u/ayhme

Some of the steepest increases over the past five years have hit inland and Sun Belt states like Arizona, Texas and parts of the Midwest.

Arizona experienced the highest increase in homeowners insurance cost in the country, with premiums jumping by 94 percent between 2021 and 2025. Idaho followed with an 88 percent hike, and third came Iowa and South Dakota with 83 percent each.

I'm interested in getting some professional photos taken for a website I'm launching for my own consulting business.

Thought I'd ask here if people have any photographer recommendations?

I'd like a price on the session and touching up the photos.

Feel free to comment or DM.

Klarna CMO David Sandström created an AI avatar of himself so employees could “vent” during a period of budget cuts.

Instead of sending Sandström angry Slack messages, employees could call a number to talk to an AI voice that sounded like him.

This AI counterpart was designed to remain consistently agreeable — quick to apologize and assume responsibility.

Test

I posted about how my Landlord Died an he left no Will and does not have Relatives.

Some Redditors wanted updates. :)

1. Rent

I have not paid rent in 3-months but I am putting away the money into a savings account.

Somewhat doubtful anyone will ask about this for a long time.

2. Neighbors

I've met more neighbors in the past month than I ever have in this neighborhood for the past few years.

People stop by to chat when I am outside all the time.

Everyone wants to know what is happening with the home and maintenance. Most are concerned that the home doesn't become an eyesore.

Some want me to rent out the 1st floor unit because they know people that need a place. Some seem interested in buying the home.

This is a desirable neighborhood.

3. Estate

I checked the Register of Wills. Nobody has opened up an estate on the dead landlord.

The clerk said I should enjoy this time. It can take 1-year for something like this to settle.

Some estates he said take years.

4. Friend

The landlord had a friend that loaned him money. This guy is very keen to claim he has rights to the home apparently.

My lawyer said since the owner deeded it back to himself, the friend does not.

5. Liens

There will be a lien on the home for the solar panels and system. I'm unsure how much it will be but likely at least $20k - $30k.

It was an expensive setup at the time installed and it is in the Land Records he used equity in the home to finance it.

There was also someone that stopped by to give the neighbor documents about the Reverse Mortgage?

Supposedly he owed $80k on the home. I don't know if this is true or not yet.

For some reason she gave it the friend the letter without letting me know.

6. Problematic Neighbor

There is a neighbor that used to help landlord go to medical appointments. She has a key to the 1st floor unit and has been entering the unit.

First she was helping clear out food out of the fridges. Helpful imho.

Now she is taking his stuff and donating it. I told her I did not want her doing that.

She is old and senile though. Unsure if I need to get a lawyer involved or something?

She also keeps saying it isn't her business then does stuff like giving the Reverse Mortgage letter to the friend. He's hired a lawyer to investigate whether he can claim the home.

7. Units

The first floor unit is rough.

I was actually quite surprised how my 2nd floor unit is in much better shape. The difference is shocking tbh.

There is an odd smell in the kitchen, which I assume is mold in the walls, cabinets are outdated, all the floor needs to be redone. Many other things.

My friend stopped by to look at at the 1st floor unit. He has done home renovations and does real estate.

He estimated minimum $50k.

"Once you start taking apart these old homes you don't know what problems you are going to find."

The basement could also be converted to another apartment unit potentially.

Last project he did set him back $120,000. The home cost $65k and is now worth $350k.

8. Utilities

I pay for Internet now but I have not paid utilities.

I tried to get the utility to open up an account and it was a big issue. I have no idea why.

The solar panels create a credit back to the utility so I assume that's why they haven't been shutoff yet.

____

That is everything I can think of.

If you have thoughts or advice, please feel free to let me know.

Other questions I'd be happy to try to answer.

UPDATE - The lease states I can use the Washer and Dryer in the basement and have access to the home to do so.

The only way to get to that is going through the 1st floor unit.

UPDATE 2 - Yes I see from YouTube changing to a new lock set would be very easy to do. 🔐