I would be very very hard pressed to pay for this test if he never informed you about the issue prior to just ordering the test.

If your handyman cannot do vinyl, find a real handyman because its super easy, its glue and press, simple!!

Term may be great for pure protection while you're building your assets, but like some of the prior replies it will vary with your life goals, plans, and preferences.First of All if term was so great for "everyone," (blanket) you'll be hard pressed to renew that term policy past 65 when you'll probably need it most and then secondly as term gets past 40-50,50-60, and 60-65 its prohibitively expensive even on the just the pure insurance aspects of it.Then 65 till death you'll need a great game plan and have enough assets working you and your heirs because if they inherit the estate without adequate liquidity to pay the final expenses they would have to fire sale the assets/real estate in order to do so at a time when they probably wouldn't want to focus on those business particulars.Then on top of that if you own more than the current 5.25 mil in assets you may have an estate tax issue as well subject to the current 40% rate + state if applicable.If you would have fully funded your permanent policy adequately to the MEC (modified endowment contract) limits when insurance was cheaper such as at "birth," by the parents, by the time the kid is 8-12 they could have a policy that probably earns more than cost of the premium payment based off internal policy returns which would allow the policy to continue indefinitely assuming you have a professional review your policy annually and do analysis when you plan to take a withdrawal or a loan to make sure the policy is respected.

Can anyone help with the pros and cons of bnb instead of reading bad press?

But if pressed to answer the question "Do you think that Zillow's Zestimate is an estimate of your house's value or do you think it is actually an Appraisal?"

If you go to the Press & Sun Bulletin the local newspaper for these area s (pressconnects.com) you can find alot of information on them.

Looking around on the ND AG's web site, I found the press release I put into correct link.

There is no sale and the broker for the first agent will not press the issue....period.

Steer clear as I wished I had done my research ahead of time and wasn't pressed to make a decision to use a lender without my research of the firm that I was going to be doing business with.

You won't see the money, but I'd consider pressing charges.