time I've been taking my time [Music] [Music] foreign [Music] foreign [Music] [Music] one two three [Music] [Music] [Music] hey trendys trendsetters and my trendy tribe how are y'all doing drop some hearts if y'all can hear me I'll make sure I was so excited like I learned to take my time take my time nice okay stream y'all already booted me out once y'all this Kiki is on one today okay I'm gonna say hi to everybody hey beautiful Choice designs and 41 fit let's go where the blessings reside where the blessings reside good morning pinky I know you might still be at the dentist I hope everything's going okay with you at the dentist good morning lovely Linda Gamble hey Cynthia Cynthia was our early bird oh and Cynthia you're my time stamp for my time zone when you message was 11 11. obviously let me see let me see hey sham hi Phyllis it's so nice to see you in here I see you coming all the time hey professor Damita Joe hey Sylvia p and Sylvia did you oh you might have replied hold on let me see okay okay Sylvia I got your response all right I just want to make sure you saw my message okay cool beans y'all Kiki is showing out today let me see let's go Trend to try where the blessings yes okay all right let me get Kiki because Kiki coming back up y'all y'all kicking the shoulder her behind in the best way possible to me be Petty she deserves to be Petty in my opinion I love it okay I don't even know where to start we have so much y'all okay let me let me let me start with my habits that way we'll just stay kind of in order first of all thank you thank you thank you to my Trinity tribe members uh again please don't uh miss out on the art that you can download and y'all the font got smaller again thank y'all so much for sticking with me and you know I definitely hope you enjoy the art and the Emojis if you're on the YouTube side um yes but y'all I um I am planning our first members only like togetherness we're gonna do a test run first and then if the test run goes smoothly maybe shortly after we do the whole memories only but I just want to do a fun test run first nothing we don't have no nothing like formal just to make sure everybody can hear and we can join together from patreon and YouTube so I'm testing out some features but that's coming um and y'all gotta let me know do y'all want to do like a watch along um I don't know what yeah I don't know of what I was let me tell you I was thinking about watching watch along with either I love Judge Mathis watch-alongs Judge Milian like People's Court and I don't watch it by myself but I would watch paternity court or or you know where judge Toler used to be a judge on I would watch those old episodes with y'all I don't but yeah so I just want to know that would y'all like to do maybe a watch along or something for our first one I'm not sure but that's what I've been thinking of but it's coming it's coming y'all good morning Maymay good to see you let me see hold on I think I missed some people hold on I see jeanetta's name being mentioned I see hey Janetta boy I don't see you on my end yet but I see hey Janetta so hey Janetta I missed I see it somewhere your choice said hey Janetta so I missed it somewhere oh I see you I found you hi Janetta how are you okay uh oh who's getting congratulations what's going on who we celebrating the lady really taking us out like mentally man hey Sun kiss dark and dainty hey Trina tribe heck yeah see I'll be looking back to see who y'all greetings on Miss anybody I watched paternity court and all the rewind runs I watch it over and over okay okay Shannon so that yeah Shay I'm telling y'all I think we're gonna do Judge Mathis paternity court or Judge Milian we could rotate through them too but yeah that could be like our thing um then I'll have to put in a vote though like do y'all want to just probably just chat so we can hear the audio so we'll be typing together and chatting about what we see because um unless I do like a reaction type thing we'll be talking over the actual audio but that's why I like reruns because it's not that serious so y'all I'll probably put up a poll about how do y'all want to do that what about couples court with the cultures Linda I'll put that on the table let me write it down I'll ask you again too if I uh lose my notes but couples Court okay yeah I think a watch along will be super fun you working okay shoot I understand we got a lot of working working women and men I would say men because I have seen a couple guys things but yes working women and men up in here uh let's see I did say how to feel this you have to see the people girl that's the part okay okay couples card is funny I like them okay cool cool okay so yeah thank y'all thank you thank you again this was the most recent um my dad just sent me a picture of my niece's one of my niece's first day back to school they got the face of my brother they never got a face like my brother that he might as well they might have just put him in a clone machine and stay here but make them girls because these that is I'm telling you they look just like him oh okay so yeah the most recent is the blinged out folding chair we have now this weekend is an odd weekend oh let me see well Choice got the link so she'll come up choice you can come up whenever you're ready um because this weekend is probably the only weekend in the foreseeable future where I won't have sketchy Saturday because Mr trending is gonna take me just to go do some random stuff for my birthday so I don't want to put him on a schedule you know so that's so we're gonna so oh yeah tomorrow night is mostly which is Thursday night that'll be like our free form Friday okay um and then wait hold on tomorrow night no I'm sorry is that supposed to be tonight what's today Wednesday y'all I might see y'all again tonight I think today was supposed to be the freeform Friday makeup time in the evening I might see y'all again this evening I'll put a link up if I am then tomorrow is our birthday bash uh that choice has been putting on with some really really lovely women including 41 fit and succeeding uh sorry I'm late what are we talking about girl we thought we're gonna talk about Kiki being petty hey melanated energy how are you doing let me see okay and we were trying to figure out our watch alongs for members only melanated energy we were talking about that too so we were thinking about some couples Court paternity court judge Mathis and People's Court yes Mr trending right now he gonna he gonna get a crack out of that yes that name is catching on for him he gonna love it okay I'm about to add you up choice I know it's only you because I didn't share the link publicly so that's nice okay hey lady how you doing hey hey everybody did he bring it up oh you know what it is it's the overlay covering so you're up but they just won't see you that's okay hey everybody in the chat I just came up really quick to remind everybody that uh we are doing the 80s theme party for trendy tomorrow we're gonna give our prizes cash gift cards and possibly some T-shirts I would love to see everybody there Linda gamble make sure you be there we want to do something um also if you guys have any questions that you would like Trinity to ask drop an answer about why she started being a content creator of what got her doing art you can drop them in the chat we'll make sure they get you know we'll put them in the category that we're doing seceding is another mod she's not here she had to work she's actually in a class today but she is going to tell us everything that was invented that came out in the 80s like the Rubik's Cube It's like from 80 to 1989 so it's going to be really fun it's going to be great we're gonna laugh we're gonna cry we're gonna look at Trinity's gift that we have all put together and got for her Shannon and actually I'm gonna talk to you after the live so we can go ahead and get the agenda together so we can send it uh to uh me you and fit we need to get that together so we can go ahead and send it to trendy we're not going to tell her everything on the agenda because some things you want to be surprised um I want to take the chances this time out and say everybody that come back every day uh catch us or come back after the lies and do the replay we really appreciate you guys we're trying to make it where it's a safe place where people are comfortable enough to come and tell their story and just get some knowledge and education on starting a business and we just we love and honor everybody that come in here you guys just don't know when Trinity get off this live she is so hyped because she feeds off the engine in the chat and I want to tell you guys we love y'all we adore y'all and y'all like hanging out with us so come quiet with us we're gonna have a good time I'm gonna drop back down in the trash don't drop down yet Choice don't drop down yet uh first of all yes thank you and pin to Ross you always be hitting that replay game so I want to shout out to you pn2 Ross because I know if anybody gonna hear it you're gonna hear that um but choice no I wanted you to stay up here to present uh ladon's theme because I know you've been speaking back and forth with her and she might be at work Okay so you don't change hurt me so Ladon Calhoun those who know her you've seen her in several different chats she is going to be here uh August the 25th um 16 PM instant Standard time she's going to tell her story from being on drugs locked up in prison having to give up a lot of things in her life and now that she's at another point where she's actually getting ready to start her non-profit to help women to keep from going through the things that she went through so y'all come and support Ladon y'all know how she is she's very vocal she has a voice authority and authority I'm I'm talking to that this morning and I'm like Shan I want to hear her story because I've only heard bits and pieces of it so in order to sit down and actually let her tell us out of her mouth I think it's worth worth listening to so y'all come hang out on you know on August the 25th and we have another lady we're gonna wait to announce her we actually have I think the next three weekends after after this weekend we do have people that's going to come up and speak uh we have a ladies gonna tell us about her uh raising um kids with uh what was it Trinity it was disabilities I think think autism autism and stuff so we all may have somebody in that family Sean I think that's Sean but we have Sheila uh Sheila Massey so right now the order is it's Ladon coming up 25th of August then it's uh Sheila because Sheila did say she wanted to share her story so Sheila you're the next Friday if you hear this um so we can reach out to you then it's Sean Fennell Fennell and then hopefully hopefully Sylvia p yes Sylvia P Sylvia you got my information reach out to me I need I need I want I want to do something for you so reach out to me please if you don't have it uh come up behind the wall and I'll drop my information oh she can't come over behind the wall I'll put my email in the chat again okay okay and Ladon she's in the chat Ladon I don't know if you're working where you can only type uh I just didn't want to obviously have your stuff up here and don't ask you if you wanted to come up here to just uh you know give a teaser you know or whatever you like to say so let me know in the chat Ladonna I'll keep looking to see if you want to come up but yeah I just as you were talking Choice Ladon came in so she got to see her graphic and everything up here yeah but yes I and I I told Sylvia in my uh DMs I said Sylvia I just want you to know that I have what did I say I said if you ever want to tell your story and not have to cut it short you could uh you come up here because she she gave me a shortened version of her story she was like I'm trying to keep it short and I'm like hold on you don't have to keep it short I was like if you ever want to tell it and she she said she might step outside of her comfort zone and come up here and I was like it's something definitely I was running from doing it on this channel thinking that I wasn't the right place and it came for me and I'm trying not to run from it but you know choice opened that door and again I'll even I created Jazzy J for life she wanted to talk about mental health that day and she almost didn't and then she stuck with it and then Choice came up informally sharing her story which led blessed Queen to kind of share some of her story and then Choice shared her story formally then we got to meet Choice's sister Keisha and it's just been very organic and I really appreciate that you know the trust and everything thank you Shan but yeah I just wanted to give you credit choice because choice you were pushing me before any stories were shared and I am going to uh I'm going to drop the link just in case you want to come up is that okay trendy yeah I'll just put a graphic up because I know it'll just be Ladon coming up so I'll put the graphic up first so okay just in case you know somebody else grab it on accident yeah thank you choice I appreciate you I girl I appreciate you know how we do it yes if and you know I always say this if we all do a little bit don't nobody have to do a lot if you do a little I do a little doing a little baby your party gonna be lit you just don't know all behind the scenes you know so and Philip Crawford thank you for saying it was wonderful topics we just want to help people out Ladon I dropped the link just in case you want to come up and just give us a little teaser of your uh story but if not don't worry about it amen that's right man that part yes because of the weather here in Texas is crazy we woke up to 72 degrees weather but two days before that it was a hundred when you woke up in the morning so yes and that's don't even use your voice up no more than um and or if in case Ladon comes up or if you want to drop down Choice that's up that's literally your choice don't be using your voice don't overuse your voice I'ma drop down because you know Sicilians in our class today so okay the cat is moving real fast so I'm gonna drop down so big won't have to do it all by itself okay and y'all that's a blessing with Troy said the chest moving fast that's that's a blessing okay shorts thank you and thank you for the compliments on the graphics y'all Ladon pre-approved the pictures I chose because I didn't want to I want to make sure it wasn't anything that would either you know just that's not how she maybe wanted things to be represented so she she chose between some pictures to use so it's a little Dawn approved or Don approved so 25 August which is the Saturday after this one okay all right y'all let's get into some Patty Petty no no I gotta save the petty okay but the petty I like it I don't even know if y'all gonna like it that much but first of all let's talk about oh you know what let me share my screen because I put it up here so y'all could see what I'm looking at hold on let me share thank you Damita Joe okay I want oh is it just a tab or should I let me show the window I want to show the whole window yeah that's better okay baby yes Kiki Palmer I got my whole life you already know okay hold on for my other thing up okay all right so this is just I was like this is real oops wrong one wrong screen Lord okay I just thought this was real convenient and sneaky to me I love your petty hey my Leo sister live laugh love how are you doing oh I bet you on a high did you already see Beyonce's concert if you did I know you on a high oh goodness but y'all okay Disney Disney ends they're ending their streaming Plus or their streaming service Disney plus and they're gonna the Change is Gonna Place uh them under Netflix they're gonna put Netflix in charge of their streaming I think that this is because this is off the headline this is me judging off the headline by the way I think it's because they don't want the smoke coming down from the strike about residuals from writers and actors I also think they're starting to possibly lose money because as Netflix found um the password sharing you know it's a thing you know you're gonna max out on accounts eventually okay so I think that they're just trying to cut some losses it's not because I don't know of anything else to me I think that's I think that's what it is it's tonight okay okay live laugh love Trend at some point I really don't mind coming up but in a lot of pain right now so just listening and showing support but I'm really excited to tell my story no problem with that I just didn't want to deny you and you in the chat that would be crazy so that's why I was asking but no I hope you feel better I hope you're um pain subsides and yes we will see you for sure of course for the birthday party and when you tell your story but yeah ladai you rest up and no don't do nothing that's gone take care of yourself you know what I'm saying Phyllis you agree with that theory about Disney mm-hmm they get a lot of complaints because people been trying to ban Disney okay Disney is leaking money yep yes No Label you rest yourself up right hope you feel better Ladon yes Ladon praying for complete healing at Ladon yes DeSantis wants control yeah but but with the but live laugh love this is the thing with that streaming part I don't think the sentence is affecting them in that way I know he's coming after them but their contract what they had seems really airtight to where the sentence is going to be having the Florida whoever he's getting to foot the bill to fight Disney is leaking more money on that end than it being the fact that he's actually affecting them when it comes to streaming I I don't think I don't think he has anything to do with the streaming part I don't say anything to do I think that they're being Sinister in their own reasons I should say that because there's no good person in this thing or good people good company feel better Ladawn hey Miss Reese how you doing how you doing welcome to the chat yes he's coming for a whole lot just my opinion yeah I he probably trying to see whatever sticks to um because even because that's the thing that they like to do they steamroll it seems like and then even if a couple things stick a couple things still hurt hey Sean I was just talking about you Sean okay telling her story on the 25th of August then that next Friday I'm looking at my calendar it's I it should it's the first of September that should be Sheila and then Sean if you're free did you want to try to do the 8th of August which is a Friday to tell your story please let me know if it's the 8th of September uh because I had it because Sheila had asked after Ladon but I just wanted to ask you if that date's okay with you and choice of course you be dropping her email too so you don't have to do it all through the live chat but just I just wanted to let let me let I just wanted to know because I don't know when I'll catch you again let's see my sister from another amazing mother hey succeeding how you doing I heard you're having a great day yes hey succeeding everything is on stream though with so many people are starting to downsize to one or two yep yep yep yep you always chase the money you chase the money you find the answers in my opinion hey ladies suddenly I have temporary fomo I keep getting called oh son kiss yep people they know when to call when you're trying to actually listen into something okay let me see um y'all I was gonna read Disney story but I got too many other stories to go through I just say that's just my suspicion and I'm sticking to my suspicion fruit now oh no you might not want that highlighted let me take that off of here oh yes makes sense shins too many services yeah they starting to be like if you get all the streaming services you actually like you just paying for cable again yep okay now so moving on do y'all know who Victoria Monet is I feel like she basically wrote all of Ariana Grande's career because she wrote if y'all are familiar with any Ariana Grande songs I don't know a lot of them but I know a couple of them um but the 34-35 song Thank you next seven rings I feel like even if you didn't want to hear you probably heard seven rings um but she wrote for a lot of people I don't even think they show a whole catalog when I looked on her I'm like I feel like y'all missing people but Victoria Monet is also an artist herself but uh most her biggest hits came from when she did write for other people because you know how that goes whoever's marketable and all that craziness I wonder what we'll do for Hulu I thought they were a couple oh really huh well keep watching you're welcome Ladon never heard of her y'all need okay okay Victoria Monet needs some respect on her name she be writing for the big ones she's oh oh did she write was that her no that was Esther Dean okay I'm sorry but you know how estadine be writing for everybody remember when we went over all those songs that she wrote for Rihanna and stuff that's that's how Victoria Monet's name is Victoria will Navy writing these songs y'all but she's but she's also an artist herself she's just reinvented herself again so she came from her soft r b era to it seems like her I'ma say Ciara because she got a Sierra Vibe going on uh the newest song she has is called uh on my mama and y'all okay now this is for us that like a little ratchet every now and again but do y'all remember that song Oh My Mama on my hood I look fly I look good okay well she she did her own spin on that song and she put the original guy that did that song in this video but y'all see how she she's she's channeling Sierra right here right please tell me you see she's chilling Sierra right now never heard of her I was born in 1970 era gotchi but she has a great voice Linda now content-wise it depends but she's not as Extreme as maybe some others you may enjoy some of her stuff okay Shan yes well she got okay so she's chilling Sierra and then for all of us that had any I guess significant times where the early 2000s still still would have um influenced your style she takes it back in here a lot so she's got a lot of early 2000s looks in here um and she's she'd be dancing her by I didn't know she really could dance but see they got the oversized shirts and pants that they used to have in the early 2000s but y'all it looks good I just want to bring y'all attention to her she is she's a chameleon that's the best way I can describe her because she does a lot I I had to make sure she got her props she she she slept on sending prayers to Ladonna Choice design for healing yes may may yeah 41 feet I look good touch my swag yes I recently heard that song and I love it still be a cop on Sylvia yes see I just want her to get her okay if y'all y'all know Normani if you know Normani and you like kind of normani's thing I'm pretty first of all they've used the same choreographer uh Sean that did the um the famous cardi B if it's up then it's up then it's up then it's stuck okay he did that he's choreographed for a lot of people I think even choreographed possibly for Beyonce but that's they are really good on I love a good choreography effort you know what I mean so the video is it's just nice to look at but like I said she's got way softer things as well look at her catalog if you ever like I just need to listen I just want a new sound every now and again my week's going okay succeeding I'm really enjoying it overall thank you how's your week going I would definitely check her out she deserves it she deserves a try that's all I'm saying hey my beautiful Taurus sister succeeding I am well done I was wondering what my grandson was singing ah Linda yeah I don't know he might even see the original um I don't know how many guys really know about Victoria like that Arleta hey Arlita I missed your name how you doing I see somebody oh yeah I see somebody saying hi but I didn't see your comments so I'll make sure I say hey he dances his tail off yes big bag Buster not the Bentley been taker y'all I'll tell y'all I'm telling you if you even if you just if you ever just want to see some good choreography look up Sean what's his name what I just say his name was Banks Sean what did I just say that man's name was that's crazy I just forgot his name he is so talented I will check her out too Linda yes um just give her a chance skip some songs if you like that's not my thing but give her voice a chance okay okay so Victoria I gave you your flowers girl all right [Music] um okay y'all the first thing I thought of when I saw this title I'm sorry y'all here's the headline it says boy survives 100 foot Grand Canyon fall after dodging tourist photo I said his mama looking for him why'd you have to dodge a photo on that bad like why can't you be in a photo that's what I thought since he survived the fall now I don't know his condition I didn't want to look because then I couldn't just tell my joke with the knowledge if it's something really bad but yeah what is he hiding from dodging the camera it's not that serious he was supposed to be somewhere that day that's all I could think of that man was supposed to be somewhere I don't know if it's gonna take me to the picture not his mama it said boy they didn't say man so I was like oh his mama looking for him feelings that's what I thought I seen that fool what in the world okay oh you don't okay excuse me doesn't like that I clicked on the picture whatever we love you some Life Choices like yes Miss racy I'm telling you I know it said he survived so I was like well I'm gonna I'm gonna go ahead and say what came to my mind first that boy is dodging somebody I I mean why would they say boy If he if it's not you know he he has to be young choices are in prayers going up to you my sis yes he bandaged up okay live laugh love thank you yes Oh yay I'm glad you're here Arleta he was on a punishment my nephew was on a phone restriction and he answered his phone Whispering sharing right right therefore he was not where he was supposed to be child God looks out for fools and babies I hope you get to feeling better too all I wonder what he did right live laugh love um well let me look too because I know I'll be moving on I want you still sitting there trying to type but when I went when I tried to go to the store he didn't want to share more than that we'll find out what he did y'all okay this headline I just thought this is just stuff that'd be interesting to me and I know Shannon succeeding y'all be into some Finance stuff too it says UBS to pay 1.4 billion dollars for selling toxic mortgages prior to the Great Recession I never heard it put that way as a toxic mortgage so that's what piqued my interest hey Joyce welcome good to see you in here she said late but here girl yeah you late but here look something told me to save my Kiki Petty for a little later so Joyce you didn't miss the best part yet um and I'll make sure to give my reminders at the end to challenge Joker was none 41 oh okay y'all so it says the justice department announced on Monday that UBS has agreed to pay 1.4 billion dollars in penalties for allegedly defrauding investors by selling mortgage-backed securities that blew up during the Great Recession the settlement resolves the final case brought by the Department of Justice to investigate the role of Wall Street firms in the 2008 financial crisis the substantial civil penalty in this case serves as a warning to other players in the financial markets who seek to unlawfully profit through fraud that we will hold them accountable no matter how long it takes Brianne peace the U.S attorney for the eastern district of New York said in a statement um the doj filed a civil action in November 2018 against UBS allegedly the Wall Street bank defrauded investors by knowingly making false and misleading statements to buyers dozens of residential mortgage-backed securities issued in 2006 and 2007. USB conduct in this case played a significant role in causing a financial crisis that harmed millions of Americans said Ryan Buchanan U.S attorney for the Northern District of Georgia my mother-in-law taught me about mortgages okay yep yep 1.4 billion and Sylvia my suspicion is they probably got away with so much that probably was a drop in the bucket to them that's what sucks it's like unite they're probably not even getting punished enough to not do it again in my opinion they always trying to pay those clear people yeah Yeah question who gets that money our leader I wish I well we in my mind I have a picture and it ain't looking too bright you know because yeah who gets that money um let me see yeah of course they won't answer that question because I yeah it doesn't go back ladies please take care of yourselves it's no fun being sick I'm just saying right hey Lizzy wheeler welcome welcome welcome Obama had to clean that up right it started there huh okay yep live laugh love um oh yeah got the lip emojis Choice the same thing happened during the Obama Administration they went after the banks for giving loans they know people couldn't possibly sustain yeah Shan I thought this was a carryover from that like live laugh love said I think that's a carryover because that's why they said no matter how long it takes I think that's definitely what happened he I feel like he started to clean up but and they had to keep carrying it on okay um all it says all told prosecutors say they leveled more than 36 billion dollars in fines for conduct that fueled the 2008 financial crisis including from Banks and rating firms okay did y'all ever see that movie was it called The Big Short that's the best explanation I've ever seen on what happened with that 2008 uh collapse the real estate bubble collapse that basically let me see oh I'm about to oh I'm about to butcher this up but I'm gonna try to give you a quick summary but I think it's worth a watch if you ever get bored and just want to watch something um it was like placing a bet on a bet that was placed on that bet that was already placed so it's like a domino waiting to happen to fall and everybody was betting what everybody was basically betting with the market that it would succeed and there were some a few of course they were clear um they literally shorted the stock market or that stock all those mortgage-backed stocks and when you short basically you're saying I believe this is gonna fail and when it fails I think it's gonna fail by this much if you're in that range those stock market those stocks technically owe you and so it was called The Big Short because because people a few people were shorting the stocks it's a good watch I love the explanation um I think the actors in there were pretty good if I remember because I'm I'm remembering my feelings more than the scenes and I felt like I really was like whoa please be careful out there it's another variant oh okay got it got it they should give some to the people who were involved but we know that's not going to happen right road to 5K oh 41 feet that's you over here speaking the 5K into me I was like road to 5K for who thank you 41 feet Sean says yes also AIG and Countrywide mortgage was also part of that that thing hey I remember AIG I did not recall the name Countrywide but AIG yeah Sean in my opinion the world is collapsing now we all need to be careful girl Phyllis it's a slow collapse to me I'm like when has it stopped when it when was it not collapsing in my opinion The Big Short I'll have to watch that yeah I think that's what it's called Sylvia P I really do I feel like it was a great entertaining explanation like of course they're probably going to embellish a little bit but if you like watching biopics then to me you'll watch the big short because you know biopics are embellished a little bit too I feel like it's it's nice especially when you're like what really kind of happened with that collapse they were oh and let me tell you what else it was the balloon mortgage rates I think Shan probably gonna agree with me on this oh hold on Joyce welcome to the trendy tribe thank you for joining go get your art girl go get your art Joys you can do it on the membership tab uh on my like if you go to my channel you'll see like Community videos live and you'll see membership go get go start getting your art um each link is posted after sketchy Saturday so you'll see it'll always say free art on there I hope you enjoy it Joyce um the one and only oh lovely Lizzy yes hold on where's Miss Z yet or is that a nickname for someone else because I know there's a Miss Z as well out here in YouTube so I want to make sure I'm saying hi to the right person um but okay the balloon mortgage okay y'all so not only were they betting that basically they were kind of betting money on the on the mortgages being backed but of course there was predatory towards our people most times where what they would do is they would go ahead and let you get a loan for the house in the first year the interest rate would be like let's say 5.8 but you signed saying that you agreed that uh to a balloon interest rate which literally picture a balloon inflating your interest rate could jump from 5.7 percent to like eight some percent and now you cannot afford your mortgage or probably in the teens knowing them but yeah y'all it's a good it's a um they were just backing a bad loan it was eventually going to fall and those who got in and got out probably won and those who stayed in the ones that lost everything and they should have never gave those people mortgages knowing they were going to fail them that way too that it was predatory lending in my opinion Miss Z you're welcome we just left my husband doctor appointment they had told us okay okay yes welcome Joyce yes that's why they don't want us to figure things out when we all became informed they know they can no longer take from the small guy exactly Shan yes Joyce oh hold on you still miss Joyce you get it too hold on let me give you my thing where the money was like 41 fit says where the blessings reside where the blessings reside we going we going yep that's what I was talking about okay Shan thank you it was never smart to do that it wasn't but that's the thing not everybody is saved from predatory practices that's the problem and you know everybody's not presenting it in a way that you would be like oh I don't want to do that that's a risk I'm not gonna take you know how it is succeeding yes double look those balloon mortgages were crazy those balloon payments is how my mom lost our home in the 70s okay Damita Joe hey Miss Z okay I see one of your comments now hey welcome welcome people also brought properties they could not afford interest only mortgages yes yes and but here's I'm always go back to the fact now some people made a choice knowing what they were doing but most of the time it's predatory and that's why I'm like put the light on the people that were even creating those types of offers I'm so sorry that happened to your family Demeter Joe yes okay y'all okay so I had to point that out because that that amount and then the fact that it was called toxic mortgages caught my eye I had not seen something like that before am I still connected people that let me get that off of there sorry sorry y'all okay people that couldn't buy were the ones this was being shot to and they didn't realize once that balloon blew up they couldn't afford it that's the people I picture because everybody is you just everybody doesn't have the resources to be taught about a lot of things I shoot just even my husband he would talk about how he didn't understand um because he didn't even understand how he could or couldn't maybe get into college College he thought was just not for people like him I just put it that way like they just waiting with discussion he didn't even hear it hear about until he came to Texas to our high school and kind of the conversation started coming up but yeah it's a lot of things like it's I miss someone in the store and she told me this particular area that many were getting those interests only they just wanted to get in right and some probably were I just I just always you know by the numbers like you know how it it's a Target all right now where the money resides love it yeah Joyce who gets the money the homes the land I have friends that lost their homes I it's probably going back to a piece of the government Arleta and then of course people that know people which are usually clear people in my opinion that's just what I think let me put my banner up that's just what I think though thank you Choice it is two-sided blame but of course we have to determine what we are able to afford just to turn balloon screams Flats exactly but succeeding you don't think there's different terms they're going to put instead of balloon succeeding I don't watch too many people get uh be victims of fraud to know it is not that straightforward most of the time it's just not it's not so true at some point my home the Pinnacle was high school c41 fit I think that's that's the same for my husband I think that's how it was he ended up learning trades instead he never even he didn't go to college even now like he has no desire now which I'm like he's so good with everything he does it's like Choice say even if you lose everything give her six months to a year she'll get it back because of her talents that she has that's how I see him I think he'll always be able to be okay because he just he's uh he's just talented a lot of stuff they were calling them arms and not explaining what an adjustable rate mortgage actually is I remember that term arms thank you yeah balloon sounds balloon and even then sometimes that still may not sound bad when you're not even taught how interests work how an amortization schedule works because I didn't even learn how amortization schedule worked so I I kind of self-educated myself but I was blessed enough to have the time and not be in a desperate position and all kinds of other factors because I didn't realize that with amortization you're both you're basically paying almost only interest for the first like what decade or so and a little bit of principle I didn't know that I thought it was like credit card and annual interest rate at first um I had about a half of the time when I was thinking that but I'm saying it's we have to just help protect each other because it's just not that easy we don't have the same amount of exposure I think everyone can be smart but if you're not exposed to the right resources and um uh education and putting it in a practical Manner and they just keep it hidden behind certain terms it's so easy to become a victim and that's who they target because they're going for easy money listen Mr Trenton said nope I'm gonna make my own way 41 fit he did he stood 10 toes down and I'm like honestly most people that the trades are what's getting the money now because um depending on what you go to college for I'll say that Enterprise wants you to have a bachelor's degree and you you know they pay close to minimum wage like it's too much I saw a friend get into one and tried explaining but she closed before actually looking into what I was talking about and she was able to refinance before it actually adjusted Shane you've saved your friend crazily crazily baby yes when drop draw your own blueprint you can lose it all and get it back because you're self-made choice that sticks with me a guy wrote a loan for us to come find out it had come to find out it had a balloon balance the company he was working for did a lot of fraud they ended up giving us 20K back because of class action suits oh may may I'm so happy to hear that because there's not many stories like you that I hear oh so I'm glad you were added into that class action lawsuit I'm glad you got some of it back baby that's crazy they don't necessarily teach those at all even when I would go try to Target classes to take for it they still don't speak practically they don't really you know it's just not like that in most places in most places so true Mel did it and repeated it right right we call choices purple print Melody got the blueprint Choice got that purple print I know Sean it's hard for us because we don't readily have people explaining it and the bankers just want to get it done and get their commission off of Regular people's backs right that's the easy way right you're like oh I didn't expect to ever be given a chance depending on how what circumstances you're coming from and you you can get blindsided and then not being educated on the term so y'all look out for the the term arms adjusted rate mortgage and balloon look out for those and please you know it just we have to educate ourselves it's ridiculous um okay I was gonna talk about this but we gotta get to Kiki so we're gonna we gotta go to Kiki all right y'all look at Petty Kiki now it's muted because I'm trying not to get a copyright strike and they probably will still try to copyright me even just for playing the video so I might have to edit it out of the live if I get a notice um but y'all Gotta See Kiki anything that adjusts on its own is not your friend right exactly Shane if you didn't go for it nah stay away from it nope nope nope okay y'all look at Kiki okay hold on I love it you're welcome Professor Damita Joe Kiki is mostly talented I love her they probably write this right they probably wrote it they probably did we gotta check see if she get writing credit sharing she might have helped write this on this two on point it's way too on the nose you know what I mean these wigs are laid Tyler Perry take notes right 21 feet he'd be doing them wrong with that hair don't he he really if he get that hair together I feel like he care about his actresses more because he wrong wrong I ain't even going to talk about the dudes yet get the women together I've always loved Kiki she has just this Spirit about her Demeter Joe for real oh you dropped the Usher link Choice thank you Choice oh okay she sure did y'all look up a few she dropped the Usher link if you want it if trolling was a song Miss Z would I tell you if cholin was a song on a big budget Miss Z exactly what this is oh what oh did I have let me see okay we talked about okay y'all let me make sure I just do my reminders just in case this this I said this Saturday I probably was saying Saturday it's Thursday tomorrow evening is the birthday party where choice and and 415 succeeding Shan Ladon I feel like anybody that's email choice because she's she don't want to tell me too much I know I don't know enough I don't but they are they have pulled together to make sure to give out some cash prizes from some trivia and things like that so I just want to remind y'all please come tomorrow evening 6 p.m Eastern Standard Time I always love Usher voice me too Phyllis me too um let me see so that ladon's story is coming August 25th so please be there for ladon's story the link is already created so you can set your reminder set it and forget it um it's on the live tab um thank you again to my new member all thank you I appreciate it so much I appreciate all y'all so I'm gonna have to add you you gonna be on this list Joyce you about to be on this list but yes thank you thank you thank you um I'm trying to check see if there's anything else uh y'all real quick just a a chat poll you ain't you know nothing formal do y'all did y'all I don't know if y'all saw yet but did y'all see my video about how I feel like me Melody and Sierra Melody is channeling Sierra Vibes y'all and in a good way like I feel like there may be a collab or maybe it's just a tribute I don't know but Shan says she saw it I think Melody is chilling a little bit of Sierra Vibes in the most positive way possible uh someone even the intern said can you tell us the melody print because y'all there's a Sierra prayer like everybody be asking Sierra what did you pray to get Russell I love Usher I will never forget the Vegas concert best birthday gift ever I heard that Vegas residency is everything Shan yeah they loved you they loved you yes oh my gosh I heard he does not disappoint he does not okay hey Sylvia you did see it thank you did you see it too I mean I know you saw it but do you did you see the Sierra Vibe a little bit Silvia child I didn't think that was male I actually thought it was Sierra for a minute I was wondering why Sierra was in the thumbnail and exactly exactly they do have a similar Vibe yes yep I every a few people are in their Sierra era right now for real for real y'all you saw it Lizzy yes thank you because I'm like y'all I can't be the only one that sees this you have to look and then she's playing um Sierra's new song on one of her posts so because Sierra got a song like for the girls it's called for the girls and the lyric that Melody chose to start at it said it's like something like this is this is for the girls that don't need no man and something about being independent do it on your own something like that so I'm just saying I'm seeing something I thought it was her too at first glance now my very first thumbnail it's not up now because I had to hurry up and just put something up there I had Sierra on the right hand side so it was Sierra for like 20 minutes so I don't know if my first thumbnail that might be why but the one that's up now Sierra's not on that thumbnail but I still feel like she's giving Sierra Vibes uh for real for real yeah and I put up a couple comparisons in the video so you can see it because I'm like y'all need to see this oh my gosh all right I'll end it here I had some other stuff but it was all like bad news so you know nothing lost there to to go there was it's always it's always something to talk about in the tragedy Department unfortunately um go see Jamie that's me's Channel if you want to see about the guy his mom helped him unalive his baby's mother and it got caught through text message I was just watching the Usher video they just did this those are the dancers from the concert oh my gosh man they was ready they were ready come on road to 5K please like subscribe and share I tell you y'all people [Laughter] 415 skip 2K I appreciate you believing in me I saw that yes Phyllis oh Jamie that's me then I already got like the bit the best I say the the not like well I say the best information not like it's good news but the best information put together um she just premiered it today I was watching that before I came here that Mom is disgusting right oh my gosh I cannot deal with these again as here she go kotlin a young man to do whatever he wants to do another life goal I heard about that son and mother yesterday on the YouTuber Channel okay yep Sylvia Jane was the best commentary in my opinion I'm telling y'all if you haven't seen Jamie do it I I don't know her reactions it's something about how she does it it's she's good like Mom like son right great video and thank y'all thank you to me to Joe I appreciate it Jamie is hilarious the voices take me out she's like sorry sorry or she'll be like uh well she said y'all gonna do what y'all want to do anyway because that's just how you is oh my gosh she's a good watch she's a great watch to me in my opinion ladies be careful who you bring home yeah yeah and and the girl was so young no no World experience and I mean her instincts kicked in in the in the end because she didn't um she was just trying to get away from him in general he came looking for her that's all I always do even when you try to just like okay fine just go be with somebody else they can't handle that either good luck good luck that's how Jamie says it oh she's good it's the good luck for me to take me out every time yes she said I don't know what to tell you girl well good luck that's what she said that good luck takes me that every time yeah he had to get her pregnant at 16 the baby is two and she's 18. I didn't even see her age she looks so young I didn't even realize she wasn't even 18. educate your daughters yep and oh that Mom is so sorry and if when y'all see them text messages back and forth ugh trending send me the link on the mother and daughter please uh you want to send it to your Instagram choice or try to find it before I end the live I try to find a fight in the live let me just go look real fast I'll drop it in there in the chat let me see just go to my history real fast okay here's the link y'all do not figure Melody collection drops oh yeah don't forget mail this collection drops tomorrow August 17th yes yes yes yes yes I put that on my thumbnail Linda but yeah y'all how your calendars ready to go I'll see what else you got she said the hats there's got to be the hats and some other stuff me too please yep got the link for y'all have you heard Jamie speaking in a male's voice she had me hollering too funny I'm trying to recall it Joyce let me see oh my gosh I can't recall it because Jamie has such a good voice in general where she does a high voice I can't remember her doing Melody's voice but I I know she did a good job I'm gonna be listening next time either way I just want to read okay all right all right y'all I'm gonna play my outro music and I will see y'all possibly this evening but if it's not this evening I'm gonna see you tomorrow for my birthday party I hope 80s theme hope to see y'all there 6 p.m Eastern Standard Time and the link is there I will my credit card is ready you Linda you got to show your pieces to us too if you want to ever send pictures and I'll I'll uh show some pictures all right bye y'all see y'all soon though see you soon [Music] [Music] before we take a chance [Music] thank you [Music] mm-hmm foreign [Music] [Music] blue