Well I learned about co-insurance clauses and how to protect my bum from insurance folks today from Tim.

., inducing my participation by giving a promissory note that he never had any intention of honoring), and committed other acts of bad faith.It will be some small measure of satisfaction to put a collection agent on his butt from now until kingdom come.

It's been ten straight days of more than 1% change in either direction (except for February 7th) and that feels ulcer-inducing at times.

Maybe bum some ideas from them. http://www.altpropertymanagement.com/

From my research Vermont, Maine, and Colorado are the three states that will suffer the least climate induced damage in the coming decades.Any thoughts on all of this?

Yes, don't show up looking like a bum.

I do believe this is Fraud by Inducement due to all all the misleading lies we were told as well as no disclosure that they were whole Salers.. 

(e) For profit, to induce or attempt to induce any person to sell or rent any dwelling by representations regarding the entry or prospective entry into the neighborhood of a person or persons of a particular race, color, religion, sex, handicap, familial status, or national origin.

The Commission shall have full power to refuse a license for cause or to revoke or suspend a license where it has been obtained by false or fraudulent representation, or where the licensee in performing or attempting to perform any of the acts mentioned herein, is deemed to be guilty of:(a) Making any substantial misrepresentation in connection with a real estate transaction; (b) Making false promises of a character likely to influence, persuade or induce; (c) Pursuing a continued and flagrant course of misrepresentation or making false promises through agents or salespersons or any medium of advertising or otherwise;(d) Any misleading or untruthful advertising; (e) Acting for more than one (1) party in a transaction or receiving compensation from more than one (1) party in a transaction, or both, without the knowledge of all parties for whom he acts;(f) Failing, within a reasonable time, to account for or to remit any monies coming into his possession which belongs to others or commingling of monies belonging to others with his own funds.

Avoid touching tax-deferred accounts if that induces fees, fines and taxes if you have other options like taxable accounts.