Burner phones only cost about $15 and providing your address to a 911 operator is free, as well as is an "i smell gas" call to the local gas company. 

I mention this because anytime I see someone say their job doesn't allow them to save, I immediately want to dig into their budget and find the fat.

Everyone else kind of got put on the back burner.

So far BP has responded with two people, one who posts misinformation the average 7th grader could see through, and another who immediately jumps on the "I'm a realtor I'll help you liquidate your listings and get a fat check for no real effort with my 90 hours of training".

If you're waiting for several months to invest, you could have finished a project and enjoyed a big fat profit from it.

Keep the horror stories on the back burner there's no benefit there! 

The roommate said he was talking nonsense again about someone leaving the oven on, then she noticed when he was the only one home he went and turned two burners on and left the oven door open and on.

I know it's difficult but be patient, you've done great so far and it's not worth getting less than favorable terms just to get some quick cash (unless it's the home run)....as an old farmer once told me "hogs get fat but pigs get slaughtered" 

If they did not disclose they were a licensed agent, not only are they not due the commission....they could in fat have their license suspended or revoked for not disclosing their license status.

The insurance industry is highly profitable, and by using the self-insurance technique you can essentially get a cut of those profits for yourself, both reducing the effective cost of insurance you pay and also giving you the peace of mind that having a nice fat self-insurance fund sitting there provides.