Welcome Home with Monique

Kevin Krall 0:00
The content of this program is paid for by Monique Buchanan LLC. The content of this program does not reflect the views or opinions of 91.5 Jazz and more, or the University of Nevada Las Vegas. You see me

Unknown Speaker 0:25
good morning. This is Monique Buchanan, the host of the welcome home with Monique show. And on this show, I talk all things real estate. Listen, I want to thank you for tuning in. Well, Happy Happy Saturday, everybody. This is Monique Buchanan from the welcome home with Monique show your local Las Vegas Real tour. Well, let me stop saying your local Las Vegas Real tour because as you guys know, my reach is very far I actually have partners in 18 countries. So I appreciate all the referrals I've been getting. For other states here in the in the you know, in the United States, as well as in other countries, I can assist your family and friends all over. Maybe I need to change my spiel. Anyways, I pray that you guys are having a great, great weekend. So far. I have been loving the 75 degree weather. And I've got a treat for you guys. Listen, I get a lot of phone calls. From all of my listeners. A lot of us right now our credit challenged, it is just it is what it is. But you know, we want to know the route to take when it comes to building our credit back up. And let me tell you, credit is a tricky thing. Yes, I do know quite a bit about credit. But that's not really my lane. My lane is real estate. But I do dip and dab in credit because obviously I need to help you get there and get there quickly so that I can get you a home to purchase. So what I've done is I have partnered up with one of the hottest, best credit companies in the States. It's called nove money. You've probably already heard of them. They've been on Shark Tank. I actually have hot Zeke on with us today. How's it what is your last name? You want to say hi.

Unknown Speaker 2:04
Lee like the greatest divots?

Unknown Speaker 2:07
Oh, how could I forget that? That's right, Ali. So we've got Mr. Halsey Ali on the line. He's amazing. He's going to go over everything that nove money offers, because a lot of you guys have been, you know, reaching out to me in regards to credit. And this is the source that I stand behind. So I will be sure to give you a link. If what you hear is something that you want to go ahead and jump on in and start getting that credit done for the beginning of the year, so that I can get you a house down, you know, sometime this year before these rates rise. This will be our first step in my right housing.

Unknown Speaker 2:41
Oh my goodness, these rates are about to go up. This is the time everybody. This is the time.

Unknown Speaker 2:47
Absolutely. So I'm gonna let how's it just kind of jump? Jump right in Halsey, tell them about this amazing company that you you got going here?

Unknown Speaker 2:56
Oh, yeah, well, first of all, I'm so proud of you, Monique. And I just think it's incredible what you're doing for the community and communities all over the country. Because goodness knows that the rich are getting richer, the poor are getting poorer. And I'm gonna tell you, neither one of them have much to worry about. If you're rich, then you've taken care of yourself. If you're poor than the type of country we live in, you're gonna be taken care of but the middle class, that's a scary place to be right now. And COVID is making it so that we have sped up with this phenomenon where the middle class is really shrinking. I mean, they're they're precipitous, right. Have you noticed that?

Unknown Speaker 3:36
It's not funny, but it's just like, my god, you're right on target with that. That's what you just said is so true. Yeah. So go ahead. I'm sorry. I was just blown away

Unknown Speaker 3:48
by that. No, no talk to me.

Unknown Speaker 3:52
So I got it, I got

Unknown Speaker 3:55
this is like you look around and you and you get some of these statistics like money. msn.com was just talking about how two and a half million people were reaching out for debt counseling so they could avoid bankruptcy last year, or credit.com just released this statistic Monix. Talking about how 43 million people have a credit score in the 500 that lowered you know, that's one out of every four. Wow. One out of every four. You know, they just came out with a statistic talking about how the divorce rate has gone down. It's because people can't afford

Unknown Speaker 4:30
to be Oh, no, it's cheaper to keep her.

Unknown Speaker 4:33
It's cheaper to keep her or keep him 25% Of America no savings at all. Half of America. No retirement at all. I mean, we are living in some really strict. It's like that Charles Dickens story was like it's the best system and it's the worst. That the same damn time you know? Yeah, that's true. You better pre I saw a statistic that was mind blowing the other day from CNBC, where they mentioned in it 61% of men, I hope people are taking notes. This is something to talk about around a dinner table. Because America and nest assizes us to our pain. America makes it so that you feel more comfortable picking up the remote control than handing somebody interoperable compensation can change your life. Am I right? Yeah, you're

Unknown Speaker 5:21
absolutely right. I

Unknown Speaker 5:22
want people to write this stuff down. 61% of America does not have the cash to pay for $1,000 Emergency without having to borrow some money. I mean, six out of 10 We're traveling around on fall tires, risking our life when it rains. When there's a little bit of snow, we got our children in a basket. And we don't see any what is rough out here. If you're not a good steward of your finances, this is another thing for everybody right now. This is the reason that no they exist. The opposite of wealth is not poverty. The opposite of wealth, is mismanagement. That's good. I'm gonna run through some things that changed my life. When I tell you that statement right there, clicked a light bulb on in my head that is responsible for my rise more than any other piece of knowledge, any other anecdote, I can share any other word of wisdom, any other proverb, the fact that the opposite of wealth is money management, it means that God doesn't love the CEO more than God loves the janitor and the CE O

Unknown Speaker 6:31
's mandate better information. Yeah, that's good being the better

Unknown Speaker 6:35
students and better information. So for these next few minutes, what I'm hoping to do is give some information that people can utilize to change their lives. What do you think about them,

Unknown Speaker 6:47
I think that's amazing. And that's why I'm partnering with the company that you run, because we are like minded in the fact that we want to help the community no matter what. So please, please share the knowledge.

Unknown Speaker 7:00
Even before I begin, I want people to know, listen, you do not have to be an expert, you do not have to be a Monique, you can and to work with us, you do not have to be somebody who's out here wearing a monocle and a top hat, like the guy from the Monopoly game, right? You just have my Harsco or service, right? I love it, I love helping people, then you can work with us. I'm sure that you notice, Monique that a lot of people are sick and tired of their jobs. You know, they call it a nine to five. But let's be honest, it's more like a seven, a seven. Because you're up at seven, you're into traffic, you don't get back home until seven, you're spending 12 hours of your day earning a pit. And what happens is, in a lot of cases, at least in the cases of those people that fall into the statistics I just now mentioned, of which I was one of them, because I was just homeless a few years ago, let me say that, well, I was sleeping in my car and one of these people that those statistics really resonate with. And that's why I wrote them down. And that's why I recited them for everybody. Because I was one of those statistics. And if I can be reporting to you live as a multimillionaire, I know you can do it too. I know that if you just decide to serve, too, before you know it, you deserve the way this works.

Unknown Speaker 8:28
Yeah, and that's why I don't ever worry about the money, you owe the money, money. Listen, the money will come if I'm just doing what God has asked me to do. And I'm trying to help and be a blessing to others, the money will follow. So let's let's do this. Hi, Zeek. Let's talk about exactly what is offered. I know that you do offer the personal credit, but there's a multitude of services you guys do offer there at nove money. And I have the direct link. So if you're interested in what we're speaking on, go ahead and just you're able to just text me at 70298437007029843700 I will give you the direct link in text right to you. So you can get started with any of the following information you're about to hear from none other than Mr. Halsey, Ollie. So yeah, personal credit if they've got if they're one of the people that are in the low five hundreds. They're listening to you and they're like, Okay, help me help me. How do I What do I do? What do you guys offer for the personal credit? I know it stands out from the other companies. Oh,

Unknown Speaker 9:30
yeah, it stands out in a major way because of what you just kind of refer to as our you know, I always call it our suite of services. We have a financial freedom, success ladder. I don't know if everybody remembers when iPhone came out. And it's like, no matter what your problem was, is like we have an app but we have the way our company works is that no matter what financial stage you find yourself in, listen, we have an app for that. We have something that will meet you if actly where you are and help you get to the next level. This is why we just now made the Inc 5000 list of fastest growing companies in America. And helping you go from barely having a pot to the top being where you are living hand to mouth paycheck to paycheck, the understanding, there's a better way to live. We got celebrated all over the country. This was one of my favorites right here. I don't know if we got any shark tank fans out there. Check this out. What's up, it's charter Daymond John, and I want to congratulate my fellow sharks. Rico has Zeke Mae and all the affiliates nationwide. And I want to tell you congratulations for nove and for making the Inc 5000 as one of the fastest growing companies in America out of more than 7 million in fact, number 2037. Now that is a hard number to beat. Yeah.

Unknown Speaker 11:01
That's just crazy. And that's, that's why I stand behind. And I've partnered up with nove money, because you guys are the real deal. Okay, nobody gets shots out from Shark Tank, unless you the real deal. And like you said, you know, being on the, you know, Inc 500 is just you know, so So that's the thing, guys, they already know that I'm going to vet the company before I start suggesting the company and I've done my vetting. So if they're interested, I once again, you can text me at 702984 3700. That's if you need personal credit help. If you're interested in becoming a partner under me, and helping others get their credit where it needs to be, you can also text that number, and I'll send you the same link. Now personal credit, you guys are different in the fact that there was a company we won't say the name. They used to sign you up and then make you send out the letters. And yeah, so you guys are a little different. And because you guys actually have someone to basically hold their hand though the whole way. Right? That's

Unknown Speaker 12:02
exactly right. Not only do we provide online budgeting tool, debt elimination software, where some of us are drowning in debt, we have a program because everything we do is fin tech based. So we have a program, a piece of financial technology that allows you to insert your bills. And then when you have a little bit of extra money leftover, and you will have extra money left over at the point you partner with Miss Buchanan, right. But today, we need to help you pick the snowball approach. It'll help you pick the avalanche approach. And I know all of this sounds like you know, really, but you're going to understand it, we're going to expand your financial literacy. But see our special touches not just all the technology we use and the fact that you know, you get three reports every month with all three scores on them. There's a million dollars of fraud insurance just waiting on you, et cetera, et cetera, et cetera. Our special sauce is the customer service, is the fact that you get a personal account manager to walk you through the jungle. You know, when you sign up with Miss Buchanan, it can predict what your score is going to look like, before you apply for that credit card, or what your score will look like. After you pay off this particular bill. It can already tell you what everything's gonna look like so that we can get you to home ownership level in the fastest way legally possible. This is not one of those companies where you pay them and then you still got to go buy your own envelopes and stamps. No, they it's answering phone for you. Nobody is going to conflict, because nobody is negotiating with the bill collectors. Like I know he owes 500. But listen, will you accept 300? Right. Okay, well, will you give us a letter of paid as agreed? Let John off? You know, no.

Unknown Speaker 13:50
That's amazing. I'm so glad you said that. Because I you know, a couple years ago, I was referring folks to that company that had them mail off their own letters, you know, and here's the thing, they could never get a hold of anybody on the customer service line. They could never talk to anybody. And they didn't know what was going on. So I had to step away from that company. Because I was doing all the work and I was overloaded, I was writing the letters for them. I was helping them along the way. And I just didn't and then I became the credit person instead of the realtor. So I had to step away from that company altogether. But I love that you guys have where, you know, they can call somebody and say, hey, where am I add? What's going on? What's the next step? They have the website that they can jump on and see where they're at? I love because I'm always telling my clients. If you're not ready yet, Credit Wise, yet my lender will give you a roadmap on what to do, but this is way better than roadmap. You know what I mean? This is the Hangout

Unknown Speaker 14:49
on purpose money, you know, there's a whole world of credit, right? Because they think they're doing a good business move. They aren't thinking long term. Now that puts tickler company does it by making them mail their own letters. But other companies just move really slowly. I don't want to name any names. I don't want to get anybody in trouble. But there are really famous companies one has the word law firm in it. And I'm gonna tell you something, they go slow as molasses. They feel like the quicker they get you into a good credit range, the quicker they're going to lose you as a customer.

Unknown Speaker 15:22
That's right. And I get that call all the time. I get clients that say, Yeah, I've been working with such as such law or whatever. And how do I say, ma'am? How long have you been working with them? Oh, I've been with him for about two years. I'm like, Well, how much is your credit score went up? Oh, it's went up about 10 points. I'm like, ma'am, you need to stop paying them. When listen real. ASAP. ASAP, ASAP. You know what I mean? They're just dragging you along for that little check. And here's the thing realtors and lenders and homebuyers, we do not have time or the money for you to be wasting my clients time and money. They need their money and their time. So that's why Yeah, that's why I'm excited about nove money. I'm excited about the opportunities that it can provide for my listeners, my clients to become homeowners and get past that hurdle that everybody wants to avoid, which is credit. Everybody, you got to face that elephant in the room face the elephant, because credit is our first step you guys and homeownership credit is the first step just period in life it seems like right. So if this interests you and you are interested in any more information, you can always text me at 70298437007029843700 My website is welcome home with monique.com Welcome home with monique.com and the link is nove money.com/vegas mo that's me guys. nove that's N O V AE money.com/vegas. Mo. But once again, so I'm excited to talk to my listeners, a lot of my listeners are business owners Halsey. And, you know, yeah, I'm a business owner. And you know, I was very unfamiliar on how to build business credit. You know, in a lot of my listeners are listening, they might need a business loan, a startup business loan, I heard nove money can help with that.

Unknown Speaker 17:15
Oh, absolutely. I mean, our whole purpose is ownership preparation, because we feel like you are not really participating in the American system. Until you own something. The reason I call this the land of opportunity is because of credit. And the difference between personal credit and business credit is that with personal credit, the more you use, the lower your score goes. But with business credit, the more you use, the more they give you no credit if you use more than 30% You're gonna have bad credit even better, if you listen, if you lose if you use more than 10% and 800 is virtually impossible. So personal credit is not to be used the way many people think they are capitalizing on the ignorant they're capitalizing on those who have no idea how the game works, right, and they get played because they are playing the game. And one of my mentors said it like this. Those who understand interest collected those who don't pay it. Well, here's how you begin to collect interest. You have to own something in this country. And so yes, we help with personal credit, and we do it the best this way legally possible. I've seen amazing things I don't I don't want to say anything that goes against radio rules, but I've seen people go up 200 points in less than 60 days. That's just a fact. You know, but the whole thing about business credit is that our business credit building system not only takes them through all the nuances of getting fundable and lendable you know, a lot of people missed all that PPP money they were given away, because they weren't fundable they weren't lendable, yeah, they had a business. But did they have a Dun and Bradstreet number? Did they have an EIN number? Did they have business list? incongruency you know, they won't deny you because you're using a Gmail email. It's amazing. So what our program does is help them dot all the i's and cross all the t's that helped them walk up the four tiers of business credit from vendor credit, that store credit the fleet credit all the way up to the holy grail ha which is cash credit. Right? And then we guarantee them $50,000 in funding up to 10 million. It even comes with a year of personal credit restoration, because of the fact that many times you need to start off as a personal guarantor of what it is you're doing with your business credit. So we worked all that into the plan. There's another $11,000 worth of bells and whistles that get attached to the program. And it's just a phenomenal system because listen, if you partner with Miss Monique Buchanan if you partner with Vegas most what you get is to get it no money down. That means you don't even make a payment for the first 30 days. So it's just a phenomenal program. Now

Unknown Speaker 19:57
what are we talking about? Are we talking about a business Long when you say the $10,000 and the 50,000, I'm sorry, what were we are we talking about the business loan.

Unknown Speaker 20:05
Now, just now we were talking about building business credit, we're talking about building business credit, but we also offer business funding. So everything from unsecured business funding to term loan, the business cash advances. And here's what's amazing. If you partner with Monique, what happens is, you now become a walking talking lending tree just like her. So you got two different options, you can come to Monique, because you need help with your personal credit. And you're ready to purchase a home, you can come to Monique, because you need help building your business credit, and you're ready to scale up your business. Or you can come to Monique because you need funding, you need a loan of some sort. We do everything from invoice factoring to short term loans. But here's the other cool thing. If you're one of the people that's out there listening and saying to yourself, you know what, I need some kind of business opportunity, I need another option. I need a way where I can start to create some kind of part time income on the side. I'm willing to help people I've been helping people my whole life. I just never had a way where I could monetize that. I never had a way where I could earn an extra paycheck every week. So that listen, when you partner with Monique, you put yourself in position to believe it or not, or an extra five paychecks a month. That's pretty cool.

Unknown Speaker 21:23
It is awesome is really good. I also want to talk about the startup loan of 150,000. And they have a 680 credit score. So if they have a business in mind, but they just don't have the capital to get that business going. Can you touch on that? Right?

Unknown Speaker 21:39
Absolutely. Right. So we have eight different funding categories. They'll see when they go to your website, nove money.com/vegas. Mo Yeah, well, when they go to start up unsecured business funding don't see the funding can be used for any purpose. There's no income verification required. There's no industry restrictions, right. But what they'll need is a 680 credit score. They don't even have to have any minimum time in business. They don't have to have any minimum monthly revenue, and they can apply for up to 150,000.

Unknown Speaker 22:09
Did you say they don't have to have any minimum time in business.

Unknown Speaker 22:12
They don't need any minimum time in business. And they can apply for up to $150,000. Just my admin is phenomenal.

Unknown Speaker 22:22
That is amazing. That blows my mind. No minimum time required as long as they have the 680 credit score they can apply for Wow. That's that's mind blowing. And that's really good. It

Unknown Speaker 22:35
really is. It really is. But then we have startup small business loans. Well, they'll need a minimum monthly revenue from their job of 4000 a month, a 680 credit score. And again, it can apply for up to 150,000. We have business cash advances, no minimum credit score, Monique, they need a business six months, they need 4000 A month coming in from their business. But now they can apply for up to $10 million dollars. So it's just amazing. I'm sorry.

Unknown Speaker 23:03
I've been in business six months. No. No, that's crazy. Okay, so they can have a business for six months and have can you just say that one more time? Because that one blew my socks off? I mean, I know I Oh, yeah. Yeah,

Unknown Speaker 23:19
if you accept credit cards, that you have regular bank deposits, you can get funding advanced to you for up to 200% of the amount of your monthly deposit. So if you have 4000 a month and minimum monthly revenue coming in, you can apply for up to $10 million. Wow, we call that a business cash advance. And we do it all the time. Like it's a lifesaver. Because when you're a business, a lot of people don't know that. Hey, just because I love to cook does not mean I know how to run a restaurant, right? So you get in it because what's the best way to learn make mistakes, make some mistakes, you spend a little bit more money, you make some mistakes, you spend a little bit more money, you make some mistake, you take out a second mortgage on your home, you make some mistake, you start running up the credit card and make some mistake. It's like oh, I don't take it out the formula. But now you're out of money. Right? That's funding comes in because it gets you past what they call in business, the valley of death. The valley of death takes out so many businesses that in the first five years, the majority of business owners are out of this. We are here to extend the life expectancy of the entrepreneur and that

Unknown Speaker 24:26
is like something that I love. I love small business. I love mom and pop shops you know I always try to support small business. So I hope that they're listening so that we can assist them in the valley of death. nove money.com/vegas mo if this interests you. No way that's in ova e money.com/vegas. Mo, if this interests you. I mean it's just mind blowing. There's one last thing I want you to touch on Ozzy you've touched on so much. And guys if this was if you're driving, or maybe you just didn't get a chance to really hear every thing. No worries, my number is 702984 3700 702984 3700. Or you can email me at Welcome Home Show 91.5 at gmail, and it sounds like I'm gonna have to get rid of that Gmail. So real quick, there was one. I mean, there's so much that nobody does. But there was a, was it a line of credit that you can give for current business owners or their their clients? Correct?

Unknown Speaker 25:29
That's exactly right. We have so many really cool tool. For the business owner. We have business term loans. You have business lines of credit, we have invoice factoring. For my real estate investors out there, we do commercial mortgage loans and real estate investment loans up to $100 million. And listen, maybe you're not ready to invest in real estate yet? Well, when you partner with Monique, you also can get real estate investment education. Listen, maybe you're already in a place where you've already created a real estate portfolio. Maybe your portfolio was only one home, but let me tell you what you need. You need a trust. You know, Joe Biden has done some good things. He's done some bad things like every other human on the planet. But let me tell you one thing that was not so good for business owners, let me tell you one thing that was not so good for 1099 workers, and that is the corporate Transparency Act. You need a trust. I know some of you do not understand that your children should be trust fund babies, because you were always told that trust before the rich. But let me tell you something, trust make you rich. They provide you with the privacy, the protection, and the ability to defer taxes indefinitely. If I ask most people what their major bill is, what they end up saying is like, Oh, it's my mortgage, or Oh, it's my rent, or Oh, it's my groceries depend on how many kids you got. My car note depend on what kind of car you drive, but they would all be incorrect. Your biggest expenses, your taxes, you get $1 for good job, they taxed it, then you go buy something with it, they tax it again, it's the same dollar, you buy a piece of property, you pay a property taxes, you sell it, you got to pay capital gains taxes, it's the same dollar I'm talking about, you have the system mastered. And I want you to understand that we have a way out for you. It is called the nove trust program. So when you partner with Monique, you're going to get access to all of this and much more. Every Monday evening, there are financial literacy training classes that are audio for the auditory learners. Visual for the visual learners nice working with the kinesthetic learners, they call every Tuesday there are presentations where you can just put your family and friends on and let them kind of join the tribe every Thursday, there's what to do when you're new. And then every Sunday, we do millionaire mentor ship training calls that just allow you to literally get into a place where you can learn from people who have been there, done that and gotten a t shirt. You can't

Unknown Speaker 28:00
you can't get what you don't see. Right. So that'll show

Unknown Speaker 28:03
up. You got to see it before you can be it. Absolutely,

Unknown Speaker 28:06
absolutely. We you know, I just want to say thank you Halsey, you know, I, I firmly stand behind this company. It's doing amazing things and it's you know, it's gonna help my my folks, my people that are listening, my business owners, my, just my listeners that want to become homeowners. This is the route you guys so you've heard from Mr. Halsey, Cali, and I want to thank you and nove money for doing this for the community. And just thank you so much for coming onto the show. I'll have you on again if you'll come

Unknown Speaker 28:37
up close pleasure, Monique, I had so much fun. Yeah,

Unknown Speaker 28:39
great, great. Well, we appreciate all the knowledge that you dropped. And once again you guys that website is nove money.com/vegas Mo, nove N O V, e money.com/vegas Mo and all these tools will be right there at your fingertip where you can go ahead and get more information. Also, if you're driving and you just hit don't can't write that down. My number is 702984 3700 702984 3700. Thank you again. Hi, Zeke. And like I said, we'll have you on again and we are so appreciative. Thank you.

Unknown Speaker 29:17
It's my pleasure. And remember everybody, either your mind has expanded match those goals, or your goals will just start to shrink to match your mind.

Unknown Speaker 29:26
That's a good one. I love it. All right. Have a safe weekend. Thank you Rosie. Thank you for listening. This is Monique Buchanan. My license number is S 1788 46 and I am part of EXP Realty Tune in next week. Okay guys, I hope you really enjoyed that information. I hope that it blessed you guys share it with your family and loved ones that need credit help. I'm still here to help them in every way possible. And of course, I still sell homes so Listen, on another note. I always tell you guys you like my family and friends you know my K UMB listeners so I'm going to share something personal. My mother passed away yesterday morning. And I just want to give her a shout out. She loves Simpson are wonderful at taught me to love everybody no matter what color no matter what skin color they were. My mother was a beautiful person, the hippie from Seattle. I love you mom. I'll see you again and heaven. And thank you guys are listening until I talk to you soon.

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