Organic Gardening

Besti kennari i heimi the best canary in the world

fly paper

Organic gardening is cheap, easy, and healthy.

The premise is to not use chemicals. Therefore
you won't be buying Roundup, Miracle Grow, and pre-mixed soil bags.

You need an area that has sunshine and access
to a water outlet. Gardening is the best teacher in the world.

Raised beds are not necessary and may hinder you from
starting the overall project.

Draw out your pathways and planting areas.
Locate a spot away from, but not so far as to be
time consuming to access the house for a compost pile.

flower bed

Iceland wildflowers

Raised beds are not necessary and may hinder you from
starting the overall project.

Draw out your pathways and planting areas.
Locate a spot away from, but not so far as to be time consuming to access the house for a compost pile.

Composting will build years of healthy soil for the
future. A four foot long piece of chicken wire tied
together and put on its side as a bin directly on on
ground is an easy start.
Find a local coffee shop that will save you buckets
of their used grinds. Save your vegetable and fruit
trimmings, add cut lawn that is not chemically
treated, add thin layers of soil or dry leaves when you
have them. Think variety and used plants nothing
with meat, oil, or human waste goes in the pile.
If you have chicken manure, cow or goat or horse
manure these can be layered into the pile and allowed
to age as to not burn any tender seedlings.

See if you can find a local tree trimmer who grinds
up the trimmings. If you have space tree trimmers
often offer to dump a load for free, as they have to
pay fees to the dump. The wood chips will need to
age a minimum of six months to a year. Keep the pile
damp and covered with a tarp. In warm months the
pile will reduce in half. This aged mulch can be used in
your pathways or small amounts added to your compost
pile.

Pathways can be covered in used cardboard or ten sheets
of black and white used newsprint. Find materials without
colored ink, staples, tape which may add things to the
garden you don't want. The paper liner is then covered with
wood chip mulch of about three inches thick. This blacks
out weeds from growing and will save time in the long run and
add a neater look to the garden.

Planting areas should be narrow enough for you to reach
into the center.

Straight tree branches can be pounded into the bedding edges
and tied together with whatever string you have to allow
climbing vegetables and flowering vines to move towards the
sky and allow easy picking. Trellis made from branches also
provide a bit of shade for new plantings or bird netting can be added
to keep out bunnies, birds and chickens.

Loosen the soil in the beds. Add composted or aged manure
and break up the clods for planting your seeds. Soak the seeks
in little bowls in the house for a day to give them a nice wet
start.

Seeds can be traded for free, bought online in many
exchanges or if you must buy the picture packet varieties
avoid the GMO monkeyed with ones as you will want to
save the seeds for next year and Monsanto makes sure the
genetic makeup of their seeds can't be saved and reused for free

Caroline Gerardo
copyright April 26, 2018

Shame on Wells Fargo

Video of old Wells Fargo office

Wells Fargo from Stagecoach to Locked Cell

Why is Wells Fargo paying billions of dollars in fines?

1. Employees paid $50 bonus for opening new checking accounts
Bank tellers, managers, home mortgage guys took customers social
security number, date of birth and address and opened accounts with
nominal $2 to get the bonus, then allowed your mother and grandmother's
account to incur over draft fees and monthly charges, then sold them to
collection accounts. Nice culture of stealing from your clients

2. Wells Fargo Home Mortgage quotes low interest rates that they don't
intend to honor or close on time. Processing takes more than thirty days
for the most cooperative borrowers and the bank blames the customer
that the client didn't answer quickly enough and charges thousands of
dollars in rate lock extension fees that must be paid non-refundable
before they approve the loan. Scam.

3. Wells Fargo Home Mortgage charges $995 in underwriting fees and
$2600 in junk loan fees - about three times the amount all other banks
charge. They also are notorious for disclosing lower upfront costs and
re-issuing the Closing Disclosure for fictitious reasons, of course blamed
upon the client for errors.

4. If you have a Wells Checking account - stop the over draft protection as
this scam will eat every dollar in the account. They are famous for charging college students and the elderly $150 a day in fees.

5. Wells Fargo is not going to give you a modification. Since 2008 they
have lied to homeowners and quietly foreclosed on Borrowers who were
in the process of applying for modification. This department forces
homeowners to send duplicate paperwork in hundreds of time as a way
to wear down the homeowner.

6. Employees pushed clients into crummy super expensive load
retirement funds.

I worked at Wachovia which was taken over by Wells Fargo.
While there so many bad people work behind the Wizard of Oz

Wells Fargo's corporate culture doesn't want to change.
Fining them what sounds like a large sum of money is
a drop in the bucket to this huge behemoth bank.

Be Careful Wiring Money

BEWARE OF:

FRAUD

HACKING

STEALING wired accounts

Theft of Escrow Trust Accounts

Bad Guys Trying to Take your Down Payment

The internet is not private.

Be careful wiring money.

It's not insured.

Wire and other disbursement instructions

received by email should be confirmed by

telephone at a known or independently

confirmed number, NOT the telephone number

at the bottom of the email you are trying to

confirm. Lookup the Escrow company and Title

company you are using online AND ask your

lender if they are familiar with the persons. Lenders

have their own internal systems of verifying and

approving escrow and title companies which

includes checking with the Secretary of State,

checking loss claims, and verifying they are who

they say they are.

Be especially skeptical of any change in wiring

instructions from us or any parties involved in

the transaction. How often do people and

businesses change their wire instructions-

rare or never are they going to change the

bank account they use, unless it is hacked.

Specifically, if you receive an email or any other

communication that appears to be generated

from our office, containing new, revised or

altered bank wire instructions,

consider it suspect and call two sources to

verify at a number you trust.

Your email address is not private- if for

Example the email you are using for the

Transaction that you provided to the lender

And escrow company is the same as the

Email on Facebook assume a million people

Have the Facebook email. Don’t mention on

Social; media that you are moving, selling or

Purchasing.

Confirm the account to which you are wiring

is in the name of the party entitled to the

funds; encourage buyers and sellers to do the

same.

Be suspicious of emails from free, public

email account domains that pertain to the

movement of money, as these email accounts

are often a source of risk.

DO NOT CLICK ON Links in emails or on

Sites you don’t know extremely well.

Consider what email account domain you

use for any financial business. As stated

above, the free, public email account

domains are a target for cyber-thieves and,

without additional levels of security, are

particularly vulnerable to attack.

Watch out for phishing emails with

embedded links, even when they look like

ones sent from a trusted source.

What is phishing you ask?

People who want to steal ask questions about:

sensitive information 

usernames, 

passwords, 

names of your children

date of birth

credit card details 

Organized crime can access your information.

When you are buying or selling real estate they

know large sums of money are going to be wired.

This makes you a target when wiring your earnest

money, down payment and closing costs

Things to look for: 
Bad grammar ( they use Google Translate)
A website with colors that mimic your Bank of America, Chase or Wells Colors
email address is not from the company name
Rushing you, hurrying you for a deadline
You didn't contact them or login to your account but they say you did

Buy House NO Money down

Did you know you can buy a single family house up to $679000. in Orange County California
with zero down payment? Yes no money down.
You need to have the closing costs or- title, escrow, impounds, inspections and other closing costs of about $3500 to buy an owner occupied home.
First Time Home Buyer
Qualify with IRS taxes/ W-2 forms past two years; paystubs; credit; bank statements

Call me for all the ins and outs - terms and conditions...
Why rent?