., the destruction threshold); which Property characteristics the destruction threshold percentage applies to, such as market value, assessed value, replacement cost, or unit count; for Properties with multiple buildings, if the destruction threshold percentage applies to each building, or all buildings as a whole; the replacement cost to rebuild per current requirements for zoning, and land use; the Property’s continued marketability, and economic viability; the amount and type of Borrower-maintained insurance coverage required per Part II, Chapter 5: Property and Liability Insurance, Section 501.02C: Ordinance or Law Insurance; insurance loss proceeds payout, compared to increased rebuilding costs, including from building code changes, Americans with Disabilities Act compliance, and the municipality's local zoning requirements (e.g., green compliance for new buildings, etc.); the sufficiency of estimated insurance proceeds from ordinance or law insurance and other coverages to repay the Mortgage Loan in the event of partial or full casualty, or condemnation; and for a Tier 3 or Tier 4 Mortgage Loan, if requiring execution of the Limited Payment Guaranty (Form 6020.LPG) would mitigate the risk of the as-rebuilt Property not supporting a Tier 2 Mortgage Loan.

no average jo blo can save their way to wealth, society keeps people in debt, ergo amortization of debt....buying and hoarding stuff(in storage you pay busting out of your garage no less ), stuff you don't need rotting in storage or does not have value other than cashflow for storage unit business owners.

You are probably ok with any reasonable rule especially if you can point to a HOA, county, state or even a the Humane Society guideline.   

I saw an episode of American Greed this weekend, regarding a company called Remington Financial Group that charged an up-front fee to entrepreneurs in exchange for helping them find funding for their ventures.  

I recently got an Advent Calendar, 24 days or Bourbon and American Whiskey.  

I've had a property insured with American Modern for a number of years. 

AAPL has been trying to stop using the word hard money because it has a negative connotation and move everything over to private lending.But Ned is right, I had always viewed it the way he has as well, but as a lender I have no friends, so I guess them I am allowed to use it interchangeably.The Demise of “Hard Money” in a Private Lending World | American Association of Private Lenders (aaplonline.com)

Quote from @John Canwell: Last point - Americans need to start being minimalists.  

The real benefit to me was in moving out on my own and moving to a different state where I had to learn to integrate into a different society than what I was used to.

From my 6 years of living in USA, my observation, I have realized that in American norms, parents' well-being in not their kids' responsibility.