FREE GAME How Costco returns work with Mastercard: • Costco accepts Mastercard for purchases. • Costco does NOT process refunds back to Mastercard. • When you return an item bought with a Mastercard, Costco issues the refund to: • Cash, or • A Visa debit card, or • Costco shop card, depending on store policy and manager mood. So in practice: • You buy something with a Mastercard credit card. • You return the item. • Costco asks how you want the refund. • You give them a Visa debit card. • The refund goes to your bank account, not back to the credit card.

1)CREDIT CONSULTATION CHECKLIST https://www.dropbox.com/s/ybfyjxkyf4dihtp/Credit%20consultation%20CheckList.pdf?dl=0 2)CREDIT CONSULTATION SCRIPT https://www.dropbox.com/s/gq2zw313enr60s6/Credit%20consultation%20Script%20Final.pdf?dl=0

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Here's how I have updated our Buying options: Buying Cars with Cash: We purchase cars for $3,000 to $7,000 by liquidating credit lines and buying through private sellers. This approach has significantly boosted our performance. TRAC Lease with Westlake Financial: This allows us to lease cars under the business name and rent them out without any red tape. Navy federal: Financing a a car and getting multiple is still going on, they just do not send the check directly in the name of the person applied they put the seller name on the check as well. What we do is still get a few cars and turn the original title in that they want. No issues at all. Financing a $30,000 to $70,000 car just to rent it out like we did in 2021 is not in our playbook. The biggest benefit for buying in cash is - No risk of repossession. - Retained value for resale, enabling us to flip cars and make money in the interim. Just wanted to share with yall what cost us a few 100k in bad deals to learn. Banks that are easy approvals for personal Carmax and carvana but it is going to cost more. Best banks for business financing Ford financial , Mercedes Financial, and Bank of America now they require two years of business.