[Cliff]

Add to all the other expenses you have read about, (1) your annual contract for termite protection and (2) your quarterly contract for having your airconditioning and heating system maintained. It is like having extra insurance to protect you against loss of some very expensive equipment and your basic home. People sometimes go without these two items but it really not a good thing to do. If and when you ever decide to put your house up for sale, nobody wants to buy a home that has not had these contracts. Would you want to take a chance? :bigthumbsup: