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	<title>StepWise Utility Advisors &#187; financial planning</title>
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	<description>financial guidance that makes a difference</description>
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		<title>WIFIA What? The Newest Water Financing Proposal to Congress</title>
		<link>http://www.stepwiseadvisors.com/wifia-what-the-newest-water-financing-proposal-to-congress</link>
		<comments>http://www.stepwiseadvisors.com/wifia-what-the-newest-water-financing-proposal-to-congress#comments</comments>
		<pubDate>Wed, 18 Jan 2012 23:16:10 +0000</pubDate>
		<dc:creator>Jason Mumm</dc:creator>
				<category><![CDATA[Aging Infrastructure]]></category>
		<category><![CDATA[Bonds and Debt]]></category>
		<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[Rates]]></category>
		<category><![CDATA[affordability]]></category>
		<category><![CDATA[cost of capital]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[financing]]></category>
		<category><![CDATA[infrastructure replacement]]></category>
		<category><![CDATA[sewer rates]]></category>
		<category><![CDATA[water rates]]></category>

		<guid isPermaLink="false">http://www.stepwiseadvisors.com/?p=2760</guid>
		<description><![CDATA[Frequent readers of our blog will know that we often discuss the gap that exists between the need for capital investment in the water/wastewater sector, and the availability of both the necessary capital as well as the ability to repay debt.  Indeed, our most recent blog post, Water Rate Affordability (Dec. 26, 2011), presents a [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Is the Infrastructure Bank a Real Solution for the Infrastructure Gap?</title>
		<link>http://www.stepwiseadvisors.com/is-the-infrastructure-bank-a-real-solution-for-the-infrastructure-gap</link>
		<comments>http://www.stepwiseadvisors.com/is-the-infrastructure-bank-a-real-solution-for-the-infrastructure-gap#comments</comments>
		<pubDate>Tue, 13 Sep 2011 17:31:01 +0000</pubDate>
		<dc:creator>Jason Mumm</dc:creator>
				<category><![CDATA[Aging Infrastructure]]></category>
		<category><![CDATA[Bonds and Debt]]></category>
		<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[affordability]]></category>
		<category><![CDATA[elected officials]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[infrastructure replacement]]></category>
		<category><![CDATA[sewer rates]]></category>
		<category><![CDATA[water rates]]></category>

		<guid isPermaLink="false">http://www.stepwiseadvisors.com/?p=2702</guid>
		<description><![CDATA[So much has been said about our nation&#8217;s failing water infrastructure that another blog post would hardly do the topic justice.  We&#8217;ve done plenty of them here already (here, for example).  There have been many who have done well to help us identify the problem, and the problem is an imminently solvable one.  We know [...]]]></description>
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		<title>Alabama Bankruptcy Offers Insight to Affordability of Water and Sewer Bills</title>
		<link>http://www.stepwiseadvisors.com/alabama-bankruptcy-offers-insight-to-affordability-of-water-and-sewer-bills</link>
		<comments>http://www.stepwiseadvisors.com/alabama-bankruptcy-offers-insight-to-affordability-of-water-and-sewer-bills#comments</comments>
		<pubDate>Fri, 12 Aug 2011 01:12:56 +0000</pubDate>
		<dc:creator>Jason Mumm</dc:creator>
				<category><![CDATA[Bonds and Debt]]></category>
		<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[affordability]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[financing]]></category>

		<guid isPermaLink="false">http://www.stepwiseadvisors.com/?p=2387</guid>
		<description><![CDATA[We&#8217;ve said before that affordability is going to be one of the primary challenges faced by water and sewer utility managers in the coming years (Why Affordability is the New Challenge for Water and Sewer Utility Owners, July 2010).  The story that is unfolding in Jefferson County, Alabama (home to Birmingham) sheds some light on [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>StepWise Releases Free 5-Point Checkup</title>
		<link>http://www.stepwiseadvisors.com/stepwise-releases-free-5-point-checkup</link>
		<comments>http://www.stepwiseadvisors.com/stepwise-releases-free-5-point-checkup#comments</comments>
		<pubDate>Tue, 09 Aug 2011 19:56:58 +0000</pubDate>
		<dc:creator>Jason Mumm</dc:creator>
				<category><![CDATA[Announcements]]></category>
		<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[financial planning]]></category>

		<guid isPermaLink="false">http://www.stepwiseadvisors.com/?p=2383</guid>
		<description><![CDATA[We are glad to announce today that we&#8217;ve released a free service from our website that will allow water and sewer utility managers to receive a free 4-page report of their utility&#8217;s financial health. Our free 5-point checkup will give you a broad overview of your financial position in direct comparison to median benchmarks from [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Best Summary of Plight of Small Utility Systems</title>
		<link>http://www.stepwiseadvisors.com/best-summary-of-plight-of-small-utility-systems</link>
		<comments>http://www.stepwiseadvisors.com/best-summary-of-plight-of-small-utility-systems#comments</comments>
		<pubDate>Mon, 08 Aug 2011 18:03:58 +0000</pubDate>
		<dc:creator>Jason Mumm</dc:creator>
				<category><![CDATA[Aging Infrastructure]]></category>
		<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[Rates]]></category>
		<category><![CDATA[affordability]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[infrastructure replacement]]></category>
		<category><![CDATA[sewer rates]]></category>
		<category><![CDATA[water rates]]></category>

		<guid isPermaLink="false">http://www.stepwiseadvisors.com/?p=2363</guid>
		<description><![CDATA[Readers of this blog know by now that the financial impact of water and sewer infrastructure needs in local communities is a big one.  For moderately sized utilities, the impact is big enough, for very small utilities, the impacts can be completely unmanageable as seen in the below linked article from The News Star in [...]]]></description>
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