OP said "Well, the spray we were told to use didnt do anything anyway. Its supposed to be more of a mold and black spot preventative than an insecticide. " Oh my, you need to locate a resource who can provide accurate information. Perhaps your county's Extension Service office. Find your county's office with this map: http://www.csrees.usda.gov/Extension/ Okay, back to your curled leaves and black mold. Please stay with me; take time to thoroughly digest each step to learn what occurred. It goes like this: 1. The diagnosis for your cherry tree is most likely aphids on the undersides of the cherry leaves. Those aphids were drinking plant sap and excreting the excess that they didn't need. That excess excreted sap is called honeydew. It's clear and it's sticky. 3. Then, a mold that's ever-present in the air, landed on the sticky stuff, fed on it, then produced the sooty mold (the black stuff) on the leaves. No way was that stuff black spot! Ladybugs, both adults and youngsters feed on aphids. The thing stuck on the leaf was a pupa as was already explained. Please don't try to scrape them loose as you may damage them and end up with a deformed ladybug rather than a healthy one. So, in the future, when you see similar curled leaves, please unroll them and look at what's inside the curls. Aphids, Lots and lots. Often very small. The best & safest remedy: Keep alert for curled leaves, then wash off the aphids. Insecticide sprays likely won't work because they are well protected within the curled leaves. Oh yes, as was said, the ladybugs don't make holes in leaves. Here is a link that might be useful: USDA map to locate Extension Service offices

Photo is a tad fuzzy. But perhaps it's a nymph of the solanaceous planthopper. If so, it's often a late season pest and/or pest of stressed plants. If you have only several, squish 'em.

I think it's Pyrrhocoris apterus, commonly known as the Firebug. It has been recently discovered in the US, in Utah. Here is a link that might be useful: Firebugs on Wikipedia

lpinkmountain I wonder if you might have rosacea. (By the way, please forgive me...I'm not a dermatologist at all but just am someone who all of a sudden developed a kind of blotchy bumpy skin.) When I went to the dermatologist for my yearly check up (I've become really good about this), she told me that I have rosacea. If that's the case with you, there are very specific things that should be used on the skin and equally specific things to avoid. Actually, I've saved money on skin stuff because the dr. told me that the best cleaner for my skin is Cetaphil (cheap) and that the Oil of Olay products are good as well. Her comment was that they have good chemists working for them. I'm to avoid Retin-A (boo hoo) and to wear a really good sun block. Vanicream (another cheapie) sunblock was also recommended. I don't wear much makeup but did have a couple of Bobbie Brown products left over from my daughter's wedding a few years ago. The doctor told me that those were OK to use because there wasn't anything in them that shouldn't go on the face. Good luck. Regarding skin, I figure that my eyes are getting worse just at the right time because I can't see all of the imperfections without my glasses. So...I just don't wear them!