Owner is liable for damages or injury to tenant or guests if caused by owner's negligence.  

You can be a expert because your very négligeable about it, or you could have 30 years of experance with little success, or be extremely successful with a few years of experance...

My thoughts are that an adjustable APR on such a small amount is negligible, when compared to the cost of an appraisal.

The management company would not be negligent if faulty wiring caused a fire.  

So I agree, hairline crack COULD be negligible.

It may protect some personal assets, if something goes wrong, I am not sure what that would be, but you would still lose the property and if you are negligent, it may protect nothing.

As I said, if interest can be earned on funds in trust and if there is a justification to retain interest paid and it is agreed to, then the party maintaining that account would be rather negligent in conducting business if they didn't retain the interest or at least some of it as there is work involved in holding and disbursing funds.

this gross negligence caused water damage downstairs.

So they could either come out of pocket almost double, or they could add a negligible amount to their payment, both options with a new roof.

on the other hand, the difference in rates for a car for 720 credit score vs 780 should be negligible. if a bank told you otherwise, try a few other banks. so you could have your fiancee just get the car.also, if the student loan is not in her name, don't tell anyone about it!