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How to Create Curbside Appeal When Selling Your Home

Simple Ways to Boost Curb Appeal

Beautiful front yard with attractive landscaping

When it comes to your real estate agent selling your home, first impressions matter. Since the front of your house is the first thing potential buyers see, creating great curbside appeal is essential.

1. Take a Hard Look at Your Front Door

The front door is one of the first things visitors notice as they approach your home. A well-maintained, attractive front door can significantly improve first impressions.

  • If the door is faded, consider repainting or restaining it.
  • Alternatively, invest in a new door for a fresh look.
  • Ensure the door handle and lock are in good working condition.

2. Landscape

A bare lawn or empty flower beds gives an unkempt, abandoned look to your home. Here are some simple landscaping tips:

  • Plant sod to create a lush, green lawn.
  • Landscape flower beds with large shrubs at the back, medium shrubs in the middle, and small flowering annuals at the front.
  • Place two pots with fragrant flowers on either side of the front door to create an inviting entrance.

3. Examine the Walkway

A cracked or broken walkway is one of the first things visitors will notice. To enhance curb appeal:

  • Repair any cracks or broken bricks along the path.

4. Wash the Windows

Clean, shiny windows improve the look of your home and provide a clear view of your beautiful landscape. Be sure to:

  • Wash all exterior windows to remove dirt and grime.
  • Polish the windows to make them sparkle in the sunlight.

5. Apply a Fresh Coat of Paint

If it’s been a while since your home was painted, now is the perfect time for a refresh. A new coat of paint can make a big difference. Consider the following:

  • Choose a neutral color that appeals to a wide variety of tastes.
  • If the house was recently painted, consider power washing the exterior to remove dirt and grime.

6. Consider Window Coverings

Don’t forget about the window coverings visible from the outside. Clean and well-maintained window treatments can contribute to a tidy appearance.

  • Ensure there are no stains or dust visible on the underside of the window coverings.

7. Remember the Seasons

Seasonal decorations can add charm and enhance curb appeal. Depending on the time of year:

  • Feature pumpkins, scarecrows, and cornucopias in fall.
  • Hang flags and patriotic decorations for the Fourth of July.

Remember, the goal is to make potential buyers feel like they could live there. By enhancing your home’s curbside appeal, you increase the likelihood that your real estate agent will be able to sell your home faster and at a better price.


Compare Closing Costs and Negotiate When Refinancing

Refinancing? Watch These Closing Costs

Refinancing to take advantage of low interest rates? Refinancing can be a smart way to reduce debt, but it is important to keep an eagle eye on closing costs during the process. Closing costs can average between 2 to 6 percent of the cost of the property—a hefty burden when your overall goal is to get out of debt. By comparing fees thoroughly, you can see how your loan options stack up.

5 Fees to Watch When Refinancing

You are likely to encounter these fees as you refinance. Be aware that some are non-refundable if you do not complete the loan process.

  1. Application charge: The fee to process your loan request, including a credit check. This can range from $75 to $300, and you may still need to pay even if refinancing is denied.
  2. Appraisal fee: Covers the cost of appraising your home to ensure it meets loan value requirements. Appraisals typically range from $300 to $700.
  3. Inspection fee: Some lenders require a home inspection for termites and structural soundness. Costs can range from $175 to $400.
  4. Loan origination fee: This fee includes evaluating and processing your loan. It may be negotiable and can be up to 1.5% of the loan principal.
  5. Points: One point equals 1% of your mortgage amount. Paying points—known as loan-discount points—can reduce your interest rate. These are negotiable with your lender.

Use the Good Faith Estimate to Compare Loan Offers

After submitting your mortgage application, you should receive a Good Faith Estimate (GFE). This document outlines the key loan details to help you compare offers. Understanding the total loan cost allows for a well-informed decision—don’t hesitate to ask your lender questions.

If refinancing to lower debt is the right decision for you, contain costs by shopping around for services and negotiating lower fees. This strategy supports your financial goal of reducing debt.

About the Author

Julie Bawden-Davis is a Southern-California-based writer specializing in personal finance and insurance. Since 1983, her work has appeared in publications including Family Circle, Ladies’ Home Journal, Parenting, Entrepreneur, and The Los Angeles Times.

6 Ways to Safeguard Your Small Business’ Data

AUGUST 22, 2012

To CPA John Bierman, data security tops the list of his company priorities.
“I can’t work without my data, and it’s critical that it’s protected from the outside world for my sake and the confidentiality of my clients,” he says.

Bierman experienced a hardware failure that could have compromised his data, but protection measures ensured that his computer system was restored with no loss or security breach.

Thanks to constantly improving technology, it’s never been easier for the small-business owner to effectively and economically
protect data,
says Greg Davis, owner of South Coast Computers,
a Southern California full-service computer company founded in 1991 that provides data protection packages to small businesses.


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Take advantage of the many data protection products on the market today, and you can guarantee access to your company information when you need it. Davis shares these steps to ensure your data stays secure and available:

1. Back it up or else

The surest way to guarantee your company information is available is by using an automated backup system. Davis highlights two types of backups:

  • External/Offsite (Cloud Backups): These store your data on the cloud and replicate it continuously. However, restoration can be slow and expensive if large volumes of data are involved.
  • Internal/Onsite: These use local storage such as network-attached storage or tape drives, offering quick and consistent access to backups.

Transitioning to cloud backups may take time depending on data volume, so an additional backup system is recommended during the initial switch.

2. Take advantage of virtual servers

Virtualization technology allows small businesses to run multiple systems simultaneously. If one fails, the other ensures continuity with zero downtime.

3. Maintain firewalls

Firewalls protect your data from external threats. Davis recommends:

  • Hardware firewalls: Filter data before it enters your network, offering better protection.
  • Software firewalls: Attempt to block threats after they’ve entered, which uses up bandwidth and slows performance.

4. Employ content filters

Content filters restrict access to potentially dangerous or inappropriate websites, improving both security and productivity.

5. Use anti-virus and spam filters

  • Anti-virus software: Scans continuously for threats, quarantining and deleting harmful files.
  • Spam filters: Reduce junk email, helping maintain system performance and email security.

6. Rely on UPS power support

A UPS (Uninterrupted Power Supply) acts as a surge protector with battery backup. It prevents data loss and hardware damage during outages or voltage fluctuations.

“A UPS acts as a buffer,” says Davis. “If power cuts off, it allows your system to shut down safely and prevents data corruption.”

While protecting your company’s data requires attention to detail, the peace of mind and operational continuity it provides is well worth the investment.

A freelancer since 1985, Julie Bawden-Davis has written for many publications, including Entrepreneur, Better Homes & Gardens, and Family Circle. Julie blogs via Contently.com.

What Should Be in Your Employee Handbook?

What to Include in Your Employee Handbook

If your employee handbook needs an update, or you’re putting one together for the first time, here’s what you need to know. An employee handbook is a vital manual that outlines your company’s rules and expectations. It protects both the employer and the employees, but it’s only as effective as the information it contains.

Ensure your employee manual is comprehensive by including the following key sections:

1. Welcome and Introduction

Take this opportunity to welcome employees and introduce your company. Share a brief history of the business, including when and how it started. This section should also convey the company’s motto and mission. For example, a computer consulting firm may stress exceptional customer service as a top priority.

2. At-Will Employment Statement

Clarify that employment is at-will—employees and employers can terminate the relationship at any time, for any lawful reason.

3. Equal Opportunity Commitment

State your compliance with all federal and state equal opportunity laws and your dedication to a fair and inclusive workplace.

4. Policy Against Sexual Harassment and Discrimination

Detail your zero-tolerance policy for harassment and discrimination, and outline procedures employees should follow to file complaints.

5. Payment Policies and Benefits

Explain:

  • When and how employees are paid
  • Reporting hours and overtime guidelines
  • Meal and rest break policies
  • Paid sick leave, vacation, holidays
  • Health and retirement benefits

6. Expense Reimbursement Guidelines

List qualifying expenses (e.g., travel, mileage, parking) and instructions for reimbursement.

7. Employee Conduct Rules

Break this section into subcategories, including:

  • Job performance standards and performance reviews
  • Workplace behavior expectations (professionalism, punctuality, client interaction)
  • Company dress code
  • Prohibited behaviors (e.g., drinking on the job), disciplinary procedures, and grounds for termination

8. Health and Safety Concerns

Emphasize workplace safety, emergency procedures, and protocols for handling violence or hazards.

9. Employee Privacy Guidelines

Outline employee rights and limits regarding company email, phone, and internet usage. Specify what is considered inappropriate and when it may lead to discipline.

10. Employee Files and Rights

Explain that files are maintained securely and kept confidential. Employees have the right to review their own file upon request.

11. Non-Disclosure and Conflict of Interest

Highlight the importance of protecting sensitive company information and define what constitutes a conflict of interest. Provide protocols for reporting potential breaches or conflicts.

12. Receipt and Acknowledgment Page

Include an acknowledgment form that employees must sign to confirm they’ve read, understood, and agreed to the handbook. This should be filed with the employee’s records.

Including these essential sections in your handbook ensures clarity and consistency for everyone in your organization.

About the Author

Julie Bawden-Davis is a freelance writer whose work has appeared in publications like Entrepreneur, Better Homes & Gardens, and Family Circle. She blogs via Contently.com.

Is It Possible to Refinance an Underwater Mortgage?

Refinancing Options for Underwater Mortgages

With mortgage rates at record lows, refinancing is an appealing option that can offer debt relief—especially by converting a high-interest
adjustable-rate mortgage (ARM) into a low fixed-rate loan.
You may think this isn’t possible if you owe more than your home is worth, but government-sponsored refinancing programs can make it achievable even if you’re underwater.

Home Affordable Refinance Program (HARP)

The Making Home Affordable (MHA) program was introduced by the Obama Administration to help homeowners avoid foreclosure. One of its key components is the
Home Affordable Refinance Program (HARP),
which is designed to help individuals who owe more than their home is worth refinance into a more affordable mortgage.

Eligibility requirements for HARP:

  • You must not be delinquent on your mortgage payments.
  • Your mortgage must be owned or guaranteed by Freddie Mac or Fannie Mae.
  • The loan must have been sold to Freddie Mac or Fannie Mae on or before May 31, 2009.
  • Your current loan-to-value (LTV) ratio must be greater than 80%.

This program is specifically designed for homeowners with little or no equity.

FHA Short Refinance

Also part of the MHA initiative, the FHA Short Refinance program helps homeowners refinance into more affordable, stable FHA-insured mortgages.
Your current lender must agree to participate and reduce your mortgage balance to no more than 97.75% of your home’s current market value.

Eligibility requirements for FHA Short Refinance:

  • You must owe more than your home is currently worth.
  • Your mortgage must not be owned or guaranteed by the VA, USDA, Freddie Mac, Fannie Mae, or FHA.
  • You must be current on your mortgage payments.
  • The property must be your primary residence.
  • Your total monthly debt must not exceed 55% of your gross income.
  • Applicants with certain felony convictions within the past 10 years are disqualified.

With the right knowledge and resources, refinancing an underwater mortgage is not only possible—it can dramatically
improve your financial situation.

About the Author

Julie Bawden-Davis is a Southern California-based writer specializing in personal finance and insurance. Since 1983, her work has appeared in numerous national publications,
including Family Circle, Ladies’ Home Journal, Parenting, Entrepreneur, and The Los Angeles Times.

Eight Steps for Finding the Perfect Vacation Rental Home

8 Easy Steps to Find the Perfect Vacation Rental

Finding the perfect place to stay is an important component of any vacation. Follow these eight easy steps to find the vacation rental that’s right for you.

1. Decide on an Ideal Location

Would you rather be:

  • On the beach?
  • In the downtown area?
  • On a quiet piece of land outside the city?

Narrow your search to a specific radius to save time and effort.

2. Set a Budget

Establishing a budget ensures you won’t overspend on lodging and limit your fun during the trip. Decide on:

  • The maximum you’re willing to pay
  • Your ideal price range

Keep that figure in mind while searching and negotiating rental prices.

3. Set Your Priorities

Decide what’s most important in your rental. Ask yourself:

  • Do you need a pool?
  • Is walkability to restaurants and nightlife key?
  • Is a large kitchen or family space a must-have?

You may have to compromise, so define your deal-breakers early on.

4. Complete a Thorough Search

With so many vacation rentals available, take your time:

  • Explore online listings thoroughly
  • Take virtual tours
  • Read reviews from past guests
  • Ask the property manager for references if reviews are unavailable
  • Consult with a travel agent and provide your preferences

5. Get the Specifics

Know what’s included in the rental:

  • Are linens and towels provided?
  • Is the kitchen fully stocked (pots, pans, paper towels, coffee maker)?

If you’re flying, included essentials are a must. If you’re driving, you can pack what’s missing—but avoid having to shop upon arrival.

6. Discover the True Price

Look beyond the base rate. Ask about:

  • Security deposits
  • Laundry or parking fees
  • Cleaning service charges
  • Utility fees (e.g., heating or cooling)

Find out when payments are due and acceptable payment methods.

7. Negotiate an Agreement

A written agreement is essential. Ensure it includes:

  • Financial details and payment schedule
  • Length of stay
  • Allowed and prohibited activities
  • Cancellation policy
  • Key exchange instructions

8. Research the Surrounding Area

Learn more about the local neighborhood before you arrive:

  • Find nearby grocery stores and restaurants
  • Check out local attractions and entertainment
  • Look into potential safety concerns, especially when traveling abroad

Make Your Travel Dreams a Reality

Finding the perfect vacation rental can set the tone for your entire trip. With a little planning and research, you’ll find a place that fits your needs and lets you relax in style.

How to Start a Business the Right Way

How to Evaluate a Small-Business Opportunity

Published: July 4, 2012

Evaluating small-business opportunities can save you time, money and headaches down the road. Small-business owner Jason Geno took more than a year to plan before launching his consulting firm, Human Capital Initiatives (HCI), which now generates over $1 million annually.

Take a Planned Approach

“From the first day I decided to start my own business, I took a planned approach to investigating various business options,” says Geno, whose firm advises public agencies and mid-sized companies on operational efficiency.

Seek Guidance from Experts

Lang Glotfelty, chairman of the San Antonio chapter of SCORE, advises entrepreneurs to spend at least six months evaluating their business idea. Glotfelty, who has started seven businesses himself, emphasizes the importance of thorough research and mentorship through programs like SCORE, sponsored by the SBA.

Key Factors to Consider

1. Consider Your Background and Interests

Focus on fields where you have experience and genuine interest.

  • Your passion will help sustain you through the early, intensive years.
  • Familiarity with the field makes operations smoother.
  • Leverage your existing network and industry contacts.

2. Identify a Market Need

Geno identified a lack of consulting services for mid-sized companies and filled the gap. To identify your market:

3. Determine the Right Location

Depending on your business type:

  • Retail businesses need high-traffic areas.
  • Service businesses may operate from home or remotely but still need easy access to clients.

4. Run the Numbers

Planning financially is key. Glotfelty recommends:

  • Outlining a 12-month financial plan: costs, projected income, and break-even point.
  • Identifying funding sources such as savings, bank loans, or personal credit.

Final Thoughts

Evaluating a small-business idea thoroughly increases your chances of success. Consider your interests, assess market needs, choose the right location, and build a realistic financial plan.

What are your favorite methods for evaluating business opportunities?


About the Author

Julie Bawden-Davis is a Southern California-based writer and freelancer since 1985. She has contributed to Entrepreneur, Better Homes & Gardens, Family Circle, and more. Find her work at Contently.com.

Photo credit: Thinkstock

Planning an Event? Find the Perfect Florist

Flowers add a decorative touch to any occasion, and guests are always impressed with an interesting arrangement. Here’s what to look for in a florist for your special event.

Top Quality

Visit the florist shop personally and take a good look around. The merchandise you see is most likely representative of the floral arrangements you can expect at your event. Look for the following:

  • Is the shop organized and well run?
  • Are the arrangements creative, attractive, and fresh?
  • Is there a good selection of arrangements?
  • Would you be proud to have these displays at your event?

Impeccable Customer Service

It’s critical that your flowers arrive in good shape and as planned on the day of your event. Seek out a florist that offers great service both on the phone and in person. Keep an eye on the following:

  • How does the florist interact with customers?
  • Are they happy to answer all of your questions?
  • Are their hours convenient for your schedule?

Customized Attention

Your event is unique, and the florist should treat it that way. Avoid florists that offer generic advice and products. Look for a florist who:

  • Asks specific questions about your event.
  • Responds with personalized advice and several options to choose from.

Happy Customers

Professional florists are willing to share the names and contact information of customers who have given permission. Ask previous clients about their experiences, particularly those who held similar events. Try to get detailed feedback about the flowers and the event.

Check DexKnows for reviews of the florist you’re considering.

On-Time Delivery

Punctuality is essential when it comes to floral delivery. Ensure the florist:

  • Has a reliable delivery system in place.
  • Has contingency plans for traffic or other delays.
  • Uses reputable delivery services if outsourced.

When checking references, ask customers about the punctuality of the delivery service and the quality of the flowers upon arrival.

Professional Ties

Reputable florists generally belong to professional organizations. This allows them to stay current on trends, access training, and maintain licensing. Look for seals from organizations such as:

Also check for membership in local and state organizations.

Now that you know what to look for in the perfect florist for your special event, you can enjoy floral arrangements that wow guests.

Category:
Events,
Florists

About the Author ()

Julie Bawden-Davis is a Southern-California-based writer specializing in home and garden, real estate, small business, and personal finance. Since 1985, her work has appeared in a wide variety of publications, including Family Circle, Ladies’ Home Journal, Better Homes & Gardens, Entrepreneur, and The Los Angeles Times. Julie is a University of California Certified Master Gardener and has written five gardening books, including Reader’s Digest Flower Gardening.

Seeing the Writing on the Wall

A pioneering business owner tells entrepreneurs to follow their gut on whether a business idea is a good one.

Writer/Author/Publisher/Speaker, Garden Guides Press

APRIL 27, 2012

Carrol Caldwell’s Journey

For graphic designer Carrol Caldwell, the idea for her company started with her teetering on a ladder in 1998. A lover of typography, Caldwell was trying to paint a Yeats quote on her bathroom wall. It dawned on her that there must be an easier way. Thus she created Wall Words, the first company to sell vinyl wall lettering.

Fast forward to 2012, and Caldwell’s business is still going strong. She employs six people and did $550,000 in revenue last year. Her quotes and wall art are found throughout thousands of residences and businesses, including the Pentagon’s commissary.

Education and Commitment

When Caldwell started 14 years ago, the idea of decorating with vinyl lettering and incorporating words into interior design was a new concept. As a pioneer in the field, she had to educate consumers and have faith in the product, even when others didn’t. During her initial market research, she found some resistance to the idea of decorating with words.

  • “I surveyed a network group I belonged to, and none of them thought the idea was worth pursuing,” says Caldwell.
  • “When you believe in your mission and product, ignore the nos. Do your due diligence, but at the end of the day, listen to your gut and go for it.”

Words on walls are now commonplace, and Caldwell shares today’s market with other manufacturers.

Keys to Success

Caldwell started her career in aerospace, where she was a graphic designer for 17 years before striking out on her own. She consulted with the career counselor at the company where she worked. The counselor advised seeking a degree in business since her design skills were already honed. That decision to focus on business techniques helped her build Wall Words.

  • “Studying business introduced me to a variety of essential skills, such as the importance of quality control, hiring effective employees and knowing when to ask for help,” she says.
  • Caldwell is also involved in the SCORE program and regularly participates in CEO Forums to connect with fellow business owners.

She takes business improvement classes at SCORE, where she has received valuable insights such as website performance tips, like fixing broken links and improving navigation.

Weathering the Recession

Prior to mid-2008, Caldwell posted $1 million in annual sales and had 11 employees. During the recession, she cut her workforce in half and saw sales dip by 40%. Despite the challenges, she stayed in business and remained profitable. She attributes her survival to facing reality head-on.

  • “When the economy is rough, it’s hard for many small business owners to accept the fact that cutting costs is a necessity if you want to stay in business,” Caldwell says.
  • She moved to a smaller office, reduced expenses, and became more selective with advertising.

New Products

Successful entrepreneurs stay ahead by responding to trends. For Caldwell, this meant expanding her offerings to include quality vinyl wall art when copycat brands entered the market. Her most recent innovation is a hot rod collection, which has been well-received by her customers.

  • “The guys love the hot rods because they finally get the car they always dreamed about,” says Caldwell.

For Caldwell, remaining profitable and enjoying herself as a small-business owner means constantly creating new, fun products.

A freelancer since 1985, Julie Bawden-Davis has written for many publications, including Entrepreneur, Better Homes and Gardens and Family Circle. Julie blogs for Contently

Why Retirement Should Be a Top Priority for Female Business Owners

When it comes to retirement, the sooner women business owners start planning for a fruitful future, the better.

Writer/Author/Publisher/Speaker, Garden Guides Press

MARCH 22, 2012

Retirement Planning for Women Business Owners

Seven years before Donna Hopson planned to retire, the small-business owner mustered the courage to develop a concrete financial plan for retirement.

“Even though I ran a retirement planning consulting company and was saving, I hadn’t figured out exactly how much money I needed to retire,” says Hopson, based in Southern California. “I had a great awakening when I did the math, discovering that I needed to save 300 percent more each year in order to retire when I wanted.”

Hopson’s Retirement Journey

Hopson buckled down and made the contributions, which amounted to $30,000 to $50,000 annually, and retired four years ago. “Calculating exactly how much I needed to retire was absolutely essential,” she says.

Retirement Planning Discrepancies

Though women are concerned about retirement, a study on women business owners and retirement planning conducted by the American College’s State Farm Center for Women & Financial Services shows that these concerns are not a top priority, according to certified financial planner Mary Quist-Newins, director of the State Farm Center for Women & Financial Services.

“While an overwhelming majority (84 percent) of female business owners in the study were concerned about retirement, only 25 percent had retirement plans in place such as SEP IRAs and 401Ks,” says Quist-Newins. “And when it came to planning and estimating how much they were going to need, a full one-third hadn’t attempted those calculations.”

Similarly, only 10 percent of women business owners worried about not having a solid plan in place, and just 23 percent were concerned about having to continue working into retirement to make ends meet, according to the study.

The Biggest Mistake Women Make

“Every study shows that the biggest mistake women make when it comes to retirement planning is not figuring out how much they need,” says Cindy Hounsell, President of the Women’s Institute for a Secure Retirement (WISER).

Hounsell started the nonprofit after working for a government-funded women’s pension project. “Women called in with heart-wrenching stories of having lost pensions and living on very little,” she says. “It became apparent to me that the sooner women take stock of their retirement financial needs, the better. Doing so is a lot like getting on the scale. It can be intimidating, but it gives you the information you need to make changes.”

Paradigm Shift for Women Entrepreneurs

“For women entrepreneurs, the real fun in owning a business is making it grow,” says Hopson. “It’s natural to focus on developing the business. Shifting to the phase of making the business as profitable as possible so you can save for your exit takes a complete change in mindset, but it’s necessary. If you don’t plan for retirement, years pass by and you can’t get them back.”

Making Retirement Planning Easier

Making retirement planning a top priority can actually be easier for female entrepreneurs, who are accustomed to analyzing income, expenses, and cash flow, notes Quist-Newins.

“Once you know what you need financially to retire, you can determine the feasibility of saving what you require within the time-frame,” she says. “If your goal is not possible, you can delay your retirement date or reduce your planned living expenses.”

Including the Sale of Your Business

Depending on your business and its marketability, you may also be able to add the sale of your business to your retirement portfolio. Hopson lived off the proceeds from the sale of her business for the last four years and is only now dipping into savings.

“Selling the business at a profit and saving enough to retire took planning,” says Hopson. “The fairy godmother of retirement is not going to wave her magic wand. You’ve got to make the calculations, set your goals, and then meet them.”

A freelancer since 1985, Julie Bawden-Davis has written for many publications, including Entrepreneur, Better Homes & Gardens and Family Circle. Julie blogs via Contently.com

Healthcare: How Group Purchasing Saves Money

FEBRUARY 23, 2012

How Medical GPOs Help Small Practices Save Money

Medical practices face high operational costs that continue to rise each year. Group purchasing organizations (GPOs) offer a risk-free way to save money, benefiting practices of all sizes.

How GPOs Work

GPOs leverage the collective bargaining power of their members to secure discounted rates on medical supplies and services. This collaboration enables even the smallest medical practices to access significant savings on essential items, such as vaccines.

Bolstering the Bottom Line

Brandon Betancourt, an MBA and practice administrator for Salud Pediatrics in Algonquin, Illinois, explains:

“If your practice doesn’t belong to a GPO, you’re losing money. Vaccines are the second most expensive line item on our income statement. If a small practice spends $220,000 a year on vaccines and their GPO negotiates a 15 percent discount, that’s a $33,000 savings. For larger practices, which can easily spend a million dollars on vaccines annually, the savings are even more significant.”

GPOs Benefit All Physician Specialties

GPOs offer savings across various specialties, including pediatrics, family practice, internal medicine, obstetrics, and gynecology. According to Paresh Patel, national sales manager for CCPA Purchasing Partners (CCPAPP), GPOs are especially important for medical practices facing:

  • Decreasing reimbursements from managed-care companies, Medicare, and Medicaid
  • The need to reduce operational expenditures

In addition to vaccines, some GPOs offer additional savings by contracting with vendors for:

  • Medical and office supplies
  • Payroll services
  • Medical-waste disposal

The Role of GPOs in the Changing Healthcare Landscape

In light of current healthcare reforms, Patel highlights that many hospitals are purchasing large physician practices to increase patient volume. However, independent medical practices that are not acquired must remain financially stable, and GPOs can help them achieve this goal.

Minimal Outlay for Joining GPOs

Most GPOs do not charge physicians to join, as they generate revenue from vendors who seek access to large groups of physicians. This arrangement saves vendors money on marketing and promotional costs.

If a GPO does charge a fee, it is typically nominal. For example, CCPAPP offers an associate membership that is free, as well as a limited partnership membership for a small fee of $10, which qualifies physicians for a year-end financial distribution.

Minor Restrictions

Most GPOs allow practices to choose which vendors to work with. For instance, CCPAPP has a roster of 15 vendors, and practices can opt in or out of these contracts at any time.

While GPOs generally do not have strict purchasing requirements, some, like CCPAPP, require vaccine compliance, which involves committing to purchase vaccine products from a single manufacturer. Practices may not be able to purchase competing vaccine brands.

Easy to Join

Joining a GPO is simple. Betancourt advises, “All you have to do is pick up the phone and ask for an application.”

A freelancer since 1985, Julie Bawden-Davis has written for many publications, including Entrepreneur, Better Homes & Gardens, and Family Circle. Julie blogs for Contently

Photo credit: Thinkstock

How One Company Grew Over 1,000 Percent in Just 3 Years

Writer/Author/Publisher/Speaker, Garden Guides Press

FEBRUARY 22, 2012

Dumpster Diving: A Surprising Strategy for Success

When property manager Rebecca Stum met with an account manager from the environmental waste management company CleanScapes, she expected a quick review of the trash arrangements for her company’s 35 properties. What she didn’t expect was for the representative to go dumpster-diving.

“I was really surprised when the representative, who wore a cute skirt and heels, put on rubber gloves and sifted through our trash,” says Stum, who works at Allegra Properties in Seattle’s Belltown neighborhood. “We spent two hours touring our trash facilities as she pulled out recyclable items and explained that we could reduce trash removal costs if we educated tenants about recycling.”

Why CleanScapes Stands Out

CleanScapes’ commitment to superior customer service, including their attention to detail, played a key role in its rapid growth. The company was named one of Inc magazine’s fastest-growing private companies in 2011.

Exponential Growth

Founded in 1997, CleanScapes initially provided subscription-based environmental services such as graffiti removal and litter control in Seattle’s Pioneer Square. The company expanded into solid waste and recyclable collection, growing from $4 million in revenue in 2007 to nearly $50 million in 2010.

What fueled this exponential growth was CleanScapes’ innovative programs like the Dumpster Free Alley project, which replaces dumpsters with daily bag collection to keep alleys clear. The success of this program led to the creation of Seattle’s Clear Alleys Program.

City Contracts

In addition to its impressive growth, CleanScapes secured several city contracts. After winning waste service contracts for three municipal areas, the company’s workforce expanded dramatically from 25 to 300 employees.

John Taylor, CleanScapes’ community and government affairs manager, noted, “When we won the municipal contracts, we dramatically expanded the scope of our operation, undertaking one of the biggest U.S. garbage contract transitions in the last several decades.”

Motivated Employees

The company attributes its success in customer service to its motivated workforce. CleanScapes fosters a positive employee culture by clearly communicating its mission and goals, and providing employees with the necessary tools for success.

  • Employees are encouraged to voice their opinions during weekly management meetings.
  • Advanced technology, such as 360-degree cameras on trucks, helps track the service quality.
  • The company has a flat management structure that connects employees directly to leadership.

Lofty Goals

CleanScapes’ success story is also driven by bold goals set by its president, Chris Martin. The company plans to secure garbage contracts in every suburban city in King County.

“When you set formidable goals, what’s the worst that can happen?” says Taylor. “If you achieve half of your goals, you’re better off than you were before.”

A freelancer since 1985, Julie Bawden-Davis has written for many publications, including Entrepreneur, Better Homes & Gardens, and Family Circle. Julie blogs via Contently.com

Photo credit: Thinkstock

Back to Basics: Finding the Right Signage for Your Retail Business

Don’t underestimate the value of an attractive sign. They brand your business, promote sales, and drive traffic.
Julie Bawden-Davis

Writer/Author/Publisher/Speaker, Garden Guides Press

FEBRUARY 09, 2012

Jeff Moore knows that when your store is located in one of the largest malls in America, you have seconds to engage customers and get them to walk in. That’s why the partner of the shoe boutique, Stilettos, relies heavily on signage. “Signs are the primary vehicle that bring people into the store,” says Moore, whose shop is in the King of Prussia Mall in Pennsylvania. “As a small merchant, it pays to look like the big guys, and our signs help us do that. People often walk into the store commenting on the quality of our signage.”

Signs brand a business, promote sales, and drive traffic, says Sruly Markowitz, COO of StoreSigns.com, a company that has developed signage for large retail entities like Zales and now offers signage services to small-business owners. “Studies have shown that signage has more influence over shoppers than social media, websites, and e-mail marketing.”

What Makes a Good Sign?

Knowing the qualities to look for in effective signage helps you take advantage of this tried-and-true form of marketing. Here are some key factors to consider:

Good Looks

Winning signs feature attractive, engaging photos or illustrations. Before your sign is printed, check artwork, suggests Carrol Caldwell, owner of Wall Words in Santa Ana, Calif. Her company creates business signage, including vinyl lettering for walls and windows, digital posters, and banners.

  • If the sign will be viewed close-up, ensure the artwork is 300 DPI; if viewed from a distance, 72 DPI will suffice.
  • Avoid confusion by using a maximum of three fonts on each sign.
  • Ensure the text is large enough to be read from a distance.
  • For vinyl window lettering, use a light, bright color, as darker hues don’t stand out.
  • Avoid a cluttered look by aiming for brevity in your message.

Markowitz suggests hiring a graphic artist if sign design isn’t your area of expertise. “Getting assistance is especially important if you are going directly to a printer for your sign, because printers specialize in printing, not design,” he says.

Quality Materials

Top-quality signs are made from high-quality materials. “It’s important that the paper used is premium and the printers are properly color-calibrated,” says Markowitz, whose company uses products like 10-point durable premium paper stock and 13-ounce outdoor vinyl banner material.

  • Avoid cheap, thin paper that crinkles and fails to hang well.
  • Paper that’s too thick will curl when hung due to being rolled in a tube for shipping.
  • The weight/thickness of the paper should match the amount of ink used on the sign.

Pricing

Fortunately, a high-quality sign doesn’t have to cost a fortune. Brick-and-mortar and online sign shops usually charge by the foot for large signs, which varies by the materials used. Here’s an overview:

  • Large signs can cost as low as $1 per square foot for banners.
  • Smaller signs can run as high as $10 per square foot.
  • Caldwell’s 5- to 6-foot vinyl window signs typically cost $100, including installation.
  • Graphic design assistance can cost between $75 to $200, with stock photos ranging from $10 to $50 each.

In today’s challenging economic climate, it pays to know that you can inexpensively and effectively copy the large chains and reap the benefits of traffic-stopping signage.

A freelancer since 1985, Julie Bawden-Davis has written for many publications, including Entrepreneur, Better Homes & Gardens, and Family Circle. Julie blogs via Contently.com

Ten Innocent Ways to Damage Your Credit Score

10 Innocent Ways to Damage Your Credit Score

You already know that late payments or a bankruptcy filing can damage your credit score. But did you realize that seemingly minor financial decisions can also cause your score to plummet? Keep your credit report pristine by avoiding these potentially destructive moves whenever possible.

1. Opening a Department Store Card

Opening a store credit card may earn you an instant discount, but it usually initiates a hard inquiry on your credit report, which can cause your score to dip.

2. Closing a Credit Card Account

It might feel good to close a paid-off card, but doing so can shorten your credit history—a key factor in your credit score. Instead, leave the account open to maintain credit length and utilization.

  • Length of credit history counts for 15% of your score
  • Closing older accounts can lower your score
  • Keeping cards open improves utilization rates

3. Keeping a Zero Balance

Leaving a small balance on your card can actually help your credit score by contributing to your credit utilization ratio. Cards with no balance may not be factored in the same way.

4. Disputing a Credit Card Transaction

While it’s wise to challenge unauthorized charges, be cautious when applying for credit soon after. Disputes can temporarily remove accounts from credit scoring models, affecting utilization.

5. Purchasing a Cell Phone Plan

Many cellular providers run a hard credit check, which can ding your credit by a few points. Avoid multiple inquiries by limiting how many providers check your report.

6. Buying Auto Insurance

Insurance carriers often check your credit. Though a good score may yield discounts, weigh the financial benefit against the potential drop in score from a hard inquiry.

7. Negotiating a Lower APR

Negotiating for a lower APR is smart, but ensure your creditor doesn’t reduce your credit limit. That would negatively impact your credit utilization ratio.

8. Taking Out a Student Loan

Student loans can appear as multiple accounts on your credit report if disbursed per semester. Consider consolidating after graduation to simplify and improve your credit standing.

9. Keeping a High Balance

Your credit score suffers when you use a large portion of your available credit. Aim to keep your usage below 35% of your total limit.

10. Buying a Motorcycle

Motorcycle loans are often considered revolving credit, which can resemble credit card debt and negatively affect your score. Consider this before making a purchase.

Conclusion

Some of these moves may be unavoidable, but understanding their impact allows you to make informed decisions. Avoiding or properly timing these actions can help maintain a healthy credit score.

Original article source: 10 Innocent Ways to Damage Your Credit Score – SavingsAccounts.com

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Deck Contractors


10 Innocent Ways to Damage Your Credit Score

You already know that late payments or a bankruptcy filing can damage your credit score. But did you realize that otherwise insignificant financial decisions can also cause your score to plummet? Keep your credit report pristine by avoiding these potentially destructive moves whenever possible.

1. Opening a Department Store Card

It may seem like a great idea when the cashier suggests it: open a store credit card, receive an instant discount on your purchase. But it often pays to decline the card in spite of the discount, because the savings may not be worth what the transaction will do to your credit score. New card applications initiate a hard inquiry on your credit report, which can lead to a drop in points.

2. Closing a Credit Card Account

If you’ve scrimped and struggled to pay off a card, your initial reaction may be to cut up the plastic and close the account. Resist the urge. Various factors are taken into account when calculating your creditworthiness, and 15% of your score is determined by the length of your credit history. By closing an account—especially an older one—you shorten your credit history. The more established accounts you have, the higher your credit score.

Credit card companies also look at how much of your available credit you are using, which is referred to as your credit utilization rate. They like to see 35% or less of your credit in use at any one time. Paying off a credit card and leaving it open improves your utilization score, but closing it could do just the opposite.

3. Keeping a Zero Balance

Paying a credit card off completely seems like it should do wonders for your credit, but it could be better for your credit score to leave a small balance on the card. When a small amount is owed, the remaining credit on your card is factored into your credit utilization ratios, whereas cards with no balance don’t count. So oddly, your credit score can actually drop when you bring a card down to zero.

4. Disputing a Credit Card Transaction

Of course, you’ll always want to call your card issuer when curious charges appear on your credit card. But be aware that filing a dispute may cause the card to be temporarily removed from your credit scoring, and this could also negatively affect your credit utilization score. If at all possible, avoid filing disputes when you’re planning on applying for credit in the next 60 days.

5. Purchasing a Cell Phone Plan

Many of today’s cellular phone providers check credit history to make sure that you pay your bills. But doing this constitutes another hard inquiry that is likely to ding your credit score by a few points. Shopping around for the best cell phone deals is a good thing—just make sure that every provider isn’t checking your credit.

6. Buying Auto Insurance

Again, most major auto-insurance carriers check your credit report when you apply. While a good credit score can earn you lower rates on insurance, make sure the savings you receive from the new policy outweigh the potential hit to your score.

7. Negotiating a Lower APR

Negotiating a lower APR on your credit card may seem like a smart move for cutting expenses and boosting your savings account, but make sure when you do that your creditor doesn’t reduce your credit limit. If that happens, it could affect your credit utilization ratio and lead to a drop in points.

8. Taking Out a Student Loan

Student loans are often reported as they are disbursed, which means that a single loan can appear on your credit report multiple times. For instance, if you receive loan disbursements each semester during four years in college, this could look like eight separate loans. Consolidating all of the loans after graduation can improve your credit score, but in the meantime, be wise in your borrowing.

9. Keeping a High Balance

If they didn’t want you to use a lot of credit, why did they make your card limit so high? In reality, the amount you owe on your accounts determines about 30% of your credit score. Lenders consider those who use a low percentage of their credit—such as 35% or less—to be a low credit risk. Such individuals get a higher credit score as a result. Spending 80 to 90% of your available credit limit negatively affects your credit score for the opposite reason.

10. Buying a Motorcycle

It might seem unfair because they are technically vehicles, but motorcycle loans are often categorized as revolving credit. This can lower your credit score since such loans look no different than substantial credit card debt. So make sure you really want that new sport-bike before you roll it off the showroom.

Conclusion

Naturally, some of these transactions are easier to avoid than others. But by knowing the threat they pose to your credit, you can have a better understanding of when these moves really make sense.

More On This…

The original article can be found at SavingsAccounts.com: 10 innocent ways to damage your credit score

Landscapers And Gardeners

Choosing the Right Yard Professional for Your Dream Landscape

Enjoying a lush landscape is a true pleasure. The key to obtaining a yard that looks its best is hiring the right yard professional. Understanding the services landscapers and gardeners provide, their differences, and their respective costs are the first steps to achieving your dream landscape.

4 Signs of a Professional Landscaper

Hiring the right landscaper is essential for creating and maintaining your perfect landscape. Here are four key signs of a professional landscaper:

  1. Insured and Licensed: Legitimate landscape contractors and architects protect themselves and you by carrying liability and worker’s compensation insurance. They are licensed through local government authorities and members of organizations such as the Landscape Contractors Association.
  2. Good Listener: A professional landscaper listens to your needs and provides solutions tailored to your requests. While they offer suggestions, they respect your choices and will advise when a landscape idea is not feasible.
  3. Calls in Expert Help: A good landscaper knows their limits and consults with specialists, such as arborists, irrigation experts, and pesticide applicators, when necessary.
  4. Educates Customers: Effective landscape professionals will educate you on how to maintain your landscape, ensuring long-term care and growth.

What Do Gardeners Do?

Gardeners typically focus on lawn care maintenance, which includes mowing your lawn and sometimes performing minor tasks such as pruning, fertilizing, and weed control. However, gardeners generally lack formal horticultural training and are the least expensive option compared to landscapers and landscape architects. According to Victoria Michaels of Victoriagardensmith, Inc., local gardeners in Anaheim, Southern California, charge from $50 to $250 a month, depending on frequency and services offered.

What Do Landscapers Do?

Landscapers, also known as landscape contractors, have formal horticultural training that includes degrees and certifications. These professionals are knowledgeable in plant material, plant placement, design, fertilizer and pesticide use, lighting, and irrigation. A landscaper is the best choice if you require landscape design and installation. In California, local landscapers generally charge hourly rates ranging from $30 to $150 per hour, depending on the size and scope of the project.

What Do Landscape Architects Do?

Landscape architects hold a Bachelor’s or Master’s degree that includes specialized training in the design of both landscapes and outdoor hardscape features such as retaining walls, decks, and gazebos. They create detailed landscape plans that are typically used by landscape contractors for implementation. Landscape architect fees can be substantial, with many charging several thousand dollars for a comprehensive landscape plan.

How to Find Local Landscapers

If you see a yard that impresses you, ask the homeowner whose services they use. Additionally, local nurseries, garden centers, and your state’s landscape contractors association can offer valuable recommendations.

Let Someone Else Ship Your Stuff

Why Outsourcing Shipping Can Save Your Business

Published: November 08, 2011

Avoid frustration from your customers waiting to receive their orders. Here’s why you should outsource your shipping.

From Shipping Nightmares to Customer Praise

Today, clients rave about Andrew Simmons’s customer service—but that wasn’t always the case.

“Five years ago, my customers hated me—some even threatened to hunt me down,” said Simmons, owner of Seattle-based holding company Six Shooting Stars. While the quality of his software for the arts-and-crafts business wasn’t an issue, shipping was.

“In addition to the U.S., I ship overseas, and 50 percent of my packages were vanishing,” he said.

Running a Warehouse Didn’t Help

In an attempt to fix the problem, Simmons opened his own warehouse from 2004 to 2007. However, the solution became a burden:

  • High overhead costs
  • Increased operational complexity
  • Wasted time and resources

“The happiest day of my life was when I shut the warehouse down and started outsourcing my shipping,” he said.

Off-Site Warehousing: A Modern Solution

Thanks to companies like eBay and Amazon, small business owners now have access to large-scale order fulfillment services. These services allow you to:

  • Store inventory off-site
  • Automate the ordering and shipping process
  • Focus on growing your brand

According to Nate Gilmore, VP of marketing at Shipwire:

“Business owners reach customers more quickly and build a global platform for growth. They’re able to invest money previously spent on warehousing into inventory and product development.”

Unleashing Creativity Through Outsourcing

“Having the ordering and shipping running on autopilot frees me up to tap into my creativity,” said Simmons. More time means more opportunities to innovate and market new products.

Faster Fulfillment, Happier Customers

Dan Provost and Tom Gerhardt of Studio Neat discovered the value of outsourcing when their Kickstarter campaign for the Glif went viral:

  • Expected to ship 500 units
  • Received over 5,000 pre-orders
  • Eventually had 7,000 orders to fulfill

After partnering with Shipwire, all orders were shipped within 24 hours, preserving their reputation and customer satisfaction.

Reducing Stress for Business Owners

Daniel Galhardo, founder of Tenkara USA, learned firsthand how manual shipping can hinder business:

“I was stressed about shipping the whole trip,” he said, recalling a filming expedition where he had to drive 30 miles for Wi-Fi to fulfill orders.

Once he switched to order fulfillment, Galhardo could travel stress-free and run his business remotely—even during a two-month trip to Japan.

Is Outsourcing Right for You?

Outsourcing shipping isn’t ideal for every product. Consider it if you have:

  • Sufficient inventory that can be stored off-site
  • Profit margins that support third-party services

Test the Waters First

If you’re unsure, try a small batch and inspect packaging quality. Some fulfillment providers even offer free trials.

Once you experience the ease of remote fulfillment, growth becomes simpler. Happy customers lead to repeat business—and repeat customers spread the word.

Julie Bawden-Davis has been a journalist since 1985. She’s written for Entrepreneur, Better Homes & Gardens, and Family Circle.

What You Can Learn From Dining In The Dark

Dark Dining: A Feast for the Senses

Published: October 26, 2011

An unpredictable concept can gain you droves of dedicated fans.

How It All Began

Restaurant owner and chef Abigail Hitchcock was first approached by a colleague about hosting dark dining events at her Greenwich Village restaurant, Camaje. Though intrigued, she had reservations.

“I sat on the fence initially,” said Hitchcock, who held her first dark dining event in 2005. “I wasn’t sure if my customers would like the idea, but the experience proved more fun and profitable than I thought.”

By the sixth year, Camaje’s twice-monthly events were consistently sold out.

Meet the Mind Behind the Movement

Dana Salisbury, director of Dark Dining Projects, coordinates dark dining experiences across the U.S. and internationally—often pairing them with live dance performances.

She notes the concept appeals to:

  • People celebrating special occasions (birthdays, anniversaries, proposals)
  • Adventurous diners looking for something new
  • Organizations seeking unique fundraising opportunities

The Dark Dining Experience

Inspired by European traditions, dark dining involves eating in complete darkness or while blindfolded. This enhances the non-visual senses, leading to a more mindful meal.

Guests often report:

  • Heightened taste and smell
  • More awareness of sound and touch
  • Increased appreciation of textures and interactions

At Opaque restaurants in San Francisco and Los Angeles, guests are served by legally blind waitstaff, further emphasizing sensory awareness.

“Around the appetizers and entrees, diners begin to experience more subtle flavors and heightened hearing, which helps them visualize the room,” said Christopher Lynch, General Manager at Opaque.

What It Feels Like

At Salisbury’s events, diners wear soft blindfolds designed to block out all light—intended not to intimidate but to heighten the experience.

“Plunging into darkness liberates people,” said Salisbury. “It removes superficiality and invites a deeper, more meaningful experience.”

Dance performer Sarah Young, who both performed and dined at these events, shared:

“I became immersed in the moment. Without visual distractions, I felt more present and connected to my companion.”

Guest Reactions

Feedback from diners is overwhelmingly positive. Common takeaways include:

  • Feeling refreshed and more self-aware
  • Enhanced emotional engagement
  • Deeper conversations and stronger connections

“The experience is eye-opening—no pun intended,” said Lynch. “People leave feeling enlightened and fulfilled. Some have even been brought to tears, especially those with blind loved ones.”

Business Lessons from Dark Dining

The success of dark dining offers valuable insights for entrepreneurs. Lynch emphasizes:

  • Clear vision and belief in your mission
  • Strong business structure
  • Flexibility to adapt based on customer feedback

Originally, Opaque followed the European model where diners were surprised with their meals. However, they adapted when customers preferred selecting their dishes—balancing mystery with comfort.

“If you look in the mirror every day and know what you’re doing is right, then it probably is,” Lynch said.

Final Thoughts

Dark dining proves that mystery, surprise, and sensory engagement can drive customer loyalty. For businesses, it’s a reminder that innovation and customer insight go hand in hand.

Julie Bawden-Davis has been a journalist since 1985. She’s written for publications including Entrepreneur, Better Homes & Gardens, and Family Circle.

Profile: Kyle Bryant – Cycling For A Cure

Turning Adversity Into Action: Kyle Bryant’s Inspiring Ride Against Friedreich’s Ataxia

By Julie Bawden-Davis

Discovering a Rare Diagnosis

Like many boys, Kyle Bryant actively participated in sports. When incoordination plagued him throughout adolescence, his parents sought answers from several doctors. At 17, he was finally diagnosed with Friedreich’s Ataxia (FA), a rare, crippling, and progressive genetic condition.

Rather than despair, Bryant chose a mindset of gratitude.

“I remember immediately thinking how fortunate I was to be so active despite the disorder,” he says. “I thought that I should do as much as I could before it was too late to benefit others with FA who weren’t so fortunate.”

Finding Purpose Through Pedals

After earning an engineering degree in 2005, Bryant was increasingly challenged by the physical symptoms of FA. Seeing someone ride a specialized tricycle on TV sparked an idea.

  • He bought a trike and rode seven miles on his first outing.
  • Weeks later, he was riding up to 50 miles at a time.
  • Just four months in, he completed a 100-mile ride for the American Diabetes Association.

“During the last 20 miles, I realized that I was going to finish,” says Bryant. “If I can do this, I can do anything.”

Launching Ride Ataxia

Inspired by his own experience, Bryant founded Ride Ataxia in 2007 and biked 2,500 miles from San Diego to Memphis with his father and uncle in just 59 days.

  • They raised $40,000, which was matched by two FA organizations—totaling $100,000.
  • Since then, Ride Ataxia has generated nearly $1 million for FA research.

“It’s important to not use your circumstances as an excuse,” says Bryant, “but to use them as a reason to do something great with your life.”

From Engineer to Advocate

For two years, Bryant balanced a full-time engineering job with Ride Ataxia fundraising. In October 2009, he left engineering to become the spokesperson for the Friedreich’s Ataxia Research Alliance (FARA).

Ronald Bartek, FARA’s co-founder, shares:

“Kyle is a man of real character and a wonderful communicator. His efforts have inspired families and even researchers—who now dare to speak of a cure.”

Dr. Robert Wilson of the University of Pennsylvania agrees:

“Kyle has raised extraordinary sums and brought visibility to FA. His own strength, despite the fatigue caused by FA, is nothing short of stupendous.”

Empowering Through Public Speaking

In 2008, Bryant began sharing his story through public speaking. Introduced to Toastmasters by a coworker, he embraced the platform as a way to connect with others and raise awareness.

John Tillison, a fellow Toastmaster, recalls:

“Kyle’s Ice Breaker speech started as an upbeat sports tale, then took a moving turn. His growth as a speaker has been phenomenal. His humor and passion make his message powerful.”

Inspiring Families Facing FA

Donna and John Newman, whose daughter Natalie was diagnosed with FA in 2010, found hope through Bryant’s work.

“We were devastated until we found Kyle,” says Donna. “When Natalie met him in Dallas, she told her friends she had met her hero.”

A Coast-to-Coast Challenge

In June 2010, Bryant and two other cyclists represented FARA in the Race Across America, completing the 3,000-mile ride in just over eight days.

“This disease limits us, but I always say: life is not about what happens to us—it’s about how we react to what happens.” —Kyle Bryant

Learn More and Get Involved

For more information on Kyle Bryant, Ride Ataxia, and the Friedreich’s Ataxia Research Alliance, visit www.rideataxia.org.

Julie Bawden-Davis is a freelance writer based in Southern California and a longtime contributor to the Toastmaster. Contact her at Julie@JulieBawdenDavis.com.

Scents and Sensibilities

Fall Fragrance in the Native Garden

By Julie Bawden-Davis, Master Gardener in California

On quiet fall afternoons at the New England Wildflower Society, horticulture director Scott LaFleur enjoys the sweet scent of trumpet honeysuckle (Lonicera sempervirens) drifting through his open window.

“Not only is the fragrance wonderful, the plants are magnets for hummingbirds, so I watch the little birds up close and personal,” says LaFleur.

🌼 Autumn: The Overlooked Season for Garden Fragrance

Though spring and summer get the credit, fall is a prime time for enjoying aromatic native plants. Experts from across the country share their favorite fragrant fall natives:

In Massachusetts

  • New England blazing star (Liatris scariosa var. novae-angliae)
  • Black cohosh (Actaea racemosa)

In the Southern U.S.

  • Fragrant ladies tresses (Spiranthes odorata)
  • Joe-Pye weed (Eupatoriadelphus spp.) – fragrant blooms and vanilla-scented foliage

In Texas

  • Thorn-apples (Datura spp.)
  • Shrubby boneset (Ageratina havanensis)
  • Chocolate daisies (Berlandiera lyrata)

🍫 Chocolate and Musky Notes

Andrea DeLong-Amaya, director of horticulture at the Wildflower Center, associates the scent of blooming chocolate daisies with dessert. She notes:

  • Shrubby boneset offers musky-scented flowers.
  • Daturas emit a clean, tangy fragrance—especially at night.

🌾 Native Plants: Powerhouses of Scent

“Compared to non-native hybrids bred for appearance, natives offer a full fragrance experience,” says Pati Vitt of the Chicago Botanic Garden.

  • Prairie dropseed (Sporobolus heterolepis) smells like sweet kettle corn.

🎨 Fragrance Adds a Sensory Layer to Your Garden

According to LaFleur, fragrance enhances the garden’s emotional connection:

  • New England blazing star – airy look, light scent
  • Rudbeckias – meadow-like aroma
  • Black cohosh – musky white blooms
  • Asters – wonderful late-season scent

🌿 Not Just Flowers: Fragrant Leaves, Bark & Roots

“Fragrance often comes from the vegetative parts of the plant,” says Anne Lindsey of the North Carolina Botanical Garden.

Fragrant foliage includes:

  • Autumn sage (Salvia greggii)
  • Damianita (Chrysactinia mexicana) – pungent up close, sweet at a distance
  • Mountainmint (Pycnanthemum spp.)
  • Coyote mint (Monardella villosa)
  • Lemon horsemint (Monarda citriodora)
  • Wild bergamot (M. fistulosa)
  • Bee balm (M. didyma)
  • Sweet goldenrod (Solidago odora) – licorice-scented leaves

🌿 Fragrant California Natives

Stephen Morgan from the UC Riverside Botanic Gardens highlights these aromatic natives:

  • Salvia ‘Allen Chickering’ (Salvia clevelandii x S. leucophylla)
  • White sage (S. apiana)
  • Catalina perfume (Ribes viburnifolium)
  • California bay laurel (Umbellularia californica) – potent scent, use sparingly

🦋 Supporting Pollinators & Wildlife

Fall fragrance also benefits wildlife:

  • Solidago species – vital for migrating butterflies
  • White turtlehead (Chelone glabra) – essential for Baltimore checkerspot butterflies

🚫 Go Chemical-Free for True Fragrance

LaFleur urges gardeners to avoid pesticides that ruin natural scent and harm pollinators. Instead, nurture your garden’s natural ecosystem.

🌞 Tips to Maximize Fragrance

  • Use drip irrigation so plants are dry by morning (when nectar is released).
  • Place aromatic plants near walkways, windows, and seating areas.
  • Understand time-of-day effects—some plants only release fragrance at night.
  • Hot sun and evening coolness can intensify scent.

🎼 Balance and Blend Scents

Avoid overwhelming your garden by balancing bold scents with subtler ones:

  • Combine high-note and low-note plants for a harmonious aroma.
  • Use strong-scented plants sparingly; cluster subtle ones for more impact.

🍂 Let Fall Gardens Create a Symphony of Scent

“Sometimes it is not just picking one plant for its fragrance but understanding that a symphony of flora will produce a tingling of the senses,” says LaFleur.

As leaves drop and decompose in late fall, they release an earthy, natural perfume that signals nature’s final flourish before winter’s rest.

The International Flavors of Old Towne

Byblos Café: A Mediterranean Mainstay in Old Towne Orange

Byblos Café, located at 129 West Chapman Avenue, has stood the test of time, serving the Old Towne community for over 21 years. Owned and operated by husband-and-wife team Adel and Zalfa Mahshi, the café brings the flavors of authentic Mediterranean cuisine to a historic space that once served as a Lebanese deli and grocery.

From Grocery to Café

Originally from Lebanon, Adel and Zalfa were regulars at the former grocery store. Adel recalls how his journey began:

“We used to buy our groceries there and I would bug the previous owner, asking him if he would ever consider selling the place to me,” Adel said. “Finally he decided to get out of the grocery business, so I bought it.”

Adel initially attempted to maintain the grocery format, but he soon realized that the deli offerings were more popular. That realization sparked a transformation:

“I took a chance and transformed the space, turning it into a café and doing what I love to do, which is to cook,” he said. “Everybody looked forward to our new restaurant opening up, because there were very few places in town at the time.”

Dining Experience and Menu Highlights

The café features two patios (front and back) and can seat up to 60 patrons. Byblos Café is known for its delicious and healthy Mediterranean menu, including:

  • Kabobs
  • Eggplant dip
  • Hummus
  • Lentil soup
  • Gyros
  • Falafels

Breakfast is served all day and into the evening. Menu options include:

  • Variety of omelettes
  • Yogurt dishes
  • Fava beans cooked with garlic, lemon, and olive oil

“Everything is cooked on the light side,” says Adel. “Our food is considered healthy, light food.”

Hours and Community Support

Byblos Café Hours:

  • Monday–Wednesday: 8:00 AM – 3:00 PM
  • Thursday–Saturday: 8:00 AM – 9:30 PM

Over the years, the café has continued to build a loyal and diverse clientele.

“We still have customers who have been coming here for 20 years when it was first a sandwich shop,” Adel said. “They are confident and I am confident that they are getting a good product made with heart. I appreciate that.”


Visit Byblos Café

Address: 129 West Chapman Avenue, Orange, CA 92866
Phone: 714-538-7180

Published in the Apr/May 2010 edition of the Old Towne Orange Plaza Review

Written by Karen Anderson | Photograph by Will Hare

Measuring Cups: 4 Things to Know Before You Buy

How to Choose the Right Measuring Cups for Your Kitchen

Measuring cups are essential when accuracy is necessary in a recipe. Although you might get away with a pinch of this and a splash of that in some dishes, in others—baking in particular—precision is key if your recipe is going to succeed. Measuring cups are a fundamental tool for every kitchen, and today, there are many tempting options to choose from.

Evaluate the features of the wide variety of measuring cups available to find the ideal ones for your kitchen and cooking style.

1. Types of Measuring Cups

There are two main types of measuring cups:

  • Dry Measuring Cups:
    • Come in sets (1/8, 1/4, 1/3, 1/2, and 1 cup)
    • Usually made of plastic or metal
    • Flat-topped for leveling off ingredients
  • Liquid Measuring Cups:
    • Available in capacities like 1-cup, 2-cup, and 4-cup (and larger)
    • Shaped like pitchers with spouts for pouring
    • Made of clear plastic or glass to view levels accurately
    • Most are microwave-safe

Since most cooking involves both wet and dry ingredients, it’s best to own both types—or invest in a dual-function model that can handle both.

2. Materials

Measuring cups are available in various materials, each offering unique benefits:

  • Stainless Steel:

    • Best for dry ingredients
    • Durable, stain and scratch-resistant
    • Does not absorb odors
    • Usually hand-wash only
  • Plastic:

    • Used for both dry and wet ingredients
    • Wet-use versions are transparent
    • May absorb odors and stain over time
    • Not always heat-resistant unless silicone-based
    • Usually dishwasher-safe
  • Glass:

    • Primarily for wet ingredients
    • Oven and microwave-safe
    • Non-porous—resists odor and stains
    • Easy to read and dishwasher-safe

3. Storage Capabilities

  • Steel and plastic cups are often stackable for easy drawer storage.
  • For limited space, consider
    collapsible measuring cups.
  • Some glass models come with lids for storing mixed ingredients directly in the cup.

4. Time-Saving Features

  • Angled Measuring Cups: These allow you to view measurements from above, eliminating the need to bend down and check eye-level accuracy.
  • Adjustable Measuring Cups:
    Plunger-style cups let you set the measurement, fill, and push out sticky ingredients like honey cleanly and quickly.

Now that you’re familiar with the types, materials, storage options, and innovative features of measuring cups, you can make an informed decision on the best set to suit your cooking style and kitchen needs.

Potential Consequences Of Obamacare

How Obamacare May Affect Your Finances

As the Affordable Care Act—known as Obamacare—soon takes effect, like many Americans, you’re probably waiting to see how this expansive overhaul of the healthcare system will impact you. Though all of the financial effects of the insurance reform won’t be evident immediately, several consequences of the subsidized mandatory healthcare program will soon become clear.

Understanding the following changes in the mandated healthcare system will help you make informed decisions when it comes to
seeking debt solutions.

Your Current Health Insurance Plan May Change or Disappear

Whether you’re financially comfortable with your current health insurance or feel you’re overpaying, your plan as you know it may change. To comply with new standards and avoid certain taxes, companies are likely to:

  • Phase out some insurance plans
  • Offer less desirable coverage
  • Require more financial outlay from individuals

In such cases, it may be more economical to leave your employer’s plan and purchase coverage with government subsidies via the Obamacare state health exchange. Learn how to
better manage your budget here.

Your Taxes May Be Affected

Obamacare introduces two
notable tax changes:

  • Flexible Spending Account (FSA) Cap: As of 2013, the maximum annual pre-tax contribution is capped at $2,500.
  • Medical Deduction Threshold Increase: Prior to Obamacare, you could deduct medical expenses exceeding 7.5% of your adjusted gross income. That threshold now increases to 10%.

Positive Changes for the Self-Employed

If you’ve held back from starting your own business due to the need for employer-provided health insurance, Obamacare could be your opportunity. Affordable non-employer-based insurance allows greater freedom for aspiring entrepreneurs.

A study by the Kellogg School of Management at Northwestern University found that when Tennessee allowed individuals to obtain their own insurance, many left traditional employment. Researchers estimate that Obamacare could lead 500,000 to 900,000 Americans to become self-employed.

If you’ve been waiting for the right time to launch your business, this could be it. You may even be able to
get better control of your debt in the process.

Though only time will reveal the full financial impact of Obamacare, access to more affordable care is likely to provide some relief for your budget and long-term debt.

About the Author

Julie Bawden-Davis is a Southern California–based writer specializing in personal finance and insurance. Since 1983, her work has appeared in a wide variety of publications, including Family Circle, Ladies’ Home Journal, Parenting, Entrepreneur, and The Los Angeles Times.

Reduce Debt More Quickly With A Credit Card Tune-up

Paying Off Your Credit Cards: Quick Tips for Debt Relief

Paying off your credit cards is likely at the top of your list for digging out of debt. While achieving a zero balance generally takes time, it’s possible to reduce your debt more quickly by making strategic choices regarding the type of credit card accounts you have.

Consider these tune-up tactics for credit debt relief:

Zero-Percent Balance Transfers

Balance transfer credit cards that don’t charge interest for an extended period of time, such as 6 or 12 months, give you a chance to save on interest. You can reduce debt by using the interest savings to make larger payments on your credit card. For instance, if you’ve been paying $200 a month on credit card interest and you transfer the balance to a 12-month no-interest card, you can put an additional $2,400 towards the balance in a year.

Always read the fine print of balance-transfer offers. Some credit card issuers charge fees for balance transfers that could potentially negate any benefits of transferring the balance.

Low-Interest Card Options

When it comes to interest rates, the best credit cards are those that only add a few percentage points to today’s prime lending rate. Locking in such a low rate is especially useful when the prime rate rises. Transferring your balance to such an inexpensive credit card offers you a chance to enjoy lower finance charges, which gives you more money to put toward paying off your balance.

Better Card Benefits

Considering the wide variety of rewards cards available today, when shopping for a new card for your old balance, it makes sense to get as many benefits as possible from your credit card account. Depending on your preferences and lifestyle, look for cards featuring rewards such as:

  • Gift cards
  • Cash back
  • Gas credit
  • Airline miles
  • Hotel points

The cash-back option provides you an easy way to pay down debt on your card, and other types of rewards free up money spent. All of these savings give you the opportunity to earmark additional funds for paying off debt.

Credit card balances can sometimes seem insurmountable, but these tune-up tactics can help with debt reduction.

About the Author

Julie Bawden-Davis is a Southern-California-based writer specializing in personal finance and insurance. Since 1983, her work has appeared in a wide variety of publications, including Family Circle, Ladies’ Home Journal, Parenting, Entrepreneur, and The Los Angeles Times.

A slice of small-town America in Orange

Old Towne Orange: A Step Back in Time

Old Towne Orange offers its 11,300 residents a chance to step back in time. Listed on the National Register of Historic Places, the Orange County community of about 1,200 homes has the largest collection of historical houses in California. At its heart is the Plaza Square park, with a landmark fountain dating to the city’s founding in the 1870s.

Drawing Card

Sidewalks and homes with front porches encourage strolling and talking with neighbors in this quiet, low-crime community on the western edge of Orange. Dining and shopping are within walking distance at the Plaza Historic District, which has more than 100 owner-operated businesses, including restaurants, sidewalk cafes, coffee shops, antique stores, eclectic gift shops, various services, and galleries.

Wow Factor

Old Towne has an impressive mix of well-maintained homes in a variety of architectural styles:

  • Victorian
  • Craftsman
  • Bungalow
  • Mediterranean Revival
  • Prairie
  • Spanish Colonial

The Plaza Historic District consists of functioning historic buildings, including a post office from the 1920s, a railroad station, and a variety of churches. The community’s oldest business, Watson’s Drug Store, is an old-fashioned soda fountain and pharmacy that opened in 1899. Hollywood has used Old Towne as a location over the years to capture a small-town, historic feel. Recent films shot here include “Big Momma’s House,” “Clockstoppers,” “That Thing You Do,” and “Small Soldiers.”

Insider’s View

The vintage buildings and attention to historic preservation fuel a strong sense of community. Residents of all ages come together at Plaza Square on a regular basis for such community events as the Christmas tree lighting and the Labor Day weekend Street Fair, started in 1910.

Good News, Bad News

Homes tend to be small in square footage, and renovations are often required. Keeping history maintained can be costly. Though full of restaurants, the plaza lacks a movie theater or other entertainment draw. And there are no grocery stores in Old Towne.

Hot Spots

The northeast quadrant of Old Towne is the most desirable because of its mix of 1877 to 1930s homes. Prices range from $300,000 to $800,000 for 800 to 3,000 square feet.

Stock Report

Single-family homes make up 90% of the housing. Apartment complexes and duplexes account for the rest. Because the houses were built by individual owners, no two are alike.

Report Card

Part of the Orange Unified School District, public schools here fall below average in national test scores. Some residents choose to enroll their children in private schools within Old Towne, including:

  • St. John’s Lutheran School
  • Immanuel Lutheran School

On the Market

In early November there were 11 properties listed for sale, ranging from $265,900 to $779,000.

Historical Values

Single-family detached home prices:

Year Median Price
1990 $228,500
1995 $182,500
2000 $263,000
2001 $305,000
2002 (YTD) $343,500

Sources: DataQuick Information Services; Ricci Realty, Old Towne; Orange County Historical Commission; Greatschools.net; Orange County Community Development Department; www.cityoforange.org.

Orderly or Oppressive?

Some Endure While Others Extol the Association-Run Lifestyle

When Tina Ohmstede moved into a gated condominium complex in Redondo Beach almost four years ago, she had never lived in a community association before.

“I was shocked to find out that certain rules are strictly observed,” said Ohmstede, who recalled an occasion when a friend and her 3-year-old daughter came to visit.

“My friend announced her arrival by giving a little honk on the car horn, and her little girl yelled for us in a cute little-girl voice. I thought nothing of it until a week later when I got a letter from the association board saying that honking or calling to people from the guest parking is against the rules,” Ohmstede said. “I’ve become more vigilant now. When visitors come and begin to talk loudly, I ask them to quiet down.”

Common interest developments (CIDs) are located in many types of neighborhoods, from single-family homes to townhouses and condominiums. They all allow individual owners the use of common property and facilities in exchange for following the rules and paying required monthly dues. These developments have self-governing systems with a board overseeing the association’s operations. Some associations hire management companies for day-to-day operations, while others rely on volunteer managers.

Gated community

For some homeowners, associations are viewed as an advantage, a convenient way to keep order in the community and prevent what they consider to be potential chaos, such as motor homes languishing in driveways and oddly painted units. More independent and creative souls, however, find the rules too restrictive.

Popularity of Associations in Southern California

Like them or not, associations have become a part of life for much of Southern California. Virtually every new development has an association, and there are more than 34,000 in California alone, according to the California Department of Real Estate. One in four Californians lives in a CID, and in Orange County, the figure is even higher—more than 50%.

Homeowner associations grew quickly in the late 1970s as land availability diminished. The passage of Proposition 13, a 1978 measure that slashed property taxes, also resulted in more limited public funding for parks, swimming pools, and other components of residential communities. Developers began adding amenities like swimming pools and clubhouses to their developments and forming associations to oversee their maintenance.

Living the CID Lifestyle

“Living in an association is a lifestyle choice,” said Karen Conlon, president of the California Assn. of Community Managers. “You gain access to common amenities you might normally not be able to afford to build yourself—such as pools, parks, tennis courts, and lakes. But to enjoy these amenities, you must agree to abide by certain standards and rules. Complications arise when homeowners don’t truly understand the association’s plan documents before they buy.”

The governing document, known as the Declaration of the Covenants, Conditions, and Restrictions (CC&Rs), contains the ground rules for the operation of each association. This document identifies common areas and responsibilities, lists rules residents must abide by, and mandates the collection of dues.

“You have a contractual obligation between yourself and the association to pay your dues,” Conlon said. “They are like a mortgage payment. The association has the authority to lien and eventually foreclose on your home if you don’t pay.”

Challenges in Association Life

For Amy Dee, moving into an Anaheim condominium required a major adjustment in attitude. “It was a very humbling experience when I realized that I had to comply with a greater power regarding the exterior of my home,” she said. “If you’re a creative person who likes to do your own thing, association life can be tough. My ego took a few bumps and bruises.”

One of Dee’s challenges was with her mailbox. “We have exterior mailboxes, but I was concerned about my mail getting stolen, so I put a mail slot in my door,” she said. “The rules say that all of the mailboxes must match. When they came by for a routine inspection, they spotted [it], and I had to remove it.”

Another issue was with a satellite dish. Dee had broken a rule by installing the dish on her patio roof. “The association fined me $100 a month for the infraction,” she said. After negotiating with the board, she was allowed to paint the wires an acceptable color. The rules were eventually changed to allow satellite dishes on patio covers due to similar issues with other homeowners.

Perks of Association Life

If you’re in the majority, things can run smoothly in an association community, said Jason Weissberg, who lives in a single-family home in Tustin Ranch. “If you’re not part of the majority, however, you’re out of luck,” he said. “We found that out when we voted to increase the size of the swimming pool and lost. Not enough families found it important.”

Despite restrictions, Weissberg agrees with the belief that rules improve the quality of life. “I much prefer living in a community where everything is well cared for,” said Christopher Ruffalo of Tustin Ranch, a member of the association board.

Some individuals seek out association life for its neat, consistent lifestyle. “I grew up in a neighborhood where there was trash all over the place,” Ruffalo added. “I much prefer living in a community where everything is well cared for.”

Becoming a Board Member

Individuals with the energy and determination to make changes in an association can become board members, which is an elected volunteer position. “I wanted to be a part of the betterment of the community, get to know my neighbors, and find out about changes before they occur,” said Ruffalo.

However, not all board members share the same enthusiasm. Bill Kelley of Anaheim Hills had a different experience when he was a board member. “The trouble begins when you have militant people on the board with unreasonable ideas,” he said.

Benefits and Drawbacks of the Association Lifestyle

Though the rules may seem nitpicky at times, they can also work in your favor, as Ohmstede found when she called her neighbor to enforce the pool closing rules late at night.

Points to Consider

  • Do you like the idea of abiding by rules that dictate how the exterior of your home looks?
  • Check out the association’s CC&Rs. Do they seem reasonable?
  • Are you comfortable living in close proximity to your neighbors?
  • Can you afford the dues?
  • How does the board resolve disputes?
  • Talk to existing residents about the association.

For more information, visit the California Assn. of Community Managers website.

Julie Bawden-Davis is a freelance writer who lives in Orange.

Home-Grown Cooking

Orange County Chefs Use Flavors From Their Gardens to Create Spring and Summer Delicacies

Julia Rappaport enjoys both cooking and gardening, so she combines the two passions by growing a cook’s garden. On her North Tustin property, she cultivates a variety of fruits, herbs, and vegetables that help elevate her meals.

“Tomatoes are my favorite, and this year I’m growing 41 different types,” said Rappaport. She also grows peppers and a wide assortment of herbs such as pineapple sage, rosemary, and Spanish tarragon, along with fruits like Meyer lemon, pomegranate, avocado, apple, and Satsuma mandarin tangerine.

Chef Jamie Kingsland of Fleming’s Prime Steakhouse in Newport Beach agrees that fresh ingredients are key to creating great meals. Like many professional chefs, Kingsland maintains his own cook’s garden.

“Starting with high-quality ingredients from the garden enables you to make good food,” he said. “Herbs you grow yourself and harvest to season dinner are far superior to those you find in the store, adding wholesomeness to any meal.”

Kingsland grows basil, thyme, rosemary, mint, and lavender in his Orange County garden.

Infusing Tastes with Fresh Herbs

One of Kingsland’s favorite things to do with herbs is to infuse flavors into dishes. For instance, he makes a lavender syrup by boiling 2 cups of water, 2 cups of sugar, and a handful of lavender. Once the mixture thickens, he removes the lavender leaves and steeps them again before serving it over fresh fruit such as peaches, pears, apples, and grapes.

“The lavender infusion is a really refreshing end to a summer meal,” Kingsland added.

Herb Uses and Favorite Dishes

Kingsland also enjoys making rosemary and thyme butter for chicken and fish, and making sun tea with fresh mint from his garden.

What Other Chefs Are Growing

Chef Franco Barone of Antonello Ristorante in Costa Mesa prefers to grow garlic, onions, basil, rosemary, marjoram, oregano, and a variety of herbs in his garden. He uses these fresh ingredients in a variety of dishes, including roasts and salads.

“I use a variety of fresh herbs, garlic, and onions when making a roast,” said Barone. He also grows citrus trees to use in salads, with diced lemons or oranges, red wine vinegar, green onions, and herbs.

Using Citrus and Herbs in Recipes

Cilantro is another favorite for chef George Poston, executive chef at Maggiano’s Little Italy in Costa Mesa. He uses it regularly to make salsa for his children.

“It’s really easy to make salsa,” Poston said. “In the food processor, I puree three Roma tomatoes, diced onions, one hot chili pepper, and a squeeze of lime juice.”

Poston also uses limes from his backyard limequat tree, along with kumquats and Satsuma mandarins, to make fresh salsas.

Chef Favorites: Tomatoes and Basil

Many chefs, including Zov Karamardian of Zov’s Bistro in Tustin, agree that no cook’s garden is complete without tomatoes and basil. Karamardian uses these fresh ingredients to make delicious tomato-basil sauces and salads.

“In the summertime, it’s heaven to have a fresh tomato salad straight from the garden,” said Karamardian. “I top garden tomatoes with basil, extra virgin olive oil, well-aged balsamic vinegar, fresh ground pepper, and feta cheese.”

Besides tomatoes and basil, Karamardian enjoys growing mint, rosemary, and thyme. “I often make a pita bread burrito with fresh mint, cucumbers, and tomatoes. It’s a great snack!”

Lemon Trees and More

Karamardian also grows lemon trees, using lemon juice instead of vinegar for many recipes, both at home and in her restaurant.

“Once a lemon is cut, it loses its flavor, so fresh is best,” she added.

Pastry Chef Michelle Bracken’s Garden

Zov’s pastry chef, Michelle Bracken, grows blackberries in her Fountain Valley garden. She uses them to make fresh fruit cobblers, pastries, and salads.

Bracken also has a variety of herbs and uses the edible flower nasturtium to garnish salads.

“In our climate, it only makes sense to grow your own herbs and fruits,” she said. “Not only can you use them to create great food, but they also beautify your garden and make interesting conversation pieces.”

When Feeding Venus Flytrap, Skip the Burger

Venus Flytrap: The Fascinating Carnivorous Plant

Although my first plant was a coleus, I have to credit my Venus flytrap (Dionaea muscipula) for getting me hooked on gardening. While watching the prehistoric-looking plant eat flies and other wayward insects, I became enamored with nature and its possibilities.

When we become adults, childhood discoveries sometimes lose their luster. Not Venus flytraps. These carnivorous plants continue to amaze gardeners of all ages.

“Venus flytraps appeal to the kid in everyone,” said Chris Barnhill, who is in charge of plant collections at the Fullerton Arboretum. “The flytrap looks like it’s been brought down by aliens, and it moves.”

A small plant, Venus flytrap grows to about 6 to 8 inches in diameter. The leaves consist of toothed traps that lure and digest insects. When trigger hairs inside a trap are touched, the plant responds by closing on its prey.

It takes up to a week for a flytrap to digest a fly and other insects. The trap reopens to display the evidence—a shriveled insect carcass.

Although they look like they come from a distant locale, Venus flytraps are native to the United States. In nature, they can be found only within a 100-mile area along the coast of North and South Carolina.

There is only one species of Venus flytrap, but many cultivars, said Leo Song, curator of the biology greenhouse complex at Cal State Fullerton, where he keeps a collection of carnivorous plants.

“Plant experts are continually coming out with new types of Venus flytraps,” said Song, a member of the International Carnivorous Plant Society. “At the university, we’ve discovered a flytrap that resembles a shark and we’re calling it ‘Jaws.’ It’s still in production and should be available commercially in two to three years.”

The flytrap is a warm weather plant, active from April through October. It goes dormant in the winter, requiring the cold days of December and January to store energy and remain healthy, said Peter D’Amato, co-owner of California Carnivores in Forestville, Calif., a mail-order company that specializes in Venus flytraps and other carnivorous plants. The company will have a display at the Southern California Spring Garden Show at South Coast Plaza May 3-6.

“When it’s dormant, the flytrap can withstand very cold temperatures, but the 40s and 50s are ideal,” said D’Amato, author of “The Savage Garden” (Ten Speed Press, 1998, $19.95.)

Flytraps can often be found at local nurseries and via mail order. Grow them outdoors in our mild climate, or indoors in containers. Keep the following tips in mind:

Tips for Growing Venus Flytraps

  • Provide Ample Light: The flytrap is similar to a succulent in its light requirements. Place in full sun outdoors. During especially hot days of summer, move it into partial shade. Indoors, it requires at least two to three hours of sun a day. Place it in an unobstructed eastern, southern, or western window, or any combination of these locations.
  • Water Properly: Flytraps need to be kept moist, and the right type of water is critical. Avoid regular tap water, as it’s too high in salts and minerals. Use deionized, reverse osmosis, distilled water, or rainwater. The plant should sit in standing water in a dish with about an inch of water at all times. Replace the water if it dries out, and ensure the soil never dries out.
  • Feed Well: Most experts recommend not fertilizing flytraps. The plant receives its nutrients from the insects it eats. Outdoor plants will catch insects, but those grown indoors need to be fed. Good food choices include flies, sowbugs, ants, small moths, and spiders. Avoid using hamburger, cheese, or similar foods as they can rot the traps. Touch the tiny trigger hairs inside the trap to activate its closure.
  • Repot Every Two Years: Repot the flytrap at the tail end of dormancy in January or February. Use a soil mix of two parts peat moss and one part perlite or silica sand. Moisten the mix before planting. Plastic pots are recommended for flytraps.
  • Move Outdoors for Winter: If you grow the plant indoors, move it outside during winter months for adequate chilling. Make sure it doesn’t become waterlogged during winter rains, or it could drown.

Where to Find Venus Flytraps

You can find Venus flytraps at local nurseries or through mail order. Here are some resources for purchasing or learning more:

Brew Ha Ha in the Herb Garden

Besides Being Tasty, Fresh Herbal Teas Can Have Medicinal Value

The first time Martha Wida of Westminster made a cup of herbal tea from her garden, she was pleasantly surprised.

“That was by far the best cup of tea I’d ever had,” said Wida, who is past president of the California Organic Gardening Club and a University of California master gardener.

Besides being tasty, fresh herbal teas also have medicinal value, said Tess Calhoun, a member of the Orange County Herb Society, who will host the club’s annual tea on May 6.

“Mint and chamomile tea, for instance, are known for calming the stomach and aiding in digestion, and they’re both really easy to grow in the garden,” Calhoun said.

Herbal tea benefits

“Herbal teas are very helpful for those people trying to live a healthier lifestyle,” agreed registered dietitian Susan Weiner of Merrick, N.Y., a nutritionist for the Olympic Training Center in Lake Placid. “Teas made from the garden are calming, soothing, taste great, and are calorie-free. Iced herbal tea is the perfect alternative to preservative-laden soda.”

Growing and Brewing Herbal Tea

Growing and brewing herbal tea is easy. Many good tea herbs such as mint, chamomile, basil, lemon balm, and anise hyssop grow quickly if planted at this time of year.

Mixing blends is tricky to do, but a treat to taste, said Renee Shepherd, owner of Felton, Calif.-based Renee’s Garden seeds, which carries a variety of herb seeds.

“Creating herbal tea blends is considered an art, and those professionals who create tea mixes are highly paid,” Shepherd said. “Dream up your own fabulous blends fresh from the garden.”

Tips for Making the Best Herbal Tea

  • Use two to three tablespoons of fresh herbs for each cup of tea, and one to two tablespoons of dry herbs per cup. For a four-cup pot, you’ll need 8-12 tablespoons fresh herbs or 4-8 tablespoons dried. Iced tea requires more herbs because you’ll be diluting it with ice. Try four tablespoons fresh or two tablespoons dried per cup.
  • Start with cool water and bring it just to an audible rolling boil. Rinse a china or glass teapot with a small amount of hot water to warm it. Add herbs and fill the pot with hot water. Steep for three to five minutes. Use a tea strainer when pouring.
  • Add sweeteners like sugar or honey after pouring the tea. Or for an all-herbal approach, put some sweet leaf (stevia) in the mix and you won’t need other sweeteners.
  • Try various additions to your tea such as lemon or orange slices, juice, cinnamon sticks, cloves, and fresh ginger.
  • Dry excess herbs to enjoy them year-round. Hang herbs upside down or dry them on screens in a shady area with good air circulation. After drying, strip herbs from the branches and store them in tightly sealed glass jars away from strong light. Replace herbs each season.

Good Tea Herbs

You can use just about any herb to make tea. The following are especially tasty and widely available:

  • Anise hyssop: Has a licorice or anise flavor that pairs well with mint. Its lavender flowers attract butterflies. Grow in full sun or partial shade.
  • Basil: Cinnamon and lemon basil are great for tea. Prefers rich, well-drained soil and full sun or partial shade.
  • Chamomile: Known for its apple-like flavor. Plant in a sunny spot with rich soil and good drainage.
  • Fennel: Adds a sweet licorice flavor to tea. It can grow 4 to 6 feet high and prefers full sun.
  • Lemon balm: Adds a lemon tang to tea. Best grown from plants as it’s slow to germinate.
  • Lemon verbena: Adds a strong lemon flavor to tea and prefers full sun with good drainage.
  • Lemon grass: All parts of this plant are lemon-scented and great for lemon tea. Needs full sun and good drainage.
  • Lemon thyme: A small, shrubby perennial that adds warm lemony undertones to tea. Prefers dry soil and full sun.
  • Mint: Offers a refreshing flavor. Comes in many varieties, including peppermint, spearmint, and chocolate mint. Grows best in moist, partially shaded areas.

Pink Lemonade Tea Recipe

Tess Calhoun of the Orange County Herb Society shares one of her favorite herbal tea blend recipes:

Combine:

  • 1/4 cup dried pink fragrant roses
  • 1/4 cup dried red hibiscus flowers
  • 1/8 cup pineapple sage blossoms (harvest and dry in the fall and winter)
  • 1/8 cup dried citrus flowers
  • 1/4 cup lemon verbena

Add a handful of the herb mixture to a four-cup pot of water.

Additional Resources

  • The Orange County Herb Society meets the first Sunday of the month at 1 p.m. at the Irvine Ranch Water District building, 15600 San Canyon Ave., Irvine, (714) 374-5632.
  • For Renee’s Garden seeds, call (888) 880-7227 or visit Renee’s Garden.

A Green Thumbs-Up for Kiwi

Roger Meyer: A Kiwi Pioneer in Southern California

In 1969, Roger Meyer, a lover of rare fruits, discovered something unique. A fuzzy brown fruit with an intense green interior caught his attention.

“The kiwi immediately caught my attention,” said Meyer, who owns Valley Vista Kiwi with his wife, Shirley. “I was amazed by the fruit’s wonderful taste and its little black seeds.”

It took Meyer years to find plants, and when he did, supply was limited. However, he decided to turn his passion into a business. He taught himself to graft kiwi plants onto seedling rootstocks he had grown and, six years later, purchased a vineyard in San Diego to cultivate the fruit.

Over the past 26 years, Meyer has introduced new varieties of kiwi into local markets, including yellow and red varieties. He sells the fruit commercially and provides plants to retail customers.

Though kiwi has a tropical-sounding name and look, it’s a deciduous vine that requires winter chilling—a rare situation in California. However, there are varieties that fruit well here, despite warm winters. February and March are the ideal months to buy and plant bare-root kiwi, while established plants can be planted throughout the year.

Why You Should Grow Kiwi in Southern California

If you have the space, Alfredo Chiri encourages planting kiwi vines.

“They are a beautiful vine with large hibiscus-like, dark-green shiny leaves and rose-like, fragrant flowers,” said Chiri, a member of the Orange County Rare Fruit Growers. “You can train the vine on a trellis, fence, arbor, or back wall, and it can look stunning. They also produce a large amount of fruit. We’ve estimated that four vines at the arboretum yield between 200 and 300 kilos (440 to 660 pounds) per season.”

Tips for Growing Kiwi

To have success growing kiwi, keep the following tips in mind:

  • Provide Adequate Space: Kiwi is a large, vigorous vine that can easily reach 20 feet. To produce fruit, plant a male and female plant, as they require cross-pollination. However, you can save space with a grafted plant that contains both genders on the same vine.
  • Choose Varieties Carefully: While ‘Hayward’ kiwi is commonly sold in stores, it requires a lot of winter chilling and doesn’t thrive in Southern California. Varieties that do well here include ‘Elmwood,’ ‘Vincent,’ ‘Matua,’ Chinensis species, ‘Cordifolia,’ ‘Anna,’ ‘Ken’s Red,’ ‘Dumbarton Oaks,’ and ‘Meader.’
  • Plant in Full Sun: Plant kiwi in full sun, in the ground. The soil must be well-draining. For heavy clay soil, improve drainage by adding compost and pumice.
  • Mulch Regularly: Use mulch, but ensure it doesn’t touch the trunk of the plant.
  • Provide Support: Kiwi vines need something substantial to grow on, such as a patio cover, arbor, fence, or large trellis.
  • Watering: Kiwi requires plenty of water during the summer. Without sufficient irrigation, fruit production will decrease, and leaves will turn brown around the edges and fall off in August or September. However, kiwi cannot sit in standing water, especially during winter dormancy, so good drainage is critical.
  • Feeding: Use a fruit fertilizer containing nitrogen, or composted manures (keep away from the trunk). Feed the plant three times between March and July.
  • Prune Properly: Winter pruning is important because kiwi won’t grow on old fruiting wood. Prune out old wood in January or February to encourage new growth. For new plants, train one branch as the main trunk.

When to Harvest Kiwi

Kiwi generally requires three years of growth before it bears fruit. It typically flowers in May or June, sets fruit immediately, and is ready for picking from September through December.

To check if the fruit is ready to harvest, cut one open. If the seeds are black, it’s time to pick. If the seeds are still white, leave the fruit on the vine to ripen further.

Common Kiwi Pests

Kiwi plants are susceptible to a few pests:

  • Snails: These pests consume the new growth buds on young plants.
  • Cats: Kiwi roots and buds attract cats, who can damage the plant by rubbing against the buds.

Where to Find More Information on Kiwi

  • Visit the California Rare Fruit Growers website for more information.
  • The Orange County Rare Fruit Growers meet every third Thursday of the month at 7:30 p.m. at the Centennial Farm Silo Building at the Orange County Fairgrounds in Costa Mesa.
  • Kiwi plants can be found at various Southern California nurseries or by contacting Valley Vista Kiwi at (714) 839-0796 or via email at exoticfruit@95net.com.