Serving Pizza With COCAINE? | Beneficial Owners Registration? | Biz To Biz Podcast

You are now watching the Biz to Biz Podcast with Allen and Justin. Yo, what's up everybody? It's Justin live from B2B Vault, the Biz to Biz Podcast sponsored by Nationwide Payment Systems, hosted by this guy, the Tom Brady of payment processing himself, Allen Kopelman. What's up, bro?

It's another day.

Cheers to that.

Coming up to the end of October. Yeah, it's, uh, at least we didn't get another hurricane.

True that.

So that's good. So what do you think about this? So I see this like clothing brand on, you know, Facebook and Instagram and then TikTok all the time, Fabletics, and it's with, uh, Kevin Hart.

Kevin Hart's Clothing brand.

Yeah, well, he's part of the clothing brand. So I was like, that's crazy. They're so—

they're like, oh, get invested in it.

Yeah. So I don't know if it was from Shark Tank or not. I wonder.

I have no idea.

So, so I was like looking at it and I was like, oh, that's interesting. So I go on the website, says, oh, you can get a deal, blah, blah, blah. Okay, what's the deal? So it's like the pants are like $200.

No, not familiar. I don't know.

No, no, I'm just telling you, I don't dress like Arnold Palmer. No, I'm just telling you, the pants are like $200, but to have them on sale for like $19. So I was like, oh, what's the catch? I'm reading, reading, reading, can't find anything. So I go put it in the shopping cart, and then I get to the end and they have a $59.99 monthly fee and then you can get a discount on clothes. I don't know, that seems a little— and then, you know, they're definitely not obeying. They need to obey the click to cancel law because the only way they had to cancel it was to call a phone number.

I don't know.

No, I'm just saying it's a little— I think that's— what do you think about that? Like in paying a monthly fee to—

I myself would never do it because, yeah, I don't, I don't, I don't know. I don't have much to say about that. If you can afford to pay $60 a month to get a deal, I guess it's worth it.

I don't know, I don't know. Seems a little, seems a little off to me. That's a lot of money. $60 times 12, a lot of money, $700 a year.

I don't know. I mean, how much clothes do you buy? I mean, you're asking the wrong person about fashion, bro.

I mean, I love fashion and like, well, like, just in general, would you pay a membership fee to get a graphic?

No, no, I wouldn't because I can't afford it.

Okay, I'm just— okay, besides that point, I mean, I wouldn't pay a monthly fee, Allen.

No, I wouldn't. I I don't, I've never been a fan of curated boxes that they have, none of that shit. Like, I don't like being a part, I'm not a fanboy. I don't, I'm not a big, you know, I don't know what to say about it. Like, bro, give me a white tee and a pair of cargo pants. And as long as I got a hat to put on, I'm straight.

Okay.

So.

No, I'm just wondering what you think about it as a business model.

That's all. Well, you didn't ask me that. Well, that's what I thought about it. Yeah. When I think about it, I don't have shit to say about it because I can't afford it and I would never do something like that even if I could afford it. Secondly, as a business model, it's probably smart because people are fucking broke. So I mean, anywhere in any way to save a dollar, people are looking to do that. I don't know if I would join something that's $60 a month I mean, I guess, I don't know. I don't buy clothes often like that.

I know, I don't buy— I mean—

My wife forces me to buy clothes because my shit will be falling apart before I buy clothes. So I need new sneakers. My feet stink, she says. So, you know, that's something I gotta somehow budget for. So that's something else, you know what I mean? But anyway, man, as far as a business model, it probably works. It's definitely working for him because Fabletics has been around for a while.

You know, I don't know that. I guess they have a new Kevin Hart, uh, whatever collection. Dude, you are late to the show. I don't know, I never saw it advertised.

Sorry, man, but you're like a couple years late. Okay, Fabletics has been around for a long-ass time, and it's been— I'm 90% sure it's owned by Kevin Hart. It's his shit. Like, it's his, it's his brand. It's his whole— it's like his idea, actually.

Okay.

Because he's— he likes to work out, you know. I don't—

I guess if you buy stuff every month, maybe it's worth it.

I mean, if you could afford to go shopping every month, it must be nice.

Yeah, I guess. I don't know.

You could take advantage of that, you know. As a person who doesn't take advantage of those types of things, you know, I, I can tell you, but as a business model, it's probably working for him. Because people are trying to save money.

So, okay.

I don't see people in the gym with his clothes on though. I don't—

I mean, I guess I'm not really paying attention to what people got on either, bro.

So I don't know.

I don't know.

Do people wear that golfing? I don't know. Is it just— is it office attire?

Yeah, you could wear it to the office.

I guess.

I mean, it's the new thing. Everything is like, for some reason, like you can't buy regular pants and shirts anymore made out of like denim or cotton or whatever. Everything is made out of this like stretchy material. Yeah, like everything.

I don't wear polyester. Everything is picky.

Everything is just like stretchy material stuff.

Yeah, even the hats nowadays. Like, this is— I bought this at the stadium and and I didn't really pay attention to it. Oh no, this one is 100% wool. I'm doing— there you go. Okay, so yeah, but I'm just saying most of the time they're not 100% wool no more. They're, they're trash.

Yeah, yeah, mixed, mixed up. Yeah, but everything is like these stretchy—

they're not even mixed, they're 100% polyester. That was just my Orioles hat yesterday, is 100% polyester.

Whatever. I don't know what happened to all the fabric?

I guess there's not enough sheep.

Not enough sheep? Well, oh, for the wool? I don't know. I guess people—

sure, a lot of sheep running around America.

There's a lot of sheep running around America. All right, here's a, here's a good story Justin will like. So in Berlin, Germany, the, uh, my home country, the, uh The— they had— I guess there's like— the police were visiting this local pizza shop in the western city of Düsseldorf, and they noticed that a lot of people that were going into the pizza shop— the police noticed that they were— or everybody was ordering the number 40.

I've seen this.

Oh, you see? Yeah. And I guess also they have to report their food sales to the food inspectors or something. Right. So they saw like, it's very, very popular. So I guess the police decided to order a number 40 and they got delivered cocaine.

Is it the pizza establishment's fault or is it possibly an employee? Well, the first thing I thought of is some— an employee was really smart. He was a genius, right? Because I worked at Jimmy John's. Okay, I can neither confirm nor deny I did something similar, but, uh, yeah, man.

Um, well, it was definitely tied to a drug ring. They busted the manager. He had like kilos of coke in his house.

Yeah, that's what I'm saying.

And a whole bunch of cannabis. And there was another number for cannabis too, and you could get of cannabis.

I mean, smart.

They were delivering it for— with the pizza. Whoever—

I wonder how the police found out about it.

Oh, because they said that the, the police were like— I guess they were eating at the place and every— a lot of people were ordering the number 40, so that just triggered some—

they were just cop—

I guess they decided to place.

Oh man, the number 40, you should have switched it up.

Why is everybody— and it wasn't on the menu, right? So people were like, oh, the number, I'll have a number 40.

That's jack— that's messed up.

And I don't know if they were in uniform. They obviously probably—

say no to drugs, kids. Ladies and gentlemen, say no to drugs. I do not condone selling drugs, doing drugs, especially narcotics. I mean Cannabis ain't a drug, but whatever.

So they were selling that to the guy, then like they busted over 150 people that were involved in this drug ring.

Somebody got to snitching.

I don't know who threw them in.

The manager started singing.

But I think the—

because the manager probably wasn't the guy who, you know, whatever.

Well, they busted a whole bunch of— a whole slew of people. They said the guy behind it was like 24 years old. I don't know, it's, uh, maybe there was more than one pizza shop in on the deal too. Maybe he was distributing through many pizza, pizza places.

Maybe, possibly.

It's interesting.

I guess crime, coke and pizza just doesn't go well to me for whatever reason. I don't know, like I've never been.

I guess it was just easy to deliver it because you get a pizza, the pizza shop selling extra pizzas and they're just dropping off the number 40.

Well, yeah, it's easy.

And, you know, the person doesn't look like— it's like Domino's if they started delivering cannabis. Have some cannabis and your pizza. It's not far-fetched.

The cannabis and pizza makes sense to me, but the coke and pizza, just like I don't know anyone that does cocaine. Like, yeah, man, I want a slice.

The fuck?

Yo, give me a slice of that pizza, B. Like, I don't just see that happening at all, but I could be wrong. I don't know. I never hang around a bunch of cokeheads, so I sold drugs.

I don't know which number— they didn't mention which number the cannabis was, but apparently they got— you could get that delivered then.

Like I said, you know, to each his own.

All right, what kind of news story do you—

I got nothing, man.

Nothing in the news?

There's nothing that I feel like I really want to talk about, bro.

Okay.

So just nothing besides like, I don't know.

I already said it yesterday.

Shout out to Tribe Called Quest for being inducted into the Rock and Roll Hall of Fame. I'll keep saying it every podcast until something else happens, I guess. Okay. But yeah, I mean, I don't— I think that there's nothing cool that's happening. I'm not— I don't want to talk politics. I don't want to talk about the economy. I mean, businesses are It's a really shitty time of year. It's the end of the year. It's slow. It's like, uh, I don't know. I'm, I don't know. I'm trying to be as upbeat as possible. Okay. And I'm just not. I'm just having a little—

so here's another crazy thing. So I know we talked about it on the podcast before where, you know, Apple They parted ways with Goldman Sachs.

Apple just got— they just lost the lawsuit, right?

So then nobody knew why they got— why they were exiting, like Goldman Sachs wanted to get away from them. So it came out this morning that Apple and Goldman Sachs are fined— they have to pay $19.8 million in redress, not sure what that's about, a $45 million civil penalty, And that's all stemming from them not submitting— like, you know, you use your Apple Card, or you, you know, you're specifically the Apple Card through your Apple Wallet, and they were not submitting the chargebacks correctly when people wanted to do a chargeback.

I've read something else.

And then they also were enrolling people in buy now pay later.

That's what I read.

And not disclosing the interest rate. So it's two parts of the lawsuit. And then Apple obviously has a different bank now, so they don't have—

I took my card out of my phone. I'm going back to Android, going back, going back to the dark side.

Back to the dark side. Okay, so that's, that's kind of crazy that that all finally came to—

that finally sounded really doom and gloom. I'm not going back to the dark side like that. I just want— I'm just done with the whole Apple product thing.

I don't care.

I I can't, you know, if you want to call me, you can call me.

Phone works, the phone. Listen, we should all switch back to the flip phone.

I'm not going that far, but. I used to lose my flip phone all the time.

Really?

All the time. I'd have to go get—

I like the BlackBerry personally.

I'd have to go get a new damn phone from the corner store every other week. Every other week.

I used to like the BlackBerrys with the keypad on there.

Yeah, the BlackBerry was nice.

I like that. That was the, you know, that was—

that was a World Series start tomorrow.

Yeah, it's like 2-3-2. 2 games, 3 games, 2 games. So I guess— I don't know who's the home team. Yankees?

I would have to check.

And then so here's another thing that's been going around. I've been getting a lot of emails about this. It's the beneficial owner, BOI registration. So just so everybody knows, this is another thing that's free. You don't have to pay for the BOI registration. Everybody who has a corporation is required to do it. So if you have a corporation prior to 2023, you have to complete it by the end of 2024. You have to go on the website for FinCEN, f-i-n-c-e-n.gov/boi, and fill out the form and you register all the beneficial owners of the corporation. I think this has caused a lot of trickle-down issues that we're seeing in our business right now. I'll explain that in a second. And if you registered your corporation in 2024, I think you have like 90 days to complete that. So everybody has to do it. So if you haven't registered your corporation, register your corporation. It takes about 15, 20 minutes. Just have— I did it and it wasn't completely ready. Have your driver's license and the driver's license and Social Security number for everybody who's a partner in the company.. And I guess this is a kind of a kind of going back to some of the states which you have Delaware, Wyoming, Nevada. I think there's maybe a couple of other ones. I think Alabama might have this too, where there's a few other ones where they don't disclose, you know, they don't disclose the owners of the corporation on the public view websites. So then it's hard for the government to know, is everybody paying their taxes? So hence this came rolling out. And when that came rolling out, that also started—

if I don't want the government—

don't have a corporation, run a DBA, don't have a federal tax ID number. So if you have a federal tax ID number and you have a legal, a corp, an LLC, whatever it is, you got to go and register.. But I'm seeing a lot of companies getting shut down by like Stripe because the owners are outside of the US and now they're closing down all these merchant accounts. It's like on Reddit all the time. And, you know, people will, you know, have a post on there about like, oh, if you get shut down by Stripe, blah, blah, blah. But I would say 80 to 90% of the people who contact me are from outside the U.S. And then they're— they have a U.S. corp, they have a federal tax ID, but don't have a social. Because they don't have a social and they don't have this registration, they're not going to be able to run that corporation. So I don't know, that's— it's, it's becoming— and who knows, maybe at some point in time the credit card companies are going to go Oh, we want people to give us a copy of that. I don't know. We haven't seen them ask for it yet, but maybe they'll start asking for it in 2025. Probably, you know, to make sure everybody's registered and compliant because you can be fined up to $500 a month for not complying or $500 a day. Excuse me.

Wow.

A day per day. So yep, get that thing, get that done. It's super, super, super important.

That's crazy. Yeah, $500 a day.

Yeah, $500 a day.

It's a lot of money.

Yeah. So the other thing that's rolling around a lot is this whole thing about pay by bank, and now it's hitting like a bigger thing, a bigger story line now because Yesterday, the Congress and the Consumer Financial Protection Bureau, which doesn't actually exist, right? Even though it does exist, right? It's not a real— it's not a real, uh, federal body or something. I don't understand how that works. So they're like coming at— they're trying to finalize all their rules for open banking, and then Visa announced that they're going to come up with some kind of way for people to somehow use your Visa card, but essentially pay by bank. But paying by bank involves, you know, scanning a QR code from a receipt, then connecting to the software, then connecting it to your bank, logging in, and then pushing the money out of your bank account. Right. So I just don't see— and I see Walmart talking about it, you know, they want to—

no one's going to do that in life.

In line.

That shit sounds like it's going to take forever.

Yeah, it's like—

I feel like we talked about this already.

Well, we talked about pay-by-bank already, but I'm just saying, becoming a bigger story now because of them doing the— doing this, making these new open banking rules. So it's like popped back up in the news.

I can't speak for everyone, right? But like, I grew up in the inner city, and in inner city, you know, we, we're not connecting our bank to shit. Right, to nothing. Like, no ACH, no autopay, no none of that, right, right. And I just don't see that being mass, you know, adopted by the masses at all. It's, it's just doesn't seem secure to me either. Like, logging into the bank is just too much. Why Well, I don't, I feel like there's way too many people. It's just room for too many people to grab out of the Wi-Fi sky, right? Like people are smart and people have devices and shit. Like in—

No, can you imagine somebody's got like a camera? I don't know. It just doesn't seem like it's gonna slow the line down.

It's definitely gonna slow the line down.

I mean, it's like, I mean, I've seen people—

'Cause what if the internet is bad in the Walmart because it, 99% is because they have a metal roof, right? So like, I don't know about you, but I have AT&T, and when I go into Walmart, I pretty much guarantee I don't talk on the phone, right? Yeah, Publix and Publix too.

Yeah, Publix, I never have a signal in there.

Exactly. So I mean, how do you expect for, uh, you know, mass amount of people to use it? Yeah, I just don't— that doesn't make sense. Uh, The—

they're pushing that in.

Pay is, is, is, is great. Why do you— what else? I mean, I don't really understand how you can improve on that unless you're turning it into facial recognition and then, you know, you're totally bypassing everything. Once you, you know, your face pops on the screen or something, you're accepting the charges, blah, blah, blah. I mean, until that comes I'm not doing no damn pay by bank, bro.

Well, I don't think I'm— I'm not doing the biometric thing. I mean, I went to, uh, I mean, you already did it, man. What do you mean? You saw your phone. I don't have the biometric thing on my phone. I have it turned off. Oh, I have the face thing turned off, the thumb thing turned off, everything. All I got—

I've been arrested, put in my code. Have you ever been arrested?

Have I ever been arrested?

Have you ever been fingerprinted?

I've been fingerprinted.

Well, then your DNA, whatever the hell you want to say, your information, they have it.

Yeah, it's really weird when In Georgia, when you work in food service, if you work in a business that serves alcohol, everybody has to be fingerprinted.

Yeah, because you gotta—

that's even if you work in the kitchen.

Yeah, this is— I think that's everywhere.

No, that's in Florida. You don't have to do— you don't have to get a— you don't have to get a food— everybody want people because it's some food service license. You get raped.

Did rape drugs. You know, they want people to know. They want to know who's working and who was where and when.

Yeah. I'm just saying, that was the only—

A lot of criminal shit that happens behind a bar, bro.

It's the only state that I worked in where they made everybody register that worked in food service.

Oh, I never worked in food service.

No, no, I'm just saying, I worked in a lot of states.

I know a lot of people who did.

Right, but I'm just saying, they don't, that's the only state that made you do that was, in Georgia.

Like when I, when I lived in Jimmy John's food service.

Yeah, that's food service. I didn't have to have a license, right? That's what I'm saying. They made everybody register. So that's, you know, that's just what it is.

I was a delivery driver.

Really?

Jimmy John's greatest delivery driver. I got an award.

You got an award?

Twice.

I bet you were very popular. I was number 40, Justin.

It's very popular.

Justin had the number 420. Yeah, sandwich 420, Justin. Yeah.

And then I, uh, I totaled my car, so I had to work in the damn thing. And they— I was working at the register, and at Jimmy John's they used to pitch the sandwich at the guy at the register.

Yeah, they did, to catch it.

Oh, and for whatever reason, my Left hand was just not capable of catching these subs. And I got booted to the phones. I had to answer phones for, till I got a car. Then I quit.

Then you quit? Yeah. There's a sub place down here called La Espada's. And what they do is they slice the meat and then they like make, they make it like they lay it out for however big the sub is. And then after the guy slices the meat, tosses it to the guy, the guy catches it in the brick. And then they make another one, and after they put the toppings in, they put the other meat on top and tuck in all the toppings. So when they cut the sandwich in half, all the toppings is basically surrounded by meat. Pause.

Yeah. Anyway, I don't know, I've never been, never been. I don't need laspatas, I don't need You don't eat deli meats?

Deli meats? Okay, well, it used to be good for the football sandwich on Sunday.

Football-y?

Yeah, on Sunday you get a big giant sandwich, footy ball, and that's your food, you know, for the whole day. One sandwich can take care of you, the big giant one.

Yeah, go Bucs! Bucs won their season opener.

Oh, okay. Back to basketball. We have to go hit it.

Got a good rivalry going against the Heat. There's this video of Bucky the— Bucky the Bucks mascot. Did Jacob show it to you? No. I sent him a video. I'm gonna show it to you.

Okay.

Uh, the, the mascot is walking down the street in Milwaukee and there's a guy, um, in a Heat jersey.

Okay. And this nigga gets— that's crazy.

I'll send this to Sean so he can let everyone else see. This shit is hilarious. He knocked his ass out for wearing the Miami Heat jersey. Anyway, well, you—

that didn't go well when we went to the game.

That— yeah, I don't want to talk about That was a long time ago.

It was 2 years ago. It's 2 years ago.

Yeah, it was 2 years ago.

We got to go to another Heat game.

Yes, we do. And hopefully this team actually plays.

Well, they got to have all their players.

That's what I'm saying. So, I mean, I watched the bench play in the—

It's like a crazy time of the year. We have hockey, football, baseball, and basketball.

When does that go on? I can't believe that hockey is like still— It's already— how the hell those dudes who play— you hockey players, man, y'all are like the after— the most athletic people on Earth. Like, you're getting hit all— every game you're going full speed 24/7, and you play like 700 days out of the year. So like I don't know. Shout out to y'all, man. I hope y'all make— I know y'all make tons of money though.

So, you know, take care of your head.

That's, I guess, your brain.

Take care of your brains. Well, I wish Tua would wear that special helmet. He doesn't want to.

It's too late for him.

Guardian helmet. He said no.

He's got a guardian angel. That's for sure.

That's for sure. I hope he stays healthy.

I don't see it.

Happening. Well, I don't want to witness anything while watching.

I don't want to. Yeah, I mean, I don't, I don't know. The Packers played Jacksonville this weekend, I guess.

Yeah, tonight there's a football game. Thursday Night Football, Friday Night Football. We got football all the time now. Yeah, it's on every day. College, high school, pro. Man, can you imagine how late those damn Dodgers games are going to be on tonight?

What time is it?

8 PM.

I don't believe—

really? Yeah, it's an 8 PM start.

Well, that's not bad. If they do that, I'm cool with that. But if they start pulling the 9:20 games, oh, that's—

no, I can't deal with that.

I'm not watching.

That's early because that's 4 in the afternoon out there.

6.

Oh, 6, 3 hours. 3 hours. Okay, so it's 8:05. Yeah, 5 PM.

Okay, but they ain't gonna even do that on the East Coast when they play over here.

It'll be 8 PM.

Exactly.

It's crazy. All the games I saw, all the games are at like 8 PM. All right, well, peace out everybody. Have a great day. Have— enjoy the weekend.

Peter B.

Vault, carpe diem, kiss your mother, mash the button, subscribe, share with your friends, and peace out.

Peace.