

This is what financial freedom looks like. It looks like being completely debt-free, student loans and all. It's doing work that you love and not just settling for a steady paycheck at a job you hate, or maybe packing up the kids and taking them on trips to St.Thomas, Ocho Rios, or to the Discovery Children's Museum in Las Vegas. And in the case of Jamisa McIvor-Bennett, it also looks like a $3.2 million real estate portfolio with 21 properties— all paid for in cash with the exception of one home.
It all started with an unexpected question that would lead to a life-changing opportunity when a 19-year-old McIvor-Bennett, then a cashier at ShopRite Supermarket in Philadelphia, was approached by her grandmother. "She said, 'I just wanted to know what would happen to the house if something was to happen to me?' I said, 'Grandma I'm not really sure, I can find out.' She was like, 'No, I was just asking because, if something was to happen, I want you to take full responsibility for it. You're the most responsible one.'"
At the insistence of her grandmother, the pair did a quitclaim deed transfer, allowing her grandmother to transfer the property to McIvor-Bennett for $400 total once the dust settled. Over a year later, her grandmother passed away unexpectedly, and all hell broke loose as the family clamored to make claim to the home, unaware of the agreement between McIvor-Bennett and her grandmother. "We made a video because this is during the era of record everything, so I had what I needed in terms of a paper trail."
Courtesy of Jamisa McIvor-Bennett
With no knowledge about financial literacy or real estate, McIvor-Bennett got to work on researching her best options for turning a lemon into lemonade. She didn't have the funds to make the necessary repairs to the home, so she decided to sell the paid-off abode for $152,000 at the encouragement of a real estate agent. And thanks to advice from a real estate investor turned mentor, she used the profit to purchase her first home in cash for $400— a house that she still owns today and that's worth $330,000.
Gaining more knowledge and experience through mentorship and mistakes, McIvor-Bennett has since bought 21 properties worth $3.2 million in the Philadelphia area, affording her a lifestyle that at one point never seemed imaginable for the now-married mother of two. Seems impossible? Well, don't just take our word for it. The real estate mogul is spreading knowledge on the power of investing through her company Rosebud's Investments to those looking to get in the game. "I have so many people who are interested in real estate investment just by seeing my lifestyle change gradually," McIvor-Bennett says.
xoNecole chatted with the self-made millionaire for tips on tapping into lucrative deals and how to build generational wealth through real estate investing.
1.Learn From Others’ Mistakes
Courtesy of Jamisa McIvor-Bennett
"I learned so much from my mentor just through his mistakes. He gave me a lot of information, but he showed me a lot of stuff just because I was paying attention. He was a really big dreamer. He would get really good deals and run out of money. That's why he ended up selling me the properties he did out of desperation because he was locked into a deal and ran out of money to finish it and needed to close. So he was selling off what he had just to get their money to get through that next deal.
"The second time he did it, it ended up helping me because I was down to my last $50,000. And he was like, 'I need money.' So I'm like, 'All right, I'm going to give you the money to finish your deal, and you give me back the money in interest.' And he did. He gave me 25% interest on my return. But I learned a few things— don't get into these high ticket deals without a contingency fund. I was taking notes, which is why it took me so long. I didn't get any mortgages until literally the 13th of December [2019]. So all of these houses later, I was kind of scared because of what I watched him go through."
2.Don’t Overlook Ugly Houses
"The second house sold to me was for $6,500. It looks like a scary movie. I call it the Treehouse, literally, there was a tree growing inside. But I bought it because it was $6,500, and my mentor had purchased it for $2,500. Even though it was ugly, it was structurally sound. So it wasn't one of those things where I had to do anything to it. We put a new roof on it, boarded it up to winterize it, and made sure it was safe. We had to buy a vacant property permit for it. I didn't know what equity was, I was just buying time until I conjured up enough to figure out what I wanted to do at home, but it was worth a lot. Year two [of investing], I started to really get into markets and stuff like that. By year three, the house directly up the street had sold for almost $200,000, and it was smaller than mine. I didn't know it was going to end up being a good deal, but now I knew that buying a house for $6,500 was OK."
3.Check The Comps
"When you're in real estate, you do what's called comps, or comparable property. So if you ever want to know what your house is worth, you have to find something that's comparable to it. Then we look at the work that was done to it. Obviously, if I put a waterfall and elevator in my house, and you got a little patio and vinyl sliding, mine is going to be worth a little more. But this is how you compare the numbers and you look at what [the] dollar consistency [is] in that area. You look at the last three things that sold and you get the average."
4.Buy Cheap Properties At Auctions
"When you buy a house in an auction, you get the equity, but you don't get the debt. There are actually nice houses sometimes, especially foreclosures. Somebody went through the whole mortgage process and out of the 30 years they might've had a good 125 months and they can no longer pay the mortgage. You are getting all of that equity per penny on a dollar because somebody else fell on hard times, which is bad for them, it's very sad. But if they're losing it anyway, you just happen to be the one to purchase it.
"I had purchased my own property for $1,700, and what was really interesting about it was that when I purchased it, I didn't even have to buy it. I had the money. But when you are at an auction, you can't pay for it there. You have to actually finalize your paperwork elsewhere on another day. I had to put down a deposit. The deposit is either 10% or $600, whichever is the highest. After that you have 30 days to do one or two things, the first thing you can do is obviously pay the remaining balance. But the second thing that you can do is sell the property, which I thought was really cool. I ended up returning like two or three days later and then I decided to go back every single month because they had them every month. I still have the $1,700 property. Right now the comp in the area is like $175,000. It's a bad area, but it's coming up. So I will just wait."
5.Buy Properties With Positive Cash Flow
"For myself, I'm looking for positive cash flow. I'm an urban investor so I like to stay true to my roots. I think people spend a lot of time focusing on gentrification, and they are pushing us out. I got a home that's in the city right now that's worth $600,000, you can't tell me that I'm being pushed anywhere. I typically stick to urban properties and the overhead is way less. We usually have about 1,200 to 1,600 square feet, depending on if it's a corner house or not. So with that being said, it's only but so much work that needs to be done to a house of that size."
6.Decide If You Want To Flip Or Rent
"As an investor, I never went in with the intention to flip. I sold one or two during the course of time just because I needed some fast cash and because I'm living off of the rental income, so I was like, 'All right, let me free up something.' Then I would sell one and replace it with two more, but I wasn't really interested in the flipping aspect. Some people need a quick flip. I have children and I like freedom. To me, flipping is too much of a job. You do all this to make money to then do what? You have to do it again because once you get the money, you've got to spend it on something. I like the idea of buying a house and renting it out. Right now my portfolio total is $3.2 million, cash flow is a little under $50,000 a month."
7.Look For Hard Money Lenders
Courtesy of Jamisa McIvor-Bennett
"Hard money lending is a go-to for investors because it doesn't require tax returns and you don't need anything except a good deal because they're funding you based on how much the property is worth. You do need 10% of the money because they'll give you money to purchase and rehab it, but they don't give you the money to fix it up outright. So you have to actually put money into it and then they reimburse you. And when they reimburse you, you use the reimbursement money to keep going. When you are getting a regular loan from a bank, they need at least two years of consistent tax returns. With hard money lending, you decide how much the house is worth. So it's easier to get funding, but you have to pay more upfront and altogether because it's interest-only payments too.
"The benefit of it is [money] is accessible fairly quickly. But you got to do it right because the first couple of payments are interest-only payments, and then you still owe whatever you borrowed. So let's say you did $100,000— $50,000 to purchase and $50,000 to rehab, times it by 10% interest. You owe $10,000 additional on a loan, where a normal loan is usually around 3.5% percent or so. So now you divide that $10,000 by 12 months because usually the loan is between 12 to 13 months. You have to pay them $830 every single month. Then at the end of the loan, you still give them back their whole $100,000."
8.Cash Is Still King
"You definitely get more of a return when you leverage, but the moment that you get a mortgage you owe somebody else. The market goes up and down, and what can end up happening is if the market crashes like it did last time, the value of your property decreases, which is why it's good to be an owner. Let's say for instance you bought a property worth $100,000. A bank will give you up to 80% of what the property is worth. So at $100,000, they will give you the $80,000 to play with. Then the market crashes, now the $100,000 property is only worth $60,000.
"You borrowed $80,000, so now you owe $20,000 more than what it's even worth. Not to mention most people who are investing don't even live in their investment property, so they still maybe have a mortgage. Now, you're struggling to even pay what you owe. If you are a more financially stable person, you can move money around, and then investors do things called diversification, so they have different streams of income other than [real estate] investments. But it depends on what your risk tolerance is."
9.If You Don’t Have The Cash, Consider Wholesaling
"Wholesaling isn't hard at all. You find a seller and you find a buyer. The most involved part is having time. That's what people underestimate. If you don't have credit or money, you have to have time, because the hardest part of wholesaling is finding a seller. But it's definitely not difficult depending on the numbers. Let's say a friend came to you like, 'Listen, I've got this house, I'm over it. I want to sell it for $80,000.' You sign a contract. You don't actually have to have the money when you sign a contract because the contract says that if the original buyer can't secure funding or can't close, they have the right to assign it to somebody who can. You sign a contract agreeing to purchase it for $80,000. You know I buy houses. You call me like, 'Hey, I have a house for sale for $100,000,' and if the numbers make sense and it's worth what you're asking for, I buy it and you give her $80,000 and take the other $20,000."
10. Protect Your Primary Residence
"Every person's situation is different, but I'm not going to ever tell a person to outright start with debt unless they absolutely have to. Once you lock into a 30-year mortgage, you owe them, no matter what. If things go right, good. If things go bad— you lose your job or you break your foot — you owe [the bank], and this is your primary residence. You want to always make sure your home is safe. You should be in a situation where your assets protect your liabilities. Even if you live in a house and you're like, 'I love it, it's beautiful,' it's a liability. It doesn't do anything for you other than makes you happy when you see it. You live there so you're not getting any gains from it."
11. Consider Investing In Multi-Family Units
"The idea is you get a mortgage and you get a multi-unit as opposed to a single-family. A multi-unit can be a duplex or a triplex, or it can even be a quad, which is four units. You live in one unit, you rent out the other units, and what they pay covers what you owe. Now it's not so much of a hassle on you, and then at the end of the day, you are still building equity. So if you ever decide you want out, you can still pull the equity out of your house and then reinvest it into a single-family, or you can go on to a nicer house and a nicer place."
12. Change Your Mindset Towards Money
"Believe it or not, people in urban communities have a whole lot of money. You still got people like, 'I'm not ready to buy,' and I think they're just afraid. When it comes to these properties, these tenants, they spend money consistently. I've met people who've rented for years straight, never missing a day. How do you have the discipline to know that you have to pay a landlord, but you don't have equal discipline to pay yourself? How do you invest in somebody else's equity and tell yourself you're not good enough to do the same thing for yourself? And they do it time and time again."
13. Ignore The Naysayers
"I tell people, it's not what you do is how you do it. I see people posting like, 'It's not like she got it from the muscle.' I did. [My grandmother] didn't give me 20 houses at random, she gave me an opportunity and I made the best of it. I've read, 'Oh she sold her family's legacy for money.' No, I've created a legacy. There was none."
Jamisa McIvor-Bennett is the proud owner of Rosebud's Investments, which offers individualized services in investor processes, for both new and seasoned investors who are looking to enhance their knowledge and expertise, and helps provide a blueprint for purchasing property without using credit.
Featured image courtesy of Jamisa McIvor-Bennett
Originally published on March 2, 2020.
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On her debut album,CTRL,SZA crooned about her desire to be a “Normal Girl.” Now, nearly eight years since its release, her Not Beauty line represents her commitment to existing outside of traditional beauty norms.
The singer whose real name is Solána Imani Rowe first teased the idea of a lip gloss line during Super Bowl LIX in February, noting that the release would be happening “very shortly.” Not Beauty debuted simultaneously with the Grand National Tour, which she co-headlines with Kendrick Lamar, in Minneapolis on April 19.
Each Not Beauty pop-up would offer fans the opportunity to purchase the glosses, learn more about the brand, and have the opportunity to meet the superstar in the flesh regardless of their ticket status.
During the Los Angeles tour stop, which spanned three dates on May 21, May 23, with the finale on May 24, xoNecole had the opportunity to test out the glosses included in this soft launch, as SZA revealed in a statement that "this is just the start of other lip products, including plans to launch stains, liners, and creams all inspired by SZA's “infamous layered lip combinations.”
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So, what is included in the first Not Beauty launch?
The current Not Beauty products available are lip glosses that come in three shades: In the Flesh, Strawberry Jelly, and Quartz.
During my visit to the first LA Not Beauty pop-up activation, I not only had the chance to purchase all three glosses but also took a peek inside the blow-up log tent. Inside, fans got to experience SZA’s love for nature and her fascination with bugs, which are prominently featured in her performances for this tour. At one point, she even had human preying mantis prancing across the stage y'all.
There were blow-up photos of the beauty that is SZA for fans (myself included) to take photos, but in wooden-like tree trunks were a deeper dive into some of the ingredients featured in her products and their benefits.
For example, the glosses feature Hi-Shine Lip Jelly and Shea Butter as key ingredients and some of the listed benefits included are:
- Shea Butter - “A powerhouse ingredient, offering both functional and nourishing benefits.”
- Hi-Shine Lip Jelly (featured in the In the Flesh shade) - “Formula glides on with perfect adhesion to the lips without stickiness).
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What are in the products?
Featured in an orange package, with images of a bug and flower on the side, the back of the box reads: “It’s NOT BEAUTY, it just works. Developed by Solána “SZA” Rowe.
As someone who never leaves home without a good lip gloss, I loved how compact the wood panel packaging is. Perfect to slip into my purse, or in the case of the show at SoFi Stadium, into my pocket when I’m not carrying a bag.
Because I’m a sucker for a good black and brown lip liner and clear gloss combo, I decided to wear the Quartz flavor on night one of the Grand National Tour LA stop, and it did not disappoint. I’ll admit, it’s light weight feel made me nervous because it felt like there was nothing on my lips. However, when I checked my lips in my compact mirror several times throughout the night, I was shocked to find that my gloss was still intact. I only reapplied once out of the habit of looking cute and applying my gloss, but not necessity.
Here are some of the ingredients featured, but not limited to, in the Quartz flavor.
- Polyisoubutene
- Butyrospermum Parkii (Shea)Butter
- Ricinus Communis (Castor) Seed Oil
- Mentha Piperita (Peppermint) Oil
- Tocopherol
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Lip prep
I’m a simple girl who loves to stay true to her roots. So ahead of the show, I stopped by a local Inglewood Beauty Supply store and grabbed a Black and Brown shade lip pencil for just under $2 a piece.
Shading the outline of my lips with the black pencil first, I used the brown to lightly fill the inside of my lips before applying my Quartz Not Beauty shade gloss.
How to apply
There’s truly no right or wrong way to apply lip gloss (in my opinion), with this being a brush applicator sort of product, I simply untwisted the top and swiped the gloss around my top and bottom lip generously.
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Results
Again, my Not Beauty Quartz product stayed on my lips from the start of the show, which began with a fire DJ set from LA’s very own, Mustard, to the conclusion when Kendrick and SZA reunited on stage to send us home to their duet, “luther,” featured on the rapper's GNX album.
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It’s almost always “annoyingly fun” to have conversations with super churchy folks. Example? Recently, I had on an anklet that a particular woman took notice of. When she complimented it and asked what it was made of, I said, “Moonstone, which is one of my birthstones.” Oddly enough, she then turned up her nose and said that stones and crystals were tied to witchcraft, to which I casually replied, “Then I guess you hate Aaron’s breastplate, huh?” She paused and turned her nose up again — this time, though, because she just experienced a good old-fashioned “checkmate.”
This article is about crystals not Scripture, so when it comes to the latter, I’ll just briefly say that if you mosey on over to Exodus 28, you’ll see that a high priest breastplate is referenced; one that contains precious gems including topaz, sapphire, agate, onyx and jasper (and that’s just for starters!). Yeah, it really is important to not just throw judgments around like confetti — know of what you are actually speaking of first (because that’s what Matthew 7 is really all about).
I did think it was important to mention that for potential skeptics about why this article even exists. Because although there are Scriptural and evenscience-based individuals who roll their eyes at the power of what gemstones and crystals can (possibly) do, I’m pretty sure that some of you are not surprised that the holistic and Ayurveda worlds see it all very differently.In those realms, energy plays a big role in physical, emotional, and mental health, and crystals are believed to cultivate balance or intensify certain feelings or experiences through that said energy.
That said, when it comes to sex, specifically, there are certain stones (which are basically what crystals are;in fact, all gemstones are a type of crystal) that are believed to help make intimacy even more satisfying. If you’re curious about which ones are, I’ve got 10 for you below.
10 Crystals That May Enhance Your Intimate Life
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1. Garnet
Garnet is a rich shade of red that happens to be January’s gemstone. It’s considered to be one of the oldest gemstones around, one that Egyptians believed was a symbol of life and something that they oftentimes wore in their signet rings. As far as symbolism goes, garnet also represents love and vitality as well as energy, passion and even self-confidence — all of which are quite relevant when it comes to having an active and fulfilling sex life.
2. Amethyst
Queen Cleopatra and Leonardo da Vinci are just two powerful figures who were big fans of the purple gemstone amethyst. Interestingly enough, it is February’s birthstone — the month that Valentine’s Day falls under. Another interesting fact is many early Christians relied on this gem in order to increase their spirituality while many Greeks used to see it as a stone that provided protection. When it comes to intimacy, amethyst is also associated with love and devotion as well as feelings of calm and reduced anxiety — and since the less calm you feel, the easier it is to climax…well. #wink
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3. Orange Carnelian
Looking to experience more joy and happiness? Or maybe you want to strengthen your friendships. Or perhaps it’s time to increase your pleasure levels or to go into deeper levels of sensuality. For all of these things, orange carnelian is a top-tier pick. As I did a bit more research on this stone, it’s considered to be a royal one and something that can bring forth peace. One of my favorite things about orange carnelian is it comes in different hues of orange — the deeper the color, the more passion it exudes. Just an FYI.
4. Rose Quartz
If you want to take your romantic relationship to another level, rose quartz has a solid reputation for helping to make that happen for you. In fact, this pink crystal is oftentimes referred to as being the stone of unconditional love because it encourages the wearers of it to both give as well as put themselves in the position to receive love too. Since rose quartz is also tied to things like emotional healing, restored trust and harmony, if you’re looking to make a much deeper intimate connection with your partner, this just might be the stone for you.
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5. Rhodochrosite
Rhodochrosite is a red-rose colored stone that I personally hold dear. I say that because, as a survivor of sexual abuse, it is one that helps recovering individuals to work through sexual trauma (and trauma, in general). It is associated with love, compassion and strength as it helps you to process your emotions in a positive way, so that you are able to effectively release past pain and deal with any PTSD that you might have. You know, I know a wife who sexually struggled in her marriage for years because she had been sexually assaulted in college and never told her husband.
A stone of compassion is a precious one — including when it comes to dealing with sexual trauma and intimacy challenges and learning how to face them. Salute to this stone right here.
6. Citrine
Citrine is November’s birthstone and its rich yellow color explains why it represents things like abundance, prosperity, radiance and happiness. Aside from this, whether you’re seeking clarity, you’d like to be more creative or you’re interested in becoming more sensual, citrine encourages all of this. Sensuality is a dope word because it’s all about appealing to all five senses; especially during intimacy. To learn more about how to do that, check out “How To Incorporate All Five Senses To Have The Best Sex Ever.”
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7. Red Jasper
While doing my own research on what red jasper represents, what I liked the most is it’s something that encourages emotional stability which is always a wonderful thing to have. Although it is a fiery red color, it also contains grounding properties and it symbolizes strength, courage and, another word that can always make sex more pleasurable: stamina. Since stamina is what helps both men and women to last longer during sex, anything that is a “stamina hack” earns an automatic mention when it comes to sex-themed content — including this.
8. Clear Quartz
A fun fact about quartz is it’s one of the most common minerals on this planet. When it comes to clear quartz, specifically, I like the way that it looks because it’s either a cloudy white or something that you can see straight through. As far as its symbolism is concerned, if you want to reduce physical discomfort, remove distractions and focus more on heightened levels of yourself, this crystal represents all of that. Clear quartz also encourages healing, spiritual growth and balance. To me, it seems like if you want to cultivate a spiritual or meditative (check out “What Exactly Is 'Orgasmic Meditation'?”) experience with your partner, clear quartz is a stone to try.
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9. Shiva Lingam
I ain’t got no lies to tell you — when I first happened upon this particular stone, the first thing that came to my mind was an article that I penned for the site back in the day entitled, “Blow Your Man's Mind By Giving Him This Tantalizing Massage.” That’s because it explains what a lingam massage is and, as you can see, this crystal has that word all up in it. The history of lingam is a bit layered (you can read about it here); however, because it is considered by many to be a phallic symbol and that typically represents the penis — shiva lingam is a neutral-colored crystal that represents both sexuality as well as fertility. Shocking, right? #sarcasm
10. Pyrite
It doesn’t escape me that it’s kind of funny that I’m closing this out with a crystal that has the nickname “fool’s gold.” That’s due to its appearance. That said, it’s also a stone that has some interesting symbolism to it. Since it comes from a Greek word that means fire — of course, it’s a crystal of passion. Since it also taps into things like heightened energy, self-esteem, creativity, awakened senses and the removal of toxic thoughts — if any stone should be in your “let’s get it on” crystal collection, pyrite would be the one!
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Know what’s kinda wild? While I was on Etsy’s site looking for another moonstone, a sake popped up in my feed on what the merchant calls their “libido crystal set” — and six of the 10 stones that I’ve mentioned throughout this article are featured in the collection.
Yeah, I’ll take that as a confirmation that whether you purchase a piece of jewelry that has one (or more) of these stones or you buy a piece of crystal itself to place somewhere in your bedroom — just putting your own energy into wanting a better sex life is a powerful step in the right direction to achieving it.
And what science can’t refute is the benefits of positive thoughts and actions — crystals or not.
So, if precious stones are totally your thing — enjoy, sis. Enjoy!
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