I stay fit still with weights, walking and swimming when I can find a pool. 

.#4 - The only weight you have is with the State Contractors Board.

I didn't seek an umbrella policy until I had a few properties and I felt my risk of not have one out weighted my cost. 

The weight of their equipment is the main reason. 3mm thickness(4 would be better if affordable), a minimum of a 20 mil wearlayer and ESPECIALLY a scratch resistant FINISH like Aluminum Oxide or Ceramic Bead.

Ujvagi is throwing his weight around touting about fining everyone who doesn't comply in time and right now, I sure wish I could still vote on those officials. 

If it would go to court, do you think the email I sent to the contractor and his assistant would have any weight in showing they had knowledge I wanted the entire roof replaced?

I would weight out the opportunity cost of money that is sitting in a bad deal.  

I think those lessons are worth their weight in gold going forward.We are currently evaluating a 10 unit opportunity right now that is absolutely going to need investment partners on the deal to make it fly but at the end of the day, if the numbers work then we should move on things and grow. 

we have all seen the ncnd's circulating around....some investors just laugh at them and dont really care for them and most say they hold no weight on anything...is there something above an ncnd/nda that will protect us more from being circumvented???

If you accidently kick over your paint can a clean work area will clean up easier then a cluttered area.good brushes are worth their weight in copperbecause good brushes offer better coverage better coverage means less time.if a friend stops by to watch ask them to remove or reinstall the switch plates this will save you time later so you can get back to the game.Take your time. ok sounds counter intuitive lazy people want to be done faster right?