These methods are so valuable to use anytime, but especially in the mortgage climate we have now.

The county and central part of the state are booming, with many folks inbound for jobs, climate, etc.

While we live in a political climate that sometimes distorts the financial truth, I am not a believer that their will be an economic downturn based on intel from the business community. 

Taxes here suck and as a cleaning business owner, I can say the business climate is not too friendly either.However, there are still great investments to be had and growing markets within CT, New Haven being one of them.

.**  if the property is in Oakland, CA, the Climate Zone is 3, so the insulation for frame (wood stud) walls should be "20 or 13+5" which means use R-20 batt, blown, or spray foam insulation (if it fits), or use R-13 batt insulation along with a sheet of rigid R-5 insulation behind the drywall.

What is the overall economic climate of your community?

US news and today's world climate for that matter, support my cause for concern. 

However, the best example is that airlines no longer are allowed to ask for proof that a service animal is required.Plus, because the use of service animals have extended so far beyond the previous scope of assistance animals, it becomes a quagmire as you get into situations where diabetics use dogs that can detect an oncoming blood sugar crisis before a blood test; people with seizure disorders have dogs who can detect an oncoming seizure, which medical science can't outside of an MRI/CAT/EMG; and therapy animals used to calm people with emotional &/or psychological disorders.  

Heat has always been needed in cold climates and people always had fire.

Well here it is mid April in NC and if you're familiar with the climate here we have been mowing since early March due to warmer weather.