Mike Burton of Slade Mortgage hosts the show this week while Chris is on vacation. He is joined by Cheryl Kramer of Housing Assistance Corp, who talks about the variety of educational programs which HAC offers: budgeting, first time home buyers, reverse mortgages, and foreclosure counseling. Mary Lou Palumbo of the Mashpee Chamber of Commerce calls in to tout the importance of shopping local during this hard winter. Annie Hart Cool of Sothebys talks about the current real estate market as well as the outlook for spring.