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

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

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

Does She Swallow

Yesterday I was walking from the metro to my apartment; I was stopped by a man who began speaking to me.

I had my headphones in, but I heard him say excuse me, so I took them out and waited for him to continue talking.

I thought he may be about to ask for directions, but then he said, “You know, you’re beautiful… your hair.” This was said at normal volume, but then he followed it up with a whisper, “Do you swallow?”

After a second of stunned silence from me, I realized that I was giving him exactly the reaction he wanted. His face in that second told me everything. He wanted to shock me, to intimidate me. He wanted to speak to me in any way he wanted, and I was supposed to stand there and take it.

Nope. Wrong woman. Actually, right woman, wrong man. Literally, wrong man. I shouted very loudly that what he had just said to me was vile street harassment. The street was quite busy. People looked. He quickly exclaimed that all he had done was tell me I was beautiful.

I shouted back at the top of my voice, informing him, and everyone else, that he hadn’t said only that. I told the street — and probably the next two streets — exactly what he’d said.

Now he was embarrassed. He quickly started to walk away, but I followed him. I continued shouting, telling everyone what he’d said to me. I took the very same words that he had attempted to shame me with, and used them as a way of standing tall in my own power.

See I understand it can feel “psychologically” good when you cum inside a woman’s mouth, especially when she gently sucks you while you ejaculate. Although we know you like it / that, not all women do it!

Let me first clear up something: there is nothing sexy about your semen. It’s got the texture of Elmer’s glue mixed with the scent of chlorine and sweaty balls. It’s a chlorinated, sweaty ball stew. I don’t care how diligently you’ve studied porn, women are not thirsty for your sticky juice.

One of my friends did reveal that her ex who ate a lot of fruit (pineapples, strawberries) tasted sweet. The same food items that make a woman’s va-j-j taste good. However, most of you live on steak, potatoes, french fries, burgers… making your ‘izz taste like ‘ish.

Anyway, before I get off topic. Not all women swallow or blow.

Question: Nothing to ask… I’m pissed about this topic.

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SurveyStud: In the App Store

“Come on, just the tip!”

Men are interesting creatures. They can be so adorable and sweet, you don’t even know what to do with them.

They can be thoughtful and caring in ways that make you fall so hard, you’re not sure which way is up. Quite simply, it’s in the female nature to love men.

Men and women are clearly very different, however; ladies often want things from men they aren’t willing to give in return. This is frustrating, since we’re the ones having sex with them, right? Like the saying goes, “A good man is hard to find.” Preach.

So many guys do things women not only hate but also don’t understand. Between dad jeans and weirdly misogynistic attitudes, there are certain things that make us girls want to run away and never come back.

– “Just the tip”

We’ve all been there: You’re getting all hot and heavy with a cute guy, but you’re not ready to “go all the way.” So, he pleads with you, “Come on, just the tip!”

Excuse me, sir? Just the tip? No! If your business makes contact with my business, — if there is penetration at all — that is sex. And, please stop making us feel like uptight assh*les from not allowing this to happen.

– Texting to say “What’s up?” and then not responding for three hours

Why did you start a conversation with me if you don’t plan to text me back? If you don’t have time to talk, don’t bother texting me. If you do this, I’ll assume you’re playing some kind of game because overthinking is what women do.

Just be respectful and mindful that we deserve responses, especially if you’re the one who initiated the correspondence in the first place.

– Not changing their sheets regularly

What is it with guys not changing their sheets regularly and also thinking it’s okay to re-wear socks? (See also: overdoing it with the cologne.) You smell like a Russian bathhouse, dude. Take a shower.

– Touching our phones

This one is easy: DO NOT TOUCH MY PHONE!

– Trying creative sex too early in the game

We all have our fetishes. But, nothing makes us go ice cold faster than you asking to do something out of the ordinary before everyone’s comfortable. Save your penchant for leather for another time.

– Tipping poorly

Ladies appreciate being wined and dined. Going out on dates makes us feel special, and it’s sweet when you ask us to dinner and make the effort to wear a button-up instead of your Bears jersey.

That being said, there is nothing less attractive than a bad tipper. It makes us uncomfortable, and you better believe it’s going to piss off our server. Frankly, it makes you look cheap.

If you don’t have the money to leave a decent tip, you clearly don’t have the money to be eating at a restaurant. If you don’t have the means to pay the tip, plan a romantic home-cooked meal.

– Asking to have a threesome with our hot friend, whom we would rather die than see naked

It just isn’t going to happen. Life is not a porno. Just because I watched porn with you that one time doesn’t mean we’re recruiting one of my girlfriends to join us for a romp. Mmk?

– Some bizarre aversion to belts

What is it with dudes not wanting anything to do with belts? Guys seem to think it’s attractive to let your (dad) jeans hang down your butt, where you constantly have to pull them up. That is not cute. Just get yourself a nice belt and call it day.

Question: What are something that guys do that drive you insane?

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SurveyStud: In the App Store