Richard Trethewey installing a sink at the Billerica TV Project from 1999
Photo: David Carmack
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20. Buy the right insurance

The owner of the 1999 Billerica house, Dick Silva (Tom's brother), had suffered a disaster when his house burned down. But thanks to advice he'd received from a good agent, he was covered by a "full replacement value" policy on the house and its contents, as opposed to "cash value," which is calculated based on the depreciated value of items lost. A replacement policy provides adequate funds for a proper rebuild, and it's only a bit more expensive to carry.
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