The other is vehicle, personal loans credit card etc.  

My product is contract sales and Real Estate is merely the vehicle to get from A-B. 

I told him my buyer was going to be a white collar professional in late 20's to early 30's, 0-1 kid, income of this, credit of that, drives these types of vehicles, etc etc, ADN than the ballzy shot of shot's, I gave 3 places of employment.

My liability insurance (contractor) has gone up substantially as well as commercial vehicle insurance.

I am better off investing in 'life settlement' vehicles than real estate.  

Well, I’d say that the free market is the most moral vehicle humanity has had in our history.

As additional precaution I use MBAinsurance.net which is one of the only insurance providers that allows you to rent personal LSV vehicles, Mopeds, etc.. to others for income. 

A qualified retirement plan, such as the eQRP are the preferred vehicle for our investors.

My umbrella policy is far greater than what most people need and far more costly but it is distributed across all my units and includes a fleet of vehicles and other toys.  

These measures will not only improve the quality of life for residents but also reduce the dependence on cars, which is particularly important for those without access to private vehicles.