There are some grant programs to reduce energy consumption that may make sense to perform certain improvements sooner.

Such a large percentage of our budget goes to welfare programs that we should cut those and our tax rates would drop.

@nickgrisanti what system/program do you plan to use to track results?

The Norris Group has been making a big push in that direction but I am a little too far our for The Norris Group (eastern Kern County) but I am hoping to find a lender in Bakersfield or southern central valley with a similar program.

That was because some government program (possibly the Veterans Admin) didn't count prepaid rent as an asset when determining whether he was eligible for services, but cash in a bank account was counted.

Are you following links in RSS or e-mail messages in your Mail program?

Should I do this through a bokerage firms training program or should i explore the courses myself?

Smart guy, younger, and has his undergraduates with honors used to have a day job as an analyst doing computer heavy work and some programming.

This could be because they think it won't be that hard to get caught up, believe the bank will work with them to refinance etc, or are currently doing some sort of program that is a loan modification.

I find on smaller loans the national banks like Wells just do not have the best programs for small balance stuff.