For SD_IRA funds I like your notes strategy you mention where it throws of interest income that is not so tax efficient.Study the niches, find the respectable sponsors and get to work placing your money carefully and patiently into these areas.

In any case, there's no harm.  

If you state "No commercial activity of any kind" and you let someone operate a home office in their unit no harm no foul.

So, they couldn't try to 'get the deal for less/more' as it would harm the other party.

Risking other people's money might be ok however I wouldn't do so without the money person having enough exoerience and expertise to keep you both out of harms way. 

The ringtones sound too similar, so I'm thinking for my non-work / real estate phone, I need to change the ringtone to a song, or some other saying that will be different that would not be offensive if heard in the work place, but would be an easy enough clue that my brain can tell immediately whether it's my work phone or the real estate phone.Long story short, give me cellphone ringtone suggestions to make sure I become 100% successful in everything I do.Or just tell me about yours.  

The other option is to include an addendum in your original purchase and sale agreement, where you have an out with no harm done on either parties side.

If you pay for this, you'd be setting yourself up to get hosed (pun intended) It will cost you waaaaayy more than you think and you'd be harming the environment because they'll be wasteful with their water use.Were doing the opposite : B/C our buildings only have one meter, We implemented a RUBS water billing system (google it) per occupant and now each tenant pays their fair share.

No harm in learning.

It seems that his fear of Obama is getting worse, and I am afraid that harm might come to some of your fellow socialist brothers.