I'm wondering if the insurers now have this new pattern of hurricanes built in?

As I previously noted, based on the fact pattern described whole life really is not appropriate or a good option; however, in the right situation and for the right person permanent life insurance (aka cash value), which might consist of whole life, IUL, VUL, etc, can be very useful.  

I go for granite, hardwood, wood or marble look tile, quality vinyl plank, trendy grey walls with white trim, stainless appliances.

yes you are overreacting, this has been addressed thousand times in bp, to reduce risk you could buy house that the price pattern is similar to 2020-201 or also house that needs repair.Carlos, I think it's time to just give up.

We've noticed you've experienced a consistent pattern of dissatisfaction with your stay.

Patterns of bad behavior will always come back to bite you, whether it is yours or just the actions of the bad professional.A bit of a departure - but great post on this @Michael Plaks, this is one that is confused all the time.

But you can attenuate that pattern of behavior in your rentals with good vetting.To further your point Jim this is where I see newbie landlords who have absolutely no clue how most tenants at least those that can only afford 600 to 800 dollar rents live their lives and how they think.landlord wants to charge for any little thing that gets busted by the kids.. tenants have no money  .. so then they start to get upset and look for a new place.. maybe break the lease all together.. 

What the behavioral patterns are of the ones that are successful? 

If I really wanted to find out if there was a pattern, I can look at all the deals generated from DM over the course of a year or two. 

This thread has a good discussion.The pattern typically is:- Throwaway account that suspiciously seems like it’s actually the guru charging $10-$40K for course, mastermind, tribe, mentorship, seminar, coaching, etc. asks about specific guru with weirdly specific SEO minded title of post.- Community immediately chimes in to steer poster away from spending this much on guru nonsense when info is available freely on BP.- Throwaway account gets annoyed at great advice offered by community.- New accounts (1 or sometimes lots) flood the comment leaving weirdly similar reviews - not just for each individual guru, but like the same type of review for EVERY guru.