Show 1 - Working Your Way Through the Current Climate

      I am not a financial expert,although I do have 24 hours in accounting,am an active stock trader and have an MBA in

Finance & Investments.  However, was reading the Bostion Globe today and the article was all about the large banks

loans declining from last October to this October,even with al the federal money. CIT Group who finances retail busineses

just declared bankruptcy. The article told a story about a small businessman being turned down by B of A, but got a loan

from a small community bank that did not take public money. That bank had acted responsibility and still had money to

lend. They also suggested that small businesses apply to credit unions to become a member because credit unions

made very conservative loans to their members and never engaged in mortgage bundling. Most of their loans were for

cars,boats and houses but were far more conservative in their loan practices.  I belong to 2 credit unions. I may join a

third.

           Also spend a lot of time investigating  http://www.grants.gov .