First mortgage is $575.00 and the second is about 200.00.

Your father taught you how to drive in most cases.

So when I do work on the properties I will be an employee of the second LLC and covered.On the other bright side of it if I don't have work for my employee I can sub-contract him/her out to other contractors.

Short (or buy) the second for pennies, and create your equity there.

Second and most importantly, you are losing the power of leverage.

HSA's do require a high deductible insurance plan, as to paying for a second in addition to the one provided by your employer or switching is something you should verify with your financial advisor or by looking up the HSA guidelines on qualified insurance plans.

It's not about big houses, boats, planes, and cars, jewelry, fur coats, and trips around the world-- though I've had and done my share of all that-- it's about going to sleep at night knowing that if I don't wake up, my family has fond memories of me, that I was there for them while I could be, and that the last thing they have to worry about amid the trauma of losing a husband and father is money.

I second 1and1.com.

My second question is, what do you do when the seller has a real estate agent?

Make sure that everything you do between you and your father is in writing.