@John RoosterI don't use either for valid REI info but if you want to make money in stocks this is the area my BIL is touting...http://www.bloomberg.com/news/2014-01-09/pot-shares-rally-21-to-1-700-as-speculators-see-green.htmlNothing like buying (when) HIGH & mellowing out for profits before they go up in 'smoke' like most penny stocks have in the past....

I guess you missed my point: The only thing that auto and home insurance policies have in common with life insurance is the word insurance.I stated that if you never file a claim on your home or car insurance then all of those premiums go up in smoke just like Term Life Insurance.

Of course I've had hundreds tell me how much they love to garden...I think that must be slang for smoking pot.

That's just Silver Dollar City.

The silver lining is that you only purchased one property and not many.

Is easy to get rid of marijuana smell in the house if he smokes again?

The trading gold for silver/bronze is probably challenging longterm.

They've been smoking in there for 9 years.

@Sergey S.Shared ductwork is a corridor for sound, odours, viruses, pests and a path for the spread of smoke and fire.Separate furnaces would be the best solution.  

Say a landlord puts, "Smoking in the unit is a loss of security deposit/or (insert arbitrary amount here)" in the lease or stipulate to ANY such fixed amounts in a lease.