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Definition of Financial Freedom

Financial Freedom

Financial freedom is being able to do the things you want to do without having to worry about money. It can also mean having enough assets to make your money work for you. This is so you have the ability to work zero hours and still make money. You can also have financial freedom when you have all your assets combined, and pay for all your expenses and lifestyle. For example, if you own real estate assets, those assets should be able to cover your expenses in paying your bills and lifestyle. If you’re able to earn more money from your assets while covering your expenses, then that results in cash flow which will allow you to be financially free.

How to ensure you’re meeting your financial goals

When planning to meet your financial goals, you may need to think about your lifestyle. If your lifestyle includes going out every weekend, then this equates to additional expenses. Eventually, these expenses can add up and may make it difficult for you to reach your financial goals. Creating a system to monitor your expenses and how much you earn from your job or through assets is important. If you have a good system, then you can still maintain your lifestyle without having to worry too much about your finances.

financial goal

Another system you can try to implement is to set aside $10 per day which will allow you to have $3650 each year. This budget can go to your savings and may help you reach your financial goals whether it’s to invest the money or buy assets.

Budgeting can be difficult and can be tedious for many people. There are two schools of thought whenever you look at budgeting. One is the Dave Ramsey approach which is to live off beans and rice and track every cent. This approach can be done for those struggling with debt and may help you be debt-free over time.

The other approach is from a book by Ramit Sethi called I Will Teach You To Be Rich, where you’ll find the conscious spending plan. This puts your income into four categories which are fixed cost, investments, saving goals, and guilt-free spending. He says you can be rich by just saving 10% of your income every month. Ideally, you can save 20% or even more, but there will be a 20% guilt-free spending piece. You don’t need to track everything you do down to the last cent, but cut down the things you don’t care about. Find out what you don’t care about and things you do spend on, and then cut back based on that. Always remember to pay yourself first and this comes from almost every financial expert.

When should you focus on paying debt ASAP vs. minimum payment?

paying debt ASAP vs. minimum payment

There are two kinds of debt, the good and the bad. Good debt is when you use debt to purchase things you can make a profit on in the future, assets such as real estate. Bad debt is when you use the money to purchase liabilities such as clothing, cars, and anything that depreciates. There’s no need to rush paying off debt when you’re leveraging off it, then that debt is working for you and you’ll be able to focus on other debt.

The Path to Financial Freedom

This week we talk about financial freedom and things you can consider to get you to that point where money won’t be an issue and you can perform your lifestyle without having to worry about it. Everyone is working to get to financial freedom and it’s important to understand how you can get there if this is one of your goals in life.

Difference between an asset and a liability

An asset provides an economic benefit while a liability takes money out of your pocket. There are essentially assets and liabilities in everything that you do. In a relationship, it can answer questions like how much can this person take away from me or if the person adding to me and building me up. When you look at asset and liability from a sports perspective, someone who’s an asset to the organization can make great plays and help the team win. Someone who is a liability in sports can be a person who gets a big contract in an organization but often gets injured.

assets and liabilities

Should you invest in cash flow or capital gain

If you’re investing for capital gains, then you’re not necessarily going to have a lot of them. Whereas cash flow, it’s easier to get into it but will help you get capital gains in the future. Basically, capital gains are just the profit of a real estate or some type of investment you have. You purchase real estate and then renovate it to get more money upfront. The cash flow in real estate, is where you buy the property, fix it, and then rent it out. Your cash flow is everything you gain after you deduct expenses from the real estate such as maintenance and all the expenses of the house. Capital gains can be a gamble because you are buying a place just to hope it goes up in appreciation and sell it in the future. You won’t know if the property will go up or down.

The idea of cash flow is you use other people’s money and take home excess cash flow. The bonus is down the road and it’s a long-term investment. The goal behind building up your cash flow is to get to a point where your cash flow exceeds your salary or the money you’re making from your day job. When you have that steady cash flow, then you can consider capital gains because eventually, you’ll sell that.

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Bobby Hitting His 2 Year mark of Sobriety

Drinking can be addictive and can interfere with your business and lifestyle. You won’t often have the time and energy to work towards your business goals and achieve the success you want for your business. We are very proud of Bobby who has achieved his 2-year mark of sobriety. In St. Louis, the majority of people can’t achieve this goal because of what St. Louis is, a drinking city. It becomes tough for people to stop drinking because it’s on almost every occasion.

The 1-year mark when quitting drinking is always the hardest. The second-year can go by without you even noticing that you’ve already stopped drinking. Aside from achieving his second year of sobriety, 75 hard is also another thing he is continuing to accomplish, a great book on helping you get a healthier body and improve your mental health.

Airbnb is banning parties

Airbnb is banning parties

There are a lot of hosts on Airbnb that are going against parties at their estate which is why Airbnb decided to ban parties. Apparently, hosts are still encouraging people to rent out their places for parties. Banning parties has already started in 2019, but loosened the ban in 2020. This was because all the bars were closed due to the pandemic. However, they still did proceed with the ban after the pandemic continued to rise.

Recently they opened it back up and the issue wasn’t because of the pandemic, but because their neighborhoods were complaining about the parties. Nothing has really changed, but Airbnb has a zero-tolerance policy. So if they find that you planned a party after getting an Airbnb, then they are going to suspend you or remove you entirely from the app. We can’t really tell how Airbnb is tracking users and most high school graduates around 18-19 are booking Airbnb. If Airbnb did track and give that user a suspension or a ban, then the teens will probably just cycle to the next account.

FCC Commissioner Brendan Carr asking for Apple and Google to remove Tiktok from stores

FCC COMMISSIONER BRENDAN CARR ASKING FOR APPLE AND GOOGLE TO REMOVE TIKTOK FROM STORES

They want to remove Tiktok from Apple and Google stores for its pattern of surreptitious data practice. In their data practice, all the algorithms and data they collect from the US are stored. Tiktok is owned by a Chinese company ByteDance and it would seem that the app is similar to sheep’s clothing. They are harvesting all these data from the US and the government doesn’t like that.

The algorithm for what pops up and what rewards people on TikTok is very different in China than they are in the US. In China, the algorithm works to where what China wants its youth to do. This includes videos on engineering, chemistry, science, finance, and more interesting videos. Whereas the algorithm in the US, people would see the milk crate challenge or videos about dance challenges. People could scroll hours and hours and pick up nothing that can enhance the youth. This led to debates about whether this was an actual inadvertent attempt to sabotage the youth of America.

Ghislaine Maxwell sentenced to 20 years in prison

This was a case that many people have been following but it was refused to be televised. Ghislaine was part of child trafficking or underage prostitution. She’s been involved in this for around the same length of years as she is about to go to prison for including countless other people involved.

Ghislaine Maxwell sentenced to 20 years in prison

It raises the question, “How is she not in for life?” She was luring the children back and is basically the operations manager for the whole thing.

FCC Commissioner asking to remove TikTok, Airbnb banning parties

This week we talk about the latest current events, we’re also sharing personal events along with some very interesting news. Brofessional Development is a podcast where you can find informative topics on business and occasional news updates that may be interesting for you.

Facebook and Instagram remove abortion pill posts

Facebook also removed posts previously about how people posted saying COVID-19 is not real. This is the same for people who posted about anti-masks and Facebook also took those down. There will always be something that’s right and something that’s wrong when it comes to abortion pill posts.

Facebook and Instagram removes abortion pill posts

It is a free market so people should be able to post about it. Then people started to remake posts saying the exact same thing by replacing it with a different term, and Facebook didn’t really notice that.

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The story of Jillian Tedesco’s company

Jillian grew up to be an athlete which made her decide to start in the fitness industry when she was 22 years old. She was a personal trainer, had her own training studio, and continued to work for a decade. The first mistake that she did getting into the business was starting the business with someone she didn’t know. 3 years running the business, she did not have equity, wasn’t able to profit, and had a fall out with her partner. On Jillian’s 25th birthday, she walked out on the business.

jillian tedesco

Jillian’s Passion

She had a passion for fitness but somehow she wasn’t able to the purpose or have a clear answer to why she is doing it. She found her real passion which is nutrition with the help of God in her time of struggling with trying to grow her business. Jillian loves to cook. She is a creative person and with cooking, she was able to express her creativity. She always wanted to go back to school but chose to continue her personal trainer business. The opportunity did present itself and she went back to school and got her culinary degree.

Jillian then started cooking for her clients because they didn’t eat well. When she started her fitness business, she knew her goal wasn’t to make money. Her goal was to solve problems, she wanted to help people and she was passionate about it. That became a driver for today where she uses her culinary excellence and put it with nutrition science to create the flavors. She pretty much became a personal chef for her clients which lasted for 3 and a half years. She opens up a brick and mortar and the business took off. In three years, she was able to open three stores and have a multimillion-dollar company with around 45 employees.

The company at one point did start to fail, they weren’t making the money. Jillian had lost track of what was important and eventually had to borrow money to continue her payroll. She knew that she was still on the right path, doing what she is passionate about. She figured out that she just needed to grow and innovate. She decided to go to Las Vegas to a package Expo, but she knew that they have to look for machines that package and label their meals. After 2 years, she was able to return and purchase 2 machines to implement in her production.

Jillian’s Faith encouraged her to continue

There were new challenges where she needed to restructure her entire company. The problem with this step is that people will get fired and there are workplace relationships that can hurt others. She needed to keep people that were there to help elevate her business and keep everyone on the same boat moving forward. Your employee culture is important because if you can’t handle it, then there will be changes that you can’t get back.

Working 6 more years without getting paid can make you feel less motivated to continue the business. For Jillian, her husband helped her by encouraging her to keep pushing forward and not be greedy. She went back to her faith because the Bible offers her a new perspective and what they’re battling that she can relate to. She knew that the times were changing and had to build an e-commerce.

How did Jillian innovate her business to success?

In 2017, they decided to rebuild their website and integrated Shopify with their website so they can build an online store. As the years continued with implementation, their online store started to grow at a steady pace. At the beginning of 2020 when the pandemic hit, everybody was shopping online. Everybody was looking for healthy food and at this moment, Jillian’s business was ready for this new change. She found her business in the right spot at the right time because they had innovated at the right time. Her business doubled during the pandemic and had to continue to adapt to keep up with production. Technology also helped her because meals that were fresh for 5 days would now be fresh for 10 days because of the machines.

Other Challenges the company faced

With the business you can never foresee the future, you can only try to work and continue making changes. Now, Jillian is working on her brand and has 5 locations in St. Louis. Her company is starting to build its reputation and she wants to be known for something. So when people think about fit flavors she wants people to think about the food that can help them get a healthy lifestyle. For this reason, they’re currently developing an app that is designed to direct people to where they want to go for nutritional needs and have their dietary restrictions followed. Anything related to health and diet, Fit flavors is the resource for healthy eating. When you’re building a culture in your company and you have people working for you. If they don’t feel like they belong to something that matters, they’re just not going to care like you are.

Pursue innovation and embrace change for growth. We would like to thank Jillian Tedesco for sharing her inspiring business story with us today. If you would like to know more about Jillian Tedesco, visit fit flavors.

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What is 75 Hard Program?

75 Hard Program is created by Andy Frisella as a transformational mental toughness program. This is where for 75 straight days, you must follow a diet designed to achieve your goals. This will include no alcohol or cheat meals, you will have to complete 2, 45 minute workouts. The 2, 45 minute workout will be one which has to be outside, drink a gallon of water, read 10 pages of a self-improvement book and take a progress picture on the surface program. This is a program that looks like a health and fitness program because it does help with health and fitness. However, Andy Frisella promotes this program as a mental toughness program.

75 Hard Program

Why should you consider doing 75 Hard?

For many people getting started with 75 Hard can be a difficult decision. There are some people that rely on alcohol to relieve stress or just have the habit of drinking. People can drink moderately and still workout but the book can suggest otherwise. If your goal is to lose weight, then 75 Hard can be helpful. However, seeing the book as a mental toughness type of challenge was always considered less. If you consider doing 75 Hard you will eventually see yourself lose weight, but you will also gain that mental toughness which the book also offers and is promoted for.

Biggest Lessons you can learn from the program

75 Hard offers a lot of stability and good habits that you can implement in your daily routine. The book encourages you to start your day with a workout. We are what we watch and what we listen to. This means if you wake up every morning and turn on the News versus doing something yourself, then you may notice something different between these two factors. 75 Hard motivates you to do your workout and develop yourself regardless of the weather. It can be hard to get started with the walks, changing your diet, and all the workouts that you must do for 75 days, but it can be very rewarding. Eventually, as you progress through the program, you may reach a point where you’re enjoying doing the routine.

Favorite and least favorite parts about the program

Nowadays, books are often considered less enticing to go through rather than an audio book. Some people may not read through 75 Hard because of this reason. However, if you get past that, then reading can essentially be another way to toughen your mental health. For others, reading can be a way that they show effort. They won’t spend time to read a book unless it has great value in it. The least favorite part can be following the diet plan. It can be hard to get out of your comfort zone when you have found your food habits to be part of your daily life. However, these food habits can always have a negative impact on your health if you don’t monitor what you eat.

When you’re done with the program you can notice change, not only in your mental health but also your physical appearance. You’ll be surprised at what you’ve achieved by following 75 hard and that can be a great feeling. During the program, you’ll reach a point where you’ll choose what phases you want to go with. Whether it’s financial, business related, or spiritually related, you will choose which phase to start and maintain. The choices you make can either be beneficial or may make you rethink if the choice you’ve made is the right one for you. Each of the tasks offered in the book can help build your mind and body, which is why making the choice you feel is right for you is always beneficial.

75 Hard Tips and Tricks for Success

This week we share our experiences with 75 Hard programs. We’ll share how we progressed and how it can be beneficial to those looking to achieve mental toughness that can be useful for your business. Acquiring mental toughness aside from a well-organized routine can always bring positive change that can improve your overall lifestyle.

Tips for those considering to start 75 Hard

If you’ve thought about doing 75 Hard, then there’s probably something in your life that you’re not happy with. This is good for those who want to get back into shape, want to cut their alcohol intake, or want to adapt a better and healthier routine. These are just some of the common reasons to consider doing 75 Hard. Find the reason why you want to start doing this and use that to motivate you and get started. There can be some doubts where you can’t finish the gallon of water, or the diet is hard. You just have to work around that and try keeping in mind that you want to stay hydrated, or want to enjoy better food.

The only stopping people from getting started with 75 Hard is yourself. Figure out what’s important to you and choose whether you want to go all in or not. Another tip is get yourself started and at least get to day 21. Break the plan down into more manageable chunks. Get to day 21 and allow yourself the time to really make the best decision if you would like to continue with the program or not. You can also try posting your progress on social media. This is because people care about their image and want to show how well you can stick to a plan. If you stop posting your progress, then that just shows others that you couldn’t keep up with the program. Doing this can help you motivate yourself and show your group of friends how well you can adapt to change and implement a better lifestyle for yourself.

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What does transparency mean?

Being transparent is being clear with somebody whether it’s right or wrong, or indifferent while being honest is being truthful. When speaking to your employees about a certain problem they have with their productivity. You may think it will hurt the person’s feelings and give them a bad day. If you’re being honest, then yes, it should because you’re stating facts and that’s how it should be. No matter how challenging being transparent and honest you are toward your employee, you should still be open to both personal and professional relationships to strive.

In terms of business and leadership, it plays a big role to be transparent and not just set expectations. When you know your employees are making mistakes, it is your job to let them know as soon as possible. Let them know the consequences of continuing their way, the more transparent you are the easier it is going to be in the long term. People will often avoid being transparent because it can be easier in the short term in certain situations, but you’re eventually prolonging something that should have been fixed earlier.

Times where businesses lack transparency

There will be times in your business when somebody will get upset or your system can get messy. At the end of the day, these are factors that are part of the business. If an employee decides to quit then it was just a matter of time, and you as the owner will probably rebound a lot better out of that loss. There are two types of transparencies in business, it’s either your employee has problems with how they work or their overall health. You have the ability to assess these types within your employees. If you don’t be straightforward with your employees, then eventually, it will affect your business in a negative way.

Times where businesses lack transparency

Lack of communication will make it harder for you and employees to work in the same workplace. You can’t try a new model or system for your business, without informing your employees. This is because your ideas won’t take effect and will make it harder for you to achieve what you want. You can always try to let your employees know about how well the business is doing by informing them about the risks, how difficult the decision was to do, and the value of the job for your business goal.

When it comes to employees asking for a higher paycheck because you are making more. You can give them an idea of what you had to go through to make that profit. For starters, you’re the one taking the most risk and with that risk, you may lose in profit and revenue. Other employees may get jealous of their colleagues because they are getting a raise or a higher position, but you have to explain or make it clear how that employee achieved that. This is through announcing what that employee did for the company or how that person brings a lot more value and revenue than others.

Is Honesty the Best Policy in your Business?

Transparency is being honest with other no matter how difficult it can be in your business or your employee. Transparency can depend on you as a business owner, you can be transparent with yourself or toward others.

Areas in life where you can be transparent

Areas in life where you can be transparent

Being transparent in yourself allows you to live a happier life. You won’t feel like there will always be conflict in every decision you make in your business. Subconsciously, you know that there are milestones in your business that will get you stuck and have lower productivity, but that’s how businesses work. The decisions you make and the way you talk to your employees can always make an impact in the long term. You may struggle thinking about the approach but it will always be hard to do in the beginning. You can’t always settle for short-term solutions and forget about it, because eventually that problem will return or continue to happen to leave a larger problem for you to face.

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Mass Shooting at a Texas Elementary School

A mass shooting in Uvalde, Texas occurred killing 19 children and 2 adults. This is the deadliest school shooting in almost a decade.

Mass Shooting at a Texas

The lone gunman is an 18-year-old kid and had posted on social media saying, “I’m going to shoot my grandma.” Posted on Facebook after he shot his grandma. He then proceeded to crash his car, and posted to Facebook “I’m going to shoot up an elementary school.” The gunman had posted these things on social media prior to his actions.

Shooting at Texas

Social media is perceived as a bad thing because it has affected a lot of people’s mental health and people waste their time scrolling on their feeds. We hope that somehow in the future that Mark Zuckerberg could track things like this and help us prevent tragedies such as this. Something has to change whether it’s mental health or gun control, to try and prevent things like this from happening.

Airbnb Parties in St. Louis

Airbnb parties have been running rampant in St. Louis. This is happening all around the state and kids, often teens would book an Airbnb for a night. Once that’s done, the party starts at night, and landlords or homeowners will be the ones to clean up after. Most people can’t stand this and the rave parties can get real loud which will disrupt the entire neighborhood. Lots of teens are considering this because renting an Airbnb is much cheaper than renting a hotel room. In hotels, they would have to deal with security and the lack of space, while an Airbnb can provide all those benefits at a cheaper price.

Job Market Update

The Great Resignation in 2021 led to many people quitting their jobs. Grant Thornton did a survey on about 5,000 employees. 21% of American workers took a new job in 2021, and already, 40% out of that 21% are now looking for new jobs. LinkedIn data show that people having their jobs after being there for less than 12months, rose by 6.5% this year. It is a candidates market, this means that employees are the ones looking for better opportunities to earn more. Employers are the ones having a hard time finding good employees because everyone on the market is just looking at what employers can offer.

Cardinals Livening the Game Again

Yadier of Cardinals

After Albert’s pitch, Yadier got in and threw some innings after the Cardinals were up 18 and nothing on Sunday. Yadier gave home runs just like Albert did, and it’s getting better for the team. They can even make it better if Wayne got behind the plate closer to the end of the year. It’s good to see the Cardinals blow people’s minds out with these moves. It would make it really fun to watch if they would put people in positions they knew nothing about and see how it goes. Once they start doing that, people will start tuning into baseball more often.

Shooting in Texas, Monkeypox, Job Market Updates

Getting updated with the latest news that’s happening around us is important to find out if it may affect your business or not. Brofessional Development podcast covers trending news that should be brought to your attention. In this episode, we talk about the mass shootings in Texas, Airbnb parties in St.

Monkey Pox

Monkey pox virus

Monkey pox is not like covid-19 where you’re not going to get monkey pox just by going past the person that’s infected with it in the grocery store. This is coming from the CDC official Dr. Jennifer McQuiston explains. It spreads through continuous physical contact with a person who has an active rash.

You can do what you normally do but don’t rub yourself against another person who has any type of rash on their body. Monkey pox got its name in 1958 when two outbreaks of a pox-like disease occurred in colonies of monkeys kept for research.

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Rise of Inflation

Inflation is constantly rising and is affecting a lot of people and businesses. The rise in inflation also affects people like Elon Musk and Jeff Bezos since they have a lot of money. Although the government is planning to raise interest rates to try and keep inflation down, it’s still unavoidable. Jeff Bezos commented on this issue and said “You’re not going to cure inflation at all, you’re actually going to hurt the people that inflation hurts the most.”

Increase in inflation

Although there are a lot of factors that affect inflation, Economists also state that inflation isn’t anybody’s fault but the government alone. This is because at the end of the day, the government controls the value of the dollar. Another reason why inflation has been high is because the government printed so much money in the course of two years, because of the effects of COVID-19. Mitt Romney said that they’re applying a bill that is going to prevent Biden from being able to forgive any student loans. This means that students who’re unable to pay their student loans can’t be forgiven, because there are students who’ve already paid and are paying their loans. Making it unfair for those students repaying their student loans, because the ones that can’t pay their loans are just going to be forgiven.

Although there are a lot of factors that affect inflation, Economists also state that inflation isn’t anybody’s fault but the government alone. This is because at the end of the day, the government controls the value of the dollar. Another reason why inflation has been high is because the government printed so much money in the course of two years, because of the effects of COVID-19. Mitt Romney said that they’re applying a bill that is going to prevent Biden from being able to forgive any student loans. This means that students who’re unable to pay their student loans can’t be forgiven, because there are students who’ve already paid and are paying their loans. Making it unfair for those students repaying their student loans, because the ones that can’t pay their loans are just going to be forgiven.

Understanding Inflation, Johnny Depp & Amber Heard’s Trial, Elon Musk Twitter Deal on Hold

Getting updated with current events is important if you want to understand what’s going on in the country. This will also help you understand how the economy is being affected by these new events. In this episode, we talk about the current events that are affecting us in business.

Baseball Events – Pujols’ first time ever Pitching

Albert Pujols, St. Louise Cardinals brought him to pitch and the very first pitch he threw, the batter gets a hit on him. It was a three run home run, and then he gave up another home run right after. That was Pujols’ first time ever pitching, but it was quite interesting event. He’s played every position except for two. We’ve come to see a lot interesting events from the Cardinals and this is just one of them. Earlier that day Wainwright and Molina were pitching which got them the lead and continued their streak.

Walmart’s Huge Loss in Profits in Q1 Earnings

Although Walmart got this huge loss, their retail in April still increased for the fourth straight month. Walmart’s losses has to be coming from their supply chain issues. There was a time where they weren’t able to keep up their supply for the demand needed of their goods. People are prioritizing retail over actual food which somehow shows how Walmart’s retail continues to increase.

Johnny Depp and Amber Heard

Statistically, more people are interacting with the news article about their trial, than topics such as abortion, inflation, Joe Biden, and Elon Musk. This is the biggest news that people are constantly tuning into and their traffic has jumped to 9%, 16%, and 22% in the last three months. We understand as this case is continuing on, Johnny Depp is the good guy and Amber Heard is the bad guy. However, it just seems people are wasting their time on an event that’s become a reality TV.

US Soccer Agreeing Equal Pay

If the women’s soccer team is winning gold medals and are succeeding in this sport, then they should get paid the same amount as the men that aren’t performing well. For this reason, they are pushing for this agreement to have an equal pay for both men and women in soccer. After they won the court case, they got paid 22 million which is what the men are getting paid for. US Soccer will also share a portion of its broadcast partner and sponsorship revenue with 50-50 split. This is equally divided between men’s and women’s soccer.

The main reason why men’s and women’s soccer game weren’t equal in the first place is because people would come watch men’s game verses women’s game. This is even though the men’s team don’t perform well, they would still get the attention of more people to come watch. The more people come to watch the more revenue it gets when the seats are being filled, and more people are there to purchase merchandise. All this revenue is gathered to give back to the players.

Elon Musk Twitter Deal on Hold

Elon Musk says the SEC reports said that there was less than 5% of bots or fake accounts on Twitter. However, Elon Musk things there is 20% to 50% of those are actual fake accounts. The CEO of Twitter could not provide that information to show that there is less than 5% fake accounts. For this reason, the deal will be hold until there is proof given.

An undercover video of a Twitter employee saying that Elon is trying to remove censorship. This refers to people being bullied, Elon thinks that this is freedom of speech. So the Twitter employee shows that with them fully censoring everything, they are not proving to be a freedom of speech type of company. In relevance to the fake accounts, there’s another topic that said Elon Musk’s followers, around 23% of them are fake or spam accounts.

Real Estate Housing Market Crash Issue

Real estate’s a very outstanding commodity right now and has been for a long time. From our research, there doesn’t seem to be a housing crash. If people are telling you that there’s a 100% crash, then they’re most likely trying to sell you something. However, we don’t actually know that it will happen unless it happens. People are comparing statistics from 2008, but the market right now is nothing like 2008.

In 2008, there was no demand and there was oversupply of real estate. Nobody is foreclosing right now and back in 2008, 50% of mortgages were FHAs or from Federal Housing Administration. These were higher risk for first time homebuyer loans. When you had an FHA, you don’t have a lot of equity in your house. But right now, it’s at 23% to 28% which means people have a lot of equity in their house. This means that if people took a downturn, then you would have options to cash out, and get bailed out.

Adjustable rate mortgages was up to 15% to 20% of the loans going out, which started out at a teaser interest rate of 2% to 3%. This could adjust based on the market, and when the market took a downturn, everybody’s interest rates were tripling and quadrupling after that making people unable to afford their mortgages.

Another thing to look at out for in housing crash when you’re thinking foreclosing or defaulting loans, is the job market. There will still be two jobs to every one person in the US as long as this is a candidate driven market, then people will not have issues getting jobs and have no issues paying their mortgage. Based on what we’re seeing right now, there’s going to be some course correct. This is where the prices will readjust and may probably go down to about 5%, but there won’t be a crash. There may only be a possible market crash but it will only be because of inflation.

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Tom Brady’s Fox Sport deal

Tom Brady signed a deal with Fox Sports $375 million for a ten year contract. Tom Brady in fact one of the greatest of all time. Almost everyone in America loves and knows him, but Brady still doesn’t seem to be the ad hoc he once was. Tom Brady is a great competitor, but he doesn’t have that ad hoc personality. When something is scripted he will stick to it and won’t try to do something that would spark additional attention. Despite this fact, he still does well on his Instagram videos and also did very well in various commercials.

Hank and Ria Drama

Hank Lockwood and Maria Ciuffo (Ria) dated for around four years, and have recently broken up. They decided to keep things clean and won’t talk about it in the office. However, pictures starting coming out on Reddit of Marty Mush and Ria. Ria’s past relationship with Hank Lockwood makes the situation a lot more complicated than it should have. Barstool Sports has always been the one that positions people to stay in the drama. The whole office became split and are interviewing people within their office. This even involved Tom Brady and he weighed in on the issue. They possibly have a reality TV show in the middle of Barstool because of this.

Would you rather have Barstool Sports Channel or ESPN?

Barstool is a serious threat when it comes to providing information on trending sports and pop-culture. It is somehow divides the viewer’s opinions when compared to ESPN for quality sports content. However as far as being your go to information on trivial matters, Barstool episodes tend to grab more attention. Although Barstool can’t be compared directly to Disney and ESPN’s performance, Barstool still proves to grow and have steadily increased its following.

What is trending this week!

This week the guys from Brofessional Development take a look at what is trending the last week!  Tom Brady signs a huge deal to jump in the booth after his playing career!  EA Sports and FIFA split after a dispute over money and contract talks!

iPod has been discontinued

We all have had our fair share of using iPods and provided us with quick and easy access to our favorite music and playlist. It’s officially been laid to rest on May 10, 2022. One of the best features of having an iPod is it almost lasted forever. You would be listening to your music for an entire day and still have enough for the next. However, the steady decline in sales of iPods made Apple decide to discontinue its production. iPhones proved to be an alternative if not better, and allowed users to make calls and access social media.

FIFA and EA Sports have broken apart

At one point FIFA and have broken apart, and this is the same thing that happened with NCAA. NCAA made a contract about how the players should get paid. It’s true that college players don’t get paid to be in their game. This is why the attention is now on FIFA. FIFA is an organization that’s considered to be a corrupt one. This is in the form of higher members getting money for things such as the World Cup. The game alone brought 20 billion sales over the past 20 years. FIFA is asking for 1 billion for a contract from EA Sports because FIFA is a huge sport and is bigger than any other game they make. Compared to Madden and 2K22, FIFA provides more sales. Considering NCAA college basketball, it doesn’t seem that it will perform any better. However, the NCAA college football with EA sports is coming back this summer of 2023, according to the CEO of Collegiate Licensing.

What’s Trending this Week?

How Peloton exercise bikes became a $4 billion fitness start-up?

Peloton is now worth around $4 billion, they started to peak around mid-pandemic in 2020. In a year to a year and a half they’ve managed to grow in such a short amount of time. Eventually somebody will buy them out, it will just be a matter of who. It may be Apple or Amazon, but regardless of who, they will get bought out. They also acquired a new CEO and this is why their business is making the news. There’s still a small percentage of people who would buy a fitness bike and stay on their paid online courses of $39 a month. It’s still a different experience when you go to the gym and pay for their membership to go ride on a bike.

Elon Musk Plans to Unban Donald Trump on Twitter

Elon has made an official statement saying, “I think perma-bans fundamentally undermine trust in Twitter as a town square where everyone can voice their opinion,” He also added that temporary suspensions made sense. “If there are tweets that are wrong and bad, those should either be deleted or made invisible.” With this statement, Elon is making a point to show which direction he wants to go with the platform. Elon is transparent with everything he does and people may say, “I don’t like him” or “I like him”, this will not affect Elon’s plans or decisions.

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In this episode, we dive deep into what’s trending in business and entertainment.  From Drake’s versus Ceddy Bodwen roast on the internet, Drake getting revenge by sliding into his Wife’s DM, the Roe versus Wade debate on abortion rights, and the impact of the Fed announcing interest rate hikes by 50 points basis with the high inflation rate and GDP numbers being 1% on the negative.

Roe vs Wade, Fed Raises Rates, and BMI affecting Sexual Perfomance!

In this episode, we dive deep into what’s trending in business and entertainment.  From Drake’s getting revenge on an internet troll by sliding into his Wife’s DM, the Roe versus Wade deal, and the impact of the Fed announcing interest rate hikes with the high inflation rate and GDP numbers being 1% on the negative.

Besides, we look at Dave Chappelle’s attack on stage with a knife and how your BMI  and other factors might influence your sexual performance.

 Drake’s troll on Twitter

Somebody posted about standing up for dads that get mouthy and basketball games. Drake said, ‘it’s like a rite of passage, OG’s talk. I know I might be this way, even if my son is in a Rubix cube competition.”

Ceddy Bowden replied, “I bet your son plays with ghost riders.” In revenge, Drake replied, “I just followed your girl because she is probably miserable and needs some excitement in her life.”

The Roe versus Wade deal

What’s Trending in Business and Entertainment
What’s Trending in Business and Entertainment

There was a leaked document that the supreme court will look at the case. However, it was an interesting time when the document leaked just toward the midterms and aimed to divide the country further.

More conservative states will probably ban it, and more liberal states will allow it. This last happened in 1973, and 50 years later, the issue is being revisited.

If they tighten up women’s ability to get abortions, there’s a need for male accountability since there’s a huge problem with fatherless children.

“The US Department of Justice shows children from fatherless homes account for 90% of all homeless and runaway children.”

However, there have to be some exceptions, such as rape cases or any serious medical condition affecting the mother and child.

Fed announcing interest rate hikes

It announced a hike by 50 basis points. With everything going on with inflation, the Fed is trying to curb the interest rates and bring inflation down.

 The GDP numbers are 1% in the negative. So, if there are two quarters in a row where the GDP is down, it means we are officially in a recession. The Fed is in a weird place right now, and they need to balance the interest rates, inflation, and the dropping GDP.

In real estate, the housing process has gone up by 30% over the last two years, and doing this, will bring interest rates down. A high mortgage rate equals high borrowing costs for buying a house. So, less people will buy, making the prices go down.

“Low-interest rates shoot up, and the pricing of houses and higher interest rates shoot down.”

 Dave Chappelle getting tackled on stage.

Dave Chappelle got tackled on stage when somebody tried to spear him. Busta Rhymes and Jamie Foxxx beat up the dude, and he ended up with broken wrists and a dislocated elbow.

BMI and Sexual Perfomance

“Researchers in Turkey did a year-long study on BMI and sexual performance. So what it says is men with a higher BMI last, on average, 7.3 minutes. But men who are leaner hardly make it to 108 seconds.”

However, the are other contributing factors such as:

  • Blood circulation: If your body fat is super high and will pump so much to keep your vital organs, it doesn’t give much attention to your dick.
  • Working out
  • Foreplay
  • Age

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One out of five mobile searches is for porn. In 2018, there were 33.5 billion viewers, that’s 92 million visits per day which is as much as the population of Canada, Australia, and Poland combined.

Tune into this episode and listen to some of the top-earners in the porn industry, highest-paid scenes, average annual pay, and our go-to search! Besides, just like any business, we get to discuss the new venture in porn, VR  porn. Tune in for more!

Porn as a Side Hustle? The business of the PORN industry!

One out of five mobile searches is for porn. In 2018, there were 33.5 billion viewers, that’s 92 million visits per day which is as much as the population of Canada, Australia, and Poland combined. Tune into this episode and listen to some of the top-earners in the porn industry, highest-paid scenes, average annual pay, and our go-to search!

In this episode

[01:26] What we’ve been up to

[06:11] Euphoria movie on HBO

[10:58] Porn overview

[13:19] The wage gap in the porn industry

[14:42] The highest net worth of all pornstars

[16:58] Highest paid scenes per type of porn

[21:22] How long is a porn scene

[23:05] Average annual pay

[26:28] The Go-To search

[30:44] Why do a lot of girls watch lesbian porn

[32:15] Percentage of porn mobile search

[32:57] The new venture in porn-VR porn

[35:30] A funny story on uncircumcised dicks

Powerful Quotes

  • It’s more a supply and demand thing. There are more people into anal than there are in double penetration.
  • If you do lesbian porn for 40hours a week, you are a millionaire
  • I like understanding the dynamic between the two people. It’s interesting, aligns up, and I feel like I could be the guy.
  • A lot of girls watch lesbian porn. There is no incarnation to become lesbian, do anything with other chics, or be bi. It’s like the porn that is guy and female porn. It’s all about the dude.
Porn as a Side Huslte

The main of every business is making significant earnings out of it. The porn industry is not any different. The industry makes $95 billion annually, with some top actors making lucrative earnings.

In this episode, we get to discuss porn statistics from the wage gap in the industry, highest-paid scenes, average annual pay, percentage of mobile porn searches, and the favourite go-to search. Besides, we get to dive deep into why most girls watch girl to girl porn.

If you’re looking to understand the various dynamics in the porn industry, this is for you!

Porn Overview

The porn industry makes $95 billion annually. That is like the NFL, MLB, and NBA combined. In 2018, there were 33.5 billion viewers, that’s 92 million visits per day which is as much as the population of Canada, Australia, and Poland combined. Those are huge numbers.

The wage gap in the porn industry

The highest-paid porn star of all; time is Peter North. He made it from porn and appeared on the big screen in movies like Blade and Zack and Mirri Make a Porno. Peter’s Networth stands at 11 million dollars.

Jenna Jameson has the highest net worth on the female side, which stands at 30 million dollars.

When it comes to top earners, Tiger leads with 7.7 million dollars.

Highest paid scenes per type of porn

What is the highest paid scene between the different types of sex? That is Solo, Lesbian, Straight, Anal Group Sex and Double penetration? The answer is Anal.

“It’s a supply and demand thing. There are more people into anal than there are into double penetration.”

As opposed to what type is more difficult, it depends on what’s popular.

How long do sex scenes last

Some sex scenes could last from 45 minutes to roughly one how, but most scenes will last 20 to 30 minutes.

Let’s say one scene lasts an hour. You are a millionaire if you do lesbian porn for 40 hours a week.

Average Annual Pay

Just like in any business, there are low and high seasons. However, the average annual pay for a porn actor is between $40,000 to $50,000. In comparison to, the general annual salary for a person outside porn is $46,000

Favourite Go-To search

Most people do not have a go-to search, but they just browse all pages until they find the most interesting videos.

“I just browse the main page. When I see something I like, I pop it open and check related videos.”

You can also multiple tabs and figure out which is the best for you.

“It’s like asking me what my favourite type of food is. It depends on time.”

Why do most girls love watching lesbian porn?

A lot of girls watch lesbian porn. There is no incarnation to become lesbian, do anything with other chics, or be bi. It’s like the porn that is guy and female porn. It’s all about the dude.

They know what they are doing more than we ever could. It is more realistic to them.

Virtual Reality Porn

VR porn is expected to be a $1 billion business by the end of 2025. Just like virtual reality gaming, which is at $1.4 billion.

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