I would ask your insurance agent how did they arrive at such a high reconstruction value...I am a Farmers agent and we use a software called 360 value where you input the address and based on the area/and the number of claims and material used in that particular area the software will tell us a guestimate of the amount it would take to rebuild the home...So this is very important because it directly affects your insurance premium (the money you are paying for that specific coverage) The personal property amount should be lowered if you don't think you need this much because again this is affecting you premium and you're basically being over insured which costs money...liability at 300K is what I suggest when the owner is residing at the property if you are not living in the property and you renting it to others I would suggest 500K the maximum (for Farmers) is 1 million....medical payments to be honest will rarely be used (this is for example someone gets hurt on your property and they come after you for medical payments this would come from here) but to be honest if someone gets hurt on your property and they come after you for money is going to be more than $3K thats why its important to have the right amount of liability this is where the monies would usually come from...and loss of use is the monies that would be applied to a hotel stay while your property is being reconstructed from the covered loss that occurred...on the other hand if you are renting the property these monies would go towards the rents you would go without while the property is inhabitable...hope this helps!

Just buy the ABNB share itself where it's priced pre-IPO, with the cash flow and revenue projection, the Airbnb valuation is so cheap and could provide a modest return in the future2. or invest in fractional home ownership where Airbnb is offered, like arrived/Bezos home is still offering 5% cap Airbnb with money as little as $100.I did all three myself (own STVR,owned fractional sTVR and willing to acquire ABNB shares with pre-public offering price lol).

That being said, I'm actually arriving early afternoon on Saturday and plan on going somewhere and grabbing some drinks while watching the games.

In that regard, we both arrive at the question of whether a wage, though paid globally, below that which is legal domestically can be called ethical?

I must credit Bryan Hancock for forcing me to research this topic to arrive at that conclusion.That being said i think harder times are coming.

It's only new until the payment book arrives in the mail.The average car payment is probably between $350-$400/month and as soon as it's paid off the owner feels obligated to replace it.

I simply stated that this is not an easy answer and there are a lot of things to be discussed to arrive at the right answer.

If you have one renter leave and someone checking in the same day, you need your cleaner scheduled in and out in that window, same day guests (which there are a lot) will also make you have to clean your unit quickly, guest often arrive late and will make you wait to check in, people will give you bad reviews (sometimes for no reason), your cleaner may or may not tell you or notice damage in the unit, and a short term tenant can completely trash your place.

They asked about our credit and we said we've been working hard to keep it perfect, and they asked if they could look at it.I specifically asked them whether or not it would appear as a soft inquiry or as a hard inquiry because we're watching our credit numbers like crazy, and hard inquiries have a negative impact.He assured us that it was a soft inquiry and that there would be no effect.As soon as we arrived home, both of us received notifications via email that our credit had dropped 6 points, and that a new hard inquiry had been added.Is this kind of dishonesty just accepted?

Cases like Al-Marri show us that there are violent killers who want to kill us who aren't afraid to live in our neighborhoods and I know from my own moment of truth that there is often insufficient time for police to arrive and intervene.