One other thing is the economics of the transaction reflect that you are paying the mortgage, and the Treasury will fall back on a widely used doctrine - substance over form.

Since you contributed nothing of substance to this post I guess you and Ramit Sethi have that in common as it relates to this post 2.

If it's love for your sister that makes you want her as a partner, give this a thought: if you have a dispute, will you be able to settle it without harming your relationship?

The reason this can be significant, is that it could harm the public.

The state closed it due to the number of victims of FRAUDS AND SCAMMERS harming the public.

If your client suffers harm from your "advice", you may have some issues.

Calcium chloride is recommended instead for de-icing, and is not harmful to the masonry."

There's no harm in trying to get the house for a cheaper price.

Had a dog in it and car smelled heavy smoke and some substance ;) Needless to say I passed.

Her rudeness is about her, not you; don't let it get to you and you've freed yourself of the problem.Now if it's not  just about style but also substance--I.e., she's blowing up your phone with repeated trivial repair requests--that's a different story.