Uncle Joe mentions investing in the stock market and Kate reminds him about the bad stock he had her invest in once before. Meanwhile, the hot water heater in the hotel springs a leak. They'll need to buy a new one. Joe suggests selling stock in the Shady Rest Hotel Corporation to pay for it. Sam is willing to sell Kate a heater at cost for $97.50. Kate doesn't have that much. She also gets turned down for a loan at the Pixley Bank. Joe sells stock to Sam, Charley and Floyd to cover the cost of the water heater. They do this because they know Kate wouldn't accept a loan from them. Kate is not happy and still considers it charity. She comes up with a plan to teach Joe a lesson. Mr. Guerney, from the bank, brings Kate some good news.