Very gloomy day so today is for the cheerful yellows
oursteelers 8B PNW
3 months ago
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oursteelers 8B PNW
3 months agoKristine LeGault 8a pnw
3 months agoRelated Discussions
A bit of color for this gloomy day...
Comments (16)Like I need another low grower, but that is going on my want list for sure. That is just to cute!! Adamark do you have a problem with powdery mildew on your bee balm since you plant it in partial shade?? I ask cause I purchased some red bee balm and I know the jacob's clime is good on mildew resistance but the ones I purchased were of the panaroma series and I would love to plant mine in partial shade. Though I don't want to deal with powdery mildew either. I guess I am just curious hearing from someone in a cooler zone than me how theirs does....See MoreA gloomy Day Pic-Me-Upper!
Comments (7)I'm breathless over the St. Tropez... ...you wouldn't happen to want to send a cutting up to the bay area, would you? (can't hurt to ask, right?) The photos are beautiful! Good job! Amanda 'romando'...See MoreNY Times didn't cheer me up today
Comments (14)I find the disconnect in people's minds between Wall St. and Main St. to be quite interesting. The two are inextricably intertwined, yet most consumers don't see the cause/effect. Sales are down because people can't get mortgages easily. Banks are reluctant to extend credit because every loan requires cash reserves to be set aside. Cash reserves must be held in liquid instruments, the safety of which is growing increasingly precarious as the bond market is buffeted by global economic upheaval. Thus, fewer loans are offered. Credit tightens for everyone as margins fall. The largest sources of income for banks, which are fees, have become constricted by the Dodd-Frank legislation (a poorly written monster at best) which Main St. demanded. Poor earnings = weak stock prices = less ability to make loans of any sort except to the highest-rated credit prospects and/or limited amounts. Every time a lawsuit is filed against a bank to stop a foreclosure, other banks slow down their own past due pipeline because without legal clarity as to what their liability might be, they can't accurately forecast losses and earnings, for which Wall St. punishes their stock price. I'm not assigning blame to anyone...just pointing out the way the whole process works. Banks fear regulators more than consumers fear the IRS. I worked in a bank and we got our loans audited four times a year - EVERY YEAR. Not for loan soundness - that's the responsibility of a bank's loan review committee - but for accuracy of paperwork. It was a file clerk's nightmare; in thirty-five years of admin/ops work in several different industries, I've never encountered a more complex and tedious filing system, with literally hundreds and thousands of sheets of paper for every loan. Foreclosures/short sales and new home loans will continue to move through the pipeline, but at a very slow pace until the whole liability issue is fully settled. The shaky futures of Fannie/Freddie are also a huge drag on the mortgage market. You want government out of mortgage loans so we can shrink Washington DC? Sure, you can do it, but there will be higher credit costs and fewer mortgages as a result. It's the way the system works, and unless you want to establish a tyranny and privatize the entire US financial system to overhaul it from the ground up, no amount of Congressional tinkering is going to change things. Hitler did it and it worked. But I don't think I want to live under that, and probably none of the people on this forum want to either....See MoreOMG, Larsi was VERY, very BAD today :-O
Comments (106)I hope I'm not too off topic here, but, MamaP, I have 4 dogs. All small, and I use disposable wee wee pads a lot of the year because they don't tolerate Minnesota winters well, especially my senior Chinese crested. I am interested in washable wee wee pads, not for convenience obviously, but because all the waste from disposable materials. Hearing that you use them, and you wash them at the laundromat, makes it seem....more workable. Any advice on quality of fabric wee wee pad, or your washing routine would be enormously appreciated. I wouldn't think their is enough interest in this topic to start a new thread, but who knows. And I haven't figured out how to pm yet, so I'm asking here. I realize you have a lot going on at home, so no rush, and I hope all is well. Harlow...See MoreKristine LeGault 8a pnw
3 months agoKristine LeGault 8a pnw
3 months agooursteelers 8B PNW
3 months agoAshley Smith zone 5a
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3 months agoMelissa Northern Italy zone 8
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3 months agoelenazone6
3 months agoMarkay MD-Zone 7A (8A on new map)
3 months agooursteelers 8B PNW
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3 months agolast modified: 3 months agoMelissa Northern Italy zone 8
3 months agoSheila z8a Rogue Valley OR
3 months agoSoozie Q, zone 10b
3 months agoerasmus_gw
3 months agoerasmus_gw
3 months agosusan9santabarbara
3 months agosusan9santabarbara
3 months agooursteelers 8B PNW
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3 months agoEllen Harold
3 months agolast modified: 3 months agoBeth Hana
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3 months agoelenazone6
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2 months agoFormerly RBEHS Z10A/S17
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