10/09/2014

Plant for Bees and Butterflies

Flowers in my garden to attract and feed butterflies and bees.
Bees need some help in this drought and competing with invasive
species. Planting flowers that they can use the pollen naturally gives
them the food they need to survive. I'm allergic to bees. I was only
stung once as a child. The keys to living in harmony with bees:
In the heat of the sun move slowly around where they are gathering
nectar. Cut flowers early or as the sun goes down. Bees are home asleep
before sundown.
Butterflies also need a little help, and they add grace and fun to your garden.
In my last house at Kite Hill we built a tree fort and planted coral seas passion
vine. With only water the vine soon overtook the fort which was a favorite
reading spot of my daughter Blair's. She could it up there in a wicker chair and
read for hours. The fort offered an ocean view, and the glory of thousands of
monarch butterflies.
The vine needed chopping regularly as it found the soil and spot perfect,
See below bottom I planted a different passion vine as I couldn't find
coral bells and it needs a solution to tangle up and attach to the roof of the
gazebo. Input please!







Bee is sitting in the painted blanket


Bees need:
bare ground spots for mud
plants they like are:
lavender, thyme, cilantro, fennel, borage, sage, hollyhock
buttercup, calendula, geranium,  aster, zinnia,
sweet assillum, poppy, sunflowers, heliotrope
I have all these in my garden in Orange County California
Mixing different perennials and annuals the bees and butterflies
enjoy makes for a colorful garden year round

heliotrope




Butter flies surprisingly enjoy a similar list
budderia, butterfly, bush,  primrose,
statice, lilac, lantana, phlox, aster, butterfly weed,
 milkweed, chives, red clover,
 lavender, loostrife, sedum, wisteria,
 coreopsis, marigold, globe thistle,
 yarrow, heliotrope, ceanothus, aster, cosmos,
 zinnia, thyme, calendula

Important note: I never use pesticides. I only use water,
home cooked compost and let the sun do what it will..
I do kill snails naturally with my snail ranch that they come
in and have a beer but never leave.


my backyard this October 2014




my front yard has three varieties of lavender and Mexican sage, see the little white butterfly?




mexican sage



coral bells passion vine

















Milkweed favorite for monarch butterflies the pods dance on the wind

Coreopsis is hardy in California it blooms year round if you trim by thinning the plant and dead head the flowers
Okay here is a problem child. I planted this passion vine
for the butterflies but try as I might I can't get it to cling
to the roof or over the hanging.
Suggestions?

10/03/2014

CHASE BANK HACKED


CHASE BANK ATM OPEN FOR HACKERS

Chase Hacked
J P Morgan Chase hacked yesterday.  Eight three million accounts compromised. 
How long ago did Chase know about this and wait until it leaked?
This is the largest failure of security in history.
This is far worse than Target, your email or Facebook hacked, pawned, and compromised. 
What can you do?

·         Chase is advising customers that they do not need to change passwords. I beg to differ.
·         Change your password today and again next week.
·         Check the account balances daily.
·         Check new credit card accounts opened in the next twenty and forty days.
·         Check your mailbox for any new information
·         DO NOT respond to any emails from Chase or anything that appears to be Chase.


Jamie Dimon fails to comment.
JPM Stock price downgraded today.
In the world of internet bad guys this one is frightening.

10/01/2014

Table Funding States List









Home interior relax and sign your loan documents



WHAT STATES ARE WET FUNDING STATES?
ALSO KNOWN AS























What are the table funding States?

TABLE FUNDING RESIDENTIAL MORTGAGE

REAL ESTATE Closings  WHERE BUYER AND SELLER GO TO AN
ATTORNEY TO SIGN AND CLOSE ALL ON THE SAME DAY
ANSWER:

Alabama
Arkansas
Colorado
Connecticut
Delaware
Florida
Georgia
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
New Hampshire
New Jersey
New York
North Carolina
North Dakota
Ohio
Oklahoma
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
West Virginia
Wisconsin
Wyoming

BEACH HOUSE DESIGN

OUTDOOR DINING ROOM CALIFORNIA STYLE

C G Caroline Gerardo Barbeau (949)  784 - 9699
NMLS 324982

9/22/2014

Moving Expenses Deductable?

 Are Moving Expenses Tax-Deductible?
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  If you are qualified, you may deduct the expenses of:

  • Tolls and parking fees on the trip.

  • Up to 30 days storage of household goods.

  • Disconnecting and connecting utilities.

  • Packing and transporting household goods.

  • Mileage for use of your own car (or gas and expenses).

  • Transportation and lodging for yourself and members of your household while traveling to the new home.

Not all moves are tax deductible. In order to deduct your moving expenses, you have to meet two tests:

Time - You must begin working as a full-time employee within 13 weeks of your move, and you must work at least 39 weeks during the 12 months after your move. It doesn't matter whether you were transferred by your employer or you took a brand new job.

Distance - To meet this test, your new job has to be at least 50 miles further from your old home than your old job was. If you didn't have a job before the move, your new job has to be at least 50 miles from your old home.

Consult a tax advisor to see if you qualify.

 
Information Provided By:

LOPhoto

Caroline Gerardo
Senior Loan Officer
NMLS #324982
Cell 949-637-8190
Office 949-784-9699
eFax 855-883-4303
CarolineGerardo@eaglehm.com
www.eaglehomemortgage.com/carolinegerardo
Committed to Seeing You Home.
Eagle Home Mortgage
8105 Irvine Center Drive Suite #500
Irvine CA 92618
LOLogo
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NMLS #849059 CA #813I609 Universal American Mortgage Company of California, dba Eagle Home Mortgage of California. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. RMLA #4130383, NMLS #252392. Certain restrictions apply. This is not a commitment to lend. Applicants must qualify.

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