& they just don't get it.".....Roughly three-quarters of Americans are living paycheck-to-paycheck, with little to no emergency savings, according to a survey released by Bankrate.com Monday.Fewer than one in four Americans have enough money in their savings account to cover at least six months of expenses, enough to help cushion the blow of a job loss, medical emergency or some other unexpected event, according to the survey of 1,000 adults.

So she earns interest on Uncle Sam's money.

Michael Siekerka & Sam Craven thank you both for your response and advice my appreciate In terms of your point Mr.

..here is 5gallons of american finest flat and you tell me how much you want to paint the whole crib. if I start paying an hour rate .. all of them suddenly will become very slow. in general I provide material and ask for skill/labour. first question is : how soon can u get it done = X, second question is how much =Y. then do this in ur head Y/X and u get ur hourly rate ...which in some cases make a lot of sense in some cases I smile and tell them to beat it ..

Awesome, Sam!

If you die without a will and have no family, an administrator is appointed to dispose of assets to pay debts, unsold assets then go the state.That daughter could will her estate to local humane society who would then probably get an attorney, have that note sold and you'd still be paying it until it's paid off or someone foreclosed on you.She could die any day, I doubt she'd go for any termination upon death and besides, you'd owe uncle sam for the forgiveness of debt, that could be next year.Let's not get creative, negotiate terms without balloon payments as those are default opportunities for her, she's been around the block a few times I'm sure!

Sam Craven are you doing this for wholesaling purposes or is this for your own investment opportunities?

Hey @Sam McPeek great question.

Make Uncle Sam the enemy and both of you on the "same team".

Cynthia Franklin Sam Craven Bala P.