Will- Your Abies balsamea 'Piccolo' looks okay to me. Abies fraseri 'Fastigiata Compacta' - this is likely the result of propagation of a side branch (tertiary, horizontal, rather than secondary vertical) and would be considered a cultivariant. It should develop a leader within a few years. Unknown fir: look up Abies forrestii Abies koreana 'Glauca' - could be 'Glauca' - do you have a spring/early summer photo, would be easier to make a guess. Abies koreana 'Green Compact' is likely the same as 'Compact Dwarf' Cheers- Brent

Well, like everyone else, I agree with much of what has been said but of course, as humans, we can't leave it at that and have to put our own 2 cents in :) You need to figure out a few things about your debt. Is it a matter of you currently have 35k debt that you need to pay off and you aren't adding anything to that debt? If so, then that is great! Work on ways to save every penny you can from your monthly budget to put towards debt. If you are still adding to the debt, you need to figure out why. Have you been paying for your kid's education or any of their bills? Like someone said earlier, if this is the case, they need to pay those things themselves. If they can't get a student loan, then they can cut back on their school hours, find a job full time, and pay their way through. They can also learn to take own their own insurance and phone bills if they don't already. And, if you still can't get your head above water, tell them that they will need to start pitching in on the food budget, or even pay you rent if they wish to live at home. Some may say that is harsh, but what is the best way to prepare a child to grow up and be apart of the real world? The parent pay for everything and bail them out of every problem, then suddenly graduate college and realize they don't know how to budget their own money and end up getting stuck with debt problems or unable to save for anything they want? Or having them pay for the things they want and need while under the protection and guidance of their parents so that when they graduate and/or get married and start their own family, they know how to budget and save money. So this could be a major thing to look at. You obviously don't want to just kick your kids away and make them think you don't love them, but if they aren't responsible for their own things, you need to start holding them responsible for them. Also look at other things you could save on. If you have Cable or Dish, perhaps drop them. Most shows can now be watched online, even if it means going to youtube and seeing if anyone put it up. Perhaps revise the food budget? That's one thing my husband and I have really been working on. I have cut ours in half! I am unsure of your living conditions or what type of disease you have, but if you are able to, perhaps there are things you could do for a little extra money. Clean the homes of family and friends? Host a garage sale and have all the profit go towards your debt? Are there crafts you can sell (they usually don't bring much money in, but every little bit can help). Perhaps you have a skill or talent you can train people in? If you can find something you can do that will create extra income, do it and discipline yourself that all of that extra income will go towards your debt and can't be spent elsewhere. If you haven't already, check out various sites about cutting the budget and frugal living and as you apply those tips, use the money saved toward debt. I have 2 things left to say. The first is a tip I read about paying off debt. Write down all the various debts you owe. (To whom, who much the debt for each is, and their minimum payment). Next, order them from smallest debt to the largest. Each month, pay the minimum towards each debt, but for the smallest debt, the one listed on the top of your list, pay more. I'll give an example on a small scale. We'll say you owe $ to 3 creditors. Vista debt: 300 Min: 20 American Express debt: 1000 Min: 50 Master Card debt: 2500 Min: 100 So, you pay the 50 and the 100 to AE and MC, but for Vista, we'll say you managed to get enough extra income to pay 100 a month on it. So, for the next 3 months you get it paid off (Note, I am not calculating interest, it is not needed to get the basic concept of this). Once you paid off that Vista, that gives you $100 extra each month that you can then apply to the AE card. So, rather than paying the min 50, you are able to put 150 towards it. Once the AE is paid off, you now have 150 extra in the budget so you add that to the minimum payment you were paying on the MC which means you'll be paying 250 on it each month. With this method, you can quickly pay off debt and reduce the number of creditors you are paying because rather than spending forever trying to pay off the largest amount, or slowly paying off all at the same time, little by little, you free up money as you finish paying off creditors so you can apply more to other debt. I hope that tip helps. The last thing I have to say is short. If you already have bad credit, do not fret about it. You don't want to do anything stupid, obviously, but do not fret about past mistakes. After 7 years, bad records are taken off your credit record. I could be wrong on the 7, it may be slightly more or less, but I believe it is 7 years. I know for bankruptcies, it is 10 years before it is taken off. (But please don't go bankrupt if avoidable because we, the tax payers, as well as yourself assuming you work and pay taxes, end up paying for it through our taxes). I hope the advise I gave was helpful.

I have that verse but it has another sentence to it. the last sentence after She is now your guardian Angel, is....Watching over you from above. Kathy...I have it saved on my computer if you want it. I made my card very small with small but readable print. Then cut the edges with those fancy sissors. and hung it on the ornament. patti

A new memory card to be used in a camera should always be formatted in the camera before its first use. However, unlike IowaGirl's standard practice, you shouldn't reformat it every time you reinsert the card into the same camera. You will only shorten its life that way. A card, generally speaking, can only be reformatted a certain number of times. The better quality card can be reformatted more times than a lesser quality card, but, nonetheless, it will reach the end of its "formattable life" sooner or later -- sooner if you reformat a lot. And there's really no reason to reformat it unless it's acting up. Many memory cards intended for use in cameras come with free image recovery software. When you delete a picture (or a data file), it is still recoverable as long as it hasn't become corrupted. When you delete something, it's not really removed from the card/disk/hard drive. All that happens is that a command is given that the area of the media that was used to store that image/file is now available to be used for something else to be saved. And there is more sophisticated software available that can recover images/data files even after something new has been saved over it -- that's what happens, for example, when forensic teams work with hard drives when crimes are committed.