Research shows that when a low-income family moves into a new home, the kids' grades go up.

We have home repair loans available to very low income families. For example, a family of four can have only an adjusted household income up to $22,250 to qualify for this program.

If your eight times income is half a million dollars and you have two kids, you'd add another $200,000, so you'd have a $700,000 policy. That sounds like a lot, but when it's term insurance it is actually cheap.

Baby boomers have disposable income. The younger audience doesn't have that disposable income. Kids just can't afford it.

This agency has arisen the last few years to meet the need of low income kids who need a place to go to participate in activities that a lot of kids have available and otherwise may take for granted.

It was such a great thing for the kids. They came from all backgrounds, all different income levels and by the end of the session it was like, arms around each other singing camp songs.