Quote from @Dave Halevi: I don't need to justify my actions, and u better not be so judgemental about different investment strategies 🤷People like you can put other people in harm's way.

I try to be cordial and brief, but his issues have become increasingly bothersome.He now believes he is the victim of a serious crime, often calling to tell me the police are coming over (which they never do), or asking if I see a specific car on the street because he fears they are there to harm him.

The studies being released show how different industries appear to be increasing their profits with hidden or bogus fees that can harm consumers and companies that have honest business practices. 

You should certainly start the process earlier than maturity, especially at the very least within a couple months of the maturity date - there can always be things that cause delays and pushes and even missing the maturity date by a couple weeks can have harmful consequences (since it will technically be a default / missed payment even if the lender is OK with it).Also, commercial loans even with the strictest prepayment protections / lockout periods will almost always have at least a 3-month open period prior to the Maturity Date

It's also great for the customer as a part time Realtor does more harm than good.I've sold real estate in Minneapolis - Saint Paul, Austin Texas, bought a lot in Louisville KY and am also currently licensed in Florida.

That said, I see no harm in disclosing your former license especially if you believe you may become licensed again.

.- No Reviews: As hosts we can filter out potential harmful guests using reviews.

The real question is what's the harm of grouping?  

Text can be difficult to interpret I truly meant no harm and came here only for a discussion.)

(for us Humans anyway)  "Direct" sunlight is harsh and can cause harm.