LOLI do not get too much into politics and the big picture too much.Dennis I understand your position.My mom a few years ago had a full knee replacement.The surgeon that operated on her is one of the best in my half of the United States.Medicare covered part of it and then her secondary insurance picked up the rest.She was one of the last patients with Medicare that this Doctor took.The reason he no longer was taking Medicare is not only were they going to start squeezing them on pay outs but the bigger issue was control of the patient care.For instance my mom has one of the best knees with no issues and full range.It's the same the professional athletes get for sports etc.The surgeon was telling us Medicare was fixing to dictate to them what brand and quality of knees they would have to surgically install in their patients.All because they want to buy cheap crap to make a buck and buy in bulk.The surgeon said he is not putting in junk knees from Medicare and then the patient sues him for revisions,infections,messed up internal parts that fail prematurely when the problem isn't the surgeon but being forced to use an inferior product.More policy thinking they know what is best but creating more problems than solving them.

We spent more on the reconstruction than on the home/land in the first place.I forgot to mention that we bought it through a wholesaler who took a $10K assignment fee, so that's a success story for a wholesaler.

Train your tenants that you are not a surgeon, CIA agent, or a firefighter.

I was just talking to a friend today who is a surgeon in CA.

Downtown is growing a skyline, the reconstructed freeway system will be completed next year.

Same way if you are a surgeon you can't dedicate several hours a day to finding the best deals. 

The dwelling reconstruction costs, the fire rating or how far you are from a fire hydrant and responding paid station are some of the biggest factors that help determine premium.

@Emilio Ramirez I reconstructed an addition that was built with no foundation.

@Justin Sheley what is your strategy after the 12 months zero interest period, are you gonna renew your membership and ask F&G to reconstruct your credits?

It's not just free education or scammy MLM pyramid as some of you like to label - so you'd go to a surgeon who learned surgery for free?