ha ha true--- Loophole is just a more fun word to use and used by my CPA- I think it draws more attention than "IRA Rules" thats just too boring :)

At the end of the day, these carriers are insuring based on risk profile and they are carefully reviewing real time data that tells them whether its a market they want exposure in and how to price that exposure. 

Jokes aside, I believe @Noah Wright's post brings attention to another issue and that's the smaller investments many capital raisers are seeking.

I'm a huge believer in the numbers and I don't care whats going on with the market. 

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From my experience, most people don’t pay much attention to their tax rate until it’s tax season, but a small percentage are proactive and keep track throughout the year.

"The staff is so wonderful, you've really done a great job taking care of this place." 

Who cares?

So you might not want to go alone, and always be very careful.

Maybe that is not the case today, but I have always favored tanked WHs, especially on my own homes.Most people may not care about this, but.....in the event of a disaster, if you have a tanked WH, you will have 40-50 gal of stored accessible water at your disposal.