what it was. And you guys got third. And then last night, the title sponsor, our Wednesday night, they actually finished in second again. So I’m not rigging this just because my sponsors are there. So yeah, but anyway, no. So that’s actually what you were talking about with your you said your grandmother’s house. My aunt’s aunt’s house. Can you give a little some tips or advice for insurance based on, you know, just kind of that situation?

Tara Key: [01:11:00] Sure. Well, first of all, make sure you know what your coverages are. You know, read through your policy. As stupid as that sounds. You know, make sure that you’re taking time to read your policy. And if. You don’t know what it means. Go sit down with your agent. And if they are not going to take time to go through it with you and explain to you what these coverages are and you don’t have coverage that is going to cover you if something happens. Now, there are some coverages that you can’t add to a policy like you can’t add a flood policy unless you’re in a flood zone because, well, first of all, you don’t want to add a flood policy if you’re not in a flood zone because it’s a waste of money. But, you know, if you don’t have the backup of water and sewer on your policy, you are in a huge, huge risk because if water backs up through your toilets or your sinks or your tubs and does damage to your home, you’re not covered. So all of the damage that comes through that any rising water that comes up through those those systems are not going to be covered by your homeowner’s policy. And if you don’t have that one particular endorsement, you’re not covered. That’s very easy to check. And it’s very inexpensive. If you don’t have the mold and fungus endorsement on your policy, you’re not covered if that is found in your home. And that’s a very inexpensive coverage. If you don’t have replacement costs or on your contents, then you’re going to get actual cash value.

Tara Key: [01:12:31] And if it costs $1,000 to replace your 85 inch TV, you may only get 250 because that may be all that it’s worth when it’s time of loss. So you’re out 750 bucks. So there’s just things that you can check that are very easy for you to look at. And if you don’t understand what it means, go ask your agent. And again, if they don’t take time with you to explain it, find another agent because they should care enough about you to do those things. Make sure that you have on your auto policies. Make sure that you just are not carrying state minimum limits because you’re still liable for anything that happens above those limits. Make sure that you have an umbrella policy because if you have any assets that can be liquefied, you know, you’re going to you’re going to lose those, you know, So make sure you have an umbrella policy that would explain what that is. Sure. So when you are covering your auto your liability limits are the. Limits that cover the damages to the other persons person and property. So you have options. The state says that you have to carry at least 25,000 per person, 50,000 per accident and 25,000 in property damage. So if you hit someone, then that means that per person in that accident, there’s $25,000. So if there’s two people and you hit them, they can get $25,000 each in personal injury. But if you do more than that, they can come after your property and your liquid assets. So if you do more than $25,000 in property damage, they can come after you for the rest of the damage that you do to their vehicle.

Tara Key: [01:14:25] Most cars out there today are more than $25,000 even if you buy it used. The thing about that is, is that you can also only carry uninsured, underinsured limits as high as what your liability limits are, which means that your property is exposed if you don’t carry higher limits. Because if they hit you and they’re not properly insured, you only have those limits of liability for your uninsured, underinsured motorist coverage. So my mom and dad are going through this right now because they were hit by someone. That person only has minimum limits and now we’re having to go through and use their uninsured, underinsured motorist coverage because sometimes health insurance won’t pay out until you’ve exhausted all of your auto insurance coverages. So, again, just some of those things that you look at on your auto coverage. So the higher your limits, the better you’re covered. Normally, if you’re going to do an umbrella policy, you have to have at least 100, 300, 100, which means 100,000 per person for personal injury, 300,000 per accident and 100,000 in property damage. Steel, 100,000 on a car is still not enough for some of those cars. Teslas, you know, the rivian’s, you know some of those way more Cadillac Escalade, you know, so you can even up that to 250,000 if you wanted to. But then you’ve got your million dollar umbrella policy that goes over your home and your auto it covers. That’s why it’s an umbrella. It covers everything. So however you got to remember your business is separate from that.

Tara Key: [01:16:10] So if you have a business, you need to make sure that your business stuff is in a business name, that it’s incorporated so that they cannot touch your personal assets. Because if all of that’s in your personal name, your personal stuff is still exposed. So make sure that you get with your business attorney and your accountant to make sure that all of that is set up properly so that you are not exposing your personal stuff. Okay, So all of that is just some of those little bitty nuances that, you know, you just don’t know if you don’t know. But that’s where we come in to educate you and that’s why it’s important that you talk to your agent if there is even the slightest change in anything, if you buy a new home, if you buy a business, if you buy a new car, it’s it’s important to make sure all of those things are covered properly and that they are doing the things that cover you properly and don’t leave you exposed. Now, I know that sometimes budget comes into play and people can’t afford those umbrellas. They can’t afford to pay for those higher costs. And I totally get that. But when you when when you look at the difference and you look at the exposure, most of the time those coverages are minimal. And you look at what you waste on a Coke every day when you go to the store or stop wasting that money on a Coke and start buying your umbrella policy for 50 bucks a month.

Brian Pruett: [01:17:42] So I’m going to ask a question because I was wondering why I had to insure my umbrellas. You know.

Tara Key: [01:17:49] Not your actual umbrellas. Fine.

Brian Pruett: [01:17:52] I try to pull a rich baroque. It didn’t work. It didn’t.

Tara Key: [01:17:55] Work. I’m sorry, Rich.

Brian Pruett: [01:17:56] Sorry, Rich. I’m so sorry. I do have three other questions, because you kind of spurred some things that, you know, obviously, I don’t know and some other folks may not know. So three questions I have on the insurance side, one on auto and then two on home. But if somebody’s out there and you have to rent a car, right, and they offer you the insurance on the rental car, first of all, somebody accept that or does their personal car insurance cover.

Tara Key: [01:18:21] So your personal car insurance does go over to the rental car, but you have to make sure that you have full coverage. You also want to make sure, again, that those liability limits and uninsured, underinsured motorist limits are going to cover the value of. That rental car because again, if you hit someone or they hit you and they’re not properly covered, you’re still liable for those damages. So you want to make sure that you’ve got those coverages in place. You also want to look at your comprehensive and collision deductibles. Your comprehensive deductible means that if you have a glass claim, you’re a deer runs out in front of you and a tree falls on it during a storm, you know, things like that, things that you can’t control, it’s stolen or things are stolen out of it. You know, those things. Most of the time you can get a $0 deductible on them for your comprehensive. Your collision deductible is if you’re in a car accident, that’s your fault. That collision coverage covers the damage to your vehicle. So you need to make sure that you are not pricing yourself out of what you can afford. If you’re in an accident, that’s your fault. Usually you can go up to $2,000 for it for a deductible, and that just lowers your premium. But if you look at the difference between 500 and $1000 deductible, it’s usually like three bucks a month. It’s literally pennies. So, you know, you just want to make sure that those deductibles are are okay for your pocket if you were to have an accident. So you do have to make sure that you have appropriate coverage for the vehicle that you’re renting and that you have full coverage in place. So those things are important. Make sure you also have towing on your policy. If you rent a car in case that, you know, you break down somewhere and they don’t have anywhere to come and get you, that you can have that car towed and then be able to get something else.

Brian Pruett: [01:20:13] Is it worth somebody having both? Should somebody be able to purchase the rental insurance and having.

Tara Key: [01:20:19] Not usually I mean, I know of people who do and unless they offer something really crazy, then usually your coverage again, as long as you’ve got appropriate coverage is enough.

Brian Pruett: [01:20:33] Okay. So as far as the home is concerned, if somebody has collectibles like myself, I have a huge baseball card collection. So whether it’s that or sports memorabilia or antiques, are there special what are they called riders for? Anything like that?

Tara Key: [01:20:47] There are. So some policies will have them built into them. And it’s called a special property rider where you can insure something for the actual value of the item. Usually you have to have it appraised if it’s above a certain value for things like jewelry or whatever. We need to know, like the cut, clarity, carat, you know, the kind of metal that it’s put into for me, memorabilia, things like that. You have to know like exactly what it is, why we’re insuring it for that amount. So depending on what it is, it may need an appraisal, pictures or whatever. Sometimes we have a separate policy that we can put those on, and it’s a personal articles policy that you can do it for. You can do a $0 deductible on those things and that way you don’t have to pay anything out of pocket. The good thing about doing it on a separate policy is that it covers no matter what the loss is. So a homeowner’s policy will only cover it if it’s due to a fire or theft or things like that.

Tara Key: [01:21:55] A separate personal articles policy will cover it. Let’s say that you’re out at an event and you lose it. Your homeowner’s policy is not going to cover it if you lose it. The personal articles policy will. The personal articles policy will also cover it. Let’s say like my Galaxy four watch that I had when I had to have an I.V. medicine for a while and I didn’t wear it and I just took it on and off the battery charger. It just decided to quit working. But I had it insured. Well, they covered it because it was on my personal articles policy and it just decided to quit working. Had it been on a homeowner’s policy as a special rider, it would not have covered it for that. So and it covered it at a $0 deductible for a stated value. So now it won’t cover phones or electronics like a phone or a tablet, but it will cover computers, It will cover high end electronics like that, but it doesn’t cover phones and things like that that are covered through like asurion.

Sharon Cline: [01:23:06] So aren’t you.

Brian Pruett: [01:23:08] Impressed? I knew Rider.

Tara Key: [01:23:09] I am extremely impressed.

Brian Pruett: [01:23:11] Wow. See? There you go. All right. Last question on the insurance part is, if somebody’s renting, they there’s a special insurance for that as well.

Tara Key: [01:23:18] There is. So if you’re renting, you’re not responsible for the structure of the home, but you’re still responsible for your own items in the home. So if something happens to those, God forbid, the house should burn down or the backup of sewer and drain were to happen, everything in the toilet backs up and flows over. Or pipes burst and wets everything and molds everything. You want to make sure that you have coverage for that. And so normally what we do is we just say, okay, if you had to replace everything in the home that belongs to you, how much would it cost you? And people usually are like, Oh, I don’t know, I don’t have anything. So maybe 2000 bucks? Well, if you had to replace all your shoes, your hats, your t shirts, I mean, literally every single item that you own, it would cost a lot more than people think. So as you’re going through your house today, look at all of your stuff, take an inventory and just start thinking about how much it cost you to buy it to begin with and then say to yourself, Am I really properly covered? And then, you know, that will let you know. Yeah, I got a lot more stuff than I really think I do. And then if I had to go buy it again today, it’s going to cost me quite a bit more than it did then, especially if I go buy it brand new now. Granted, I may have bought this table at a yard sale, but if I had to go buy it brand new, how much is it going to be? So you know, we can insure you for 30,000, $50,000 for your personal items, and usually a $500 deductible is as low as those will go. But you can do $1,000 if that’s more comfortable. And those are very inexpensive policies, but it does insure your items. It ensures that if it gets wet from a pipe burst, if the backup of sewer drain, if it gets molded, any of those things so that your items are covered if something were to happen.

Brian Pruett: [01:25:10] Awesome. Thanks for those tips. I have a question that if any of us are business owner listening and either they’re new in business or they’ve had it and never thought about doing this. And it’s not just my event, although it’d be great if it was my event. Share the, I guess the benefits or the importance or all the above of being able to not only sponsor a fundraising event, but also being out there at a community event with like a booth or something like that. What share why somebody should think about doing that.

Tara Key: [01:25:38] Absolutely So well, first of all, the the benefit of it is meeting people, people that you would never otherwise see, people that come up to you. We were at an egg drop. Well, it was more like an egg fling. Egg scatter. I don’t really know what to call it. Eggos. Yeah, they called it an egg drop, but they had them in big boxes and they just kind of flung them everywhere across the field. We were at Life College and so we had a ton of people just come up to us and talk to us and ask us questions about their own policies and whether or not they ever are clients or not. It was just knowing that we could again pour into somebody else’s life that we would never otherwise be able to touch. And so, again, whether or not they ever come back to us, it doesn’t really matter. But we were able to, in that moment, help them with something. You know, those little kids that come up to you and they want a lollipop or they got so excited, y’all about these stupid yo yos that were, you know how the little yo yos you get from, like, Oriental trading or whatever. They were so excited about yo yos. They kept coming back and coming back because they’d see a kid with one and they wanted that yo yo. And those kids were so excited about those yo yos. And so they wiped us out of yo yos that day.

Tara Key: [01:26:59] But they were so excited. And to see them just get excited about a yo yo Madge’s husband dresses up like Santa Claus. And so we did the the reindeer run or I can’t remember exactly what it’s called, Etowah River Park in Canton. And people would come by and take pictures with him. And, you know, those kids were so excited about that. And so, again, whether or not they ever become a client, they know that in that moment, bird insurance was there for them. Just to put a smile on a face, to have a moment in time where they got to have a picture with Santa and they’ll remember that, you know, they remember that run when Santa was there, you know, and they’ll look at that. Our sign will be there. You know, our little chicks will be in their picture from the Easter egg hunt or whatever. But it’s a moment where we get to pour into other people’s lives again. And I know that God will bless that in return, and he will pour into our lives in the process. Because again, it’s about ministry and it’s about giving back to people who have nothing to give to you in that moment and whether or not they do in the future, that’s completely up to them. But it’s about ministry and it’s about giving to others who at that moment have nothing in return to give to you.

Brian Pruett: [01:28:15] Awesome. So if somebody is listening and wants to get a hold of you and talk about their insurance needs, how can they do that?

Tara Key: [01:28:21] So they can call the office if they would like to? It’s I just went totally blank. Seven. I never call the office, so I don’t know. (770) 439-7991. They can go to our website. Which is w w w dot b y. R d i n s u.com. I have no idea why they didn’t finish out the word. And then they can also email me at Tara Tara at birdie nsu.com. So there’s several ways to get a hold of us and you know we’re on Facebook, we’re on LinkedIn, they can go to my Facebook page, they can go to my LinkedIn page, you know, and they’re welcome to do that as well. So.

Brian Pruett: [01:29:10] Awesome. So if anybody is listening and you want to take part in events or be part of the community and stuff, I have some ways to help you out with that. I’ve got other events coming up. There’s still part to be chance to be part of trivia as well. I’ve got a huge event coming up in July that’s going to have some former professional athletes out. And we’re looking for for sponsors for that as well as we now have opportunity to sponsor this show. So if you’re listening and you want to be a part of all that you can go to, it’s email me. It’s Brian Brian at B’s and that’s B’s Charitable Pursuits dot com. I tried my B apostrophe s, but nothing like that. So that’s why it’s B’s like a bumblebee on the email. So just before we wrap this up, I always have I’d like to ask this question and I’ll ask all three of you. Um, I’d like for you guys to give us one quote, one word, one positive nugget to let somebody listening to live today and the rest of 2023 and beyond with and we’ll start with you, Miracle.

Sharon Cline: [01:30:08] Um.

Miracle Hill: [01:30:09] Why’d you put me on the spot? Oh, man. I had anything to say to somebody. I just say. Trust God. Trust. Angels? Yeah, man. There’s nothing. There’s nothing too hard for him to do for you and all he wants. He wants us to look at him as his father. That is in heaven. So, you know, I, you know, lift up my hands and what you got for me today? God like. And, you know, believe it or not, he’ll lead you. He’ll guide you. And. And he just wants us to trust him. So. So do that. And I promise you you’ll never go wrong, because.

Sharon Cline: [01:30:54] Right.

Brian Pruett: [01:30:55] Right. All right. You got to give something different, Angela.

Angel’o Hill: [01:30:57] Walk by faith and not by sight.

Sharon Cline: [01:31:00] All right, Tara.

Tara Key: [01:31:03] Um, I think that mine would be kind of along the lines of what our Cartersville Business Club says. You know, you don’t go wrong by giving to other people because it does come back to you. Um. You know you’re blessed by blessing others. God gives to you so that you can give to somebody else. He doesn’t give to you, for you to hide it in the ground.

Brian Pruett: [01:31:25] So awesome. Well, again, Miracle Angelo Terra, I appreciate you guys coming this morning, sharing your stories, getting positive and good news out there. Thank you for that. So everybody listening, let’s remember, let’s be positive. Let’s be charitable.

 

Tagged With: Byrd Insurance, Collard Greens & Blessings Catering

BRX Pro Tip: Keep a List of Your Wins

April 25, 2023 by angishields

The Rome Floyd Chamber Show – Floyd County Manager Jamie McCord and Rome City Manager Sammy Rich

April 24, 2023 by angishields

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Tagged With: City Manager, County Manager, Floyd County, Georgia, Hardy on Broad, Hardy Realty, Hardy Realty Studio, Pam Powers-Smith, Rome, Rome Floyd Chamber, Rome Floyd Chamber of Commerce, Rome Floyd County Business, Sammy Rich

BRX Pro Tip: Protect Your Mind

April 24, 2023 by angishields

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BRX Pro Tip: Protect Your Mind

Stone Payton: [00:00:00] And we are back with Business RadioX Pro Tips. Lee Kantor and Stone Payton here with you. Lee, today’s topic, protect your mind.

Lee Kantor: [00:00:09] Yeah. This is something that occurred to me, you will never allow someone to poke you, to punch you, to even get close enough to you to touch your body in real life. But online people let other people into their head to enrage them, to waste their time, and to get under their skin. Why is it that people invariably will not protect their mind and their head space as much as they do their physical body?

Lee Kantor: [00:00:40] And I think that everybody values their intelligence, their mind, their intellect, but they do not protect it as much as they do their physical body. And that’s a mistake. I think that if you can be as protective of your mind as you do your body, you will find you will get a lot more done and feel a lot less stress.

GACC South Unplugged – Karsten Uhlmann with Gilde

April 22, 2023 by angishields

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Tagged With: GACC South, German American Chamber of Commerce, German American Chamber of Commerece of the Southern U.S., Gilde, Karsten Uhlmann, Matthias Hoffman

BRX Pro Tip: Scary Day

April 21, 2023 by angishields

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Stone Payton: [00:00:00] Welcome back to Business RadioX Pro Tips. Stone Payton and Lee Kantor here with you. Lee, what is Scary Day?

Lee Kantor: [00:00:06] Well, this is something that’s a trend now or a fad. I don’t know how long it’ll last, but it’s called Scary Day. And this is a day that the young folks are taking this day to schedule things that actually scare them. And they’re trying to do that on a regular basis.

Lee Kantor: [00:00:22] And it got me thinking, that’s probably a good practice for business people as well. You know, you don’t have to do it – I think they’re doing it weekly, but if you do it every month or so and just deal with some of the stuff that you’ve been putting on the back burner, that maybe you’ve had a fear for trying it out and taking it to fruition, or testing an idea that you thought might work, but it might blow up in your face.

Lee Kantor: [00:00:47] Invest a day on doing the things that scare you. Put it in your calendar, maybe add things throughout the month of, “Yeah. That’ll be something I’ll take care of on that day.” And then, just start knocking it out and pull the trigger on some of these things that maybe you had a dream about doing, but you’ve been hesitant for whatever reason. You know, take one day, invest a day on the scary stuff.

Tracy Z and Fred Rewey with Note Investor

April 19, 2023 by angishields

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Tracy-ZTracy Z began investing in notes over thirty years ago when she quickly realized that she’d rather be a lien lord than a landlord. She has handled millions of dollars in real estate notes since 1988. She first started on the institutional side, heading up the due diligence department as VP for one of the nation’s largest seller-financed note buyers.

Loving the business but wanting to work for herself, Tracy co-founded a note-buying company in 1997. This developed into NoteInvestor.com, an online newsletter for private investors, and Cash Flow Expo, a virtual summit. Discovering like-minded lady investors, she created Wize Women Investors and the Wize Women Expo. This annual virtual conference brings together female investors with a desire to empower others to invest with confidence.

Tracy specializes in the use of tax-advantaged retirement funds to purchase notes and helps landlords wanting to ditch tenants to be the bank by safely creating and holding paper. A well-known educator, she has a passion for sharing her knowledge and guiding others on their note-investing journey.

Fred-ReweyFred Rewey is widely recognized for his negotiation, marketing, and deal structuring skills. His extensive background gives him a unique perspective on all aspects of the note industry. Author of three books and inducted into the National Speakers Association, Fred spends a lot of time on marketing – understanding human nature and creating automated funnels that turn prospects into raving fans.

Entering into his fourth decade in the note industry Fred started his note business from his kitchen table in a 500 square foot apartment. Later joining one of the largest institutional note buyers, Fred helped create buying programs and industry standards for the other side of the table.

In 1998 Fred left the corporate life to build Diversified Investment Services along with his business partner, and spouse, Tracy Z. Both parlayed that independent mentality to build multiple companies – most note industry related. Fred will always find time to travel, smoke cigars, enjoy bacon, and work on his golf game.

Follow Note Investor on LinkedIn, Facebook, Instagram and YouTube.

This transcript is machine transcribed by Sonix

TRANSCRIPT

Intro: [00:00:05] Broadcasting live from the Business RadioX Studios in Saint Louis, Missouri. It’s time for Saint Louis Business Radio. Now, here’s your host.

Phillip Hearn: [00:00:18] So hello again, everybody, and welcome back to Doc’s Discussions here on Saint Louis Business RadioX. I am Dr. Phillip Hearn, and I’m kind of geeking out. I told my guests this today. So I grew up in a in a time where even family friends were considered aunts and uncles. So this is kind of my aunt and uncle on the seller finance side of the world. So I’m extremely excited to have Tracy Z and Fred Rewey here on the show with me today. How y’all doing?

Fred Rewey: [00:00:49] Good. Thanks for having us on the show.

Tracy Z: [00:00:52] Yeah, and Iove that you’re doing this, Philip. This is just wonderful. And thanks for having us on.

Phillip Hearn: [00:00:57] Yeah, no, I appreciate you guys’s time. So I want to kind of take the listeners through how we got you to to today. So tell us about, you know, your background kind of how you got started in the business of real estate, but seller notes in general?

Tracy Z: [00:01:13] Well, we had two different paths and then we ended up meeting our paths, ended up joining both business wise and personal wise. Right. So do you want to start? Yeah, go ahead. All right. So I got started in 1988. I moved from a small town to the big city. I’m using air quotes here. Big city, Spokane, Washington.

Fred Rewey: [00:01:33] It is radio, so you got to tell them what do right.

Tracy Z: [00:01:37] And I had some background in real estate, but not a lot, a little bit from the title closing perspective. And so I went to work for a company that bought and sold seller finance notes. And the gentleman I went to work for had been doing it for 40 years. And now fast forward to today and I’ve been doing it since 1988, so over 30 years. So I got started buying and selling seller finance notes through that company. I did it through the company for ten years and then we started our own company in 1997 that buys and sells real estate notes, and we’re honored and fortunate to get to share some of these ideas and concepts with people, which is how we got to meet you. And along this journey, I met Fred, so I’ll let him tell that part of the story.

Fred Rewey: [00:02:20] Yeah, so mine’s a little different, although I started about two years later in the industry than Tracy did, which I don’t think she lets me forget. But apparently that’s a that’s a key extra two years, 1988 to 1990. But actually I was living in the West Coast and I was really just trying to figure out I didn’t have any background in real estate in order to my parents, obviously at that point. And I was really just trying to find a way to buy a house. So I happened to take a class at a college at night and it was on buying homes. And the gentleman that was teaching that has since passed away, but his name was John Richards, and he’s kind of an icon in the note industry way back. And I happened to be his class. He was the one teaching it. And then in one week period during that semester, he taught us notes and he taught us the financial calculator. And I just thought that was the coolest, most empowering thing ever, that, you know, even if you even if you don’t ever pursue notes, which we’ve done our entire lives and you certainly know this from a cash flow perspective, just knowing the financial calculator changes how you look at everything. It doesn’t have to be a house, it could be a car, it can be a credit card, it could be anything.

Tracy Z: [00:03:24] It can be a bobcat. We’re going to work that story of yours in.

Fred Rewey: [00:03:27] It can be a bobcat. Yeah. Yeah. So, Bobcat, the the equipment, not the actual cat.

Phillip Hearn: [00:03:32] Yeah, not an actual bobcat for the people at home. That would be.

Tracy Z: [00:03:35] Weird. Now, let’s not put ourselves here.

Fred Rewey: [00:03:37] But we’re not. We’re not rolling it out. We’re not. We’re just saying. But So anyway, I learned about notes and I thought, well, this is. This is really neat. So then I said, Well, when I when I have my own money, I’m going to definitely invest in notes. And John said, Well, why wait till when you have your own money? And I’m like, Well, how would I do it? And then he talked to me about just, you know, find the notes and flip them onto an investor. So I was kind of like that annoying, you know, that that Warner Brothers cartoon that’s got the big dog and the little dog yapping around him, I was kind of that probably, too, John Richards for about a year. And he kept just giving me information. And then and then finally he was I think he basically fed me my first deal. I think he referred because I don’t know how the person heard him, but I declared myself a business on a 500 square foot apartment and started doing notes from that point on. And then eventually was was doing well. I went to work for the same institution that Tracy was actually at, which is where we met. And then, you know, we left in 97. Basically, the one thing we couldn’t do was buy notes ourselves because it was a little bit of a conflict of interest working for the, you know, one of the largest note buyers in the nation. So we said, you know what? Let’s just let’s just go do it ourselves. And it really wasn’t to make more money because we were we were making plenty of money there. It was really just independence and flexibility. And so now, I mean, you know, now it’s weird. It’s weird, like Tracy said, you know, to be the ones that, you know, we have over 30 years of experience. It’s really strange to be those older people now. I don’t feel older, although yesterday was my birthday, but now, so I guess I am older. But I mean, yeah, it’s all weird.

Tracy Z: [00:05:03] Well, in 97, so Fred and I met through the note business. We had the same boss. Neither one of us were each other’s boss. But in 97, we decided to get married and to start our own company and to quit our. Two jobs, you know, Hey, what could go wrong? What could.

Fred Rewey: [00:05:16] Go wrong? Just push it all into a great idea.

Phillip Hearn: [00:05:19] Right, right.

Tracy Z: [00:05:20] Right. Yeah. We’re still married 25 plus years later. And. And still nobody is the boss of either one of us. And we love this business, and we’re excited to be here to talk about it.

Fred Rewey: [00:05:30] Wait a minute. I’m not the boss.

Phillip Hearn: [00:05:32] Yeah, Fred, we meant to slip you that note. Oh, that wasn’t even.

Fred Rewey: [00:05:38] That wasn’t even the show. Yeah. So we’ve done this for so long now. We’ve seen all the cycles. And so when we first entered, everybody that had been doing it, you know, as long as us or longer was saying, Oh, don’t you know, this industry survives. And both, you know, good economy and bad economy and real estate going up and real estate going down. And it all sounds good because I think every everybody that’s trying to tell you about a business will tell you that. But the reality is not true. But we’ve lived through it now, and the only thing that changes, you know, the seller Carryback financing is roughly 4%, give or take of all real estate transactions involve seller CARRYBACK financing. And the only thing that changes in a up economy or a down economy is the motivation of the person creating and or selling the note. You just get different types of people. So we’ve we’ve done this our whole life. A matter of fact, you know, since about 2000, I guess since about 2000, 2003, we just decided to want to be more mobile so we could still do this business and be out of the country for a month and go somewhere or go on vacation and still do it. So it’s been great.

Tracy Z: [00:06:40] And one of the things I love about it is just the financial calculator side, because if you understand the concept of cash flow and you can apply it to real estate or all sorts of things. And so that’s how we met you. Philip Right? You got interested in seller financing?

Phillip Hearn: [00:06:55] Yeah, Yeah. And as you said, the financial calculator. I can see that lesson in my head. I took that training probably 20 times in a row and just went, wait a minute, did I read this right? Did I see this right? But it’s such a massive component because I love how you guys bring up that it doesn’t matter the end product, right? It could be a house. It could be a car. It could be a piece of equipment. It could be whatever. It could be a business. Right. We talked about those as well, where you can insert that into the financial calculator. I say it like this. We all had the math class where you solved for X, right? This is the real life version of solving for X. So I can actually say my math teacher taught me something beyond the basic arithmetic that has outlasted what I thought it would, right? We’re solving for X at every point in time, so that’s the coolest part about it. So take our listeners into the concept of notes, because I’m sure they potentially mean they they see it every day. We do know that. But don’t think they understand the depth of what notes can become. Can you kind of give them a good snapshot and kind of give them a guide of when you say notes, what comes to mind?

Tracy Z: [00:08:00] For us, notes are backed by real estate. So most people are are used to a note when they think, I’m going to go borrow money from the bank to buy a home. So notes just a promise to pay. And that note can be backed by some security or collateral. So if you buy a home, that promise to pay is backed by the house. If you don’t make payments, the bank has the right to take back that collateral, which is the house. A note can be backed by a car or a boat or a piece of equipment, or it can be backed by nothing, which is called an unsecured note. We don’t play in the unsecured notes. We prefer notes backed by real estate. We can come at these. You can originate notes under certain laws and restrictions which we won’t deep dive into. But I just mention that for people. Or you can go out and look for existing notes. And so we go for seller finance notes. It’s a niche. It means a seller sold a piece of property and let that buyer make payments to them over time instead of getting a bank loan. So think of it kind of as an IOU or layaway program for real estate. So instead of the bank being the person getting the payments, the seller of the property gets the payments. Now the seller gets some advantages, the buyer gets some advantages. But in essence, that’s a seller. Finance note. It’s still documented with a note and a deed of trust or a note and mortgage, depending on what state you’re in. It looks the paperwork looks similar to bank paperwork. But but what it does is it gives people an opportunity to buy a home that maybe might not otherwise have been able to. And it might surprise people that there’s actually, on average 25 billion with a B seller financed paper created every year in the United States. So it’s a bigger number than most people realize.

Phillip Hearn: [00:09:49] Yeah, no, that’s a huge number that most people realize. And so I think it’s interesting, too, that you talk about that there’s so many niches and ways to kind of play in the spaces. Tell the listeners what are some of the favorite ways that you both and you and your teams play in the space itself?

Fred Rewey: [00:10:07] Yeah. So, I mean, the most common, the bread and butter of it really is, is just a residential house. If I owned a house and I sold it to, to you, Philip, and, you know, you just agreed to make me the payments. Um, you know, you might see a sign if you’re driving along. It says for sale by owner. That may be somebody that’s trying to avoid using a realtor. The owner will carry is somebody that’s an indicator that they’re going to carry back that paper or potentially carry back that paper. So a lot of what we’re looking for is to buy a note. And if, say, I sold a house and I carried back a paper and you’re paying me every month, that sounded really good until something changes in my life and I’m receiving those payments. And a year goes by, two years go by, and all of a sudden now I want to buy a car. I want to I want to send a kid to college. I have medical bills, whatever it may be. And so now I need I have the need to sell that note. And that’s where we come in or somebody that comes in and, you know, flips it on to somebody like us or someone else that buys them and that’s somebody that can help them liquidate the note, someone willing to step in and take over the payments and give them a lump sum of cash. So our bread and butter really is a single family residence that is either owner occupied or maybe somebody bought it to use as a rental and they’re making payments on there. The neat thing about this industry is it’s not everything doesn’t have to fit into a box like a bank.

Fred Rewey: [00:11:25] A bank. It’s like, okay, you better have this credit score and you better have this equity and you better have this, you know, this location and all this other, you know, all these other things. And we’re a lot more flexible on that. So we might you know, we look, we’re not necessarily always dealing with the best credit payer, not the person that sold the house, but the person making the payments. But they may have lived there for five years. They may have built up equity by now. There’s a lot of people that will miss a payment on their cable bill or their visa or something, and they’re never going to miss a payment on their house because that’s their house. And that’s just the genetic makeup of how they, you know, they do their payments. So, you know, we don’t have to buy the whole note. So, you know, a lot of times we’ll buy only part of the note. So someone may be owed 300 more payments and we may just buy 100 payments worth to get them the money they need today to go do whatever it is. And then after 100 payments go by, they get the note back and then they can sell it again or move on. But I would say real estate notes are probably the most popular. Then you start to get in a little bit of commercial, sometimes land. But, you know, we get to set how much we want to be in on the property. And that’s that’s kind of important from a risk standpoint. Yeah.

Phillip Hearn: [00:12:32] Absolutely. So let me ask you this. And you guys have a unbelievable knowledge base as long as you’ve done it, but as long as you’ve done it successfully, how do you look at your underwriting policies when it comes to digging into the notes? Right, Because I’m sure you guys get deals that come across your desk a ton every day, but there are some deals, like everything else that stand out more than others. Take us through that process of what that underwriting piece looks like for you and your team.

Tracy Z: [00:13:01] We like to look at some key factors, one being how much equity does that buyer borrower have? So a lower loan to value if they’ve got some equity. So if a house is worth 100,000 and they owe 80,000, they have 20,000 of equity. Maybe they have that because they put a down payment. Maybe they have that because they’ve paid down their loan balance through amortization. Or maybe they have that equity because home values have gone up as we’ve seen in the last few years. So someone that has something to protect skin in the game. That’s one indicator. The more they have to protect, the less likely that they are going to stop making payments. Or if they get into a bind, they have some options. They’ve got some equity. Their backs not up against the wall. They don’t owe $100,000 on a $100,000 house. So that’s the first thing we look at. We also look at seasoning, which means how long have they been making those payments? As Fred mentioned, if somebody’s been making payments for five years and they’ve been making them timely, that that’s a good risk because they’ve shown the ability to make their payments. We do look at their credit score, but that’s already been established. We’re not making new loans. We’re buying existing ones. So we look to see if there’s other compensating factors for that. So those are the main ones. We also look at the type of property. Some types of property are more risky. So we look at that. All of that mashes together. We’ll buy notes that come in all shapes and sizes. We are looking for a return on our investment. So we do look at what the yield is. But if the interest rate on the note is low and we want to hire interest rate, it’s just going to affect what we can pay.

Fred Rewey: [00:14:37] Yeah, I’m going to say this for for when we look at it, it boils for anybody listening, it boils down to two things. And everything Tracy just said comes under one of these two things. There’s two two acronyms to know. One is ITV and one is LTV. So loan to value is, is how much do they owe and what’s the property worth? That’s the equity in the property. And then ITV is what’s the investment that I’m going to put in to the value of the property. And I’m really looking at it in two ways. Loan to value is what is the likelihood if I buy this, the payments will continue. The more equity they have, if they get into trouble, they’re more likely to just sell the property and then pay me off than they are to, you know, create a lot of problems or walk away and jeopardize losing that equity. And then the investment to value is in the event that they don’t pay. What’s the likelihood I’m getting my money back out of it? So, you know, if I’m only owed 50,000 and the property is worth 100,000, then if things go bad for whatever reason, I’m going to be all right. The property is going to sell for something around 100, maybe 90, maybe 80, but I’m only in the first 50.

Fred Rewey: [00:15:40] I’m okay. So but what Tracy’s point of going through those, which is very valid, is everything offsets. So when we show each other a deal, we’re just saying, you know, you’re looking at and go, okay, you know, like, okay, got it. There’s really not a lot of equity in this property, but hear me out, okay? So then we’re like, okay, give me a reason to buy this property. Show me something. I’m really going to like that. It’s, you know, they’ve been paying for a long time. There’s some situation. It’s undervalued. It’s probably, you know, whatever, whatever it may be. And that’s where things that’s where the fun part is, because you can really argue over or discuss, you know, kind of prove your case as to why you should do it. But I would say for us personally, on stuff we’re going to hold, we’re probably more conscious about equity where we are investment to value than just, you know, like, look, I don’t I don’t need to have a giant yield. We don’t chase a big yield because, you know, 20% of nothing is still nothing, as we learned a long time ago.

Phillip Hearn: [00:16:35] So, you know, that’s that quick math, right?

Tracy Z: [00:16:37] Yeah. Yeah. My financial calculator for that one. I think one thing that people often get confused about our industry is because we’re talking about the property and that’s our collateral, but we’re truly not purchasing the property. We’re purchasing that note mortgage or note and deed of trust. And really what we want are just timely payments. We we don’t ever have to touch. Think about the property. That was a good deal for us. So the buyer, the owner of the property is making the payments. They have the right to enjoy it. They also have the obligation to fix it up and to pay the taxes and to pay the insurance and deal with tenants if it’s an investment.

Fred Rewey: [00:17:16] Calls the bank when the toilet’s leaking or anything like that, no one gets to call the bank.

Phillip Hearn: [00:17:19] That’s my favorite line. Over all the years that I’ve heard you guys, that’s what made it click in my brain. You go, It’s a 3 a.m. issue. The toilet or the fridge is broken. Do they call Chase Bank? Yeah, No.

Fred Rewey: [00:17:30] One’s called Chase Manhattan Customer service. Hey, my toilet’s leaking or the garage door broke or any of that. That doesn’t.

Tracy Z: [00:17:35] Happen. Lock myself out at 2 a.m. when the bar where my kid flush their stuffed animal down the toilet. Yeah. They don’t call the bank for that now. Bank of America. Not Mr. Cooper. No, exactly.

Phillip Hearn: [00:17:49] Yeah, they usually don’t care about that. They’re like, mean get a locksmith and hang up the phone.

Tracy Z: [00:17:53] Right, right, right, right. Call a plumber. Get a locksmith. So. So we have the benefits of something backed by real estate without the hassles of owning. So we’re buying the right to receive those payments and we only look to the property if the people can’t make the payments. And that’s really a last resort, because if somebody gets into buying, they can’t make their payment. We’re like, okay, is this a temporary life circumstance? How do we get you back on track? Our end goal is for you to keep this property. If they can’t, then we say, Well, what is a way that we can allow you to get out of this situation so you can move on to the next situation? So we’ll look at a deed in lieu of foreclosure or maybe doing cash for keys, helping them move on in their life to what is a better situation or at the very last resort is we would have to take the property back. But that’s not our intent. Our intent is to be able to have a nice return. They get to own the property and make their payments and someday they pay us off and we give them a release of lien and satisfaction and mark their promissory note paid in full. And that was a good deal for everybody.

Fred Rewey: [00:18:52] Yeah, we’re looking at the benefits of real estate without having to deal with the downside. The downside, you know, the one thing we miss out on is we miss out on the appreciation. So someone buys a house and the value goes up, that’s fine. But I didn’t buy it for that. I bought it at a yield that I’m comfortable earning. And at the same time, you know, sometimes you got a question appreciation when you start talking about, well, there’s maintenance, there’s a new roof, there’s taxes and stuff like, you know, just because your property went up 50,000, it didn’t mean that over the five years or seven years, whatever, you didn’t pay 50,000 and other costs. But, you know, so but we get the benefit of real estate without actually having to deal with all the downside of it.

Phillip Hearn: [00:19:26] So I’m glad you brought that up, because what I meant, what I think of in the last six, 12, 18, 24 months, I call this silly season, right, in terms of folks, let’s just say paying 50 to 100 K over asking price. Now they’re sitting there like Tracy mentioned, with no equity. So you don’t have to then worry about, Hey, by the way, I know I paid over this amount, but now I got to worry about maintenance and you two have seen a ton of cycles. So take us through. There’s always the opportunity in you guys’s words, and I remember this from the training mailbox Money, right? You’re trying to create opportunities for mailbox money with all the different cycles that you you all have worked through and lived through. I mean, 2008 comes to mind when you say real estate in 2008, you see people still tense up. And how many years ago was that? Right now, we’ve gone through this scenario with the pandemic. So take us through how you still create that mailbox money no matter what the cycle is. And Fred, I know you tapped into that a little bit earlier in the conversation.

Fred Rewey: [00:20:24] Yeah, I think I think some of it is, is really like I said, where are we, where are we in where are we exposed in the property. If someone has equity, there’s buffer there. And as Tracy mentioned earlier, when we look at different properties differently. So if there’s going to be a downturn in market, one of the first ones to get hit will be on that will be raw land. So if we’re going to buy into a note with raw land, I mean, it may sell for $100,000 one day and it could be down to 50,000 the next day if things are really turning. That’s one of the fastest products that move the opposite way because it’s a lot of spec. It’s also the first thing someone might like, Oh, so someone buys a piece of property going, Hey, one day I’m going to put a cabin out on this property. One day I’m going to have my me and my kids are going to go out here and go fishing. Well, when times get tough, that’s that’s that one day is the first thing to go. Because now, now today I got to pay my bills at home or whatever it is. So. So those are the first ones you start looking at what property do you own? And you keep a real close eye on that. And sometimes you lower it a little, you lower it, but over time you kind of stick to your guns.

Fred Rewey: [00:21:24] I mean, you’re not really looking at a 35% drop in residential. And I think naturally, also the category we’re in as far as the price point, we’re not buying the nicest house on the lot. You know, these you know, we’re not buying the $600,000, you know, note on a $800,000 house as much we tend to stick in to where it’s more I don’t want to say working class because that’s probably not right. But it’s affordable housing. It’s not it’s not super low. It’s not super high. It’s not going to be hit percentage wise, as strong as the other ones. And again, I would love to see, you know, go back to oh eight and stuff like that and really see the default rate among seller finance notes versus banks, because banks would rubber stamp a lot of stuff, you know, which is what got him into trouble in the first place versus, you know, some of the seller carryback stuff is a little bit more common sense underwriting. And you look sometimes you have to work during COVID, you have to work with the payer. Sometimes, you know, they lost a job and you know what? You just worked with them and go, Hey, what can you do? You know, it’s cheaper to work with somebody than it is to take back a property and try and redo it or have to get an attorney.

Tracy Z: [00:22:31] To fight them.

Phillip Hearn: [00:22:32] Right? Right. You can keep the attorneys out of it. You’ve probably done okay in the deals.

Fred Rewey: [00:22:36] But yeah, to answer your question, I would say, you know, look, we pay attention to most mostly to equity and then also maybe term. You know, if I’m buying into a partial, I may not do as big of a partial or I may do partial period where I normally would have bought a full note. And now I’m like, you know what? You know, this one’s kind of close. It’s a little gray area. We’ll go go to a partial. What do you think?

Tracy Z: [00:22:56] Yeah. And I also look at the opportunity of how can we help in these times that are coming. And we don’t have the crystal ball, but we do see and know for certain that rates have gone up and that as a result of the Fed trying to combat inflation and now we see that mortgage rates have gone up. And so it’s harder for people to qualify for a home loan. And that has helped with the silly season, as you said. I love that. When you first said that to me, said, Oh, that is a good description. Yeah, I don’t know how.

Fred Rewey: [00:23:31] I don’t know how else to describe that season. Yeah, that’s, that’s, that’s solid. I like.

Phillip Hearn: [00:23:35] That’s nuts. Yeah. Yeah.

Tracy Z: [00:23:37] Now that we’re transitioning out of the silly season and people are coming to reality of what interest rates are normally they’re they’re realizing that it’s a little harder to qualify sometimes for financing banks are being a little bit careful on who they lend to. They want to see a higher down payment and a better credit score. And so some very good, well deserving people are getting left by the wayside. And so I believe that seller financing, as has done in past years and the statistics show that there tends to be more seller financing when it’s harder to get a bank loan. There’s something called the Mortgage Credit Availability Index. The Mortgage Bankers Association tracks it. And right now it’s harder to get a bank loan. And when it’s harder to get a bank loan to buy a home, there tends to be more seller financing. It just makes sense. Doesn’t matter what the mortgage bankers say, just makes sense. If a seller selling a property in the silly season and somebody offering 50,000 over asking price, all cash, no contingencies, no inspection, they’ll pay all the closing costs. Why would a seller say, Oh, don’t worry, just pay me over 30 years? They’re like, No, I’m taking my cash and I’m going.

Tracy Z: [00:24:48] And so it makes sense that now sellers are just going to be a little bit more open to carrying back paper. Even though we did fine during the silly season, there were still 25 billion created every year. But we feel that there will be more created, which is more opportunity to help people. There’s one more piece we haven’t talked about yet and that sellers who are selling investment properties and they have a capital gains issue when they sell an investment property and the IRS for many a year has allowed for installment sales, which is seller financing. When you receive payments over time, you only pay your capital gains. Over time. So it’s a way for people to spread out their capital gains and lower it or eliminate it, depending. Talk to your own CPA or accountant. But that’s a that’s another motivation for sellers right now who are tired of being landlords, who want to cash in on some of the appreciation. Want to turn their rental income into interest income and defer their capital gains by using seller financing.

Phillip Hearn: [00:25:46] Yeah, and you guys keep proving it. There’s just so many ways that you can approach and attack different real estate deals that are more creative in nature. Right? We’re very structured to go, okay, like you said, go to a traditional bank, get a loan, here’s what we got to do. But opportunities with paper are out there and in abundance, which is amazing. Here’s another question I have for you, too. Are there specific states that you all look at deals in more than others? Take us through that, because, again, every state is its own its own ecosystem. Right. So how do you guys also work that into underwriting and looking at deal flow?

Tracy Z: [00:26:23] So we look at judicial versus non judicial. That just means how hard is it to foreclose and take back the property if you have to? Non-judicial states usually use a deed of trust and they tend to be a little creditor friendly versus debtor friendly and judicial states. You know, it’s a difference in judicial states. You have to go through a much longer drawn out process to get the property back. If somebody doesn’t pay you, they tend to be the mortgage states. So it’s the difference between, like I said, that’s our last resort. But most investors look at judicial versus non-judicial states differently. But that being said, notes can be bought in any state. You just have to understand, I mean, you know, on the far side, you’ve got a New York or New Jersey. It could take three years to foreclose if you had to. And on the other side, you’ve got a Texas, you know, that could just take, you know, six months or less. So, you know, that is a consideration. But people love the notes in all states. And so, you know, if it’s a good deal, it’s a good deal regardless of what state it’s in.

Phillip Hearn: [00:27:21] Yeah. No, I love it. And that’s a huge piece of understanding. The the judicial versus non judicial. That’s always hard for me to say, but that’s a huge component to at least having that understanding as you’re looking at those deals and go from there. So you guys have had this amazing career. You’ve also decided to share this knowledge in a very cool scenario. Tell the listeners a bit about note investing tools. How did you come about saying, okay, we know how to do this? We kind of want to share this with the masses. Take us through that.

Fred Rewey: [00:27:51] Yeah. Mean. I didn’t want to do it. No, I’m kidding. I’m kidding. No, no, I’m kidding. Tracy wanted to figure out a way. She was talking about a way to give back. So we always had on note investor early on lots and lots of articles. And so we were often approached of people in the industry. Well, do you, do you know, do you have a big live training? Do you have anything you can do on that? You know, do you mentor individual people? And so we just decided to try to figure out, okay, we put out a course, just kind of a soup to nuts on on, on note investing. And then we did. Then you did the book, the manual, if you will. And so then we decided to. Okay, well, what if we we kept having all these questions and all this content we were going to create. So we thought to people.

Tracy Z: [00:28:41] Yeah, so much so.

Fred Rewey: [00:28:44] And again, measure that with lifestyle, measure that with I don’t want to hire 20 employees and have this big training. So we decided to create a very small, intimate membership. That was a very we opened up the doors twice a year. It wasn’t going to be something that cost you, you know, $100,000 to, you know, fly in on an island somewhere or whatever, whatever people, you know. So we we created this membership. And so the first year we were we were like, okay, well, we’ll do two webinars every month and they’ll have a lot of content. We’ll build a PowerPoint, we’ll have documents, we’ll have whatever we need for that. And then we thought, Well, I don’t know what we’re going to do after the first year because we’ve kind of done all these videos and now I think we’re in the fourth year of it. We have 150 of, I think 150 of just webinars plus then we started doing, you know, based on questions and what people wanted, we would have deep dives and masterclass and, you know, calculating notes or creating notes because some people want to create their own notes as opposed to going out and finding them. So we created this membership and that’s what it’s become. So it’s basically it’s 97 bucks a month. There’s no length of time anybody has to stay. The doors open up twice a year. They open up for usually about 4 or 5 days, whatever people can get in during that time, unless we have to cap it off, we do it. We we do cap it just because we don’t outsource the help desk. So if the members, you know, if they get on online and they send us an email, it’s one of the two of us answering, It’s not outsourced to anybody. It’s not you know, you know, if you schedule a call with one of us and it just worked out really, really well. It’s a great group of people that now they’re doing deals with each other. And then we have we added the mastermind. You want to talk about that?

Tracy Z: [00:30:24] Yeah, I think for us it’s just turned into this really cool community and I didn’t know that’s where it was going to go. And it’s it’s fun. People get to we get to geek out and talk about the calculator and deals and problem solve. And we’ve met people like yourself from all over the United States and it’s it’s been you know, somebody showed us different people mentored us and showed us and it seemed time to do that for others. And in the process, our daughters also come along and joined in. And she’s part of the group now. And it’s just it’s been a really cool thing that if somebody told me this is where it would end up, I wouldn’t have known that. But it was supposed to be yeah, it was supposed to happen.

Fred Rewey: [00:31:04] It’s it’s crazy empowering when you when you get somebody that calls you and this oh my gosh, I just did this. And you realize it’s a result of your efforts of sharing information. And I’m sure you get it with like with the show and people you talk to and stuff like that. And it’s just like when you get that, you’re like, You know what? If it’s cool? If I could only help if I could literally change a thousand people’s lives, that somehow something changes in their lives, which automatically changes in their family, which automatically changes in their kids and generations. If you just affect that on on, on a certain number of people. And then if you can do it even more, even better, you know, even better.

Tracy Z: [00:31:37] But we’re in our 50s now and your motivation really does change. It really does. We’re in our 50s. Yes. Yes, you are. So this was.

Fred Rewey: [00:31:45] Radio. Nobody had a.

Phillip Hearn: [00:31:46] Way. Yeah. Nobody would have known. Nobody was going to know. Right.

Fred Rewey: [00:31:50] Air quotes 50s. Yeah.

Phillip Hearn: [00:31:52] Yeah. Mean I knew Fred had a birthday I didn’t even ask what birthday notice that So thank you. Yeah. See, I just let him go. Just. He just had a birthday, I will honestly say. And so I’m a little biased. I know. I ask you guys to be on the show. It is the best $97 a month that I spend. And I’m not even kidding because the amount of depth, the amount of, you know, solid membership, but just the information and you guys give the information in such a way where you go, Oh, that makes complete sense. There’s a lot of times you’ll spend and you know, we’ve all had those discussions about, you know, spending the money to be on some private island, and it’s like, you know, some wastewater treatment in the middle of America, but neither here nor there, right? Uh, where that happens. And, you know, you always are still asking the question like there have been plenty of times where I have personally reached out and go, I think I understand this. I got 85% of that. I need this last 15%. Tell me if I’m on the right track or where. Need to go. So am biased. But it is the best 97 bucks a month that I spend it bar none. Most information, most stuff. You guys are the catalyst for that. So thank you for what you guys have done with this.

Tracy Z: [00:33:02] Oh, thank you. Yeah. Mean like when you brought that deal that you had put together where you did a rap note on equipment instead of real estate. I was just like, wow, the creativity that people use. And so that’s what gives us that jolt. That’s cool. People are applying this in ways we hadn’t even thought of. So it is very rewarding. And and yeah, and you’re doing the same thing. You’re out sharing this information with others because the more we can take control of our own lives, take the money out of Wall Street, put it into Main Street, the more we all benefit because we both come from humble beginnings. We didn’t have somebody who showed us this. We had to learn the ropes the hard way. And so I think. One power that there’s still that opportunity in the United States. It’s easy to get frustrated by what goes on and wonder how we can make a difference or a change. And so I just challenge people, you know, you start with small things in your own life and you can help others in their path and their journey. It might be different than yours, but there might be some tidbits that you can share along the way. And so we’re having a lot of fun doing it. And that’s what this is all about for us now. I think, Philip.

Fred Rewey: [00:34:11] You made a really good point earlier. That was about notes, but you talked about deals being all around you When I learned this process, which ended up being notes. But we’ve done lots of other things where we’ve, you know, bought lottery winnings and, you know, all sorts of stuff, you know, over the years. But I equate it to it’s like, you know, people that feel like there’s no opportunity around them. We’ve I’ve seen people from all walks of life, all different educational levels early on. I’m human and someone say they’re going to do notes and I’m looking at and sizing them up thinking, Oh, they’re going to be great, or no, there’s no way in heck this person has a chance of doing it. And I’ve been wrong almost all the time, you know, So it’s just but I always equated it to once you learn the process or learn what should have been taught in school, the financial calculator and cash flows and money and decide which side of the cash register you want to be on. It’s like having a magic pair of sunglasses that when you walk around town now you can see all the opportunities that have been in front of you all along. You just didn’t have the mindset to see what they look like or identify them. And, you know, so, you know, people listening to, you know, shows like this and stuff like that, it just it expands that, that, that asset.

Phillip Hearn: [00:35:19] And I love it, too, because even as you both teach the concept of notes and how to use them, it doesn’t deter from how people can still attack real estate and almost and I’m going to say traditional I’m using air quotes now too. So I got to tell the listeners air quotes of traditional type work, like case in point, if you’re going to rent out a unit, right, to get it started now, you still have a chance to create a note for an investor who, you know, kind of that 50 over 50 rule. Remember, that was one of my favorite ones when I when I heard kind of how you guys described that create a loaded rental, sell that, you know, create a note for that investor. Now, they already know that they’re going to be paying for it because that renters paying their mortgage. Right. So all of those little steps where you guys are not only teaching this information, but you’re also not looking at people going, well, you shouldn’t do it that way because you hear a lot of gurus almost make it sound like you shouldn’t go down this route. This is the only route to go. And the way you guys deliver the information is so much fun because it allows folks to do it their way but still have a baseline of how they need to get that education. So I, like I said, best, 97 bucks a month. I spend it. Try not to spend it on frivolous stuff, but that that’s definitely a good one. So thank.

Speaker5: [00:36:31] You.

Phillip Hearn: [00:36:31] My last question for you too. So you’ve talked a little bit about this, but I want to tap into it for the listeners. How do you relax and recharge? Because you guys are always going you’re putting together this great content, you’re doing deal flow, but it sounds like you’re able to get into a little more travel and have a little bit more fun. Tell us about how you guys refuel and recharge.

Tracy Z: [00:36:53] Well, if you’re doing this, tell us. Tracy Well, yeah. Me because I’m like working. So sometimes work a little much. But if you like what you do, it really is fun. But I have found balance and one of the ways I find balance is I do take time. I like to be on the water. So I paddleboard, I do yoga. I’ve learned to meditate, which is really hard. And because you gotta sit still. So I tend to meditate while I’m on the paddleboard while I’m moving. Um, Fred likes to hit around a tiny ball with a long stick and see if he can get it into the hole.

Phillip Hearn: [00:37:31] That’s me, too, so don’t feel bad. Fred. Yeah, Some days it’s golfing, some days it’s digging to the center of the earth, right? Yeah.

Tracy Z: [00:37:38] We do. We both like to travel. We have a hard time since we’re a couple in business to find the quiet times when we don’t talk about work. That’s something we’ve had to work on over the years. What else do you like to add to that?

Fred Rewey: [00:37:53] I mean, I think travel is a big one. Look, I mean, it’s it’s, um, we’ve had we both love what we do. So even if we go to a vacation that is supposed to do nothing, usually by about the third day, we’re like, Hey, you want to brainstorm some stuff for next quarter? And so try that. So I wouldn’t say we’re really workaholics that way, but we do, you know, it’s this blend. I mean, you know, and I don’t remember who said it was one of the guys from Shark Tank that basically said, you know, when you have your own business, you’re willing to work 80 hours a week for yourself so you don’t work 40 hours a week for somebody else. And so but but I’ve also heard, you know, if you like what you do, then it’s not really work. And we do enjoy what we do. And there’s this balance. I mean, if I want to go golfing on a Wednesday in the middle of the day, if I don’t have any member calls or anything, I can I can go golfing. You know, if we want to take off and go somewhere. We were just in Mexico last week for the whole week and, you know, we logged on from there and did what we needed to do. And we actually for for us, for the first time, we actually had Marco, one of our members, run the mastermind, which is kind of a free for all session. So yeah, I mean, I don’t know. I mean, you know, travel is probably the big one.

Tracy Z: [00:39:02] I think what I’ve learned over the years is to make some time and space for yourself every day and don’t put your health and your mental well-being last, because when you’re owning your own business, you often do that. So I’ve changed. I’ve flip flopped it. Now I take time in the morning so nobody can take that away from me to to do the things for my physicality and my mental well-being. And so that I start off that way with the day. And I think when I start feeling worn out or frustrated or I’m not enjoying it or I don’t want to pick up the phone to talk to somebody, then that’s me telling myself, Hey, need to take a little bit more time for yourself. And so I think we just as we age, we can get a little more in tune with what our own signals are and to make sure you have that balance, because we love what we do. We hope we’re in our 80 seconds and somebody still wants to hear what we have to say. So we’re in it for the long haul and the longevity. So that means you got to maintain your health and your mental well-being along the way every day. You can’t wait and get that back later by abusing yourself now.

Fred Rewey: [00:40:02] No, like an example like we have tonight is a member call tonight’s a member call at 7:00. And, you know, so we started working this morning. We will actually probably stop about 4:00 in the afternoon and take a break, as opposed to some people will just keep working all day through all their 7:00. We will literally stop at 4:00. We’ll go sit out on the deck. We’ll look at the lake and stare out there for a while. We try not to have wine before a call, so we probably won’t have any wine before the call.

Phillip Hearn: [00:40:23] But I think it would make the call a lot more fun. I mean, I’m not drinking if you do, you know? But we have.

Fred Rewey: [00:40:29] We have an interview. We have to interview somebody tonight. So, you know, probably not the best, you know?

Phillip Hearn: [00:40:34] Yeah, that’s fair. Well, look at you being responsible. That’s a good thing, right?

Fred Rewey: [00:40:38] That’s right.

Phillip Hearn: [00:40:39] But I love that answer because I always. So that’s a question that we like to ask all of our guests. But it’s also interesting the most. The people that are in leadership positions like you two are with knowledge base and working with your members. That piece of balance is so important. And I think as business owners, as business leaders, we forget that little. So right. Sometimes it is smart to just go take a walk for 30 minutes and go, I got to stop, Right? As opposed to just trying to keep pushing something through that’s not working. So I love that answer because travel is a beautiful thing. Getting away again, the small ball, the long stick into the hole. Some days that’s great. Some days you’re like, Why did I torture myself to.

Fred Rewey: [00:41:21] One, go home. Happy shot.

Phillip Hearn: [00:41:23] That’s it. That’s it. Because other than that, it’s going to ruin the long walk that I’m having. Right. You know, so.

Fred Rewey: [00:41:27] That’s right.

Phillip Hearn: [00:41:29] I love it. So last question for you guys, and I really appreciate and I’m so excited that you guys were able to join me today. How do our listeners find you? Where do they go? What does it look like? How do they get in touch with you both?

Tracy Z: [00:41:41] Well, you can visit our website note investor.com. So not investor t o r.com. And I’m Tracy at node investor.com and Fred’s Fred at node investor.com. And that’s really the best place to find us we’ve got over 300 articles there and there we have information about our upcoming we have an annual free event online where we have speakers come and talk about how they generate cash flow. They’re not allowed to sell. We have an expo in the fall that centers around women investors. So all of those are the ways we give back. We put out our E-Letter. You can sign up for that for free. And then as Fred mentioned and you mentioned, we have our membership that we do as well and we go to different events. So if you just go to node investor.com, you’ll sign up for the free newsletter and you’ll get all that information as it comes out during the year.

Phillip Hearn: [00:42:34] Perfect. Awesome. Well, thank you guys. Again, like I said, I was I look forward to all my guests, but this one’s a little different, a little more special. So I really appreciate you guys’s time and sharing all the knowledge that you guys have given. So this has been amazing. We really.

Fred Rewey: [00:42:48] Appreciate it. We appreciate you having us.

Tracy Z: [00:42:51] Yeah, Thanks for having us and thanks for what you’re doing to keep sharing the information.

Phillip Hearn: [00:42:55] I appreciate that. So, listeners, this has been another episode of DAX discussions. I want to say thank you again to Tracy Z and Fred Rui. Again, just amazing. People go check out their website. The link will be in the in our website for the recording. And this has been Dr. Philip Hearn with Saint Louis Business RadioX. Take care and we’ll see you next time.

 

About Your Host

Phillip-HearnDr. Phillip Hearn Ed.D. is a results-driven entrepreneur, Senior Executive, Consultant, and Board Member with more than 20 years of success in business acquisition and real estate. His expertise in leveraging extensive experience with expansion, and financing, makes Phillip a valuable asset for companies, particularly in real estate, seeking guidance on growth opportunities and process improvement.

Phillip is the founder of Mid American Capital Holdings, LLC, an acquisition focused company. Current subsidiaries include Phillip Speaks, specializing in coaching, advising and public speaking engagements; Financial Center, consulting business owners on methods to implement business trade lines and credit to grow their operations, and other subsidiaries which continues to expand. Phillip also gives back via his non for profit Center for Communities and Economic Development.

Phillip has obtained an Ed.D. from Capella University and holds an Executive Masters in Health Administration (EMHA) from Saint Louis University; an MA in Marketing and a BA in Media Communication, both from Webster University, and Lean Six Sigma (Black Belt) from Villanova University. He has served as a Board Member for the National Sales Network St. Louis Chapter and Ready Readers, for which he has also served as the Governance Department Chair and President of the Board.

Phillip is a coach, advisor, key note speaker and podcast host on Business RadioX. Audiences benefit professionally and personally through his teachings of leveraging and application. His new book “Life Mottos for Success” exemplifies how positive words and thoughts can transform your life!

Connect with Phillip on LinkedIn, Instagram and Twitter.

Tagged With: Note Investor

BRX Pro Tip: 3 Habits Successful People Do Each Day

April 18, 2023 by angishields

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BRX Pro Tips
BRX Pro Tip: 3 Habits Successful People Do Each Day
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BRX Pro Tip: 3 Habits Successful People Do Each Day

Stone Payton: [00:00:00] And we are back with Business RadioX Pro Tips. Stone Payton and Lee Kantor here with you. Lee, we’ve talked a lot about habits, and it seems like consistency is the key. What are successful people doing?

Lee Kantor: [00:00:16] Yeah. You know I read a lot, probably too much for some people’s liking. But in all the stuff I’ve read, I’ve noticed some patterns that are showing up time and time again. And it’s just that successful people do some things, and you can pull lots and lots of them, and invariably there’s some commonality amongst them.

Lee Kantor: [00:00:40] And three of the things that I’ve noticed after reading too many books about habits, productivity, and leadership is that the successful people are doing these three things. One, they’re waking up early. They start the day while others sleep. They have uninterrupted time and they get more done before anybody else’s agenda impacts their day. So, that’s important, to create some alone time, whether it’s first thing in the morning, which works for a lot of people. But at some point, you have to have some alone time where you get stuff done where nobody else is impacting you.

Lee Kantor: [00:01:15] Number two, successful people write every day. Some people call it journaling, some people blog, but they’re writing down their thoughts each day. And writing down your thoughts each day helps you kind of focus on the most important things. The things that you’ll notice when you go back and read some of that stuff, those are the the thoughts that you’re having. And you should note that and say, “Okay. Why am I thinking a lot about this? This must be important.” And then, you can focus your attention on that. So, that’s a second thing that successful people do.

Lee Kantor: [00:01:47] And lastly, successful people are always doing something physical. They’re walking, biking, hiking. They’re doing some sort of exercise or physical activity everyday. And that’s important to recharge and to lower stress and to keep their sanity. So, if you want to be more successful or you’re frustrated with where you’re at, you might want to try one or all of these things during your day.

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