I don’t understand this and neither do I see explanations or examples of why this might be, yet they are not isolated incidences.

Anyway, without a plausible explanation of WHY he MUST be cashed out by the end of next week, plus all the other issues, I'd refer him to Dangboo, the son of a Nigerian prince who needs to deposit millions of dollars in your account...

That is the simple explanation.

@Matthew Paul thank you for the explanation, it really helps to understand the overall work.

Now that I am trying to find ways to help our family with investing, she supports me, but I need a way to use the cash cow we have.I have not been able to find an article or explanation to get her to understand refinancing, maybe I don't understand it, to explain it to her.

Not enough space here for the explanation, however I will tell you that it involves what Einstein referred to as the "greatest invention of the 20th century"....compound interest.

She denies doing anything with the drawers, but has no explanation for what happened to them.I will get estimates for drawer replacement costs, and deduct that from her deposit along with the cleaning fees (Merry Maids).  

RCV is when you would want to ask for the replacement cost estimate of the house.Please message me directly if you would like any further explanations of how brokers find numbers for policies.

Canesha Edwards - thank you for the detailed explanation.

After I posted, she responded to my email with a pretty reasonable explanation.