Years ago, Micro Loans were sold as a way to life people out of poverty in third world nations.  Now $219 Billion dollars in Micro Loans are outstanding with over 140 million borrowers.  Jeff, Bill, and callers discuss the role of micro loans and how they became more like Pay Day loans than traditional lending vehicles.  What went wrong?  

Then it's a conversation with Tom Haines of 1st Choice Windows and Siding.  How can new windows and siding save you $ on your energy bills?