October 13, 2020 • 31 mins
My next guest Rhonesha Howerton wears several hats in the entrepreneur lifestyle. She currently serves as the Owner and CEO of Credit Medics, LLC, she is Co-Founder of Go Get Crowned “Queening” nonprofit organization for women empowerment and Co-Owner of ‘Get Well Urgent Care’ medical facility. Coming from a poverty-stricken neighborhood and having escaped the statistics. Howerton has found her purpose and passion which is encouraging others, and helping them to reach their fullest potential and cheering them on to the finish line. Please welcome to Money Making Conversations Rhonesha Howerton.
https://www.moneymakingconversations.com
https://www.youtube.com/MoneyMakingConversations
https://www.facebook.com/MoneyMakingConversations/
https://twitter.com/moneymakingconv
https://www.instagram.com/moneymakingconversations/
Learn more about your ad-choices at https://www.iheartpodcastnetwork.com
https://www.moneymakingconversations.com
https://www.youtube.com/MoneyMakingConversations
https://www.facebook.com/MoneyMakingConversations/
https://twitter.com/moneymakingconv
https://www.instagram.com/moneymakingconversations/
Learn more about your ad-choices at https://www.iheartpodcastnetwork.com
See omnystudio.com/listener for privacy information.
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:01):
Hi, Welcome to Money Making Conversation. I am your host,
Rashan McDonald. I recognized that we all have different definitions
of success. For some exercisable paycheck. Mine is helping people
wake up and inspiring them to accomplish their goals and
live their very best life. That's it. These are my
passions and that's what I'm going to do for you
when you listen to the interviews that I bring on
(00:21):
my show, Money Making Conversations, I want you to stop
tripping over small challenges really and prepared to rise above
the bigger obstacles that life will present to you that
you know nothing about. So if you're always sitting around
worried about the little things, the big scenes would really
really be the things that you have not prepared to
deliver or overcome. And we're all gonna have over moments
of what we have to overcome something that we didn't
(00:43):
prepare for it. So Money Making Conversations about that. My
next guest, Ronicia Howardton, were several hats in the entrepreneur
lifestyle space. She currently serves as owner and CEO of
Critic Medics LLC. She's co founder or Go Get Crown
nonprofit organization for women empowerment and co owner of get
Well Urgent Care Medical Facility. Come from a poverty strick
(01:06):
in neighborhood and have an escaped the statistics. Howardton has
found her purpose and passion which is encouraging others and
helping them to reach their fullest potential and cheering them
on to the finish line. Please walking to Money Making Conversation,
Ransha Howardtons, good morning, good morning, thank you, thank you,
thank you so much. Well. First of all, you know
(01:27):
when I when I hear the word thank you for
coming on the show Money Making Conversation. Uh. I appreciate
all guests who will take the time to deliver nuggets
or inspirational information or define information that you can use
to make themselves successful. Because I have women dominate my
listenership by sixty percent of my audience. Women. Uh. Eighty
percent of my audience is under the age of forty four,
(01:48):
and so that means that they have an entrepreneurial mindset
and they want to They wanted information that will help
them win. Why did you look? I mentioned three organizations
in your credit Let's start out credit Medics and in
the middle of pandemic and financial Uh, the average person
financial situation isn't disarrayed. Does credit medics help them or
(02:12):
can be a role to play they try to get
them through this. Uh, these difficult times well exsolutely before
the pandemic we have, we have really changed thousands and
thousands of our clients lives by just educating them or
financial literacy. You'll be surprised, you know, I come from
you know, an urban community, and you'd be surprised how
(02:36):
many of us are never taught about credit. America is
laying on credit and at these times, you you literally
can use credit to survive. You know, if you got
laid off, if you know they cut back in your hours,
there are lines of credit that you would have access
to if you were able to qualify for these lines
of credit. You could use these lines of credit to
(02:58):
survive until your income picks steck up and debates have
given me personally, on my on my personal line, I
have twenty five dollars um as the next on my
line personally, and I have a few of those. So
if I was to follow on hard times, that could
carry me until I can figure it out, until I
create could create another strainline at income or just to
(03:20):
be able to survive. So credit is super duper important
to be able to leverage, to be able to leverage,
not just even during these times, you know, to be
able to leverage to create generational wealth for you and
your children. So it's very important and credit metics has
assisted thousands and thousands of clients. I'm talking about home ownership,
I'm talking about personal credit. I'm talking about business credit.
(03:43):
I'm talking about establishing new businesses. I'm talking about expansion.
All of that we know. Thank you for the energy
and thank you for the points um about credit and
about your credit score? When need credit? When did that?
When I in your bio? Can you when when I
when I read the statement poverty stricken neighborhood, what is that?
(04:03):
What is that type of environment? And how long did
you live in that? And how did that motivate you
to who you are today that's coming in and being
raised in that type of environment. So honestly, when I
say poverty stricken, I was raising what we were called
the hood. You know a lot of inner city urban
communities are you know, called the hood. We're living in poverty,
(04:23):
very low income, you know, lack of education, a lot
of the things that I have seen I should not
have seen as a child. But I never used that
as a crutch. I never used that as um a
source of discouragement for me. I used that as encouragement
for me. I used that as an example of I
did not want to be like that, and I knew
as a child, um. The fortunate part of my childhood
(04:46):
was I was able to travel a lot and my
my dad who raised me, because I was raising a
single parent. How I'm told and usually you hear, you know,
the mother was the single mind, but it was my dad,
and we didn't have a lot of money. But my
dad saw the importance of connecting us with people who
could offer resources that he could not, So we traveled
(05:08):
a lot, and me being able to travel outside of
that environment, I was able to see that, hey, life
is bigger than this. Life is bigger than living in
poverty and being content with being poor and not being
able to have access the resources and not being able
to live a great life. Growing up. Excuse my friend,
I saw a lot of rich white people on TV.
(05:30):
But when I begin to travel, I saw that white
people weren't the only people that were able to be successful.
Black people could be too, So that for me was
an eye opener, and that for me challenged me to
think bigger. You know, um, first of all, what you're
sending absolutely correct is about getting out and seeing a
(05:50):
bigger world because when you re reports and I I've
been able to do a lot of social work and
a lot of environmental My minor is in sociology, and
uh lot of black people within the inner city. I
grew up in inner city fear forard if it's just
used in Texas, so I know exactly when you say
the hood. I was born and raised in the hood.
Fear forward, and so and so are the average Black
(06:11):
person who lives in the environment don't really get out
of that environment. In fact, they live, they and they
work or if they want to call it work, and
they can die in that community and never know there's
a downtown, never know there are other layers of life
outside their movie theaters. They can go to their restaurants,
they can they can participate in a fine dining and
(06:31):
all these things because of the fact they've never been
exposed to that. And I really, I really like when
you said that because a lot of people they take
that for granted, who have been exposed. They think that's normal,
and it's not normal in the inner city. It's not
normally at all. Right, That exposure is so important, you know,
because you're only going to go as far as you
think you can go or see yourself going. So when
(06:54):
you see other people. That's why a lot of people,
you know, speak down about social media. But one of
the things I like about it is it gives us,
gives us a lot of access to see a lot
of young black people when right believable and it's believable.
So if you look like me and I and I
looked like you, and you're saying, hey, I came from
the hood, and I see you doing really well. You're
(07:15):
running your successful break on business, and you're you're living
a beautiful home and your children, you're raising your children,
you know more with moral world by use and you
know to be good, upstanding citizens. And I see driving
nice cards and you're traveling the world. That will be
inspiring to me, and most importantly, it would make me
realize that I can obtain that too. And that is
(07:35):
so true. I always tell people I love having an
individual like you who talk about credit. And I tell
people now, when I was eighteen years old, Ms. Howardton.
For some reason, I understood I had to have good credit.
I was I wanted to protect my credit. I wanted credit.
When somebody told me the credit establishes you a better
life for you, I knew that. Okay, I'm gonna get
(07:57):
good credit. I got. I got my Mark that closed,
and I had my Mortgomery Rewards card back then, my
Serious card back then. Then I finally upgrade and got
my my American Spressed Green card. I would this, I
would think this. That Serious card back in the day
(08:17):
was bigger than the Americans Spress back in the day.
Because you got your serious car, you were you were
the bar right there. So when I got that Serious card,
I knew my credit was headed in the right direction.
What age were you when you realize the importance of credit,
you you want to hear something funny. So I told you.
I was raised by my dad. My dad was horrible
(08:38):
with bills, horrible. I don't remember coming home. Let's just
cut off. I'm like, dad, wait minute, I flicked the sweat.
Now we ain't got no electric come here. But it
was because he just wasn't um, He wasn't conscious of
just making payments for a time, and it was sometimes
we didn't have it, and you know, he did what
he had to do to make it work. But then
it was times when he did have it and he
(08:59):
just would forget it. So I didn't learn that from
my dad. I remember when I turned eight team and
a lot of we were graduating high school and a
lot of my friends were going to get store cards
because they were so easy to get. So they were
getting like structure and Dad and um expressing all these cards,
and I remember us going shopping and them just you melt,
(09:20):
maxing the card out, and I would be very, very
very conscious, like, oh no, I don't want to get
too much because I don't wanna I don't want to
not be able to afford the payments. So I was
already thinking like that. I don't know where it came from,
but I was already responsible was my finances at eight Team.
So now when my friends those accounts want into collection status,
(09:41):
I continue to build. And I continued to build, and
at the age of twenty one, my dad gifted me
a duplex. So I had a duplex at twenty one
where I lived in one unit, and then I've rented
the other unit out, and then when I moved from there,
both units were rented out and it became a source
of income for me. But I always looked at finances
(10:02):
and money and credit differently, and it wasn't even I
guess that just what self taught. It was so important
to get that at that age, it really was. I'm
talking to Rhodesia Howardton. She's the owner and founder of
Credit Medics, LLC, which is a leading national credit and
business count consulting firm located in Philadelphia, p A. This
(10:22):
is one of two comp three companies I'm gonna talk
to her about. But I wanted to expand on this
because we, like she said, she was doing this before
the pandemic, and it wasn't something that she just started
last week. And she's been changing lives and improving credit
scores and making people understand the value of credit and
why credit is so important to you. But we are
in the middle of the pandemic and people's credit scores
(10:43):
are being damaged, and like you said, your dad he
didn't understand the value what that meant to his credit score,
but it didn't stop him from being successful. It made
me just a little bit more harder. How serious should
you take your credit scores? You should take your credit
score is very serious. Any um credit or any line
of credit that you are trying to apply for to
(11:04):
get an approval, they are going to review your credit scores.
They're going to inquire about you, which is what we
call an inquiry. So anytime you apply for a line
of credit, whatever that whoever that creditor is, they are
going to inquire about you. What you need to understand,
and it's simplest form is your credit scores and your
(11:25):
credit report is your financial portfolio. So that is either
gonna tell a creditor creditor one that you are credit
worthy and trustworthy enough for me to go ahead and
lend you this credit based off of your existing payment history.
So if you already have debt, and what do we
call debt your card now, okay, if you have a cardinal,
you have student loans, debt, if you have a mortgage, um,
(11:47):
if you have personal loans, whatever the case may be.
If you have credit cards, if you are currently late
on your existing debt, and a creditor goes to pull
your credit and they see that, why would they want
to lend you new that they will not. So it's
so important because that's going to determine if you get
approved in that based off of your existing payment history.
(12:08):
And the other thing would be your credit utilization, which
pertains to revolving credit. So you know you mentioned early
Seers series cards, so Scarce card would would be considered
as a revolving credit card. As a retail card go
On Dells may seez wal Mart Target, those are considered
as revolving retail store cards. And then you have your
major credit cards American Expressed master Card, Visa Discover, which
(12:31):
is another form of revolving credit. You don't want to
have large balances on these credit cards. You should only
be using thirty percent at max of your credit list.
When you see that, you're going to see a drastic
decline in your scores. So that's another thing that lenders
(12:52):
look at to determine if they feel like they can
trust you. So just imagine if you have a friend, Okay,
well let's say Russian, I said that correctly, Shine, Ra Shane,
Ra Shane. If you lent me money, right you say, okay,
I come to you say, or Shane, can I borrow
you know, a hundred dollars until next month and I'm
gonna pay you back, And you say, you know what ronis,
(13:13):
You're shure I'm gonna give it to you. So then
I borrow the money from you. Next month comes, you
don't hear from me, right, So then another month go,
you don't hear from me. So now you start to
get word. You say, listen out of gay right needs
your money off a good faith and she's supposed to
She's supposed to give me my money back. So now
our our friends showing who is also you know, a
mutual friend. I go to him and I say, showing Sun,
(13:36):
I borrow a hundred dollars till next month. And Shan
is like, you know what, I remember Rashan telling me
that ra needsh you brow money. Let me go ask him.
And Sean comes to ask you, Hey, ro need shall
to tell you many? You say, man, don't you learn
round needs you no money? I gotta wait three months.
I ain't gotta dime yet. So that's the same way
that a lender looks at your payment habit and your
(13:57):
utilization habit to determine if they're were likely to get
paid back or less likely. You know, I I love
it because that is a straight street talk right there,
that street talk one on one, that street talk one
on one right there. You know, you know, and don't
and don't show up and don't show up, and she
got some new shoes on. Don't show up. Some seafood,
(14:25):
eat some seafood. That man come, yeah, you know you
got some strip on your plate, you know, a polar strip,
and you owe me a hundred dollars. Don't do that
to me because I love that you would. I wouldn't
love that you were natural. That's what you're so successful,
because sometimes you got to talk to people in the
natural form so they can understand what you have to speak.
(14:48):
And that's what I do. I speak the language of
my people, yes, and break it down as simple as
I can. Well, okay now everything no, not right now.
Our people they're struggling and doing this pandemic. And then
you know the credit scores being damaged, and we we
all know when you hear that word thirty percent. And
sometimes I suggest people take a cash advance and you
(15:10):
part of that cancer advance to make your miniment monthly
payments so your cred score don't go messed up. I
tell you put yourself on automatic payment on the minimum
of my mouth. Okay, and that way you you part
of that advantage that you took, said it aside. So
you make those minimum month payments during this pandemic. Run
that with your credit scores like you you agree with you,
(15:31):
you cannot allow your credit score to get damaged. It
get damaged. You just you just defaulted into a worse
situation for yourself. But how can these people survive? And
when I say this, people of color, minorities, you know,
people who are already struggling. And you know, the first
of all, they gave us the twel hunt and all
stimulus check, and then they gave us a six dollar
(15:51):
weekly checked that into July thirty one. And now that
they told us that the CDC can suspend evictions. But
then at the end of the year, you owe that
money for the wrench you didn't pay. How can we
get around you? Imagine getting caught up after you already
behind and you don't have no one come now, how
crazy is that? You know, I agree with what you said.
(16:15):
You know that cash it is. But once again that
goes back to see, here's the thing I tell people
to already be prepared. One of the things that I
have been blessed and fortunate to do is to always
stay prepared financially, because even when things are good, I
still don't go crazy. I have very great discipline with
(16:35):
my finances. So although I would be you know what
you would call I'm successful and I have money, I
still don't spend like I have money. I don't. And
I'm realizing that as I begin to hang around people
who are who have their finances, their finances are stable,
I'm realizing that a lot of them don't make unnecessary purchases.
(16:57):
So you have to be prepared. But now we're in
a situation so a lot of people, and I know
some of my associates, they have taken that twelve and
just blew it. They have taken the unepoyment checked and
I've known, I know people who have gotten ten thousand
dollars and twenty dollars and I'm like, you got that much,
I'm like, what are you gonna do with it? And
it's scoring already, But that could have helped them over it.
(17:19):
Just by making the minimum payment. It will hold you
over so that you won't ask any late payments reporting
that will decline your score. Your scores will drop anywhere
between thirty to seventy points from one late payment. Wow,
and ye can you tell them how those how those
those scores are reported. Uh, not trying to complicate the conversation,
(17:42):
but people need to know that, you know, electronically in
that world then people track you, They track you, and
they track your abe. It always amazes me Rhodesia. When
I put my credit card in and I mean like seconds,
the names seconds later it says approved. That that even today,
that boggles me gud, that the amodel of computer force
(18:05):
is tied to that is incredible that because I know
at the same same time, otteniously, I'm sure hundreds of
thousand people are pushing their card in that same type
of machine or card card reader and time octensionally and
it's hitting the word approved immediately. All rejection, depending on
where you are, is data. All of this is data,
(18:26):
and it's and it's like you said, it's tracking. Their
tracking your payments, they're tracking your utilization, and they're tracking
even down to where you live at. You know, anytime
you put on an application. I don't know if people
are aware of when you pull your credit every address
that you have lived at that you used to apply
for something shows up on your credit report. So it's
definitely attracting system. But the credit bureaus are nothing but
(18:48):
data companies, a billion dollar industry. They get paid to
collect data to report your behalf to then sell to
the bigger banks and financial institutions. That all it is
now one of your favorite I could say nonprofits that
you are tied to are associated with our creators called
go get crowned. Tell us about why you start that not?
(19:10):
I have my points about Actually, actually it's queening now
I changed it to queening. Um and I do. I
do a mentorship program for young girls between and called
Queen is called Queeny right qu e Q right Q
you E E N I n G yes. And I
also wrote a book called Queening on Amazon. So so
(19:33):
Queening is a non practice organization for young black women
okay from the ages of fourteen to twenty one. And
it's basically me giving them all of the life skills
that I have acquired over the years. I'm talking about,
you know, teaching them how to see money as a
tool and not as this this tangible thing to just spend, spend,
(19:54):
spence and spend. Teaching them how to invest I'm also
a real estate investor, and I have several female friends
that are real estate investors. I bring them in to
talk to my girl so that they can see other
young black success for women or minority women who because
we have some Latinos also who look like them and
come from communities where they come from, so they can
(20:15):
see the example. I also bring in my other entrepreneur
friends from different industries, so some of my girls and
the start of the program will ask them, you know
what interests you do? You have an idea of where
you want your life to go or where you seeing yourself,
where you see yourself in the next five to fifteen years.
So whatever that industry is that they choose, I try
to get somebody to come in from the industry to
(20:36):
um talk about their experience, the ups and downs, the
highs and the lows, and then also ask them if
they with my mentoring my girls based off of the
industry that they choose, because I feel that that's super
important to to have a mentor um. A lot of
things could be prevented a lot of trial and error
if you have a mentor who can help you and
(20:57):
assist you that you have access to along your journey.
I feel like that's very important. So we teach homeownership,
we talk about, you know, self esteem. We talk about
African culture and the beauty of being Africans and celebrating
our features and celebrating our culture. We talk about money management,
we talk about it. That's what we talk about, all
(21:18):
different types of life, things that could actually enriching, you know,
their lives. I'm tell you, Nicia, you're one of my
favorite people. You know, we you know, you know, we
we we we we We didn't connect originally on our
original set time. I would maybe she don't want to
talk to maybe maybe maybe you don't want to talk
to Rachelle mcdonalda money maker. No, no, no, you got
(21:40):
it going on, Queenie, come on that. You know I'm
talking about Nisha Howardtons. Okay, we've already talked about, you know,
one of the businesses which is a CEO. She's a
CEO found up Credit Medics now, the nonprofit which is mentoring.
The reason I said you one of my favorite people
because that's why I established Money Making Conversations for Metory.
Because I can't mentor a lot of people. People are
way to approaching me. So I just said, I ment
(22:01):
to you by providing you with free information, because that's
what happens. You can upload upload these interviews on my
YouTube channel for free, upload on my website for free.
All people have to do is just search and you can.
You can hear an incredible person like you telling them
why they have to protect their credit, tell them how
they can protect themselves. And also the other side of
(22:22):
the table, they can find out about you and go
to you and take advantage of your services, take advantage
of what you're trying, how you're trying to change lives
with this mentorship program and let people know the empowerment
of looking in the mirror, recognizing that they face, that
they see the color that they see. Can be successful,
is beautiful, is worth standing strong, don't let the negative
(22:42):
pull you down. And that's what you were saying with
the Queenian program correctly, absolutely, absolutely, And I love the
interaction with these these young women. And then so it's
so it's so crazy because the mentorship that I did
um three years ago. My the girls in that class,
two of them I have hired and they work for me.
(23:05):
And just to see the progress in the confidence and
the self esteem by itself touches my heart. It touches
my heart, and just to have them up under me.
One of my one of my men to Minty's um
came to me. She said, miss Niche, I'm ready to
buy a duplex. I said, whatever I gotta do to
make it happy for you, Let's do it. You know.
(23:26):
She could say, hey, missieche I want to go buy
a channel bad, But this time, miss me, I want
to get you know what I'm saying. So that's touching
to me. Putting that, putting that crown on your head.
You know what you got your black I'll checking you.
You know miss credit man, you know, good at that
girl the queen and I like that queen. But before
(23:48):
we wrap a queen and I want to talk about
to get well urgent care, which is like a medical facility.
Is that it's that part of the franchises or this
is an individual location that you are Actually that was
that was just an investment that came um that came up.
Somebody asked me, did would I'd be interested in investing
in an urgent care clinic? And at the time I
didn't know anything about it. I honestly did not. I
(24:10):
started to do my own research, and of course what
any type of investment is risky. You know, I always
tell people, don't you know, invest money that you're expecting
to get back, it's really a risk. Rather, I mean,
real estate is the risks you know less less, but
in any investment is going to be risky. So I
(24:30):
didn't know anything about it at the time, and I
just felt like, hey, let me just shoot my shot.
And I did it. And it was one of my friends.
Her husband was actually a doctor, and he was even
as a doctor, you're still an employee. And he was
working for um I think it was Pimont Medical Facility facility,
and what he each us he decided that, you know,
(24:52):
he didn't want to be an employee anymore. He said,
you know, I'm overseeing side of these urgent care clinics,
and I'm seeing these invoices. I'm seeing these invoices. Said
I'm like, you're looking at his check. Come, let's lo
it down. He's looking at his check, look at okay
(25:12):
and breaking downmore. He's looking at the white folks running
around here. Okay, okay, making all this good money. Okay,
he said, oh they making this? Wait, wait, they making
this and waiting women and I'm making this. So he started,
you know, started thanking way women. So he decided that
he wanted to do his own urgent here, and he
(25:34):
was looking for investors. And his wife was a friend
of mine, and she, you know, brought the opportunity to me.
She said, you know, would you be willing to invest? Um,
I did my research, and I just went ahead and
just you know, took the risk. And some of his
own faiths too, you know, because you can do all
the research you want, but some of it, you know,
like you said, you have to come. Yeah, you have
to sit down and go toothless tools for now. When
(25:55):
I'm talking about this is uh when you say, let's
let's talk about get well urgent care. First of all,
it's medical, and we all know, okay, people gonna die,
people don't get sick. Okay, that's that's the fact of life. Okay. Now,
And so with that, and so the investment part of
ability possibilities like here, where are they putting it at?
(26:15):
That's all you have to worry about. Who's running it
and where are they gonna put it at? Because I've
seen these urgent cares and they and they always got
cars park out in front of them, okay, and that
means that people need that service. And so so from
a standpoint of your research, you like you said, you're
riding on the statement that I just said, people are
gonna die and people are going to get sick. Okay.
(26:37):
So with that being said, how do you participate? Are
you do you go buy your facility? You're an investor?
Do you check on it? Do you have board meetings
or what? How do you do? I sit on the
board and I'm really just a silent investor, So of
course I get you know, quarterly checks based off of
(26:58):
my specificy of equity in the company right now? Or
do we see more franchises that you'll be associated with
or you said, Rouean, We're gonna see how this plays
out for the next one to Actually I'm probably not
going to do any more business with you right there
(27:23):
right there? See did I tell you I did? See's
one of my top people now because see I'm I'm
you cannot win being fake. You can win right there
right But what I am working on, it's three times
in my million dollar business credit medic cool cool cool.
(27:45):
The process of doing that right now, trying to um
create a software to make it very very very um
manageable and um very easy to navigate through and all
that kind of stuff. So that's the only piece that
listen to me, and then I will franchise my business. Well,
my friend, I want to let you know, uh, I
got a newsletter that goes out to my fans named
(28:08):
some thousand, nay plus thousand fans every two weeks. I
want to put your credit medics in there because, like
I said, you move to the top of the food
chain with me because you keep read keeping Because see
the thing, the reason, the reason I say that is
that we have a lot of relatable values that I
come from the inner city and and I realized that,
you know, when I was exposed to information outside of
(28:30):
the inner city, I am the person I am today.
So I'm always a proponent and also I give back.
I give back in so many different ways. And like said, money,
money and conversations. Just wanted the format. But I work
with HBCU platforms and do information to exposure at such
a high level. And so all I know is that
you have a friend in Rashaan McDonald. I'm so glad
we was able to pull off this interview and porporting.
(28:53):
Your nonprofit organization is beautiful. I'm gonna promote that, and
you look fantastic on social media, all black old with
the crime and put it and how can we reach
out to you? Tell us so you can actually go
to my website if and you will see we have like,
(29:13):
oh my god, so many different services available from first
time home ownership to building business, credit, business consulting. If
you're a business owner already. I feel like in our
community and I just moved into a bigger, phenomenal location.
My office is beautiful and there's enough space for me
to actually have it's like a conference area, a seminar
(29:34):
if we can have seminars. So I'm gonna be offering
monthly free workshops to existing business owners black small business
owners because I feel like that's a piece that's missing.
You can be really skilled at whatever it is that
you do in talented, but if you don't know the
business side of it, your business will suffer. So we're
gonna be offering free classes to small black business owners.
(29:55):
So you can go to Credit Medics and that c
R E d I T M E d I C
S one zero one Credit Medics one on one dot
com for all of our services, um and you can
find me on Instagram at Credit Medics one on one
and you can find me on Instagram. My personal page
(30:16):
is at my zerati niche and that's m A s
E r A t I n E E s eh
and I thank you so much for having me, Thank
you for sharing your platform with me, um piece, and
blessing to everyone listening. I'm loving on y'all. Okay, I'm
loving on YouTube. Thank you for coming on the show.
She's amazing. She's at the top of the food chain
with money main conversation. So we're gonna be hearing from
(30:38):
especially when you are when you when you get that software,
that software done right and be able to franchise and
bring it to Rashad McDonald so I can sell it
to my people first and put the word out about
it because I believe in you, because you're a real
talker and you don't try to sell false hopes. And
that's important in today and pandemic where we're being overtly
affected by the virus, being overtly affected by the financial
(31:00):
crisis that is creating in our household. We need information
to overcome those obstacles. And my friend ms Howardton, she
provides it. Thank you for coming on the show. Thank
you having a right thank you. If you want to
hear more of Money Making Conversation interviews, please go to
money Making Conversation dot com. I'm ras Sean McDonald. I'm
your host.
Hi, Welcome to Money Making Conversation. I am your host,
Rashan McDonald. I recognized that we all have different definitions
of success. For some exercisable paycheck. Mine is helping people
wake up and inspiring them to accomplish their goals and
live their very best life. That's it. These are my
passions and that's what I'm going to do for you
when you listen to the interviews that I bring on
(00:21):
my show, Money Making Conversations, I want you to stop
tripping over small challenges really and prepared to rise above
the bigger obstacles that life will present to you that
you know nothing about. So if you're always sitting around
worried about the little things, the big scenes would really
really be the things that you have not prepared to
deliver or overcome. And we're all gonna have over moments
of what we have to overcome something that we didn't
(00:43):
prepare for it. So Money Making Conversations about that. My
next guest, Ronicia Howardton, were several hats in the entrepreneur
lifestyle space. She currently serves as owner and CEO of
Critic Medics LLC. She's co founder or Go Get Crown
nonprofit organization for women empowerment and co owner of get
Well Urgent Care Medical Facility. Come from a poverty strick
(01:06):
in neighborhood and have an escaped the statistics. Howardton has
found her purpose and passion which is encouraging others and
helping them to reach their fullest potential and cheering them
on to the finish line. Please walking to Money Making Conversation,
Ransha Howardtons, good morning, good morning, thank you, thank you,
thank you so much. Well. First of all, you know
(01:27):
when I when I hear the word thank you for
coming on the show Money Making Conversation. Uh. I appreciate
all guests who will take the time to deliver nuggets
or inspirational information or define information that you can use
to make themselves successful. Because I have women dominate my
listenership by sixty percent of my audience. Women. Uh. Eighty
percent of my audience is under the age of forty four,
(01:48):
and so that means that they have an entrepreneurial mindset
and they want to They wanted information that will help
them win. Why did you look? I mentioned three organizations
in your credit Let's start out credit Medics and in
the middle of pandemic and financial Uh, the average person
financial situation isn't disarrayed. Does credit medics help them or
(02:12):
can be a role to play they try to get
them through this. Uh, these difficult times well exsolutely before
the pandemic we have, we have really changed thousands and
thousands of our clients lives by just educating them or
financial literacy. You'll be surprised, you know, I come from
you know, an urban community, and you'd be surprised how
(02:36):
many of us are never taught about credit. America is
laying on credit and at these times, you you literally
can use credit to survive. You know, if you got
laid off, if you know they cut back in your hours,
there are lines of credit that you would have access
to if you were able to qualify for these lines
of credit. You could use these lines of credit to
(02:58):
survive until your income picks steck up and debates have
given me personally, on my on my personal line, I
have twenty five dollars um as the next on my
line personally, and I have a few of those. So
if I was to follow on hard times, that could
carry me until I can figure it out, until I
create could create another strainline at income or just to
(03:20):
be able to survive. So credit is super duper important
to be able to leverage, to be able to leverage,
not just even during these times, you know, to be
able to leverage to create generational wealth for you and
your children. So it's very important and credit metics has
assisted thousands and thousands of clients. I'm talking about home ownership,
I'm talking about personal credit. I'm talking about business credit.
(03:43):
I'm talking about establishing new businesses. I'm talking about expansion.
All of that we know. Thank you for the energy
and thank you for the points um about credit and
about your credit score? When need credit? When did that?
When I in your bio? Can you when when I
when I read the statement poverty stricken neighborhood, what is that?
(04:03):
What is that type of environment? And how long did
you live in that? And how did that motivate you
to who you are today that's coming in and being
raised in that type of environment. So honestly, when I
say poverty stricken, I was raising what we were called
the hood. You know a lot of inner city urban
communities are you know, called the hood. We're living in poverty,
(04:23):
very low income, you know, lack of education, a lot
of the things that I have seen I should not
have seen as a child. But I never used that
as a crutch. I never used that as um a
source of discouragement for me. I used that as encouragement
for me. I used that as an example of I
did not want to be like that, and I knew
as a child, um. The fortunate part of my childhood
(04:46):
was I was able to travel a lot and my
my dad who raised me, because I was raising a
single parent. How I'm told and usually you hear, you know,
the mother was the single mind, but it was my dad,
and we didn't have a lot of money. But my
dad saw the importance of connecting us with people who
could offer resources that he could not, So we traveled
(05:08):
a lot, and me being able to travel outside of
that environment, I was able to see that, hey, life
is bigger than this. Life is bigger than living in
poverty and being content with being poor and not being
able to have access the resources and not being able
to live a great life. Growing up. Excuse my friend,
I saw a lot of rich white people on TV.
(05:30):
But when I begin to travel, I saw that white
people weren't the only people that were able to be successful.
Black people could be too, So that for me was
an eye opener, and that for me challenged me to
think bigger. You know, um, first of all, what you're
sending absolutely correct is about getting out and seeing a
(05:50):
bigger world because when you re reports and I I've
been able to do a lot of social work and
a lot of environmental My minor is in sociology, and
uh lot of black people within the inner city. I
grew up in inner city fear forard if it's just
used in Texas, so I know exactly when you say
the hood. I was born and raised in the hood.
Fear forward, and so and so are the average Black
(06:11):
person who lives in the environment don't really get out
of that environment. In fact, they live, they and they
work or if they want to call it work, and
they can die in that community and never know there's
a downtown, never know there are other layers of life
outside their movie theaters. They can go to their restaurants,
they can they can participate in a fine dining and
(06:31):
all these things because of the fact they've never been
exposed to that. And I really, I really like when
you said that because a lot of people they take
that for granted, who have been exposed. They think that's normal,
and it's not normal in the inner city. It's not
normally at all. Right, That exposure is so important, you know,
because you're only going to go as far as you
think you can go or see yourself going. So when
(06:54):
you see other people. That's why a lot of people,
you know, speak down about social media. But one of
the things I like about it is it gives us,
gives us a lot of access to see a lot
of young black people when right believable and it's believable.
So if you look like me and I and I
looked like you, and you're saying, hey, I came from
the hood, and I see you doing really well. You're
(07:15):
running your successful break on business, and you're you're living
a beautiful home and your children, you're raising your children,
you know more with moral world by use and you
know to be good, upstanding citizens. And I see driving
nice cards and you're traveling the world. That will be
inspiring to me, and most importantly, it would make me
realize that I can obtain that too. And that is
(07:35):
so true. I always tell people I love having an
individual like you who talk about credit. And I tell
people now, when I was eighteen years old, Ms. Howardton.
For some reason, I understood I had to have good credit.
I was I wanted to protect my credit. I wanted credit.
When somebody told me the credit establishes you a better
life for you, I knew that. Okay, I'm gonna get
(07:57):
good credit. I got. I got my Mark that closed,
and I had my Mortgomery Rewards card back then, my
Serious card back then. Then I finally upgrade and got
my my American Spressed Green card. I would this, I
would think this. That Serious card back in the day
(08:17):
was bigger than the Americans Spress back in the day.
Because you got your serious car, you were you were
the bar right there. So when I got that Serious card,
I knew my credit was headed in the right direction.
What age were you when you realize the importance of credit,
you you want to hear something funny. So I told you.
I was raised by my dad. My dad was horrible
(08:38):
with bills, horrible. I don't remember coming home. Let's just
cut off. I'm like, dad, wait minute, I flicked the sweat.
Now we ain't got no electric come here. But it
was because he just wasn't um, He wasn't conscious of
just making payments for a time, and it was sometimes
we didn't have it, and you know, he did what
he had to do to make it work. But then
it was times when he did have it and he
(08:59):
just would forget it. So I didn't learn that from
my dad. I remember when I turned eight team and
a lot of we were graduating high school and a
lot of my friends were going to get store cards
because they were so easy to get. So they were
getting like structure and Dad and um expressing all these cards,
and I remember us going shopping and them just you melt,
(09:20):
maxing the card out, and I would be very, very
very conscious, like, oh no, I don't want to get
too much because I don't wanna I don't want to
not be able to afford the payments. So I was
already thinking like that. I don't know where it came from,
but I was already responsible was my finances at eight Team.
So now when my friends those accounts want into collection status,
(09:41):
I continue to build. And I continued to build, and
at the age of twenty one, my dad gifted me
a duplex. So I had a duplex at twenty one
where I lived in one unit, and then I've rented
the other unit out, and then when I moved from there,
both units were rented out and it became a source
of income for me. But I always looked at finances
(10:02):
and money and credit differently, and it wasn't even I
guess that just what self taught. It was so important
to get that at that age, it really was. I'm
talking to Rhodesia Howardton. She's the owner and founder of
Credit Medics, LLC, which is a leading national credit and
business count consulting firm located in Philadelphia, p A. This
(10:22):
is one of two comp three companies I'm gonna talk
to her about. But I wanted to expand on this
because we, like she said, she was doing this before
the pandemic, and it wasn't something that she just started
last week. And she's been changing lives and improving credit
scores and making people understand the value of credit and
why credit is so important to you. But we are
in the middle of the pandemic and people's credit scores
(10:43):
are being damaged, and like you said, your dad he
didn't understand the value what that meant to his credit score,
but it didn't stop him from being successful. It made
me just a little bit more harder. How serious should
you take your credit scores? You should take your credit
score is very serious. Any um credit or any line
of credit that you are trying to apply for to
(11:04):
get an approval, they are going to review your credit scores.
They're going to inquire about you, which is what we
call an inquiry. So anytime you apply for a line
of credit, whatever that whoever that creditor is, they are
going to inquire about you. What you need to understand,
and it's simplest form is your credit scores and your
(11:25):
credit report is your financial portfolio. So that is either
gonna tell a creditor creditor one that you are credit
worthy and trustworthy enough for me to go ahead and
lend you this credit based off of your existing payment history.
So if you already have debt, and what do we
call debt your card now, okay, if you have a cardinal,
you have student loans, debt, if you have a mortgage, um,
(11:47):
if you have personal loans, whatever the case may be.
If you have credit cards, if you are currently late
on your existing debt, and a creditor goes to pull
your credit and they see that, why would they want
to lend you new that they will not. So it's
so important because that's going to determine if you get
approved in that based off of your existing payment history.
(12:08):
And the other thing would be your credit utilization, which
pertains to revolving credit. So you know you mentioned early
Seers series cards, so Scarce card would would be considered
as a revolving credit card. As a retail card go
On Dells may seez wal Mart Target, those are considered
as revolving retail store cards. And then you have your
major credit cards American Expressed master Card, Visa Discover, which
(12:31):
is another form of revolving credit. You don't want to
have large balances on these credit cards. You should only
be using thirty percent at max of your credit list.
When you see that, you're going to see a drastic
decline in your scores. So that's another thing that lenders
(12:52):
look at to determine if they feel like they can
trust you. So just imagine if you have a friend, Okay,
well let's say Russian, I said that correctly, Shine, Ra Shane,
Ra Shane. If you lent me money, right you say, okay,
I come to you say, or Shane, can I borrow
you know, a hundred dollars until next month and I'm
gonna pay you back, And you say, you know what ronis,
(13:13):
You're shure I'm gonna give it to you. So then
I borrow the money from you. Next month comes, you
don't hear from me, right, So then another month go,
you don't hear from me. So now you start to
get word. You say, listen out of gay right needs
your money off a good faith and she's supposed to
She's supposed to give me my money back. So now
our our friends showing who is also you know, a
mutual friend. I go to him and I say, showing Sun,
(13:36):
I borrow a hundred dollars till next month. And Shan
is like, you know what, I remember Rashan telling me
that ra needsh you brow money. Let me go ask him.
And Sean comes to ask you, Hey, ro need shall
to tell you many? You say, man, don't you learn
round needs you no money? I gotta wait three months.
I ain't gotta dime yet. So that's the same way
that a lender looks at your payment habit and your
(13:57):
utilization habit to determine if they're were likely to get
paid back or less likely. You know, I I love
it because that is a straight street talk right there,
that street talk one on one, that street talk one
on one right there. You know, you know, and don't
and don't show up and don't show up, and she
got some new shoes on. Don't show up. Some seafood,
(14:25):
eat some seafood. That man come, yeah, you know you
got some strip on your plate, you know, a polar strip,
and you owe me a hundred dollars. Don't do that
to me because I love that you would. I wouldn't
love that you were natural. That's what you're so successful,
because sometimes you got to talk to people in the
natural form so they can understand what you have to speak.
(14:48):
And that's what I do. I speak the language of
my people, yes, and break it down as simple as
I can. Well, okay now everything no, not right now.
Our people they're struggling and doing this pandemic. And then
you know the credit scores being damaged, and we we
all know when you hear that word thirty percent. And
sometimes I suggest people take a cash advance and you
(15:10):
part of that cancer advance to make your miniment monthly
payments so your cred score don't go messed up. I
tell you put yourself on automatic payment on the minimum
of my mouth. Okay, and that way you you part
of that advantage that you took, said it aside. So
you make those minimum month payments during this pandemic. Run
that with your credit scores like you you agree with you,
(15:31):
you cannot allow your credit score to get damaged. It
get damaged. You just you just defaulted into a worse
situation for yourself. But how can these people survive? And
when I say this, people of color, minorities, you know,
people who are already struggling. And you know, the first
of all, they gave us the twel hunt and all
stimulus check, and then they gave us a six dollar
(15:51):
weekly checked that into July thirty one. And now that
they told us that the CDC can suspend evictions. But
then at the end of the year, you owe that
money for the wrench you didn't pay. How can we
get around you? Imagine getting caught up after you already
behind and you don't have no one come now, how
crazy is that? You know, I agree with what you said.
(16:15):
You know that cash it is. But once again that
goes back to see, here's the thing I tell people
to already be prepared. One of the things that I
have been blessed and fortunate to do is to always
stay prepared financially, because even when things are good, I
still don't go crazy. I have very great discipline with
(16:35):
my finances. So although I would be you know what
you would call I'm successful and I have money, I
still don't spend like I have money. I don't. And
I'm realizing that as I begin to hang around people
who are who have their finances, their finances are stable,
I'm realizing that a lot of them don't make unnecessary purchases.
(16:57):
So you have to be prepared. But now we're in
a situation so a lot of people, and I know
some of my associates, they have taken that twelve and
just blew it. They have taken the unepoyment checked and
I've known, I know people who have gotten ten thousand
dollars and twenty dollars and I'm like, you got that much,
I'm like, what are you gonna do with it? And
it's scoring already, But that could have helped them over it.
(17:19):
Just by making the minimum payment. It will hold you
over so that you won't ask any late payments reporting
that will decline your score. Your scores will drop anywhere
between thirty to seventy points from one late payment. Wow,
and ye can you tell them how those how those
those scores are reported. Uh, not trying to complicate the conversation,
(17:42):
but people need to know that, you know, electronically in
that world then people track you, They track you, and
they track your abe. It always amazes me Rhodesia. When
I put my credit card in and I mean like seconds,
the names seconds later it says approved. That that even today,
that boggles me gud, that the amodel of computer force
(18:05):
is tied to that is incredible that because I know
at the same same time, otteniously, I'm sure hundreds of
thousand people are pushing their card in that same type
of machine or card card reader and time octensionally and
it's hitting the word approved immediately. All rejection, depending on
where you are, is data. All of this is data,
(18:26):
and it's and it's like you said, it's tracking. Their
tracking your payments, they're tracking your utilization, and they're tracking
even down to where you live at. You know, anytime
you put on an application. I don't know if people
are aware of when you pull your credit every address
that you have lived at that you used to apply
for something shows up on your credit report. So it's
definitely attracting system. But the credit bureaus are nothing but
(18:48):
data companies, a billion dollar industry. They get paid to
collect data to report your behalf to then sell to
the bigger banks and financial institutions. That all it is
now one of your favorite I could say nonprofits that
you are tied to are associated with our creators called
go get crowned. Tell us about why you start that not?
(19:10):
I have my points about Actually, actually it's queening now
I changed it to queening. Um and I do. I
do a mentorship program for young girls between and called
Queen is called Queeny right qu e Q right Q
you E E N I n G yes. And I
also wrote a book called Queening on Amazon. So so
(19:33):
Queening is a non practice organization for young black women
okay from the ages of fourteen to twenty one. And
it's basically me giving them all of the life skills
that I have acquired over the years. I'm talking about,
you know, teaching them how to see money as a
tool and not as this this tangible thing to just spend, spend,
(19:54):
spence and spend. Teaching them how to invest I'm also
a real estate investor, and I have several female friends
that are real estate investors. I bring them in to
talk to my girl so that they can see other
young black success for women or minority women who because
we have some Latinos also who look like them and
come from communities where they come from, so they can
(20:15):
see the example. I also bring in my other entrepreneur
friends from different industries, so some of my girls and
the start of the program will ask them, you know
what interests you do? You have an idea of where
you want your life to go or where you seeing yourself,
where you see yourself in the next five to fifteen years.
So whatever that industry is that they choose, I try
to get somebody to come in from the industry to
(20:36):
um talk about their experience, the ups and downs, the
highs and the lows, and then also ask them if
they with my mentoring my girls based off of the
industry that they choose, because I feel that that's super
important to to have a mentor um. A lot of
things could be prevented a lot of trial and error
if you have a mentor who can help you and
(20:57):
assist you that you have access to along your journey.
I feel like that's very important. So we teach homeownership,
we talk about, you know, self esteem. We talk about
African culture and the beauty of being Africans and celebrating
our features and celebrating our culture. We talk about money management,
we talk about it. That's what we talk about, all
(21:18):
different types of life, things that could actually enriching, you know,
their lives. I'm tell you, Nicia, you're one of my
favorite people. You know, we you know, you know, we
we we we we We didn't connect originally on our
original set time. I would maybe she don't want to
talk to maybe maybe maybe you don't want to talk
to Rachelle mcdonalda money maker. No, no, no, you got
(21:40):
it going on, Queenie, come on that. You know I'm
talking about Nisha Howardtons. Okay, we've already talked about, you know,
one of the businesses which is a CEO. She's a
CEO found up Credit Medics now, the nonprofit which is mentoring.
The reason I said you one of my favorite people
because that's why I established Money Making Conversations for Metory.
Because I can't mentor a lot of people. People are
way to approaching me. So I just said, I ment
(22:01):
to you by providing you with free information, because that's
what happens. You can upload upload these interviews on my
YouTube channel for free, upload on my website for free.
All people have to do is just search and you can.
You can hear an incredible person like you telling them
why they have to protect their credit, tell them how
they can protect themselves. And also the other side of
(22:22):
the table, they can find out about you and go
to you and take advantage of your services, take advantage
of what you're trying, how you're trying to change lives
with this mentorship program and let people know the empowerment
of looking in the mirror, recognizing that they face, that
they see the color that they see. Can be successful,
is beautiful, is worth standing strong, don't let the negative
(22:42):
pull you down. And that's what you were saying with
the Queenian program correctly, absolutely, absolutely, And I love the
interaction with these these young women. And then so it's
so it's so crazy because the mentorship that I did
um three years ago. My the girls in that class,
two of them I have hired and they work for me.
(23:05):
And just to see the progress in the confidence and
the self esteem by itself touches my heart. It touches
my heart, and just to have them up under me.
One of my one of my men to Minty's um
came to me. She said, miss Niche, I'm ready to
buy a duplex. I said, whatever I gotta do to
make it happy for you, Let's do it. You know.
(23:26):
She could say, hey, missieche I want to go buy
a channel bad, But this time, miss me, I want
to get you know what I'm saying. So that's touching
to me. Putting that, putting that crown on your head.
You know what you got your black I'll checking you.
You know miss credit man, you know, good at that
girl the queen and I like that queen. But before
(23:48):
we wrap a queen and I want to talk about
to get well urgent care, which is like a medical facility.
Is that it's that part of the franchises or this
is an individual location that you are Actually that was
that was just an investment that came um that came up.
Somebody asked me, did would I'd be interested in investing
in an urgent care clinic? And at the time I
didn't know anything about it. I honestly did not. I
(24:10):
started to do my own research, and of course what
any type of investment is risky. You know, I always
tell people, don't you know, invest money that you're expecting
to get back, it's really a risk. Rather, I mean,
real estate is the risks you know less less, but
in any investment is going to be risky. So I
(24:30):
didn't know anything about it at the time, and I
just felt like, hey, let me just shoot my shot.
And I did it. And it was one of my friends.
Her husband was actually a doctor, and he was even
as a doctor, you're still an employee. And he was
working for um I think it was Pimont Medical Facility facility,
and what he each us he decided that, you know,
(24:52):
he didn't want to be an employee anymore. He said,
you know, I'm overseeing side of these urgent care clinics,
and I'm seeing these invoices. I'm seeing these invoices. Said
I'm like, you're looking at his check. Come, let's lo
it down. He's looking at his check, look at okay
(25:12):
and breaking downmore. He's looking at the white folks running
around here. Okay, okay, making all this good money. Okay,
he said, oh they making this? Wait, wait, they making
this and waiting women and I'm making this. So he started,
you know, started thanking way women. So he decided that
he wanted to do his own urgent here, and he
(25:34):
was looking for investors. And his wife was a friend
of mine, and she, you know, brought the opportunity to me.
She said, you know, would you be willing to invest? Um,
I did my research, and I just went ahead and
just you know, took the risk. And some of his
own faiths too, you know, because you can do all
the research you want, but some of it, you know,
like you said, you have to come. Yeah, you have
to sit down and go toothless tools for now. When
(25:55):
I'm talking about this is uh when you say, let's
let's talk about get well urgent care. First of all,
it's medical, and we all know, okay, people gonna die,
people don't get sick. Okay, that's that's the fact of life. Okay. Now,
And so with that, and so the investment part of
ability possibilities like here, where are they putting it at?
(26:15):
That's all you have to worry about. Who's running it
and where are they gonna put it at? Because I've
seen these urgent cares and they and they always got
cars park out in front of them, okay, and that
means that people need that service. And so so from
a standpoint of your research, you like you said, you're
riding on the statement that I just said, people are
gonna die and people are going to get sick. Okay.
(26:37):
So with that being said, how do you participate? Are
you do you go buy your facility? You're an investor?
Do you check on it? Do you have board meetings
or what? How do you do? I sit on the
board and I'm really just a silent investor, So of
course I get you know, quarterly checks based off of
(26:58):
my specificy of equity in the company right now? Or
do we see more franchises that you'll be associated with
or you said, Rouean, We're gonna see how this plays
out for the next one to Actually I'm probably not
going to do any more business with you right there
(27:23):
right there? See did I tell you I did? See's
one of my top people now because see I'm I'm
you cannot win being fake. You can win right there
right But what I am working on, it's three times
in my million dollar business credit medic cool cool cool.
(27:45):
The process of doing that right now, trying to um
create a software to make it very very very um
manageable and um very easy to navigate through and all
that kind of stuff. So that's the only piece that
listen to me, and then I will franchise my business. Well,
my friend, I want to let you know, uh, I
got a newsletter that goes out to my fans named
(28:08):
some thousand, nay plus thousand fans every two weeks. I
want to put your credit medics in there because, like
I said, you move to the top of the food
chain with me because you keep read keeping Because see
the thing, the reason, the reason I say that is
that we have a lot of relatable values that I
come from the inner city and and I realized that,
you know, when I was exposed to information outside of
(28:30):
the inner city, I am the person I am today.
So I'm always a proponent and also I give back.
I give back in so many different ways. And like said, money,
money and conversations. Just wanted the format. But I work
with HBCU platforms and do information to exposure at such
a high level. And so all I know is that
you have a friend in Rashaan McDonald. I'm so glad
we was able to pull off this interview and porporting.
(28:53):
Your nonprofit organization is beautiful. I'm gonna promote that, and
you look fantastic on social media, all black old with
the crime and put it and how can we reach
out to you? Tell us so you can actually go
to my website if and you will see we have like,
(29:13):
oh my god, so many different services available from first
time home ownership to building business, credit, business consulting. If
you're a business owner already. I feel like in our
community and I just moved into a bigger, phenomenal location.
My office is beautiful and there's enough space for me
to actually have it's like a conference area, a seminar
(29:34):
if we can have seminars. So I'm gonna be offering
monthly free workshops to existing business owners black small business
owners because I feel like that's a piece that's missing.
You can be really skilled at whatever it is that
you do in talented, but if you don't know the
business side of it, your business will suffer. So we're
gonna be offering free classes to small black business owners.
(29:55):
So you can go to Credit Medics and that c
R E d I T M E d I C
S one zero one Credit Medics one on one dot
com for all of our services, um and you can
find me on Instagram at Credit Medics one on one
and you can find me on Instagram. My personal page
(30:16):
is at my zerati niche and that's m A s
E r A t I n E E s eh
and I thank you so much for having me, Thank
you for sharing your platform with me, um piece, and
blessing to everyone listening. I'm loving on y'all. Okay, I'm
loving on YouTube. Thank you for coming on the show.
She's amazing. She's at the top of the food chain
with money main conversation. So we're gonna be hearing from
(30:38):
especially when you are when you when you get that software,
that software done right and be able to franchise and
bring it to Rashad McDonald so I can sell it
to my people first and put the word out about
it because I believe in you, because you're a real
talker and you don't try to sell false hopes. And
that's important in today and pandemic where we're being overtly
affected by the virus, being overtly affected by the financial
(31:00):
crisis that is creating in our household. We need information
to overcome those obstacles. And my friend ms Howardton, she
provides it. Thank you for coming on the show. Thank
you having a right thank you. If you want to
hear more of Money Making Conversation interviews, please go to
money Making Conversation dot com. I'm ras Sean McDonald. I'm
your host.
Host
Rushion McDonald
Popular Podcasts
Stuff You Should Know
If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.
24/7 News: The Latest
The latest news in 4 minutes updated every hour, every day.
The Joe Rogan Experience
The official podcast of comedian Joe Rogan.