Razorback, I have that one. It's a beautiful book. I'll be interested to see if Tina's book is a broad range of native plants: flowers to ferns to grasses to shrubs to trees. Amazon doesn't have much information on this new book yet. Tina, is it in a local book store yet? My favorite though is not a native book, it is the Southern Gardener's Book of Lists. I use that to find a list of potential plants and then research each one in which I'm interested. Of course, I usually pick the native plants, but it helps me get going to go through the lists (which are based on site requirements or desirable characteristic).

Barker_Tx, we are in Austin, Tx and if you have any suggestions, please email me at bevangel_72(at)yahoo.com. A big problem we're having is the cost of all the facilities in Austin. MIL gets about $1100/mo social security and about $900/mo investment income. All of her money is invested in CDs however and none of those mature until next March, so even though know she needs to start spending down the principal, we'd very much like to wait to cash one out to avoid the early withdrawal penalties. In the interim, DH and I are supplementing her living expenses. But, both our jobs are currently "shaky" so we really can't afford to supplement more than about $1000/mo and even that is a MAJOR stretch. If either of us actually loses our jobs, we're going to eat through our own financial cushion very very fast! In Amarillo, MIL's social security and investment income came really close to covering her expenses and she would cash out a CD about once a year to put enough in the bank to cover the rest of her expenses for the year. The only thing we were supplementing was her medication management at about $400/mo. Moving her down here and paying the $3000 non-refundable move-in fee to the Meridian ate thru pretty much all the extra cash she had on hand. So, until next March, we're going to have to supplement every penny above about $2000/mo that it costs her to live. As for the Meridian... I have talked to the administrators until I am blue in the face. They just keep shifting their stories to cover their a**es. First they claimed that they intended for another resident who attends almost all the activities in the main area to go and get MIL and befriend her... but that that resident moved out shortly after MIL moved in. When I pointed out that 1) they never TOLD us the volunteer resident had moved out and 2) THEY were the ones who made the promise and, if they couldn't find a volunteer to fulfill the promise, they should have assigned a staff member to do it, they changed their story. They NOW claim that the only activities they EVER promised to take MIL to were the ones in the Platinum Plus wing and that, if we understood anything else, it was just a misunderstanding on our part! They won't respond to the fact that we talked repeatedly about how much MIL enjoyed playing the dominoes game called Forty-two, which was shown on the MAIN schedule 3x per week and is NEVER shown on the Platinum Plus schedule, and which they very specifically stated they would make sure she got to play. They also ignore the fact that we talked very specifically about my concern that she would get lost trying to get all the way down to the main activity room by herself and discussed the need for her to have a scooter because it was too far for her to walk. The area where they hold their once daily platinum plus activity is right around the corner from MIL's apartment. She can find her own way there quite easily and doesn't need a scooter to go that far. But, "we only said we'd get her to the Platinum Plus activities" is now their story and they are sticking to it. As for the non-events on the health center calendar: According to the administrator, the "current events" activity on the health center calendar would have happened except that the volunteer that leads current events on the weekend was unexpectedly called out of town. The "worship services" on that calendar was a reference to the worship services happening in the Platinum Plus area (as if any one living in the Health Center could POSSIBLY have made it up there since it is at least a 5 minute walk by a healthy person!) The "social hour" was a reference to the fact that, about 3PM the nurse came around and gave each resident a cookie and some cranberry juice! As for the non-events on the Main Calendar: their story now is that "our independent residents lead most of the events that are scheduled and, if they decide not to hold them, we ask them to let us know so we can revise the calendar but, if they don't, that is nothing the Meridian can do." And, as for scheduled afternoon game time that didn't happen in the Platinum Plus wing: "our staff member was there at the scheduled time to lead the activity but none of the residents showed up, so after a few minutes, she left and went to take care of other duties." As I said, they're covering their a**es! As the situation now stands, MIL is back in her apartment and we have been told that they will "remind her of all activities, including those in the main building, when they go in to give her medications." They will also tell her where the activity is happening (as if she can possibly find it on her own) and that, IF a staff member "has time", one will walk her down to occasional activities in the main building. I would bet a million bucks that no staff member will ever have time!!!! Bottom line, she will be left to vegetate in her room until we can move her out. The only reason we even looked in Temple was that Austin seemed so expensive and, as one went further out from Austin the prices seemed to drop. We figured we could afford the time and gas to drive 50 miles to/from Temple once or twice a week more easily than the prices of similar places in Austin. BAD PLAN! Obviously the staff at these places need to know that family members can and will drop in at any time of the day or night! Otherwise some of them are going to take advantage of the fact that they can pretty much lie to you with impunity. I don't want to file a lawsuit or bring other legal action against the Meridian as long as MIL is still basically in their control. No telling how they might take it out on her! Further, a legal action would probably be unavailing because all the promises were made verbally --- nothing in the written contract about them. Once MIL is out though, I intend to sic the state on them for running an unlicensed assisted living facility and also to post bad reviews at every location I can find. Meantime, we're still looking for a good situation for MIL in or near Austin that is somewhere within reach of our budget.

Hi Bethesdamanman, My apologies then, Dave. I thought that I had recalled you posting on the other board that mortgage rates would stay low for years and years, and that we would never return to the high rates of years past. My error. Eeeesschhh .... well.... actually... kinda sorta, YES.... your apologies in this case are NOT warranted. Herein lies a case of "text failing where a verbal conversation *may* have worked better." I've never said rates would stay low "well... forever".... I HAVE said rates (30 FRM rates to be precise) will unlikely climb over 7% in our lifetimes. I *STILL* stand by that.... albeit, I am now offering that we are entering a territory of government-induced inflation at levels I (perhaps naively) thought the United States political system was above. If we continue down the path of dollar-dilution that we've begun accelerating along, there are only two end-game results; A) we reverse course back out of it before we self-destruct in revolution, B) we self-destruct (and the devil we do not know is always a potential problem.) *IF* we successfully reverse and dig ourselves out of the hole of trouble our most recent past and our current government administrations are hell-bent on digging us into... there are only two ways of "sopping back & vacuuming up" the diluted unbacked funny-money that has been injected out into the system; A) The Treasury collects more taxes than it provides to the government to spend, and/or, B) The Fed increases interest rates higher than its blended payout on the treasury bonds (and then some... the greater the positive income spread to the Fed, the more painful to the "fixed-income retired crowd" which is our baby-boomer bubble... who will rally with AARP-sponsored pitchforks.) Both A & B will be met with *MASSIVE* resistance from the only crowd that the poloticos *KNOW* will consistently show up to vote, and have almost unlimited spare time to write, call, email, and generally pester the daylights out of the politicians; The Seniors. SO.... I've learned to never rely on "common sense" when it comes to anticipating "government logic" (an oxymoron if there ever was one.) Obama has enlisted the original architect of option B... Paul Volcker... as a "senior economic advisor." ("Senior" may (MAY) work somewhat to our advantage here... as Gramps Volcker *MIGHT* have some age-gained sensitivity to his classmate comrade's plight.) Volcker is the one who decided to fight inflation in the 1970's by driving short-term interest rates up to the 20%'s... The late '70's and early '80's result was that Volcker recaptured (in a VERY painful way) the excess liquidity (flooding of funny money) our country created by going off the gold standard and adopting a "weak dollar" policy through the 1960's. WHAT WILL WA DC DO??????????????? I dunno.... (I know what I pray/chant/meditate they will do...) *IF* the government (both the loonie left & jackthug right) get OUT of the way of the naturally balancing markets... then my expectations and predictions stand, with virtually my 100% confidence. My fears are that the United States idea of a market-based capitalist self-righting system has been a grand and wonderful social experiment... but that the human frailties (compounded in mob psychology) are sabotaging the underlying DNA strands that made it possible to stand. My COMFORTING REALIZATION... is that despite my egoistic pride for being part of a "successful system".... even if that system turns out to be a decaying failure, INDIDIVIDUALLY I and my family, and those I guide, can still retain their own personal success and quality of life. Cheers, Dave Donhoff Leverage Planner

Thanks for all your hard work Karen! Can't wait to read it in its entirety. Jodi-