Once you sign that agreement, you have a legal and binding document.Some fees that are placed in addition to a percentage are to help reduce the agent's fees - especially if the expected commission will not provide the agent with an adequate paycheck after the broker's cut and other investments that the agent had to make in order to help the buyer purchase a home have been removed from the commission.The challenge of the buyer is to make sure they have the funds to pay the agent.

It's the nature of the beast.

I have this on my lease: "Tenant accepts the cost of clearing the drain of any and all stoppages within the property except those caused by defective plumbing, tree roots, or act of Nature or God."

Analysis paralysis, natural aversion to risk, but want to break myself of that cage.I also try to always do everything on my own, no mentors, help, partners, etc, so that has also held me back. 

I'm sure organizer @Dmitri L. will be thrilled to know you'll join us.I am currently trying to find a venue for us to meet and a head count is really important so I will certainly add you to the count and I ask all others who plan to attend to make it known so we can secure a venue with adequate space. 

You can have a natural person or LLC as the beneficiary - the choice between the two is one of tax liability as they are pass through entities; not civil liability.

@Nixon Corpuz 401k plans are by their nature participant directed.

We are just so pissed with these girls that they are taking advantage of our nature and this one thing we missed.

But it does sound like they aren't taking natural wear and tear into account and are possibly going way overboard. 

But could you lose it all if something like a natural gas explosion killed a family of 5?