Bob,

Ever thinking for working for a large facilities management company like a CB Richard Ellis. They have a ton of commercial properties all over the place. They manage the property where I work, seem to retain their HVAC staff, Electricians, etc. for years and I think compensate them decently. May be another option to check out aside from plumbing contractors.

Your boss must be named Pinnochio after giving you the insurance bump/sealt belt violation nonsense.

My plan is to become a trade school teacher in the near future. I have to find out all the details. but I need to do what I can do best :teach/fish

Raven has a good point,do whatever you can to LESSEN your stress level.And this is no time to be a nice guy.He's shown you what kind of guy he is.Turn the tables on him if you can.No guilt involved.And if you have to take a layoff just tell your wife to deal with it.She'll be OK,believe me.This is how I would deal with it.The best thing is that you are an excellent worker with an extremely marketable skill set and you will do well IN THE LONG RUN.I hope this helps.