Unfortunately this is not the career I imagined for myself and am looking to maximize my potential.My goal is to live a modest lifestyle and direct my efforts towards a meaningful social cause. today I will embrace the resources shared on this community and tomorrow hopefully I can join the ranks of those who contribute here!

You are the one getting a debt for 30 years, not the guy asking your $$Embrace the challenges, they are huge opportunities to learn and get better at it.

Youtube would really embrace it!

I said I have an umbrella insurance already as well as a living trust and they said that those are still very penetrable but what they have is absolutely not penetrable mainly because it is a third party entity and not tied to your social security. 

I said I have an umbrella insurance already as well as a living trust and they said that those are still very penetrable but what they have is absolutely not penetrable mainly because it is a third party entity and not tied to your social security.

More sanding means you get closer to the original wood color because stains only penetrate so far. 

Water based sealers are far inferior to oil based as far as lifespan and penetration.

And as Greg pointed out concept of owning is just not something I think these folks embraced or even dreamed of.. 

They replace them with those that embrace the system and make money.

You'll have to accomplish something like this is phases, where perhaps you cut back the existing joists to a point, to allow you to get the existing rim joist out and slide a new one in, before taking the entire existing joists out.Don't forget though that the further you cut your joists back from the load bearing wall that sits on top of the rim joist, the more risk of that weight not being properly supported exists.Also, keep in mind that now-a-days you have to use something called SILL SEAL which will help water penetration up on the sill plate (you haven't mentioned this but this is usually the board that sits right on top of the masonry/sill).Also, FIX the ROOT CAUSE (water penetration) of the issue!!!!!!!!!!