one person, a nervous posible investor, could not have raised this cluster F.did i mention i was due 10-10-06............40kThis investigation better have went by the book..........hang on,MY HEART AND CHEST SEEM TO BE CONSTRICTING......

Giving a commission based sales person a fiduciary duty to a client who may not need a transaction is just not a good system. 

As staunch a "pay your debts" person as I am, even I would have to think about whether to keep this one.

How do you scale up when you're one-person + a team of allied pros?

It can be life insurance and some other person as guarantor for payment.

This would be great simply because you can easily send this one person a single email and refer to something in your notes to make it more personable.

I can honestly say that after 12 years of business and 1000's of transactions (non REI) I have NEVER encountered a person as angry at the world as this neighbor lady.

And let's not even touch on "Financial "NON" Advisors" which is like calling an insurance sales person a "disaster mitigation advisor". 

If your friend doesn't manage the first round of funds well and pay with no issues then you can simply stop the next round of funding and not take as big of a loss.Business is business regardless of the friendship and if anyone is trying to get money from you without a written business agreement and security I wouldn't call that person a friend at all but trying to take advantage.No legal advice.   

One is that I live in a very small town and detached from some of the "clubs" and other opportunities to get to know other investors, and Secondly I read that, as in any relationship, it's important to give to the other person as opposed to always taking.