Live and Learn, Bob- glad the caboose is OK! MY wife and I could have gone on many, many nice week-long cruises for what we have spent on tree work in the last 15 years. We sold our house in Indiana in 2009 and I was glad, because it had 6 large ash trees and I figured it was only a matter of time before the emerald ash borers invaded Indianapolis and the dead trees would have cost us $10,000 to remove, due to them being close to our home.
In 2008 we had our first open house and a freak 70 mph gust of wind from the remnants of hurricane Ike broke off the top half of a 50ft tall pine tree right across the front yard- that was the end of that open house.
Florida trees and palms have cost us over $5000 in 7 years in tree trimmer work. I have gradually fallen out of love with my coconut palms and queen palms. - and Cuban Laurel ficus trees- avoid them at all costs. The Realtor incorrectly called them huge oaks-- haha

The biggest cost me $3000 to get cut down- the other one in my back yard needs to go soon- before the roots destroy my house foundation.
I do save money though, on driveway snowplowing.