February 3, 2025 • 43 mins
- On this week's show Dayna talks with Nancy Beaulieu about the "Babe" and the local museum honoring her achievements. Plus, Arlette Saucedo discusses credit scores and what you need to consider when buying a house.
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Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:03):
Well, hello Southeast Texas. I'm so glad you're joining us
on this gorgeous day outside. Boy don't we all need it.
I mean, we need that sunshine, We need that warmth
coming off that sign and it has been so enjoyable
just to hang out for a little bit outside and
enjoy that. I hope you're getting an opportunity to do
that as well, and just rest in the fact that
(00:26):
we don't have snow. Yeah, snow was fun, but I'm
really glad it's gone and we have some a little
bit warmer temperatures and a beautiful sunny day today, so
I hope you can get out there and enjoy that sunshine.
I have great guests on the show with us today
and you are going to want to listen through the
entire schedule of our show. First, we have a Nancy
(00:48):
Bull you who is going to be visiting with us
about the Babe Project, going to give us some insight
on what that is and what you need to know
about it. Also with us is our Lett Salcedo. She
is a loan originator for First Financial Bank, and she
is going to talk about what's your credit score, how
that plays a role in the home buying process and
(01:12):
where does it need to be. Is your credit score
too low? What do you need to know about credit
score and purchasing a home. Before we do that, I
wanted to give you a little bit of an update
as to what's going on in today's market. You know,
December and January we're both a little soft in our market.
We saw a numbers drop pretty significantly. But what we're
(01:37):
seeing right now is a pickup in that. I think
the telephones are ringing. We have buyers out there who
are making offers on properties. So I'm very optimistic. When
anyone has asked me, what do you think twenty twenty
five is going to look like, I'm very optimistic on
what I think is going to happen this year. We
do see a very strong economy here. Locally, we see
(02:00):
a lot of growth. We have lots coming to our
area that the wheels have started churning for those things
since the change in the leadership that we've had nationally.
So I see lots of good coming. If you are
on the fence and you just don't know is it
the right time for you, my office would love to
sit down and visit with you at no cost. Just
(02:21):
to say, here's the steps you need to take and
is it the best time for you. You can call
my office at four zero nine eight six six eight
three two six, or you can go to Danasimmons real
estate dot com and ask for an appointment. We can
get you scheduled to sit down and just visit with us.
We want to guide you through that process. There's absolutely
(02:43):
no pressure. We want to help you to make a
decision that you feel confident about. So whether that is
buying or selling, let us help you in that. Before
we get started today, I wanted you to visit with
our guests for just a little while to get to
know them. Now, a lot of you out there probably
know the name Nancy bow you and have heard of
her because she's been in Southeast Texas for a very
(03:05):
long time, active in our community and lots of different things.
So Nancy, for those who maybe they're new to Southeast
Texas and they haven't had the opportunity to know who
you are, share a little bit about you and your
life here in Southeast Texas and how long you've been here.
Speaker 2 (03:24):
Well, right after the earth cooled, Larry bullyw and I
moved here and I think That's what most people know
about me that don't know me personally, is that, except
they think I look like Seal Burant. Cecil Burant was
his wife on camera and a lot of people said, oh, Cecilia,
it's so glad to meet you, and I said no, yeah,
(03:47):
I said the other one.
Speaker 1 (03:49):
And for those of us who are old enough to
remember that, yeah, because Larry and Cecil were the Newspeople.
Speaker 2 (03:56):
They had the highest ratings in the ever. Yeah, it's
like sixty seven or something ridiculous.
Speaker 1 (04:04):
That's when news was really news. I shouldn't say that,
but well kind.
Speaker 2 (04:07):
Of when news was not run out of us outside
of Jefferson County. You know, we try to keep it
for home folks. But anyway, we have lived here forty
years or so and raised our children here, and Beaumont
has loved us and we loved them back.
Speaker 1 (04:25):
Yeah.
Speaker 2 (04:25):
So it's been a great thing. We have no interests,
particularly in movie anywhere. Unless I've become a great grandmother.
That would be nice, but not anytime soon. Yeah. Anyway,
that's what so I got. After the children were grown,
I started doing somemother things, and I've worked for a
(04:46):
bank as a their pr person. I did marketing for
Beaumont Associates for about five years. I did, Larry said
I just can't keep a job, so I've done. And
then I ran for office a couple of times and
that was a real experience and I hope we've got
a few good things son hearing that time.
Speaker 1 (05:05):
And you know you're on the wall in the Belmont
Chamber of Commerce as one of our past presidents.
Speaker 2 (05:11):
That's a terrible picture, by the way, I always.
Speaker 1 (05:14):
Telling me what a currently what really mean?
Speaker 2 (05:17):
No, Yeah, I was the first woman to get to
chair that Chamber of Commerce, and uh, it kind of
ties into what I'm here to talk to you about today,
because it's about the progress women have made in various fields.
And we've got something exciting plans.
Speaker 1 (05:35):
So I'm so excited to hear it. We'll talk about
that in our next segment. So you guys don't want
to go away. You're going to want to stay tuned
and listen to that. Oh yeah, also with us as
our Lette Sorcedo and our let you've been on the
show before, but tell everyone a little bit about you
as well.
Speaker 3 (05:49):
Yeah, just in case you haven't heard of me before,
I am a mom of two soon to be three.
Speaker 1 (05:55):
Super exciting. So for those of you who don't know
she's expecting, I just found I'm not out like today.
Speaker 3 (06:01):
I thought about surprising you on the radio show, but
then I was like, no, let's just wait.
Speaker 1 (06:05):
I'd have been stunned. I was stunning. So this is
so exciting. I'm so happy for you.
Speaker 3 (06:12):
But we've we've got a busy February because my daughter's
birthday was yesterday. She turns ten, and we're gonna be
celebrating at Urban Air, so that's where we're gonna have
a birthday party. And then Eddie Bertho, he is my son.
He's turning seven February eighteenth, so we have another birthday
party then, and then we have gender reveal. And then
(06:32):
my husband's birthday was two days ago, and you know,
we're just completely booked all of February.
Speaker 1 (06:38):
Right And I had asked you about getting a dog,
and you're like, no, we can't do that right now.
Speaker 3 (06:44):
But you know, I'm usually the one to be like no, no,
but this time I saw my daughter and I was like, oh,
she really wants this. And my husband was the one
who sat me down and he said, babe, we can't
do that right now.
Speaker 1 (06:55):
You have a lot on your plight. Well, one of
the things I love about how you work at First
Financial Bank that some people may not know is that
you're also bilingual, so you are able to open up
your connections with far more people to assist them than
your typical banker.
Speaker 3 (07:14):
Yes, and I absolutely love having that opportunity to be
able to help more than just my English speaking customers,
if not my Spanish speaking customers as well, because I
do do it fluently and I am able to better
assist them. And then growing up it was always my parents.
They never spoke any English. They still don't speak any English.
(07:34):
So being able to assist them and assist the customers
that come to me brings me joy because I'm like,
that's something I can actually do and help them with.
Speaker 1 (07:42):
Absolutely And we're going to talk about some of the
products that you have and some of the options you
have for either first time home buyers who are wondering
if they can qualify, but then also some products that
are out there for more seasoned buyers who maybe you're
looking to move up in their home buying process. We're
going to talk about that in a couple of our
next segments, so you're not going to want to miss that.
(08:04):
If you're thinking about whether you want to buy or
seal again, call my office. Our office is open eight
to eight Monday through Saturday, and we have someone who
can assist you four O nine eight six six eight
three two six or Danasimmons real estate dot com. But
also if you would like to ask or let or
Nancy any questions, we have the lines open for you today.
(08:28):
Four oh nine eight nine six five five eight four
is the Kovia telephone number. We would love to answer
any questions that we can and if we don't know
the answer, we'll find the answer. So give us a call.
In the show today, we'd love to connect with you.
We're going to go away and come back and talk
about the Babe Project, so don't go away, we'll be
(08:49):
right back. This is the Dana Simmons Show. Welcome back.
This is Dana Simmons and joining me on the show
today is Nancy Bullu and she is going to visit
with us about the Babe Project as she's giving us information.
If you think of a question that you'd like to ask,
please call us here at KOLBI. That number's four O
(09:10):
nine eight ninety six KLVI, which is four O nine
eight ninety six five five eighty four. So Nancy, let's
talk a little bit about number one. What is the
Babe project.
Speaker 2 (09:23):
Well, the first thing you have to know is who
the Babe is.
Speaker 1 (09:25):
Yes, that's exactly right, for those who don't.
Speaker 2 (09:28):
Yeah, it's Babe Dietrison Zaharias. And she was an amazing person.
And this is the celebration of her life and her
what she brought to women in sports. And I don't
know if you've read any of these headlines, but I've
run across them lately, probably because I've started thinking about
(09:50):
this more. But our last Olympics, where we had wonderful
participation by women, we had a huge number that went
brought home more than half of the medals at the
USA one, well significantly more than half. So that could
never have happened in years past. It was you couldn't
(10:10):
even We sent a token number of women to kind
of just stay out of the way, and when they
started winning medals, it opened a lot of people's eyes,
and Babe was one of those. So she is a phenomenon.
She has been a Athlete of the Year untold number
(10:35):
of times and she was actually declared Female Athlete of
the Century by Associated Press of the Century.
Speaker 1 (10:45):
And she's from Beaumont, is.
Speaker 2 (10:48):
Actually born in Port Author to give full credit where
credit is. And they moved to Beaumont because of floods
taking their hounds out import Author, so it wasn't leaving
by choice. They moved to a little drier spot. And
she was quite the tomboy, is what we would have
(11:10):
called her. She didn't know that she wasn't supposed to
be the fastest, the toughest, the strongest, but she competed
automatically almost It seems she had a real competitive streak.
And she didn't care for this boys or girls or
people were paying Tiddley winks on the sidewalk. She wanted
to play, she wanted to win.
Speaker 1 (11:33):
So talk a little bit about the years. We're talking
about what is.
Speaker 2 (11:37):
Back And she's born in nineteen eleven, Okay, And so yeah,
I don't remember that. I want to go on the record.
It's not knowing about that year. A lot of people
think I was there, but I didn't know her personally, but.
Speaker 1 (11:49):
Maybe Paula both he did, but she loved me for that.
Speaker 2 (11:53):
Yeah. I just think her story is so amazing because
of the little girls that I've watched playing sports these days.
My granddaughter is specific. But anybody that knows me, it
all knows. You have to hear about Maggie if you
know me. But she played multiple sports in like the babe,
she wanted to be the best at everything she did.
(12:16):
She finally settled on softball. It gave her a college
education and it gave her a lot of other things.
And I think that's what we want to emphasize to
the young ladies here. We have a lot of young
ladies playing everything from basketball and softball and soccer and
(12:39):
just swimming, all the gymnastics, running track, and they were
all if I had, if they had their way, they
would probably do more than once for it. It's gotten to
where you don't have enough room for everybody to do
mini sports, but it does things for you to be
competitive and to when.
Speaker 1 (13:00):
And so she participated. I know golf was one of those.
Speaker 2 (13:04):
She created the Women's PGAs said she and her husband amazing.
She married a guy that was a wrestler, which I
thought was funny just because she probably you know, hand
wrestled all. I can see him now. It's sitting at
the kitchen table, wrestling each other. Yeah, yeah, trying to
get that elbow down. But she was she started out.
(13:27):
This is how she got her name. Her name was
not Babe. Her family called her that. But the real
way she got that name is because playing neighborhood baseball
with the neighborhood kids, just you know, a little said
the ball She had about five over the fence one
(13:47):
day and they said, she's hitting the ball at Babe. Ruth. Yeah,
look at that, you know, so they called her the Babe.
It turns out her family had a kind of a
nickname for her, his Babe anyway, so it all kind
of flowed together. But she would play. She played against
the boys she pitched against. She struck out Ted Williams.
(14:08):
You can imagine all starry hitter, you know, she struck
him out. And she that was a sideline playing baseball.
She she could, she practiced her track events. She didn't
have any coaching, she didn't have any facilities, she had
no nil money, Yeah right, none of that was there.
(14:31):
But she asked her neighbors. For instance, they had hedges
between their houses, and she asked them if they would
cut them low enough that it would be the height
of a hurdle because she didn't have any place to
practice jump in hurdles. So she and her little sister
would race each other, and she let her sister run
on the flat land and she would run the hedges.
Speaker 1 (14:51):
Oh that's funny.
Speaker 2 (14:52):
Oh and she loved it. And everything I've read about her,
I really hated that I didn't know her, because everybody
that knew her she was very genuine. She was very
just so happy to be getting to play. Yeah, that
was just her heart really in it. She played in
(15:12):
some men's golf tournaments, by the way, she was well
known for golf, and she won some of the guys tournaments,
which is probably when they started suggesting she start her
own club.
Speaker 1 (15:25):
I don't know many men who like for a woman
to beat them in golf or anything else, or any.
Speaker 2 (15:31):
Doubts, right, Yeah, but that never worried her. They could
just love her the way she was. But she did
do a phenomenal job. She won like forty two national tournaments,
and the last couple of them she won while she
(15:52):
was under treatment for cancer, which is what took her life.
So we celebrate her life in many ways. Now. Uh,
there's a museum in town yes it is, and that
is one reason we're on this. We're making a point.
This is Babe's year. She has a birthday in June.
We're going to have a big weekend the movie and
(16:14):
in case you didn't ever see it, the Babe Full
Hollywood production, it's going to show it the Jefferson, Okay,
which is an event in itself. If you go to
the Jefferson, it's just awesome. We're gonna we're going to
give some awards to outstanding athletes in the area girls
(16:36):
of course. Uh, and we're going to emphasize how proud
we are of Babe. We're going to try to find
some get some medallions made for the girls to wear
on their uniforms and uh, that's that's you can put
it on your hat, you know, a place you feel comfortable.
But just to remember that you're part of the Babe's legacy.
And we're looking for some coaches to have some input
(16:58):
on it by for young people as they do this.
The baby just did it on her own. She said,
I want to try it. I want to go to
the Olympics. That's it.
Speaker 1 (17:11):
Yeah, sure, whatever she had persistence.
Speaker 2 (17:16):
She had, she kind of butted her way into the
tryouts and they finally she was so insistent they just
let her try. Okay, she qualified in all five events.
She went to the thirty nineteen thirty two Olympics, came
home with about five medals, two of them gold, and
(17:38):
it was track and field events strength event. She could
throw a javelin farther than anybody on record, and she
just gave it all she had, which is how well
to live.
Speaker 1 (17:53):
Life, absolutely and whatever we do.
Speaker 2 (17:56):
So the fact that she has a museum here isn't
evidently a treasured secret because people have lost sight of that.
It's not really big, but it's a funny thing. When
you go over there. You need to know this. It's
a round building if you look at it from the air.
They made gardens that make it round, circles on either
(18:20):
side of it, two on each side. That's the five
rings of the Olympic emblem.
Speaker 1 (18:28):
The very thought provoking. Yeah.
Speaker 2 (18:30):
But it's full of videos and kiosk where you can
flip around and learn information and hear information, see her
in action. And she wasn't as you might guess, she
wasn't worried about too much about what she wore, but
she did have things that she like enjoyed being a
girl too. I've read one thing where she went to
(18:52):
get her National Athlete award and she bought a pink hat,
pink felt ooh, pink felt hat because wearing her high
heels the whole bit. So she knew how to be
a girl, but it just was inconvenient. You can't run
in high hills. We all know that. That's why we're
(19:14):
all we're in Tennessees today. But she did. The museum
is fabulous. There's a foundation that established it and they
still are have the foundation because they keep it running
and they get they I talk to the gentleman that
his staff that's over there is open every day of
(19:35):
the week except Sunday.
Speaker 1 (19:36):
Okay it is free.
Speaker 2 (19:38):
Yeah, let me sit again. Free y'all remember that word.
Speaker 1 (19:41):
Well, and what an encouragement if you have girls, if.
Speaker 2 (19:44):
You take your girls in there. That's what we're going
to try to do is get a lot of people.
I'm going to write the teams that are coming to
play lamar the girls teams that are coming to play softball, soccer, whatever,
and say while you're since you're coming, you've got a
bus us right, take the girls over and let them
wander through there and see what they can do.
Speaker 1 (20:04):
And see shoulders we've been able to grow on top
of because you know, it's because of what she did.
Speaker 2 (20:11):
She opened doors like you can't you can't even fathom
that it was ever as restricted. And it was not
too long after women got the vote. Put that in context. Yeah,
it wasn't too long after that when she was playing. Yeah,
she all she wanted to do was was the best
(20:31):
she could.
Speaker 1 (20:32):
So you guys have this celebration coming up. You were
saying that they're going to have the movie at the
Jefferson Theater in June. Do you have any dates or
information about what's going on on.
Speaker 2 (20:43):
That June twenty six, twenty seven, twenty eight. That week,
we will ask city councils to proclaim the we could
obabe for.
Speaker 1 (20:53):
Here for our area right and where.
Speaker 2 (20:57):
We haven't decided on exactly how the program's going to
can't name you a speaker yet because we're just now
getting this all lined down, but we are going to
have We're gonna put up signs and all the all
the locker room doors, for the doors to the gym,
you know that have we have a big picture of
the babe, And I want to remind the girls that
(21:17):
she did it for you. Yeah right, and she made
the fact that you even have your own dressing room. Wow,
you know you think that's automatic.
Speaker 3 (21:27):
Not, So.
Speaker 2 (21:29):
She got that for you. Yeah, and you can come
see who she was and know that even without a team,
she had no parental support. Her parents just said, I
don't know what she's why she's doing that, but whatever,
you know, we love her. She can still come home,
you know. But she did not know she had no training,
no weekends to go to big coaches to teach you
(21:53):
a new skill that goes with your sport, no travel
expense covered, no uniform. Yeah, she did a god out
there and hustled and she was She did amazing things.
Everything she entered. She won significant national even awards. So
(22:13):
we want to welcome all the athletes around to hear
the girls and their moms and dads to come down
and join us at the Jeffersons to celebrate as we
will also be there was a scholarship established in the
babes name and it was a little more university and
we're going to try to reopen that and make sure
(22:36):
that it is continuing to be available.
Speaker 1 (22:39):
For our girls.
Speaker 2 (22:40):
Yeah, if you've got any ideas, we'd love to hear
from anybody that wants to participate in this and help
us with it.
Speaker 1 (22:47):
So if any of you out there have thoughts or
ideas about this, I love this. I'm going to be honest.
I've not been to that museum, but now you have
encouraged me, and I want to go see And you
know what else SO want to do. I want to
bring my granddaughters. Yes, I want to bring them to
see it. My one of my three year old granddaughters
starts tea ball this year.
Speaker 2 (23:08):
Oh wonderful.
Speaker 1 (23:09):
Yeah, so as a kind of a little connection with that,
I'd love to bring both of them, but especially since
Hattie'll be playing tea ball, to kind of let her
see someone who pushed through and did that successfully.
Speaker 2 (23:24):
And could that could make a life out of it. Yeah,
without anybody helping her and telling her. The main thing
I think I got out of it when I read
through some of her books, the books about her, was
that she never let anybody tell her she couldn't. Yeah.
Speaker 1 (23:41):
Love that.
Speaker 2 (23:42):
I do too, because we spend a lot of time
said girls don't do that, girls don't sweat, right, Yeah,
we listen. Yeah, girls, don't. You're not gonna be kid,
You're not gonna be popular. That's not true. That is
not true at all. Ye.
Speaker 1 (23:58):
Well, and attracted success. Yes, we've seen that now, but
it wasn't then. But we do see that now. Yeah,
now you have.
Speaker 2 (24:06):
I'll speak as I said about my granddaughter. She's a picture. Yeah,
she dated baseball players and the first thing they did
was go to the to the hitting facility, and she
threw to them and they tried to hit her drop curve,
you know, and it was that makes you fall in love, evidently,
(24:26):
but they could they and then she would hit. She
would try to hit their their fastball, right. And it's
a little different when you're just forty feet from the batter.
There's the softball is to where you're six years eighty
feet out a little further for the guys, I can't
remember the number. But you make your own way in
(24:48):
that world. Yeah, And you learn a lot about self respect,
you learn about team play, and you learn that sometimes
you're not gonna win.
Speaker 1 (24:58):
Yeah, love it.
Speaker 2 (25:00):
Learning how to lose and walk away from it with amnesia. Yeah,
I don't have to think about that again. I'm going
to win the next one.
Speaker 1 (25:07):
But I'm going to learn from it. You learn.
Speaker 2 (25:09):
I know what I could have done better, and I'm
going to do it.
Speaker 1 (25:12):
And I'm going to do that.
Speaker 2 (25:13):
So that's a lot of what comes out of this.
That's what we I want personally for the girls of
our area, and I mean our big area. Anybody with
girls that are interested in any kind of athletics, we welcome.
Speaker 1 (25:25):
Them in all of Southeast Texas.
Speaker 2 (25:27):
Yeah and yes, And I learned a wonderful thing from
a friend here in town. There's something under the State
Education Act that allows you if you have just one
person who wants to represent the school in a sport,
you can get team status and your school will let
(25:48):
make sure you get to go to the tournaments to
be She was a swimmer and there wasn't a swim
team here locally at our high schools. And she's on
her committee. Wow, Lauren Mason. Yes, okay, and her watch
her daughter play basketball. Yeah, she is dynamite. She's gonna
(26:12):
be good.
Speaker 1 (26:13):
Well. I am so glad you came and shared just
a little history of Babe and encouraged us about the
Babe project. And I will definitely have you guys back
before June so we can finalize some additional information so
everyone can know although it's June twenty sixth, twenty seventh,
and twenty eighth, you have lots more coming.
Speaker 2 (26:34):
Yes, there's gonna be a lot of activity things can
We want to get the word out on people. What
I would like to do is get some footage of
everybody from t ball to coaches. Who you know Kim
Malky over at LSU, yes with an Olympic winner, and
she is the heck of a coach yea and she
(26:56):
she scares me. She knows how to get it done.
I would love to glean some comments from her. We're
trying to get some some video shot of girls and
playing every sport at different ages and show that before
the before we watch the Babes movie so they'll know
it's really about them. And but get you get this,
(27:20):
even if you're just one person, y'all to hear you
have to hear the story about how Lauren represented her
high school and and won some events as a swimmer,
and she was recognized as an area champion because there
wasn't anybody else to argue with her about it. She
(27:43):
laughs about that, but she was her own person. And
that's what we want for our girls.
Speaker 1 (27:49):
Yes, right, my granddaughter and my granddaughters and your daughters. Yeah. Well,
we are so thankful that you were here to share
a little bit of that with us. And if you
have not gone out to see the Babe Didrix and
za Haarius, what is it?
Speaker 2 (28:09):
It's a museum, museum it is. If you know where
the soccer fields.
Speaker 1 (28:13):
Are and there's the big plane there too.
Speaker 2 (28:16):
M Yeah, that's how you spot it, yep. But take
the exit off of I ten going toward Lake Charles.
You get off if you go to the soccer fields
and it's right there on the grounds and it is open.
It is. It is your museum, girls, yep.
Speaker 1 (28:31):
And we need to get out there and see it.
So if you have it, today's a beautiful day to
go do that. Go out there and take a look
at that, and we'll be sharing more information about the
Babe project that's coming in June. Okayky, so exciting. If
you want more information about that, reach out to my
office and I will connect you with the the people
who are getting that Babe project together. You may have
(28:53):
some great ideas that you want to share, so give
us a call and let us get you connected with
Nancy and with all so with Paula Bothey, who are
they are working on this? When we come back, we
are going to visit with our sarceto and we are
gonna talk about is now the right time for you
to buy? And how does a credit score impact if
(29:13):
it is the right time? Don't go away. This is
the Dana Simmons Show. Welcome back. This is Dana Simmons
and we have so enjoyed having Nancy Boyu on the
show with us talking about the Babe project. If you've
never been out to the Babe Museum there on Interstate ten,
it's right near the MLK exit. You'll see it right
(29:33):
there on the let's see, that's the north side of
the freeway. If you're heading towards Louisiana. I'm gonna take
my grandkids there. I have not been there. You know,
why is it that where we live we don't take
advantage of the amazing facilities that we have here. You know,
(29:54):
there are so many different things that we have to
do here, and yet we think we have to go
out of town to visit museums, to visit the parks
or whatever it is, when here in Southeast Texas, we
have such a large variety of things that you can do.
I'm thinking about, you know, Tyrrell Park, it is beautiful
(30:15):
and amazing. I'm thinking of Cattel Marsh and all that
it offers. I'm thinking about all of the museums both
downtown Beaumont as well as throughout our area. The Big Thicket.
You know what a beautiful area we have right there
in Hardin County with the Big Thicket. So if today
you're sitting at home wondering what to do, there are
(30:36):
lots of things to get out there and enjoy and
be able to take your family and it's free.
Speaker 3 (30:41):
You know, it's one of the important things, especially if
you have lots of kids or whatever it might be.
There's those activities for you to come go and do
locally where you don't have to spend an arm and
a leg to go do.
Speaker 1 (30:52):
Them absolutely well with us is our Lette Salcedo and
our let. You and I were visiting the other day
and one of the top that I visited with you
about was just to say, hey, let's talk about how
does your credit score? How does that play a role
in the home buying process? And I thought, let's kind
(31:13):
of share with people. What does that mean. I know
some people think, oh, my credit score is way too low,
I can't get a loan, or it has to be
a certain place in order for me to get a loan.
Talk a little bit about how those work together.
Speaker 3 (31:25):
Yeah, So, while credit does play an important role in
the mortgage process, it doesn't have to be perfect. So
you don't have to have the best or the highest
credit score in order to qualify for a mortgage. I
will say that it does have a lot to do
with the programs you're eligible for, has a lot to
do with your interest rates that ends up being or
any down payment assistance that may you may need. But
a lot of the times, just because you're unsure of
(31:48):
what your credit score is or because you might think
it's on the lower end, it's always best to consult
with someone because there are some programs that can let
you go as little as a five eighty credit score,
six hundred six twenty and all of those numbers. Just
to say, it will depend on you know what programs
and what things you're actually eligible for, But you never
(32:10):
know what your credit score. If you unsure of what
your credit score is, or if you feel like you've
had some major derogatories on there. It's always best to
consult with someone because we can also help guide you
on what you need to be doing to bring that
credit score where you need it to be for whether
it be the program you need to qualify for or
just to kind of better it so that we can
get you eligible for something or to qualify for something.
Speaker 1 (32:32):
Yeah, and that's the key is that you're able to
once you look at that say okay, guys, here are
some of the steps you need to take to improve
that score, and here's the amount of time it typically
takes for that to happen. And so you do educate
people on that, right.
Speaker 3 (32:48):
Yes, we do educate people on that, especially because it
is so important not only for your home buying process,
but whether anything that you're going to finance. One of
the biggest things whenever we're looking at credit is going
to be making sure you don't have any recent derogatories,
because recent derogatory or recent late payments, recent mispayments, those
are going to be the highest thing to contribute to
(33:10):
your credit score and what'll bring that credit score down.
One of the second most important things that you have
to look out for is going to be your credit
card utilization. So we typically say, you know, try to
stay below thirty percent of your overall credit utilization, not
just on the one card, but on the commutative balance
of all cards combined. So try to keep that below
(33:31):
thirty percent.
Speaker 1 (33:32):
So what you're saying there and want to clarify is
that for all your credit card debt, you want to
make sure that that is thirty percent are less correct.
Speaker 3 (33:42):
Okay, And thirty percent or less is usually what we
recommend so that you can have a better credit score overall.
Some people think, oh, if I pay my cards off completely,
then that's going to help me even more, which you
would think, you know, yes, that is going to help
me more, but it's actually sometimes best to try to
keep it within ten percent, and that's going to give
(34:03):
you the best credit utilization rating as far as credit
cards go. So if you have a statement and you're like,
you want to pay most of it down, I would,
But if you're about to get your credit pulled, try
to leave ten twenty dollars on there so that it
actually gets it's like a trick, so that you can
get like a ten to twenty point difference on your credit.
Speaker 1 (34:25):
Yeah, it's amazing that those little things make a difference,
and it doesn't in my mind, it doesn't make sense,
but in the credit world, it does make sense. And
one of the things that I want to talk about
when we come back, because we're going to come back
and talk for just a minute more about this, but
one of the things I want to talk to our
(34:45):
listeners about is getting your high school student a credit card. Yes,
And so when we come back, we're going to talk
about why that's a good idea and what you may
want to consider if you're doing that. So don't go away.
This is Dana Simmons with Dana Simmons Show, Welcome back.
I have been joined today by Nancy Bullyu, who gave
(35:08):
us some great information about the Babe Project and the
Babe's Ahirious Museum that we have here locally. If you
didn't get a chance to listen to the first part
of the show, it'll be posted on the iHeart website
as a podcast. So much good information about the Babe
and they have that project coming up June twenty sixth
(35:30):
through the twenty eighth. It's going to be known as
the Week of Babes. So we're super excited to learn
more about that in the weeks to come. Also wanted
to give you guys information about the Beaumont Chamber of
Commerce Economic Development Luncheon and Industrial Show that's coming up.
That's going to be Thursday, February thirteenth. That's going to
be at dogget Ford Park and that luncheon is going
(35:53):
to be eleven to one. The luncheon is going to
be catered by seventeen oh one Barbecue, Corville's and also
Ford Park. And if you are curious about the economic
impact of the industry and how that is going to
impact all of Southeast Texas or some of the carbon
(36:14):
capture and what is all of that, and you want
to be a part of hearing that that is cutting
edge information that is going to give us so much
of a shot in the arm for Southeast Texas and
what is going to continue to grow our economy. Come
here from our industrial panel. It's going to be Carry Phillips,
the plant manager at Chevron Phillips Chemical Company. It's going
(36:35):
to be Cody Mace, who is the plant manager of
Phillips sixty six. Bobby Tupper, the president and CEO of ISTC,
and the executive director of the Southeast Texas Plant Manager's Forum.
We're also going to have an ex On Mobile representative
and going to have great information on the economic impact
(36:56):
the industry has on the Southeast Texas area. Love for
you to join us. Also with us is our Let's
Sorcedo so ar Let. Let's talk a little bit about
why would you want to give your high school student
a credit card?
Speaker 3 (37:13):
Oh, it's so important for them to learn at such
at a young age, especially whenever they're in high school.
You know, they're they're out there, they might be driving,
they might be doing things by themselves at this point.
One of the first tips I tell if you're younger
and you want to go ahead and start establishing credit
is going to try to be to get a shared
secured credit card. And a shared secured credit card is
(37:35):
when you put your money up front as a deposit
almost and we extend you a line of credit for
that amount, whether that be three hundred, five hundred dollars,
whatever it is, and then you're extended that credit card
for that limit, and then you make payments on that.
So that's one way where they can get that started
and get boosted on. Okay, knowing what credit is and
being responsible for their own credit. Another option that people
(37:58):
aren't as familiar with is going to be if you
have someone like your parent and they wanted to add
you as an authorized user to their card, Well, you
start establishing credit since the date that card was open,
so you get all of the credit history from that
parent that had that card. And I say that as
an option too, just so that they can have it
if it's needed, but so that they can kind of
(38:19):
start building their own and having a sense to what
credit is. I would say the shared secured credit card
would probably be best just to kind of give them
insight and start letting them be responsible for their credit,
but to boost their credit score up a few more
points than adding them as an authorized user to one
of your credit cards. That's soup, That's key.
Speaker 1 (38:39):
Such a great idea, And I never knew that, so
didn't have my kids on that, but I sure wish
I would have. It would have taught them about credit
while they're under my roof, as well as be able
to build that credit for as they get older for
the things that they're gonna need. They're gonna need credit.
I mean, it is just a part of live when
you go to rent it. Apart anything, whenever you go
(39:02):
to buy a house, most things you are going to
have to have some sort of credit score. And so
for some people it's like, how do I build credit
when no one will give me credit? Well, this is
a phenomenal way for students and young adults to be
able to begin to grow that credit.
Speaker 3 (39:18):
And it is, and it's possible because I don't have
kids old enough to, you know, have credit cards. But
I have a brother and he lived with me when
he was sixteen seventeen eighteen, and whenever he lived with me,
I taught him about credit and I said, hey, I'm
going to add you as an authorized user to my card,
but we're going to get you one as well. The
one that I'm going to give you. That one is
to be used in emergencies because those might have different
(39:41):
credit limits whatever it might be. So you don't want
to hold them responsible for that, right, But I told
him these are this one is for emergencies only. Your
other one you're responsible for. We're going to log in
and we're going to see what balance you recruit, and
we're going to make payments on that.
Speaker 1 (39:55):
Yes, on whatever. Great way to teach and learn now
how that relates to when they want to buy a house.
One of the things that people think is they have
to have perfect credit to be able to purchase a house.
And while it is a very important credit is important,
it doesn't have to be perfect. That's right.
Speaker 3 (40:13):
It doesn't have to be perfect, especially when you get
with someone who really understands what you're needing and which
programs are out there, and you qualify for credit score,
debt to income which is a fancy way of saying
the amount of debt you have versus the amount of
income you may down payment. All of those items are
going to contribute into you being able to purchase your home.
(40:36):
Credit score being one of the most important for interest
rates and program eligibility, but super it does super important
that you know that it doesn't necessarily have to be perfect.
Speaker 1 (40:45):
And what are some of those programs that allow you
to have a little bit lower credit score but still
get into a home.
Speaker 3 (40:54):
So we have at First Financial Bank and Affordable Home
Mortgage program that allows you to have a little bit
of a lower credit score or maybe not as established
credit score. And then there's FAJ loans. FAJ loans are
designed for first time home buyers, so keeping in mind
that they allow maybe lower credit scores with a better
(41:15):
interest rate and more options for you to get more
closing costs assistance and then also.
Speaker 1 (41:23):
Hi less down payment were closing costs systems less cash
needed at closing. Well, if someone is interested in sitting
down and visiting with you about their credit score and
what they may qualify for, how would they get in
touch with you?
Speaker 3 (41:39):
They can always contact me at four oh nine four
seven four one five zero three. They can also email
me at a salsato at f fi N dot com.
And that's a sauce like tomato sauce do at f
fi N dot com.
Speaker 1 (41:54):
That's how I always try to spell your name. The
minute I write your name down, I have to think
sauce do yes. It makes it easier, makes it so mucheezier.
I'm so glad you came up with that. Well, we
want to say thank you so much our litte for
joining us today kind of educating us a little bit
on the fact that your credit score does not have
to be perfect. While credit is important, perfection isn't necessary
and allowing someone to come sit down and visit with
(42:16):
you to talk through Okay, if it isn't the right
credit score. What do we need to do to get
you to that right score? And the fact that you
will help them and guide them through that process to
get them and I've seen you do that over and
over and over and it's so helpful. Wanted to also
say congratulations on the new baby. Exciting things coming your way,
so exciting. Just a reminder that our office is open
(42:39):
today till eight o'clock. You're welcome to give us a
call at four nine eight six six eight three two six.
You can always go to Dana Simmons dot com or
Dana Simmons real Estate dot com and we will have
all of the properties there for you to view and
you can make an appointment to sit down and visit
with us. I have enjoyed having you at this with
us on the show today with Nancy, BULLYU and the
(43:00):
Bull on the Babe Project. We look forward to seeing
you tomorrow, not tomorrow, next week, next week. Can't do
this every day, just every Saturday at noon, so we
look forward to seeing you back here next Saturday at
noon on the Dana Simmons Show. Have a wonderful, beautiful
Saturday
Well, hello Southeast Texas. I'm so glad you're joining us
on this gorgeous day outside. Boy don't we all need it.
I mean, we need that sunshine, We need that warmth
coming off that sign and it has been so enjoyable
just to hang out for a little bit outside and
enjoy that. I hope you're getting an opportunity to do
that as well, and just rest in the fact that
(00:26):
we don't have snow. Yeah, snow was fun, but I'm
really glad it's gone and we have some a little
bit warmer temperatures and a beautiful sunny day today, so
I hope you can get out there and enjoy that sunshine.
I have great guests on the show with us today
and you are going to want to listen through the
entire schedule of our show. First, we have a Nancy
(00:48):
Bull you who is going to be visiting with us
about the Babe Project, going to give us some insight
on what that is and what you need to know
about it. Also with us is our Lett Salcedo. She
is a loan originator for First Financial Bank, and she
is going to talk about what's your credit score, how
that plays a role in the home buying process and
(01:12):
where does it need to be. Is your credit score
too low? What do you need to know about credit
score and purchasing a home. Before we do that, I
wanted to give you a little bit of an update
as to what's going on in today's market. You know,
December and January we're both a little soft in our market.
We saw a numbers drop pretty significantly. But what we're
(01:37):
seeing right now is a pickup in that. I think
the telephones are ringing. We have buyers out there who
are making offers on properties. So I'm very optimistic. When
anyone has asked me, what do you think twenty twenty
five is going to look like, I'm very optimistic on
what I think is going to happen this year. We
do see a very strong economy here. Locally, we see
(02:00):
a lot of growth. We have lots coming to our
area that the wheels have started churning for those things
since the change in the leadership that we've had nationally.
So I see lots of good coming. If you are
on the fence and you just don't know is it
the right time for you, my office would love to
sit down and visit with you at no cost. Just
(02:21):
to say, here's the steps you need to take and
is it the best time for you. You can call
my office at four zero nine eight six six eight
three two six, or you can go to Danasimmons real
estate dot com and ask for an appointment. We can
get you scheduled to sit down and just visit with us.
We want to guide you through that process. There's absolutely
(02:43):
no pressure. We want to help you to make a
decision that you feel confident about. So whether that is
buying or selling, let us help you in that. Before
we get started today, I wanted you to visit with
our guests for just a little while to get to
know them. Now, a lot of you out there probably
know the name Nancy bow you and have heard of
her because she's been in Southeast Texas for a very
(03:05):
long time, active in our community and lots of different things.
So Nancy, for those who maybe they're new to Southeast
Texas and they haven't had the opportunity to know who
you are, share a little bit about you and your
life here in Southeast Texas and how long you've been here.
Speaker 2 (03:24):
Well, right after the earth cooled, Larry bullyw and I
moved here and I think That's what most people know
about me that don't know me personally, is that, except
they think I look like Seal Burant. Cecil Burant was
his wife on camera and a lot of people said, oh, Cecilia,
it's so glad to meet you, and I said no, yeah,
(03:47):
I said the other one.
Speaker 1 (03:49):
And for those of us who are old enough to
remember that, yeah, because Larry and Cecil were the Newspeople.
Speaker 2 (03:56):
They had the highest ratings in the ever. Yeah, it's
like sixty seven or something ridiculous.
Speaker 1 (04:04):
That's when news was really news. I shouldn't say that,
but well kind.
Speaker 2 (04:07):
Of when news was not run out of us outside
of Jefferson County. You know, we try to keep it
for home folks. But anyway, we have lived here forty
years or so and raised our children here, and Beaumont
has loved us and we loved them back.
Speaker 1 (04:25):
Yeah.
Speaker 2 (04:25):
So it's been a great thing. We have no interests,
particularly in movie anywhere. Unless I've become a great grandmother.
That would be nice, but not anytime soon. Yeah. Anyway,
that's what so I got. After the children were grown,
I started doing somemother things, and I've worked for a
(04:46):
bank as a their pr person. I did marketing for
Beaumont Associates for about five years. I did, Larry said
I just can't keep a job, so I've done. And
then I ran for office a couple of times and
that was a real experience and I hope we've got
a few good things son hearing that time.
Speaker 1 (05:05):
And you know you're on the wall in the Belmont
Chamber of Commerce as one of our past presidents.
Speaker 2 (05:11):
That's a terrible picture, by the way, I always.
Speaker 1 (05:14):
Telling me what a currently what really mean?
Speaker 2 (05:17):
No, Yeah, I was the first woman to get to
chair that Chamber of Commerce, and uh, it kind of
ties into what I'm here to talk to you about today,
because it's about the progress women have made in various fields.
And we've got something exciting plans.
Speaker 1 (05:35):
So I'm so excited to hear it. We'll talk about
that in our next segment. So you guys don't want
to go away. You're going to want to stay tuned
and listen to that. Oh yeah, also with us as
our Lette Sorcedo and our let you've been on the
show before, but tell everyone a little bit about you
as well.
Speaker 3 (05:49):
Yeah, just in case you haven't heard of me before,
I am a mom of two soon to be three.
Speaker 1 (05:55):
Super exciting. So for those of you who don't know
she's expecting, I just found I'm not out like today.
Speaker 3 (06:01):
I thought about surprising you on the radio show, but
then I was like, no, let's just wait.
Speaker 1 (06:05):
I'd have been stunned. I was stunning. So this is
so exciting. I'm so happy for you.
Speaker 3 (06:12):
But we've we've got a busy February because my daughter's
birthday was yesterday. She turns ten, and we're gonna be
celebrating at Urban Air, so that's where we're gonna have
a birthday party. And then Eddie Bertho, he is my son.
He's turning seven February eighteenth, so we have another birthday
party then, and then we have gender reveal. And then
(06:32):
my husband's birthday was two days ago, and you know,
we're just completely booked all of February.
Speaker 1 (06:38):
Right And I had asked you about getting a dog,
and you're like, no, we can't do that right now.
Speaker 3 (06:44):
But you know, I'm usually the one to be like no, no,
but this time I saw my daughter and I was like, oh,
she really wants this. And my husband was the one
who sat me down and he said, babe, we can't
do that right now.
Speaker 1 (06:55):
You have a lot on your plight. Well, one of
the things I love about how you work at First
Financial Bank that some people may not know is that
you're also bilingual, so you are able to open up
your connections with far more people to assist them than
your typical banker.
Speaker 3 (07:14):
Yes, and I absolutely love having that opportunity to be
able to help more than just my English speaking customers,
if not my Spanish speaking customers as well, because I
do do it fluently and I am able to better
assist them. And then growing up it was always my parents.
They never spoke any English. They still don't speak any English.
(07:34):
So being able to assist them and assist the customers
that come to me brings me joy because I'm like,
that's something I can actually do and help them with.
Speaker 1 (07:42):
Absolutely And we're going to talk about some of the
products that you have and some of the options you
have for either first time home buyers who are wondering
if they can qualify, but then also some products that
are out there for more seasoned buyers who maybe you're
looking to move up in their home buying process. We're
going to talk about that in a couple of our
next segments, so you're not going to want to miss that.
(08:04):
If you're thinking about whether you want to buy or
seal again, call my office. Our office is open eight
to eight Monday through Saturday, and we have someone who
can assist you four O nine eight six six eight
three two six or Danasimmons real estate dot com. But
also if you would like to ask or let or
Nancy any questions, we have the lines open for you today.
(08:28):
Four oh nine eight nine six five five eight four
is the Kovia telephone number. We would love to answer
any questions that we can and if we don't know
the answer, we'll find the answer. So give us a call.
In the show today, we'd love to connect with you.
We're going to go away and come back and talk
about the Babe Project, so don't go away, we'll be
(08:49):
right back. This is the Dana Simmons Show. Welcome back.
This is Dana Simmons and joining me on the show
today is Nancy Bullu and she is going to visit
with us about the Babe Project as she's giving us information.
If you think of a question that you'd like to ask,
please call us here at KOLBI. That number's four O
(09:10):
nine eight ninety six KLVI, which is four O nine
eight ninety six five five eighty four. So Nancy, let's
talk a little bit about number one. What is the
Babe project.
Speaker 2 (09:23):
Well, the first thing you have to know is who
the Babe is.
Speaker 1 (09:25):
Yes, that's exactly right, for those who don't.
Speaker 2 (09:28):
Yeah, it's Babe Dietrison Zaharias. And she was an amazing person.
And this is the celebration of her life and her
what she brought to women in sports. And I don't
know if you've read any of these headlines, but I've
run across them lately, probably because I've started thinking about
(09:50):
this more. But our last Olympics, where we had wonderful
participation by women, we had a huge number that went
brought home more than half of the medals at the
USA one, well significantly more than half. So that could
never have happened in years past. It was you couldn't
(10:10):
even We sent a token number of women to kind
of just stay out of the way, and when they
started winning medals, it opened a lot of people's eyes,
and Babe was one of those. So she is a phenomenon.
She has been a Athlete of the Year untold number
(10:35):
of times and she was actually declared Female Athlete of
the Century by Associated Press of the Century.
Speaker 1 (10:45):
And she's from Beaumont, is.
Speaker 2 (10:48):
Actually born in Port Author to give full credit where
credit is. And they moved to Beaumont because of floods
taking their hounds out import Author, so it wasn't leaving
by choice. They moved to a little drier spot. And
she was quite the tomboy, is what we would have
(11:10):
called her. She didn't know that she wasn't supposed to
be the fastest, the toughest, the strongest, but she competed
automatically almost It seems she had a real competitive streak.
And she didn't care for this boys or girls or
people were paying Tiddley winks on the sidewalk. She wanted
to play, she wanted to win.
Speaker 1 (11:33):
So talk a little bit about the years. We're talking
about what is.
Speaker 2 (11:37):
Back And she's born in nineteen eleven, Okay, And so yeah,
I don't remember that. I want to go on the record.
It's not knowing about that year. A lot of people
think I was there, but I didn't know her personally, but.
Speaker 1 (11:49):
Maybe Paula both he did, but she loved me for that.
Speaker 2 (11:53):
Yeah. I just think her story is so amazing because
of the little girls that I've watched playing sports these days.
My granddaughter is specific. But anybody that knows me, it
all knows. You have to hear about Maggie if you
know me. But she played multiple sports in like the babe,
she wanted to be the best at everything she did.
(12:16):
She finally settled on softball. It gave her a college
education and it gave her a lot of other things.
And I think that's what we want to emphasize to
the young ladies here. We have a lot of young
ladies playing everything from basketball and softball and soccer and
(12:39):
just swimming, all the gymnastics, running track, and they were
all if I had, if they had their way, they
would probably do more than once for it. It's gotten to
where you don't have enough room for everybody to do
mini sports, but it does things for you to be
competitive and to when.
Speaker 1 (13:00):
And so she participated. I know golf was one of those.
Speaker 2 (13:04):
She created the Women's PGAs said she and her husband amazing.
She married a guy that was a wrestler, which I
thought was funny just because she probably you know, hand
wrestled all. I can see him now. It's sitting at
the kitchen table, wrestling each other. Yeah, yeah, trying to
get that elbow down. But she was she started out.
(13:27):
This is how she got her name. Her name was
not Babe. Her family called her that. But the real
way she got that name is because playing neighborhood baseball
with the neighborhood kids, just you know, a little said
the ball She had about five over the fence one
(13:47):
day and they said, she's hitting the ball at Babe. Ruth. Yeah,
look at that, you know, so they called her the Babe.
It turns out her family had a kind of a
nickname for her, his Babe anyway, so it all kind
of flowed together. But she would play. She played against
the boys she pitched against. She struck out Ted Williams.
(14:08):
You can imagine all starry hitter, you know, she struck
him out. And she that was a sideline playing baseball.
She she could, she practiced her track events. She didn't
have any coaching, she didn't have any facilities, she had
no nil money, Yeah right, none of that was there.
(14:31):
But she asked her neighbors. For instance, they had hedges
between their houses, and she asked them if they would
cut them low enough that it would be the height
of a hurdle because she didn't have any place to
practice jump in hurdles. So she and her little sister
would race each other, and she let her sister run
on the flat land and she would run the hedges.
Speaker 1 (14:51):
Oh that's funny.
Speaker 2 (14:52):
Oh and she loved it. And everything I've read about her,
I really hated that I didn't know her, because everybody
that knew her she was very genuine. She was very
just so happy to be getting to play. Yeah, that
was just her heart really in it. She played in
(15:12):
some men's golf tournaments, by the way, she was well
known for golf, and she won some of the guys tournaments,
which is probably when they started suggesting she start her
own club.
Speaker 1 (15:25):
I don't know many men who like for a woman
to beat them in golf or anything else, or any.
Speaker 2 (15:31):
Doubts, right, Yeah, but that never worried her. They could
just love her the way she was. But she did
do a phenomenal job. She won like forty two national tournaments,
and the last couple of them she won while she
(15:52):
was under treatment for cancer, which is what took her life.
So we celebrate her life in many ways. Now. Uh,
there's a museum in town yes it is, and that
is one reason we're on this. We're making a point.
This is Babe's year. She has a birthday in June.
We're going to have a big weekend the movie and
(16:14):
in case you didn't ever see it, the Babe Full
Hollywood production, it's going to show it the Jefferson, Okay,
which is an event in itself. If you go to
the Jefferson, it's just awesome. We're gonna we're going to
give some awards to outstanding athletes in the area girls
(16:36):
of course. Uh, and we're going to emphasize how proud
we are of Babe. We're going to try to find
some get some medallions made for the girls to wear
on their uniforms and uh, that's that's you can put
it on your hat, you know, a place you feel comfortable.
But just to remember that you're part of the Babe's legacy.
And we're looking for some coaches to have some input
(16:58):
on it by for young people as they do this.
The baby just did it on her own. She said,
I want to try it. I want to go to
the Olympics. That's it.
Speaker 1 (17:11):
Yeah, sure, whatever she had persistence.
Speaker 2 (17:16):
She had, she kind of butted her way into the
tryouts and they finally she was so insistent they just
let her try. Okay, she qualified in all five events.
She went to the thirty nineteen thirty two Olympics, came
home with about five medals, two of them gold, and
(17:38):
it was track and field events strength event. She could
throw a javelin farther than anybody on record, and she
just gave it all she had, which is how well
to live.
Speaker 1 (17:53):
Life, absolutely and whatever we do.
Speaker 2 (17:56):
So the fact that she has a museum here isn't
evidently a treasured secret because people have lost sight of that.
It's not really big, but it's a funny thing. When
you go over there. You need to know this. It's
a round building if you look at it from the air.
They made gardens that make it round, circles on either
(18:20):
side of it, two on each side. That's the five
rings of the Olympic emblem.
Speaker 1 (18:28):
The very thought provoking. Yeah.
Speaker 2 (18:30):
But it's full of videos and kiosk where you can
flip around and learn information and hear information, see her
in action. And she wasn't as you might guess, she
wasn't worried about too much about what she wore, but
she did have things that she like enjoyed being a
girl too. I've read one thing where she went to
(18:52):
get her National Athlete award and she bought a pink hat,
pink felt ooh, pink felt hat because wearing her high
heels the whole bit. So she knew how to be
a girl, but it just was inconvenient. You can't run
in high hills. We all know that. That's why we're
(19:14):
all we're in Tennessees today. But she did. The museum
is fabulous. There's a foundation that established it and they
still are have the foundation because they keep it running
and they get they I talk to the gentleman that
his staff that's over there is open every day of
(19:35):
the week except Sunday.
Speaker 1 (19:36):
Okay it is free.
Speaker 2 (19:38):
Yeah, let me sit again. Free y'all remember that word.
Speaker 1 (19:41):
Well, and what an encouragement if you have girls, if.
Speaker 2 (19:44):
You take your girls in there. That's what we're going
to try to do is get a lot of people.
I'm going to write the teams that are coming to
play lamar the girls teams that are coming to play softball, soccer, whatever,
and say while you're since you're coming, you've got a
bus us right, take the girls over and let them
wander through there and see what they can do.
Speaker 1 (20:04):
And see shoulders we've been able to grow on top
of because you know, it's because of what she did.
Speaker 2 (20:11):
She opened doors like you can't you can't even fathom
that it was ever as restricted. And it was not
too long after women got the vote. Put that in context. Yeah,
it wasn't too long after that when she was playing. Yeah,
she all she wanted to do was was the best
(20:31):
she could.
Speaker 1 (20:32):
So you guys have this celebration coming up. You were
saying that they're going to have the movie at the
Jefferson Theater in June. Do you have any dates or
information about what's going on on.
Speaker 2 (20:43):
That June twenty six, twenty seven, twenty eight. That week,
we will ask city councils to proclaim the we could
obabe for.
Speaker 1 (20:53):
Here for our area right and where.
Speaker 2 (20:57):
We haven't decided on exactly how the program's going to
can't name you a speaker yet because we're just now
getting this all lined down, but we are going to
have We're gonna put up signs and all the all
the locker room doors, for the doors to the gym,
you know that have we have a big picture of
the babe, And I want to remind the girls that
(21:17):
she did it for you. Yeah right, and she made
the fact that you even have your own dressing room. Wow,
you know you think that's automatic.
Speaker 3 (21:27):
Not, So.
Speaker 2 (21:29):
She got that for you. Yeah, and you can come
see who she was and know that even without a team,
she had no parental support. Her parents just said, I
don't know what she's why she's doing that, but whatever,
you know, we love her. She can still come home,
you know. But she did not know she had no training,
no weekends to go to big coaches to teach you
(21:53):
a new skill that goes with your sport, no travel
expense covered, no uniform. Yeah, she did a god out
there and hustled and she was She did amazing things.
Everything she entered. She won significant national even awards. So
(22:13):
we want to welcome all the athletes around to hear
the girls and their moms and dads to come down
and join us at the Jeffersons to celebrate as we
will also be there was a scholarship established in the
babes name and it was a little more university and
we're going to try to reopen that and make sure
(22:36):
that it is continuing to be available.
Speaker 1 (22:39):
For our girls.
Speaker 2 (22:40):
Yeah, if you've got any ideas, we'd love to hear
from anybody that wants to participate in this and help
us with it.
Speaker 1 (22:47):
So if any of you out there have thoughts or
ideas about this, I love this. I'm going to be honest.
I've not been to that museum, but now you have
encouraged me, and I want to go see And you
know what else SO want to do. I want to
bring my granddaughters. Yes, I want to bring them to
see it. My one of my three year old granddaughters
starts tea ball this year.
Speaker 2 (23:08):
Oh wonderful.
Speaker 1 (23:09):
Yeah, so as a kind of a little connection with that,
I'd love to bring both of them, but especially since
Hattie'll be playing tea ball, to kind of let her
see someone who pushed through and did that successfully.
Speaker 2 (23:24):
And could that could make a life out of it. Yeah,
without anybody helping her and telling her. The main thing
I think I got out of it when I read
through some of her books, the books about her, was
that she never let anybody tell her she couldn't. Yeah.
Speaker 1 (23:41):
Love that.
Speaker 2 (23:42):
I do too, because we spend a lot of time
said girls don't do that, girls don't sweat, right, Yeah,
we listen. Yeah, girls, don't. You're not gonna be kid,
You're not gonna be popular. That's not true. That is
not true at all. Ye.
Speaker 1 (23:58):
Well, and attracted success. Yes, we've seen that now, but
it wasn't then. But we do see that now. Yeah,
now you have.
Speaker 2 (24:06):
I'll speak as I said about my granddaughter. She's a picture. Yeah,
she dated baseball players and the first thing they did
was go to the to the hitting facility, and she
threw to them and they tried to hit her drop curve,
you know, and it was that makes you fall in love, evidently,
(24:26):
but they could they and then she would hit. She
would try to hit their their fastball, right. And it's
a little different when you're just forty feet from the batter.
There's the softball is to where you're six years eighty
feet out a little further for the guys, I can't
remember the number. But you make your own way in
(24:48):
that world. Yeah, And you learn a lot about self respect,
you learn about team play, and you learn that sometimes
you're not gonna win.
Speaker 1 (24:58):
Yeah, love it.
Speaker 2 (25:00):
Learning how to lose and walk away from it with amnesia. Yeah,
I don't have to think about that again. I'm going
to win the next one.
Speaker 1 (25:07):
But I'm going to learn from it. You learn.
Speaker 2 (25:09):
I know what I could have done better, and I'm
going to do it.
Speaker 1 (25:12):
And I'm going to do that.
Speaker 2 (25:13):
So that's a lot of what comes out of this.
That's what we I want personally for the girls of
our area, and I mean our big area. Anybody with
girls that are interested in any kind of athletics, we welcome.
Speaker 1 (25:25):
Them in all of Southeast Texas.
Speaker 2 (25:27):
Yeah and yes, And I learned a wonderful thing from
a friend here in town. There's something under the State
Education Act that allows you if you have just one
person who wants to represent the school in a sport,
you can get team status and your school will let
(25:48):
make sure you get to go to the tournaments to
be She was a swimmer and there wasn't a swim
team here locally at our high schools. And she's on
her committee. Wow, Lauren Mason. Yes, okay, and her watch
her daughter play basketball. Yeah, she is dynamite. She's gonna
(26:12):
be good.
Speaker 1 (26:13):
Well. I am so glad you came and shared just
a little history of Babe and encouraged us about the
Babe project. And I will definitely have you guys back
before June so we can finalize some additional information so
everyone can know although it's June twenty sixth, twenty seventh,
and twenty eighth, you have lots more coming.
Speaker 2 (26:34):
Yes, there's gonna be a lot of activity things can
We want to get the word out on people. What
I would like to do is get some footage of
everybody from t ball to coaches. Who you know Kim
Malky over at LSU, yes with an Olympic winner, and
she is the heck of a coach yea and she
(26:56):
she scares me. She knows how to get it done.
I would love to glean some comments from her. We're
trying to get some some video shot of girls and
playing every sport at different ages and show that before
the before we watch the Babes movie so they'll know
it's really about them. And but get you get this,
(27:20):
even if you're just one person, y'all to hear you
have to hear the story about how Lauren represented her
high school and and won some events as a swimmer,
and she was recognized as an area champion because there
wasn't anybody else to argue with her about it. She
(27:43):
laughs about that, but she was her own person. And
that's what we want for our girls.
Speaker 1 (27:49):
Yes, right, my granddaughter and my granddaughters and your daughters. Yeah. Well,
we are so thankful that you were here to share
a little bit of that with us. And if you
have not gone out to see the Babe Didrix and
za Haarius, what is it?
Speaker 2 (28:09):
It's a museum, museum it is. If you know where
the soccer fields.
Speaker 1 (28:13):
Are and there's the big plane there too.
Speaker 2 (28:16):
M Yeah, that's how you spot it, yep. But take
the exit off of I ten going toward Lake Charles.
You get off if you go to the soccer fields
and it's right there on the grounds and it is open.
It is. It is your museum, girls, yep.
Speaker 1 (28:31):
And we need to get out there and see it.
So if you have it, today's a beautiful day to
go do that. Go out there and take a look
at that, and we'll be sharing more information about the
Babe project that's coming in June. Okayky, so exciting. If
you want more information about that, reach out to my
office and I will connect you with the the people
who are getting that Babe project together. You may have
(28:53):
some great ideas that you want to share, so give
us a call and let us get you connected with
Nancy and with all so with Paula Bothey, who are
they are working on this? When we come back, we
are going to visit with our sarceto and we are
gonna talk about is now the right time for you
to buy? And how does a credit score impact if
(29:13):
it is the right time? Don't go away. This is
the Dana Simmons Show. Welcome back. This is Dana Simmons
and we have so enjoyed having Nancy Boyu on the
show with us talking about the Babe project. If you've
never been out to the Babe Museum there on Interstate ten,
it's right near the MLK exit. You'll see it right
(29:33):
there on the let's see, that's the north side of
the freeway. If you're heading towards Louisiana. I'm gonna take
my grandkids there. I have not been there. You know,
why is it that where we live we don't take
advantage of the amazing facilities that we have here. You know,
(29:54):
there are so many different things that we have to
do here, and yet we think we have to go
out of town to visit museums, to visit the parks
or whatever it is, when here in Southeast Texas, we
have such a large variety of things that you can do.
I'm thinking about, you know, Tyrrell Park, it is beautiful
(30:15):
and amazing. I'm thinking of Cattel Marsh and all that
it offers. I'm thinking about all of the museums both
downtown Beaumont as well as throughout our area. The Big Thicket.
You know what a beautiful area we have right there
in Hardin County with the Big Thicket. So if today
you're sitting at home wondering what to do, there are
(30:36):
lots of things to get out there and enjoy and
be able to take your family and it's free.
Speaker 3 (30:41):
You know, it's one of the important things, especially if
you have lots of kids or whatever it might be.
There's those activities for you to come go and do
locally where you don't have to spend an arm and
a leg to go do.
Speaker 1 (30:52):
Them absolutely well with us is our Lette Salcedo and
our let. You and I were visiting the other day
and one of the top that I visited with you
about was just to say, hey, let's talk about how
does your credit score? How does that play a role
in the home buying process? And I thought, let's kind
(31:13):
of share with people. What does that mean. I know
some people think, oh, my credit score is way too low,
I can't get a loan, or it has to be
a certain place in order for me to get a loan.
Talk a little bit about how those work together.
Speaker 3 (31:25):
Yeah, So, while credit does play an important role in
the mortgage process, it doesn't have to be perfect. So
you don't have to have the best or the highest
credit score in order to qualify for a mortgage. I
will say that it does have a lot to do
with the programs you're eligible for, has a lot to
do with your interest rates that ends up being or
any down payment assistance that may you may need. But
a lot of the times, just because you're unsure of
(31:48):
what your credit score is or because you might think
it's on the lower end, it's always best to consult
with someone because there are some programs that can let
you go as little as a five eighty credit score,
six hundred six twenty and all of those numbers. Just
to say, it will depend on you know what programs
and what things you're actually eligible for, But you never
(32:10):
know what your credit score. If you unsure of what
your credit score is, or if you feel like you've
had some major derogatories on there. It's always best to
consult with someone because we can also help guide you
on what you need to be doing to bring that
credit score where you need it to be for whether
it be the program you need to qualify for or
just to kind of better it so that we can
get you eligible for something or to qualify for something.
Speaker 1 (32:32):
Yeah, and that's the key is that you're able to
once you look at that say okay, guys, here are
some of the steps you need to take to improve
that score, and here's the amount of time it typically
takes for that to happen. And so you do educate
people on that, right.
Speaker 3 (32:48):
Yes, we do educate people on that, especially because it
is so important not only for your home buying process,
but whether anything that you're going to finance. One of
the biggest things whenever we're looking at credit is going
to be making sure you don't have any recent derogatories,
because recent derogatory or recent late payments, recent mispayments, those
are going to be the highest thing to contribute to
(33:10):
your credit score and what'll bring that credit score down.
One of the second most important things that you have
to look out for is going to be your credit
card utilization. So we typically say, you know, try to
stay below thirty percent of your overall credit utilization, not
just on the one card, but on the commutative balance
of all cards combined. So try to keep that below
(33:31):
thirty percent.
Speaker 1 (33:32):
So what you're saying there and want to clarify is
that for all your credit card debt, you want to
make sure that that is thirty percent are less correct.
Speaker 3 (33:42):
Okay, And thirty percent or less is usually what we
recommend so that you can have a better credit score overall.
Some people think, oh, if I pay my cards off completely,
then that's going to help me even more, which you
would think, you know, yes, that is going to help
me more, but it's actually sometimes best to try to
keep it within ten percent, and that's going to give
(34:03):
you the best credit utilization rating as far as credit
cards go. So if you have a statement and you're like,
you want to pay most of it down, I would,
But if you're about to get your credit pulled, try
to leave ten twenty dollars on there so that it
actually gets it's like a trick, so that you can
get like a ten to twenty point difference on your credit.
Speaker 1 (34:25):
Yeah, it's amazing that those little things make a difference,
and it doesn't in my mind, it doesn't make sense,
but in the credit world, it does make sense. And
one of the things that I want to talk about
when we come back, because we're going to come back
and talk for just a minute more about this, but
one of the things I want to talk to our
(34:45):
listeners about is getting your high school student a credit card. Yes,
And so when we come back, we're going to talk
about why that's a good idea and what you may
want to consider if you're doing that. So don't go away.
This is Dana Simmons with Dana Simmons Show, Welcome back.
I have been joined today by Nancy Bullyu, who gave
(35:08):
us some great information about the Babe Project and the
Babe's Ahirious Museum that we have here locally. If you
didn't get a chance to listen to the first part
of the show, it'll be posted on the iHeart website
as a podcast. So much good information about the Babe
and they have that project coming up June twenty sixth
(35:30):
through the twenty eighth. It's going to be known as
the Week of Babes. So we're super excited to learn
more about that in the weeks to come. Also wanted
to give you guys information about the Beaumont Chamber of
Commerce Economic Development Luncheon and Industrial Show that's coming up.
That's going to be Thursday, February thirteenth. That's going to
be at dogget Ford Park and that luncheon is going
(35:53):
to be eleven to one. The luncheon is going to
be catered by seventeen oh one Barbecue, Corville's and also
Ford Park. And if you are curious about the economic
impact of the industry and how that is going to
impact all of Southeast Texas or some of the carbon
(36:14):
capture and what is all of that, and you want
to be a part of hearing that that is cutting
edge information that is going to give us so much
of a shot in the arm for Southeast Texas and
what is going to continue to grow our economy. Come
here from our industrial panel. It's going to be Carry Phillips,
the plant manager at Chevron Phillips Chemical Company. It's going
(36:35):
to be Cody Mace, who is the plant manager of
Phillips sixty six. Bobby Tupper, the president and CEO of ISTC,
and the executive director of the Southeast Texas Plant Manager's Forum.
We're also going to have an ex On Mobile representative
and going to have great information on the economic impact
(36:56):
the industry has on the Southeast Texas area. Love for
you to join us. Also with us is our Let's
Sorcedo so ar Let. Let's talk a little bit about
why would you want to give your high school student
a credit card?
Speaker 3 (37:13):
Oh, it's so important for them to learn at such
at a young age, especially whenever they're in high school.
You know, they're they're out there, they might be driving,
they might be doing things by themselves at this point.
One of the first tips I tell if you're younger
and you want to go ahead and start establishing credit
is going to try to be to get a shared
secured credit card. And a shared secured credit card is
(37:35):
when you put your money up front as a deposit
almost and we extend you a line of credit for
that amount, whether that be three hundred, five hundred dollars,
whatever it is, and then you're extended that credit card
for that limit, and then you make payments on that.
So that's one way where they can get that started
and get boosted on. Okay, knowing what credit is and
being responsible for their own credit. Another option that people
(37:58):
aren't as familiar with is going to be if you
have someone like your parent and they wanted to add
you as an authorized user to their card, Well, you
start establishing credit since the date that card was open,
so you get all of the credit history from that
parent that had that card. And I say that as
an option too, just so that they can have it
if it's needed, but so that they can kind of
(38:19):
start building their own and having a sense to what
credit is. I would say the shared secured credit card
would probably be best just to kind of give them
insight and start letting them be responsible for their credit,
but to boost their credit score up a few more
points than adding them as an authorized user to one
of your credit cards. That's soup, That's key.
Speaker 1 (38:39):
Such a great idea, And I never knew that, so
didn't have my kids on that, but I sure wish
I would have. It would have taught them about credit
while they're under my roof, as well as be able
to build that credit for as they get older for
the things that they're gonna need. They're gonna need credit.
I mean, it is just a part of live when
you go to rent it. Apart anything, whenever you go
(39:02):
to buy a house, most things you are going to
have to have some sort of credit score. And so
for some people it's like, how do I build credit
when no one will give me credit? Well, this is
a phenomenal way for students and young adults to be
able to begin to grow that credit.
Speaker 3 (39:18):
And it is, and it's possible because I don't have
kids old enough to, you know, have credit cards. But
I have a brother and he lived with me when
he was sixteen seventeen eighteen, and whenever he lived with me,
I taught him about credit and I said, hey, I'm
going to add you as an authorized user to my card,
but we're going to get you one as well. The
one that I'm going to give you. That one is
to be used in emergencies because those might have different
(39:41):
credit limits whatever it might be. So you don't want
to hold them responsible for that, right, But I told
him these are this one is for emergencies only. Your
other one you're responsible for. We're going to log in
and we're going to see what balance you recruit, and
we're going to make payments on that.
Speaker 1 (39:55):
Yes, on whatever. Great way to teach and learn now
how that relates to when they want to buy a house.
One of the things that people think is they have
to have perfect credit to be able to purchase a house.
And while it is a very important credit is important,
it doesn't have to be perfect. That's right.
Speaker 3 (40:13):
It doesn't have to be perfect, especially when you get
with someone who really understands what you're needing and which
programs are out there, and you qualify for credit score,
debt to income which is a fancy way of saying
the amount of debt you have versus the amount of
income you may down payment. All of those items are
going to contribute into you being able to purchase your home.
(40:36):
Credit score being one of the most important for interest
rates and program eligibility, but super it does super important
that you know that it doesn't necessarily have to be perfect.
Speaker 1 (40:45):
And what are some of those programs that allow you
to have a little bit lower credit score but still
get into a home.
Speaker 3 (40:54):
So we have at First Financial Bank and Affordable Home
Mortgage program that allows you to have a little bit
of a lower credit score or maybe not as established
credit score. And then there's FAJ loans. FAJ loans are
designed for first time home buyers, so keeping in mind
that they allow maybe lower credit scores with a better
(41:15):
interest rate and more options for you to get more
closing costs assistance and then also.
Speaker 1 (41:23):
Hi less down payment were closing costs systems less cash
needed at closing. Well, if someone is interested in sitting
down and visiting with you about their credit score and
what they may qualify for, how would they get in
touch with you?
Speaker 3 (41:39):
They can always contact me at four oh nine four
seven four one five zero three. They can also email
me at a salsato at f fi N dot com.
And that's a sauce like tomato sauce do at f
fi N dot com.
Speaker 1 (41:54):
That's how I always try to spell your name. The
minute I write your name down, I have to think
sauce do yes. It makes it easier, makes it so mucheezier.
I'm so glad you came up with that. Well, we
want to say thank you so much our litte for
joining us today kind of educating us a little bit
on the fact that your credit score does not have
to be perfect. While credit is important, perfection isn't necessary
and allowing someone to come sit down and visit with
(42:16):
you to talk through Okay, if it isn't the right
credit score. What do we need to do to get
you to that right score? And the fact that you
will help them and guide them through that process to
get them and I've seen you do that over and
over and over and it's so helpful. Wanted to also
say congratulations on the new baby. Exciting things coming your way,
so exciting. Just a reminder that our office is open
(42:39):
today till eight o'clock. You're welcome to give us a
call at four nine eight six six eight three two six.
You can always go to Dana Simmons dot com or
Dana Simmons real Estate dot com and we will have
all of the properties there for you to view and
you can make an appointment to sit down and visit
with us. I have enjoyed having you at this with
us on the show today with Nancy, BULLYU and the
(43:00):
Bull on the Babe Project. We look forward to seeing
you tomorrow, not tomorrow, next week, next week. Can't do
this every day, just every Saturday at noon, so we
look forward to seeing you back here next Saturday at
noon on the Dana Simmons Show. Have a wonderful, beautiful
Saturday
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