@Kate JonesI take pictures only if the tenant will be charged for some damage, or if some material change has occured (like walls painted).

A load of say 500 extra pounds (chair and people) isn't a static dead force but instead will be increased with the swinging motion that occurs on the seat pressuring the beam above.

I'm trying to get it corrected to where the conversion doesn't occur, but Vanguard is being very unhelpful.

If they're coming in the house in mass quantities, they're probably not ACTUALLY ladybugs, but rather Japanese Ladybeetles. related, but the Japanese Ladybeetles do bite, are a bit bigger, tend to come inside in the winter and occur in massive hordes. https://www.abchomeandcommerci...dealing with them is a bit different.But to your larger point...yeah. if you live on a lake there just ARE bugs. it's part of the 'charm'. 

The one you need to be careful for is electricity, this is where a lot of abuse and excess cost can occur. 

I agree and have been doing that for 12 yrs.to prepare for my 1st primary home purch.in my mid 50s hopefully all cash whenrates and reverse repos and quant. tighteningpresent headwinds after layoffs occur in the USAIt took a lot of hard work, a spreadsheet,and daily bookeeping for a decade to gofrom a post bankruptcy 530 to 800 at one pointalong with a LLC that has six figures in credit, etc.I haven't even gotten started and the first stepwas a million dollars in credit and cash to start.But kids that grow up on a smart phonemight not be able to pay dues LOL?

I sent a note to a neighbor informing them of their falling tree limbs(300 pounders) and if damage should occur in the future I would be holding them responsible.

good  ideas  above - some additonal  tips :1)  pay down / keep  revolving  balances  below  30% of the  max account limit  ( eg. if card has a 10K limit - keep balance under 3K ) 2)  if  shopping for a  mortgage or car  - avoid letting multiple lenders  pull your credit  if possible  as  many  inquiries in a  short period arent a  good thing ....if you knowwhat your score are - provide this  information to the mortgage lender  when  requesting  quotes ..if they cant provide you  quotes  with these  scores - call another lender 3)  try to keep a minimum of  3  accounts ( tradelines ) open and  active , even if these  accounts are  small ...as  having  exisiting  accounts with  activity  and good payment history will help  establish / restablish  credit history 4) if you are  unaware of your  credit scores / history - try to get a  " tri- merge  " report  pulled  as this accesses the  3 moan credit buraus and  will allow you to see  your  credit  and  then be able to  be aware of any  issues  so they can be worked on ....try doing this  every  1-2 yrs  ( or when you  think  there might be  some sort of issue occuring )

This will be most beneficial if you decide to do any remodeling and for just general maintenance that will need to occur on your property. 

The same is true if the reverse were occuring where you had the 70k purchase price but it appraised at 80k.