Archive for July, 2008

Select the Right Wedding or Anniversary Picture Album

Wednesday, July 9th, 2008

Weddings are arguably the most photographed times in our lives. Everyone has their favorite pictures of their special day but too often these special pictures are relegated to envelopes and drawers. But if you have the right picture frames, displaying these special memories is easy.


One of the best reasons to get your wedding pictures out of the drawer and into frames is because framing a picture helps to preserve it. Your photos will be safe, will look good, and will last a lot longer than pictures that rattle around in a drawer for years. Your photos will be safe from stains and wrinkles and will be displayed where you can share them with friends and family. Picking the right frame is not hard if you know what to look for.  Don’t wait too long–emptying out shoe boxes full of mixed-up pictures won’t get easier over time.


The wedding picture frame should match the style of the wedding. If your wedding was formal, an intricate pewter, crystal, gold or silver-accented framed would be a good choice to accent the formal nature of the wedding picture. On the other hand, if your wedding was very relaxed, a simple frame would be the best match to display your wedding picture in. Wedding pictures taken in the outdoors will look great in natural frames made of paper and other naturally-occurring elements, but may not stand up to the test of time as well as wedding pictures framed in more common materials like wood and metal. Glass frames are also a good choice for wedding photos and have the big advantage of blending in with a majority of styles.


When anniversaries roll around, picture frames can be a great gift. anniversary frames, like wedding picture frames, should reflect the mood of the picture they are meant to display. Pick a frame that complements both the picture that will go in it and the style of the room it will be displayed in. Picture frames can be a unique way to give anniversary gifts because you can give a “traditional” gift that is both useful and beautiful. The first anniversary is traditionally a paper gift, and a hand-made paper frame would be a great choice. A wooden frame would be appropriate for a fifth anniversary where the traditional gift is wood and so on. Because every couple has pictures that are special to them, the gift of a picture frame is a great idea for anniversaries.

Because wedding photos are so important don’t rush into frame decisions quickly but give some thought to which frame will complement your wedding picture the best. Picking the perfect frame may seem like a daunting task, but with a little thought and consideration for all the other elements both inside and outside of the frame, finding one that works beautifully can be done.

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“Life” Insurance versus “Death” Insurance

Wednesday, July 9th, 2008

Every person faces two basic contingencies concerning life: he may die too soon, or he may live too long. This does not mean that he may live too long to suit himself; it means that he may outlive his financial usefulness or his ability to provide for his needs. The first category is physical death. The second is economic death. A man who is forced to retire at 65 from his job, unless he has the substitute income, is financially dead. Economic death also may occur at early ages if the person becomes too disabled or ill to work.

Life insurance protects against premature death. When an insured person dies, the proceeds of the policy are paid to the beneficiary designated in the policy. Annuities protect against economic death upon reaching retirement age. They pay retirement income as long as the annuitant lives. The problem of selecting the best life insurance policy and the right annuity is somewhat more difficult than that of selecting other insurance contracts. A man buying insurance to protect himself against losing his house by fire, for example, is faced with few choices as how to arrange for that protection. The basic policy will be the standard fire policy. To be sure, we will be able to have certain endorsements, attached to the policy to fit it better to his specific needs; but, essentially, he has little choice.

The man deciding to buy insurance protection against premature death, however, does not find the situation so simple. He finds himself facing a host of different types of life insurance policies. Do you choose to go with a “big” name corporation? Or do you choose to insure yourself under an affordable life insurance plan? There are so many options out there, and it is crucial to understand not only the numerous options and words in small print, but also life insurance basics.

A careful inspection of various policies will show that they are by no means identical or even similar. The selection of the right life insurance form is just as important as that of fitting the standard fire policy to the insured’s particular needs.

In a popular motion picture, a southern grandmother is quizzing her nephew, who is trying to sell her a life insurance policy:

“Will this policy insure my living a day longer than the good lord intends me to live?” she asks.

The nephew has to reply that it does not.

“Then,” she says, “you should be ashamed of yourself. You’re not selling life insurance; you’re selling death insurance.”

This criticism is well taken, even though one cannot condone the woman’s condemnation of her nephew for a nomenclature in whose making he had no part. What is called “life insurance certainly could be more realistically called “death insurance.” True, life insurance is really provided by annuities. Be that as it may, usage has established firmly the designation “life insurance” for those contracts which protect against premature death. But why fret over usage of terms, and so on. The most important factor here is the individual, and their specific needs. Choosing the best life insurance for yourself is a choice that is never easily made. It’s extremely advantageous to consider all aspects of each plan wisely, and thoroughly. After all, this is your life we are talking about! You only get one; live it well and wisely.

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How to plant an Organic Flower Garden

Thursday, July 3rd, 2008

It’s undeniable and probably unstoppable. The world is gradually transforming into a place filled with unnatural things. Commercialized areas have replaced forests and environmental sanctuaries, instant food has taken the place of organic fruits and vegetables, and even beauty has become quite artificial with all the advancements in dermatology.

This is not to say that development is an entirely bad thing. But it would sure be nice thing to go back to things that are natural once in a while. A flower garden filled with the natural abundance of fresh and fragrant blooms is truly a refreshing change from the unnatural world we presently live in. This is why organic gardening, which makes use of natural elements to preserve, maintain and care for these flowering plants is the better choice even if it is more challenging.

Using chemicals can make gardening easier but it’s unsafe for the plants, for the environment and for the people around.

To help you as you embark on the journey of organic gardening, here are the steps that you follow:

Select Flower Varieties to Grow

Flower seed selection depends on personal preference but it is a good idea to consider the following factors when choosing flowers: color, fragrance, height and size of the plant, and hardiness. Aside from these, you also have to decide whether you want to grow perennials or annuals. Perennials are those that last for more than one season.

This means less work because there is no need for yearly replanting. They are generally low maintenance and are less prone to pest problems. The downside to having perennials though is that they only bloom flowers for a short time. On the other hand, annuals complete their entire cycle in only one season. They grow foliage, bloom flowers, set seed and then die all in one year. But they have more intense colors and their blooms last for an entire summer giving you plenty of time to bask in their beauty and fragrance.

Ask yourself if you want flowers that last for more than one season, flowers that bloom for a very long time, flowers that are easy to care for, flowers that reseed and so on. This will make it easier for you to make your choice.

Choose the Location

Choose which area in your yard you want to brighten. Some of the things you must consider is if there is adequate space for your plants to grow into mature size, if there is sufficient sunlight that shines on this area and if the soil is loamy and has proper drainage system. It is also important that you clear the area off shrubs, weeds and other plants that may compete with your flowering plants for sunlight and nutrients. If ever there are trees in the spot, plan to place under the trees those variety that can thrive well under the shade.

Buy Flower seeds

You can buy from local garden stores or search online. You will find some online store’s A to Z flower seeds highly useful when doing your seed shopping. Prepare the Soil One of the ways to prepare it is to test the soil’s pH. Get a handful of sample and test it with a soil testing kit to see if it has the neutral pH level of 7. Adding lime can improve the soil’s pH if it is too acidic. Also, most plants grow well in soil that is neither too sandy nor too clayish. Too sandy soil cannot retain water well enough for the roots to absorb its nutrients while too clayish soil cannot drain water efficiently and is difficult for roots to penetrate.

Adding pine bark humus can improve water retention as well as drainage. Furthermore, you also have to clear the area and remove weeds, rocks, dead foliage and roots. Till the area which you will be using as flower bed and apply compost on it two to four weeks before you start planting. This gives the soil sufficient time to absorb the compost.

The best kind of organic matter to use is compost of substances that were once alive such as leaves, grass and kitchen waste. Whether planting perennial or annual flower seeds, preparing the soil is important to ensure that your plants can thrive well in it. Start the PlantingOnce your flowerbed is ready, start digging a small hole and drop a couple of seeds. Cover the seeds with soil and water gently.

Use Compost and Organic Fertilizer

Compost is an excellent way to enhance the structure, texture and aeration of the soil as well as promote fertility and healthy root penetration. Fertilizers meanwhile give additional nutrients to the soil which help plants grow up healthy. It is better to use compost and organic fertilizers because they are safer than chemicals, which integrate toxic substances into the soil.

Not only that, using organic fertilizer encourages growth and promulgation of earthworms, which do wonders in enriching the soil and increasing air space. If you plan to plant perennials, add organic fertilizer and compost at the start of each growing season. While with annuals, you will need to put in one or two organic fertilizer applications during the growing season.

Here are some tips when using organic fertilizer:

1. Follow directions carefully. Remember too much fertilizer can burn the plants while too little can cause weak plants.

2. Give enough time for manure sources to compost to prevent odor and residual disease carryover.

3. It is not advisable to apply fertilizer during fall or winter. Use Natural MulchWhen it comes to mulching, use organic mulch such as shredded leaves, bark chips, compost, or hulls to help retain moisture, prevent weed growth and moderate the temperature of the soil.

Add 2-3 inches of organic mulch around the plants after planting then each year add 2 inches additional mulch. Control Pests NaturallyOrganic pest control is more beneficial than using the chemical approach. Beneficial insects such as ground beetles, wasps, spiders, and ladybugs help fight harmful insects that destroy plants. Planting garlic, chrysanthemums and onions around your garden attract beneficial insects and repel harmful pests.

It is also good to plant flowers that attract butterflies because they help in pollination. Putting up an organic flower garden will not be successful without hard work, patience and skills. But it is more than enough reward to know you are protecting your family from harmful chemicals as well as helping sustain the environment.

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