Dolphins Dance in Dana Point Harbor

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Polka dot plants (Hypoestes phyllostachya have varigated pink and green leaves, hot pink impatiens and New Guinea impatiens, begonia, coleus, heuchera, and fuschia all combined in pots to dazzle your garden. All of these plants like moderate sunlight, moderate temperatures and deep watering. These are hung on my balcony garden. I have them an inch above my eye level in two layers. One basket on top drains down to the bottom one when I water. 

This year with the real estate market a wild hot mess. I didn't have time to fuss as much with my potted plants. They enjoy the warm afternoons in Orange County. I remove flowers, dead head and snip off dead leaves when I'm sipping morning coffee at 5:45. 

I have a couple natural flower minders/baby sitters: up on a self a pretty bowl of water with tablespoon of dawn dish soap and apple cider vinegar to catch fruit flies, a bowl on the ground with yeast/sugar and beer for snails, and I add coffee grounds and egg shells to the surface of the soil in pots where snails like to climb. Natural ways to keep down problems in my tiny house before pests multiply. 

 

Modification Foreclosure Refinance

 

Modification Foreclosure or Refinance

The Consumer Financial Protection Bureau announced a new rule today to slow a wave of foreclosures due to coronavirus.

Here is a summary from the New York Times:

“In most cases, lenders will only be allowed to foreclose on a home if it is abandoned, if the borrower has not responded to messages for at least 90 days, or if the borrower has been formally evaluated for all available “loss mitigation” options (such as a loan modification) and none are viable.

Servicers will also be allowed to proceed with foreclosures for borrowers who were already 120 or more days delinquent before March 1, 2020.

The new rule also allows mortgage servicers to more easily offer some loan modifications so long as the changes do not increase a borrower’s monthly payments or extend the loan’s term more than 40 years beyond the modification date.”

Nice for current homeowners but with the current high prices and low inventory, anyone hoping for a wave of foreclosures or crash may be waiting awhile.