A bank may not take stock as collateral, generally but they may take government bonds, A rated or better, as that is the limitation on their holding securities in portfolio generally, that can't take something as collateral that they can't own.

In Colorado (as rules governing insurance are state specific), in order for an insured (individual or business obtaining the policy) to get an E&S policy, they need to be denied by three admitted carriers first.

I can also respect them as they try to build a business it's how they go about it that usually bothers me.Many of the guru wannbes have nothing to lose in trying to put something together they can profit from, IMO, it's too bad it's not regulated as schools are for real estate agents.You have a professional standing and you are at risk in losing that if you get tied up in some deals that blow up and I know you are aware of that.

If it was a small fire, then yes, simply remodeling the kitchen could possibly fix the problem, and could possibly be cheaper than you think, especially if you go with all new energy efficient appliances (you can qualify for government tax incentives and breaks).

Knowing the government can take away the retired pay at any time, I decided to make sure we had some investments to cover up any loss of income.

Yeah it's more government streamlining red tape BS.If they would just get out of the way the market would work itself out faster.

-Steven the Tax GuyYour guide to IRS laws, rules and regulations.

There are some states which do not specify a particular form but regulate the contents of the form.

And yes, unless you have some weird type of federal government insurance [does that exist?]

Just keep in mind that there are many regulations imposed upon you from your state and your brokerage related to wholesaling while licensed.