When clients start to ask me to "sharpen my pencil" regularly, and I know my prices are in line for the scope of work and quality I give them, it starts to make me feel unappreciated and slightly taken advantage of and they soon become former clients.

Get a good accountant who has significant clients who are real estate investors and/or small business people.My accountant is no longer local to me, but he used to be in NH and travels regularly to NH and MA.

I am obviously getting regular fire insurance, but what about liability insurance?

You might want to talk to a company who deals in hazardous situations and clean up like chemicals as well as body clean up, such as after a person's death on site.

Make sure it has enough oomph and drilling mode.Battery sawsall is useless if you do demo, and the circular saw I quickly replaced with a corded one.Definitely get regular screwdrivers.

I definitely don't look active anymore with a huge winter beard, but I just pull out my regular driver's license and the military ID card side by side so they can see my name on both and have never had an issue--even when they have to get manager approval because the discount was over $50.

Even our primary is only in her name, she reminds me regularly!  

If they intend to finance the house chances are a regular mortgage company will not qualify the house but let them work out how they will finance the house themselves. 

We have some skin in the game now but it doesn't seem like the bank will give us a line of credit unless we show some " regular income".  

I think it's worth mentioning that you can put tile over plywood but it might not hold up as well and I would use polymer-modified thinset instead of regular thinsetI also skip underlayment on laminates that don't have underpad attached because I don't see much added value in the underlayment