4/30/2018

Need Down Payment Cash?

 Eagle Home Mortgage, 949 South Coast Dr, Suite 240, Costa Mesa, CA, 92626
 

4/26/2018

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

4/25/2018

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.