One of my protégés had some items frozen together.  

., investors were having there lines frozen). 

Leaving your equity in a "frozen" state, is losing you money.Now, if your sold that property, and used the now "liquid" equity as a DP on another property (or more than one), you are now back to a 5 to one ratio of PV to cost, which means that $40k is now worth $200k in PV...not $120k, like it would be left as is. 

Many MTR tenants work long or late hours and rely on convenient meals- leftovers, frozen foods, etc.

I spent about 300 and he saved me $1,200 per year which was frozen for 3 years. 

Regardless, the industry, unlike when I started lending, has matured and these companies now seem to have procedures and accounting in place to create a much better service than what seems like a decade ago when my account wasn't frozen.

It is February though and the losses you will face from frozen pipes are much higher than getting stuck with a gas bill. 

I also drank water from my toilet 2 months ago when my pipes were frozen.

You have lots of extra expenses due to the cold weather like plowing, sanding, frozen pipes, or even shoveling the roof after a major snowstorm! 

I've found good help to deal with things like frozen pipes, frozen lock boxes, can't open the frozen front door (found these from business cards on the restaurant walls).