That said, what is better than bonding over a tile floor or with a paint brush?

We still sign a contract, he would provide a receipt for all the disbursements, and he says his license, bond, and insurance will still take effect for the project.  

Acceptable Sources of Reserves Checking or savings accounts Investments in stocks, bonds, mutual funds, certificates of deposit, money markets funds and trust accountsThe amount vested in retirement savings accounts Cash value of a vested life insurance policy Certain assets must be “discounted” when used for reserves.

If he is not on title then you would need a Developers license along with a bond and insurance..

I tend to play a little more on the conservative side when it comes to investing (stocks/bonds).

Here are my current holdings: $28K in Money Market Savings $13K Roth IRA $10K in Wealthfront (90% stock / 10% bonds) $3.5K in Betterment (90% stock / 10% bonds) $46K in Fidelity Rollover IRA - Me $20K in Fidelity IRA - Wife No debt.

The State of California allows anyone that wants to to go online and steal our contractors and brokers license numbers, bonding company information, etc.

in a crazy strong seller's market, you want to do whatever you can to strengthen your offer. 

Wall St. brokerage firms sell stocks, bonds and mutual funds only. 

Originally I'm from Germany but moved to Silicon Valley to work as a Software Engineer.About a year ago I was looking at my investments and realized that I want more diversification than just stocks and bonds could offer me.