Whether the place you live in will become warmer or colder will depend on a number of factors and scientists do not know enough to predict that.Here's an article from the Woods Hole institute that speculates that the North-Eastern part of North America and the Western part of Europe will actually become colder due to global warming.http://www.whoi.edu/page.do?

For speculation yes.

I speculate he or she will be more vigilant about maintaining credit due to working so long and hard to repair his or her credit damage: Versus simply getting a quick fix from a credit repair company (if there even is such a thing as a quick fix) I am not referring to the minority credit repair case; divorce, identity theft victims, etc...

My previous and current investing experience has been primarily market timing speculation purchases of new homes during appreciation cycles.

So much for the appreciation is "speculation" theory! 

It’s not compulsory to stay to one explicit supply rigidly; even a mixture of varied completely different sources may be used.Anyone is speculative the way to raise cash for a eating house, a start-up, associate degree agency, or the other small-scale venture ought to keep these ways in mind.

I'm not completely sure about the downturn, but can speculate that the tourism industry suffered during the recession, but seems to be rebounding pretty well now.I was just throwing it out there on posting those properties.

As long as real estate loans remain tied to wages, it prevents a boom from turning into a mania like 2005-2006 was. 2002 thru 2004 was a boom, 2005 thru 2006 was a mania. https://en.wikipedia.org/wiki/Economic_bubbleAn economic bubble (sometimes referred to as a speculative bubble, a market bubble, a price bubble, a financial bubble, a speculative mania or a balloon) is trade in an asset at a price or price range that strongly deviates from the corresponding asset's intrinsic value. 

I am not going to judge regardless how people are going to invest/speculate.

There is no sense speculating on what could be done if the $$ man won't let you do it.