I picked them bc the credit card and mortgages reported.

It seems you have your seasons a little bit off: February is a slow month for Sedona and March is when things start to pick up.

It would seem logical that enrollment will pick back up again now that we're operating under a budget.

Law students and lawyers have to pick it up along the way.

I am thinking about picking up my Private Money Broker certification, as way of adding an additional stream of income, but I want your advice if you feel the certicication is worth the effort?

For example we paid for designer that made multiple errors including one that we caught too late and pushed the schedule (but designer picked up the cost impact but not the schedule impact).  

Pick a subject/day of the week and we'll give it a go.

The IRS specifically is looking for people misusing that rule since it's such "easy pickings" for them. 

I said no then called Sack and he no longer pick up the phone.This whole thing leaves a bad taste in my mouth.

My response to this is if the individuals are hesitant to invest in the first place, the likelihood of that same individual waiting to invest later and then pick an investment with a higher risk profile (which often comes with investments that yield higher returns) is possible, but maybe not as likely.