@Austin Bright Texas is currently seeing very aggressive premium hikes due to several large insurance companies pulling out of markets and due to claims for numerous storms and natural disasters (hail, hurricanes, Houston floods, etc).

Modern surveillance technology has saved me on numerous occasions!

But to me, if you can't point to a specific numerical level and say that such a level is dangerously highly and inherently risky, then I can't help but worry for that person.

KBKG was the first company ever to launch a self service software for properties this small and it has been through IRS audit numerous times.

American Express offers tailored benefits and rewards for those in the Real East industry.

I would typically consider normal wear and tear, unless there were repeated attempts to mount the TV unsuccessfully, such as missing the studs multiple times, which I have observed on numerous occasions.

Don't just keep "ramming it down" the one technique all year, every year. yes we are running based on reward/risk return.

Huge reward, huge risk. 

But after 45 years in the business, I can tell you that my general feeling is that the "Subto Guys" are different from the numerous BS guru/mentorship programs we see out there.  

The generation preceding will reap the rewards, this one will suffer.