So, for what it's worth, it's definitely not "scratch proof" but the fake hand-scraping gives enough variation where it doesn't stand out and is easily repaired.

Of course, it will be my "retirement" also, although I'm about as retired now as I can stand.

I am still developing my negotiating skills, so right now I am at a stand still.

My name is Jeffrey Cerra, I am a builder/developer moving into the stand alone fractional vacation home market.

The subject is about tactics and alternatives not political bashing (I know some can't help it, but let's try not to go there) Frankly, if you're a real American you know that we stand together above politics and that politics stops at the water's edge. :)

I hope you hadnt left those block walls still standing unsupported?

As it stands I will be taking @David Beard 's suggestion using the 401k loan path to invest out of the retirement vehicle and will also take @Dan Brewer 's advice with regard to using the funds in the 401K to gain reasonable returns.

ClearNow only offers ACH but erentpayments has a number of options but the one you want is the ACH (stands for Automated Clearing House).

Spray on the grout, let it stand for five minutes, then scrub with a stiff brush.

Give them the exact same scope of work and check multiple references, insurance certificates, NARI or other memberships, standing with the contractors license board, any pending litigation, etc.