If any customer feels they've been harmed by my actions, they can call the county and initiate a claim against my bond.

As long as no harm done to anyone else -- who really cares about the lifestyle? 

If it is coded in a black substance then there is a good possibility you have Chinese drywall.

I hate to run him off because he has always paid on time, and despite the wear and tear, he's not harming the house per/say.  

You may want to consider what will happen if the service is not done correctly or on time, and it costs your client money or harms their reputation.for more details see:http://www.insurancejournal.com/magazines/features...

If you have a house under contract and want to assign the contract to an end investor, you'd want earnest money to make sure they were committed to closing.My personal thoughts are what's the harm in earnest money.

. * Deducted $100 in rent twice saying food was spoiled due to refrigerator issues (fixed promptly)* Rejected the contractors being sent by home warranty company thrice saying they were rude and asked for alternate contractors* Told me that they found black widow spiders and were concerned that  the pests could harm their kid .

So it may be a little late for this post, as I am already under contract but I figured what'd be the harm in asking right?

Just depositing causes no harm and incur no tax.

These are the types of debt products you should stay away from as they could harm your credit score.