These make great gifts for the wife who tolerates my real estate habit.

I know its habitable and all and from what I understand has an abundance of bachelors.

Obviously, sometimes I need more time than others, but developing good habits and a strong routine are a good start to making time for real estate investing.

This guy has stayed out of trouble since at least and hasn't caused more harm and did a good job working for me.

Tough to kick the habit once you get a taste

(Not saying you said that but about to make a point) To some degree, how you said and what words you used may matter but understand that suggesting to a borrower you can help them avoid foreclosure if not properly stated with proper facts around the affects of the actions could cause harm to the homeowner or the homeowner could claim you caused them harm.

But it was pretty scary knowing that some of these people did not have a lot to lose and they could easily come down to my door and cause a great deal of harm to me persoanlly or property wise.

Even though we're licensed, it's still just habit to walk up to every 3-letter combo box and enter OCN or AMN

It MUST be used according to the directions; otherwise it could be harmful and a liability.

Contractors have an odd habit of telling my wife some pretty crazy personal stories that give us a good laugh over dinner.