Lastly, I started doing this with all of my crews but each person on site must sign a hold harmless agreement that they are responsible for insuring their own bodily harm and are responsibly for caring their own insurance. 

Absolutely no harm in considering opportunities outside of the US.

It will last practically forever, cleans easily, pet stains will not harm it, it cannot be burned, if cracked can be repaired easily if you saved extra tiles, flood events (toilet overflow for example) will do little damage, etc.

Helping others is NEVER unethical, in my opinion, as long as you don't harm anyone else in doing so.

During audits, the IRS tends to look at the substance of an issue in addition to the form.  

Sometimes situations like this result in a tenant change as soon as it can be done without harm to you.

That being said, I have never denied a colleague request - what harm could approving a colleague request possibly do to a member?

But, no harm in viewing it too, right?...

Most importantly, you have strangely rationalized bizarre reasons to give your personal information out and could have already harmed yourself and your family.

A lower price doesn't harm your seller unless the lender is going to pursue a deficiency.