©2015 Bloomberg News NQD85Z6K50YG (Bloomberg) — Labor productivity would dwindle as workers wilt in the heat. Summers in Illinois would feel like a Louisiana swamp. Epic downpours and surging seas of the future would leave $5 trillion in losses. And worsening air quality would result in 57,000 premature deaths in

The most significant distinction is that a vacation home is a financial investment. A timeshare isn’t one of them. When you buy a vacation house, you are purchasing the entire property. You have the option to sell, rent, upgrade, and live in the house whenever you choose. If you decide to sell, you’ll almost certainly make a profit. A home also necessitates a higher initial investment. Because you won’t be living there all year, you’ll be paying for empty space (unless you choose to rent).