As the Garden Grows

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Archives for 2007

The Random Link button

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Hey did you notice the Random link button in the sidebar yet?

If you click on the button it will open one of the sites in my blogroll in a new tab or window. Isn’t that just the greatest thing?

Please let me know if you come across a site that’s not working or that is offensive. I haven’t gone through my full blogroll lately so I’m not sure that all of the sites are working. Hopefully they are and you can discover some new sites.

Also, if you use WordPress and if you’d like to get a random link button of your own just visit Owen the creator of the Random Link button. It’s easy to set up.






Do you think personal loans are over used?

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I think there comes a time in almost everyone’s life when they have to apply for a personal loan. How many of my readers have never taken out personal loans? I suspect that only about 10% to 20% of you haven’t taken one out yet.

I bet all of us know people that are living beyond their means and have taken out multiple personal loans just to pay their bills. I see people nodding their heads. I think that is one of the worst reasons to have to take out a personal loan.

I think we have to face that facts that most people, even those living within there means are going to need to take out a loan at some point in their lives. Whether it be unsecured loans, personal loans, a mortgage or even home improvement loans, we’re all going to be in debt one day.

The only loan that we are paying off at this time is our mortgage. That’s a great feeling, because at one point we were paying off two student loans, and a personal loan for our car purchase. Now those are all paid off and it’s just the mortgage that we have to worry about. However, just like anyone else I would suspect that we might take out a personal loan at some point in the future, but I would hope that it would never be because we spent to excess.

How do you feel about people taking out personal loans? Do you think that the people you know do this far too often? Are there better ways to pay of debts than to keep taking out loans?

My view is that a personal loan should really only be taken out by someone who has the means to pay it back in a timely manner. Yes, on the very rare occasion there will be emergency expenses, such as a large hospital bill, that makes it necessary for some to take out a personal loan, but I don’t think that people should take out loans just to get out of debt.

Perhaps the kind of people who take out loans because they’ve over spent should look at debt consolidation or talk to a banker and get some loan advice so that they can understand their spending habits and learn how to overcome that desire to live beyond their means.

What do you think?

Fiery Crocosmia

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crocosmia

One of the most brilliant perennials that I grow in my garden is the Crocosmia. This one is called Crocosmia Lucifer, probably because of it’s fiery flaming red blooms.

It’s extravagant and flamboyant isn’t it?

The plant grows with reedy long leaves that come up in a clump. These green leaves reach three to four feet in height. In mid-July or so the flower stalks begin to grow and this is of course what it looks like in full bloom.

I have a few clumps of this plant that are getting a little unruly and might begin to crowd out other plants if I don’t divide them this spring. I guess this is yet another job that I must add to my list of garden chores in the coming months.

Gardeners, Plant and Nature lovers can join in every Sunday, visit As the Garden Grows for more information.

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