. $70k duplex, with the cost of mortgage I'll make just a pinch over the requirements and put a few bucks into my pockets.

Now that you're in a pinch, sell that house and your daughters can either rent or buy their own house like the other 99% of us do.

. :-)And I still pinch myself every now and then when i think someone like me owns 68 houses.

I hold nothing against you or Ryan (who was my Investment Counselor), I was treated very well by both of you and have extremely positive sentiments towards your generosity with the Goodwill Credit extended towards me when the initial pinch came along.

I follow the advise of calling someone and keep them on the line or keep their voice male on the line in a pinch.  

That sounds daunting to me as they'll probably see you are in a pinch. 

Insulation gets pinched here allowing minimal insulation depth.  

I'm only 24 years old and have yet experienced a recession first hand so when I make points just take it with a pinch of salt and please don't take any offence to it.

The silver lining is knowing that these pinch points can be springboards for further growth if you frame them correctly and act on them appropriately.

So, in a pinch, he helps me out.