i take it you do this because it is more cost effective? ~ a bale of peatmoss & a huge bag (which i have)of perlite is a better buy than a large, compressed bag of potting mix? ~ i can never *think* that through, cuz it's like comparing apples & oranges ~ sortof ~ for instance, i bought a *compressed* bale of pro-mix bx for $27 at a feed store ~ i dunno ~ is that a good deal? how the heck do i compare a *compressed* bale to a non-compressed bale? ~ and, boy o boy, it is really compressed ~ i almost have to cut out a chunk with a butcher knife! thanks for any insight ~ phyl

yes they are beautiful =) also edible flowers, entire plant edible, all members of the hibiscus family and of the extended family of mallows are entirely edible. easy care- they grow abundantly once established. you dont have to fuss over them much, just give them water every so often and they grow very big =) rose of sharon, Hibiscus syriacus, is one kind of hardy hibiscus, the other main one being hibiscus moscheutos. to sow your seeds, plant them in winter outside, either directly in the ground or in pots. let the winter cold stratify them for you, or alternatively you can look into the cold stratification methods using the fridge.

I know I'm not saving money in the short term. I've only had my community plot for three seasons, after a long break from gardening. My start up costs were "re-start" up costs. And still, I'm building soil, learning what plants work well in this microclimate, finding my way… I'm not taking the least expensive route. I have to say that the other benefits mentioned ARE a cost factor. We pay dearly here in CA for organic produce with the water shortage, and it's only going to get more expensive. But I know I am not gardening efficiently enough to maximize the space for production and savings. If I concentrated more on actively succession planting and intercropping, I would. I think over the long term, I will save money eventually. In the mean time I am content to save on therapy and anti-depressants.

Usually the owner of the money gives a pot of money now, or makes regular payments over a period of time, to usually an insurance company, in exchange for a benefit that the insurance company offers. The insurance company agrees to begin paying a specified amount to that person, beginning at a certain date and, often, continuing for the rest of the person's life. Or, at a lower rate of regular payout, to include a surviving spouse. However ... some people found that the original owner of the money often died within a few months of beginning to receive the annuity ... and that was the end of the contract: the full amount paid was kept by the insurance company (except for the small amounts paid out). One financial advisor that I knew had a client over 80, with no dependents, that considered buying an annuity (i.e. was in the process of being sold an annuity by an agent). He, cancelling another appointment, travelled some distance to meet with the two, and when he asked how much of a benefit there would be if the lady died in a couple of months, was told that there was no such provision in the proposed agreement. Many people who were much younger than that lady, when considering a proposed contract, didn't like that idea, so there's an option available for the original purchaser to have a provision in the contract where the payout period will be for his/her life but, should s/he not live long after the payout begins, the annuity will continue (at a reduced rate) for a 10, or 15 year, or other length, period. The rates that insurance companies offer regarding annuity payout lebvels usually bear some connection with current interest rates. When rates are high, often the rates of payout offered by annuities are higher than average, but usually not comparable. When rates are low, as they have been lately, payout rates offered are usually low. The reason being that the insurance company has guaranteed to make payouts at predetermined levels, but don't have certainty as to how much they can earn on the invested assets in the meantime. The insurance company doesn't give a guarantee to make a level of payout that is going to hurt them in the end. In the case of life insurance, the owner of the policy bets that s/he's going to die prematurely, when some non-employable dependents require an income for them to live on for a number of years, but leaving no one to provide it. The insurance company bets that the buyer of the life insurance is going to live to an advanced age, paying premiums throughout. The insurance companies are the ones with the actuaries. In the case of an annuity, the buyer is betting that s/he is going to live for a long time ... collecting that annuity payment regularly through to, say, 104. And the insurance company bet that s/he's going to die before they've paid out a bucket of money in total to that person. And if they're covering a spouse, as well, or have given a guarantee that they'll continue paying for, say 10 years, even if the owner dies a month after payout begins ... the amounts of the regular payout the the company is willing to offer is lower. As their risk is greater. I confess to a bias against insurance companies' practices, largely because they marketed whole life insurance policies for ages, telling ofthe great value in having some value build up in the policy over the years. But, in order to collect that "extra value" ... ... the owner of the policy pretty well had to arrange to be alive and dead at the same time. For many, who want to spend some time learning how money works, and are not going to get all bent out of shape if the value of theri assets drops for a while when there are corrections in the equity markets, I think that they can likely do better investing on their own, if they do it skilfully. For quite a long time, I said that no one cares as much about your money as you, so it's wise to learn how to manage it well. But in recent years I've changed the tune somewhat, to ... no one cares as much about your money as you ... except some folks that would like to shift some (most? all?) of it from your pocket ... ... into theirs. Your job is to keep that from happening ... unless you get good value in return. Enough for now. Good wishes for making themost effective coices, given your circumstances. ole joyful