(I'm certainly guilty of it).

Guilty as charged. :-) LOL. 

I do have a newbie question, and while there may be a better place in the forum to ask it, I'll plead ignorance, and toss it our here.  

Odie Ayaga thanks for the advice, I'm already guilty as charged with repeating forum topics... thanks!

You're just looking to ease a guilty conscience!

I am clear up front, they have it in writing, and they can abide by it or suffer the consequences.Calling them with reminders, pleading for them to pay so they can avoid eviction, or any attempt to negotiate with them is a sign of weakness and they'll usually try to take advantage of that.

I went back to the ductless guy for a "told you so" kind of conversation and he pleaded the rebates route (but you get like $1500 in rebates!).

For your place, check to make sure water from the roof is still flowing away from the foundation (foundation landscaping is often the guilty party), also look to see if there are any sewer/sump grates with sitting water (clogged sewer drains, failed sump pumps, depending on the house layout).

I'm absolutely guilty of this too and it actually slowed me down.I should have known not to procrastinate.If I had taken simple, imperfect action, instead of overeducating myself, when I started back then, who knows what success might’ve been waiting for me?

If one cannot trust, get working on protection.I was guilty of GO GO GO though though not my usual modus operadi.