Participants: Ryan Mack (Host), Yvonne Lewis (Host)
Series Code: DAS
Program Code: DAS000002A
00:26 Hello, and welcome to Dollars and Sense.
00:29 My name is Yvonne Lewis, and I'll be the
00:31 co-host for this program.
00:33 Our primary host is Ryan Mack, Financial Literacy expert.
00:37 Ryan, it's a... Great day today.
00:39 Hey, you know what?
00:41 It's such a great blessing to be able to co-host
00:44 this program with you. Always!
00:45 Yes, yes, yes. Do you have a Scripture for us?
00:48 Yes. Well, the theme of the day is Death to the Hookup.
00:50 You know how it is when somebody goes into a friend's store
00:53 and all of a sudden they say, You know what? I think that
00:55 I would like a discount on this product or services.
00:58 Well, the Scripture actually speaks to Death to the Hookups,
01:02 so let's hear what it says here. Okay.
01:04 Jeremiah 22:13 says:
01:20 Um! Okay? And then 1Timothy 5:18 says:
01:36 And I think these Scriptures really outline when someone
01:41 walks into an establishment, and they walk into a store,
01:43 and they want to automatically ask for a discount.
01:47 There's so many things that goes into someone
01:49 starting a business.
01:51 And I am a huge advocate of our small business.
01:53 There's nothing more important for the economic viability,
01:56 outside of God, than the success of our small
01:59 businesses in our community.
02:00 And as soon as you want to give them free services,
02:04 and without at least asking for a, providing a barter or an even
02:08 exchange, what you're doing is you're taking the lifeblood
02:11 right off the table of our small businesses.
02:12 You know, it's so funny you'd say that, because there's just
02:16 this automatic assumption, like if you start a business,
02:20 and I know you, and I go into your business, my first thing is
02:25 like, like, we're like... We're here like, you know,
02:29 can you give me the hookup? Right.
02:31 But that's really, it's destructive to the business.
02:36 And it's not fair. Uh huh.
02:37 You know, we tend to want that hookup.
02:41 Right. And I remember the first time when I started my financial
02:44 planning company, and a friend of mine asked me to,
02:48 Hey, Ryan, can you come to a speaking engagement for me?
02:51 And I said, Yes, sure.
02:53 I wouldn't mind going out there and doing a speaking
02:55 engagement for you.
02:57 But I was just starting out.
02:58 I didn't have a lot of money at the time.
03:00 And I'll tell you, it was really hard times.
03:02 But I thought the speaking engagement was right next door
03:05 pretty much, but actually I had to get on the train,
03:07 and I had to pay, but I couldn't afford to pay.
03:09 And so I asked him, I said, Well, would you mind paying me
03:13 for my services, because I'm actually
03:14 educating your individuals.
03:15 And he just refused to do it, and got so offended.
03:18 And I remember that I actually was struggling at the time
03:23 to actually keep food on my own table.
03:26 I was struggling to pay the rent.
03:28 I was struggling just to make it by.
03:30 And here he is asking for me to do something free.
03:33 And there's so many business owners that are out there that
03:36 are going through the exact same thing right now.
03:38 They have a dream, they have a mission, they have a vision.
03:41 I mean this is where we should have 3ABN Network.
03:43 It was a dream, right?
03:45 It was a mission. It was a vision.
03:47 And of all the things they have to do,
03:49 all those things cost money. Exactly.
03:52 And so I guess we have a video that I'd love to just check out.
03:56 I was actually at a small business expo.
03:58 And we, I like doing a lot of things for the community.
04:01 So we gathered over fifty businesses, and we got a lot
04:04 of banks together to just have businesses to be able to just
04:07 display what they're selling for the community
04:10 in products and services.
04:11 And I had a chance to ask them, How do you feel when someone
04:15 asks you for a hookup?
04:16 And you can check out what they said here.
04:18 Then let's take a look.
04:21 How do you feel when people ask you for a
04:23 hookup of your services?
04:25 Unless we're going to do an even exchange
04:27 or barter, don't ask me.
04:28 And so the hookup is really for us is come to an end.
04:32 And if you can't purchase what we have written we don't sell.
04:38 How do you feel when people ask you for a
04:40 hookup of your services?
04:41 I don't feel like people should get a hookup, because if you go
04:45 to Ticketmaster, Byantha and I give you a hookup on our
04:47 tickets usually, or Jay Z.
04:50 So, I feel like if we can pay her prices for those concerts,
04:53 you can pay the price to support a local business.
04:56 Do we have a problem in our community with not wanting
04:58 to pay full price for products and services?
05:01 Yes. I mean sometimes we want to get the hookup on everything.
05:05 And we want ten percent off.
05:06 And, you know, we can maybe do a sale sometimes,
05:08 but always getting a hookup, you have to spend your time
05:11 and your material to actually make these things.
05:13 So you should value the persons as actually, business that
05:17 you're actually shopping at.
05:19 I don't think we have a problem paying full price,
05:21 because we will pay full price for things that
05:23 we deem have value.
05:25 And I think that we need to make sure that we value each other's
05:28 business just as much as we would value anyone else's.
05:30 So we don't have a problem paying full price,
05:33 we just might need to make sure that we value the business
05:36 of our community just as much as we value the
05:38 business of those outside.
05:40 No, no free products.
05:41 If we want to see a comeback of the city, if we want to support
05:44 small business, if want to shop local, and we think shopping
05:47 local and small business is a good idea, than our purchasing
05:51 decisions need to reflect that.
05:52 And we need to pay full price for the products that these
05:56 small businesses are selling.
05:57 Because we need to see the whole picture.
05:58 Sometimes it's an even exchange.
06:01 As long as there's an even exchange.
06:03 Sometimes that may or may not be money.
06:05 But as long as it's an even exchange, a fair exchange.
06:08 How do you feel when people ask you for a hookup of the products
06:12 that you're selling?
06:14 I feel like my products and my time are devalued.
06:18 I feel like if you can't afford it at the prices that I've
06:22 determined are fair value prices,
06:26 then my products aren't for you.
06:28 We need to realize that a lot of sweat equity goes into
06:31 making those products.
06:32 And that small business owner, because they've taken that risk
06:36 to run that business, to make that business,
06:39 they've gone out on that ledge.
06:40 Then we need to support them by paying full price for the
06:44 products that they're selling.
06:46 And not kind of cheapening what they're doing by saying,
06:53 Well, let me have the hookup here.
06:55 You know, I'm going to go a little bit, No, you didn't!
06:57 Let me tell you how devaluing that is.
07:00 When you ask for a hookup what you're saying is that,
07:02 I want to degrade your services, take you down in price,
07:05 take food off your table, and get it for free.
07:07 You know what? I can't do it.
07:10 I can't call DT and ask them for a hookup.
07:12 I can't call Michcon and ask them for a hookup,
07:15 because they have to pay their bills.
07:17 I have to pay mine also.
07:18 And it's a lot of things that have to be done.
07:20 There's a lot of things behind the scenes that most people
07:23 don't even know about to get to the closing table.
07:26 It's not just getting the offer accepted,
07:27 it's getting the offer closed.
07:29 And that span of time in there is a lot of time and effort
07:33 that we can't do for free.
07:36 So we earn every dime of our money.
07:38 So there is no free.
07:41 How do you feel when people ask you for a
07:44 hookup of your services?
07:45 I feel a little uneasy most of the time.
07:48 You know, when people ask for the hookup, to me that's,
07:51 they're not serious.
07:52 They're not committed.
07:54 How do I feel? I feel devalued.
07:56 I feel like my fifteen years of expertise, and training,
07:59 and education is not of value to them.
08:02 So I think as a community, one of the things I would like to
08:06 see is we learn to collaborate and support one another.
08:09 I'm okay with a barter.
08:11 I'm okay if we're all moving together, and we exchange
08:14 services, and we're all looking to support one another.
08:17 When I say the word hookup, and discount, that people are
08:20 trying to ask for services in our community,
08:22 of our businesses.
08:23 How does that make you feel?
08:25 Oh, it makes me feel a little conflicted, because, you know,
08:28 it's great to hook up your friends,
08:29 and people that you know with deals or discounts,
08:32 but the end of the day it is a business, and you have to think
08:34 about your business.
08:35 So the way I would kind of rephrase that is reward loyalty.
08:38 I think turn that into a loyalty program.
08:41 You know, the punch card.
08:42 The rewarding someone who's a consistent visitor.
08:44 If someone's just going to come into your business one time,
08:46 get a hookup, and then never see you again, that's not good.
08:50 However, if you're going to be a returning customer,
08:51 who's going to come to my business, tell your friends
08:53 about my business, bring me more business, I have no problem
08:56 giving you kind of a hookup on the front end if it's going to
08:59 mean dividends on the back end.
09:01 First of all, sometimes they not only ask for a discount,
09:03 but they ask for my services for free.
09:05 So what it makes me feel is that they don't value my services,
09:08 and value the intellect, or the experience and the knowledge
09:11 base that I bring to...
09:12 It makes me feel cheap.
09:14 That's what it makes me feel.
09:15 Would you do that at McDonalds?
09:17 Would you do that at Walmart?
09:18 So why do it to us when we're trying to
09:20 come up as a community?
09:21 How do you feel when someone asks you for a
09:25 hookup of your t-shirts?
09:27 I feel that the person shouldn't ask for a hookup.
09:31 They should understand that I have bills to pay.
09:34 They should understand that I have mouths to feed.
09:38 But most importantly they should understand that what I'm really
09:42 trying to do is better uplift the community.
09:45 You can't better than uplift the community by
09:49 giving everyone a hookup.
09:51 And so they should invest in themselves by really investing
09:56 in black businesses, and investing in small businesses.
10:00 Because the only ones that will be able to improve
10:04 our communities is us.
10:06 So don't look for a hookup.
10:08 Help me improve the community by spending your
10:11 money in the community.
10:15 Okay! I think it's very interesting that the one thing
10:20 that they all pretty much said the same thing was value.
10:24 They want to feel valued.
10:27 And bottom line is the small business community has a
10:31 tremendous amount of value.
10:32 If you think about all of the things that we
10:35 interact with daily; you know you go to the barbershop
10:38 how many employees does that have?
10:40 You go to the dentist.
10:42 How many employees that you go to a restaurant?
10:43 Maybe thirty tops for the larger businesses.
10:48 And all the way down to your local pharmaceutical stores,
10:52 to your local bakeries, to your...
10:54 All of these businesses have one hundred employees or less.
10:58 And these are the small businesses that essentially
11:00 create seventy percent of our economy is consumer spending.
11:04 So if we?... And where are they going to spend their money on?
11:08 And if we take away the business there's nothing to spend their
11:11 money on, there's nothing to build up the community.
11:13 And as we've said, poverty and crime are positively correlated.
11:17 And there's nothing... One of the best ways to fix poverty
11:20 in our communities is by helping the small business to recover.
11:22 And we need to support them.
11:24 Absolutely. It's interesting to me that everybody in the video
11:29 had had some kind of experience with someone
11:32 asking for a hookup. Right, yep.
11:34 And so I think it's, you know, the natural inclination,
11:38 I think is to say, Okay, I know you, you know, hook me up.
11:42 But really we need to really be thinking about how to help
11:46 each individual that's in small businesses, so that we can
11:50 support them, and just like the man was saying at the end,
11:54 that helps the community.
11:56 We help the small business, it helps the community,
11:58 and everybody benefits.
12:00 The Bible also says, Freely you have received,
12:02 freely you shall give. Uh huh.
12:04 And a lot of times what I've heard, and in my opinion
12:07 wrongfully so, was individuals will say, Well, businesses
12:10 should want to give, you know.
12:12 Well, how about we turn that around?
12:14 As opposed to saying, How about they give to us?
12:15 How about we give to them? Nice!
12:17 How about we support them?
12:19 How about we give to them?
12:20 And they do give a lot.
12:22 You know, the word clearly says the laborer is
12:25 worthy of his reward.
12:26 Do not muzzle the ox that treadeth out the corn.
12:30 I mean this is very scriptural, so I've actually provided some
12:35 very tangible tips, very basic tips for the community that I
12:39 would like all of them to follow.
12:41 And I think that the first thing is the small business
12:45 support model, okay?
12:48 So a series of questions that everyone should be
12:51 able to ask themselves.
12:53 When someone comes up to you and says, Hey, here's a
12:56 product or a service.
12:57 So if someone comes up to you and asks for a product or
13:01 service the first thing you need to do is say, Okay, do I need
13:04 this product or service?
13:06 And if the answer is no, then the first thing you should do
13:12 is then refer them to two people who could need that product
13:16 or service. Uh huh.
13:18 If the answer is yes, you need to ask yourself another
13:22 question: Is this product or service worthy of my support?
13:28 If the answer is no, the first thing you need to do is talk
13:33 to that business owner, and give them constructive criticism.
13:37 One of the best things that ever happened to me when I started my
13:39 business was Yvonne Gordon.
13:43 She gave me some of the harshest criticism when I was
13:48 selling my life insurance.
13:49 And I was very green.
13:51 I had got my license.
13:52 And it took forever to take their underwriting,
13:54 and so she ended up taking her business elsewhere.
13:56 And she told me exactly why she did it.
13:57 And it was harsh. Really?
13:59 And I tell you right now, that was one of the biggest blessings
14:03 that I ever received. Tell us why.
14:05 Well, when she essentially told me about myself,
14:10 I'm not going to sit back and say I felt good about it.
14:12 I'm not going to sit back and say I didn't mumble some few
14:15 words under my breath.
14:16 That you had to repent for later?
14:19 That I had to repent for.
14:21 But you know what? It was the biggest blessing in the world,
14:23 because it told me, and it made me know exactly what I needed
14:27 to do to fix whatever was wrong with my business.
14:30 And we don't do that enough for our businesses.
14:32 That's right. That's another Biblical idea, or principle,
14:35 that correction, dealing with correction, and correction is a
14:39 positive thing, especially if it's done, you know, if we take
14:45 it properly. Right.
14:46 Fools are the ones that disregard correction.
14:50 That's true. So you took the correction, and it actually
14:54 improved what you did.
14:56 I ended up going out and I hired somebody.
14:58 I hired a good friend of mine to this day, Christina Hodges.
15:02 And she was in charge of pushing our products
15:06 through underwriting, and making sure all the policy and the
15:08 paperwork was done in an expeditious matter.
15:10 But had not Yvonne taken that time to do that for me,
15:13 I'd have been... I would have never been able to correct it.
15:16 And so many times as opposed to giving constructive criticism
15:20 in a public place like Yelp, or some place where everybody's
15:24 going to see it publicly, talk to the business owner.
15:26 Talk to the individual and say, Hey, you know what?
15:29 Your service was a little bit slow.
15:30 You know, there was a restaurant in my neighborhood where
15:33 we actually helped him.
15:34 We got him, we invested, and pulled our money and got him a
15:37 business mentor, because his service was just awful.
15:40 But he was a community based restaurant.
15:42 We wanted to see him be successful.
15:43 Because of when in our businesses we have to have
15:45 ownership of these businesses.
15:47 So if the answer is no, then give them
15:50 Constructive Criticism.
15:51 Now if the answer is yes, and you say you can, this is worthy
15:55 of your support, then if you have the money, buy the product
15:59 or service, and if you definitely need it.
16:01 So these are the simple model that simply says, Let me just
16:07 make sure that we can do all we can that every single person
16:10 that comes in front of me, that we find a way to support them,
16:13 whether it's through a referral, or constructive criticism,
16:16 or purchasing the product, or any other way that we
16:21 can to support them.
16:22 Maybe we can give income services.
16:24 A lot of individuals do that all of the time.
16:26 I just say, Look, I can't afford your services.
16:28 I value your business, but let me see what I can do
16:31 to help support it.
16:32 Maybe I can volunteer, maybe I can refer some interns for you.
16:35 Whatever we can do to help support.
16:37 So that's the small business model.
16:40 Another thing that we like to do, and it's a good tip for
16:43 small businesses is to have a customer loyalty program.
16:47 I think Devin in the video here talked about it where, yes,
16:52 you can give a hookup if that customer is loyal to you.
16:57 You go in and you see it all the time at various
17:00 sandwich companies.
17:01 You have ten sandwiches, you buy ten I'll give you
17:04 the eleventh one for free.
17:05 So these types of things that allow you to
17:08 simply build loyalty.
17:09 And if you see these businesses, or customers that are coming
17:13 into your shop frequently, and they're bringing other
17:15 people in there, then those are the people that you
17:17 need to also invest in.
17:18 Because they are essentially doing your job.
17:20 They're marketing for you.
17:21 And then lastly, and a great tip for business owners that's out
17:25 there is get involved in educational marketing.
17:28 I like to call it benevolent marketing.
17:30 This is where it was great for my business when I started it,
17:33 because the main thing I did as a financial adviser was
17:35 teaching, and educating, and getting out there.
17:38 And every single time I could, get into the community, teach,
17:42 provide free workshops, provide free programs, free services.
17:45 I wouldn't give the entire power away, but I would give a little
17:49 nugget to say, Here's just enough about financial literacy
17:52 that if you want to give additional services,
17:54 that you can come back and you can pay for additional services.
17:58 And so a lot of restaurants might provide cooking classes.
18:01 Or legal services, or lawyers might provide
18:04 free lawyer legal tips.
18:06 Find different web sites.
18:07 You can blog, you can blog on many different websites.
18:10 Or you can write, and that gets your name out there.
18:12 Social media is a great time to get your name out there.
18:16 It markets you for free.
18:18 And individuals learn about your services.
18:19 And when they come to you, consumers, again,
18:21 make sure you pay full price.
18:23 You know, I'm sitting here listening to this,
18:26 and this is such great information, because so many
18:28 people either you have a small business,
18:32 or you are a consumer of that business.
18:37 And so you don't just go to the business,
18:40 you support the business. Right.
18:42 I think that is such great information. Right.
18:45 It really, really is.
18:46 I mean it's a circular level of support, right?
18:50 You have the, it's again seventy percent of GDP
18:53 is consumer spending.
18:55 And for those who don't know what GDP is?
18:57 The Gross Domestic Product.
18:58 Of all the things that we produce in this country
19:00 seventy percent is what other individuals are spending their
19:03 money on every single day.
19:04 And so when you buy water, or food, or clothing,
19:10 all of that goes into Gross Domestic Product,
19:13 and that essentially churns this economy.
19:15 So we have to 1, and this is why Dollars and Sense is very
19:19 important, is make sure that our individuals are being fiscally
19:22 responsible; that they're spending their
19:23 money in the right way, and circulating their dollar,
19:26 and generating more dollars for themselves.
19:28 But then when they start to spend that money,
19:30 where do they spend it?
19:32 And it's usually in their local community.
19:34 Again, a lot of civil rights activists have really advocated
19:38 for, and Malcolm X said it.
19:40 The community in which you spend your money
19:42 becomes richer and richer.
19:44 And the money in which your community is left out of
19:46 becomes poorer and poorer.
19:48 So we have to really be cognizant of making sure that
19:51 if we're going to spend our money, we support those
19:53 businesses in our own community to make our dollars circulate
19:57 effectively, because in many cities around this country:
20:00 Detroit, Chicago, urban areas, and rural areas in Appalachia,
20:04 they all have small businesses that are just trying to make it,
20:08 just trying to have an idea, just try to get a leg up.
20:11 So we've got to support them and make sure we get a viable,
20:14 long term, and sustainable economic recovery.
20:16 That's great advice.
20:19 And so it's not just about your own self-interest,
20:23 it's also investing in the community that you live in.
20:27 Right. They're serving the community.
20:29 They have the service.
20:30 If you don't like it you say something. Right.
20:32 If you like it you say something. Right.
20:35 I think you should reinforce the good, and I think you should
20:38 also give constructive criticism. Exactly.
20:40 And then also we have to feel responsible for our brothers
20:46 and sisters, who are just trying to do better. Right.
20:50 So I think all of that, just supporting local businesses,
20:55 is so important, because in so doing, our communities get
20:59 economically viable. Uh huh.
21:01 And that's what we're really aiming at; trying to help others
21:07 to just reach their goals.
21:09 And that's a Biblical, that's a Biblical principle, too.
21:11 And the thing is, you know, we just, when we watch the news
21:16 and it seems as if, and not to make it a political discussion,
21:20 but a lot of emphasis has been placed on politics lately.
21:23 Oh yeah. And for the last two or three years, and even longer
21:28 than that you're seeing this politician, or that politician,
21:31 and, you know, the essence of politics is a servant position.
21:35 The politicians job is to be a servant for the people. Right.
21:39 Well, the businesses job is to make sure when you start the
21:43 business you need to serve yourself as well as the
21:45 surrounding community as well.
21:47 So it really is more of an empowerment perspective,
21:49 that if you can support your businesses, it is direct
21:52 it is tangible. If you vote for someone they may, or may not
21:56 abide by what you wanted them to do.
21:57 You never know. But if you can support that small business,
22:00 you know it goes right to the bottom line.
22:02 You can look and see the people that they've hired.
22:04 You might have a son or daughter that works in
22:06 that small business.
22:07 You might have some individuals who you know.
22:09 And you go to that small business.
22:11 It provides a viable place.
22:12 You know they're spending money in the community.
22:14 I have a good friend of mine, Chef Don in Detroit, he buys all
22:19 of his local produce from people who grow organically, locally,
22:23 in the Detroit area. Nice!
22:25 So it becomes a local... again the dollar starts to...
22:28 You can see it! It's a very visible perspective of a dollar
22:33 circulating effectively.
22:34 And every single time that dollar circulates from one
22:37 business, to one person, to the next person, it becomes a more,
22:41 and more of empowerment.
22:42 So as soon as you say, You know what?
22:43 I don't want to spend full value.
22:45 I don't want to pay full price.
22:47 That dollar removes itself from the ecosystem of the economy
22:51 in your local community.
22:53 And you're essentially taking food off the table from not only
22:55 that business owner, but eventually yourself, because,
22:57 again, you're taking away the empowerment of that economic
23:00 base of that community.
23:02 So we've really got to be cognizant
23:03 of every single decision.
23:04 And we should be supporting them,
23:07 marketing, cheering for them.
23:09 And there's no need for competing of one another.
23:13 We have to complete one another.
23:14 Ah, nice! So we have to really be supportive of our...
23:16 I mean I'm the biggest cheerleader when it comes
23:18 to small businesses.
23:19 I love that. It's not about competing.
23:21 It's about completing. Exactly.
23:22 That's beautiful. Now we are not talking about small businesses
23:27 like your local liquor store, or your...
23:29 We're not trying to support that kind of local business,
23:33 so don't get us wrong.
23:34 We support according to our values.
23:39 Yes, absolutely. It's a point well taken, there are businesses
23:43 out there, liquor stores, weed refineries, check cashing,
23:47 payday loans, cash advances, pawn shops.
23:51 All of these are businesses that essentially are
23:53 exploiting the community. Right.
23:55 So supporting those businesses are essentially taking money out
23:59 of the economic viability, and long term
24:02 sustainability of that community.
24:04 So we've really... You're right, you really have to be diligent
24:06 about making sure that that business has the best interest
24:09 of your community at heart.
24:10 That's right, that's right.
24:12 Biblical principles we can apply in every situation.
24:16 And just know that that's the best way to go.
24:20 Absolutely, absolutely. Best way to go.
24:22 And the bottom line is we are in such a challenging time
24:25 economically right now.
24:27 And, yes, we have to support our businesses, but we have to
24:29 learn how to create our own business.
24:31 I mean, the word says all things are possible
24:33 for those who believe.
24:34 And what we have to believe is the majority of S&P-500 were
24:39 formed during times of economic recession.
24:41 So the largest companies in this country were formed in times
24:45 of the hardest economic times.
24:47 So what we have to really understand is that when we look
24:51 at all these trials of tribulation, the beautiful thing
24:54 about God is that He's just so merciful.
24:57 He's just so great.
24:59 He has so much grace and mercy on what we have.
25:01 When you look around and see all of this need,
25:02 what do businesses do?
25:05 We fulfill need. So the more needs you have,
25:08 the more opportunity you have to fulfill the need
25:11 that actually exists.
25:12 So I have a lot of good friends who actually created businesses
25:15 out of these economic times.
25:17 We had individuals who created businesses for veterans,
25:19 because they had higher homeless rates.
25:21 We had individuals who created businesses for those who were
25:24 formerly incarcerated, because levels of
25:25 incarceration went higher.
25:27 I actually wrote a book, The Stop and Frisk Handbook.
25:30 And I sold that and created a business in order to educate
25:32 individuals to make sure that as they stopped they were
25:35 being educated about what they could do, and learn their
25:37 Constitutional rights, and also make sure they're getting
25:39 educated so they're not loitering in the first place.
25:42 So all of these things we are business models and ideas
25:46 that sadly the largest place where you'll find the most ideas
25:50 is in the graveyard.
25:52 Because people pass away, and they never
25:54 institute these ideas.
25:56 So I'm urging all of you people out there, listen if you've got
25:59 an idea we need you to take that idea from your head,
26:04 and put it into fruition.
26:06 God gave you that dream not by happenstance.
26:10 This is just not incidental.
26:12 That dream is a message that He's trying to give to you to
26:16 start that business, create opportunity not only for
26:19 yourself and your family, but also revive your community.
26:23 And then for those who are brave enough to do so, kudos to you.
26:26 The other individuals in the community, for those that have,
26:30 we need to support them.
26:31 They stepped out on a ledge.
26:33 Take the dollar out of your pocket,
26:34 and give to those individuals.
26:36 And this is what the message is of,
26:38 that the Scripture's all about.
26:40 If we can do just this, we will be alright.
26:43 And we can take control back of our own economic viability,
26:46 in every single community, whether you're in urban America,
26:50 world America, Appalachia, everywhere
26:52 it's possible to do so.
26:54 Absolutely, absolutely.
26:55 We need to do a program just about how to set up a business.
27:00 Absolutely! So, and you have a takeaway for us for today?
27:04 Absolutely. I have some good things to say.
27:07 Alright. Well then, let's get to it. Ha ha!
27:16 In your community there are many businesses.
27:18 These businesses, if supported, will bring respectable traffic
27:21 to your community.
27:23 Restaurants, bakeries, law firms, doctors' offices,
27:25 schools, libraries, and more are all a reflection of the upkeep
27:29 and character of your community.
27:30 Frequent investment is crucial to property value
27:33 and the quality of living, so be sure to pay full price
27:36 when you're down at your friends establishment,
27:37 or pay full price from your services from a close buddy
27:40 who's an accountant.
27:42 These are the investments that matter most to your
27:43 network and community.
27:45 I don't want to see another business close its doors.
27:47 Let's follow Romans 4:4 that says, Now to the one that works,
27:51 His wages are not counted as a gift but as his due.
27:54 Or Leviticus 19:13 that says, You shall not oppress your
27:57 neighbor or rob him.
27:59 The wages of a hired servant shall not remain with you
28:01 all night until the morning.
28:02 Let's join together to aggressively recommend good
28:05 services and products, and pledge putting
28:07 an end to the hookup.
28:08 And remember, be the change, and the purpose of life
28:11 is a life full of purpose.
28:12 Till next time, Dollars and Sense.