Category Archives: Uncategorized

Asset protection

Did you know?

Many decades ago when I got involved in real estate in Texas, my real estate attorney advised me to practice asset protection. I did. As I discovered then, if one works in a highly litigious industry, such as real estate, protecting one’s assets is simply a part of good business practice.

Many states provide for asset protection by forming a Limited Liability Corporation (LLC). California is not one of those states, but there are other ways to get the job done.Asset Protection by Robert J. Mintz

When I started my California real estate home inspection company in 2001, I discovered the law office of Robert J. Mintz, an attorney based a few miles north of me and specializing in asset protection. In fact, he has a great book titled Asset Protection for Physicians and High-Risk Business Owners. Hard copy is is available free on his web site, or you can read it online or get a Kindle version.

Get it here. Scroll all the way down and look at the lower right side.

The cool thing is that when you retire from your high-risk profession, you don’t have to unprotect the assets. Each state is different, so get Mintz’s book and use that as a starting point for thinking about your assets and how to protect them should something happen in your life that resulted in a lawsuit against you. That something could be as simple as someone tripping and falling on your property while at a holiday party and suing you for massive medical bills.

Nothing in this post should be construed as legal advice. Use it as a starting point and then contact a qualified asset protection attorney in your state.

Take that, rats!

Picture of the Moment

One of my favorite bushes/trees is Iochroma cyaneum. It’s flowers look like this:

Iochroma cyanea

With regular watering, it pretty much blooms all year. Sadly, though, when it is blooming, the big gigantic really really huge East San Diego County boondocks rats eat the flowers.

I have seen the rats jump from the fence and other trees into the Iochroma cyaneum to eat the flowers.

Early this morning I noticed that the leaves were looking a little sad. Sad? Ha! There are no leaves. It has been completely stripped by five of these alien creatures.

Big fat caterpillar

I give up. Sometime this week the remnants of this tree shall be removed and a tall cactus or succulent shall be planted in its place. Take that, rats!

And now you know….

Did you know?

A friend of mine, Kelly Griffin, is one of the world’s foremost hybridizers of aloes, which means he creates new plants without the approval of Mother & Father Nature. When one creates a new plant, one gets to name it. Some of Kelly’s hybrids named by him include:

Aloe ‘Bright Star’

Aloe ‘Christmas Carol’

Aloe ‘Coral Edge’

Aloe ‘Draculas Blood’

Aloe ‘Raspberry Ruffles’

Aloe ‘AJR’

Aloe ‘Papa Woody’

Mother & Father Nature sometimes create hybrids on their own, so simply calling it a hybrid in the plant community doesn’t work because people want to know if it’s a natural hybrid or a human-created hybrid.

There are two ways to write the name of human-created hybrids, one using cv. to mean cultivar, and the other to put the name of the cultivar in single quotes.

Sometimes hybridizers name plants after people (‘Papa Woody’). Other times they name them because of what the plant looks like or what it reminds them of.

One of the more interesting cultivars in the plant world is this one:

Lophocereus schottii cv, Big Penis Cactus

Its name is Lophocereus schottii cv. Big Penis Cactus. It’s a name that is difficult to say in polite company and, perhaps, not safe for viewing at work.

I had four of these plants until I gave one away yesterday to a friend who owns a plant nursery. The following picture shows the other three, with the small one at right being the one I gave away. The middle plant is about four feet tall.

Lophocereus schottii cv. Big Penis Cactus

And now you know….


Double R Creations & Photographic Art by Russel Ray Photos

Double R Creations

Double R Creations & Photographic Art by Russel Ray Photos

Several years ago, just before I retired on December 31, 2016, I created Double R Creations with the intent of using the billions of pictures that I have taken since 1966 to create unique stuff, like leather pillows, coffee cups, drinking glasses, 8″x8″ tiles and huge 30″ x 20″ tile pictures, calendars, playing cards, and more.

I’m in the process of creating several calendars featuring my Photographic Art, cacti & succulents, flowers, animals, and one featuring nature’s geometry. Speaking of nature’s geometry, the proof book of Nature’s Geometry: Succulents by Russel Ray (that’s me!) arrived yesterday. Looks like this:

Nature's Geometry: Succulents by Russel Ray

Nature's Geometry: Succulents by Russel Ray

I already have found a place to create leather pillows, as well as canvas, metal, acrylic, and glass prints, all at reasonable prices.

A couple of weeks ago I found a place that can create quality puzzles for me, also at reasonable prices. I ordered two puzzles, and they arrived yesterday. Looks like this:

1014-piece, 30"x20" puzzle from Double R Creations

1014-piece, 30"x20" puzzle from Double R Creations

As items are developed with prices, I’ll announce regularly here at my blog, so stay tuned!