@Jonathan Cox the way i see it, and i may be crazy, is if your banking on a retirement account to save you when your 60 yrs old, you wasted a whole lot of your life away working for something that won't support you in the end.

So, it’s also my job to show the seller what issues the house has and what needs to be done to the property to get it into sellable condition.

Now is threatening to sue. im not sure how serious she is, however, any advice would be appreciated. thank you

And sometimes people get caught up in the bidding and pay more than a perfect house in move in condition would sell for in that area.

Everyone is happy, though the seller just wants to sell i know shes happy there are no calls in the middle of night and her house is in excellent condition b/c the TB's are treating it as they own it, going through a credit repair program and working with my mortgage broker that specializes in

Even if it were a distressed sale, it depends on the circumstances and the condition of the property.

After working for someone all my life, I have found out that I want financial freedom and independence. 

Good points, also perhaps making it a win/win for the seller with desirable conditions, ie cash offer, closing date etc.

Strong wind gusts and very dry conditions aren't helping with fighting the blaze and trying to contain the raging wildfire that is causing so much damage and grief.Can you imagine, going to the grocery store or visiting a friend down the street, and an hour later seeing smoke a few miles away, not thinking much about it or being very worried about it...but a few minutes / hours later being forced by order to LEAVE NOW and a few hours later you find out that multiple people are considered missing and that almost the whole town was completely wiped out... as if a bomb went off and flatted the entire area..Well, this is very much a reality for people Northern California in Butt County.

Check out my personal favorite, Set For Life by @Scott Trench , or The Total Money Makeover by Dave Ramsey. 3.