May 30

You’ve been making monthly mortgage payments for so long that the checks almost write themselves.

But have you become financially complacent, failing to consider ways to decrease your payments or overall debt?

Here are 5 secrets to paying off your mortgage in the shortest possible time.

1. Get a Mortgage “Tune-Up”

You take your car to your mechanic several times a year to keep it in optimum running condition. The same principle applies to your mortgage, according to Ron Chicaferro, president of Thornburg Mortgage Home Loans, based in Santa Fe, New Mexico.

“Homeowners really need to do a mortgage ‘tune-up’ at least once a quarter,” he says. “To be a savvy homeowner today means more than just locking in a low-interest rate. Borrowers need to know if they’re paying too much for security they don’t need and if their lender is charging them unnecessary fees. When it comes to saving money, it pays to know when it’s right to refinance and to ask lenders about innovative mortgage products that can reduce monthly payments. There’s nothing like a mortgage tune-up to save homeowners cash.”

2. Pull the Switch

As interest rates rise, homeowners with adjustable-rate mortgages (ARMs)which have become increasingly popular among consumers who want to keep monthly payments lowmay want to consider switching to a fixed-rate mortgage.

“The gap between long- and short-term rates has narrowed, making even hybrid ARMswhich are fixed for an initial periodnot as good a deal as they used to be,” says Valerie Patterson, senior editor of RealEstateJournal.com. “Now is a good time for homeowners with adjustable rates to consider refinancing with a fixed-rate mortgage.”

Of course, a great deal depends on how long you plan to remain in your home, as well as the cost of refinancing, Patterson notes.

3. Trouble in Paradise?

Money problems and debt are key contributors to today’s high divorce rate, and most families take a financial hit after a couple parts company. As the lawyers jockey for position, a critical question emerges: Who gets the house? (And the mortgage payments…)

“If you own a home, the mortgage is likely your most significant monthly payment,” says Brad Stroh, co-CEO of the San Mateo, California-based Freedom Financial Network, LLC, a company that specializes in debt resolution services. “Be certain you understand how you’ll resolve monthly mortgage payments and how you’ll divide the home’s valuewhether one partner buys out the other now or the home is to be sold after children are grown.”

4. The Early Bird Catches the Penalty

If you receive a sudden windfall and decide to pay off your entire mortgage earlier than planned, make sure there is no penalty for doing so. You always want to secure a mortgage that specifies there will be no penalty for paying it off early, but if you happened to miss this clause in the contractsomething you’ll definitely want to avoid in the futurethink twice before writing a check.

Speak with a certified financial plannersomeone with nothing to gain from whatever decision you maketo determine the best way to handle this situation.

5. When the Unexpected Happens…
If you suddenly lose your job or suffer an illness that will create a temporary hardship, it may be difficult to keep up with mortgage payments. Protect your investmentand prevent foreclosureby working out a forbearance agreement with your lender.

“A forbearance agreement allows for a temporary change, such as loweringor, in some cases, eliminatingyour payments for a specified period of time,” says Andrew Housser, Stroh’s partner and co-CEO. “In order to agree to this, your lender must be convinced that your hardship is temporary and that you will be able to get back on track in the future. Otherwise, they may view forbearance as merely delaying the inevitable.”

Other options, according to Housser, are:

• A loan modification, which serves as a permanent change in terms.

• A “deed in lieu,” which lets you offer the deed to your home to prevent foreclosure.

• Sale of your home.

• Refinancing your mortgage for a lower interest rate or monthly payment.

Don’t make the mistake that will cost you your home: saying nothing and defaulting on payments.

—-

Mortgage Relief specializes in assisting Australian families with mortgages by making their monthly repayments more manageable and decreasing their overall debt and total interest paid over the life of their mortgage. Mortgage Relief is a mortgage refinance provider that it part of Australia’s largest Debt Relief organization. Visit Mortgage Relief on the web at http://www.mortgagerelief.com.au or contact them directly on 1300 789 014.

May 30

In this exciting article today you will learn exactly why having a financially free live will be amazing!

Are you always chasing your tail? Working for someone else?

Do your bills and credits keep you under the thumb?

These are just a few problems people may face today financially!

Here are the five reasons why being financially free will benefit you today!

• You will be totally in control 100% of your time and money.

• You will increase your family life- you will be able to spend more time with your loved ones! How does it look to spend all day with those loved ones of yours?

• Better health will be an option for you! Imagine waking up every morning and knowing that this day will be the best ever! You will be able to live with no stress in your life…Is this what you would like to happen?

• You will know that when you retire you can have piece of mind that you retire happy and perhaps early!

• Imagine spending every day as you wish. Do you like to play golf? Go for walks? Regular vacations? You can when you are financially free!

All the above are full proof reasons why being financially free will benefit you today!

Many success wishes to you

Dave and Paula are financial guides who are always ready to assist you! To get the help you need visit the Wealth Building Strategies web site today.

May 30

Treatments of Crohn’s Disease are primarily limited to
medication and surgery. There are several anti-inflammatory
medications that have proven to be beneficial, as well as
various forms of surgery depending on the location of the
affected area of bowel. Although none of these actually cure
Crohn’s Disease, they are helpful is controlling the symptoms.
In ebook 2 of “A Complete Guide to Crohn’s Disease and Possible
Treatments,” each of these treatments is looked at more
completely.

There are five basic categories of medication to treat Crohn’s:
aminosalicylates, corticosteroids, immunomodulators,
antibiotics, and biologic therapies. Aminosalicylates are used
to treat various inflammatory bowel diseases. While used less
often with Crohn’s, it has proven to be effective in mild to
moderate cases. Corticosteroids work to control inflammation and
have been the primary medication treatment since the drug was
introduced. Newer version of this type of steroid has proven
even more effective in treating Crohn’s. Immunomodulators are
used to suppress the body’s immunity mechanisms, which is useful
in treating Crohn’s as it is believed the disease may be brought
on by the body’s attempt to rid the intestine of bacteria.
Antibiotics, on the other hand, are used to rid the body of
bacteria and actually repress the intestinal immune system.
Biological therapies have recently become a major player in
treating Crohn’s. These are created by various living organisms
and, in the case of Crohn’s treatment, include the use of an
antibody which works to suppress the body’s release of a
particular chemical that increases inflammation.

Crohn’s Disease is also treated by surgery. At some point, the
majority of people with this disease will have to have a portion
of their intestines removed should it become blocked with scar
tissue, develop an abscess, or if a fistula requires repair. In
the case of a resection, a portion of the bowel is removed, and
the two remaining ends are rejoined. However, in more severe
cases an ileostomy or colostomy are required, in which fecal
matter is redirected, after the removal of a portion of bowel,
to a hole in the abdomen to leave the body. The two latter types
of surgery are particularly difficult for the patient, as they
will then have to wear a bag in which stool is collected.
However, there have been major advancements to make this less
difficult for the patient.

A less effective treatment option for Crohn’s disease is to
control the intake of certain foods. While it is clear Crohn’s
Disease is not caused by any particular food, some people notice
an increase in certain symptoms with particular foods and a
decrease with others. This will vary by individual, but is an
option for sufferers of Crohn’s.

May 30

A car accident comes under a personal injury lawsuit. A claim can be made by the injured party or by the relatives or friends of the injured party in relation to the damage caused by the other party in an accident. The claim is dealt with by the insurance companies of both parties to decide on proper compensation for all the damage caused.

Since almost all the drivers are insured, the insurance agent must determine the extent of damage caused and must be able to negotiate with the other party on behalf of the injured person. Both insurance companies can negotiate and decide on a correct monetary compensation that might be able to cover all the damage caused by the accident.

In the event that the other party does not accept the claim and contests the case, then the injured party might not receive the requisite amount to cover the property damage as well as the personal injuries caused by the accident. In such cases, a claim can be filed in a court. This results in the injured party filing a personal injury lawsuit to get proper compensation from the other party.

In order to file a personal injury claim, all the personal details of the involved party must be available along with the driving license details. The details pertaining to the make and model of the car has to be registered at the time of filing a claim. All the details can usually be obtained at the accident scene itself for initial negotiation between the two insurance companies. The medical details involved if the person is severely injured or hospitalized must be readily available while filing for a personal injury claim. It would be a good idea to use the police records while filing the case as they would register in detail all the injuries sustained by either or one of the parties involved in the accident. They also have photographs of the accident scene and can be valuable proof while filing a claim in the court.

Property damage and the loss of the injured party’s of wages must also be covered in the claim. Medical costs as well as the hospitalization costs are considered along with the others while filing a personal injury claim. Personal injury claims are no good if little or no injuries or property damage occur and out of court settlements between both insurance companies would be the best option in such cases.

Car Accidents provides detailed information about car accidents, car accident injuries, car accident lawsuits, and more. Car Accidents is affiliated with Drivers Ed Games.

May 30

The hassle of visiting a meat space gaming house gives us sufficient reason to drop it unless you can’t avoid it. Here, you won’t need to leave house for online casino games as you will do everything from your home office provided you have a pc and a functional Internet connection. Though, before setting out, there’s more than a few instructions that you will want to fully understand concerning online casino games, all the more if you happen to be inexperienced in this department.

Win big at all the top casino bonus gratuit resource here!

The very first thing that yours truly as a savvy Internet gamester is certain to hunt for is an online casino games web site of the category capable of offering high winning odds. Take care the online casino games web site is inspected by a trustworthy accounting firm in order to assess the quoted wagers’ pay-out odds regularly. You must always make sure the online card playing web site is licensed, for example by examining the government certified approval as displayed on the casino site pages. Should you fail to locate any government certified approval on that online card playing web site, do not think of betting with that host.

Beyond that, another advice would obviously be to play at the outset with limited amounts rather than expend way too much immediately. Check first the operability of this online card playing organization before running some grave risk- all the more money loss… Last but not least, here’s the most consequential guideline concerning virtual texas holdem. It can obviously only be this– to always call to mind that all kinds of betting halls should really only be about pleasurable enjoyment and much less about making money. Casino betting is not a profession, but a leisure pursuit that ought to let you feel glad and your life sweet. Finally, after you have observed these instructions, you’re at liberty to yield to the appeal of online card playing! :)

May 29

Making the decision to add a Pit Bull terrier to your household can be difficult. There are several things that should be taken into account before you go buy your puppy. You should do some research into the breed, so that you can learn all about the personality traits characteristic of Pit Bull terriers. It would also be beneficial to learn about behavior traits, and proper care of the dog so that you can be prepared before you bring your new puppy home. And of course, you must decide if you want a male or female.

There are many places that one can purchase Pit Bull terriers from. Probably the best way to find a reputable source would be through the American Pit Bill Terrier Club. By attending some of their meetings, and talking to some of the members there, you can get information on different breeders, and their opinions on who is the best to purchase from. They are probably already Pit Bull terrier owners, and should be a good source of information not only on the best breeder to purchase from, but general tips about raising a Pit Bull terrier puppy as well.

Your local veterinarian can also be a good source for selecting a Pit Bull terrier breeder to purchase your puppy from. They most likely have a lot of contact with local breeders, as they probably care for their puppies.

If you are interested in a puppy with a pure bloodline, for example, a dog for breeding purposes, you should probably not buy your puppy from a pet store. The puppies there are gotten from several different sources, and it would be very hard to trace their bloodlines for that reason. The prices at pet shops are usually higher, and it would be easy for the unsuspecting shopper to be taken advantage of.

The breeder listings in dog magazines and some newspapers could also be a good resource. They will help you get in contact with different breeders so that you can try to make the best decision. It is important to interview the breeders so that you can compare them and make the best purchase. You should find out how long they have been breeding Pit Bulls, what kind of conditions the puppies are kept in, how they are fed, what kind of contact they have with other dogs and people, and how they are cared for in general. If buying from a breeder that has a business of breeding dogs, you could also check with the Better Business Bureau to see what kind of complaints have been made against them if any.

Don’t buy the first Pit Bull terrier puppy you see from the first breeder you meet. Spend time with several breeders and puppies so that you can see for yourself the puppy’s individual personality. You will be much happier in the end by making a well informed decision in purchasing your Pit Bull terrier puppy.

To learn all about raising an American Pitbull Terrier and training Pitbulls, visit www.pitbullsrevealed.com/ today.

May 29

Whether you are working with existing furnishings and fabrics or “starting from scratch” with an empty room, you should always use the elements and principles of design as a guide in choosing everything. The elements are your tools or raw materials, much like paints are the basics to a painter. The elements of design include space, line, form, color, and texture. The principles of design relate to how you use these elements. The principles of design are balance, emphasis, rhythm, proportion and scale, and harmony and unity.

Principle #1: Balance
Visual equilibrium in a room is called balance. It gives a sense of repose and a feeling of completion. A well-balanced room gives careful consideration to the placement of objects according to their visual weight. The elements of line, form, color and texture all help determine an object’s visual weight, which is the amount of space it appears to occupy. Balance also refers to how and where you place the elements (line, form, color and texture) within a room. To maintain balance, try to distribute the elements throughout the room.
• Formal balance, often referred to as symmetrical balance, creates a mirror image effect.
• Informal balance uses different objects of the same visual weight to create equilibrium in a room. It is more subtle and spontaneous and gives a warmer, more casual feeling.

Principle #2: Emphasis
Emphasis is the focal point of the room. The focal point should be obvious as you enter the room; it is the area to which your eye is attracted. Whatever is featured, as the center of interest -a fireplace, artwork or a window treatment framing a beautiful view – must be sufficiently emphasized so that everything else leads the eye toward the featured area. You can add emphasis to a natural focal point or create one in a room through effective use of line, form, color and texture.

Principle #3: Rhythm
Rhythm supplies the discipline that controls the eye as is moves around a room. Rhythm helps the eye to move easily from one object to another and creates a harmony that tells the eye everything in the room belongs to a unified whole. Rhythm is created through repetition of line, form, color or texture. It can also be created through progression. Progressive rhythm is a gradual increasing or decreasing in size, direction or color.

Principle #4: Proportion and Scale
Size relationships in a room are defined by proportion and scale. Proportion refers to how the elements within an object relate to the object as a whole. Scale relates to the size of an object when compared with the size of the space in which it is located.

Principle #5: Harmony and Unity
A well-designed room is a unified whole that encompasses all the other elements and principles of design. Unity assures a sense of order. There is a consistency of sizes and shapes, a harmony of color and pattern. The ultimate goal of decorating is to create a room with unity and harmony and a sense of rhythm. Repeating the elements, balancing them throughout the room, and then adding a little variety so that the room has its own sense of personality accomplishes this. Too much unity can be boring; too much variety can cause a restless feeling. Juggling the elements and principles to get just the right mix is a key to good design.

About the Author –
Kathy Iven, Columbus, OH; kathy@fabricfarms.com;
Kathy Iven is the owner of Fabric Farms Interiors, located in Hilliard, OH. Fabric Farms Interiors specializes in home d©cor fabrics and trims. They also offer custom drapery, bedding and upholstery services. The company was founded in 1971 and is the largest home d©cor fabric store in Central Ohio. To learn more, visit www.fabricfarms.com All rights reserved.

May 29

What’s a press release? This is generally a one page story about your business, your product/service or an event happening related to your business that is about to, or recently occurred. These publicity stories are generally “shot gunned” to newspapers, radio, television and the trade publications.

Then imagine having your products/service written on newspapers, trade publications, aired on radio and viewed on television absolutely for FREE!!! Pal, that’s going to skyrocket your profit target. That’s what press release can do for you. It’s not going to cost you anything to do this, not a dime.

Don’t get excited yet because survey shows that 95% of all press release are rejected, they don’t make it. The problem is getting the people to whom you’ve sent these press release to use them, publish or broadcast them. But this article will show you the art of making a good press release that will be accepted by news directors and editors, and give your product/service the publicity it needs.

The two basic things to pay much attention in making your press release is the writing and presentation. So lets start from writing. What would you write about? You can write about just anything but please it” MUST be something that will sell the first person receiving your material – the editor or news director. Then the media man will quickly see and understand how your product or service benefits, his readers – thereby making him a hero to them.

Go right to the point and say your product is lower in price, more convenient to use or in what way your product or service is useful to the people in general. It’s a good idea to include a complimentary sample of your product. Don’t make the mistake of telling the story of your ups and downs towards your success about your product/service. They don’t have time for that, they only want things that alerts them of something new and probable real interest to their readers.

Try to associate your release with current events in the news. Is there job layoffs, increased unemployment, and inflation or growing need for earning extra income? Then its an opportunity to cash in if you have a product/service that’s a solution.

Now you have gotten a story to write, to make it to be attention grabbing depends on how you write your headline. Lets say your product/service offers a solution to the above mentioned problem. Here’s an example of a headline that could be used – MONEY MAKING GUIDE: SECURE YOUR FINANCIAL FUTURE, NEW SOLUTION FOR THE UNEMPLOYED.

You can write the headline before the story, and then a story to fit the headline or the story before the headline, and then a headline to fit the story either way basically the same as writing a space ad or a sales letter; you attract attention with the headline and fill in the details with your story.

About The Author

Emma okafor, an online market researcher and writer. His blueprint success in online marketing is available in his site http://bizacumen.8k.com

mimionline@zwallet.com

May 29

I have had to learn to deal with what I have come to call “a spinning mind” all my life. This trait of “thinking, thinking, thinking” as some would define it is just who I am. For some reason, asking questions, wanting to know the origins or way of this or that is how I think and process my world and experiences. Theology and a lifelong interest in the Bible has also caused more problems than it seems to have solved for me. This is my experience. If it is not yours, I am happy for you.

I also have had to deal with anxiety in the last few years due to, what for me, are extreme life changes and that old mind spinning that projects me either back in to the past which kindles anger or depression or the future where anxiety lives. But since I am feeling that anxiety begin to rear it’s head even as I write, let’s talk about it and what might be a way to keep on moving.

We live in an anxious world and the powers that currently be seem to feel they are the cure but in fact seem more the cause of the problems and associated anxiety we all feel. Will we all die of bird flu? Will we all die of some plague accidental or deliberate? Is some idiot going to start a nuclear war because they can or have some skewed view of their role on the planet or alledged power? Have we elected (who really knows if “we” did?), people with agendas that are spinning us out of control and spending us into the poorhouse? Will we drown by tsuanami, fry in summer heat, cave in by earthquakes, be cast upon the plains by tornadoes, blown away by super storm hurricanes? Is our government turning into a dictatorship and was George Orwell correct, just a few years early?

My interest and experience is with religion gone bad. I know pastors who are building whole religious empires (at least in their minds) on the fear, guilt, shame and income they can generate by reading and preaching that they possess special knowledge and insight that the truly “called” need to understand. Churches and Denominations also do that. I have a deep resentment for these men and pure wonder at those follow them. The Church and ministry should heal the wounded, not inflict the wounds, but that is not always the outcome of how some churches and ministers end up affecting the people who trust them.

A simple test of a man’s message is to count how many times he uses the word “I” in his explanations. This is why I found it comforting to find that “I am the way, the truth and the light…” is also found on Eqyptian temples to the Sun God and may not have been spoke by the Jesus who also is alledged to have said, “why callest thou me good…” Me thinks the Church at a later date made Jesus say things that, in fact, he never did say, nor never could say. Just my less anxious feeling opinion. People who are “the only way” along with truth that is the “only truth” make me…well, anxious.

Just yesterday I received a call from a former church member who asked if I had heard that so and so had told his followers to cut off all relationships with family, relatives and friends. This is a man who has found that he personally is spoken of in the Bible, of all things. He is a self appointed Apostle type who believes that Satan will chase his small church into the wilderness and have to be hidden by God in a “place of safety” to protect them. Some have their mind on a place called Petra in Jordan where I am sure some entrepeneur type could start a chain of “Petra Huts” and make some bucks.:)

Anyway… he gets this perspective out of the book of Revelation, but then again, don’t they all. I would hope the proper authorities investigate this before it is too late for a very small number of true believers in this man’s skewed Biblical view of the world, but he is only one of scores of ill informed fundamentalists who have scary solutions for all of us, with them of course, as our leaders in the true understanding of the true God and his true church.

I don’t know if he is sincere, ill or a con man, anymore than the other three or four I know who now feel they are one of the Two Witnesses spoken of, again in the book of Revelation, that book which has caused more people with mental illnesses to rise to the surface than any other in the Bible. This call, I believe has ignited the anger over religion gone bad of my past and the anxiety caused by the unknowable future. I realise some of the anxiety comes from the personal fall out that has come from the results of my knowing it was long past time to get out of that which no longer inspired or informed me. Being a seeker at heart, that’s just how it works.

Religious anxiety is a beast of it’s own. Personally, and save for those moments when the chemistry of past experiences with religion gone bad is set in motion, I am free of it. I no longer worry about human constructs that are designed for control by fear, guilt and shame, such as the false idea of hell or the biblical threats of the lake of fire for those that are not growing in the grace and mostly fake knowledge of some who profess to know. But I still want to know why the things of religion,

Christianity is a perfect breeding ground for anxiety as it places unachievable and unrealistic goals before people. “Become ye therefore perfect, as you heavenly Father is perfect” comes to mind. No challenge there. Christians have the absolute anxiety causing duty to be sure they have the right truth, follow the right teachings, listen to the right ministers who preach the scriptures, the right way, or else.

This very fact of Christian life is THE reason there is so much division in Christianity. There are always men who are more sure of their own righteousness and closeness to God and the scriptures than the previous guy. They split churches in half seeking a following that will be more true to God than the last church they were in and it will happen again and again. Knowing this is why when I was told that I could walk off with the Church if I was tired of what was going on in the Corporate Church, I said no, and went to massage school. Now at least I rub people the right way…Sorry, had to say that:), and don’t have to go through another coup by local church elders who want to be King of Nothing.

I knew a woman once who literally cut off her hand because “if your right hand offends you, cut it off, for it is better you go into the Kingdom of God without it than into the Lake of fire…” blah blah blah. I think it also tells us to pluck out our offending eyes as well but believe we’d all be blind and limbless along with a few other vital organs if we did what the Bible says. I know the apologetic on those scriptures, but tell those guys in the middle east where the book was written it is merely symbolic. Fundamentalist Christianity thrives on conflict and division and promotes anxiety while also offering the cure for a price. What a racket!

I don’t personally understand why people allow themselves to be lead and duped by such religious tripe. They must ignore a lot of little moments in their thinking when they inwardly say “that’s stupid” but outwardly dismiss their own observations. Well actually I do understand that as I did it for years.

Humans want to know the right things and do the right things for the right reasons in the right way. At least most of those I know and knew do and did. But that is also a formula for anxiety and not a little bit of anger. The anger will come from looking back and seeing that what you were so sure of in your youth has become the source of your doubt in the present, and the void left for a time will lead to anxiety over a future you thought you had figured out, but now know you don’t. That’s how it works. What’s the solution, or maybe, what is A solution, since maybe we need get away from thinking there is always only just one true way to think or do anything.?

First of all, get out of the unchangeable past, stay out of the unknowable future and be present in the only time you have…NOW. I am speaking to myself, but you can take this advice too if you wish. I simply refer the reader to Eckhart Tolle’s excellent insights into this topic in his series on The Power of Now. Just know that living anywhere else than the now is insane. If you think of it it, churches and their leaders motivate people by looking back to the past, (scripture, stories, history-real or imagined, and characters) for their motivational sources and ahead to the future (prophecy of what will happen, to whom and how), to motivate, frighten, “inspire” and keep the faithful in their seats and tithing. Sincere? Maybe. Profitable? Absolutely. True? Probably not near as much as one would think, but I spare you for now.

Secondly, and frankly, learn not to care all that much for you personally about what such Bible characters as Moses, Joshua, Isaiah, Jeremiah, Ezekiel, Jonah, the minor prophets or King David, who may or may not have ever literally existed depending, had to say. Get over the idea that if someone spoke it in the Bible, that is the end of the topic and the final truth of whatever they were commenting on. It relieves your religious anxiety to be able to say “so what” to someone who tries to manage your life by quoting the people of the book, so to speak, who said what they said thousands of years gone by now. Be prepared for them to freak out as well as they have never remotely thought that you might be able to think for yourself without searching the scriptures to see if these things be so.

“I don’t give a rat’s ass about what Malachi said,” is liberating! Just learn to say “I don’t give a rat’s ass what (blank) said…” and fill in the blank with the Bible character that someone is using to inform you as to how you should be or do in the present. Maybe ‘ol (blank) was not who you think he was or as portrayed and you are truly wasting your time with allowing yourself to be motivated by advice or ideas given thousands of years ago, as if we haven’t learned anything since then. I know at least one person who’d have a right hand if they had used this skill and gotten some professional help.

Thirdly, theological anxiety can be lessoned by knowing that everything the pastor or minister says is subject to being questioned. I know we are not used to doing that. I never was. Just the act of reading “what Jesus said” was enough for me to believe that simply is THE final truth on the matter, again, as if we have not learned anything since.

Paul said in the New Testament that he wished all men could be as himself, single and celebate. Jesus said a man should leave his father and mother and cleave to a wife, you pick. Paul said women should not speak in church, but rather ask their husbands, because it was the woman who sinned and not the man. This of course is literally BS, but how many women live anxious lives trying to obey this outwardly when inside they know that they know more than their husbands anyway and his answer would be stupid and selfserving? Lots, I can assure you. Learn to question so called “authorities.” It is better mental health. Let go the fallacy that to question the minister, pastor, preacher, rabbi or Pope is to question the Deity. Trust me, all such are just men and they all fart from time to time.

Paul says the only reason for marriage is to avoid fornication. That might be the only reason Paul felt he would get married, but it’s not true, nor it a good reason to get married. Much anxiety in Christian homes is caused believing that the advice of a man who saw a bright light and fell off his ass to become an Apostle, but never met the physical Jesus or quotes him is, 2000 years later, the only advice there is. Many are anxious letting a man who had no wife, no children and no detectable relationships give them advice or even commands on marriage, childrearing and relationships! It’s kinda like going to a Catholic Priest for advice about human sexuality, children and marriage. This is one anxiety I don’t choose to inflict on myself any longer. So to lessen your anxiety, get up all your courage and be willing to believe that jsut because someone mentioned in the Bible said this or that, does not make it so. It is liberating.

Finally, but not really finally, breathe. Simple stuff really. Learn to sit, quietly with music that inspires your inner self or sounds that calm and just be. That is what in the present means. Instead of going to Church, take a hike, sit by the river, lay under a tree and look at the stars. Don’t live up to the expectations of others. Live up to your own. Don’t even have expectations for a time, but just be who you are, now and not always feeling the need to better, or smarter, or more faithful to this or that idea that you don’t and maybe can’t even grasp. Life is not something that is always just around the corner, the bend, over the next hill or something to be lived when all the problems, fears, shortcomings and needs are either overcome or met. Life is now and anxiety or the lack of it is directly proportional to one’s ability to live in the present and stay out of the anger producing past and anxiety ridden future. Theological anxiety is treated well by refusing to allow others to introduce you to God, Jesus and all the Prophets, brought to you by way of fear, guilt and shame and a claim on at least ten percent of your income.

Thanks for listening, I feel better.

May 29

There is nothing quite as welcome as those beautiful spring flowers that seem to emerge from nowhere to welcome the arrival of spring. Bulb type flowers are really unique plants, because they spend most of their days resting quietly beneath the surface of the soil. Then right on schedule, up they come, full of bloom and vigor, and then almost as fast as they came, they go. Except for the green leafy part of the plant that tends to linger longer than we would like them to.

Despite their short bloom time and unattractive foliage after the blooms are gone, they are still a wonderful addition to any landscape. But how should you care for them? First let’s talk about how to use them in your landscape. Flowers of all kinds are best when planted in groupings. Many people buy 25 or 50 bulbs and just go around the yard planting helter skelter. That’s fine if that’s what you want, but when planted that way they tend to blend in with the landscape and really don’t show up well at all. When you plant them in large groups they are a breathtaking showpiece.

In the early spring start thinking about where you would like to create a bed for flower bulbs. Prepare the bed by raising it with good rich topsoil, and if at all possible add some well composted cow manure. Do this in the spring while you are in the gardening mood; you may not be in the fall. Over the summer fill the bed with annual flowers to keep the weeds down, and to pretty up your yard for the summer. Come fall all you have to do is pull out the annuals and plant your bulbs to the depth recommended on the package.

If you think you could have a problem with squirrels digging up the bulbs and eating them, you can also wrap the bulbs in steel wool, leaving just the tip of the bulb exposed so it can grow out of the little wire cage you’ve created. Or you can just plant the bulbs and then cover the bed with chicken wire or plastic fencing until the bulbs start to grow in the spring.

When the bulbs come up in the spring and start blooming, you should clip off the blooms as they start to wither. This keeps the bulb from producing seeds, which requires a lot of energy, and you want the bulb to use all of its available energy to store food in preparation for the bulb’s resting period. Once the bulbs are completely done blooming you don’t want to cut off the tops until they are withered and die back. The million dollar question is how to treat the tops until that happens.

Many people bend them over and slip a rubber band over them, or in the case of bulbs like Daffodils tie them with one of the long leaves. This seems to work because it is a very common practice among many experienced gardeners. However, Mike is about to rain on the parade.

I strongly disagree with this theory because back about 6th grade we learned about photosynthesis in science class. To recap what we learned, and without going into the boring details, photosynthesis is the process of the plant using the sun’s rays to make food for itself. The rays from the sun are absorbed by the foliage and the food making process begins. In the case of a flower bulb this food is transported to the bulb beneath the ground and stored for later use.

So basically the leaves of the plant are like little solar panels. Their job is to absorb the rays from the sun to begin the process known as photosynthesis. If we fold them over and handcuff them with their hands behind their back, they are not going to be able to do their job. It’s like throwing a tarpaulin over 80% of a solar panel.

In order for the leaves to absorb the rays from the sun, the surface of the foliage has to be exposed to the sun. On top of that, when you bend the foliage over, you are restricting the flow of nutrients to the bulb. The veins in the leaves and the stem are a lot like our blood vessels. If you restrict them the flow stops.

You decide. I’ve presented my case. Bending them over seems to work, but I’ve spent a lot of money on my bulbs. I want them running at full speed. What I do is clip the blooms off once they are spent, and just leave the tops alone until they are yellow and wilted. If they are still not wilted when it’s time to plant my annual flowers, I just plant the annuals in between the bulbs. As the bulbs die back the annuals tend to grow and conceal them. If one shows through I clip it off. It seems to work well for me.

Michael J. McGroarty is the author of this article. Visit his most interesting website, http://www.freeplants.com and sign up for his excellent gardening newsletter.

Michael J. McGroarty has more than 30 years experience in the landscape gardening/nursery industry. He’s spent the better part of his life on his hands and knees in the dirt working with plants and his hands-on experience allows Mike to write in a manner than many gardeners find to be helpful and beneficial.

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