In most business contexts, insurance is classified as an indirect expense. However, the specific type of insurance and where it is applied can change its classification on a financial statement.
Never pay down a deposit in a bank account until you have met the seller, seen signed a purchase agreement.
No serious private advertisers ask for a down payment before you meet.
Receiving an email with an in-scanned ID does not mean that you have identified the sender. You do this on the spot, when you sign a purchase agreement.
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