Chad occupies a property along the coast as his primary residence. Chad later loses his job and begins to have a difficult time budgeting his mortgage, property tax payments and maintenance costs. Chad makes property tax payments twice per year. What is the latest date Chad can make the second property tax payment before it is late?

California’s fiscal year runs from July 1st to June 30th. Property taxes are generally collected in two equal installments. The first installment for July 1st through December 31st is due on November 1st and becomes late after December 10th. The second installment for January 1st through June 30th is due on February 1st and becomes late after April 10th.