Talkcast Transcript - Nacho

From CaseyPedia

This is a transcript of a talkcast conversation on 21 March 2007 between 'Nacho' (actually famous Casey Serin Haterz™ 'T', using her cat's name):

CASEY: OK, we'll go with... let me see, do we have anybody near here? We have Nacho - Nacho, how are you doing?

NACHO: Casey, my man, how are you doing?

CASEY: I'm doing great. How are you doing, Nacho, where are you from?

NACHO: I'm doing good - I'm from Southern California.

CASEY: Southern California. A good place to be.

NACHO: It is beautiful down here. Listen, I have a question. I know a lot of people are wondering - what's up with the murse? Can you give us some suggestions on where we go to buy it, how much they cost, which side, left or right, we carry it on?

CASEY: Sure, sure - well, you know, this is the second version of it. I used to have another one made by Guess - Guess Jeans. That was a really good one, but then that one got dirty because I wear it all the time, and this one my wife actually bought for me as a gift because I really miss my version number one. But you know what, there's different kinds out there, you just have to look around, find what works for you. It can't be too big, it's gotta be just the right size, and it can't have too many open pockets because I found myself loosing pens and loosing my PDA which would just keep flying out. This new one I have completely zips up so I can actually run with it if I'm... you know, trying to run away from somebody or catch somebody.

NACHO: So it's sort of like Goldilocks and the Three Bears - you know, not too big, not too small, right?

CASEY: Yeah, there you go - you got it.

NACHO: Which side do you traditionally wear it on, the left or the right?

CASEY: It's normally on my right, cause I'm right-handed so I can reach over and grab my PDA or my digital camera...

NACHO: What's in the murse? That's what we need to know - what do you carry in it? Is it a Jack Bauer bag of tricks or what?

CASEY: What was that?

NACHO: Is it a Jack Bauer bag of tricks and stuff? Do you have like C-4 and stuff in there? Or ammunition?

CASEY: I can't tell you everything that's in it. OK, how about this, I'll just tell you some of the contents, because, you know, I can't talk about every single thing in there. We got the digital camera, that takes the famous pictures. We got the PDA, that's also my cellphone, so I can get online and moderate comments.

NACHO: Sweet!

CASEY: We have a Hacky Sack when I get bored.

NACHO: Oh, that's nice.

CASEY: We have a notepad to write down notes when I'm talking to people. And we have...

NACHO: And do you like bird-dog sweet deals? When you're trying to bird-dog sweet deals, do you take...?

CASEY: Oh exactly, when I'm talking to the mailman, he gives me a sweet deal with the tip.

NACHO: OK, how about the Utah wrap? Any resolutions?

CASEY: Uh, you know, I said earlier in the call that, you know, I just haven't had the chance to finish that up. But it's still out there...

NACHO: Don't you think you should? I think that's worth a good hour or two, don't you think? I really do, I think it's good for the people that...

CASEY: OK, you know what, I'll take full blame for it. It is my fault for not taking care of it. There's really no justification on that one.

NACHO: And it's good, it's good that you want to take full blame and all, but are you actually going to take some action and do something about it? Because that's really... you know, talk is cheap, but it's the follow-through that's really important. Seriously.

CASEY: Yeah, exactly. Thanks for that advice.

NACHO: You're welcome. So what about G? I know she quit school, right?

CASEY: Yeah, she quit school. Just recently - we're talking yesterday.

NACHO: Did she get a refund on her tuition?

CASEY: I don't think so, as far as I know. We need to look into that. But it wasn't because we can't afford it - some viewers were saying "oh, she quit because we can't afford it". No, it was already prepaid so it was a really tough decision. But she's going to be helping me out because it's really tough for me to do all this stuff on my own. And now she's just... she really wanted to work on her degree, because she wanted to be able to in the future help us out by getting a job. But the thing is, without much education it's hard to get anything highly paid. But at this point we just need to do whatever (recording distorted)

NACHO: Do you think she's starting to resent the fact that she had to quit school and go to work to help you guys out financially?

CASEY: Hey, you know what, that might be part of it. We're going to have to deal with that issue.

NACHO: But is that affecting you in the bedroom?

CASEY: (Laughs)

NACHO: Hey, people want to know!

CASEY: Surprisingly, none of this is affecting it, no.

NACHO: Oh nice, nice - so Casey's getting some! Good for you. OK, about your hair - how much do you spend on highlights in your hair, and how often do you get it cut? We need to know!

CASEY: This one's from about a year ago, it's been growing out really long, and I got highlights back in... when I was in Rio Rancho, when I was in Albuquerque last year trying to sell that Sonora property which I sold in an auction, which was really a fun sale. That was one of my successful deals, and I ended up getting highlights there because... well, you know, it's something you gotta do sometimes, to change your look.

NACHO: So do you feel compelled at all to pay any of your credit card debt off?

CASEY: Well, of course, it's not like I'm saying I wanna pay off every dirty penny just to make it sound good.

NACHO: But like I said earlier, it's one thing to say you wanna do something but another thing to take some action, you know?

CASEY: I know, I have a bit of a history for saying one thing and not doing anything about it, so I don't blame you. But at the same time I thought at the beginning it would be such an awesome story, a comeback story and show so much success to be able to pay everything back, but at the same time I think I had a bit of a wishful thinking going on because I didn't realize when I first started what kind of a hole I was in. The hole's so big that at this point I'm really out of options.

NACHO: I know, I know, but you know what, you fill up a bucket one drop at a time, you know what I mean? You have to look at it that way.

CASEY: Yeah, but here's what's going to happen. I pay a credit card, even fifty bucks, that doesn't do anything to the collection process. Here's what happens: it's gonna go and get discharged and then they're gonna try to sue me and try to get that money. So that fifty bucks could have been used better in something where I can actually make money, perhaps doing another deal...

NACHO: Or maybe to go on a snowboarding trip? Well, maybe you could spend it there!

CASEY: (laughs)

NACHO: I mean, come on, think about that, though. Don't you feel bad doing those things knowing that you have debts to pay? Oh, good question, have you been taking the trash out regularly?

CASEY: Are you the one that reminds me every time on the blog?

NACHO: No, I'm not. I'm T - I'm the one who offered to help you with the Utah wrap.

CASEY: Well, OK, you know... (Casey's reply distorted)

NACHO: Well, I gave you my work details, so how much more do you need to trust me?

CASEY: Well, you know how it is, I get so many calls and so many people trying to play pranks on me. (rest of reply distorted)

NACHO: I understand.

CASEY: But with the trash, I've been OK. I'd say about 75% success. There's been a couple of times I've seen the trash truck on its way and I'm running out the door to try to get the trashcan out, and there were once or twice when I missed it. But I'm doing pretty good, I think.

NACHO: Do you and Nigel Swaby - do you guys have a flirtatious relationship?

CASEY: (laughs)

NACHO: You know, is there maybe a bit of bi-curiousness there? People wanna know?

CASEY: Which way do you swing?

NACHO: I like men, I like men. Big strong men.

CASEY: Well, all right. I guess the name says it all, Nacho.

NACHO: Nacho is my cat.

CASEY: There's nothing going on. Look, he's married, I'm married, he's a blogger, I just wanted to talk with him about some possibilities for the future, so there's nothing going on. But people don't believe me, people make their own assumptions, so...

NACHO: Yeah, that was a joke, I was just kidding. But he seems a little shystie, Casey, he seems like he's grabbing onto your coattails. How do you feel about that? I don't think that he's really a solid guy. But then again...

CASEY: Well, if there's something coming back, I don't mind, some of the traffic and all that. So if it's a win-win relationship, it's all good.

NACHO: Win-win! Drink! We're kind of joking - all your antispam words, everybody's having a drink every time you say one, so...

CASEY: Yeah, they keep repeating them back to me. I guess those antispam words became a hit.

NACHO: Yeah, they're pretty popular.

CASEY: Hey, do you have any more things to say? By the way, I do like the name Nacho.

NACHO: That's my cat, my cat's name is Nacho. I didn't think you'd take my call if I put my real name. So anyway... Jamba Juice - what's your favorite flavor?

CASEY: You know what, Jamba Juice overall is not as healthy as people might think. It's definitely better than drinking Coke, but most of that stuff's frozen, and even though it's all natural, meaning there's no added sugar, I like my stuff fresh out of the juicer. So the only thing I really drink there is wheatgrass shots. I also do freshly squeezed OJ and freshly squeezed carrot juice.

NACHO: Wheatgrass, does it give you gas? People wanna know!

CASEY: (First bit distorted) You should try it, you know, it has a nice kind of a sweet aftertaste.

NACHO: Does it give you the runs? Because it looks like it would.

CASEY: Does it give you what?

NACHO: The runs. Diarrhea.

CASEY: No, it's good. Because normally, I spend a little extra time on the toilet and so wheatgrass comes out. You know what, the times I spend extra on the toilet is good because I can moderate my comments on the PDA in downtimes from my busy schedule. But then I still prefer to get the wheatgrass (distorted)

NACHO: OK, another question. Your phone bill is extremely high. Don't you think that it would be in your and your creditors' best interests if you reduced it?

CASEY: What's extremely high? I'm sorry.

NACHO: Do you really need to check your comments on your PDA? Really, do you?

CASEY: Yeah, I check it on there. Because, the thing is, I gotta keep them flowing. People start complaining when I'm not letting them through fast enough. And I tried to get some people to moderate for me, but there are some issues with that because there's the issue of accountability and who can I trust and that kind of stuff. So I've been trying to do it on my own as much as I can. But things are going to change moving forward. The future of this blog is that there's going to be less of me and more foreclosure help and more credible offers and I'm going to really take it to the next level with the help of some people.

NACHO: Right, let's talk about the hater blog, because you talk about it all the time, like these people are out to get you...

CASEY: They are, yeah.

NACHO: Don't you think that many people went on to the other site so that their comments could go through, so that they could talk in real time because you were taking a really long time to moderate the comments? Don't you think they just wanted another place to speak the truth?

CASEY: I don't mind them speaking the truth, but you know how it is, you've seen them. Wouldn't you agree that some of them go overboard? I mean, we're talking taking pictures of my family and putting some really nasty comments on them and even modifying some of the pictures. What would it be like if they did that to pictures of your wife and your family?

NACHO: I understand, but that's why I make sure what I have on my MySpace or whatever is not pictures that people would take and use, and I haven't infuriated people and made people feel like part of what you did.

CASEY: I'm honestly surprised at the level of hate out there. I have a friend who's a blogger and he says he's never seen haters this bad before.

NACHO: I have to say this for Dolph, because he gets infuriated when people call us haters. We're realists, as my Miguel would say, and we just want the truth. And we feel that you're being shystie and really secretive and you're not being transparent. And also, you don't want to go get a job! You know, go get a job and do this stuff on the side! There's nothing wrong with that!

CASEY: Are you saying I don't have a job right now? I mean, I've talked about how I'm doing consulting jobs and I have money coming in.

NACHO: So are you, like, gonna pay taxes on that money?

CASEY: Yeah, of course. I'm not doing cash under the table type stuff. I'm not dealing wheatgrass shots on the side here!

NACHO: You're not?

CASEY: No, no, no, I mean I like to consume 'em legally.

NACHO: I understand you've been brainwashed by these gurus, I understand that, Casey. But there's nothing wrong with a real job, there's nothing wrong with that.

CASEY: Oh, I'll be the first one to agree. You know, it's funny because every time I try to say something about a job, every time I say something, and I like to show both sides to people, everybody focuses on the fact that I'm saying the job is bad. I'm not saying the job is bad. In fact, if it wasn't for a stable job...

NACHO: You're calling the people that work for a living cube-dwellers and W2ers and 9to5ers like they're wasting their life. You know, some people do things that they enjoy. I recently got a promotion, Casey, with a fat increase - that's nice. You know, that's nice.

CASEY: Yeah, that's really good. When I was working at Pride Industries I really enjoyed the fact that I had a stable paycheck coming in. It's just that I got a little too impulsive. I should have kept my full-time job and I still do have money coming in from jobs I'm doing, and I may go back to a full-time job. There's nothing wrong with it.

NACHO: Why can't you do those jobs on the side and work full-time as well? Don't you think that that would be what's best for your wife?

CASEY: Are you really saying that everyone who's a realtor and everyone who's self-employed should go out and get a job? Are you saying self-employed is not a job?

NACHO: OK, my friend's wife is a realtor. She works at Marty Rodriguez Real Estate, which is one of the largest real estate offices in the San Gabriel Valley. And she's already looking for other work.

CASEY: Well, that's fine, not everyone's going to be successful and self-employed. But don't you know self-employed doctors or lawyers or successful realtors or anybody who doesn't have a W-2 but still makes money? It's not like W2's the only...

NACHO: But you haven't been successful! So isn't it time to try something else?

CASEY: Well, you know, I never said I'm not going to get one. I'm definitely considering that, and since I do still have money coming in through some of those other sources, it allows me to stay flexible so I can still kind of be in real estate a little bit, and other opportunities.

NACHO: Do you understand that the real estate market is tanking? Do you have a grasp of that?

CASEY: Oh yeah, that's why I'm looking at other investing opportunities, not just real estate.

NACHO: And do you understand that you bought in at the worst possible time? You do understand that, right?

CASEY: It's not like you can't make money in a down market. My local Rich Dad, he made his fortune in the last downturn in California. But of course he had a lot more experience.

NACHO: Was he able to secure loans?

CASEY: Well, he could secure loans, he had money partners, he had mentors. See, I kind of started off without any mentors guiding me, and that's kind of one of my problems. And I didn't have any construction experience.

NACHO: You know what, Casey? I don't think mentors is your problem. I think you've got enough with these guru mentors. I think that that's the last thing you need. What you need is a kick in the ass, from somebody who's going to tell you the truth. Seriously. Someone who's going to tell you the truth.

CASEY: I appreciate you being upfront and giving me a little dose of reality, as you said.

NACHO: Well, that's how I roll, trying to keep it real. I'm just trying to let you know, man, that you need to start looking at things differently. You've been going a certain way and it's not working out for you, and you really need to change the way you're viewing life.

CASEY: Well, I appreciate it.

NACHO: Because everybody that you owe money to is going to get shafted, and then in turn taxpayers are going to have to pay... you know, foot the bill. Are you worried about going to jail?

CASEY: I've already kind of addressed it, but the thing is, if I live my life in fear, what good is that gonna do?

NACHO: And you don't think that you deserve to go? You don't think that what you did was basic thievery?

CASEY: Well, the thing is I wasn't out to rob banks, I was out to make a business and that screwed up.

NACHO: But Casey, you did everything fraudulently. Come on, you knew in your heart that that was the wrong thing to do.

CASEY: Part of me was thinking that maybe I shouldn't be doing stated income loans because even though everyone seems to be OK with it I had a little bit of a gut instinct. I should have listened to it, you're right.

NACHO: And you understand that when you do things wrong like that, sometimes you have to pay the piper?

CASEY: And do you think I'm paying the piper?

NACHO: No, not yet. Not by any means, no.

CASEY: You don't think that all the financial stress and the issues I'm going through is not enough?

NACHO: Absolutely not, Casey - I think you should be out there working your ass off, two jobs if necessary, paying five bucks a month on every single bill if that's what it takes to pay this stuff down. I think you should be calling your creditors and making some sort of payment arrangement...

CASEY: You know what? Check this out, put yourself in my shoes. Even if I get three or five or ten jobs right now I'm not gonna be able to catch all my loans up, so they're going to go to collections and they're going to start suing me. So if the only good thing I can really do right now is bankruptcy protection or refinance all those loans...

NACHO: If you pay five dollars a month on any bill, they can't send it to collection, Casey, do you understand that?

CASEY: Sure they can.

NACHO: No they can't.

CASEY: If I don't pay the full monthly payment I can't just keep letting them go... That means I can just pay a dollar on all my loans and they'll just keeping indefinitely. They're not gonna do that.

NACHO: I'm not talking about the foreclosure loans, I'm talking about the credit card bills.

CASEY: Even the credit cards.

NACHO: You have to do something to try and right this wrong. Who's the guy who has the blog - I am 344thousand dollars, whatever the hell it is, in debt.

CASEY: Yeah, the Ramen guy, he's eating Top Ramen, he's doing all this other stuff.

NACHO: He's doing the right things. If you would do those things, people would be behind you. People would be giving you suggestions and telling you what to do. Do you understand that?

CASEY: Well, you might have a good point there. But I wonder if that guy's really for real, though. Do you think a person can survive on Top Ramen for six months?

NACHO: Oh yeah.

CASEY: Do you think he can eat that crap and still be healthy and still be safe?

NACHO: Yeah, throw some vegetables in there. Casey, the last thing you need to worry about right now, seriously, is eating your vegan... your mildly vegan... Seriously, you throw some vegetables and a little bit of whatever, some chicken in the top oven. Have some beans and rice, that's fine. Buy a big-ass bag of beans and a big-ass bag of rice and cook it up.

CASEY: I do do that, I... (reply distorted)

NACHO: It doesn't seem that way, Casey, it doesn't seem that way. And that's what people do when they're in debt. That's what people do when they're in debt when they know that God is watching them and want them to do the right thing. And you know this, you say you're Christian. You're Christian, right? Or are you Mormon?

(pause)

Did you disconnect on me? Oh, you son of a...

(click)