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HOW TO DEAL WITH CRITICISM AS A REAL ESTATE INVESTOR

When you’re a Real Estate Investor, criticism is part of the job. Whether it’s from family and friends or complete strangers, you’re going to hear negative feedback. It’s important to learn how to deal with criticism in a healthy way so that it doesn’t affect your investing goals. As an Investor, do you face criticism? Don’t worry, MY SMART COUSIN is here!  We can help by providing expertise and resources for budding Real Estate Investors and homebuyers of all stripes–especially those looking to buy a house for the price of a car. As an established Real Estate Investment coach, with a particular emphasis on Black and Brown folks and women, we develop investment strategies specifically designed to meet your unique needs. Criticism, whether from others, or as a drumbeat of self-doubt that can come from within, is part of the growing experience, both in business and in life. In this blog post, we will be sharing a few tips on handling critiques in a constructive manner. CRITICISM IS A NATURAL PART OF ANY BUSINESS- LEARN TO EMBRACE IT It’s inevitable. No matter how great you are at what you do, there will always be someone who criticizes your work. And as a Real Estate Investor, you’re bound to face your fair share of criticism. Whether it’s from a tenant who’s unhappy with the condition of their unit or a friend who has questions about your investment strategy, it’s important to learn to extract any nuggets from the criticism and use them to improve your business. While it’s easy to get defensive when confronted with criticism, try to take a step back and see it from the other person’s perspective. Oftentimes, criticism is based on valid concerns that you can use to improve your business. For example, if a tenant complains about the condition of your property, that’s an opportunity to ensure that you are complying with the landlord-tenant requirements for your jurisdiction as well as to make necessary repairs and improvements. Or, if a neighbor has noise complaints regarding your tenant, view this person as your eyes and ears on the ground and enlist them to contact you first rather than calling the police so you can try to resolve the issue.  By taking the time to listen to criticism and address legitimate concerns, you open the door to turning even the most negative feedback into a positive result. USE CRITICISM TO IMPROVE YOUR SKILLS AS AN INVESTOR No one likes being criticised, but it’s an essential part of becoming a successful real estate investor. By seeking out feedback from experienced investors, you can learn where you need to improve and make the necessary changes to become successful. It’s important to remember that not all criticism is created equal; take the time to find helpful, constructive feedback from people who have your best interests at heart. With their help, you can make the changes necessary to take your investing career to the next level. FINAL THOUGHTS Criticism is a natural part of any business, but it can be tough to deal with when it’s directed at you. As a Real Estate Investor, you need to learn how to embrace criticism and use it to improve your skills. Don’t take the criticism personally – it’s not about you, it’s about the deal or property. Analyze the criticism and see if there is any truth to it. Respond politely and professionally. Doing this will help you grow as an investor and develop resilience in business. Do you face criticism as a real estate investor? How do you handle it? YOU CAN ALSO READ: SPEC HOMES: IS BUILDING A SPEC HOUSE A GOOD INVESTMENT? FOLLOW US: @MYSMARTCOUSIN

SPEC HOMES: IS BUILDING A SPEC HOUSE A GOOD INVESTMENT?

Homebuilding is on the rise and, as a Real Estate Investor or homebuyer, you may be thinking about whether investing in a spec home, that is, a custom home that is built to your specifications, is a good idea. There’s no doubt that buying a that’s already built and pre-owned is cheaper than building one from scratch. However, there are a few compelling reasons why building a custom home might be a good investment after all. In this blog post, we’ll take a closer look at what spec homes are, and consider the question of whether to build one based on current market conditions. We’ll also discuss some of the pros and cons of investing in spec homes, as food for thought, should you be considering this path. So, if you’re thinking about becoming a spec home builder, or just curious about what they are, keep reading! MY SMART COUSIN provides expert guidance on how best to get started in Real Estate Investing today and every day. We all know that becoming a property investor is no easy task. There are so many things to be taken into consideration, and the process can often seem daunting for beginners! Whether it’s purchasing your very first home to live in or investing in a property to begin your dream of owning a portfolio of investments, MY SMART COUSIN has your back as your seasoned Real Estate Coach, guiding and assisting you every step of the way. Whether you’re thinking about what type of property interests you or how to establish your budget, we help aspiring investors, with a particular focus on Black and Brown folks and women, find and invest in properties. WHAT ARE SPEC HOMES, AND WHAT ARE THE BENEFITS OF BUILDING ONE? A spec home, short for speculative home, is a property built without a specific buyer in mind. Builders typically construct spec homes in areas where they think there will be high demand for new homes. When building spec homes, investors must move on two parallel paths, both deploying a strong sales force to sell buyers a concept of their soon-to-be dream home, and working with general contractors to quickly build homes that will be appealing as-is to future buyers. The name of the game with spec homes is to sell the home as quickly as possible after it is completed.

FAIR MARKET VALUE: DEFINITION & CALCULATOR

Home buyers and investors often hear the term “fair market value” when talking about buying or selling a property. But what does it mean? Fair market value is defined as “the price at which a property would sell between a willing buyer and seller, neither being under any compulsion to buy or sell and both having reasonable knowledge of the relevant facts.”  But if you’re thinking about buying or selling a property, it’s important to have an idea of what fair market value is. And luckily, there’s an easy way to calculate it.  We understand that buying a house can be stressful and overwhelming, especially if you don’t know what to do. MY SMART COUSIN is here for all your Real Estate needs! Whether it’s finding an affordable property or helping with financing options so the process goes as smoothly as possible – as a Real Estate Investment Coach, we’ve got just about everything covered at this one-stop shop. We offer tailored solutions to every individual, with a particular focus on Black and Brown folks and women, in every aspect of investing, and particularly for those seeking to Buy a House for the Price of a car, our personal favorite to buy a property!

ARE MANUFACTURED HOMES A GOOD INVESTMENT IN 2023?

FINAL THOUGHTS So, are manufactured homes a good investment? The answer to that question depends on your personal circumstances and preferences. But with all the new features and benefits available now, it’s definitely worth considering if you’re in the market for a new home. And as more and more people are choosing them over traditional housing options, it seems likely that the market for manufactured homes will only continue to grow in years to come. If you’re ready to invest, we can help you find the perfect home for you. Give us a call today! YOU CAN ALSO READ: WHAT IS A DUPLEX AND SHOULD YOU INVEST IN ONE?FOLLOW US: @MYSMARTCOUSIN

WHAT IS A DUPLEX AND SHOULD YOU INVEST IN ONE?

Are you thinking of investing in real estate but aren’t sure where to start? A duplex might be a good option for you. But what is a duplex, exactly? And is it the right investment for you? A duplex is a type of property that is becoming increasingly popular with real estate investors. At MY SMART COUSIN, we want you to get into property ownership! We can help by providing expertise and resources for budding Real Estate Investors, and homebuyers of all stripes–especially those looking to buy a house for the price of a car! As Real Estate Investment Coaches, we work closely with aspiring real estate investors, focusing especially on Black and Brown folks and women, to position you for success in developing and executing your plan for investment and building generational wealth. In this blog post, we’ll answer questions on how to purchase a real investment property and the pros and cons of duplexes. So keep reading to learn more about duplexes and whether they are a good investment for you. WHAT IS A DUPLEX HOUSE AND WHAT ARE THE BENEFITS OF OWNING ONE? A duplex is a two-family property that has two units, typically side-by-side or one on top of the other. Duplexes can be owner-occupied, with one unit rented out to generate income, or they can be purchased as investment properties, with both units leased to tenants. There are several benefits to owning a duplex. · First, duplexes offer an affordable way to enter the real estate market, since they typically cost less than the price of two single-family homes. · Second, they offer the opportunity to generate rental income, which can help offset the cost of ownership. · Finally, duplexes offer flexibility in terms of living arrangements: owners can choose to live in one unit and rent out the other, or they can rent out both units and live elsewhere. Ultimately, owning a duplex can be a smart financial decision for those looking to invest in real estate. HOW DO YOU KNOW IF A DUPLEX IS A RIGHT INVESTMENT FOR YOU AND YOUR FAMILY? When it comes to investing in Real Estate, there are many different options to choose from. For those who are looking for a solid investment that will provide income and appreciation over time, a duplex can be a great option. But how do you know if a duplex is a right choice for you? There are a few things to consider before making this important decision. · First, take a look at your financial situation. Do you have enough saved up for a down payment? Are you comfortable with the amount of debt you would be taking on? Be sure to consult with a financial advisor to get a clear picture of what you can afford. · Next, consider your goals for the property. Are you looking for an investment that will generate a rental income? Or are you hoping to live in one unit and rent out the other? Make sure that your goals align with the type of property you’re considering. · Finally, think about the location and condition of the duplex. Is it close to public transportation and other amenities? Is it in need of any major repairs or updates? These are all important factors to consider when making your decision. By taking the time to think about these things, you can be sure that you’re making the right choice for your needs and goals. A duplex can be an excellent investment, but it’s not right for everyone. Be sure to do your research before making any decisions. WHAT ARE THE RISKS AND CONSIDERATIONS ASSOCIATED WITH INVESTING IN A DUPLEX, AND HOW CAN YOU MITIGATE THEM? One of the biggest considerations associated with investing in a duplex is determining whether you prefer to live far away from your renters, or a door knocks away. In many ways, renting out a duplex is like having a roommate upstairs or next door. If you prefer privacy or even anonymity when it comes to renting to a tenant, then a duplex may not be a great option. A related consideration when investing in a duplex is the potential for tenant turnover. If you rely on rental income to make your mortgage payment for the property, you could find yourself in a difficult situation if your tenant moves out unexpectedly. To mitigate this risk, it’s important to have a good relationship with your tenant and to keep your property well-maintained. Also on the list of risks is the possibility of damage to your property. While this is a risk for any investment property, it hits especially close to home if the damage affects the unit you live in as well, causing both a major financial setback and disruption to your family life. To protect yourself, it’s important to vet your potential tenant and purchase an adequate amount of home insurance. Finally, it’s important to be aware of the potential for increased maintenance costs. A duplex is essentially two homes wrapped in one, which means that there are twice as many potential problems that can arise. By budgeting for unexpected repairs and setting aside money each month, you can help cushion the blow if something goes wrong. While there are some risks associated with investing in a duplex property, there are also ways to mitigate those risks. By being prepared financially and maintaining a good relationship with your tenants, you can help protect yourself from potential pitfalls. ARE THERE ANY OTHER COSTS ASSOCIATED WITH OWNING A DUPLEX THAT INVESTORS SHOULD BE AWARE OF BEFORE MAKING THEIR DECISION? When it comes to duplexes, there are a few things that potential investors should keep in mind. · First, duplexes typically require a higher down payment than a single-family home. This is because lenders view them as more risky investments. · Additionally, duplexes also come with higher monthly carrying costs, such as property taxes and insurance premiums. ·  And finally, if you’re planning on living

WHAT IS THE BEST TYPE OF MORTGAGE FOR A NEW REAL ESTATE INVESTOR?

We’ve all heard the old saying “ buy low, sell high. But what does that really mean? It means getting a great deal and then turning around so you can pass those savings on to your customer! MY SMART COUSIN helps as an experienced Real Estate Investment Coach position Black or Brown folk (especially women) to purchase their investment property quickly and knowledgeably by leveraging our skill set which has already helped many like ourselves achieve what everyone deserves – ownership of their own home! With our strategies and guidance, we help them buy a house for the price of a car. Are you thinking of investing in real estate? It can be a great way to build wealth over time, but it’s important to choose the right type of mortgage. So, what’s the best type of investor mortgage for a new real estate investor? Read on to find out! WHAT IS AN INVESTOR MORTGAGE AND HOW DOES IT WORK? An investor mortgage is a type of loan that is designed for people who are looking to purchase property for investment purposes. The key difference between an investor mortgage and a regular home loan is that the interest rate on an investor mortgage is typically higher. This is because lenders view investment property as a higher risk than a primary residence. As a result, people who are looking to take out an investor mortgage need to be prepared to make a higher monthly payment. However, the potential return on investment (ROI) can be much higher for an investment property than a primary residence, making an investor mortgage an attractive option for many people. WHAT ARE THE BENEFITS OF USING AN INVESTOR MORTGAGE FOR A NEW REAL ESTATE INVESTOR? When you’re first starting out as a real estate investor, it can be tough to get approved for a traditional mortgage. That’s where an investor mortgage comes into play. Investor mortgages can be particularly helpful for new real estate investors, and they offer a number of benefits. YOU CAN ALSO READ: FEE SIMPLE OWNERSHIP VS. LEASEHOLD: KEY DIFFERENCES FOLLOW US: @MYSMARTCOUSIN

FEE SIMPLE OWNERSHIP VS. LEASEHOLD: KEY DIFFERENCES

When you’re considering buying a property, it’s important to understand the difference between fee simple ownership and leasehold. Why? Because with fee simple ownership, you own the property outright – there are no restrictions on what you can do with it. With a leasehold, on the other hand, you only reside in the property for a limited period of time; after that, the property reverts to the owner. Additionally, leaseholders may be subject to certain restrictions, such as not being able to make changes to the interior or exterior of the property, something that can be particularly important when considering a commercial property that may need to be redesigned to accommodate a particular business type. So before you open your wallet, be sure to fully understand the implications of each type of ownership. MY SMART COUSIN Want to get into property ownership? We can help you move from vision to execution! At MY SMART COUSIN, we provide the expertise and resources for budding property investors and homebuyers of all stripes, especially those who are looking to buy a house for the price of a car, the same way we have dozens of times.  As Real Estate Investment Coaches, we work with aspiring homeowners and investors, with a particular focus on Black and Brown folks and women, to develop and implement an investment strategy, including, whether you should consider fee simple or leasehold ownership. WHAT IS FEE SIMPLE OWNERSHIP? Fee simple ownership is the most complete form of ownership. The owner has full use and enjoyment of the property and can dispose of it as he or she wishes. There are two types of fee simple ownership: Fee Simple Absolute and Fee Simple Defeasible. ·   Fee Simple Absolute is the most common type of fee simple ownership. The owner has an unrestricted right to enjoy and dispose of the property. ·   Fee Simple Defeasible is less common and may be subject to certain conditions, such as the payment of taxes, or compliance with zoning regulations. In either case, fee simple ownership gives the owner a great deal of control over the property. WHAT IS A LEASEHOLD? When you hear the word “leasehold,” you might think of leasing a car. But in the context of real estate, a leasehold is an ownership interest in land that is leased from a lessor. ·   The most common type of leasehold is a residential lease, in which a tenant pays rent to a landlord in exchange for the right to live on the property. Leasehold structures are often used for manufactured housing, where the manufactured house itself might be owned by the resident, but the land that the house sits on is leased. ·   Commercial leases are also common and can involve anything from office space to parking lots. Leaseholds can be either short-term or long-term, and usually include an option to renew the lease at the end of the term. In some cases, a leasehold may also give the tenant the right to purchase the property outright. Whether you’re looking for a place to live or a place to do business, it’s important to understand the basics of leaseholds before signing any documents. SOME OF THE KEY DIFFERENCES BETWEEN FEE SIMPLE OWNERSHIP AND LEASEHOLD When you purchase a home, you may choose between fee simple ownership and leasehold ownership. While both options offer the potential for long-term stability and security, there are some key differences that you should be aware of before making your decision. ·   Fee simple ownership gives you full and unencumbered ownership of your home. This means that you will own the property with effectively no strings attached, and can do with it as you please. Because you own the property in full, you also own all of the attendant obligations including responsibility for maintenance, repairs, property taxes, and property insurance. Leasehold ownership, on the other hand, does not provide the same level of control and the same scope of responsibility. Instead, you will be leasing the property from a landlord for a set period of time. During the lease period, you will be responsible for paying rent and following any rules or regulations that are set by the landlord. You will also be responsible for paying utilities and other expenses that the landlord assigns to you in the lease, such as trash, pest control, and landscaping. At the end of the lease, the property will revert to the landlord. Another key difference between fee simple ownership and leasehold ownership is the length of time that each option provides. ·   Fee simple ownership is typically permanent, meaning that you will own the property for as long as you wish. Leasehold ownership, meanwhile, is typically much shorter in duration. Most leases are for a maximum of 99 years, after which point the property will revert to the landlord. This means that if you purchase a leasehold property, you should be prepared to relinquish ownership at some point in the future. Next, it is important to note that fee simple ownership typically offers more security than leasehold ownership. This is because fee-simple ownership gives you full control over your property, while leasehold ownership leaves many decisions up to the landlord. As such, fee simple ownership may be a better option if you are looking for a long-term investment. ·   Fee simple ownership is typically more expensive than leasehold ownership because you are buying the property outright, and with it, the attendant risks, taxes, and obligations of ownership. With a leasehold, you are only paying for the right to use the property for a set period. Some leases, particularly very long-term leases, require that some portion of maintenance be paid by the lessee, so you will want to explore and negotiate this. ·   The duration of a fee simple ownership property is effectively forever, or until the owner sells it. Leasehold properties usually have a maximum lease duration of 99 years, and in practice, are

WHAT IS THE GROSS RENT MULTIPLIER (GRM) IN REAL ESTATE?

If you’re a real estate investor or just in the market to buy a home, then you’ve likely come across the term “gross rent multiplier” or GRM. But what is it, exactly? And what does it mean for you? When you’re buying a property, one of the most important things to understand is your potential return on investment or ROI. This is calculated by multiplying the annual rent by the gross rent multiplier (GRM). At MY SMART COUSIN, we want to help you make your first step in real estate investing as straightforward and painless as possible. As seasoned Real Estate Investors and Investment Coach, we lead aspiring homeowners and investors, and especially Black and Brown folks and women, through the process of implementing real estate investment goals. We develop custom-designed strategies and roadmaps that are tailored to your particular situation and interests. And if you’d like to buy a house for the price of a car, our personal favorite way to invest, we’ve got you covered there too. In this blog post, we’ll break down everything you need to know about GRM and explain how it can help you make better investment decisions. Stay tuned! WHAT IS THE GROSS RENT MULTIPLIER? The gross rent multiplier, or GRM, is a tool that investors use to estimate the potential return on investment for a rental property. To calculate the GRM, you simply take the purchase price of the property and divide it by the annual gross rent. For example, if you purchase a property for $100,000 and the annual rent is $10,000, the GRM would be 10. Or said another way, if you purchase a house for $100,000, then it would take you ten years to reach breakeven on a rent revenue basis. However, it’s important to remember that the GRM is just an estimate and doesn’t take into account other factors that could affect your actual return, such as vacancy rates, competing for rental options for tenants, and market conditions. So while the GRM can be a helpful tool in your investment decision-making process, it shouldn’t be used as the sole deciding factor. HOW IS THE GRM USED IN REAL ESTATE INVESTING AND ANALYSIS? The gross rent multiplier helps investors quickly get their arms around the potential value of a property of an income-producing property. Generally speaking, a lower GRM indicates a better deal, as it means that you are paying less for each dollar of rental income. Or said differently, it is taking you fewer years to recover your investment cost through rent revenues.  In addition to being used as a valuation tool, the GRM can be used to compare properties against one another. For instance, if one property has a GRM of 8 and another has a GRM of 12, then the first property is considered to be a better investment because it has a shorter breakeven period and requires fewer investment dollars per dollar of rent revenue. While the GRM is not a perfect measure, it is a useful tool for taking a quick snapshot of the value of an income-producing property. WHAT FACTORS INFLUENCE THE GRM FOR A PARTICULAR PROPERTY OR MARKET AREA? There are a variety of factors that can influence the GRM for a particular property or market area. · One of the most important factors is the current state of the housing market. If there is high demand for housing, the price of entry for an investment property will generally be higher, leading to a higher GRM. · Another important factor is the location of the property. Properties in desirable areas will often sell for a premium, resulting in a higher GRM, which may outweigh the value of the higher rental income. · Additionally, the size and condition of the property can impact the GRM. Larger properties or those in better condition will often sell for more, resulting in a higher GRM. · Ultimately, the GRM is impacted by a number of different factors, all of which should be considered when evaluating a potential property purchase. WHAT ARE SOME OF THE PROS AND CONS OF USING THE GRM IN REAL ESTATE INVESTING DECISIONS? The GRM is a powerful tool that aids in making real estate investment decisions. THE PROS · The GRM can be used to quickly and easily compare different properties. ·   It can help you evaluate whether a property is a good investment, · It can provide valuable insights into the market.    THE CONS · The GRM does not take into account all of the factors that affect real estate values. It is important to remember that the GRM is just one tool, and the number should not be followed blindly as a rubber stamp of whether the property is a good or bad investment. YOU CAN ALSO READ: CAP RATE EXPLAINED AS WE BEGIN EYING 2023, AND WHY IT MATTERS WITH RENTAL PROPERTIES FOLLOW US: @MYSMARTCOUSIN

CAP RATE EXPLAINED AS WE BEGIN EYING 2023, AND WHY IT MATTERS WITH RENTAL PROPERTIES

In some parts of the country, rental properties are in high demand. This is due to several reasons including people wanting to downsize, people wanting to live in a more walkable /livable area, and greater interest in trading away the cost and time of home maintenance for a maintenance-free lifestyle. Whatever the reason, the net result is that renters will always be a preferred or required lifestyle for a large segment of the population. As such, it pays to understand cap rates and how they are calculated. In this blog post, we’ll explain what a cap rate is and why it’s important when buying or selling a rental property. So whether you’re a landlord interested in understanding what your property is worth or someone curious about the real estate market, this blog post has got you covered! WHAT IS A CAP RATE AND WHY DOES IT MATTER FOR RENTAL PROPERTIES? A cap rate, short for capitalization rate, is a simple but important metric for evaluating investment properties. It tells you the expected rate of return on a real estate investment, expressed as a percentage. As an example, let’s say you’re considering buying a residential property. You’ve run the numbers and estimated the market value of the property, after renovations, at $100,000. If you rent the property for $1,500 per month, then your annual rental revenues are $18,000. Your rent revenues, however, are not the return you earn on the property— your return is your rent revenues minus your operating expenses. Operating expenses include property management, maintenance expenses, and property taxes. Let’s say that these expenses add up to $8,000 a year; with $8,00 in operating expenses, your operating income will be $10,000, yielding a cap rate of 10%. Why are cap rates important? Because the cap rate gives you a yardstick to compare different investment opportunities. For example, let’s say you’re considering two rental property investments. Property A has a purchase price of $100,000 and an annual operating of $10,000. Property B has a purchase price of $400,000 and an annual operating income of $20,000. Which one provides a higher return on investment? At first glance, it might seem like Property B does because the net operating income is twice as high. But when you look at the cap rates, things look different. Property A has a cap rate of 10% ( $10,000 / $100,000), while Property B has a cap rate of just 5% ( $20,000 / $400,000). That means that Property A will generate twice the return on your investment as Property B. So even though Property B has a higher absolute return in total dollars, it’s a less profitable investment when considering the return against the amount of money invested. Of course, there are other factors to consider when choosing an investment property. But the cap rate is a good place to start because it gives you a clear picture of the potential return percentage on your investment. And that’s why it’s a particularly useful tool for rental property investments. EXAMPLES OF HOW THE CAP RATE CAN BE USED FOR REAL ESTATE INVESTMENTS One way the cap rate can be used for real estate investments is to help you determine how much rental income you need to earn, or what your maximum operating expenses should be, in order to achieve a target cap rate. Let’s imagine that you are considering purchasing a property that has no rental history. The property is selling for $100,000, and your goal is to realize a minimum cap rate of 5%. You have obtained quotes from several property managers; the consensus is that property management costs plus maintenance are $6,000 a year. Your property insurance is $2,000, bringing you to a total of $8,000 in expenses. The initial rent you were targeting for the property was $1,000 a month, or $12,000 a year. But subtracting $8,000 from this leaves a net operating income of $4,000, or a 4% cap rate. You quickly realize that your rent will need to be on the order of $13,000 a year, or $1,083 a month, in order to achieve a 5% cap rate. HOW YOU CAN USE THE CAP RATE TO MAKE MORE INFORMED DECISIONS ABOUT YOUR INVESTMENTS There are a few things to keep in mind when using the cap rate. First, it’s important to look at the cap rate in context. Meaning, you will want to compare properties with similar risks and rewards. For example, a property that requires significant renovations is likely to have a lower cap rate than a property that’s move-in ready. Likewise, a property that’s in a high-demand location such as near a desirable school district is likely to command a rent premium versus one that isn’t. Second, it’s important to remember that the cap rate is only an estimate. Your actual return on investment may be higher or lower than the projected cap rate. Therefore, it’s important to do your due diligence and research properties thoroughly before investing. By considering these factors, you can use the cap rate to make more informed decisions about which investment properties are right for you. SUMMARY So, what is a cap rate? In short, it’s the projected annual return on an investment property— after operating expenses— divided by the property’s market value. It matters for rental properties because it can help investors determine whether a particular property is worth buying. YOU CAN ALSO READ: THE HIDDEN BENEFITS OF OWNING TURNKEY RENTAL PROPERTIES FOLLOW US: @MYSMARTCOUSIN