A key component of financial independence is proper stewardship of your resources.

If the latter, then don't pay the balance due.

Too much money involved with these things not to have checks and balances in place to catch that.

I would have to speak with the contractor (check references and license) who will be doing the install to ensure that it will be installed properly as well as check into local laws regarding the upgrade, does it automatically become part of the property or when the tenant leaves will they want to remove the granite countertops because they paid for it.

similar to a debit card, but they cannot take money out of our (business) account or see the balance.

You don't know if the letter get read or even get to the proper party.

If you paint over it and someone ends up having respiratory problems, and then finds out there was mold in the house and you didn't investigate it and treat it properly, you can be sued.

List your debts from smallest to largest based on their total balances and then pay off the smallest loan.

As a parent, it's a delicate balance.

They allow 30 days to pay balance if I'm the high bidder.