Let's Talk with Leaha & Rhonda

Unknown Speaker 0:00
The following is a paid program sponsored by Crawford management group and smart time consultants. Please be advised that the voices and opinions you may hear do not necessarily represent the views of K u and v Las Vegas, the University of Nevada, Las Vegas, or the Board of Regents of the Nevada System of Higher Education.

Unknown Speaker 0:25
Hi, this is Leah Crawford.

Unknown Speaker 0:26
And I'm Rhonda Nolan.

Unknown Speaker 0:28
Welcome to the let's talk with Leann Rhonda show.

Unknown Speaker 0:30
We're here for you and we're ready to go.

Unknown Speaker 0:32
Let's do it.

Unknown Speaker 0:34
Good morning. Las Vegas. How are you? Today on

Unknown Speaker 0:40
in Las Vegas? How are you? This is Leah Crawford.

Unknown Speaker 0:44
And this is Rhonda Nolan and welcome to the let's talk with Leah and Rhonda show. And it is so sunny and bright outside. Wow. I feel the energy. Don't do you

Unknown Speaker 0:53
feel the energy? Yes, yes. What did you do this morning? Well,

Unknown Speaker 0:57
I woke up had a cup of coffee and came here. Oh, so

Unknown Speaker 1:01
you Oh, you Oh, you Hi. I'm Hi. You. Hi. Yeah. Hi. All right. So what are we talking about today?

Unknown Speaker 1:07
Well, first, we have to say Happy Martin Luther King Jr. Day. This is Martin Luther King Jr. Day weekend. There are lots of things going on in the city. There is a dinner happening tomorrow night. There is a parade happening on Monday. So thank you Dr. King for all your contributions to the world and today is January 15. Today is January 15. So

Unknown Speaker 1:30
I want to say to the lovely ladies of Alpha Kappa Alpha Sorority Incorporated, happy Founders Day. Happy Founders Day soul roars but more importantly to all the January babies because Rhonda Your birthday is in January. But in I want to tell you five of the Drina organizations were founded in January you got January 5, where the gentlemen of Kappa Alpha Psi fraternity Incorporated. You have I'm stuttering I'm stuck. January 9 for the gentlemen of Phi Beta Sigma Fraternity Incorporated, January 13. For the lovely ladies of Delta Sigma Theta Sorority Incorporated and January 16. For the ladies of Zeta Phi Beta Sorority Incorporated. So a lot of January babies download a

Unknown Speaker 2:17
birthday January 25

Unknown Speaker 2:19
and January 25. And I think you share that birthday with some other people I do I

Unknown Speaker 2:23
share it with a couple other people but I am now taking appointments for breakfast, lunch, dinner and coffee. So if you'd like to celebrate my birthday with me, just give me a jingle,

Unknown Speaker 2:31
jingle jingle jingle jingle because Rhonda is celebrating. And let me say this. When Rhonda celebrates a birthday. Oh my God, it is a full on production. You know we have photographers and just all just other things. We're taking pictures and just doing all types of things eating, dancing. It's a birthday party eating

Unknown Speaker 2:50
great food and a fabulous cake from my favorite bakery out

Unknown Speaker 2:54
the restaurant. Basically we normally get escorted out there like you know we know you know we close

Unknown Speaker 2:59
right? We are the last ones to leave. We were having such a good time

Unknown Speaker 3:03
and we do have a good time. On birthday birthdays. We do.

Unknown Speaker 3:07
We do we do. We had a good time last year on your birthday. I was I recall we did because

Unknown Speaker 3:11
we did my 50 do over we did with my 50 do over my 50 do over I was 51 I thought I was thinking well, I'm selling my 50 do over and it was absolutely amazing. We were inserted in the steakhouse thing is very Steakhouse. Yeah, berries, prime Steakhouse, and we had a fabulous doornkop. No one left with COVID. No one left. Out there. Nobody vaccinated. A lot of a lot of people, some people were vaccinated. Were people that came in from out of town. They were vaccinated. Okay, but some people were vaccinated. It was in March. I don't know if I had my vaccination yet. I don't know if you I don't think you were done. I think you might have. I might have started but you weren't finished. We had a fabulous time. Nobody left with COVID. And we danced and we partied. And we danced and we party. Yeah. We had a good time. We had a good time. So I'm still looking forward to where we're going for your birthday.

Unknown Speaker 4:10
Surprise, surprise,

Unknown Speaker 4:12
surprise, surprise. But this January, it is time to handle business. It is the New Year Happy new year it is 2022 That's right. 2022.

Unknown Speaker 4:25
And if you still write checks, you have to remember that 2022 And

Unknown Speaker 4:29
I have to say it every day 2022022 Just so that I make sure that I put 2022 on the checks. A lot of things going on. Idle is over with. Correct. Okay, so last applications were due December 31. Idle was

Unknown Speaker 4:45
over with they are still processing applications. You put an application during the month of December, they are processing it. And if you put in a reconsideration, they're also still processing those

Unknown Speaker 4:55
so processing those Yeah, and people are still getting funny. Even the advanced funding people are still getting And then the advanced funds in this. The supplemental advanced ones, those are still available if you process during that time correct look for your emails, because they're asking you for additional information for that $10,000 advance, which is a grant and a $5,000 supplemental. The other thing is it's time for forms to be filed, January is a huge month for forms. So, quarterly forms as always, you have to do your 940 ones. For employers that have small business employees that have employees, you know, your 940 ones to do your modify business tax, and your Nevada unemployment tax, those are your quarterly forms that are due for the fourth quarter, also your annual returns are due. So you need to do your W twos, you need to do your non 40 You also need to do your 1099. So whether you have non employee compensation, or 1099, miscellaneous, all those are due by January 31. Very important to know, because you want to get the forms out on time so that people can file their taxes so your employees can file their

Unknown Speaker 6:05
taxes. So as you know, you have to have the W twos and 299 to your employees by January 31.

Unknown Speaker 6:13
January 31 is very important for you to have them to them by January 31. And then just best practices once you file them and give them there's file your W three transmittal sentence and that our font file your 1096 s are transmitted to send out your 1099 get everything filed in a timely manner. So that way this is done. And now we're on to handling other business. These are the things that you need to do to work on your business and not in your business. That's where you want to make sure that these forms are filed. Also, you need to start to get your documents together because the first filing date is March 15. If you have a year end, or your partnerships 1120 S's, Subchapter S corporations and your corporation, so unless you know you're filing an extension, you probably want to get your documents together, start reconciling your books, looking where your money was spent analyzing your financial statements, so that you can give it to your personal professional. So go ahead and get your taxes done as business owner because you want to get those k ones out. So that you can file your personal taxes because it's a little bit of everything, when you got an S corp or you're in a partnership, then you have to do your personal tax returns. So you want to start getting your documents together. As well as working in your business. This is working on your business. Yeah, and you

Unknown Speaker 7:28
probably want to consider if you've been doing them on your own, you may want to consider having someone professional do them for you, especially since we'll be going through COVID. And there were so many grants out there and so much loan money, the second, the third, a tax professional can help you, you know, work that out to make sure that everything is filed correctly.

Unknown Speaker 7:46
And the thing about it is all tax professionals are made equal. And I have to say that, and we were just talking about this the other day, as some of some of them are issues, you know, they making stuff up. And you want to make sure that you have a competent professional that understands idle money is a loan, right? I don't money as a loan, if you got the supplemental or the advanced portion, that is a grant that's included in income. So just make sure that your tax professional understands what monies you received. And I'm sorry, if the PPP loan, well, I'm sorry, if the idle idle money is a grant, if PPP if you applied for forgiveness, that's another thing. You have to apply for forgiveness, it's not automatically forgiven. It isn't that you have to apply for it. Once you apply for it, it turns into a grant. That's correct. It turns into a grant grants are taxable our income to businesses

Unknown Speaker 8:37
and that's been a it's doing very well with that because you are able to go to their PPP forgiveness portal and do your application and they keep you in the loop the whole step they let you know the first of all, they receive your application, it typically takes from two to three weeks, they get back to you and say okay, your application was approved. And then they send you another email saying we've actually mailed the check to your to the bank that gave you the money. So you know that you don't owe that bank any money because SBA has paid keep

Unknown Speaker 9:01
your documents, keep your documents be know how you spent the money, because they have up to seven years to come back and ask.

Unknown Speaker 9:08
That's right. So so under $150,000, you don't have to show any documentation when you do your forgiveness application. However, you need to keep up with those receipts. Because within the next seven years, they have the right to pick up the phone and call you and say hey, you received this PPP grant, what did you spend the money on? Can we see the receipt and you have to show them

Unknown Speaker 9:26
and you have to show anything about it as I was, as always, if you have if you have a business, you have a business bank account. This keep your documentation. Yep, keep your documentation then you had to do your tax return. Keep your documentation because documentation beats the conversation. If I can show you I got the money. I spent it on this. This is the supporting documentation. It's easy conversation, right? It's a hard conversation when you are in Michigan. You make this stuff up

Unknown Speaker 9:49
right and then if you were lucky enough to fill out your idol loan in December and we're lucky enough to meet the first approval around. The next thing I'm going to do is I'm going to ask you for a copy of your 2009 Getting taxes if you have good credit, and they're going to ask you for another form 2202 So make sure you have access to your 2019 taxes in a digital form and make sure you have the proper software to fill out the 2202 to show them what you've been spending the money on and what your monthly bills are for your business. So like I said, it's different rules for people with different credit reports but people with a one credit that's all we need to show others may have to show a little bit more paperwork so just please have everything together.

Unknown Speaker 10:29
Well, the biggest thing is they're winding up the book we don't know what's going on because we're still in COVID we start we sure are still in COVID We don't know what's going on happened monitor how you are spending the money we don't know if other funds are going to be available. I know there's talks about other things but monitor how you spent you spent the money keep documentation if you're talking to people about it, just you know just be no um Did you are you monitoring how you spent the money just know how you spent it and go to a competent professional so they can see how to allocate the money on your tax return loans are not income, but if this turned into a grant it does become income monitor how you spend the money, the money, the money, the money,

Unknown Speaker 11:15
yeah, you should now changing conversation if your company is interested in doing business with the government and you want to get into government contracting, but SBA is having a free webinar on January 27 at 2pm eastern standard time which is 11 o'clock Pacific Standard Time. So you can go to sba.gov for more information if you are interested in government contracting

Unknown Speaker 11:39
and if you are interested in government contracting, make sure you have your DUNS number and you also have to register on Sam's what is the DUNS number Lea the DUNS number is the Dun and Bradstreet number wars Dun and Bradstreet Lea a number is Dun and Bradstreet, Dun and Bradstreet,

Unknown Speaker 11:58
our listening audience

Unknown Speaker 11:59
honestly the denim brand what is the Dun and Bradstreet number? You look at it? What is the Registry Number basically,

Unknown Speaker 12:03
in layman's terms, just like Equifax like is is your for your personal, you know, credit report, you know, you can pull your Equifax or your TransUnion or anything like that. Well Dun and Bradstreet is the same thing, but it's for businesses, so they keep a record of your business and whatever type of business loans or credit that you have, and they tell other business creditors that you are worthy of receiving credit.

Unknown Speaker 12:30
Really, that's what they do. That's what they do. That's what they do you have to apply for a DUNS number and those businesses normally when you set up, you know where you can apply for a DUNS number.

Unknown Speaker 12:39
Yeah, and check and see you might already have one based on some of the other loans that you might already have, because several loans you do have to have a DUNS number, and I do know that for one grant or loan I applied for or I did it for a customer they actually called Dun and Bradstreet and told them and Dun and Bradstreet gave them their number. So yeah, if you if you received the pet grant, you had to have a DUNS number in the in the state of Nevada, called Brad Dun Bradstreet to make sure that you had a number. FYI, I don't know if you knew that or not, but they did.

Unknown Speaker 13:12
Got it. Got it. I think that just that's working on your business not working in the business. And we talk about like you know, having different relationships and things like that, you need to have relationship with your business, you should use need to have relationship like you need to know what the EIN number is you need to know and the different attributes of the business like you know, you know, your wife or your girlfriend, boyfriend, husband, you know different attributes about you need to know how your business functions. You know, what makes what makes you money? What know what you do you need to get to know you. I mean, we spend time getting to know your business. You know, what, how do you market to bring customers and what works and what doesn't work? How do you bring customers in the door? How are you spending your money? Yes. How are you spending your money? How are you saving your money? How are you saving? How are you paying you?

Unknown Speaker 14:06
How are you paying yourself? Are you paying yourself?

Unknown Speaker 14:08
Are you paying yourself?

Unknown Speaker 14:09
They say you should pay yourself first? Pay yourself first? Yes, and your workers at the same time.

Unknown Speaker 14:17
But let us get paid for or at least put some aside. Right? If you make $1 make sure you get at least 10 cent of it. Yeah, make sure you get at least 10 cent of it. That's only fair. Hey, you did the work. Right. You did the work. You did the work. It has been an amazing 20 I had an amazing 2021 I actually am learning through doing a lot of personal development stuff too. That's fantastic. And a lot of personal development I've had since being in COVID things are kind of you know have to be home a little bit more and really learning to enjoy my house. That's wonderful. Really learning to enjoy my house doing a lot of reading and catching up and watching tick tock. People watching to talk

Unknown Speaker 15:00
I haven't been watching Tic Tac I've been really busy even really

Unknown Speaker 15:02
haven't had a chance yet really? Okay, so talking about advertising your business, and I'm watching a lot of professionals do these 30 minute clips, and really promoting their businesses on tick tock. Do you know, I know, Instagram I think is another one. You know, I feel like all because every time I turn, look at this stuff, I just get overwhelmed because there's so much stuff going on. But I'm watching people build their businesses on social media.

Unknown Speaker 15:33
Some people can do that, depending upon what services they offer.

Unknown Speaker 15:38
So what services can do that? That's a very good question. Like hair salon.

Unknown Speaker 15:43
What do you say on tick tock

Unknown Speaker 15:44
when you're watching it? I see a lot of therapist. Wally. Yeah, like I'm watching therapist talk about different relationship issues. Getting a whole bunch of likes is having controversial stuff. You see a lot of silly stuff to write that makes

Unknown Speaker 15:58
you laugh, a lot of videos and people dancing and having a good time that too,

Unknown Speaker 16:01
okay, I see that too. Okay. But every once in a while I'll come up, you know, just some some good stuff. Okay, tick, tick tock. Really, it's engaging.

Unknown Speaker 16:09
Well, the thing is, is that if you have a product that you want to sell to a younger demographic, that's where you'll find them on Tik Tok. Because the younger folks have left Facebook. They're teetering over on Instagram, they teeter on Instagram, but they absolutely love Facebook, and they're absolutely on tick tock. So depending upon whatever services your business offer, whatever products you sell, you may want to take a look at tick

Unknown Speaker 16:30
tock, if you are, if your demographic is a younger demographic, correct. Okay, so Facebook is for old people.

Unknown Speaker 16:37
I didn't say that as we slowly change. I didn't say that. I said that there is a group of folks who love Facebook, and they haven't abandoned it yet.

Unknown Speaker 16:47
I'm not gonna lie, I don't even know how to use you. All I know is how to open it up and then hit like on you know, you hit like when you like something that you may be tired of coming in. But that is my extent, that

Unknown Speaker 16:57
is how you use it. Unless I

Unknown Speaker 17:00
know what people are posting and taking Well, I'm just learning really how to use the phone to take pictures. And

Unknown Speaker 17:06
oh, you don't know how to use your phone to just post on Facebook for your friends to see, it's hard. You have Apple Don't you know I have a galaxy, you have like this Samsung Galaxy, oh my God, that's the easiest thing to do is to take a picture and add it to your Facebook page via your phone, you ought to be ashamed of yourself.

Unknown Speaker 17:21
And I said it out loud on the radio, and I'm not good at it. I'm not good at it. And because if you see me post something, just know, that took a lot of effort. A lot of time, and a lot of effort. Okay, I'll keep that in mind. You know. So that's when people take pictures, and I'm on that picture. Okay, you know, I'll share that. Real easy, just share it, you just share it. But now it's being a business owner, I can tell you that working on my business, especially I work on my business in my schedule, hard in November and December, to get ready for the following year. And January through October, I spend most of my time working in the business and just tweaking the plan that I set in November and December for the year, right. And I've noticed now I've been doing that for about five years. And I've seen the growth in the business.

Unknown Speaker 18:15
And that's one of the tools you have to use. And I think we discussed this last year, we said to all business owners, hey, stop and think about where you want to be in 2022 and 2023. Stop and think about what every quarter how much money you want your business to make. And then stop and think about what systems can I put in place to make sure that I make that amount of money those

Unknown Speaker 18:32
quarters that wasn't on this radio show?

Unknown Speaker 18:34
Yes, it was, was it? We did discuss this. We actually we've discussed it a couple times. But we absolutely discussed it in November last year, we spoke and we and we touched on it in December because we wanted everybody to be ready, you know, we didn't want to write to just take off on the holiday and eat a bunch of Turkey and steak and stuff and not think about what are we gonna do next in our business, you know, because there are some businesses that are thriving, you know, some businesses did thrive through COVID. And then there's some businesses who are trying to hang on, but you need to have a system in place for wherever you are in the business realm, and just know that it can change and it can change can change overnight,

Unknown Speaker 19:06
it can change overnight. Just got to keep on pushing,

Unknown Speaker 19:09
gotta keep pushing, gotta keep pushing, gotta keep marketing, gotta keep promoting, gotta keep networking, all those things that we discuss all the time, you have to continue to do it because you are working on your business by doing those things. But the other

Unknown Speaker 19:21
side too, is you have to understand your product. You do have to understand if your product is obsolete. If it's Oh, like right now, you can't sell DVDs, you're not selling DVDs, because everybody's streaming music. That's why you have to know that you have to understand if your product is relevant. And then how do you shift and change to get to to get into what is up and coming and just be aware of your competitors.

Unknown Speaker 19:45
And if you had a chance, I hope you you stepped into the CES convention that was here the first week in January because they gave you a lot of information on all the new technology that is coming up here in the United States and worldwide. So if you You're a techy person, or if your business uses technology, hopefully you were there to see all the new things that were coming up that might be able to help you with your business. So CES was here, Fi ISD did take place, it did take place, okay. And it was a hybrid, they had some stuff online, and then some stuff in person. So you know, it was it was cool.

Unknown Speaker 20:16
You know what's important, though, when you are when you are a professional or you are just joining associations, like if you're a notary joining a notary Association, if you're an attorney, that the legal associations, accountants, the accounting associations, so that you understand what are best practices in your industry, what's changing, and what's going on, and you go to go to conferences, yep, conferences are actually good ways, if you are a printer, and I'm sure there's a printers Association, or something, and I'm sure they have a conference to talk about the different printers and how to be more efficient and effective in your business. And don't just get caught up in this bubble. We're just you if you are a therapist, I'm sure there's a Therapy Association, they have therapy conferences, going to conferences, networking, meeting different people, hearing what people are doing around the country, joining groups,

Unknown Speaker 21:09
and don't forget to have your mentors. Yes, and and your professional folks to help you with your business. Your lawyers, your accountants, your CPAs, your doctors, your bankers, to have your squat around you at all times. And to check in on those people don't always just call them when you have a problem. You don't blow the phone up. I'm good attracts they just call and say hello just texted about you send a text. Hey, just thinking about you hope you're doing well

Unknown Speaker 21:35
and write letters. That's really nice. I do I write letters I do I write letters, and I'm thinking about you hope all as well. So that way when I call, they know, various things to think about it is is that you kind of try to touch people, people that are in your circle, at least once a month. Yeah, so it might not be a long conversation. But it could be a text, hey, you know, just thinking about you hope all as well, right? But just want to touch people just so I know, for me, being you know, being a homeowner. And those of us that are homeowners, you know, stuff goes on in the house all the time. So you got to have got squad got to have people. And when I first bought my house, like HVAC was something that was that was really it was I'd had no clue I met a guy that was HVAC, we built a relationship. And as far as building the relationship, he was telling me different things that I could do to maintain my system. And just in general conversation, and I started doing it and I started saying hi every once in a while on things. And one time I had a real issue. And I was telling him about it. And he was like, You know what, Liam come over, and I'm gonna help out. And he did. But it was just touching base, nothing, didn't want anything and didn't realize that I was building, you know, just the equity in relationship for him to be able to own people call me. I have an accounting question. All right, I'm listening. I'm gonna shoot, let's go. Right, exactly. I can help out. I can answer the question. But it's relationship equity. Right? That's relationship equity. And that's huge. It is. It's huge. So, list out is January, you're working on the business list that audit professionals you need, you know, like the marketing person, the accountant, the attorney, the insurance person, we talked about insurance, it's your day, and I told you the first person the first bills I pay is always insurance. That's right. Always pay them first. And every year, I have a conversation with my insurance broker about where we are, where I need to be, because a lot of things can happen during the year. That's right, home value can increase car value can decrease. So we're analyzing all of my insurances to see am I getting the best rate is artists and things I need to change? Were there any major changes in my life, like when my daughter went to college and moved out the house? Well, I didn't realize for a while I was carrying Who am I insurance, and I didn't and I didn't need to write but had I not had that annual conversation and not when I was definitely sure that she wasn't coming home. I was like, Okay, take her off. Right. We no longer need to ensure she's not here. She has a DC driver's license, right? Not here. So having those conversations continually and it's not it's not hard. It's just consistent. And just thinking outside of the box building, building the relationship having good relationships.

Unknown Speaker 24:22
Yep. That's a beautiful thing. We must have them people. And don't forget network network network. And there are people doing networking over zoom.

Unknown Speaker 24:30
Your network is your net worth. That's right. That's right work is your net worth, you just do a

Unknown Speaker 24:35
class with urban Chamber of Commerce.

Unknown Speaker 24:37
I did about that. Okay, so I did a class with the Urban Chamber of Commerce, and we were talking about business. And they wanted me to come in and talk about a tax portion. But I kinda wanted to talk to business owners because they tend to get a lot of people just starting their business and they really don't know what they don't know what they don't know. So we started the conference. sation dialoguing about number one being intimate with your business. Who is your squat? The same thing we just talked about, you know, who is your banker who is your attorney who is your accountant, and people that are credential. You know, because anybody that's an attorney, you can go to the Nevada State Bar and look it up to see if they're their CPAs, the same thing, Enrolled Agents, you go to the IRS website, you can see and credible, dealing with credible professionals. And my issue was my new thing. But I know people that are making stuff up and just knowing the difference between dealing with a credible professional, and someone that says they're credible, and then you can't find right. Knowing your business, knowing the attributes of your business, like what makes you tick, your business tick, When are your When are your peaks and valleys in your business. Because sometimes you might have a busy season, right? Sometimes it might be slow, but just being able to analyze it understand what it is and having that conversation. And we were talking about bases. If you have an LLC or an S corp, there's a thing called basis in your business. A lot of people don't have a clue don't have a clue or not, they get their returns done. And the basis is not calculated. And the basis is basically your investment, minus your distribution. And then your net income or net loss for the business that year is added or subtracted from your basis. And you need to know what your basis in your business is, especially if you have partners, you know what the partnership percentages? So we had that conversation. And we talked about oh, God, we talked about so many things. But mostly it was about some basic things as a business owner, you know, talking about you know, you have this product, what if you want to go public? What does it take for you to go public? Let's start to have the conversations because it is possible, right? There are certain things that you have to have in place in order to go public to have IPO. Don't be scared to conversation and don't shy away from it, right? Get the information and understand what you need to have in place in order to do an initial public offering. having those conversations and different communities to let them know, you know, the money is out there. If you're willing to do the work and you have the product, you just have to have the right people around you. Right and the people around you that know how to get it done. Watch no watch, listen, learn. Don't know what all

Unknown Speaker 27:23
the angel investors are out there they are. Right? For the right people the right the right the right business and the right product, the right.

Unknown Speaker 27:31
They are there. So we had conversations about that it was so funny because I asked I did ask Deleasa Delete. I love to Lisa urban Chamber of Commerce. She's the manager there now. And I'm asking to Lisa, I'm like, okay, they put up a yellow sign because I'm a Toastmaster, too, they put up a yellow chart. So all my Toastmasters out there, you know, yellow means that you should stop. And I was like, okay, so I gotta speed up. And you know, I finished the presentation. And afterwards I was like, Lisa, how did I do? She was like, well, at the point that you were 25 minutes on a 10 minute presentation. I was like oh, she said Believe it everybody was engaged. And because we were so engaged and we you were you were given us so much information. We didn't want to stop the presentation. Because everybody was engaged. And I'm like God it she was like and we want to take everything that you were talking about and break it down into different into part of our ducks in a row series. So that we can so that we can educate our business owners because education seems to be sometimes what's missing it Yeah. Even though we say the same thing over and over again. Education is what's missing

Unknown Speaker 28:35
this right. Well, thank you for tuning in today to Let's Talk with Lee and Rhonda on KU envy. We Today is Saturday is nice go every weekend. We'll see you next time bye

Unknown Speaker 28:55
you ever been listening to a paid program sponsored by Crawford management group and smart time consultants. Please be advised that the voices and opinions you heard do not necessarily represent the views of K u and v Las Vegas, the University of Nevada Las Vegas or the Board of Regents of the Nevada System of Higher Education.

Transcribed by https://otter.ai