Curiosity & Real Estate

So my Tinder “friend” left his phone unlocked when he went to the shower, so I let my curiosity get the better of me. I couldn’t help but wonder, was I losing trust in him or was I really just curious?

I noticed his Tinder profile as I was swiping through, and I couldn’t help but wonder, should I be mad at him for not deleting his profile, or am I equally to blame, because I still have mine?

In my mind when it comes to relationships, it’s always prudent to aim for a man with class, and direction over a boy with swag. But this “friend” is different. Different in the since he is 27yrs old, with an incredible mind for business specifically real estate.

The guy owns 26 apartments, and 10 moving trucks, and did not come from money. So again I’m like curious as hell as to how he got his start. Well long story short, he caught me on his phone… and I flat out asked, “are you a drug dealer? How are you doing all of this at 27?” He shook his head, took his phone, dressed then left.

Fast forward: I did not hear from this guy for a month or so–then out of the blue I got an email from him:

When you think about making money, you have to think about helping and serving others. Why? Because that is where money comes from. Other people.

There are two main ways to serve other people. You either add value to their lives or you provide a service to them.

In the real estate context, this is the difference between the dealer (flipper) and the investor. The flipper is the add value person. The investor is the service provider.

Let’s start with the dealer. You go out to a neighborhood where you properly evaluate a home to be worth $120,000. That is the after repaired value or ARV. Because of reasons such as death, deferred maintenance, divorce, foreclosure or taxes, you are able to buy it for $75,000. In this case we’ll say $20K in deferred maintenance is the reason for the low price. You now purchase the property for $75,000, put $20,000 into rehab and have about $5000 in holding and closing costs. This puts you all in at $100,000. You put it on the market and sell the property in a couple of months for $120,000. This gives you a net profit of $20,000.

First let’s look at where the $20,000 came from. Did the real estate give you any money? No. It was the family that bought the property that gave you the money. You made money because you added value to other peoples lives.

Now let’s look at the investor. Take your average 40 unit apartment complex or 20 single family homes. You are going to net about $4000 per month if run effectively. Where does that money come from? Again, it comes from other people. It comes from providing a service to the families that you are providing a place to live.

It is important here to make a distinction between the dealer and the investor. If you will think about the $20,000 versus the $4000 it can sometimes look like the dealer is the better deal. However, let’s look closer.

If you’re a flipper and you buy, fix-up and sell a house profiting $20,000, how long does it take you to spend that money? For most people it’s not very long.

Remember that dealing is not investing–it is not investing. It is earned income so it is taxed differently.

First you have to pay both sides of the social security and Medicare. That is about 15% right there. Then you have to pay your income tax and that can be an additional 25 to 35%. So if you have to pay the lower tax, that means that 40% of that $20,000 is gone the minute you close the deal. You are left with $12,000.

Now let’s say that your bills, car note, house note, food, toothpaste…everything comes to $4000 a month. How long does it take to spend that $12,000? Just 3 months.

To get another $20,000 what do you have to do? You must go out and find another house and do it all over again. This is active or earned income and you are taxed as such.

Now let’s look at the investor with the 20 rent houses and $4000 a month profit. If their bills are $4000 a month and every month those 20 rent houses hand them $4000 a month, when do they have to go back to work? They don’t.

This is the difference between financial independence and self-employment. A dealer or flipper is just self-employed. He or she is constantly working to get that next house and get that next quick fix.

An investor is done. They are truly financially independent, hence this is how I got started. I bought a small apartment for $27k, moved in with my parents, rented the apartment out–then bought another within a year. I just kept buying apartments. Then realized people need away to move their stuff so I bought a junk truck for $4k blah blah blah.

I never saw that guy again. Matter-fact, he blocked me on all Social Media, and my number.

Question: You think I missed out on a good thing?

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SurveyStud: In the App Store

Cunnilingus 101

So lets talk about cunnilingus a.k.a. eating pussy, crunching the carpet, mustache extension or whatever grotesque names out there.

I can report I had a horrible experience a few days back, hence I feel it’s time to bring this topic to the front of the congregation. So I turned to trusted friend Amy Goldenberg, Consumer Research Analyst, SurveyStud Inc, to help “the guys” understand exactly what to do when mouth meets vagina.

Please remember going down on a woman is chess not checkers. Meaning you have to watch, learn, understand her body language.

Anyway lets get to the matter at hand:

Please stop pointing your tongue

We don’t want to name names, but lots of people out there go straight for sword-tongue when they start giving a woman head. Please do not do that.

“Most women do not like a pointy, hard tongue on the clit,” said Goldenberg. “Try flattening your tongue and using broad strokes.”

Repeat after me: broad strokes. BROAD STROKES. The hard, jabbing tip of your mouth-muscle is giving nobody an orgasm any time soon.

Go ahead and use your hands

In my experience, most cunnilingus-providers aren’t afraid to shove a finger or two up in there while going down. Which is great. Goldenberg suggests curling two fingers up towards her belly button once they’re inserted, and using a “firm ‘come here’ motion” to stimulate the g-spot.

But! Fingering her isn’t the only way to incorporate your hands.

“You can also use the labia to massage the clit by gently pressing the lips together and kneading the clit between your fingers,” said Goldenberg. “Putting firm pressure on the mons pubis (the mound) and incorporating circular motions will also help to awake the nerves.”

To toy or not to toy (to toy!)

There’s a misconception (I hope it’s a misconception, anyway) that men out there are intimidated by sex toys. Nothing can replace a real, human dick, so don’t worry. But that doesn’t mean a good toy can’t help with oral, especially because – well, you probably can’t get your dick up there at the same time, and sometimes it’s nice to have penetration that doesn’t involve a fingernail.

Stay the course, a.k.a. pay attention

There’s nothing worse than when your partner has found a really super rhythm with you, they’re licking away, and then suddenly they decide that because you’re so into it they should start going as fast and hard as humanly possible just when you’re about to cum.

Instead, if you’re doing something that has your woman writhing with pleasure, just fucking keep doing it. You will know she’s writhing with pleasure by the fact that she is writhing. In order to notice that, though, you’ll have to get out of your own head (ha) and focus on her movements.

“Often, when women want more they will thrust their hips towards your mouth,” said Goldenberg. “Once you found the movement that works, repetition is key.”

Forget what you learned in high school

If what you learned in high school is that forming the letters A-Z with your tongue is the way to make a woman come, I regret to tell you that you’ve been woefully misinformed.

“A big misconception is that people should write the alphabet with their tongue,” said Goldenberg. “This is silly, because when you’re concentrating on letters in your head, you’re not paying attention to her signals in the moment.”

Any suggests creating suction around the clit, as if it were the head of a penis, and always using a flat tongue to go back and forth.

Keep these rules handy, and you will have a happy lady on your hands. And in your mouth (COULD NOT RESIST.)

Lady Whiskers

Every woman has that one humbling flaw that keeps her (somewhat) grounded and human. Some have struggly feet, others bad skin and the rest eye-watering breath, deformed thumbs or unflattering facial hair–no no no let’s call it what it is, a freak’n mustache. I said it, a mustache.

Now I’m very grateful for the genes that my parents have passed down to me. The fair-skin/facial hair struggle is real, and it’s the one thing my family line could’ve kept to themselves! My “Lady Whiskers” has caused a lot of insecurities to develop over the years that I’m just now working past.

“Why don’t you just shave it off?”

Well my friend, it’s not that simple because it grows right back with a vengeance. It’s not obnoxiously noticeable, but it’s enough for me to acknowledge every time I look into a mirror.

For those who endure this struggle, have you ever went/gone to an eyebrow wax and the lady asks do you want a lip wax too? Really. Everytime this happens I smile, and say no thank you, but in my mind I’m thinking… GZus lady, stop drawing attention to it–because the one time I actually allowed you to handle the stache, I walk out with a red and swollen upper lip.

Then theres the never ending shade on selfies, I’ve become a filter queen. I also find that I keep my hand over my mouth thinking it will keep people from noticing it. Truth is it don’t. Oh yeah, I can’t wear certain lipstick colors because they highlight my lip whiskers.

Bottomline, I’m not one to waste tons of dollars on different methods to see what sticks, so if I can find one good method that is effective and doesn’t break the bank that would be perfect!

Question: Does anyone know any methods which could help me fight these lady whiskers?

Leave a comment below…

SurveyStud: In the App Store

Pressure and Expectations 

As a woman I find or feel I have a lot of pressure and expectations put on me without a vote in the process.

It’s like I’m expected to get married, I’m expected to give head, I’m expected to have kids, expected to do so so many things, I’m not sure I want to do. When do I get a say in what I want to do, instead of having the pressure(s) of expectations thrust upon me.

I’m 23 soon to be 24, and you know sometimes I don’t feel like giving head, and marriage… OMG, really, I can’t freak’n pop popcorn without burning it–never less being a wife.

I just want to do what I want to do. I want to walk around in sweats with no bra and/or makeup, and watch Orange is the New Black or whatever, and not feel pressured to do anything. I want to flat out say NO, without feeling inconsiderate or sitting for hours wondering if my text response was rude. I just want to be me.

As a child women are drunkened with the “this is how you should behave,” attributes–however, I feel somewhere along the generations, someone forgot to tell/teach me/women its ok to be who you are. Its ok.

Now I’m not saying I dont want the family thing, because I do–not now, not just yet. I want to live with out feeling I got to do X,Y, and Z. I want to say I have to pee without feeling trashy. Oh another thing I want to do… I want to tell or say excuse me (within 2 seconds) to the person standing in the middle of the isle at the grocery store.

OMG OMG this may seem strange but guys do it all the time. But me, no I freak’n stand there like forever without saying anything, because I don’t want to seem rude.

But guys like my dad or brothers, man they will say excuse me, keep it moving and its done.

Question: Do you feel woman have unwanted Pressure and Expectations?

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SurveyStud: In the App Store

Venting…

I remember the first time I tried to describe the physical sensation of menstrual cramps to my dad. His face twisting into a horrified grimace.

Yes. Yes, it can be. And many of us deal with it every month. But unless you’re our SO or close friend, you’ll probably never know about it. Because we still manage to get sh*t done.

There are a lot of similar struggles that women experience all the time — some silly and small, some alarmingly big — that many men might not be aware of or understand. For example we’re always expected to look nice. And to look happy and have a pleasant demeanor. Seriously, sometimes we want to go outside with frizzy hair and no makeup and sweatpants and not talk to or smile at anyone. I also hate white I go to sleep on white sheets, with a white pillow, and wake up with sheets that look like a 1st grader just colored all over them… uggggghhhh.

OMG what about thinking about your safety ALL the time… Where you walk, how dark it is, where you park, who is in your general vicinity at all times. Parking at the mall? Don’t park near a van! Want to stay late studying? Better have someone walk you to your car. It’s exhausting honestly.

See guys dont have these type of thoughts and or problems.

Then you have the petty stuff i.e… painting your nails with the non-dominant hand–how about going-upstairs boobs. Sleeping face down boobs. Hello I’m going to hurt for no reason today boobs. Boob bra knot boobs. We’ve fallen out and going to do our own thing today boobs.

Don’t judge me, I’m venting…

If I happen to run a few errands or God forbid go to school or work without makeup on and I run into someone I know, I get ‘hey are you okay? You look sick.’ And then when I do wear makeup and I look all cute and presentable, I’ll hear, ‘yeah guys definitely like the natural look better.’

Then there’s the stress of an unexpected period, but then also the stress of an unexpected not-period.

Then theres shaving my kneecaps. Twenty-three years of practice and I’m still awful at it.

Finally because I don’t want to bore you with my problems, but ANYTHING and everything you do with the opposite sex can ([and] probably will at some point) be interpreted as being a tease or leading him on.

I could go on-and-on. Sorry, thanks for reading 🙂

Question: What’s something you want to vent about but for whatever reason have not let it out?

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SurveyStud: In the App Store

The Ex

I like designer bags but I don’t necessarily like baggage. Not the “ex” kind of baggage. At my age, it’s more likely than not that anyone I would date/end up with has baggage. It’s a term I don’t like because when you find the right guy, his baggage doesn’t seem so much like “baggage” as it does a “pretty package.”

For example, before I met the man I’m now dating, I made it perfectly clear to any man I went out with that I come as a package. If you date me, you’re also, for lack of better description, dating my kid. Meaning, you have to get along with her, she has to like you, and you almost certainly will be my second priority.

When you have a kid, it’s easier to date someone else who has a kid or even children. They usually understand if you have to bail at the last minute because your child is sick, they like children (because they already have them), and they understand why a child can turn from an angel into a sobbing heap on the floor within 10 seconds.

But what I’ve never quite understood is the baggage that is known as “the ex.” Rather, I understand it; I just don’t like to deal with it.

One of my exes had an ex-wife who acted as if she were still his wife. They had no children and it was hard for me to fathom why this woman would still want to go out of her way to decorate his place, ask him to drive her to the airport, and buy him flowers. There is nothing worse than an ex who doesn’t realize she is an ex (at least for the person dating the man/woman.)

The man I’m dating now has gorgeous, kind and sweet children. I thought God was looking down on me, finally, when I fell in love. Plus, his ex lives a 40-minute drive away, is not in my social circle, and we didn’t have any friends in common.

But of course, I was a little naïve. I recently found out that this ex is following my every move on Facebook — which is fine, but, it makes me uncomfortable, especially when exes of the man I am dating, or the men I have dated, check me out. My boyfriend and I are serious, to the point where we both would like to be included in every aspect of each other’s lives. This includes school plays (which he attended with me when my daughter was recently in one) to birthday parties. One of his children has an upcoming birthday party. As we slowly blend our families together, I don’t want there to be any drama.

My ex’s ex-wife (the one with no children) actually wanted to meet and hang out with me. My response was, “Why?” But if I do plan on being a stepmom with my new man, I do understand why I may have to meet my boyfriend’s ex-wife. Do I want to do this? No. Do I think if we can get along at least politely it will be best for the children? Absolutely. Does she have to like me? No.

But if my ex was/is dating another woman who could possibly be my daughter’s stepmother, I would for sure want to meet her, at least once, to make sure that my daughter is safe. My daughter, her safety and her happiness, will always be my first priority, just as I’m sure that’s my boyfriend’s ex-wife priority.

Question: If you have any ex-partner/parent advice… I’d really like to hear your thoughts.

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SurveyStud: In the App Store

Saggy Breasts

As a 20 something I would have never thought saggy boobs represent some sort of canonistic experience for women of all ages regardless of social-economics, and or demographics. See unless you saw me naked, you would never guess I have saggy boobs. Yes I said it. I have saggy boobs.

It’s like one morning I woke up, rolled on my back and my boobs just didn’t follow with the rest of my body. I’m not kidding, when I lie down, 80 percent of my breasts fall into my armpit. It’s really cute.

At the ripe age of 23, they’re completely deflated. I thought boob sag would only come after pregnancy, but I was wrong. Gravity is a law. My body has abided.

Sometimes I wonder what I did to gravity to deserve this boob sag. Sometimes I’ll lift them up, look in the mirror and gawk at how much of my body they cover up. My upper ribs are constantly in the shadow of my under-boob.

When I hit puberty, my ta-tas were a size D. I even had stretch marks in high school because my chest was #blessed. But at around age 20, my overwhelming D-cups deflated to modest C-cups.

Another thing I noticed my boob sag is my biggest insecurity when it comes to hooking up. They look great when they’re tucked up into a bra, but once that comes off, they’re just going to flop out. It’s like opening a bag of chips only to find more air than chips.

Then there’s the gym… OMG!!! Has anyone else gone to the gym, attempted to do some crunches and all of the sudden notice half your boob is leaking out the side of your sports bra? Just me? OK.

If you have saggy boobs, sports bras work their magic by reinforcing everything, but your boobs just get flattened against your chest in the most unflattering way. They do this droopy, separation thing as you run on the treadmill. It’s just not cute.

No matter what bra cup size you have, you probably struggle to find bathing suits that fit well. I laugh when I look at string bikinis because they’re just something I’ll never be able to wear. Ever since I grew these damn things, bikini tops have been my worst enemy. Either I’m busting out of them, forming an attractive quad boob (when they spill out the top) or there’s no support whatsoever. That’s when I contemplate just avoiding beaches altogether.

My cleavage used to be difficult to cover up. Now, I can only create Victoria’s Secret-worthy cleavage when there’s a gravity-defying push-up bra involved.

So I wrote all of this to say, you are not the only woman to deal with boob sag.

Question: Have you ever experienced boob sag?

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SurveyStud: In the App Store