They are also defrauding the government and American people as a whole by not paying their fair share and may even be receiving benefits due to lack of reported income. 

BP Agents,I recently read a statistic from an American university that said 81% of people respond to direct marketing efforts on the 5th contact.

American Home Shield is the only company I have had experience with recently.

I like my Lowes American Express.

Most of the information on podcasts and BP is American-centric and not applicable anywhere else (lost track of how many times Canadians investors have insisted they would like to do a 1031 exchange in Canada!).

I attend grad school online with APU (American Public Univ).

A number of them will be re-introduced in next year’s legislative session.SB 47-Evidence - Wiretapping and Electronic Surveillance - Fair Housing TestingHB 34-Failure to Pay Rent Proceedings - Prohibition on Rent Increases and Shielding of Court RecordsHB 303/SB 757-Baltimore City - Air Conditioning in Residential Rental UnitsHB 166-Workgroup to Study Community Association Standing in Nuisance Actions in Baltimore CountyHB 211-Rental Housing Fund, Calculation of Taxable Income, and Transfer Tax - Alterations (Affordable Housing Investment Act)HB 315/ SB 817-Multifamily Dwellings - Smoking PoliciesHB 577-Human Relations - Discrimination in Housing - Reentry-Into-Society StatusHB 684/SB 504-Landlord and Tenant - Residential Leases and Holdover Tenancies - Local Just Cause Termination ProvisionsHB 691/SB 807-Landlord and Tenant - Failure to Repair Serious and Dangerous Defects - Tenant Remedies (Tenant Safety Act)HB 757/SB 919-Real Property - Expedited Wrongful Detainer Proceedings - Property for Sale or LeaseHB 882/SB 770-Landlord and Tenant - Holding Over - Landlord Restrictions and Tenant RemediesHB 972-Landlord and Tenant - Rent Escrow - Mold in Residential Dwelling UnitsHB 1016-Real Property - Residential Lease - Early Termination by TenantHB 1023-Real Property - Landlord and Tenant - Procedures for Failure to Pay Rent, Breach of Lease, and Tenant Holding OverHB 1163/SB 964-Human Relations - Protections Against Discrimination - Criminal Records

I've been using American Modern but the rates have almost doubled even though I've not filed a claim. 

Talk to an American C.P.A. that does cross-boarder taxes or your local Chartered Accountant. 

Even the American Institute of CPAs (AICPA) and the Journal of Accountancy recommend doing cost segregation studies.