There is no harm in applying.

The Act also ultimately harms the people it was intended to protect.

You do not need to be an expert on the topic and in fact if you are incorrect, you could be held liable for someone else's decision that was based on the information you gave them if they are harmed in some way as a result of that decision.

You might do yourself more harm than good especially if you they perceive what you're doing as "used car salesmany". 

No harm in seeing what they offer I guess, but I wouldn't sign up for anything. 

So today I recieved a letter on my door as well as all my neighbors saying that they are aware of people indulging in illegal smoking substance.

I think I’ve finally come to terms with taking the harm money approach off the table.

They have financial or substance abuse problemsI find #1 and #4 the most cases.One contractor that does work for me won't send me an invoice for like a month because he is so disorganized.

The good thing about a HELOC is if you don't use the money, no harm, no foul.

Simply swapping out the receptacles from 2 prong to 3 when the circuit itself is ungrounded can harm whatever is plugged into it and potentially cause a fire.