Don't feel bad.. My hubby swears I'm addicted because I belong to several seed swapping sites.. He asked me I was going to quit and I said about the time he quits smoking.. lol.. I haven't heard another word but then again, I wonder if there is a SSA chapter (Seed Swappers Anon) lol.

It's Saturday and the sun is finially shineing which hasn't happened for about a week with all our rain. I decided to go to two local nurseries in my town just to see and because I felt like going out. First stop was this nursery out on the highway that I have watched to see when it might open for 3 years. I kid you not. It used to be a boarding stable and has a large property. I don't see how anyone could carry the taxes without opening for such a length of time but its finially open. They must not want anyone to notice as there is just a very small sign by the gate that said open 9-5 which is new. The grounds and buildings are stunning but there is a small amount of plants for sale. Not even a third of the place looked used to me. I bought a black eyed susan vine and just looked around. Went to another local nursery that I have been too many times before but they didn't have anything I needed so I am back home. Guess I will go outside and plant stuff I bought yesterday.

Lady Vix, I write this only because you say you are new to this and something caught my eye in your last post. You said "you weren't going to go down to the bank and sign the papers until ......" And then I checked your other posts a quick scan didn't bring up any mention of a mortgage application or approval. So I want to point out that it's not as simple as buying something like a car where essentially you just sign papers promising to pay a certain amount and then you're good to go. With a house you have to apply to the bank for a mortgage on a specific house and they not only evaluate your credit, but they also require you to pay for an appraisal (not the same thing as the tax "appraisal" or the relator's comprehensive market analysis.) Then they decide how much money they will agree to lend to you as a mortgage. You have to come up with the rest. (These days banks' appraisers are being very conservative about values.) There's tons of paperwork you have to submit to the bank and then they will tell you if they will give you a mortgage for this house and how much down payment they require. They will give you an good faith estimate of the closing costs (which may include a lot of fees). You may also have to refund to the seller a portion of the year's property taxes. Plus you will need to have homeowner's insurance, etc. You are spending lots of money on inspections, but you need to get the mortgage app process going right away because if you can't get a mortgage (and banks are reportedly being extremely choosy these days and requiring much bigger down payments than in recent years), you could be wasting a lot of money on these inspections. If you have been to a bank and have been told you are "prequalified" you should know that means nothing Sorry! You need a mortgage approval, which you can only get from starting a mortgage application. Sometimes it takes more than one attempt from different banks. And this typically takes weeks, or even more. If you already have this covered, meaning you already have a mortgage committment/approval on this specific property, ignore this. If not, get to the bank, TODAY! Good luck! L

Shoes normally have a tag in them that tells you what materials they’re made of and many I’ve seen have different materials for the uppers, plastic included. On sports shoes the tag is usually on the under side of the tongue.