I've come up with ideas believe it or not that  were illegal. You'll even have sometimes your  
I've come up with ideas believe it or not that  were illegal. You'll even have sometimes your  

competitors putting things negative about you on  the internet to kind of tear you down.
competitors putting things negative about you on  the internet to kind of tear you down.

You're talking about problems that- big mistakes,  mistakes you made when you were kind of a newbie  
You're talking about problems that- big mistakes,  mistakes you made when you were kind of a newbie  

to all this. Yeah so like everybody else, I made  tons of mistakes. I feel like I made every mistake  
to all this. Yeah so like everybody else, I made  tons of mistakes. I feel like I made every mistake  

that you possibly could make when having a  business like, I would get refunds and you  
that you possibly could make when having a  business like, I would get refunds and you  

know no customer service person and you know you  just really kind of get started in something and  
know no customer service person and you know you  just really kind of get started in something and  

you just go because that's kind of my attitude as  you can kind of see. I'm always like just go for it  
you just go because that's kind of my attitude as  you can kind of see. I'm always like just go for it  

you know I have this idea my mentor  always told me done is better than perfect  
you know I have this idea my mentor  always told me done is better than perfect  

and so I loved that saying and I always was about  that saying just get it done. And so of course when  
and so I loved that saying and I always was about  that saying just get it done. And so of course when  

you just get it done sometimes in your business,  you are going to run across a lot of issues, you're  
you just get it done sometimes in your business,  you are going to run across a lot of issues, you're  

going to come across maybe a customer that's  not satisfied and you have no plan whatsoever  
going to come across maybe a customer that's  not satisfied and you have no plan whatsoever  

as to how you handle that. Yeah, you know what  I mean and it was just as problems rose up. I 
as to how you handle that. Yeah, you know what  I mean and it was just as problems rose up. I 

was able to create solutions but I don't think  that they were mistaken, it was not lack of  
was able to create solutions but I don't think  that they were mistaken, it was not lack of  

preparation because I don't feel like you could  prepare for every single mistake that you have  
preparation because I don't feel like you could  prepare for every single mistake that you have  

however, starting to think about you know what is  your policy on refunds, do you give refunds,
however, starting to think about you know what is  your policy on refunds, do you give refunds,

you know what I mean? How long, how many days,  how many months you know things of that nature.  
you know what I mean? How long, how many days,  how many months you know things of that nature.  

Accepting credit cards, this was a huge one that  I did not know about and hopefully most people  
Accepting credit cards, this was a huge one that  I did not know about and hopefully most people  

can learn about an easier way than I did. So  for example if you accept credit cards in your  
can learn about an easier way than I did. So  for example if you accept credit cards in your  

business and someone disputes that charge because  they don't want to pay you now, you know what I
business and someone disputes that charge because  they don't want to pay you now, you know what I

mean and I didn't even know that was really such  a thing because I never did that. I never  
mean and I didn't even know that was really such  a thing because I never did that. I never  

bought something and then disputed the charge on  my credit card. I would never in a million years do  
bought something and then disputed the charge on  my credit card. I would never in a million years do  

that so I was unprepared that that happens all the  time in a business where there are unscrupulous  
that so I was unprepared that that happens all the  time in a business where there are unscrupulous  

people that they got your product, they got  your service and now they don't want to pay for it  
people that they got your product, they got  your service and now they don't want to pay for it  

and creating policies around that, you know what I  mean? Planning for the worst. So if someone disputes  
and creating policies around that, you know what I  mean? Planning for the worst. So if someone disputes  

a charge for example even if they're absolutely  wrong, you know. They got your- they ate  
a charge for example even if they're absolutely  wrong, you know. They got your- they ate  

your hamburger, you know what I mean? They ate it  and it's delicious and now they go to their credit  
your hamburger, you know what I mean? They ate it  and it's delicious and now they go to their credit  

card a day later and they said no, I  didn't charge, that was not me, that wasn't me,
card a day later and they said no, I  didn't charge, that was not me, that wasn't me,

that still reflects poorly on you as a  business owner. One, if you don't respond  
that still reflects poorly on you as a  business owner. One, if you don't respond  

so that was a thing that every time someone  disputes a credit card charge, you must respond  
so that was a thing that every time someone  disputes a credit card charge, you must respond  

to it, you have to have a policy, you have  to hey this is what they ate, here's what  
to it, you have to have a policy, you have  to hey this is what they ate, here's what  

they did, here's the receipt and just a lot of  those nuances that really trip me up because  
they did, here's the receipt and just a lot of  those nuances that really trip me up because  

if you don't respond to those things, you  won't be able to accept credit cards. Yeah,  
if you don't respond to those things, you  won't be able to accept credit cards. Yeah,  

yeah, yeah, that's a big deal. Did you  have to incorporate or at this point do you  
yeah, yeah, that's a big deal. Did you  have to incorporate or at this point do you  

have legal counsel that works for you? I mean  obviously they would just be yeah you know  
have legal counsel that works for you? I mean  obviously they would just be yeah you know  

you're a client but I mean at a certain point  in your business, you said I've got to have lawyers  
you're a client but I mean at a certain point  in your business, you said I've got to have lawyers  

at a certain point. I think I should have done  that earlier. So we're talking about a big mistake.
at a certain point. I think I should have done  that earlier. So we're talking about a big mistake.

I didn't think I needed an attorney until someone  sued me. You know that was the thing and  
I didn't think I needed an attorney until someone  sued me. You know that was the thing and  

that was wrong thinking. I really- it was your next  drug deal. Exactly you know you get pictures,
that was wrong thinking. I really- it was your next  drug deal. Exactly you know you get pictures,

exactly, now you need a lawyer. Those are the things  when I thought you needed a lawyer but no you need  
exactly, now you need a lawyer. Those are the things  when I thought you needed a lawyer but no you need  

a lawyer to help you draw up a lot of the  things that you're going to do, a lot of your  
a lawyer to help you draw up a lot of the  things that you're going to do, a lot of your  

policies, even to advise you. I've come  up with ideas believe it or not that were illegal.  
policies, even to advise you. I've come  up with ideas believe it or not that were illegal.  

Can you give us any examples? Do you remember  anything. I'll give you an example. I was telling  
Can you give us any examples? Do you remember  anything. I'll give you an example. I was telling  

my lawyer one of the policies with the refunds  just talking about as an example and I have no  
my lawyer one of the policies with the refunds  just talking about as an example and I have no  

refunds, you only can get stock in my business or  something like that or something like that is what  
refunds, you only can get stock in my business or  something like that or something like that is what  

I was saying like instead of your money back to  your card, I'll give you some type of stock or  
I was saying like instead of your money back to  your card, I'll give you some type of stock or  

something that was like a store credit, something  I came up with. Totally not legal, not allowed, bad  
something that was like a store credit, something  I came up with. Totally not legal, not allowed, bad  

so it was just an idea that you had suggested.  I did, this will work you know instead of because  
so it was just an idea that you had suggested.  I did, this will work you know instead of because  

I didn't have a store to do a store credit. You  know now I have books and a few other things so  
I didn't have a store to do a store credit. You  know now I have books and a few other things so  

you can give a store credit but before you have  those things, you can only just give them their  
you can give a store credit but before you have  those things, you can only just give them their  

money back. You can't necessarily rectify it and  so those are some of the ideas that I need to help  
money back. You can't necessarily rectify it and  so those are some of the ideas that I need to help  

with with an attorney like if someone's not happy,  if someone is making a false claim against your  
with with an attorney like if someone's not happy,  if someone is making a false claim against your  

business, you know the internet is real. You got to  protect your reputation, you'll even have sometimes  
business, you know the internet is real. You got to  protect your reputation, you'll even have sometimes  

your competitors putting things negative about you  on the internet to kind of tear you down. So just  
your competitors putting things negative about you  on the internet to kind of tear you down. So just  

little things like that. Yeah, you definitely  should seek legal counsel and an accountant  
little things like that. Yeah, you definitely  should seek legal counsel and an accountant  

a lot earlier than I did. Were you  ever able to avail yourself of like boilerplate  
a lot earlier than I did. Were you  ever able to avail yourself of like boilerplate  

documents that are just out there in  the public domain or did you google  
documents that are just out there in  the public domain or did you google  

legal docs? In the beginning, I used a lot of  those documents that were out there like if  
legal docs? In the beginning, I used a lot of  those documents that were out there like if  

you googled you know a contract for example. I  did. I used a lot of that stuff for many years  
you googled you know a contract for example. I  did. I used a lot of that stuff for many years  

and it does work   and again, I'm not an attorney so I  
and it does work   and again, I'm not an attorney so I  

don't advise people to do that but at the same  time, it's what I did and it worked and then as  
don't advise people to do that but at the same  time, it's what I did and it worked and then as  

you grow, when you get more money in your business,  then you can get an attorney to draft your own  
you grow, when you get more money in your business,  then you can get an attorney to draft your own  

contracts. You know things that I have now but  in the beginning, I totally googled contracts. I
contracts. You know things that I have now but  in the beginning, I totally googled contracts. I

totally you know recommendation of attorney, I did,  I edited contracts and kind of did them myself and  
totally you know recommendation of attorney, I did,  I edited contracts and kind of did them myself and  

it worked for a while and then as you get to a  certain point, if you're making three, four
it worked for a while and then as you get to a  certain point, if you're making three, four

hundred thousand dollars a year,  you know even those numbers you got to start  
hundred thousand dollars a year,  you know even those numbers you got to start  

investing into. Is your attorney  a family member? No, definitely not. Definitely  
investing into. Is your attorney  a family member? No, definitely not. Definitely  

not. What about your accountant? Definitely also  not a family member. Definitely referrals from  
not. What about your accountant? Definitely also  not a family member. Definitely referrals from  

more successful people too. You know that was  another great piece of advice is get attorneys  
more successful people too. You know that was  another great piece of advice is get attorneys  

that you can't afford. Get accountants that you  can't afford. You know don't think that oh okay,
that you can't afford. Get accountants that you  can't afford. You know don't think that oh okay,

I only have $50 so I have to get this guy. You can  get someone better and maybe just pay him $50 and  
I only have $50 so I have to get this guy. You can  get someone better and maybe just pay him $50 and  

then that's what he takes each month you know  what I mean so that you can get a better quality  
then that's what he takes each month you know  what I mean so that you can get a better quality  

of attorney, a better quality of accountant because  you're going somewhere. You know what I mean? I feel  
of attorney, a better quality of accountant because  you're going somewhere. You know what I mean? I feel  

like if you have a vision of where you're going,  you should also pick lawyers, accountants, people  
like if you have a vision of where you're going,  you should also pick lawyers, accountants, people  

around you that are to that level, not just where  you are. Wow, that was an amazing episode.
around you that are to that level, not just where  you are. Wow, that was an amazing episode.

If you want my new book, you can get it absolutely  free at noellesfreebook.com. Get my new book  
If you want my new book, you can get it absolutely  free at noellesfreebook.com. Get my new book  

Real Estate Millionaire Secrets absolutely  free, you just cover the shipping and handling.  
Real Estate Millionaire Secrets absolutely  free, you just cover the shipping and handling.  

Go to noellesfreebook.com, that's n-o-e-l-l-e with  an s, noellesfreebook.com. I have poured my heart  
Go to noellesfreebook.com, that's n-o-e-l-l-e with  an s, noellesfreebook.com. I have poured my heart  

into this book and I am teaching you all about  real estate, how I started with bankruptcy, bad  
into this book and I am teaching you all about  real estate, how I started with bankruptcy, bad  

credit, no money and how you can do the exact same  thing too. Check out my new book because I want to  
credit, no money and how you can do the exact same  thing too. Check out my new book because I want to  

make sure that you have all of the resources,  all of the tools and all of the knowledge that  
make sure that you have all of the resources,  all of the tools and all of the knowledge that  

you need to be successful. This is Noelle, to your  success. That was building in me and I really  
you need to be successful. This is Noelle, to your  success. That was building in me and I really  

had to get into my faith. Everything's still good. I  still feel connected. Yeah, I have love in my life.
had to get into my faith. Everything's still good. I  still feel connected. Yeah, I have love in my life.