None would be right or wrong, I think it just comes down to whichever best fits your lifestyle.

So for the same policy set up with the same insurance company, you will get the same cost whichever agent you choose.

Google Fi is built as a cell phone service, it is only supposed to be used as a hotspot in a pinch.

Hi @John D PollardThere are two companies I use.American IRA will set up a self-directed 401K with checkbook control.Quest and American IRA will both set up and handle administered 401ks.If you are strictly lending I would use American IRA with checkbook control.Our buyers pay 12% and 3.75 points to their lenders or 20% of the net profits whichever is greater.If your going to flip homes then the Aministered is the better option.

Cell phones.

Which ever direction you decide to go will be the right answer!

I don’t think you will go too badly wrong whichever route you take and I’d encourage you to think about how your strategy works for you as it grows. 

She is an older that does not know how to use a cell phone, computer, or really tech and doesn't have a car.

with email marketing for example, a good open rate is 20%. with text, the average open rate is 90% or higher. everyone reads every text they get. that extra 10% is due to some phone carriers having a “spam text” folder. i personally have never seen this, but i do see many of my texts not being delivered due to the phone carriers’ spam folders. anywho, people rarely answer the phone, and almost always listen to voicemails. so i feel texts & voicemail drops would probably have about the same efficacy. texts might beat VM drops because they could be perceived to be more authentic (depending on how they’re written), meaning more responses. you’d also have to consider your demographic. will you know that the #s on the list are cell phones vs landlines?

Then refi or 1031 whichever is smarter.