DOCSLIB.ORG

City Council Agenda March 2, 2021

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
City Council Agenda March 2, 2021 309 Californa ,cl^93263 Meeting Held In-Person and YiaZoom and Livstream on YouTube. AGENDA REGULAR MEETING SHAFTER CITY COUNCIL TUESDAY, MARCH 2,2021 NOTICE TO THE PUBLIC: Any documents produced by the City and distributed to a majority of the City Council regarding any item on this øgenda will be made available in the City Clerk's Office during normøl business hours at City Hall located at 336 Pacific Avenîle, Shafter CA. In addition, such documents will be posted on the City's website at www.shafter.com. CORONAVTRUS DISEASE (COVID-l9) ADVTSORY To protect our constituents, City officials and City staff, the City requests all members of the public to follow the California Department of Health Services' guidance and the County of Kern Public Health Officer Order for the Control of COVID-l9 restricting group events and gatherings and maintaining social distancing. Additional information regarding COVID-l9 is available on the City's website at www.shafter.com. Consistent with Executive Order N-29-20, in-person participation by the public will not be permitted and no physical location from which the public may observe the meeting will be available. Remote nuhlic na is allowed in the followins please see attached supplement for instructions. TELECONFERENCE NOTICE Pursuant to Executive Order N-29-20 Issued by Govemor Gavin Newsom on March 17,2020 and, to the extent applicable, Government Code Section 54953(b), the March 2,202I City Council Meeting may include teleconference participation by the City Council Members and City staff. Consistent with Executive Order N-29-20, teleconference locations utilized by City Council Members shall not be accessible to the public and are not subject to special posting requirements. CALL TO ORDER: 6:00 p.m. ROLL CALL: Mayor Prout Mayor Pro Tem Givens Council Member Alvarado Council Member Espinoza Council Member Lopez PLEDGE OF ALLEGIANCE: Council Member Lopez INVOCATION: Council Member Alvarado Shafter City Council Agenda March 2,2021 Page2 APPROVAL OF AGENDA: ROLL CALL PRESENTATION: 1 Kem County Public Works Department ofthe Countywide Proposed Increase to the Land Use Fee PUBLIC COMMENT: Those persons wishing to speak on any item included on the agenda, or on any matter within the subject matter jurisdiction of the City Council, are invited to speakfrom the podium and address the City Council. Speakers are limited to five minutes unless additional time is needed for translation. Please state your name and address for the record before making your presentation. COUNCIL ANNOUNCEMENTS AND REPORTS: On their own initiative, Council Members may make a brief announcement or a brief report on their own activities. Council Members may ask a questionfor clarffication, make a referral to staff, or take qction to have staffplace a matter of business on afuture agenda. No formal action by the Council will be taken unless an item is identified on the Agenda. CONSENT CALENDAR: All items on the consent calendar are considered routine and non-controversial by staff and will be approved by one motion if no member of the Council or public wishes to comment or ask questions. If comment or discussion is desired by anyone, the item will be removedfrom the consent calendar and will be considered in the listed sequence with an opportunity for any member of the public to øddress the Council concerning the item before qction is taken. ROLL CALL 1. Approve General Checks: February 18,2021, February 23,2021, February 25,2021. 2. Approve Payroll: February 12,2021, February 26,2021. 3. Receive Treasurer's Report: June 2019 - June 2020. 4. Approve Minutes: February 16,202I. 5. Find the requested action is exempt from the California Environmental Quality Act; and authorize the release for bidding purposes for the 2021 Express and V/est Beltway Construction Project. 6. Find the requested action is exempt from the California Environmental Quality Act; and authorize the release for bidding purposes for the Traffrc Signal, West Beltway at 7th Standard Project. 7. Accept the sewer force main improvements installed along the north side of 7th Standard Road over the Friant Kern Canal, accept the capacity improvements made to the Gossamer Grove Sewer Lift station, and authorize the City Engineer to file Notices of Completion and Acceptance of Work for said public improvements. 8. Find the subject activity is exempt from the California Environmental Quality Act; and adopt Resolution 2783, authorizing the City Manager to Execute Program Supplement Agreement No. F022 REV 1 for Federal Aid Project No. DEMOITL-5281(022). Shafter City Council Agenda March 2,2027 Page 3 9 Approve the proposed change order with Citygate Associates LLC in the amount of $27,040; and approve an amendment to the reimbursement agreement with partner cities: Arvin, Califomia City, Delano, McFarland, Ridgecrest, Tehachapi, Taft and Wasco, to their pro-rata share of $3,380 for each city. PUBLIC HEARING: Should anyone challenge any proposed action which is the subject of a public hearing listed on this agenda, that person challenging any action tqken after the public hearing may be limited to raising only those issues addressed at the public hearing described in this notice, or in written correspondence delivered to the City Council at or prior to this public hearing. I APPROVAL OF ANNEXATION NO. 5 OF LANDSCAPE AND LIGHTING ASSESSMENT DISTRICT NO. LL00l-2015 (TRACT 7346 PIJASE I-III): a request to find the requested action is exempt from the California Environmental Quality Act; conduct a public hearing on the question of ordering annexation No. 5 (Tract 7346 Phase I-ilI); and adopt Resolution 2782, a Resolution of the City Council of the City of Shafter Ordering the Annexation of Territory to Landscape and Lighting Assessment District No. LL001-2015 and Levying Assessments on Land Therein Commencing Fiscal Year 202I- 2022 (AnrrexationNo. 5). (City Manager Gonzalez) ROLL CALL 2. UNMET TRANSIT NEEDS FISCAL YEAR 202112022: a request to conduct a public hearing, and adopt Resolution 2784, a Resolution of the City Council of the City of Shafter Establishing Unmet Transit Needs Findings for Fiscal Year 202112022. (City Manager Gonzalez) ROLL CALL MANAGEMENT REPORTS: 1 PROFESSIONAL SERVICES AGREEMENT FOR 2O2O URBAN WATER MANAGEMENT PLAN UPDATE: a request to find the requested action is exempt from the California Environmental Quality Act; approve a proposal for consulting work for the City's 2020 Urban'Water Management Plan submitted by West and Associates; and authorize the Public Works Director to award a professional services agreement to West and Associates for said consulting work. (City Manager Gonzalez) ROLL CALL 2. SUBMITTAL OF COMMENT LETTER BY THE CITY OF SHAFTER TO KERN COUNTY PUBLIC WORIG DEPARTMENT REGARDING COUNTYWIDE PROPOSED FEE INCREASE FOR ILLEGAL DUMPING: a request to approve City of Shafter comment letter to submit to Kern County Public Work Department regarding Countywide proposed fee increase for illegal dumping. (City Manager Gonzalez) ROLL CALL -l MID FISCAL YEAR 202012021BUDGET UPDATE: a request to receive the Mid-Year Budget Update; approve Resolution No. 2785, a Resolution of the City Council of the City of Shafter amending the Fiscal Year 2020-2021 Operating Budget; and approve the conversion of the new Finance Analyst position into a Building Inspector II position, authorizing staff to amend the position control list. (City Manager Gonzalez) ROLL CALL Shafter City Council Agenda March 2,2021 Page 4 CITY MANAGER COMMENTS AND REPORTS: DEPARTMENT COMMENTS AND REPORTSI On their own initiative, Staff may make a brief announcement or a brief report on their own activities. Council Members may ask a question for clarification, moke a refenal to stffi or take action to have staffplace a matter of business on afuture agenda. Noþrmal action by the Council will be tsken unless an item is identified on the Agenda. RECESS: CLOSED SESSION I CONFERENCE WITH REAL PROPERTY NEGOTIATORS: (Government Code 54956.8) Property: APN 027-060-02 and 027-060-10. Agency Negotiator: City Manager Gonzalez;Negotiating Parties: Ryan Alsop, County of Kern Chief Administrative Officer. Under negotiation: price and terms for amendments to existing lease. 2 PUBLIC EMPLOYEE PERFORMANCE EVALUATION: (Government Code 54957) Title: City Manager and City Attorney. ADJOURNMENT: Pursuant to the Americans with Disabilities Act, if you need special assistance to participate in a City Council Meeting, please contact the City Clerk at (661) 746-5000 at least three (3) days prior to the meeting or time the special services are needed to allow City staff in making reasonable arrangements to provide you with access to the meeting. Any public record, relating to an open session agenda item, that is distributed within 72 hours prior to the meeting is availablefor public inspection in the City Clerk's Office at Shafter City Hall, 336 Pacific Ave., Shafter, CA 93263. This is to certify thqt this Agenda notice was posted at City Hall and Police Dept. by 5:00 p.m., February 26, 2021. Yazmina Pallares, S/5, City Clerk. Shafter City Council Agenda March 2,2021 Page 5 ( I I \ . l) I 309 Californa A Shafter, CA93263 Meeting Held In-Person and YiaZoom and Livstream on YouTube AGENDA SUPPLEMENT REGULAR MEETING SHAFTER CITY COUNCIL TUESDAY, MARCH 2,2021 THE MARCH2,2O2I MEETING \ryILL BE CONDUCTED PURSUANT TO THE PROVISIONS OF THE GOVERÀ{OR'S EXECUTIVE ORDER N.25-20 In order to minimize the spread of the COVID 19 virus, please do the following: 1. You are strongly encouraged to observe the City Council meetings live via YouTube http s ://www..'øoutube. com/user/Cit]¡ofshafter/ 2. If you wish to make a comment on a specific agenda item or public comment, please submit your comment via email by 3:00 P.M. on Tuesday. March 2, 2021 to the City Clerk at [email protected] 3.
Load more

Recommended publications
  • Roadside Dispatch® Auto Rental Collision
    Dependable roadside assistance, 24 hours a day, 7 Your Guide to Benefit describes the benefit ® days a week has never been easier. No membership in effect as of 4/1/17. Benefit information Roadside Dispatch or pre-enrollment is required. Just call Roadside Dis- in this guide replaces any prior benefit patch toll-free when you need them. information You may have received. Please For roadside assistance, call 1-800-847-2869 read and retain for Your records. Your eligibility is determined by Your financial What is Roadside Dispatch? 1-800-847-2869 ~ it’s that easy! institution. Roadside Dispatch is a pay-per-use roadside Note: Customers must pay service provider for mileage over assistance program. The program provides you 5 miles. A secondary unit being towed behind is not included with security and convenience wherever your but can be accommodated for an additional fee. Standard Winching applies within 100 feet of paved or county main- Auto Rental Collision travels take you. tained road only. Current fee for a standard service call is $69.95. Additional fees may apply for winching services Damage Waiver No membership or pre-enrollment is required. No annual under certain circumstances. Service call fees are subject to change at any time; however callers will be notified of pricing dues. No limit on usage. prior to any service dispatch. This program may be discon- tinued at any time without prior notice. Program void where No cardholder wants to incur the expense of repairing or replacing a rented car. But accidents For a set price per service call, the program prohibited.
    [Show full text]
  • Roadside Dispatch®
    Dependable roadside assistance, 24 hours a day, 7 ® days a week has never been easier. No membership Roadside Dispatch or pre-enrollment is required. Just call Roadside Dis- patch toll-free when you need them. For roadside assistance, call 1-800-847-2869 What is Roadside Dispatch? 1-800-847-2869 ~ it’s that easy! Roadside Dispatch is a pay-per-use roadside Note: Customers must pay service provider for mileage over assistance program. The program provides you 5 miles. A secondary unit being towed behind is not included with security and convenience wherever your but can be accommodated for an additional fee. Standard Winching applies within 100 feet of paved or county main- travels take you. tained road only. Current fee for a standard service call is $69.95. Additional fees may apply for winching services No membership or pre-enrollment is required. No annual under certain circumstances. Service call fees are subject to change at any time; however callers will be notified of pricing dues. No limit on usage. prior to any service dispatch. This program may be discon- tinued at any time without prior notice. Program void where For a set price per service call, the program prohibited. provides: 1 Any vehicle with wheels is covered under the program as long as it can be classified as ‘Light Duty’. ‘Light Duty’ 1 • Standard Towing – Up to 5 miles included vehicles are vehicles that weigh 10,000 lbs. or less. Vehicles weighing more than 10,000 lbs. are considered ‘Medium • Tire Changing – must have good, inflated spare Duty’ or ‘Heavy Duty’ and are NOT covered under this pro- gram.
    [Show full text]
  • Life-Changing Lending Economic Forecast
    WINTER 2019 LIFE-CHANGING LENDING ECONOMIC FORECAST Board governance Geoff Bullock Firefly Credit Union State-of-the-Art Technology. State-of-the-Heart Service. Your Possibilities Delivered.TM Financial institutions are getting larger. Companies are merging. Technology continues to rapidly evolve. But you shouldn’t have to choose between technology and service. PSCU delivers the best of both. Our new wave of digital solutions makes it easy for members to personalize their experience, while our long-standing commitment to putting people first makes it easy to personalize yours. What’s the state of your credit union’s solutions and support? Join PSCU today. Payments ▪ Risk Management ▪ Digital Banking ▪ Analytics ▪ Loyalty pscu.com Mobile ▪ 24/7/365 Contact Center ▪ Strategic Consulting 844.367.7728 CUDL-CONNECTED CREDIT UNIONS TAKE CONTROL The CUDL network allows credit unions to tap into the power of indirect lending. CUDL-connected credit unions have total control of their underwriting, as well as local dealer selection. The result is high-performance indirect lending on your terms, letting you focus on delivering outstanding member service while funding quality loans. GET CONNECTED CUDIRECT.COM/CUDLCONNECTED Contents Winter 2019 Volume 85 › Number 4 FEATURES Life-changing lending Credit union lenders find new, innovative ways to reach 22 out to current and prospective members who have crucial needs. Board insights A panel of directors reflects on board best 28 practices and the need for diversity in the board room. Compliance meets technology Keeping up with compliance challenges now requires 34 an assist from technology—particularly compliance management systems. The party’s over 40 Be ready for a general slowdown in loan demand as economic conditions deteriorate and consumer ‘We look at diversity confidence falls.
    [Show full text]
  • Membership Directory Spokane, WA 99201 (Listed by Category) (509) 624-1393 ~ Fax (509) 747-0077
    801 W Riverside Ave, Ste 100 Membership Directory Spokane, WA 99201 (listed by category) (509) 624-1393 ~ Fax (509) 747-0077 www.greaterspokane.org To search for a category or specific member, click the "Binoculars" on the toolbar, or press Ctrl + F on your keyboard, then type all or part of the category name or member name in the Find box. You can also search our online directory at http://members.greaterspokane.org Agriculture Agriculture Agricultural Products Spokane Produce Inc. Craig Higashi, President Adams Tractor of Spokane 1905 S Geiger Blvd Spokane WA 99224 Ryan Blodgett, Store Manager (509) 455-8970 1602 E Trent Ave Spokane WA 99202 (509) 535-1708 Spokane Seed Co. www.adamstractor.com Andrew Fontaine, President PO Box 11007 Spokane WA 99211-1007 ADM Milling Co. (509) 535-3671 Shawn Lindhorst, General Manager www.spokaneseed.com 2301 E Trent Ave Spokane WA 99202 (509) 534-2636 Tainio Biologicals www.admmilling.co.uk Amy B. Becker, VP Sales 12102 S Andrus Rd Cheney WA 99004 BumbleBar, Inc. (509) 747-5471 Glenn Ward, Owner 3014 N Flora Rd, Bldg 4B Spokane Valley WA 99216 The McGregor Company (509) 924-2080 Jason Johnston, Crop Advisor www.bumblebar.com PO Box 740 Colfax WA 99111 Commercial Creamery Co. (509) 397-4355 www.mcgregor.com Michael Gilmartin, President 159 S Cedar St Spokane WA 99201 Washington Grain Commission (509) 747-4131 Glen Squires, CEO www.cheesepowder.com 2702 W Sunset Blvd, Ste A Spokane WA 99224 Dry Fly Distilling Inc. (509) 456-2481 www.washingtongrainalliance.com Don Poffenroth, President 1003 E Trent, Ste
    [Show full text]
  • Business Platinum Benefits PAGE | 2 and Referral Only
    Dependable roadside assistance, 24 hours a day, 7 Your Guide to Benefit describes the benefit ® days a week has never been easier. No membership in effect as of 4/1/17. Benefit information Roadside Dispatch or pre-enrollment is required. Just call Roadside Dis- in this guide replaces any prior benefit patch toll-free when you need them. For roadside assistance, call 1-800-847-2869 information You may have received. Please read and retain for Your records. Your What is Roadside Dispatch? 1-800-847-2869 ~ it’s that easy! eligibility is determined by Your financial institution. Roadside Dispatch is a pay-per-use roadside Note: Customers must pay service provider for mileage over assistance program. The program provides you 5 miles. A secondary unit being towed behind is not included with security and convenience wherever your but can be accommodated for an additional fee. Standard Winching applies within 100 feet of paved or county main- travels take you. tained road only. Current fee for a standard service call is Travel and Emergency $69.95. Additional fees may apply for winching services No membership or pre-enrollment is required. No annual under certain circumstances. Service call fees are subject to Assistance Services change at any time; however callers will be notified of pricing dues. No limit on usage. prior to any service dispatch. This program may be discon- tinued at any time without prior notice. Program void where Emergencies can escalate quickly when You For a set price per service call, the program prohibited. are traveling away from home.
    [Show full text]
  • Budgeting Million Dollar Bill
    Budgeting Million Dollar Bill You just won a million dollars! Write down everything you would buy: Copyright ©2019 Numerica Credit Union. For educational use only. FE_PB 119 Wants vs Needs You just graduated from high school. You’ll be working all summer to save as much as possible for your first year of college in the fall. You’ve already been hired at a local restaurant. They have promised you 40 hours per week, through the summer, with an opportunity to stay on part-time after summer. You’ll earn $12.50 an hour plus $100 in tips every two weeks. After payroll taxes your pay checks will total $1,056 every two weeks. For the summer, you will be renting a studio from a friend of your family until school starts and you move into the dorm. Your rent will be $200 per month, all utilities included, as long as you mow the lawn for them every weekend. You happily agree and decide to make a budget to plan your finances for the summer and fall. First, make a list of needs verses wants. In order to spend wisely you need to separate your needs from your wants. This is an important part of learning to manage your money. Below is a list of items you will be spending money on. Divide the expenses between needs and wants. • Rent • Groceries • Gas • Haircuts • Emergency saving • Entertainment (movies, concerts, bowling, etc.) • Smart phone/plan • Clothing • Car insurance • Car maintenance • First semester books • Unexpected expenses • Eating out • Weekly cash allowance (coffee, small unexpected) • Gym membership • Non-smart phone plan (call & text only) NEEDS WANTS Copyright ©2019 Numerica Credit Union.
    [Show full text]
  • Welcome to Numerica Credit Union's Amazon Alexa Skill
    Welcome to Numerica Credit Union’s Amazon Alexa* Skill The Numerica Skill can provide financial information and process transactions from your Amazon Echo device. Using the Numerica Skill, you can do things like: • Transfer funds from one mapped account to another. • Request an account balance. • Cancel a lost or stolen credit or debit card. Note: You must be enrolled in Online Banking to use the Numerica Skill. If you are not yet enrolled, please contact the credit union for assistance. Terminology The terminology below is used throughout the document: • Account Linking – Alexa skill setup process that handles authentication to another system (like Online Banking) and also sets any preferences, such as email address or phone number. • Alexa – Amazon’s voice control system. This is what allows you to speak to your Echo device and enables it to understand and respond. • Alexa Application (App) – Amazon mobile application that allows you to set up and maintain skills for your specific Echo devices. • Dot – Amazon’s smaller hands-free, voice-controlled Alexa device. • Echo – Amazon’s hands-free, voice-controlled Alexa device. • Invocation name – A phrase which lets Alexa know that you want to perform a task in a particular skill. This is similar to opening the program on your computer. • Tap – Amazon’s wireless Alexa device. The Tap requires you to press a button to make a request. • Skill – A skill is a specific group of tasks that have been added for use with an Alexa device. It’s a little like installing a program on your computer. Adding the Skill to Your Mobile Device The Numerica skill requires enrollment.
    [Show full text]
  • Budgeting PRESENTED BY: NUMERICA CREDIT UNION START at the BEGINNING MONTHLY INCOME & EXPENSES
    budgeting PRESENTED BY: NUMERICA CREDIT UNION START AT THE BEGINNING MONTHLY INCOME & EXPENSES BUDGET CHECKLIST Not sure where all of your money is going? You’re not alone! Only 1/3* of American households budget! Before you can start living on a budget, you need to see where you stand financially. Here is a checklist of items that will help you get a better idea of your financial health. Current Income Your NET (take-home) income: $ Your partner’s NET (take-home) income: $ Additional income (rental income, additional job(s), child support etc.): $ Total Monthly Income: $ Current Monthly Expense Categories Utility: $ Cell phone: $ Internet/TV: $ Car payment(s): $ Credit card(s): $ List of subscription(s): $ Mortgage/rent: $ Student loan(s): $ Insurance: $ Medical bill(s): $ Childcare: $ Other: $ Total Fixed Monthly Expenses: $ Additional Monthly Expenses that you will need to estimate Gas: $ Kids (ex: sports/activities): $ Education (tuition): $ Home Improvement: $ Food (groceries): $ Pets (food/veterinary care): $ Entertainment (eating out): $ Personal Care (grooming, gym Laundry/Cleaning Products: $ memberships): $ Charitable Donations: $ Taxes (business owner): $ Medication/Prescriptions: $ Clothing : $ Other: $ Total Additional Monthly Expenses: $ Copyright ©2019 Numerica Credit Union. For educational use only. *Source: Gallup’s annual Economy & Personal Finance Survey 2013 2 CU_B 0619 START AT THE BEGINNING SAVINGS DON’T FORGET TO TRACK YOUR SAVINGS It is important to include paying yourself first when creating a budget. This can mean starting small, with a $1,000 emergency savings fund, but we ultimately encourage you to build your savings to cover three to six months’ worth of living expenses. From there, you can build to include a range of savings goals like a: college fund, retirement/401k, or vacation.
    [Show full text]
  • PRIVACY POLICY [Revised 5 / 14] WHAT DOES NUMERICA CREDIT UNION FACTS DO with YOUR PERSONAL INFORMATION?
    PRIVACY POLICY [Revised 5 / 14] WHAT DOES NUMERICA CREDIT UNION FACTS DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share Your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires Us to tell You how We collect, share, and protect Your personal information. Please read this notice carefully to understand what We do. What? The types of personal information We collect and share depend on the product or service You have with Us. This information can include: Social Security number and income account balances and credit history payment history and credit scores How? All financial companies need to share customers' personal information to run their everyday business. In the section below, We list the reasons financial companies can share their customers' personal information, the reasons Numerica Credit Union chooses to share, and whether You can limit this sharing. Reasons We can share Your personal information Does the Credit Union share? Can You limit this sharing? For Our everyday business purposes - such as to YES NO process Your transactions, maintain Your account(s), respond to court orders and legal investigations, or report to credit bureaus For Our marketing purposes - to offer Our products YES NO and services to You For joint marketing with other financial companies YES YES For Our affiliates' everyday business purposes - NO WE DON'T SHARE information about Your transactions and experiences For Our affiliates' everyday business purposes - NO WE DON'T SHARE information about Your creditworthiness For non-affiliates to market to You NO WE DON'T SHARE To limit Call (800) 433-1837 Our Please note: sharing If You are a new member, We can begin sharing Your information 30 days from the date We sent this notice.
    [Show full text]
  • Identity Theft – When Someone Uses Your Personal Information to Mimic You
    $tarting Off RIGHT Numerica’s Financial Education Program $tarting Off RIGHT Numerica’s Financial Education Program No part of this educational workbook may be reproduced, translated or transmitted in any form, by any means, electronic, photocopying, recording or otherwise, without prior permission in writing from the copyright holder and publisher. Published by Numerica Credit Union – Spokane Valley, Washington. www.numericacu.com A note from your Financial Education team It is often said that you will always have a relationship with money, so you might as well make it a good one. Through the lessons that are learned in this course, students will gain the financial tools to help them lead a successful financial life. Numerica is committed to fostering well-being, and that starts with financial education for our community’s kids. Let’s start the financial conversations today, so youth have a positive relationship with money for tomorrow. Questions? Comments? We want to hear from you! KATIE SCOFIELD Financial Education Officer [email protected] 509.340.6300 Table of Contents Pages 7-12 S.M.A.R.T. Goals An introduction on how to make goals that are S.M.A.R.T. (specific, measurable, attainable, relevant, and has a time frame to be achieved). Pages 13-22 Budgeting Budgeting is tough. If we learn good habits when we’re young, we’re more likely to stick as adults. You’ll learn about creating a real budget based on a real income. (And maybe get a sneak-peek into your spending habits!) Pages 23-50 Credit You’ll learn about the good and bad sides of credit.
    [Show full text]