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

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?

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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

Is Barack Obama the Face of America

When you look in the mirror do you see an image staring back at you that reflects your ideal image of beauty? Take a moment to describe the ideal woman’s physical features. What color skin tone does she have? How much does she weigh? What do her eyes look like? What does she wear when she goes out on the town? How is her hair styled?

Now take another moment to figure out the answer to this question: Where did your idea of beauty come from?

Because think about it, even though Donald Trump is now President of The United States, the world still sees Barrack Obama as President–so if the woman you described as ideal does not look like the woman you see in the mirror, chances are along your life journey you were bamboozled by someone’s impression of what a woman or beauty should look like.

Now don’t be upset. In our quest to decipher our purpose and mission in life we often adopt the beliefs and expectations of those around us in order to gauge whether we are living life correctly.

Suppose you were taught at an early age that you were expected to finish high school, go to college, get married, have children and retire by age 55. Those seem like reasonable life expectations don’t they? Well, how do you know that those expectations were the right path for YOU?

Now go back to the woman you described as your ideal image of beauty. Chances are you’ve met her before and it caused you great distress. Where did you meet her? Was she the woman who stole your first boyfriend? Was she the little sister who came along and stole all of the attention away from you when you were a child? Was she the most popular girl in high school? Was she the woman all the boys drooled over as she crooned pop music on television? Was she the girl who won all the awards at school without ever trying?

The point I am making is simple. If the ideal woman you imagined does not look like you, somewhere along the line you compared yourself to another woman and felt that you fell short. Somewhere along your life journey, you decided that there was another woman in existence who had something special that you did not. Somewhere along your life path, you listened to opinions about what is right and wrong and you decided not to decide for yourself.

Question: When is the last time you said to yourself… “I look good.”

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SurveyStud: In the App Store

Her Value

It’s not a secret men can’t — and won’t — commit. Trust funds and Instagram have made them troubled, or rather I should say trouble. But as I sit here watching my pizza fizzle in the microwave, I’m wondering does a fear of commitment give a person the right to disappear or reappear whenever they like?

This topic has randomly popped up over the past couple of years. I have a mentor (Amy Goldenberg, Consumer Research Analyst, SurveyStud, Inc) who constantly tells me I should date older man and forever pushes the lyric of “It’s better to be an old man’s sweetheart, than a young man’s fool.” I have friends who will only date older men. There is plenty of evidence that supports dating someone who is older, but is it truly worth it?

A nod must be given to the knowledge that women mentally develop faster than our counterpart. In this scenario, a woman is looking to date a man around her age. Depending on her standards, most men end up coming up short, whether in maturity level, finances, emotional intelligence, etc. Older men have the appearance of experience, wisdom, and theoretically are more stable when it comes to relationships. However, Im sorry but mentality I can’t get over seeing saggy balls… gives me the creeps.

For men, dating and older woman is sometimes the ultimate goal. I feel as though men tend to date women who are younger, but when get upset that she’s more immature than he thought. The older woman has the appeal of being more grounded, willing to hold her man down and/or can provide for him in ways that he can’t provide for himself.

On the flip side, older people in relationships can be more controlling. They can demand more of you than you have to give and force you into situations you weren’t ready for.

I’ve dated men who were younger than me, and I would be lying to say that at the time, it didn’t bother me. When I was younger, I looked older, and now that I am getting older, apparently, I look younger. Placing an emphasis specifically on someone’s age does not always mean that he/she is the one for you. If you were born in the Millennium generation, look to your left and look to your right. We are beginning to understand that there is no age to maturity, or stability, or experience. We are the generation learning to express ourselves while at the same time learning that life can not be placed on conveyor belt and handled in an orderly manner.

It doesn’t bother me as much anymore if I date someone younger than me. I still place a cap at a certain age for my own purposes. But I implore you, my fellow brothers and sisters, to look for more in a person than what year they were born compared to yours. What matters is how you connect with the person and where you can see yourself going with that person. What matters is how that person makes you feel, or how much your face hurts because they can’t stop making you smile.

If everyone thought deeper about who they were with, why they were with them, and were more self assured, we all wouldn’t worry about the woes of dating someone older or younger than you.

Question: How do you feel about dating someone elder?

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SurveyStud: In the App Store