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. Kate resorts to boiling water on the stove to get hot water for the hotel. Kate goes to see Mr. Guerney at the Pixley Bank. But he has to turn down her request for a loan. 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, Sam, Charley and Floyd a lesson. Mr. Guerney brings Kate some good news. Apparently that old stock she had is now worth something.