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Apache is functioning normally

September 9, 2023 by Brett Tams

What a long, strange couple of months it’s been for me. On the blog, things have been quiet. Behind the scenes, I’ve been as busy as I’ve ever been.

The good news is that this busy-ness will (eventually) lead to a number of interesting articles. I’ve been reading Cal Newport’s Deep Work, for instance, and have some thoughts on it. I’ve been thinking about the concept of “no speed limits”. Shocking but true: I’m going to write an article about my primary credit card. And I’ve been reading and writing a lot about “doing nothing”.

Today, though, I want to clear my head (and my inbox) by sharing five short financial anecdotes.

In the past month, I’ve had probably twenty deep discussions about personal finance and personal values. While some of these conversations lead to bigger things (like the three articles I mentioned above), most don’t. But they still produce intertesting concepts and ideas. They sometimes lead me to make changes.

Here are a five money-related topics that don’t (yet) warrant articles of their own, but which I still find interesting (and worth sharing).

Going With Google

During my ten days in Portugal for the FI chautauqua, cell phone service was a common topic of conversation. Some folks didn’t have any. Others were paying a small fortune just to get a tiny bit of data from their provider.

There were two types of people who didn’t have any trouble with their cell service in Portugal: those who use T-Mobile and those who use Google FI.

“What’s Google FI?” I asked. I’d never heard of it.

“It’s Google’s cell service,” Owen said. “It’s cheap and has lots of features, but you can’t use it with Apple phones.”

“Actually, you can,” Bill said.

“But the website says it doesn’t work with iPhones,” said Owen.

“The website is wrong,” said Bill. “I’ve been using it with my iPhone for months with no problems — even here in Portugal.” He showed us his phone and explained how much he liked Google FI.

“I’ll look into,” I said. And I did. Here’s what I learned:

  • Kim and I currently spend $117 (plus taxes and fees) for our shared T-Mobile plan. This gives us a limited amount of high-speed data (although plenty for normal needs), plus service for my Apple Watch. (When the watch dies, I don’t plan to replace it, so eventually that’ll save us ten bucks per month.)
  • If we were to move to Google FI, it’d cost us $120 per month (plus taxes and fees). That’s roughly the same price, obviously, with no real advantages. (We’d have access to more high-speed data, although we rarely need that. Plus, we’d get Google One, whatever that is.) And it doesn’t include service for my watch.

My conclusion? For T-Mobile customers like us, moving to Google FI doesn’t make much sense. But I suspect many people ought to consider their service.

Meanwhile, we’ve been struggling with our wireless network here at home. Although Apple no longer makes wireless networking equipment, our network is built with routers from when they did sell the stuff. Some of these routers are now a decade old (or possibly older). We have four of them.

For whatever reason, our network is constantly going down. It’s frustrating. It’s quite common that three of the routers will be up while a fourth will arbitrarily decide to stop working for a few days. (And when we changed the network name last spring? Nightmare!)

While visiting MMM HQ last weekend, I noticed that Pete uses the Google Mesh system to provide service in his co-working space. “Do you like it?” I asked. “I’ve heard other people rave about Google Mesh, but I don’t know anything about it.”

“It’s awesome,” he said. “Totally trouble-free.” So, I’ve ordered a starter set of Google Mesh devices. They’ll arrive tomorrow. I have high hopes that this will cure our wifi headaches.

Taming the Email Beast

After returning from my nineteen-day trip to Portugal, Wisconsin, and southern California, my email inboxes were swamped. (I have five separate gmail accounts. Crazy, right?)

Naturally, I complained about the situation on Facebook. My friend Charlotte sent me a private message: “Do you have time to hop on a video call?” she asked. “I’ll show you a way to tame your email.”

Charlotte spent twenty minutes walking me through an email system she recently adopted. It effectively divides your gmail inbox — and yes, you have to be using gmail — into five different inboxes, each of which is themed. Once a day, you tackle your main inbox, routing messages to sub-inboxes. Then, when you have time, you work through the other inboxes.

This is a minor change to the way I do things (and admittedly it mostly delays messages to later), but it’s effective.

I send myself email twenty times each week. It’s my note-taking system. It’s how I offload things from my brain. This is great…except that my inboxes tend to get flooded with book recommendations, article ideas, and reminders of upcoming events. It’s a mess. Using this system, I can still send myself messages, but I’m now able to flag these messages so they’re routed to the appropriate sub-inbox.

I’ve been following Charlotte’s advice for two weeks now, and I like it. It hasn’t solved my email woe, but it’s mitigated the problem substantially.

Dozens of Credit Cards

Last weekend, Kim and I flew to Colorado to celebrate the birthday of a certain mustachioed friend. While there, I had several memorable conversations.

For instance, I chatted with Amy from Go With Less about how she and her husband play the credit-card game. They have an insane number of cards — 34? 43? I can’t remember the exact count — and over three million credit-card points.

While our conversation touched on topics like manufactured spending (a concept that blows my mind and angers card issuers), I was more interested in how and why Tim and Amy juggle dozens of credit cards. Doesn’t this hurt their credit score? Turns out: No. Because they pay bills on time and never cancel cards, they have nearly perfect credit.

Here’s a video in which they address this topic:

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I wanted to ask Tim and Amy more about their crazy credit-card fueled lifestyle, but I didn’t have the chance. I look forward to picking their brains more in the future, though.

Health Shares for the Non-Religious

Last weekend, I also had a conversation with Ben, who famously gets his cars for free. Ben is super smart and doesn’t accept the status quo. He’s always looking for ways to challenge the system in order to make the most of his money.

Lately, he’s been doing this with healthcare.

For many people who have retired early, health insurance is thorny issue. It’s expensive. Take my case, for example. I pay $403 per month for shitty coverage. This year, I’ve met my $7900 out-of-pocket max, which means I’ll have spent $12,736 (plus co-pays and prescriptions) when the dust settles. I hate the U.S. healthcare system. It’s insane.

Well, Ben too thinks it’s insane. Rather than complain about it, though, he’s been seeking creating solutions.

“Have you looked at health-sharing ministries?” Ben asked me on Sunday morning. “They can be a great way to cut costs.”

“I have,” I said. “But they all require a statement of faith, which I’m not able to give.”

“I had the same problem,” Ben said, “so I searched for alternatives. I found Sedera. It’s basically the same as a health-share ministry. You still have to agree to abide by certain principles, but they’re not based on a religion.”

“Is it affordable?” I asked.

“Yes,” he said. “I’m paying $200 per month per person for my wife, my daughter, and myself.”

“That’s not bad,” I said.

“But here’s the thing,” Ben said. “Sedera is designed to work with a direct primary care physician.”

“A what?” I said.

“A direct primary care physician is just what it sounds like. It’s a doctor that you work with directly without a third-party intermediary. That means the doctor bills you directly, not an insurance company. When you combine this with a health-sharing program like Sedera, it’s a cost-effective alternative to traditional insurance.”

“Kim and I have an appointment to talk with an insurance broker next week,” I said. “I’ll have to look into this as an alternative.”

“Do it,” Ben said. “You won’t regret it.”

Downgrading My Motorcycle

Lastly, here’s a topic that comes from several different conversations and a lot of soul-searching on my part.

When Kim and I started dating, I was surprised to learn that she was a motorcycle enthusiast. After she bought her father’s bike from him, I decided to learn to ride myself.

I started with a low-power Honda Rebel, which was perfect for my needs. Then, a couple of years ago, I made an impulse purchase: I upgraded to a Harley-Davidson Street 750. The new bike gave me the power to keep up with Kim on long trips. (The little Rebel was always falling behind on the highway.)

Turns out, though, that for day-to-day riding, I wish I had my Rebel. Kim and I don’t make many long trips — about one per year. And when we do, I’m fine falling behind. I’d rather have a quick and easy bike for running errands or zipping downtown. My Street 750 is not the right bike for this. It takes a long time to gear up and get the Harley ready to go.

I’ve spent the past year trying to figure out my best move. I’ve talked with a lot of friends and considered several options. Do I just stick it out with the motorcycle I have? Do I buy a new Rebel? Do I do something else?

After much thought and contemplation, I’ve decided that my best plan for the motorcycle situation is three-fold:

  • Sell the Street 750. Use the proceeds to purchase two replacements.
  • Buy a (used?) scooter to use for errands and running downtown. Kim plans to sell her motorcycle, so long trips are no longer an issue. I want something quick and easy to ride. I want to be able to get on the bike and go.
  • Buy an electric bike for use around home. I already own a bike, but as I’ve mentioned before, I don’t ride it. For one, I am fat. For another, we are surrounded by hills. MMM has urged me to look into Rad Power electric bikes.

Making this move — which likely won’t happen until the spring, when people are looking for motorcycles — is much more aligned with my values and lifestyle. Currently, my motorcycle mostly gathers dust. I ride it maybe 1000 miles per year. I’d ride the scooter more often, and the electric bike would get me out slicing through these hills for exercise!

What about you? What financial conversations have you been having with your friends? What minor money moves are you making in your life?

Source: getrichslowly.org

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Apache is functioning normally

August 8, 2023 by Brett Tams

While many agents start small, there’s no limit to what you can do in real estate. Today’s guest, Blake Hill, was working toward closing a $5 million deal before he had access to the MLS! Hear how Blake hustled as a newly licensed agent and made major moves for his first client. Blake also shares some of his favorite moments from the show, offers advice on accomplishing goals, and gives valuable tips on finding clients.

Listen to today’s show and learn:

  • Aaron and Blake’s bet [1:40]
  • The Maui real estate market [2:54]
  • Short-term rental restrictions in Hawaii [3:58]
  • How to work with a varied clientele [8:00]
  • Blake’s start in real estate [10:56]
  • Blake’s first real estate deal [15:15]
  • Planting seeds with potential clients as a new agent [16:02]
  • Keeping the client in focus and closing the deal [20:18]
  • Some of Blake’s favorite parts from the podcast [23:09]
  • Meditating on gratitude for success [25:23]
  • Advice on accomplishing your goals with visualization [29:15]
  • How Blake got on Real Estate Rockstars [37:35]
  • Blake’s plans for 2022 [42:39]
  • How to connect with Blake Hill [44:26]

Blake Hill

Blake Hill is often thought of as a quiet person. Put a strong cup of good coffee in him and he becomes a chatter box. Although quiet on the surface his brain is always engaged and bounces from thought to thought. If you ask him his greatest accomplishment in life. It would be his role as Dad. Blake has two amazing children. He has spent countless hours flying on airplanes and traveling the world with his pro-surfer son. They have chased waves from California to Europe, Mexico, Indonesia, Japan, Australia and countless other destinations. He’s the proud dad of a daughter who’s strong and independent with a passion for dance.
Blake’s professional life began in the movie business doing lighting for movies and TV shows. During this time period he would balance working on set with cultivating his passion for writing. His day would typically begin at 3am. He honed his craft for writing screenplays while also working on the set of movies. Over the years he amassed a collection of ten screenplays and a children’s book along with having his poetry published many times.

Once his children were born he chose to quit the movie business and focus on his kids. This was truly an amazing time in his life and a true gift from the universe. He is truly grateful to have had so much time with his children while they were growing up.

There’s an adventurous spirit that lives within his soul. He’s been riding motorcycles since he could walk. He’s raced motocross, hare n’ hounds and spent days riding across the Mojave Desert and camping under the stars. His rides across the USA have taken him through blizzards, tornadoes, and across the Arctic circle.

His passion for life was dimmed one day when he encountered a stroke. It was as if a light switch had been turned off. This experience was beyond humbling and fueled his passion for living even more. He’s not only physically strong but he’s mentally fit. The stroke tested his will and mental fortitude. He kept the event private with only a few friends knowing about his mental capacity. He was challenged by the everlasting question of; how are you feeling? His focus was on healing and getting his memory back. He didn’t want the constant reminder of what had happened. His physical self is truly one hundred percent. His mental self is challenged occasionally with loss of memory. He is extremely grateful to be where he is today on a physical, emotional and spiritual level.

Blake’s typical day begins at 4am with an awesome cup of coffee, splashed with cream while spending some quiet time with his two dogs. He works out with free weights, resistance bands, hikes with his dogs and tries to surf every day. He believes that keeping active mentally and physically is the key to happiness. He’s 55 years old and with each and every wave he surfs, he strives to ride the next one better than the last. He truly feels blessed for his amazing life.

Related Links and Resources:

Thank You Rockstars!
It might go without saying, but I’m going to say it anyway: We really value listeners like you. We’re constantly working to improve the show, so why not leave us a review? If you love the content and can’t stand the thought of missing the nuggets our Rockstar guests share every week, please subscribe; it’ll get you instant access to our latest episodes and is the best way to support your favorite real estate podcast. Have questions? Suggestions? Want to say hi? Shoot me a message via Twitter, Instagram, Facebook, or Email.
-Aaron Amuchastegui

Source: hibandigital.com

Posted in: Small Business Tagged: 2, 2022, About, active, advice, agent, agents, ask, australia, balance, before, best, book, business, california, camping, Children, closing, coffee, Deals, Discounts, discover, dogs, estate, Europe, event, experience, facebook, Financial Wize, FinancialWize, first, foreclosure, Free, gift, goals, good, Gratitude, guest, guests, Happiness, hawaii, hi, hours, How To, in, Instagram, kids, Learn, Life, lighting, Links, list, Living, market, Maui, me, mls, More, motorcycles, movies, new, offers, one day, or, Other, percent, plans, podcast, potential, questions, quiet, Real Estate, real estate market, reminder, rental, Review, seeds, shares, short, short-term rental, Spending, spirit, time, tips, traveling the world, tv, TV Shows, Twitter, under, value, waves, will, work, working

Apache is functioning normally

July 25, 2023 by Brett Tams

Insurance is not the sexiest topic when it comes to, well, anything.

The truth is insurance is there to protect us from an event that our finances are not able to handle.

While planning for bad news is not something any of us enjoys, having proper policies in place is a necessary part of protecting our families and our finances.

Instead of being afraid to think about the future we need to empower ourselves by planning for worst case scenarios. To help you get the best information available I have put together guides for several types of insurance that are offered by top rated insurance companies.

Life

The sudden loss of a loved one can be devastating to a family. What can compound that loss is losing the income that person has been providing and having no plan in place to replace that income. With proper life insurance you can make sure that you and your loved ones are financially prepared for a worst case scenario.

A good life insurance policy is a key to any financial plan so learn more about your options and the importance of life insurance.

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Ads by Money. We may be compensated if you click this ad.Ad

Auto

Every state require you to purchase auto insurance. The problem people run into is that we don’t exactly know how much insurance is enough or what type of policy to get. With each state having different rules and a jumble terms like deductibles, premiums, uninsured drivers, collision, comprehensive, etc. it is difficult to know exactly what you need in a policy.

Get a better grasp on all the details of a car insurance policy and get detailed information about the coverage need for your specific state from our guide for auto insurance.

Homeowner’s

If you buy a house, you’ll likely want (need) homeowner’s insurance. Especially if you buy a home by using a mortgage, the lender will want you to have coverage to protect the investment.

As with several other types of insurance, you’ll need to understand exactly how much you’ll need, what type of policy you might require, and the different nuances with deductibles, maximums, and more.

Medicare

Seniors and those on disability have great difficulty in getting a health insurance policy. Because of this the government set up Medicare as a means of providing coverage to these individuals. What is frustrating is that Medicare is not complete coverage and the terminology is difficult to understand.

Between parts, plans, and advantage coverage most seniors get very frustrated with navigation the Medicare landscape. To help you with getting through the tough transition I put together a guide to Medicare.

Health

With the passage of the Affordable Care Act, health insurance has gotten even more difficult to understand. The good news is that the basic principles are still the same. The bad news is that how we pay for health insurance has gotten more complicated. Whether you have an employer plan or are purchasing your policy as an individual you can get a better grasp on your options for health insurance.

Disability

There was a time when I didn’t think disability was worth the cost, but the statistics for being out of work for an extended period of time are eye-opening and will quickly push you to get this type of coverage. As with all types of insurance you need to learn the terminology before you can make the best decision for your needs. See our detailed guide to disability insurance.

Burial

Burial or final expense insurance is designed specifically to take care of the expenses of your funeral and any expenses that may pop-up as a result of your untimely death.  Because it can be purchased in various different ways it is slightly different than Life Insurance.  Get a better grasp in our guide for burial insurance.

Business

If you own a business, you know you have a lot at stake, especially if you’re the owner and/or key operator. If something were to happen where your business would be dropped into a legal battle, would you be prepared financially?

This is why business insurance is so important; mistakes can happen, but a business insurance policy can help you alleviate the worries of having to close your business down because of an at-fault hazard, or otherwise. It’s a safe investment for your business, and your future income.

Other Types

Surprisingly, all of those kinds of insurance above aren’t all! There are even more.

Some of these policies might be new to you. You might be surprised to see you’re missing some coverage.

Travel

If you’ve got the travel bug, you might consider putting some cash into travel insurance. Travel insurance can cover A LOT of unexpected costs, like medical bills while you’re traveling, lost luggage, delayed luggage, travel delay costs, and much more.

If you want to see the world, you should see a travel insurance agent first.

Compare Travel Insurance Quotes

Pet

Pets are a part of our family, why shouldn’t they be insured like one of them? Think of pet insurance as a health insurance policy for your furry friend (don’t worry, they aren’t expensive as a health insurance plan).

LTC

Around 70 percent of people over the age of 65 are going to need some long-term care. That specialized assistance can be expensive. This is where long-term care insurance policies bring value. If you or someone you love needs in-home assistance or has to go to a nursing home, you won’t be responsible for paying all those bills yourself.

Renters

Renters insurance is an affordable way to protect all of your belongings from theft or natural disasters. Because renters insurance doesn’t have to cover the physical building itself, it’s much more affordable than homeowners insurance. That’s another benefit of renting instead of owning.

Umbrella

No, this policy doesn’t give you insurance ON your umbrella. Umbrella insurance is designed to fill in the gaps and give additional coverage beyond your standard policies. These plans protect you against major lawsuits and give you additional liability.

Boat

Just imagine hitting the water on your boat. Wind running through your hair and enjoying the sun. What happens if something happens to your boat and you’re stuck on shore? Don’t get sunk paying for those repair bills yourself.

RV

There are few things better than hitting the open road. More and more people are selling their homes and packing everything into an RV. If you’re one of them (or you just like to see the country in your RV), you need to get the same protection you give your home. Your RV is your home on wheels.

Motorcycle

Just because motorcycles have two fewer wheels doesn’t mean they need any less coverage. Motorcycles give you freedom and adrenaline you won’t get with a minivan. If you’re in an accident, don’t get stuck riding around on four wheels. Motorcycle insurance can get you back on that bike.

Source: goodfinancialcents.com

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Apache is functioning normally

July 22, 2023 by Brett Tams

Two years ago when I bought my People 150cc scooter, I was teased ceaselessly by my car-loving friends. It wasn’t so long ago that gas was under two dollars a gallon, and the need for more efficient wheeled transportation wasn’t as “in your face” as it is now. Today, when my friends talk about my scooter (or my wife’s) it’s to ask where I got it, for how much, and how much we save by having them.

J.D. recently mentioned he was thinking of forsaking his dream of a Mini Cooper for a scooter instead, but he had some questions. How much money would he save? Could we quantify with some certainty the impact of a scooter on one’s budget? Here’s my attempt based on my experience.

Safety First

First, I’d like to talk about a few misconceptions. Scooters are not necessarily slow-moving vehicles. Your speed depends on your engine size. I’d think of them more generally as small motorcycles. You’re exposed to the elements (more so than a car), and you’re giving up the “safety” of a steel box, but you are getting a more maneuverable vehicle.

I’d strongly encourage anyone riding a scooter to take a motorcycle safety course, such as the one given by the Motorcycle Safety Foundation. Safety, either in a car or a scooter, depends greatly on the operator. In my opinion, driving a scooter is no different (in terms of safety) than driving a motorcycle.

In my four years operating a scooter, I have not been involved in any accident. I’ve been able to avoid unsafe motorists better than I would be able to in a car. I don’t feel any more unsafe operating my scooter, but I’ve had many years of experience, and that confidence can create a noticeably different ride. I would expect first-time riders to be much more nervous.

Pinching Pennies

But the big question here is: How much can one save if you go from a car-centric lifestyle to a scooter-centric lifestyle?

First, purchasing a scooter will cost significantly less, even for models that can keep up with highway traffic. The average new four-door sedan costs about $20,000. A scooter that can achieve a constant speed of 70mph and legally be driven on interstate highways will cost around $3,000. Costs for used vehicles of both classes can vary by large degrees, but the scooter will always be an order of magnitude cheaper. Thus, a scooter can more easily be financed directly out of pocket, avoiding an expensive car loan.

Operating a scooter — gas, insurance, maintenance — is also much cheaper than operating a car. Astonishingly enough, the difference in just one year represents a brand new Buddy 125 (a scooter I highly recommend).

Not Quite Car-Less

However, transferring to a scooter is just one lifestyle choice. We can choose to locate ourselves so that we can walk to work and shop using a rolling cooler. We can locate near bike-friendly areas and strap storage racks to our bikes. We have many choices. None of these choices allows for long-haul, heavy or large lifting, however.

My wife and I have a car, along with our scooters. While seldom used except for long trips and large item hauling needs, we do need a car for those purposes. But we are better off using our scooters, bicycles, and legs for daily commutes and grocery store visits.

J.D.’s note: After our discussion of high gas prices and alternative transportation, not only did Stephen volunteer to share his experiences above, but Bev Brinson sent me a copy of her book, The Complete Idiot’s Guide to Motor Scooters. It’s a great introduction to the subject. If, like me, you’re interested in scooters, but don’t know where to start, borrow a copy from your library.

Source: getrichslowly.org

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Apache is functioning normally

July 8, 2023 by Brett Tams

We all like to have good style, and to be noticed. But sometimes, people are so eager to be cool and unique that they end up just revealing their own insecurities. It’s one thing to be interesting and have unique opinions. It’s another thing entirely to try so hard you just look desperate. We asked Redditors for the top things they’ve observed people doing to look cool that just don’t.

1. Unnecessarily Loud Cars

Photo Credit: Shutterstock.

One user posted, “Loud *ss car/motorcycle. You’re not impressing anyone…”

Another commenter replied, “There’s a video by some YouTube guys satirizing this. They’re sitting at home when they hear a motorcycle start up, and they run to the window to cheer them on, saying how cool it is that it’s so loud and unnecessary. It’s very funny. Can’t find it, though.” 

Another user shared, “I used to have a loud exhaust on my motorcycle, not to show off or anything but so that people could hear me. A lot of the time, people don’t see motorcyclists, and that’s how accidents happen. After I got into a close call on the highway (not speeding, someone just casually switching lanes on me), I decided to put on a loud exhaust.

“I don’t ride anymore, but when I drive my car around, if I hear a loud exhaust, I double check my mirror to see where the motorcycles are, and that’s the whole point. In the US, no driving school teaches you to watch for motorcycles. That’s something you will notice when you go to Europe, people constantly check their mirrors for motorcycles because they have been taught to do so.”

2. Disliking Trends Just to Be Unique

Photo Credit: Shutterstock.

One Redditor posted, “Those who think hating anything popular just because it’s popular makes them special.”

A second user added, “I swear, this is such a child mentality. Like when you’re going through your ‘Not like the other kids’ phase and think you’re so cool bc you don’t like the popular thing, but eventually you grow out of it and realize it’s ok to like popular shit and enjoy things regardless of what other people think or like….. But, obviously, some people never grow up and grow out of it.”

One commenter replied, “And it’s ok to be an adult and like uncommon or unusual things. People also love to spit on people who like ‘alternative things.’ The goal is that you find intrinsic value and enjoyment in your choices. When people just slide into what’s popular because it’s what they’re fed, that seems insincere. But if they wear it because they see it and genuinely like it, then that’s good. and the same when flipped to ‘alternative’ styles.

But with strangers, that can be hard to read at first blush. With people you know or get to know, it’s easier. I do think it’s easier for people to swallow when other adults look more traditional than when they look unusual. But should that matter? Edit: And when I say ‘love to [spit] on,’ I mean to say they almost always believe some looks are only for attention or to convey a specific personality trait. Which is as ridiculous as believing someone only wears fancy branded clothes to be seen.”

“I used to be that person! Then I grew up and realized how obnoxious it was to just have an opinion about anything I didn’t enjoy that other people did, and it feels amaaaaazinnggg. I think people need to realize how cyclical that kind of attitude is. People who are super critical of other people are often paranoid about what people think of them, and it just goes round and round,” one user confirmed. 

3. Calling Themselves Alpha

Photo Credit: Shutterstock.

One user commented, “Calling themselves ‘alpha’. It just makes them just seem insecure imo.”

Another user added, “It’s like telling people you’re rich. If you have to tell people…you aren’t.”

One Redditor replied, “If you have to tell people you’re alpha, you’re not alpha.” 

“If those kids could read, they’d be pretty upset by that statement,” another user exclaimed. 

4. Modifying Your Car for Noise

Photo Credit: Shutterstock.

One user posted, “Modifying your car to make it obnoxiously loud.”

Another user replied, “Add to this, all the guys that peel out in parking lots because they think their car is so cool and everyone is impressed. No… we just think you are an attention seeking dbag making annoying noises and making the air smell like burnt tires.”

Another user responded, “To be fair, the primary goal of modifying the exhaust is usually to add power. Added noise is a secondary consequence. That said, I agree that some people take it way too far. ”

5. Designer Things Covered in Logos

Photo Credit: Shutterstock.

One user shared, “To me it’s designer stuff that just has some brand’s logo or name all over it. Why be a walking billboard for a company that isn’t even paying you? It’s weird. Being overly flashy is a big yuck to me.”

Another user added, “Same reasons kids today sh*t on Android users for not having an iPhone. It’s not about having a quality product, it’s about showing people that you have more money than them.”

One user replied, “iPhones and Androids are the same price? Flagship Android phones are actually more expensive, and iPhone budget options reach all the way down to $430 brand new. I know there are cheaper Androids far below that, but this statement is just stereotypical ‘Apples are bad and expensive.’ There’s nothing wrong with either phone, it’s great that people have options. The iPhone is not a status symbol, it’s a preference, and anyone who thinks otherwise has some insecurities they’re projecting onto others. Time to get over it.”

6. Education as a Status Symbol

Photo Credit: Shutterstock.

One user commented, “People who look down on education.”

Another user shared, “Also educated people who look down on those who didn’t go to college or university. You’re not a more valuable human being just because you have a degree. [Jerks] are found at every level of education, and it works both ways.”

“It doesn’t matter if every human being on this planet has a PhD, somewhere there’s still gonna be a pile of sh*t that needs shoveling,” one Redditor responded.

One commenter added, “Exactly. It is simply not viable for everyone to be a business manager, doctor or lawyer. Society NEEDS truck drivers, construction workers, plumbers and cleaners too. Edit: And since this is the case, it’s only natural and fair that we pay those people enough to live a dignified life befitting a human being.”

7. Calling Yourself a Bad Girl

Photo Credit: Shutterstock.

One Redditor posted, “Girls who call themselves certified bad b*tches.”

Another user added, “‘Queens.’ So ghetto and trashy.”

One user laughed, “Queens with no job, no skills and no responsibilities lol.”

Another user shared, “Women who try to be a ‘bro’ to fit in. I cringed at whatever her name was in ‘Love is Blind’ when she was like, ‘I’m one of the bros’…”

8. Revving at Red Lights

Photo Credit: Shutterstock.

One user commented, “Idiots who stop at red lights and constantly rev their engines like they’re about to participate in a drag race.”

Another Redditor replied, “It must feel amazing to win a race no one else is participating in.”

One user shared, “That was me when I was young, but not for the usual reason. I had just earned my license and my friend gave me his rusted out [car] as a ‘gift.’ The problem was it needed a valve adjustment and I couldn’t afford to take it to the shop, nor did I know how to adjust it myself. The problem is it would stall at idle, so anytime I’d come to the lights, I’d put the car in neutral (it was a manual) and gently rev the engine until the lights turned green.

“I felt obnoxious doing it, it probably looked even more embarrassing to everyone else. It was particularly awkward when a cop would pull up beside me at the lights, and we’d make eye contact while gently [revving] the engine. I’m surprised I never got pulled over for it.”

9. Bragging about Intimate Encounters

Photo Credit: Shutterstock.

One Redditor posted, “Bragging about how much s-x they’re supposedly having. It’s a clear sign of someone who peaked in high school.”

Another user shared, “That’s my dad perfectly described.”

“My uncle is almost 300lbs and married a woman he knew for 2 weeks and brags about their [intimate] life. It’s just gross man,” one user added. 

“Back in high school my friends would do this. I was single at the time and I would tell them how shitty it felt that everyone around me was doing it but me. Then they kept bragging about it. That’s when I realized these guys weren’t really my friends,” one commenter shared. 

Do you agree with the list above? Share us your thoughts and leave a comment!

Source: Reddit.

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Apache is functioning normally

July 6, 2023 by Brett Tams

High above the Las Vegas Strip, solar panels blanketed the roof of Mandalay Bay Convention Center — 26,000 of them, rippling across an area larger than 20 football fields.

From this vantage point, the sun-dappled Mandalay Bay and Delano hotels dominated the horizon, emerging like comically large golden scepters from the glittering black panels. Snow-tipped mountains rose to the west.

It was a cold winter morning in the Mojave Desert. But there was plenty of sunlight to supply the solar array.

“This is really an ideal location,” said Michael Gulich, vice president of sustainability at MGM Resorts International.

The same goes for the rest of Las Vegas and its sprawling suburbs.

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Sin City already has more solar panels per person than any major U.S. metropolis outside Hawaii, according to one analysis. And the city is bursting with single-family homes, warehouses and parking lots untouched by solar.

L.A. Times energy reporter Sammy Roth heads to the Las Vegas Valley, where giant solar fields are beginning to carpet the desert. But what is the environmental cost? (Video by Jessica Q. Chen, Maggie Beidelman / Los Angeles Times)

There’s enormous opportunity to lower household utility bills and cut climate pollution — without damaging wildlife habitat or disrupting treasured landscapes.

But that hasn’t stopped corporations from making plans to carpet the desert surrounding Las Vegas with dozens of giant solar fields — some of them designed to supply power to California. The Biden administration has fueled that growth, taking steps to encourage solar and wind energy development across vast stretches of public lands in Nevada and other Western states.

Those energy generators could imperil rare plants and slow-footed tortoises already threatened by rising temperatures.

They could also lessen the death and suffering from the worsening heat waves, fires, droughts and storms of the climate crisis.

Researchers have found there’s not nearly enough space on rooftops to supply all U.S. electricity — especially as more people drive electric cars. Even an analysis funded by rooftop solar advocates and installers found that the most cost-effective route to phasing out fossil fuels involves six times more power from big solar and wind farms than from smaller local solar systems.

But the exact balance has yet to be determined. And Nevada is ground zero for figuring it out.

The outcome could be determined, in part, by billionaire investor Warren Buffett.

The so-called Oracle of Omaha owns NV Energy, the monopoly utility that supplies electricity to most Nevadans. NV Energy and its investor-owned utility brethren across the country can earn huge amounts of money paving over public lands with solar and wind farms and building long-distance transmission lines to cities.

But by regulatory design, those companies don’t profit off rooftop solar. And in many cases, they’ve fought to limit rooftop solar — which can reduce the need for large-scale infrastructure and result in lower returns for investors.

Mike Troncoso remembers the exact date of Nevada’s rooftop solar reckoning.

It was Dec. 23, 2015, and he was working for SolarCity. The rooftop installer abruptly ceased operations in the Silver State after NV Energy helped persuade officials to slash a program that pays solar customers for energy they send to the power grid.

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“I was out in the field working, and we got a call: ‘Stop everything you’re doing, don’t finish the project, come to the warehouse,’” Troncoso said. “It was right before Christmas, and they said, ‘Hey, guys, unfortunately we’re getting shut down.’”

Sunrun employees prepare for the day ahead at the company’s Nevada office in Henderson.

(Brian van der Brug / Los Angeles Times)

After a public outcry, Nevada lawmakers partly reversed the reductions to rooftop solar incentives. Since then, NV Energy and the rooftop solar industry have maintained an uneasy political ceasefire. Installations now exceed pre-2015 levels.

Today, Troncoso is Nevada branch manager for Sunrun, the nation’s largest rooftop solar installer. The company has enough work in the state to support a dozen crews, each named for a different casino. On a chilly winter morning before sunrise, they prepared for the day ahead — laying out steel rails, hooking up microinverters and loading panels onto powder-blue trucks.

But even if Sunrun’s business continues to grow, it won’t eliminate the need for large solar farms in the desert.

Some habitat destruction is unavoidable — at least if we want to break our fossil fuel addiction. The key questions are: How many big solar farms are needed, and where should they be built? Can they be engineered to coexist with animals and plants?

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And if not, should Americans be willing to sacrifice a few endangered species in the name of tackling climate change?

To answer those questions, Los Angeles Times journalists spent a week in southern Nevada, touring solar construction sites, hiking up sand dunes and off-roading through the Mojave. We spoke with NV Energy executives, conservation activists battling Buffett’s company and desert rats who don’t want to see their favorite off-highway vehicle trails cut off by solar farms.

Odds are, no one will get everything they want.

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The tortoise in the coal mine

Construction workers carry photovoltaic panels for installation at the Gemini solar project in southern Nevada.

(Brian van der Brug / Los Angeles Times)

Biologist Bre Moyle easily spotted the small yellow flag affixed to a scraggly creosote bush — one of many hardy plants sprouting from the caliche soil, surrounded by rows of gleaming steel trusses that would soon hoist solar panels toward the sky.

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Moyle leaned down for a closer look, gently pulling aside branches to reveal a football-sized hole in the ground. It was the entrance to a desert tortoise burrow — one of thousands catalogued by her employer, Primergy Solar, during construction of one of the nation’s largest solar farms on public lands outside Las Vegas.

Biologist Bre Moyle points out a desert tortoise burrow at the Gemini solar construction site.

(Brian van der Brug / Los Angeles Times)

“I wouldn’t stand on this side of it,” Moyle advised us. “If you walk back there, you could collapse it, potentially.”

I’d seen plenty of solar construction sites in my decade reporting on energy. But none like this.

Instead of tearing out every cactus and other plant and leveling the land flat — the “blade and grade” method — Primergy had left much of the native vegetation in place and installed trusses of different heights to match the ground’s natural contours. The company had temporarily relocated more than 1,600 plants to an on-site nursery, with plans to put them back later.

The Oakland-based developer also went to great lengths to safeguard desert tortoises — an iconic reptile protected under the federal Endangered Species Act, and the biggest environmental roadblock to building solar in the Mojave.

Desert tortoises are sensitive to global warming, residential sprawl and other human encroachment on their habitat. The U.S. Fish and Wildlife Service has estimated tortoise populations fell by more than one-third between 2004 and 2014.

Scientists consider much of the Primergy site high-quality tortoise habitat. It also straddles a connectivity corridor that could help the reptiles seek safer haven as hotter weather and more extreme droughts make their current homes increasingly unlivable.

Before Primergy started building, the company scoured the site and removed 167 tortoises, with plans to let them return and live among the solar panels once the heavy lifting is over. Two-thirds of the project site will be repopulated with tortoises.

Workers removed more tortoises during construction. As of January, the company knew of just two tortoises killed — one that may have been hit by a car, and another that may have been entombed in its burrow by roadwork, then eaten by a kit fox.

Primergy Vice President Thomas Regenhard acknowledged the company can’t build solar here without doing any harm to the ecosystem — or spurring opposition from conservation activists. But as he watched union construction workers lift panels onto trusses, he said Primergy is “making the best of the worst-case situation” for solar opponents.

“What we’re trying to do is make it the least impactful on the environment and natural resources,” he said. “What we’re also doing is we’re sharing that knowledge, so that these projects can be built in a better way moving forward.”

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Construction site of the Gemini solar project in southern Nevada.

(Brian van der Brug / Los Angeles Times)

The company isn’t saving tortoises out of the goodness of its profit-seeking heart.

The U.S. Bureau of Land Management conditioned its approval of the solar farm, called Gemini, on a long list of environmental protection measures — and only after some bureau staffers seemingly contemplated rejecting the project entirely.

Documents obtained under the Freedom of Information Act by the conservation group Defenders of Wildlife show the bureau’s Las Vegas field office drafted several versions of a “record of decision” that would have denied the permit application for Gemini. The drafts listed several objections, including harm to desert tortoises, loss of space for off-road vehicle drivers and disturbance of the Old Spanish National Historic Trail, which runs through the project site.

A black-and-white image taken with an old-fashioned camera before construction began on the Gemini solar project, to document what the site might have looked like when the Old Spanish Trail ran through it.

(Tony Santo)

Separately, Primergy reached a legal settlement with conservationists — who challenged the project’s federal approval in court — in which the company agreed to additional steps to protect tortoises and a plant known as the three-corner milkvetch.

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The company estimates just 2.5% of the project site will be permanently disturbed — far less than the 33% allowed by Primergy’s federal permit. Regenhard is hopeful the lessons learned here will inform future solar development on public lands.

“This is something new. So we’re refining a lot of the processes,” he said. “We’re not perfect. We’re still learning.”

By the time construction wraps this fall, 1.8 million panels will cover nearly 4,000 football fields’ worth of land, just off the 15 Freeway. They’ll be able to produce 690 megawatts of power — as much as 115,000 typical home solar systems. And they’ll be paired with batteries, to store energy and help NV Energy customers keep running their air conditioners after sundown.

Unlike many solar fields, Gemini is close to the population it will serve — just a few dozen miles from the Strip. And the affected landscape is far from visually stunning, with none of the red-rock majesty found at nearby Valley of Fire State Park.

But desert tortoises don’t care if a place looks cool to humans. They care if it’s good tortoise habitat.

Biologist Bre Moyle examines a shade shelter for desert tortoises at the Gemini solar project.

(Brian van der Brug / Los Angeles Times)

Moyle, Primergy’s environmental services manager, pointed to a small black structure at the bottom of a fence along the site’s edge — a shade shelter for tortoises. Workers installed them every 800 feet, so that if any relocated reptiles try to return to the solar farm too early, they don’t die pacing along the fence in the heat.

“They have a really, really good sense of direction,” Moyle said. “They know where their homes are. They want to come back.”

Primergy will study what happens when tortoises do come back. Will they benefit from the shade of the solar panels? Or will they struggle to survive on the industrialized landscape?

And looming over those uncertainties, a more existential query: With global warming beginning to devastate human and animal life around the world, should we really be slowing or stopping solar development to save a single type of reptile?

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Moyle was ready with an answer: Tortoises are a keystone species. If they’re doing well, it’s a good sign of a healthy ecosystem in which other desert creatures — such as burrowing owls, kit foxes and American badgers — are positioned to thrive, too.

And as the COVID-19 pandemic has demonstrated, human survival is inextricably linked with a healthy natural world.

“We take one thing out, we don’t know what sort of disastrous effect it’s going to have on everything else,” Moyle said.

We do, however, know the consequences of relying on fossil fuels: entire towns burning to the ground, Lake Mead three-quarters empty, elderly Americans baking to death in their overheated homes. With worse to come.

The shifting sands of time

A few miles south, another solar project was rising in the desert. This one looked different.

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A fleet of bulldozers, scrapers, excavators and graders was nearly done flattening the land — a beige moonscape devoid of cacti and creosote. The solar panel support trusses were all the same height, forming an eerily rigid silver sea.

A construction vehicle at NV Energy’s Dry Lake Valley solar project site, north of Las Vegas.

(Brian van der Brug / Los Angeles Times)

When I asked Carl Glass — construction manager for DEPCOM Power, the contractor building this project for Buffett’s NV Energy — why workers couldn’t leave vegetation in place like at Gemini, he offered a simple answer: drainage. Allowing the land to retain its natural contours, he said, would make it difficult to move stormwater off the site during summer monsoons.

Safety was another consideration, said Dani Strain, NV Energy’s senior manager for the project. Blading and grading the land meant workers wouldn’t have to carry solar panels and equipment across ground studded with tripping hazards.

“It’s nicer for the environment not to do it,” Strain said. “But it creates other problems. You can’t have everything.”

This kind of solar project has typified development in the Mojave Desert.

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And it helps explain why the Center for Biological Diversity’s Patrick Donnelly has fought so hard to limit that development.

The morning after touring the solar construction sites, we joined Donnelly for a hike up Big Dune, a giant pile of sand covering five square miles and towering 500 feet above the desert floor, 90 miles northwest of Las Vegas. The sun was just beginning its ascent over the Mojave, bathing the sand in a smooth umber glow beneath pockets of wispy cloud.

The sun rises over Big Dune in Nevada’s Amargosa Valley.

(Brian van der Brug / Los Angeles Times)

On weekends, Donnelly said, the dune can be overrun by thousands of off-road vehicles. But on this day, it was quiet.

Energy companies have proposed more than a dozen solar farms on public lands surrounding Big Dune — some with overlapping footprints. Donnelly doesn’t oppose all of them. But he thinks federal agencies should limit solar to the least ecologically sensitive parts of Nevada, instead of letting companies pitch projects almost anywhere they choose.

“Developers are looking at this as low-hanging fruit,” he said. “The idea is, this is where California can build all of its solar.”

We trekked slowly up the dune, our bodies casting long shadows in the early morning light. When we took a breather and looked back down, a trail of footprints marked our path. Donnelly assured us a windy day would wipe them away.

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“This is why I live here, man,” he said. “It’s the most beautiful place on Earth, in my mind.”

Patrick Donnelly of the Center for Biological Diversity prepares to hike up Big Dune.

(Brian van der Brug / Los Angeles Times)

Donnelly broke his back in a rock-climbing accident, so he used a walking stick to scale the dune. He lives not far from here, at the edge of Death Valley National Park, and works as the nonprofit Center for Biological Diversity’s Great Basin director.

As we resumed our journey, the wind blowing hard, I asked Donnelly to rank the top human threats to the Mojave. He was quick to answer: The climate crisis was No. 1, followed by housing sprawl, solar development and off-road vehicles.

“There’s no good solar project in the desert. But there’s less bad,” he said. “And we’re at a point now where we have to settle for less bad, because the alternatives are more bad: more coal, more gas, climate apocalypse.”

That hasn’t stopped Donnelly and his colleagues from fighting renewable energy projects they fear would wipe out entire species — even little-known plants and animals with tiny ranges, such as Tiehm’s buckwheat and the Dixie Valley toad.

“I’m not a religious guy,” Donnelly said. “But all God’s creatures great and small.”

After a steep stretch of sand, we stopped along a ridge with sweeping views. To our west were the Funeral Mountains, across the California state line in Death Valley National Park — and far beyond them Mt. Whitney, its snow-covered facade just barely visible. To our east was Highway 95, cutting across the Amargosa Valley en route from Las Vegas to Reno.

It’s along this highway that so many developers want to build.

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“We would be in a sea of solar right now,” Donnelly said.

A solar farm in Nevada’s Nye County, about 10 miles from Big Dune.

(Brian van der Brug / Los Angeles Times)

Having heard plenty of rural residents say they don’t want to look at such a sea, I asked Donnelly if this was a bad spot for solar because it would ruin the glorious views. He told me he never makes that argument, “because honestly, views aren’t really the primary concern at this moment. The primary concern is stopping the biodiversity crisis and the climate crisis.”

“There are certain places where we shouldn’t put solar because it’s a wild and undisturbed landscape,” he said.

As far as he’s concerned, though, the Amargosa Valley isn’t one of those landscapes, what with Highway 95 running through it. The same goes for Dry Lake Valley, where NV Energy’s solar construction site is already surrounded by energy infrastructure.

What Donnelly would like to see is better planning.

He pointed to California, where state and federal officials spent eight years crafting a desert conservation plan that allows solar and wind farms across a few hundred thousand acres while setting aside millions more for protection. He thinks a similar process is crucial in Nevada, where four-fifths of the land area is owned by the federal government — more than any other state.

Patrick Donnelly hikes up Big Dune.

(Brian van der Brug / Los Angeles Times)

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If Donnelly had his way, regulators would put the kibosh on solar farms immediately adjacent to Big Dune. He’s worried they could alter the movement of sand across the desert floor, affecting several rare beetles that call the dune home.

But if the feds want to allow solar projects along the highway to the south, near the Area 51 Alien Center?

“Might not be the end the world,” Donnelly said.

He shot me a grin.

“You know, one thing I like to do …”

Without warning, he took off racing down the dune, carried by momentum and love for the desert. He laughed as he reached a natural stopping point, calling for us to join him. His voice sounded free and full of possibility.

Some solar panels on the horizon wouldn’t have changed that.

Patrick Donnelly, carrying a walking stick, skips down Big Dune in Nevada’s Amargosa Valley.

(Brian van der Brug / Los Angeles Times)

Shout it from the rooftops

Laura Cunningham and Kevin Emmerich were a match made in Mojave Desert heaven.

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Cunningham was a wildlife biologist, Emmerich a park ranger when they met nearly 30 years ago at Death Valley. She studied tortoises for government agencies and later a private contractor. He worked with bighorn sheep and gave interpretive talks. They got married, bought property along the Amargosa River and started their own conservation group, Basin and Range Watch.

And they’ve been fighting solar development ever since.

Laura Cunningham, left, and Kevin Emmerich, who started their own conservation group, Basin and Range Watch, visit Sarcobatus Flat near Beatty, Nev.

(Brian van der Brug / Los Angeles Times)

That’s how we ended up in the back of their SUV, pulling open a rickety cattle gate off Highway 95 and driving past wild burros on a dirt road through Nevada’s Bullfrog Hills, 100 miles northwest of Las Vegas.

They had told us Sarcobatus Flat was stunning, but I was still surprised by how stunning. I got my first look as we crested a ridge. The gently sloping valley spilled down toward Death Valley National Park, whose snowy mountain peaks towered over a landscape dotted with thousands of Joshua trees.

“Everything we’re looking at is proposed for solar development,” Cunningham said.

Snowy mountains in Death Valley National Park tower over the Joshua trees of Sarcobatus Flat.

(Brian van der Brug / Los Angeles Times)

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Most environmentalists agree we need at least some large solar farms. Cunningham and Emmerich are different. They’re at the vanguard of a harder-core desert protection movement that sees all large-scale solar farms on public lands as bad news.

Why had so many companies converged on Sarcobatus Flat?

The main answer is transmission. NV Energy is seeking federal approval to build the 358-mile Greenlink West electric line, which would carry thousands of megawatts of renewable power between Reno and Las Vegas along the Highway 95 corridor.

The dirt road curved around a small hill, and suddenly we found ourselves on the valley floor, surrounded by Joshua trees. Some looked healthy; others had bark that had been chewed by rodents seeking water, a sign of drought stress. Scientists estimate the Joshua tree’s western subspecies could lose 90% of its range as the world gets hotter and droughts get more intense.

But asked whether climate change or solar posed a bigger threat to Sarcobatus Flat, Cunningham didn’t hesitate.

“Oh, solar development hands down,” she said.

A desert tortoise crawls along the sands of the Desert Tortoise Research Natural Area in California City in 2022.

(Irfan Khan / Los Angeles Times)

Nearly 20 years ago, she said, she helped relocate desert tortoises to make way for a test track in California. One of them tried to return home, walking 20 miles before hitting a fence. It paced back and forth and eventually died of heat exhaustion.

Solar farms, she said, pose a similar threat to tortoises. And at Sarcobatus Flat, they would cover a high-elevation area that could otherwise serve as a climate refuge for Joshua trees, giving them a relatively cool place to reproduce as the planet heats up.

“It makes no sense to me that we’re going to bulldoze them down and throw them into trash piles. It’s just crazy,” she said.

In Cunningham and Emmerich’s view, every sun-baked parking lot in L.A. and Vegas and Phoenix should have a solar canopy, every warehouse and single-family home a solar roof. It’s a common argument among desert defenders: Why sacrifice sensitive ecosystems when there’s an easy alternative for fighting climate change? Especially when rooftop solar can reduce strain on an overtaxed electric grid and — when paired with batteries — help people keep their lights on during blackouts?

The answer isn’t especially satisfying to conservationists.

A Sunrun employee installs solar panels on a roof in North Las Vegas.

(Brian van der Brug / Los Angeles Times)

For all the virtues of rooftop solar, it’s an expensive way to generate clean power — and keeping energy costs low is crucial to ensure that lower-income families can afford electric cars, another key climate solution. A recent report from investment bank Lazard pegged the cost of rooftop solar at 11.7 cents per kilowatt-hour on the low end, compared with 2.4 cents for utility solar.

Even when factoring in pricey long-distance electric lines, utility-scale solar is typically cheaper, several experts told me.

“It’s three to six times more expensive to put solar on your roof than to put it in a large-scale project,” said Jesse Jenkins, an energy systems researcher at Princeton University. “There may be some added value to having solar in the Los Angeles Basin instead of the middle of the Mojave Desert. But is it 300% to 600% more value? Probably not. It’s probably not even close.”

There’s a practical challenge, too.

The National Renewable Energy Laboratory has estimated U.S. rooftops could generate 1,432 terawatt-hours of electricity per year — just 13% of the power America will need to replace most of its coal, oil and gas, according to research led by Jenkins.

Add in parking lots and other areas within cities, and urban solar systems might conceivably supply one-quarter or even one-third of U.S. power, several experts told The Times — in an unlikely scenario where they’re installed in every suitable spot.

Energy researcher Chris Clack’s consulting firm has found that dramatic growth in rooftop and other small-scale solar installations could reduce the costs of slashing climate pollution by half a trillion dollars. But even Clack said rooftops alone won’t cut it.

“Realistically, 80% is going to end up being utility grid no matter what,” he said.

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All those industrial renewable energy projects will have to go somewhere.

Sarcobatus Flat may not be the answer. Federal officials classified all three solar proposals there as “low priority,” citing their proximity to Death Valley and potential harm to tortoise habitat. One developer withdrew its application last year.

Before leaving the area, Cunningham pointed to a wooden marker, one of at least half a dozen stretching out in a line. I walked over to take a closer look and discovered it was a mining claim for lithium — a main ingredient in electric-car batteries.

If solar development didn’t upend this valley, lithium extraction might.

On the beaten track

The view from an off-road vehicle outside Pahrump, Nev.

(Brian van der Brug / Los Angeles Times)

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The four-wheeler jerked violently as Erica Muxlow pressed her foot to the gas, sending us flying down a rough dirt road with no end in sight but the distant mountains. Five-point safety straps were the only things stopping us from flying out of our seats, the vehicle leaping through the air as we reached speeds of 40 mph, then 50 mph, the wind whipping our faces.

It was like riding Disneyland’s Matterhorn Bobsleds — just without the Yeti.

Ahead of us, Muxlow’s neighbor Jimmy Lewis led the way on an electric blue motorcycle, kicking up a stream of sand. He wanted us to see thousands of acres of public lands outside his adopted hometown of Pahrump, in Nevada’s Nye County, that could soon be blocked by solar projects — cutting off access to off-highway vehicle enthusiasts such as himself.

“You could build an apartment complex or a shopping mall here, and it would be the same thing to me,” he said.

Off-road enthusiast Jimmy Lewis rides in the Nevada desert near his home in Pahrump.

(Brian van der Brug / Los Angeles Times)

To progressive-minded Angelenos or San Franciscans, preserving large chunks of public land for gas-guzzling, environmentally destructive dirt bikes might sound like a terrible reason not to build solar farms that would lessen the climate crisis.

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But here’s the reality: Rural Westerners such as Lewis will play a key role in determining how much clean energy gets built.

Not long before our Nevada trip, Nye County placed a six-month pause on new renewable energy projects, citing local concerns about loss of off-road vehicle trails. Similar fears have stymied development across the U.S., with rural residents attacking solar and wind farms as industrial intrusions on their way of life — and local governments throwing up roadblocks.

For Lewis, the conflict is deeply personal.

He moved here from Southern California more than a decade ago, trading life by the beach for a five-acre plot where he runs an off-roading school and test-drives motorcycles for manufacturers. His warehouse was packed with dozens of dirt bikes.

“This is my life. Motorcycles, motorcycles, motorcycles,” he said, laughing.

Lewis has worked to stir up opposition to three local solar farm proposals. So far, his efforts have been in vain.

Jimmy Lewis pauses at the fence line of a massive solar plant under construction in the desert near his home in Pahrump, Nev.

(Brian van der Brug / Los Angeles Times)

One project is already under construction. Peering through a fence, we saw row after row of trusses, waiting for their photovoltaic panels. It’s called Yellow Pine, and it’s being built by Florida-based NextEra Energy to supply power to California.

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Lewis learned about Yellow Pine when he was riding one of his favorite trails and was surprised to find it cut off. He compared the experience to riding the best roller-coaster at a theme park, only to have it grind to a halt three-quarters of the way through.

“I don’t want my playground taken away from me,” he said.

“Me neither!” a voice called out from behind us.

We turned and were greeted by Shannon Salter, an activist who had previously spent nine months camping near the Yellow Pine site to protest the habitat destruction. She and Lewis had never met, but they quickly realized they had common cause.

“It’s the opposite of green!” Salter said.

“On my roof, not my backyard,” Lewis agreed.

The Yellow Pine solar construction site, seen through a fence surrounding the project.

(Brian van der Brug / Los Angeles Times)

Never mind that conservationists have long decried the ecological damage from desert off-roading. Salter and Lewis both cared about these lands. Neither wanted to see the solar industry lay claim to them. They talked about staying in touch.

It’s easy to imagine similar alliances forming across the West, the clean energy transition bringing together environmentalists and rural residents in a battle to defend their lifestyles, their landscapes and animals that can’t fight for themselves.

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It’s also easy to imagine major cities that badly need lots of solar and wind power — Los Angeles, Las Vegas, Phoenix — brushing off those complaints as insignificant compared with the climate emergency, or as fueled by right-wing misinformation.

But many of concerns raised by critics are legitimate. And their voices are only getting louder.

As night fell over the Mojave, Lewis shared his idea that any city buying electricity from a desert solar farm should be required to install a certain amount of rooftop solar back home first — on government buildings, at least. It only seemed fair.

“Some people see the desert as just a wasteland,” Lewis said. “I think it’s beautiful.”

The view from Black Mountain

Solar panels on the roof of Mandalay Bay Convention Center, with Rio hotel and casino in the background.

(Brian van der Brug / Los Angeles Times)

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So how do we build enough renewable energy to replace fossil fuels without destroying too many ecosystems, or stoking too much political opposition from rural towns, or moving too slowly to save the planet?

Few people could do more to ease those tensions than Buffett.

Our conversation kept returning to the legendary investor as we hiked Black Mountain, just outside Vegas, on our last morning in the Silver State. We were joined by Jaina Moan, director of external affairs for the Nature Conservancy’s Nevada chapter. She had promised a view of massive solar fields from the peak — but only after a 3.5-mile trek with 2,000 feet of elevation gain.

“It’ll be a little StairMaster at the end,” she warned us.

A view of the Las Vegas Valley from Black Mountain.

(Brian van der Brug / Los Angeles Times)

The homes and hotels and casinos of the Las Vegas Valley retreated behind us as we climbed, looking ever smaller and more insignificant against the vast open desert. It was an illusion that will prove increasingly difficult to maintain as Sin City and its suburbs continue their march into the Mojave. Nevada politicians from both parties are pushing for legislation that would let federal officials auction off additional public lands for residential and commercial development.

Vegas and other Western cities could limit the need for more suburbs — and sprawling solar farms — by growing smarter, Moan said. Urban areas could embrace density, to help people drive fewer miles and reduce the demand for new power supplies to fuel electric vehicles. They could invest in electric buses and trains — and use less water, which would save a lot of energy.

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“As our spaces become more crowded, we’re going to have to come up with more creative ideas,” Moan said.

Warren Buffett arrives at a Berkshire Hathaway shareholders meeting in Omaha in 2019.

(Johannes Eisele / AFP / Getty Images)

That’s where Buffett could make things easier.

The billionaire’s Berkshire Hathaway company owns electric utilities that serve millions of people, from California to Nevada to Illinois. Those utilities, Moan said, could buck the industry trend of urging policymakers to reduce financial incentives for rooftop solar and instead encourage the technology — along with other small-scale clean energy solutions, such as local microgrids.

That would limit the need for big solar farms — at least somewhat.

Berkshire and other energy giants could also build solar on lands already altered by humans, such as abandoned mines, toxic Superfund sites, reservoirs, landfills, agricultural areas, highway corridors and canals that carry water to farms and cities.

The costs are typically higher than building on undisturbed public lands. And in many cases there are technical challenges yet to be resolved. But those kinds of “creative solutions” could at least lessen the loss of biodiversity, Moan said.

“There’s money to be made there, and there’s good to be done,” she said.

Jaina Moan hikes up Black Mountain outside Las Vegas.

(Brian van der Brug / Los Angeles Times)

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It’s hard to know what Buffett thinks. A Berkshire spokesperson declined my request to interview him.

Tony Sanchez, NV Energy’s executive vice president for business development and external relations, was more forthcoming.

“The problem for us with rooftop solar,” he said, is that it’s “not controlled at all by us.” As a result, NV Energy can’t decide when and how rooftop solar power is used — and can’t rely on that power to help balance supply and demand on the grid.

Over time, Sanchez predicted, a lot more rooftop solar will get built. But he couldn’t say how much.

Rooftop solar faces a similarly uncertain future in California, where state officials voted last year to slash incentive payments, calling them an unfair subsidy. Industry leaders have warned of a dramatic decline in installations.

As we neared the top of Black Mountain, the solar farms on the other side came into view. They stretched across the Eldorado Valley far below — black rectangles that could help save life on Earth while also destroying bits and pieces of it.

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A solar farm seen from Black Mountain.

(Brian van der Brug / Los Angeles Times)

Moan believes the key to balancing clean energy and conservation is “go slow to go fast.” Government agencies, she said, should work with conservation activists, small-town residents and Native American tribes to study and map out the best places for clean energy, then reward companies that agree to build in those areas with faster approvals. Solar and wind development would slow down in the short term but speed up in the long run, with quicker environmental reviews and less risk of lawsuits.

It’s a tantalizing concept — but I confessed to Moan that I worried it would backfire.

What if the sparring factions couldn’t agree on the best spots to build solar and wind farms, and instead wasted years arguing? Or what if they did manage to hammer out some compromises, only for a handful of unhappy people or groups to take them to court, gumming up the works? Couldn’t “go slow to go fast” end up becoming “go slow to go slow”?

In other words, should we really bet our collective future on human beings working together, rather than fighting?

Moan was sympathetic to my fears. She also didn’t see another way forward.

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“We really need to think holistically about saving everything,” she said.

The sad truth is, not everything can be saved. Not if we want to keep the world livable for people and animals alike.

Some beloved landscapes will be left unrecognizable. Some families will be stuck paying high energy bills to monopoly utilities, even as some utility investors make less money. Some tortoises will probably die, pacing along fences in the heat.

The alternative is worse.

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Source: latimes.com

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Apache is functioning normally

June 22, 2023 by Brett Tams

Assuming you are 62 years old (or young), life insurance is probably on the forefront of your mind.  And it should be because it’s a great way to financially help take care of those you love.

But you may have questions like these and others that I will answer:

  • Can I qualify for life insurance as a senior if I have medical conditions?
  • Should I buy term or permanent life insurance at my age?
  • What is the average life insurance cost at age 62?
  • What can I do to get the best life insurance rates?
  • What is the easiest no-hassle way to get the lowest premiums?

Shopping for life insurance while you are still healthy is a great idea so as to lock in the lowest rates possible. This is also a great time for people to buy life insurance for their children. There are plenty of options for coverage at your age so it is strongly advised that you shop around before making a decision.

With thorough research, a 62-year-old can come away with a great life insurance policy that can provide you and your family with peace of mind.

Your Options for Insurance In Your Sixties

There are multiple options for life insurance for those that are at or nearing age sixty-two. The two most popular types of insurance are term life insurance and permanent life insurance.

Term life insurance is popular because of the availability to be purchased for different periods of time. These periods are typically purchased for either 5 years, 10 years, 15 years, 20 years, 25 years or 30 years. There is also an Annual Renewable Term plan that is basically a 1 year renewable policy.  Term plans are known to be relatively affordable even for someone needing life insurance at age 62.

Permanent life insurance on the other hand lasts for an entire lifetime, but of course as long as you keep up with paying your premiums. There are some plans you can pay up early, or either stop paying the premiums and take a lower death benefit. The other benefit of permanent life insurance is that it acts as an asset as it will accumulate a value in cash.  This means you will have an investment arm of your insurance policy that can be tapped into at retirement or for a spouse to use once you pass away.

Recently there has come on the market what is called Permanent Term, and it is a permanent policy that is not designed to accumulate a cash value.  It is the least expensive way to get a term policy without having to worry about the policy expiring early. One of the things that is great to do ahead of time before you get too deep into the process is to figure out how much insurance (death benefit) do you actually need?  We make it easy with our calculator that will help you make that determination. 

What is the average life insurance cost at age 62?

Most people think that life insurance for people over 60 is very expensive but, term life insurance is relatively affordable and even more so if you start shopping for life insurance in your 50’s, but it’s not too late to start. A male can obtain a $200,000 policy for $1237. Whole life insurance on the other hand can be obtained for $1675 for a $50,000 policy. Of course, life insurance is dependent on multiple factors that rely on your physical health and well-being.

These rates are based on your average, non-smoking, sixty two year old. Rates will vary depending on your level of health and physical well-being.
Look at these sample quotes for a $250,000 policy:

Sex 10 Year 20 Year 30 Year

Male $72.21/month $103.03/month $47.06/month

Female $50.90/month $66.12/month $97.34

For your information, the life expectancy of someone in the mid-sixties has increase over 55% in the last 100 years. In 1901 the life expectancy for a 65 year old man was 11.5 years and a female was 12.2 years for an average of 11.9 years. In 2001 (the mortality tables currently being used by many life insurance companies) the life expectancy for a 65 year old man is 16.8 years and a female is 20.1 years for an average of 18.5 years.

What can I do to get the best life insurance rates?

Once you have gotten the best life insurance rates at age 62 based on your current health, start working on any of the following habits, lifestyles, or things within your control to help you become a better risk for an insurance company. You can always apply later for a reduced rate, or either buy a new cheaper plan altogether from a different company.

  1. Stop smoking.
  2. Start exercising or continuing to exercise.
  3. Keep medical conditions such as high blood pressure under control, using medications if you have to.
  4. Lose weight if you are overweight based on standard height and weight charts.
  5. Drink more water – just a great healthy habit for our bodies.
  6. No longer participate in hazardous occupations or high-risk hobbies or activities.
  7. Don’t ride motorcycles.
  8. Eat a heart-healthy diet.

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What is the easiest way to get the lowest premiums?

Before you make any decisions, try to obtain a couple of quotes from different insurance companies. Each carrier will have different rates and different rating systems. You could receive drastically different quotes from different companies. It’s your decision to spend your valuable time chasing individual quotes from all different types of companies, but that time would be better spent filling out our short quote form and let us give you the lowest quotes from highly-rated life insurance carriers across the country.

Some insurance companies specialize in offering insurance at affordable rates to those will more prevalent diseases such as diabetes, while others offer more affordable rates to older applicants.

How are Premiums Calculated?

Premiums are determined by a list of factors.  So when applying be aware that your status on each one will impact your monthly payment.

The first and biggest factor is your age (unfortunately, there is nothing we can do about that), which because 62 is older than most applicants, you will pay more than you did when you bought your first life insurance policy, if you ever bought one. But, don’t despair, a life insurance policy is still affordable and might be cheaper than you think. Age isn’t the only factor that they look at, there are options at getting the lowest rates possible.

Aside from looking at your age, for a traditional life insurance policy, the insurance company is going to need to know what kind of health you’re in. After you fill out the initial paperwork, a paramedic will be sent to perform a medical exam. This exam will consist of basic things like taking your weight, blood pressure, taking a blood sample, asking health questions, and taking a urine sample. If you’re looking to save money, it’s time to focus on your health.

Being overweight, having high blood pressure or cholesterol can cause your monthly premiums to double. If you want to lower your rates, spend some time exercising and following a healthy diet to shed a few pounds. Not only will it make your doctor happy, it will also make your wallet thinner. One of the best ways to save money on your insurance rates is to get off the cigarettes. Being considered a smoker will cause your rates to double or triple, regardless of the rest of your health. When applying for a life insurance policy, smoking sits at the top as a “rate-hiker”.

The Importance of Life Insurance

A life insurance policy is one of the wisest financial decisions to make for your loved ones, even at this stage of your life. One of the biggest reasons that people at the age of 62 look for a life insurance policy is to protect the heritage they want to leave. If you want to leave your children with the investments and savings that you’ve been planning, you should make sure that it won’t get smothered by taxes, fees, and debt that you leave behind.

Every year we hear stories of children and loved ones that lost a parent or spouse unexpectedly. These people were left with either a mountain of bills an inheritance that was quickly drained because of taxes or paying for left behind expenses. One of the best ways to make sure this doesn’t happen to your family is to purchase the perfect life insurance plan.

Source: goodfinancialcents.com

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Apache is functioning normally

May 24, 2023 by Brett Tams

Welcome back to the show, everybody! I’m excited to have my buddy, Rafael Cortez, back on the show! Rafael is an amazing guy and a scale master! He is a coach who helps people scale with his systems and processes. Today, we will talk about mindset, self-doubt, fear of change, fear of success, and self-sabotage that many business owners face today. Let’s get started!

Mike: [00:00:00] Hey everybody. Welcome back to the show. I’m really excited, uh, to have my buddy Raphael Cortez on. He’s been on the show a while back. It’s been over a year. We were just talking about it, it seemed like two months, but it’s been over a year and we’ve been spending a bunch of time together lately, over the past.

Mike: This is like three weeks in a row that we’re hanging out. Uh, of course the last couple weeks have been in person. I was out in Phoenix, and you were here at Investor Fuel in Dallas. Raphael’s just an amazing guy. And honestly, for as much as I talk about scale and trying to help people scale, like he’s, he’s a scale master at systems and processes.

Mike: And in fact, today we’re gonna be talking about mindset stuff because he’s a coach that helps people scale as well. And we were talking about what we’re gonna talk about and. And just had some great discussions on just the mental side of this business. And I think, um, if you’ve been in the business for a while, and even if you’ve been scaled up, it’s what a weird time to just live in America.

Mike: What a weird time to be running a business. And so all of our mindsets are a little bit screwed up of, you know, what’s, what’s up and what’s down, right? So that’s what we’re gonna talk about. Today, welcome to Real Estate Investing Secrets. [00:01:00] We’re all looking for freedom and the opportunity to live better, more fulfilling lives.

Mike: But most of us, were trained our entire lives to work for someone else to chase their dreams. How can we use real estate investing as a vehicle to achieve financial freedom? My life is dedicated to answering your real estate investing questions and helping you build an investing business that allows you to change your life.

Mike: And the world around you, and to enable you to turn your dreams of financial freedom into a reality. My name is Mike Hambright from Flip nerd.com, and your questions get answered here on the Real Estate Investing Secrets show.

Mike: Raphael. What’s up buddy?

Rafael: What’s going on man? Thanks for having me back. It’s an honor, dude.

Mike: Yeah. Always, always good to hang out with you. We’ve been hanging out a ton. Uh, as you know, uh, you guys can see Raphael’s office there. He’s got the sweetest office I’ve ever, I’ve ever been, been in. And I was out there a couple weeks ago and I was like jealous of, uh, this office. So you’ll pivot on the camera.

Mike: There’s the office. Yeah. He is got like, It’s like a museum. He’s got [00:02:00] motorcycles set up in there and punching bags and just like, it’s a total like man cave, right? Yeah.

Rafael: You know, the stuff that I can’t get away with at home, I guess they come in and do it at the office.

Mike: That’s right. Yeah. You gotta, yeah.

Mike: You got a place there. So, uh, hey, tell us real fast, tell us about a little bit about your background for those that, that don’t know you yet.

Rafael: Um, thank you again. My name’s Rafael Cortes. I’m based out of Phoenix, um, um, Arizona. So I, this is my main market. I do a lot of wholesale. I to fix and flip. I’ve been a real estate since 2009.

Rafael: Um, I own a brokerage here in town as well, so we do traditional stuff. So everything when it comes to, to real estate investments. I mean, we tried it all, you know, from the residential, the commercial, the wholesale investments, creative financing and all of that stuff in between, right. Um, by career. I, uh, I’m a, I’m an organizational psychologist, so my thing is, is, uh, you know, it’s people and systems, right.

Rafael: Uh, which plays right into the, the topic that we’re gonna be covering today. Yeah. Um, but yeah, I mean, basically what I do is I put people, uh, and, and systems together and make ’em work, you know, in, in a symbiotic way [00:03:00] for. For the sake of business and operations. I mean, that’s mainly, you know, one of my biggest, uh, spaces

Mike: where, where Yeah.

Mike: Yeah. And we were talking Right, right, right. Before we, uh, kind of hit record here, we were talking about just this idea of self sabotage and, and I know that I’ve done it. There’s areas in my life that I do something and I, and I look back on it and I’m like, why did I do that? Like, why did, why did I make that as hard?

Mike: As I did, and it didn’t need to be. And I think there’s a lot of us that do some element of this, and it’s like, it’s deep in your soul as to why that’s happening. Right. It doesn’t make sense. It’s not like you’re consciously thinking about it, but it’s like you’re aiming at something and you just let stuff get in the way that shouldn’t.

Mike: Right. And so, uh, have you, you, you’ve coached a lot of people too. Ha, have you seen some of that where people just Oh, sabotage their own results? Right. It could be that you don’t think they’re worthy. Or it could be, they don’t even know why they’re doing it. Right. So what are your thoughts on that?

Rafael: Every, every single day, man, I see it every single day.

Rafael: And not just from students, right? I ha you know, [00:04:00] thankfully, thank God I have a lot of students throughout the country. But, but I mean, we have, we have default modes of behavior psychologically, right? There’s stuff that we just go back to whenever we get stressed. If you’re, for example, you’re doing wholesaling and you’re cold calling and then you get rejected, you know, 10 times and you feel demoralized, you’re gonna build stress, right?

Rafael: And, and, um, we go back to our default actions and a lot of that stuff is, is, you know, tends to be negative. Why? Because we beat ourselves up as we’re growing up for the stuff that we couldn’t accomplish. Right? And we didn’t get first place on that race. I mean, we feel bad as we were little if we sucked at baseball, right?

Rafael: It was just wasn’t in our lane. And I’m using personal examples here, so, So we, we feel, we start feeling like, like we’re not, you know, we’re not enough, right? Um, but what happens is that we start to get programmed to respond that way to new challenges. Um, and, and as we, you know, go through life, even if we’re really good at something, uh, we’re, we’re gonna forget, you know, we’re gonna lose the awareness of it and go back to default thinking, default modes.[00:05:00]

Rafael: And, uh, and a lot of times that’s what happens, right? You see people just, you know, staying in flow and then start to become fearful, uh, of losing it all. Or losing the, uh, you know, the, um, The, the groove or, or they get to a point where they start to hit this glass ceiling and, um, start doing things. Uh, in terms of self-sabotage, that may not necessarily always look like self-sabotage, right?

Rafael: It’s not, it doesn’t always look bad. So it’s not, you know, always depressing or anything. But, um, you know that you’re gonna take a vacation in the middle of, uh, a time that you shouldn’t be taking a vacation, right? So because of, of where you were at in, in a process, in, in a deal transaction or whatever.

Rafael: But we’ll start doing that kind of stuff. Um, Almost in pursuit of that instant gratification when we know it’s not the best course of action at that time. And it’s happened to me a bunch of times in the past. Yeah. And, and what happens is that we circle back, like we come back to that, you know, point of, of beginning, um, where we feel comfortable.

Rafael: Like at the end of the day, we want to go back to that space that we know if we feel, you know, quote unquote comfortable. We’re very familiar with building [00:06:00] from the ground up whenever we get to a point of success that scares us. That’s gonna demand a higher, a better version of us. Um, you know, we start, I don’t know, add a zero to your deals, right?

Rafael: Like, that’s gonna make you nervous. Yeah. Um, it, it’s, it’s, it’s incredible how far we will go to, uh, just reset that and come back to that comfort zone.

Mike: And you know what, what I think exacerbates all that is that a lot of people that are watching us or seeing on social media or whatever, they’re, I don’t mean this in a negative way, they’re just operating.

Mike: If you’re a high performer, like most people are further back than you are. And so you almost like feel like, so like you said, nobody’s gonna say anything. Because most people already think you’re way ahead of them, so they’re not even, so you won’t feel bad if you are not successful because many aren’t at that level, right?

Mike: Yeah. So it kind of holds you back or you pull yourself back to, uh, to a lower level than what you could achieve. You know? And it would be different if you were, for example, you, you were just at investor fuel, [00:07:00] right? So if you’re in a network of people that are high achievers, like you might hit this, uh, ceiling, which is just in your head probably right?

Mike: But if you were around a different group of people that were operating at a way higher level, you’d be able to blow past that. No problem. There’s just this, like you said, a glass ceiling, and it’s really a fake glass ceiling. It’s not even real. You just hit this thing and you just get stuck because that is a.

Mike: You know, the network you have right now, or the people you’ve surrounded yourself with, or the, the mindset of this is, I, I’m ahead of everybody else. Why do I need to keep pushing further? But if you got around another circle that would help you push to another level, you would be at the starting line still maybe,

Rafael: right?

Rafael: Yeah, no, absolutely. And you know, what happens to, I mean, we’d be,

Mike: we’d be, I didn’t say that very succinctly, but I think, uh, yeah,

Rafael: no, no, I get, I get the, uh, I get the, the point. Um, and what happens too is that, I mean, we be, as, as you know, time goes on, we become creatures of habit. And, uh, and we want to, we wanna be familiar with, with our surroundings.

Rafael: We want to be familiar with, you know, with the stuff that, that, you know, that surround us on a regular [00:08:00] basis, right? And we’ll fight for that, but we’ll also fight to be, right. So if you’re wiring, if you’re psyche is, is telling you that you have a, a, i, I don’t know, call it a financial thermostat, right? I’m gonna be able to hit this number and that number is just a big number for me.

Rafael: And it feels scary. It feels like you’re out there. That may be 50 K for some people, a hundred K for some people, a million for other people. Right, right. But we have this financial thermostat. I mean, to, to paint an example on, on how we kind of reset psychologically when we get around that area. Right.

Rafael: We’ll, we’ll start to roll out self-sabotage because subconsciously, Um, success can also create fear, right? We, again, it’s gonna demand a higher version of yourself. It’s gonna demand more commitment, it’s gonna demand you putting yourself in a, in a, in a space where maybe you don’t control everything.

Rafael: Maybe you don’t know all the ins and outs and you’re not as comfortable, right? Um, I remember it took me, my first company, took me eight years to build that thing up, and, and I mean, I got to a point where I was like, you know, fishing, water, right? Swimming in that particular business, transportation, [00:09:00] and I was doing, Really, really well.

Rafael: And as soon as I jumped into real estate, like I started being all kinds of, of, uh, of, uh, you know, risk averse and, and, you know, doubt started creeping in. And my, my, just, my character and my behavior just absolutely changed from that confident, you know, self and entrepreneur, you know, person that I was in that industry to this other one that was like, what the hell am I doing?

Rafael: What is going on? Right. Right. Um, but that’s because, you know, that landscape is just, we don’t know it yet. And as if, if we make the intentional, if we become intentional about moving forward, and, and I think, I think, Mike, what happens to you is a lot of times we don’t have a clear vision. We don’t have a, a clear path of where we, uh, we want to go.

Rafael: Uh, And that creates a lot of noise, right? It creates a lot of noise. And anything that comes along our, you know, uh, our path is gonna be a good option because we don’t have anything set in, in, um, in, in, you know, as a destination, right? And it doesn’t mean that it’s gonna be the exact, you know, same path that you imagined, you’re gonna walk that path.

Rafael: Maybe you’re gonna have to pivot [00:10:00] that a couple of times and whatnot. But you’re, you’re gonna have a, a, I call it a lighthouse. Right. You have, you’re gonna have this beacon that you, that you want to get to. Right. And we have that and we have a clear, uh, perspective on what that looks like. Everything that we do from here to there Right.

Rafael: Uh, becomes, starts to, to get in alignment. Yeah. And, and I think that’s one of the biggest things because we’ll get, we’ll get, um, one of the biggest things that I see in, in self-sabotage for example, is, is shiny object central. Like, oh yeah, I’m doing this strategy, but I saw that on social media, so I’m gonna move out and, and then everything that’s working right now, I’m gonna set it aside.

Rafael: I’m gonna go that because that looks, you know, sexy. Yeah. Um, and, and what happens? I mean, you’re moving your entire thing because you don’t have a stronghold on that final, you know, uh, or ultimate vision that you wanna, you know, you wanna accomplish. Right.

Mike: Yeah. And I think the other thing that happens is there’s this saying, I’ve actually, I don’t know where I heard this from, uh, but I’ve, I’ve used it a lot lately that you can hustle your way to seven figures, but not to eight.

Mike: Yeah. And I think what happens is once [00:11:00] you, like, this is gonna sound like ego driven, right? But I think like I could show anybody how to. This, and this is a big deal for people that are in a W2 job. I could show anybody how to create a business that’s a million dollars a year. Like getting to 10 is way harder, right?

Mike: Oh yeah. So what I think happens is people get up to that level where they have a, a nice, like seven figure business and they get a little bit bored and they, and they like the, um, the adrenaline. From being able to hustle your way to create something else, because that appears to be easier to do than to go from, let’s just say, get a two or $3 million year business to 10, right?

Mike: Be because they don’t have the skill, like they got the skillset to go start over and create another two or $3 million business, but they don’t have the skillset and they’re, they’re not willing to put in the effort or whatever it is the, the investment or whatever to take that three to 10, which honestly would be easier.

Mike: Um, But in their mind, they just think, well, because it’s a different, it’s a different approach. It’s like [00:12:00] management of resources versus hustle. They can go hustle and do something else, and they know how to do that, but they don’t have the skillset yet to be a manager and a good steward of taking on investment, whatever it takes you to get from three to 10, but that would probably ultimately give you the freedom that you want, right?

Mike: Because if you’re going from three to 10 million, like if you’re hustling your way to low seven figure businesses, And not to say that that doesn’t provide a good lifestyle. You don’t have the resources to have a robust team. Right? And this is industry specific. But if you, if you, you know, if you have a two or 3 million real estate business, you’re probably still doing a lot of stuff.

Mike: Like you don’t have a huge bench of, uh, a team. But if you went from three to 10, You would have a coo, you would have a bunch of resources to pay for things. Right.

Rafael: I think it’s really tough to go from three to 10 without having that stuff in place. Yeah. You

Mike: can’t. Yeah, that’s what I’m saying. So you just fall back on, well, I could go start like doing Yeah, something else.

Mike: Flipping cars, right? And you could hustle your way to, uh, a couple million dollar business again, [00:13:00] but it’s not gonna give you that freedom that you probably

Rafael: want. And I, I think also what happens too is that that fear of failure becomes a lot more, you know, a lot more real. Right? Because I mean, and, and I, I love bootstrap scenarios.

Rafael: People who just, you know, they say, okay, I want, I, I wanna improve my life. I want to get better. I mean, that’s, that’s really my passion is coaching bootstraps and, you know, bootstrap entrepreneurs, uh, because I’m one of those, right. But it’s, it’s, uh, I feel like. At the beginning, you’re hungry. You are, you’re okay.

Rafael: Well, I got, you know, this is, this is there, there’s nowhere else to go but up, right? Right. I’m gonna climb this, climb this mountain. We’re doing everything it takes, uh, to get, you know, to this point, the fear, uh, of. Of, uh, failure is not really, you know, it’s not that predominant. Why? Because we’re building stuff and then you get to a point where you have, you know, stuff you achieved, uh, you know, a few things and yeah.

Rafael: Now maybe you have a network, you have a decent business, you have employees and all that stuff, and then the fear becomes a lot more real. Yeah. Um, and I think that’s where, where, where people just kind of pull back. [00:14:00] A lot of that doubt starts to creep in. Yeah. Back, back into your, your psyche. Uh, there’s a lot of doubt when we begin.

Rafael: Right. And a lot of stuff that holds us back from taking action. Um, but at the end of the day, like, I think it’s, it’s all a cycle. If we don’t, if we’re not aware of how we react to our own, uh, psychological triggers, right? That’s one. And then, um, we don’t know how to navigate through them. Like we’re gonna get stuck every single time.

Rafael: Um, that fear and that uncertainty, um, that maybe sense of un unworthiness comes in. Like, who am I to be making 10 mil, 10 mil a year? Right. Right. To be, you know, part of this group of elite people. You know, that that’s, that’s a long process. Yeah, it just

Mike: made me think of this analogy and, uh, as a guy, and it’s, you know, we, of course we have women that listen to, but everybody, I’ll appreciate this, we all have those friends that will never get married because they just, they date somebody and it gets to a certain level and they just wanna start over.

Mike: Like, and the truth is, is things get a little tough. [00:15:00] Things get a little more serious, you know, now you gotta step up and they somehow sabotage it and they just like start over with dating somebody else again. And, you know, they’re like, 40, 50 years old and probably have never been married and probably never will, because it’s just easy for them to go hustle their way to.

Mike: Uh, a new relationship cuz there’s no real responsibilities, you know, and they just sabotage themselves. Right. It’s like that in business too, I think. Yeah. People And I just thought of this analogy and I hopefully, uh, uh, one, the one really good friend of mine, uh, that uh, fits exactly what I just said, isn’t listening to this cuz he’ll be like, you’re talking about me.

Mike: But it’s like, things get hard things, it, it’s hard to stay married, right? It’s hard and it’s hard to commit to. A higher level of business because there are more stakes. There’s more, more to lose. There’s more people that you’re responsible for. But I think if when people are starting off, that’s where everybody says they want to get to.

Mike: But then when you start to get to that point, like you said, sometimes you start questioning, am I worthy of this? Am I capable of this? And the truth [00:16:00] is, nobody came out of the womb. Being a c e o of a 10 million company or having that skillset, you have to learn those things. You have to get coaching, you have to join masterminds, you have to read a lot of books.

Mike: Like you have to lose a lot and fail and fail your way forward and learn from those things.

Rafael: Yeah, a hundred percent. Man, we have to get out of our own heads. Right? It’s, it’s, um, That quiet place can be a scary place sometimes. Yeah. I’m saying don’t ever be there. We have to be there to contemplate, you know, come, you know, come up with original ideas and, and, and kind of find ourselves who we truly are.

Rafael: Right. Um, but also we spend too much time in, in, in that quiet place and we’re not, uh, You know, tapping into different perspectives, reaching it out, you know, to people who are going through, uh, the journey that we’re looking to go in, into. Um, we’re missing out on big opportunities. I mean, we’re, I mean, I, I learned from you and, and, and, uh, and, uh, you know, everybody else around us on a, on a regular basis.

Rafael: It’s, it’s just, it opens up. Perspective. And once we have that seed right, it’s, it’s really hard to [00:17:00] lie to ourselves because, you know, somebody else has done it, you know, it’s possible. You have the, uh, the, uh, the, the proof of concept, although it’s not, you know, it’s not mine yet. I see it happening on a regular basis.

Rafael: Now it becomes a matter. Yeah. Cool. Am I gonna commit to this thing? Um, and am I committed or am I interested in really changing the, the, the, the lifestyle that I have? Am I committed or am I interested in becoming an entrepreneur? Uh, if I’m interested, dude, anything, uh, a new Netflix series is gonna throw me off.

Rafael: The, the, you know, the wagon, right? Yeah. Uh, anything is gonna, it is gonna, you know, create, um, distance between me and my goal. If I’m committed, though, uh, there’s gonna, it is gonna take a lot of force. To break me from that vision, right? Yeah. To throw me off the path. Um, again, sometimes we have to come in and pivot if the market is weird and we have to navigate stuff.

Rafael: Okay, cool. Go back to the drawing board, analyze the basics. See what you know, see what’s up. See if you need to pivot into something else. But don’t lose sight of that one thing that lights you up in the morning. Every morning. [00:18:00] I guarantee you have this every morning. Because I mean, achievers and, and, and, you know, the most successful people that I know, um, wake up with this fire in the gut, and it’s almost an excitement.

Rafael: We don’t wake up in the morning like, Ugh, I gotta go to work again. Ugh. Now we wake up and it’s like, shit, what amazing stuff’s gonna happen? Right? What, you know, what connections am I, am I gonna make, what opportunities are gonna come up? How am I gonna, you know, help somebody improve their life? How’s somebody else gonna improve my life?

Rafael: Right? So I think a lot of that, you know, has to be, has to be adopted. And it took a while for me to just kind of sit with that kind of stuff, right? But those are internal conversations that we have. If we don’t get out of the um, um, Of that, you know, quiet space and, and tap into, again, different groups, different perspectives, even if you have a, a best friend or just a friend or an acquaintance or something.

Rafael: I mean, make it a habit, uh, of, you know, sitting down for lunch and then catching up. Okay, where are you at? You know, how are you feeling? We have a men’s group, dude. Uh, like it’s, it’s, it’s, it used to be, you know, weird [00:19:00] to have a men’s group, right? Because guys get together and then they, they talk about, you know, how they’re feeling, what their mindset is.

Rafael: Uh, all these guys are crushing it, right? And we get together once a month. And then we just do a kinda like a touch, you know, we’re touching base, you know, how are you doing? It’s a group of about 12 of us. And I mean, it’s a big, big support thing, right? That, you know, plays right into, you know, the power of masterminds.

Rafael: It’s the power of just getting out of our own heads and, and sometimes a simple conversation is gonna, is gonna reset your, your ambition. It’s gonna reset

Mike: your Yeah, that’s great. Yeah. We talk about that in investor fuel. It’s kind of a play on words like, come to recharge your batteries, right? It’s like, yeah, they kinda can get reinvigorated and, and to see what’s possible too.

Mike: If you’re in the right circle and if you’re the biggest guy in the circle. Or, or woman, like, that’s not, that’s not ideal like you always want to be. You’d be, you’d be better off being the smallest person in that circle versus the biggest ride. I’ll give you a perfect story for this. This is, uh, really an eye-opener for me yesterday.

Mike: I, I love what I do and I, I love what I get to [00:20:00] do and I love all the freedoms that I have, but. Long story short, I went to, uh, I met my wife in grad school. We went to a, one of the, you know, top 20 or so n b a programs in the country. Great program, you know, and I think there’s a bunch of people that are kind of stuck in middle management.

Mike: And I, in the past I’ve like, you know, I have some friends, I’m like, man, I’m so much better off than where they are. I kind of stuck at, you know, middle management for some job, whatever. I, I, and, and I’ve said that a few times or I’ve thought that, and then yesterday there’s a guy that I was pretty good friends with in.

Mike: Our program, which I’m gonna date myself here, we actually have our 20 year reunion coming up, uh, uh, in September. And there’s a Facebook group for our class. And there’s a guy in there that I was pretty good friends with, I haven’t talked to in honestly, 20 years since we graduated. And I just found out for the past two years.

Mike: He’s, he’s the c e o of a 10.5 billion, uh, oil company. Wow. And I’m like, You know, and he is a couple years younger than me. I’m like, damn. Like, you know, just thinking what’s possible. Like this guy that I used to, he was in my small [00:21:00] group, so we studied together like every day for a couple years, for the most part is now a C E O of a 10 billion company.

Mike: Right? Yeah. And any of us that are listening to this can do that too. And for him, you know, and I haven’t talked to him again in 20 years, but he’s got issues that he’s dealing with, I’m sure. But it’s the, some of the same stuff. If you let the fear of success, the fear of change, Thinking you’re not worthy.

Mike: All that stuff get in the way. Like he wouldn’t be there either. Right? So any of us can achieve bigger things. And sometimes it, my point of saying all this is, it’s just a matter of believing you can do it and being around people that are doing it and just keep pushing it to the next

Rafael: level. Right? A hundred percent.

Rafael: Man. It’s the, uh, like one thing that I, that I, this is how I gauge whether or not I’m in the right room if I feel inadequate. Hmm. Yeah. But I have a feeling of inadequacy. And I’m, it’s almost, I mean, I don’t wanna say intimidation. But it’s like, oh, okay, cool. If I have to think about how can I bring value to this group, if I walk into a group and okay, I know automatically, you know what I’m gonna do, and I, [00:22:00] you know, I have a, a confidence of a thousand walking into the room, more than likely it’s not the right room.

Rafael: Right. Uh, for me. Right. It, it’s like I want to feel inadequate. Yeah. I want to feel like, okay, cool. There’s, there’re like, I have to stretch myself to really put myself in the line here. Uh, because these people are crushing it. These people are, are, you know, I’m learning from them. So I have to bring my, you know, my, my higher and best version, uh, uh, you know, forward, right?

Rafael: So, yeah. So it’s, it’s just kind of, uh, you know, a way of, of looking at things. Um, so I, everybody listening out there, I suggest you start looking at, at events, uh, real estate investor associations, at meetups, at groups. I mean, if you don’t have one in your, in your circle, in your area, I mean, put one together.

Rafael: You know, start scouting, you know, get five, you know, people that you feel are like, you know, top level players, they’re committed. Get ’em into a room. I’m telling you, magic will happen. Like that’s the first thing to get out of that funky mindset that we, you sometimes get bogged down with.

Mike: Yep. I know both of us now, coincidentally, the last two weeks, I came out, uh, and spoke at [00:23:00] you.

Mike: You had a group gathering some amazing people there. I think you had one that night, you had like 60 or 70 people in your office there. Yeah, something like that. And then you came to my Investor Fuel event, which is, you know, is a pretty large event, native event. I love that. I think both of us really believe in the power of, uh, community so much that we’re community creators, right?

Mike: And so, That’s good. That’s a good tip. So with the rest of our time here, maybe you could talk a little bit about some action items, people and, and everybody’s guilty of this. I mean, I get in my own head and here I am thinking that, you know, not that I have a lot of ego thinking of, look at all this stuff that I’ve created, but then I get it.

Mike: I just told you, a friend of mine that I haven’t talked to in a long time is running a 10 billion company. I’m like, damn, maybe I need to make bigger.

Rafael: Right. He’s and he’s looking at another dude that’s running a hundred million.

Mike: Exactly, exactly. Yeah. There’s no doubt about it. Right. And so, But talk about for folks that are listening to this, that know that they do some self sabotage or know they get in the way of their own success, which probably everybody listening to this does at some level.

Mike: Let’s talk about some action items, some things that they can go [00:24:00] apply to, uh,

Rafael: improve. Um, I, I would, I would call, you know, call everybody out to focus on two things. One is gonna be clarity and, and the other one is gonna be deciding whether you are committed to something or you’re interested in something.

Rafael: Okay. Um, so get clear about whatever that vision looks like. I mean, you, one of the things that I do on a regular, I mean, I, I dunno, you probably saw me carrying this around at the, at the, at the Investor film Mastermind. Uh, but I carry, I, I always carry a notebook. I’m always taking notes. Yeah. I take time to journal, journal.

Rafael: For me, it’s, it’s a mind dump. So I have this mind dump exercise that I do on a daily basis. You know, what happened yesterday? I have a gratitude, you know, section in there and it’s just me taking 20, 30 minutes in the morning when I, when I woke up and I’m fresh. Um, to, you know, to give gratitude. It’s really hard to be pessimistic when you’re being grateful about stuff, right?

Rafael: Yeah. So I intentionally line up my day, uh, in the morning that way, right? So I take some, some time, you know, for me just to be in, in my [00:25:00] space and whatnot and kind of quiet my mind, um, going to gratitude, and then I start journaling, okay, what my, what my ideal day would look like. You know, stuff that is lined out, but, uh, lined up.

Rafael: But I never forget about the big picture. Okay, what do I, you know, what do I want to, what, what am I shooting for in three years, right? Um, and then I see myself in that space, and I sit within, you know, at the beginning it can be a little distracting because you’re gonna start thinking about a, you know, a billion other things other than that one vision that you’re trying to kind of shape in your head.

Rafael: But after a while, it starts to become, you know, to become more and more clear. Um, so get clear about where you want to be. I mean, what does that look like? The, you know, what does your office, your work environment, what does it look like, the people around you, who do you wanna be acquainted, you know, with, um, you know, what kind of events do you want to be attending?

Rafael: What kind of spotlight do you want, if any, right? What kind of results you want in your business? So get clear about all that kind of stuff. Then have a, a realistic conversation about where you’re at right now. Like this is a you and you conversation, [00:26:00] um, and get, uh, you know, decide whether you’re interested in creating that, that, uh, Better version of yourself cuz it’s gonna demand a whole other individual.

Rafael: Right. Uh, I won 30 years of my life thinking I was crushing it and then I hit 30 and um, I was like, oh, okay, cool. I mean, I, I, I can do, I can do more. I can actually make an impact on people, but it’s gonna demand a lot more of me. It’s gonna demand a different version. Um, and the. The catalyst for all that to happen was me getting committed to it as opposed to being interested.

Rafael: Uh, and, uh, when we’re interested, it, it’s, it’s easy to just, you know, uh, flake and waffle, right? With, with decision and actions. Um, but if you’re committed and you have a clear outcome on the vision that you want to get to, trust me, you’re gonna figure things out. Uh, you’re gonna figure out, because you’re gonna start brainstorming and you’re gonna start getting, you know, getting obsessive almost about, you know, that particular vision.

Rafael: Right? Yeah. Um, And you’re gonna, you’re, you’re gonna start thinking about who can you know, can I bring into my world? Or [00:27:00] who can I reach out to that maybe can help me get there? And now you start to create, you know, alliances and, and, and connections. And you start it, it’s incredible how the whole thing just kind of starts to unravel and manifest, right?

Rafael: We call it manifestation, but in reality, I think it’s, it’s, it’s, uh, It’s us being intentional about where we wanna get to and then recognizing the resources along the way. Like that’s, that’s a lot of what happens. I mean, in psychology it’s called the reticular activating system, right? We just pay more attention to, to the stuff that we’re interested in.

Rafael: Um, the crazy thing is that we don’t often clarify what we’re interested in. So begin with that.

Mike: Yep. And when I think when you start to vocalize it too in front of other people, your peers or people that you. Respect, then it forces you to start taking different actions. Like, like, man, I, I committed to this.

Mike: And so if you’ve ever done anything like you’ve said, like, Hey, I’m just publicly announcing that I’m gonna lose like 30 pounds in the next six months. It’s like, it’s kind of out there now. Yeah. And it’s some level of accountability, right? Like you’ve, you’ve kind of laid down the gauntlet and people are [00:28:00] gonna ask you about, Hey man, how’s, how’s your, how’s your weight loss going?

Mike: And, uh, you don’t, the last thing you wanna say is like, I haven’t done a damn thing. You know?

Rafael: Exactly. Yeah, exactly. Exactly.

Mike: So, awesome, man. So Raphael, you, you, you, a huge giver in the industry here. If folks want to reach out to you, I know you do a lot of coaching, mainly around helping people scale up their systems and processes and things like that.

Mike: Obviously a lot of mindset stuff too. Like if they wanna reach out to you, you’ve got a podcast, you’ve got all kinds of things going on. Kick ass office, we’ve already talked about that. Uh, aside from dropping your address, they come check out your kick as kick ass office. Where, where would they reach out to you and learn, uh,

Rafael: more.

Rafael: Um, you can find me everywhere on social media. I’m pretty active on Instagram at Raphael Cortes, c e o, uh, that’s on there. I do have a, a, um, I coach, uh, real estate wholesale and I scale real estate wholesale businesses, right? So I, I help, um, students, uh, through a couple of different programs. You can find more about that in re ei wholesaling.com.[00:29:00]

Rafael: You can also download a free course that I have on there, uh, real, uh, the wholesale 1 0 1 course. Uh, it gives you a good breakdown and overview of what the entire process looks like and how you can get to your first deal and that sort of thing. So it’s really good content. Uh, it’s a solid, um, uh, training, um, uh, program that I put together there, and that’s completely free so they can find it at r e i wholesaling.com.

Mike: Awesome. We’ll lot a link down in the show notes here. So thanks, uh, thanks for hanging out with me three weeks in a row now, buddy. Yeah,

Rafael: I know. I know I’m putting my mic fixed.

Mike: We gotta figure out what we’re gonna do, uh, next week, I guess,

Rafael: bro. Name it.

Mike: Yeah. Awesome. Thank you so much, guys. I think, uh, hopefully this, this was timely for you.

Mike: I think there’s a lot of stuff over the past couple years that’s made us kind of question why we do what we do, what’s possible. Like the economy’s fizzling a little bit. There’s some people that are thriving. You know, what makes somebody thrive versus just kind of get by or step back because they say the market’s bad.

Mike: I’m just, it’s, it’s between your ears, right? It’s that mindset that you have of believing in yourself. Off, believing what’s possible and being intentional about what your goals are and just going after [00:30:00] ’em. So hopefully this was a little shot in the arm for you today. Uh, Minnie, thanks to Raphael for sharing some great, uh, insights.

Mike: Thanks buddy. Thank you everybody. Appreciate you bunch. Thanks for joining us again. We’ll see you on the next show. Thanks for listening to today’s show. There are three ways I can help you start or grow your real estate investing business if you’re a new investor In just getting started, the Flip Nerd Investor Coaching Program is the most effective program in America.

Mike: I’ve been coaching and mentoring new real estate investors for 10 years. And my students have literally purchased thousands and thousands of properties. Many of them started with little to no experience at all. Our program is a Paint by Numbers program where we tell you exactly what to do week by week to make sure that you don’t get distracted on your way to results.

Mike: We show you how to build a real business, not just create another job for yourself. New memberships are limited. You can learn more and apply. Or schedule a call with me and my team at [00:31:00] Flip nerd.com/coaching. If you’re an experienced investor doing a minimum of 10 deals a year, up to 500 deals a year or more, or have a multimillion dollar real estate portfolio already, you should check out our powerful Investor Fuel Real Estate Investor Mastermind.

Mike: Over a hundred of the nation’s leading real estate investors are members, and it’s not uncommon for our members. To two to five x their business just from getting around other members At Investor Fuel. At Investor Fuel, each of us are business advisors to one another’s businesses, but we don’t stop at business.

Mike: We focus heavily on becoming better people and living fuller lives. If you’re looking. For fuel for your business or fuel for your life, please check out investor fuel.com. Applications and interviews are required as most investors are not a fit for our community. Please learn [email protected] if you’re not ready for coaching or [00:32:00] masterminds, but eager.

Mike: To start learning more about investing, please join our private Facebook group by visiting footner.com/facebook. New members get access to free training from us right [email protected] And it’s a community. To safely ask your questions, a great place to get started, simply go to flip nerd.com/facebook to request your access today.

Source: flipnerd.com

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Apache is functioning normally

May 4, 2023 by Brett Tams

When mapping out both your short- and long-term financial goals, life insurance should often be a key consideration. That is because the proceeds from life insurance can help to ensure that those your loved ones will be protected financially in case of the unexpected.
But, just like any other important planning concept, there is not just a one-size-fits-all solution when it comes to choosing a life insurance policy. Rather, the plan should include the proper type and amount of coverage to fit your specific and unique needs.
Before you commit to purchase a life insurance policy, you should also ensure that the insurance carrier that you’re buying the policy through is secure and stable financially and that it also has a good, positive reputation for paying out its claims promptly. One insurance company that can help you in determining these factors is Progressive.

The History of Progressive Insurance Company


Progressive has been in the business of offering insurance coverage for approximately 80 years. The company was initially formed back in 1937, when its founders, Joseph Lewis and Jack Green, began the Progressive Mutual Insurance Company, to provide vehicle owners with protection and security.
Ever since its very beginning, Progressive has taken a unique approach to offering its insurance coverage. For example, the company was the first insurer to allow its policy holders to pay for their auto premiums in monthly installments rather than annually.
Over the years, the company has grown and expanded exponentially, and it has also added more coverage products and services to best fit the needs of its policy holders. The company also moved out of its mutual status and became a publicly traded entity in 1951. And, by 1994, Progressive had surpassed $2 billion in written premiums.
Progressive makes it relatively easy to do business with them by offering online claims reporting, as well as the ability for its policy holders to log in and update their policy information, make premium payments, and more.
Today, Progressive Insurance Company is focused on its core values, along with diversity and social responsibility. The company also has a wide array of honors and recognition to its credit, such as being listed on Advertising Age magazine’s annual list of the world’s most influential and creative thinkers, being recognized by Training Magazine on its Training Top 125 list, and being ranked as the #1 car insurance website by Keynote Competitive Research. Progressive is headquartered in the Cleveland, Ohio suburb of Mayfield Village.

Progressive Life Insurance Review

Today, Progressive has written more than $18 billion in auto insurance premiums. The company continues to come up with innovative ways to give its customers attractive policies and quality service for meeting their needs.
The company runs well-recognized television commercials, featuring the character Flo, who is the Progressive Messenger, touting the many benefits of its coverage, and its ease of using the price quote system to help with finding the right coverage and price.

Insurer Ratings and Better Business Bureau (BBB) Grade

Based on its financial backing and track record, Progressive is considered to be a stable insurance company. When it comes to life insurance, though, this insurer does not provide the policies directly.
Although Progressive is not an accredited company via the Better Business Bureau (BBB), the company has been given an overall grade of A- by the BBB. This is on a grade scale of A+ through F. Efinancial has been an accredited company of the Better Business Bureau since June 1, 2000. This company has been given a grade of A+ by the BBB.
Over the past three years, Progressive has closed out 1,697 customer complaints via the Better Business Bureau, of which 153 have been closed out in the past 12 months. Of the nearly 1,700 complaints, 1,180 had to do with problems with products and/or services, 424 were related to billing and/or collection issues, 57 were with regard to advertising and/or sales issues, 22 were referred to guarantee / warranty issues, and the remaining 14 had to do with the company’s delivery issues.
During the past three years, Efinancial has closed out just five total customer complaints. Two of these have been closed out within the past 12 months. Of the five total complaints, three were regarding advertising and sales issues, and the other two had to do with problems with the company’s products and services.

Life Insurance Products Offered By Progressive

In providing life insurance coverage to its customers, Progressive partners with the company Efinancial. So in the life insurance arena, Progressive does not underwrite the coverage for its customers, but rather just promotes the policies and acts as the conduit for marketing and getting the information to the customer.
There are a variety of different policies to choose from – including both term and permanent plans. With term life insurance, there is death benefit coverage provided, but no cash value or savings build up. This can help to keep the premium more affordable.
As the name suggests, term life insurance is offered for a set term or period, such as 10, 15, 20, or even 30 years. During this time, the coverage will typically remain level, and the premium that is charged will also not go up. Often, insureds are allowed to convert their term life insurance coverage over into a permanent life insurance policy without having to take a medical exam or even provide any additional evidence of insurability.
There are also many different types of permanent life insurance options offered through Progressive / Efinancial. These include whole life and universal life insurance plans. Permanent life insurance provides death benefit protection, as well as a cash value component.
The funds that are in the cash value can grow and compound on a tax deferred basis. This means there is no tax due on the growth of these assets unless or until they are withdrawn. The money from a permanent life insurance policy’s cash value can typically be used for any need or want for the policy holder, such as taking a vacation, paying off debts, supplementing retirement income, or even paying for a child’s or a grandchild’s future college education costs.
The life insurance policy quotes that are provided by Progressive Insurance also include final expense coverage. Final expense life insurance is typically geared towards those who are between the ages of 50 and 85, and the death benefit is usually in the range of $2,000 to $25,000. These plans are often purchased with the intent of having the proceeds pay for the insured’s funeral and other final expenses – which today can range upwards of $10,000.
In many cases, there is no medical exam required to qualify for a final expense life insurance policy – and, once you have been qualified for a plan, the premium cannot be raised, nor can the coverage be canceled (provided that the premium is paid). Final expense life insurance coverage is also often referred to simply as funeral insurance or burial insurance.
There are many different types of life insurance plans that may be acquired through Progressive – so finding the one that best fits in with your needs and with your budget is possible. However, that being said, there can be many advantages and drawbacks to consider when moving forward with life insurance through Progressive Insurance Company. First, although Progressive is not the actual underwriter of the policy, the company does provide customers with web support via the Progressive website.
Also, clients and potential clients can obtain life insurance quotes round the clock by going online to the Progressive insurance website – and, these quotes are provided from some different companies, so that site visitors can immediately compare benefits and costs on the spot.
While buying life insurance through Progressive may be convenient in some ways, it can also make things more difficult, as the company is not considered to be a specialist in the life insurance niche.
Also, should the time come to file a claim on a life insurance policy, the beneficiary will need to contact the actual insurance company – not Progressive – to file a claim and collect the benefits. (The online claims processing services that are offered via the Progressive website are only for auto insurance claims, not for life insurance).
Therefore, it will still be important to check out the actual insurance company that is chosen to determine whether or not it offers additional services that may be important to you, such as grief counseling, assistance with special needs trusts, and overall financial planning.

Other Products and Services Available

While you can get information and quotes on life insurance through Progressive, this insurer is not a life insurance company per se. Rather, the main product that is offered through Progressive is auto insurance.
In the auto insurance space, Progressive has an outstanding reputation – and the company will help you to not only obtain rates for its auto coverage but also quotes from other, competing for insurers so that you can compare and contrast which policy may be the best one for you.
Progressive offers much more than just insurance for your car. The company also offers policies for the following:

  • Motorcycles
  • Boats
  • Personal water crafts
  • Business vehicles
  • Snowmobiles
  • Segway HTs

Likewise, the company can also assist in finding home owner insurance coverage. Through its Homequote Explorer, Progressive offers quotes on homes, as well as for other structures and related needs, such as:

In the commercial insurance arena, Progressive offers quotes on coverage for commercial vehicles, trucks, vans, tow trucks, and dump trucks. And, to protect one’s business, the company also provides quotes for general liability, workers comp, contractors coverage, and professional liability insurance.

How to Get the Best Premium Rates Through Progressive Insurance Company

While you can obtain a variety of life insurance quotes through Progressive, it can often be best to work with an independent life insurance agent when seeking the best policy and premium rate for your needs. By working with someone who focuses on life insurance coverage, you can have your questions answered so that you know exactly what it is you are getting – and why the option was chosen may be the best alternative for you.
If you are ready to determine what type and amount of life insurance policy will be the best for you, we can help. We are an independent life insurance brokerage, working with many of the best life insurance carriers in the market place. We can assist you with getting all the important details that you need for making a well-informed purchase – all conveniently from your computer. You won’t even have to meet in person with a life insurance agent. If you are ready to move forward with the process, then all you need to do is just simply click here and fill out our form.
We understand that the purchase of life insurance can seem a bit challenging. There are so many different variables, policies, and insurance companies to choose from – and you want to make sure that you are heading in the right direction. But the good news is that this process can be done so much easier by working with an ally on your side who can point you in the right direction. So, contact us today – we’re here to help.

Source: goodfinancialcents.com

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Apache is functioning normally

May 3, 2023 by Brett Tams

Looking for something a little bit spacey? Something that’s so far off the beaten path, it’s out-of-this-world cool? A dome home could be for you, as it conveys “rugged individualism” and “retro chic” all at the same time.

Architect, writer, inventor, and futurist Buckminster Fuller is credited with popularizing the geodesic dome home in the United States in the mid-1940s.

Since then, they’ve remained a source of fascination. The curved contraptions do have their advantages: The structure is self-supporting, and it is often less expensive to construct.

So for all you dreamers out there, here are five fabulous dome homes at prices ranging from $449,900 to $925,000, in all corners of the country. Take a look:

Price: $825,000
Luna Dome: This trilevel home is one of the larger ones we’ve seen, with four bedrooms and three baths in 4,560 square feet of living space. Its wide-open floor plan makes it seem even more spacious.

This particular specimen, called the Luna Dome, sits on a hilly, 5-acre lot, with spectacular mountain views from its numerous decks. It has a lower, walk-out level with a separate entrance; it could be an independent unit, featuring a living area, den, kitchenette, bedroom, and bath.

“This unique home has hosted people from all over the world and has proved to be a great investment opportunity,” states the listing.

It’s located about an hour’s drive from Denver and major ski resorts.

Idaho Springs, CO

(Realtor.com)

———

Price: $499,900
Ready for liftoff: We’re willing to bet you’ve never seen anything like this fully shingled, flying saucer-style dome home. It’s built of custom-cut components delivered in special containers, including windows from Denmark.

The traditional front door welcomes you into the futuristic-looking lair. But the use of knotty pine accents and oak flooring brings this four-bedroom, five-bath design back down to Earth. The soaring cathedral ceilings certainly add a sense of awe.

The 5-acre lot includes a metal building with a covered porch, an office, and plenty of storage, which can sometimes be an issue with dome homes—there aren’t a lot of corners where you can place your stuff.

The property is zoned for horses and is covered with native plants, which offer a tax benefit.

Somonauk, IL

(Realtor.com)

———

Price: $449,900
White House of the future: This special property doesn’t just have a wraparound porch—it also has a wraparound balcony and a wraparound driveway! That’s a lot of wrapping.

Built in 2013, this four-bedroom, 3.5-bath dwelling is equipped with solar panels, which provide energy for most of the home. There are even solar panels on the well that supplies water to the house and 4.5-acre property.

The lower level of this 2,900-square-foot abode appears to be a massive garage. It’s large enough for your cars, a couple of motorcycles, and a washer/dryer combo, or it could fit a skating rink.

The location is a relatively quick drive from Fayetteville, Huntsville, and Lynchburg.

Taft, TN

(Realtor.com)

———

Price: $925,000
Double-domed home: Each dome home is unique, of course, but this one caught our eye with its red, barnlike exterior and colorful, Space Age meets prairie style interior.

The larger dome has an open floor plan and a main-level primary suite. Two bedrooms, a bath, and a beautiful cupola can be found on the second level. The smaller dome has a garage, workshop, and two additional bedroom suites with kitchenettes.

The 29-acre property has off-the-grid features like geothermal heating and solar panels. There’s also a pond, pastures, and woods. The location is about an hour from Roanoke.

Natural Bridge, VA

(Realtor.com)

———

Price: $470,000
Geodesic classic: Based on the original works of Buckminster Fuller, this geodesic classic was built in 1995. The triangular skylights with wood frames accent the fact that you’re in someplace unique.

Set on 36 acres, the four-bedroom, two-bath, 2,782-square-foot home has an open floor plan. The kitchen is sleek, modern, and colorful. The ceramic tile floor is heated to keep you cozy and warm in the winter.

In the summer you can swim or fish in the nearby Neversink River. You can also enjoy the trails on your own property and those that wind through the adjacent nature conservatory.

The location is relatively close to the Pennsylvania state line and about 1.5 hours from New York City.

Godeffroy, NY

(Realtor.com)

Source: realtor.com

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