What happens is chlorine burns off and other chemical levels go lopsided in the hot months. 

I’ve been working since 16 (Wendy’s , McDonald’s, Kroger, pool chemical company).

Haven't received a hint of any real substance yet as to what your mission is getting or not getting a degree @Nicholas Patrick.  

Yes, interest only loans can work, but that is a different strategy I refer to as a form of "cash like substance".  

It's hard to find the substance you're looking for on a best seller list.

The Mr. was arrested over the weekend on a Domestic Violence and a possession of a controlled substance charge.

yes, some people (who run it as a full time business) do well, just as some people who run automotive manufactures, chemical plants, and construction companies do well.

Many had histories of substance abuse and, unfortunately, ended up homeless after having run through the good graces of every family member.  

So far have been suggested Bobbie King of Fairway, Sean Huss of Chemical Bank, and Matt Slater from Northpointe Bank.Through my initial interviews they seem all very capable, helpful, and knowledgeable. 

Did you have anything of value or substance to add that might help the OP?