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Dangers of DIY: When It’s Best to Hire a Professional

While fixing your home yourself is certainly a satisfying experience, there are inherent dangers in some DIY projects. The savvy homeowner knows when it’s best to hire a professional. Consider calling in the experts before attempting the following types of repairs.

High elevation tasks

Falls and slips from ladders and elevated locations such as trees and roofs can be more than uncomfortable — they can be fatal. Hiring a professional landscaper or roofing contractor who has the proper safety equipment for high elevations and knows how to work at heights is a much safer move.

Projects requiring power tools

Unless you’re a pro who knows how to wield dangerous tools like power saws, it’s often best to hire a professional for projects that require equipment that could take off a limb or damage your eyes. When it comes to tool accidents in DIY projects, the fault is almost always the operator’s, not the tool’s. A professional like a carpenter, who has years of experience, is much less likely than you to have an accident.

Electrical work

If you haven’t been schooled as an electrician, realize that you put yourself and your home in danger when you attempt to do your own electrical work. Potential risks include life-threatening electrical shock to yourself and others, damage to the equipment you’re trying to install or fix, power failure and even fire. You may also break wiring codes when you do the work, necessitating that it be redone if you decide to sell your home. Hire a licensed professional for your electrical project, and you can rest much easier.

Fixes involving toxins

Certain DIY jobs call for the use of chemical solvents or exposure to lead and other hazardous materials like asbestos. A professional will know the risks involved and how to safely deal with such potentially harmful substances. He or she will have access to proper protective gear such as special dual-cartridge respirators that protect your lungs while you’re working.

Additional benefits of avoiding unsafe repairs

DIY projects can also be dangerous after the repairs are made. For instance, if you attempt to fix the back porch stairs but botch the job, it’s possible that you, another member of the family or a visitor could fall through the stairs and sustain serious injury. Hiring a professional to fix your porch helps ensure that the repairs are completed up to code and won’t potentially harm anyone.

Hiring professionals to complete certain home repair projects can be costly, but the results of safety for you and a secure home environment are worth the expense.

How to Create Curbside Appeal When Selling Your Home

When it comes to your real estate agent selling your home, first impressions matter. Considering that the front of your house is the first thing potential buyers see, it’s important that you learn how to create curbside appeal.

Take a hard look at your front door

Visitors to your home have their eyes trained on the front door as they approach your house. A well-maintained, attractive front door goes a long way toward welcoming them in and giving a positive impression. If your front door is faded, consider repainting or restaining it, or invest in a new door. Also remember the door handle and lock, which you want to be in good working condition.

Landscape

Bare flower beds and a crunchy brown lawn give your home an unattractive, abandoned look that decreases curbside appeal. Plant sod and landscape the flower beds. To give your flower beds a professional landscaped look, plant large shrubs toward the back of the beds, mid-sized shrubs in the middle and small flowering annuals at the front of the bed.

Welcome visitors by flanking the front door with two pots brimming with fragrant flowers, which gives your entrance an attractive look and provides an aromatic welcome.

Examine the walkway

Broken concrete on the path up to your house or cracked bricks in steps leading to your door are one of the first things that visitors will see. Repair all cracks and broken bricks, and the curb appeal of your home will immediately rise.

Wash the windows

Shiny windows that glisten in the sun give your home curbside appeal. Once visitors are in your home, clean windows also help them see outside into your attractive landscape.

Apply a fresh coat of paint

If it’s been a while since you painted your home, now may be the time to do so. A fresh coat of paint is sure to get your home noticed. Choose a pleasing color that appeals to a wide variety of tastes, rather than an unusual hue that might turn off potential buyers. You may also want to power-wash the outside if it’s been recently painted and it needs is a cleaning.

Consider window coverings

Remember that the underside of window coverings can be seen from the street, so make sure that yours look clean and appealing. Examine the window coverings from the exterior of the house to spot any staining.

Remember the seasons

You may not regularly deck your house out for every holiday, but now is the time to do so. If Thanksgiving is drawing near, make sure to feature pumpkins, scarecrows and cornucopias, and if Fourth of July is here, hang the flag in commemoration.

Remember, the goal of showing your house is to make those walking through feel they could live there. Taking the time to create curbside appeal increases the odds that your real estate agent will be able to sell your home.

Compare Closing Costs and Negotiate When Refinancing

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 to bear 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. But be aware that some are not refundable if for some reason you do not complete the loan process.

  1. Application charge: The fee to process your loan request generally includes checking your credit. According to the Federal Reserve, this expense can range from $75 to $300 — and if you’re denied refinancing, you may still have to pay the fee.
  2. Appraisal fee: The fee to appraise your home so that the lender knows it is at least worth the cost of the loan is generally your responsibility. Appraisals usually range from $300 to $700, depending on the size of your home.
  3. Inspection fee: Some lenders require an inspection of your home, which can include checking for termites and a structural analysis. This test can cost anywhere from $175 to $400, according to the extent of the inspection and size of your home.
  4. Loan origination fee: The loan origination fee includes all of the costs of evaluating and processing your loan. According to the Federal Reserve, this fee, which may be negotiable, can be as much as 1.5% of the loan principal.
  5. Points: A point equals 1 percent of the amount of your mortgage loan. Points, known as loan-discount points, are a one-time fee that allows for a reduction in the interest rate on your loan. You can negotiate the number of points you pay with the lender.

Use the Good Faith Estimate to compare loan offers

After you submit your mortgage application, you should receive a Good Faith Estimate (GFE) which details the basic information about the loan you need to compare offers. Knowing how much the loan will cost can help you make an informed decision, but ask the lender if you have any questions.

If refinancing to lower debt is the right decision for you, keeping costs contained by shopping for services and negotiating for lower fees is one way to help support your overall goal to reduce 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.

6 Ways to Safeguard Your Small Business’ Data

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Power outages, viruses and hardware failures all threaten your critical business data. Here are six steps to make sure you’re never offline.

Writer/Author/Publisher/Speaker, Garden Guides Press

AUGUST 22, 2012To 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 ensuring your data stays secure and available.

1. Back it up or else.

The surest way to guarantee that your company information is at your fingertips is to backup on a regular basis with an automated backup system. According to Davis, there are external/offsite backups and internal/onsite systems, and each type has its pros and cons.

Also known as cloud backups, offsite backups eliminate the need for a server to hold data. “Such systems store your data out on the cloud, which is the Internet, and the information is securely replicated and backed up constantly,” says Davis, who advises that while offsite cloud backups have their advantages, it’s important to keep in mind their limitations. If your system fails and you have a lot of data, you must wait for the cloud provider to overnight you a disc with your information. It can also be costly to have someone put the data back on your system.

When you’re switching over to a cloud backup system, it’s also important to realize that sending the information up to the cloud can take weeks when there is a lot of information to replicate, so you’ll need another form of backup in the meantime.

Onsite backups through a network-attached storage feature copy your information on to a hard drive. In some instances tape drives are also used—the combination of which provides ready access to a backup at all times.

2. Take advantage of virtual servers.

Within the last couple of years, virtualization has become much more affordable to the small-business owner. This technology involves essentially running two computers simultaneously, which ensures no downtime if you have a hardware failure on one of the systems, because you have an exact replica of your server.

3. Maintain firewalls.

Intrusion prevention provided by firewalls blocks your data from the outside world, preventing intruders from accessing your information. According to Davis, when it comes to firewalls it’s best to have an appliance that protects your data, rather than software.

“Hardware firewalls sit between the Internet and your data, capturing intruders before they even enter your network,” he says. “When you use a software firewall, the harmful data is allowed to enter your system and uses up Internet space while the software attempts to block it and push it back out.”

4. Employ content filters.

Content filtering protects you and your employees from entering websites that are potentially harmful to your computer system. Filtering also enables you to promote a more productive work environment by limiting what websites your employees are able to view.

5. Use anti-virus and spam filters.

Anti-virus software continually scans your computer, ensuring that no viruses compromise your computer or e-mail. When a virus is detected, the software quarantines the harmful data and deletes it. The best e-mail virus software scans incoming and outbound mail, which ensures that you don’t inadvertently pass on any viruses to your e-mail recipients.

While everyone gets spam e-mail, programs exist that substantially reduce the amount of spam you receive, which protects the integrity of your computer and ensures that your system stays clean and runs fast.

6. Rely on UPS power support.

Essentially a giant backup battery, a UPS (uninterrupted power supply) protects your computer from harmful power outages, spikes and drops. Such an appliance is particularly important in this day and age, as electricity has become “dirtier,” which means that it fluctuates in strength, says Davis, who notes that electrical variations can be particularly harmful to computers.

“A UPS is essentially a giant surge protector with a battery behind it that cleans the power,” he says. “In the case of a sudden power outage, the UPS acts as a buffer. If the power remains off, the device allows the computer to power down safely rather than turn off abruptly, which avoids corruption of the computer’s operating system and loss of critical company data.”

While ensuring the protection of your company information does require some planning and attention to detail, the results of making sure your data is available when your small business needs it are well worth the effort.

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

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What Should Be in Your Employee Handbook?

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If your employee handbook needs an update, or you’re putting one together for the first time, here’s what you need to know.

Writer/Author/Publisher/Speaker, Garden Guides Press

AUGUST 08, 2012An employee handbook is an important manual that outlines your company rules and expectations for employees. While the handbook is designed to inform and protect the welfare of you and your workers, the document is only as good as its contents.

Ensure the effectiveness of your employee manual

by including the following important ingredients.

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1. Welcome and introduction. Take the opportunity to welcome employees and introduce the company. Briefly share company history, including facts, such as how the business got started and when. Also use this section to express the company motto and mission. For instance, if you’re a computer consulting firm that depends on word-of-mouth advertising to increase business, make it clear in the introduction that superior customer service is your top priority.

2. At-will employment statement. This section stipulates that employees are employed for an indefinite duration and just as they are free to terminate employment at any time, you as the employer can also let the employee go for any reason at any time.

3. Equal opportunity commitment. State in this section that employees are entitled to equal opportunity employment and that the company adheres to all state and federal laws that prohibit discrimination in hiring and employment.

4. Policy against sexual harassment and discrimination. This section expresses the company’s commitment to providing a workplace free of harassment and discrimination and outlines steps employees should take if they deem that complaints are warranted.

5. Payment policies and benefits. Outline in this section everything employees need to know about payment, including when paychecks are issued, information on reporting hours, what constitutes overtime and policies for taking time out of the day for meals. This part of the manual should also cover employee benefits, such as paid sick leave, vacation time, holidays and any existing health and retirement benefits.

6. Expense reimbursement guidelines. If you allow employees to incur expenses while on the job, outline what sort of expenses qualify, such as travel, mileage and parking, and give clear guidelines for how employees can get reimbursement for those expenses.

7. Rules regarding employee conduct. This section of the employee manual is likely to be lengthy, so break it down into various categories, such as the following:

  • Job performance standards and performance review guidelines.
  • Workplace behavior, including what constitutes professional behavior, the importance of punctuality and attendance and rules for interacting with clients.
  • The company dress code.
  • Warnings against inappropriate behavior and insubordination and what steps will be taken if the employee is found to step out of line. List the various types of prohibited behaviors, such as drinking on the job, and the disciplinary procedure for breaking the rules. Clearly state how an employee’s poor behavior can result in a warning or reprimand and what constitutes grounds for termination.

8. Health and safety concerns. Outline how safety always comes first, about workplace security and what to do in an emergency or if violence erupts.

9. Employee privacy guidelines. This section outlines the rights employees have in terms of their privacy regarding the use of company telephones, e-mail and Internet use. Detail what behaviors are considered inappropriate regarding the use of company communication devices and when such behavior may incur disciplinary action.

10. Employee files and corresponding rights. Here you should outline how the company keeps a file on each employee and what is contained in the file. The section should also guarantee that employee files are kept in a secure location and are considered confidential. State that employees may also request to look at their files whenever they choose.

11. Non-Disclosure Agreements and Conflicts of Interest Statements. If your company’s success depends on the protection of sensitive information, a section on the importance of employees’ safeguarding information is warranted, as well as what employees should do if they feel that there has been a security breach. Also outline in this section what constitutes conflicts of interest and what will happen if an employee is found to have a conflict of interest.

12. Receipt and acknowledgment page. Place at the end of the handbook an acknowledgment and agreement page that employees must sign and return. Such a form states that they have read the entire manual and understand its contents and will abide by the rules of the company. Once signed, file the document in each employee’s file.

Knowing what to include in your employee manual is the first step to assuring that you and your employees are on the same page.

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

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Is It Possible to Refinance an Underwater Mortgage?

With mortgage rates at record lows, refinancing is an alluring option that can provide debt help by transforming a high-interest, adjustable-rate mortgage (ARM) to a low, fixed rate. You may think that doing so is impossible if your mortgage is greater than the value of your home, but thanks to government-sponsored refinancing programs, refinancing despite while underwater is actually possible.

HARP

The Make Housing Affordable program (MHA) was created by the Obama Administration to help homeowners avoid foreclosure. The organization’s Home Affordable Refinance Program (HARP) is designed to help individuals who are unable to get traditional refinancing assistance obtain more affordable mortgages despite owing more on their mortgage than their home is worth.

To be eligible for HARP, you must not be delinquent on your mortgage payments. In addition, your mortgage must be owned or guaranteed by Freddie Mac or Fannie Mae and must have been sold to Freddie Mac or Fannie Mae on or before May 31, 2009. Lastly, the current loan-to-value (LTV) ratio of the home must be more than 80 percent, meaning the program exists solely to help those with little or no equity.

FHA Short Refinance

Also sponsored by the MHA, the FHA Short Refinance program is designed to assist homeowners in refinancing into a more affordable and stable FHA-insured mortgage. Your mortgage lender must agree to participate in this mortgage refinance and it must agree to lower your owed amount to no more than 97.75 percent of your house’s current value.

Eligibility requirements require that you must owe more than your home is worth and that your mortgage is not owned or guaranteed by the VA, USDA, Freddie Mac, Fannie Mae or the FHA. You must also be current on your mortgage payments and use the home as your primary place of residence. Your total debt cannot exceed 55 percent of your monthly gross income, and certain felony convictions within the last 10 years will also disqualify you.

Armed with the right information, refinancing an underwater mortgage is a real possibility that can vastly improve your debt 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 a wide variety of publications, including Family Circle, Ladies’ Home Journal, Parenting, Entrepreneur and The Los Angeles Times.

Eight Steps for Finding the Perfect Vacation Rental Home

[vc_row][vc_column][vc_custom_heading text=”Eight Steps for Finding the Perfect Vacation Rental Home”][vc_single_image image=”332″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]Finding the perfect place to stay is an important component to any vacation. Follow these eight easy steps to find the vacation rental that’s right for you.

Decide on an ideal location for you rental.

Would you rather be on the beach, in the downtown area or on a relaxing piece of land on the outskirts of the city? Narrow your search to a certain radius.

Set a budget.

Determining how much you can afford to spend on your vacation is important because financially over-committing on a vacation rental can cut into your spending money for the trip. Come up with the maximum amount you’re willing to pay and have that figure firmly in your mind when searching for a rental and negotiating.

Set priorities.

Is a pool on the property essential, or is being in walking distance to restaurants and nightlife your preference? You may not find a rental in your budget with every last item on your wishlist, so determine what’s most important upfront.

Complete a thorough search.

There’s a big world out there and a lot of vacation rentals available, so take your time choosing the rental that’s right for your circumstances. Complete the online tours and read the fine print. Be sure to read any reviews that former vacationers have written about the property. If there aren’t any, ask property managers for references. Also, consult with a travel agent and let the person know what you’re looking for in a vacation rental.

Get the specifics.

Knowing whether linens and towels are provided or the kitchen comes fully stocked — does it have pots and pans, paper towels, and that all-important coffee maker? — helps you make the right decisions when it comes to your vacation rental home. If you’ll be flying into a destination, then such items are a necessity, whereas you can always bring your own if you’re driving there. You don’t want to have to buy expensive essentials when you arrive, nor waste precious vacation time on errands, so it pays to ask.

Discover the true price.

The amount of the rental can seem deceiving if the owners only list the base price. Inquire about whether there is a security deposit, fees for laundry and parking, or a required end-of-stay cleaning service fee. In some countries, you may also be responsible for heating and cooling costs. Inquire about when the deposit is required and how to make the payments.

Negotiate an agreement.

If a written agreement isn’t offered, insist on such a document, which should clearly spell out all of the financial details, the length of the stay, allowed and forbidden activities and behaviors when using the property, cancellation policies and how you’ll get and hand off the keys.

Research the surrounding area.

Before traveling, do some research on the community in which you’ll be staying. Discover where to find nearby grocery stores, restaurants, and local entertainment and attractions when you arrive, and if traveling abroad, make yourself aware of any potential safety issues.

Finding the perfect vacation rental home helps make your travel dreams a reality.[/vc_column_text][/vc_column][/vc_row]

How to Start a Business the Right Way

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Evaluating small-business opportunities can save you time, money and headaches down the road.

Writer/Author/Publisher/Speaker, Garden Guides Press

JULY 04, 2012 Small-business owner Jason Geno evaluated opportunities for over a year before leaving his day job to strike out on his own in 2003. In human resources and operations management at the time, he squirreled away money for making the leap while performing the legwork necessary to open his own business.

“From the first day I decided to start my own business, I took a planned approach to investigating various business options,” says the owner of Washington, D.C.-based Human Capital Initiatives (HCI), which analyzes and advises on the efficiency of public agencies and private mid-size companies.

“I chose an area I loved—consulting and advising—and then pinpointed a specialty and market that required those services,” says Geno, whose company today pulls in over $1 million in revenue annually.

Such attention to detail during the investigation stage of starting a business means a higher likelihood of success, says Lang Glotfelty, chairman of the San Antonio chapter of SCORE, a mentoring program for entrepreneurs sponsored by the Small Business Association (SBA). “Evaluating a small-business opportunity should take at least six months,” says Glotfelty, who has owned seven of his own companies in records management and fixed-asset inventory and regularly advises individuals who are just starting out.

Here are a few things to consider when researching a possible entrepreneurial path.

Consider your background and interests. To discover your ideal business, start by examining areas in which you have experience and that inspire you. “Since you’ll be eating and breathing your new venture, especially for the first three years, it’s important to love the business,” says Glotfelty, who also recommends that new business owners have some background in their chosen field. “Staying in your comfort zone makes running a business much easier, and the contacts you already have are vital to the success of your new venture.”

Identify a need. When deciding on his business, Geno drew from his experience in human resources and operations management and looked for areas in consulting where there was a gap in service. He noticed that large companies had access to efficiency consultants and advisers but that there was a dearth of help for mid-sized companies, so he decided to target that market.

When examining markets, Glotfelty advises potential business owners to look beyond superficial findings. “If you come up with an idea for a consignment store for teenagers and you can’t find any in your market, either you’ve got a really good or really bad idea—which is where market research comes in,” he says.

Identifying if there is a product or service like yours and who is likely to frequent your business is vital to starting a business. A number of government sources offer a wealth of information about markets, trends and consumer behaviors, including the SBA’s business data and statistics page, the U.S Census American Fact Finder, Fedstats.gov and the comprehensive Economicindicators.gov , which provides market and economic information from the Bureau of Economic Analysis and the Census Bureau.While it’s a good idea to look for new or expanding markets, tread lightly around trends and products and businesses that change quickly and may become obsolete or overcrowded tomorrow.

Determine location. Where you can set down roots is another critical component of assessing the viability of your business idea. If your business is a brick-and-mortar retail, you’ll need a location with a high volume of appropriate traffic. Service businesses offer more leeway in terms of location and can even be started at home, but you’ll still need to think about realistic proximity to your clients.

Crunch the numbers. Choosing the right business also requires looking at the financial facts. “Lay out your financial plan for the first 12 months, including your costs, projected income and growth and see how long it’s going to take you to see a profit,” says Glotfelty.

Determine how much the business is going to cost you and how you’ll pay for it. Options include bank financing, savings, personal credit and borrowing from friends and family.

What are your favorite methods for evaluating business opportunities?

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

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Planning an Event? Find the Perfect Florist

[vc_row][vc_column][vc_custom_heading text=”Planning an Event? Find the Perfect Florist”][vc_single_image image=”622″ img_size=”full”][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]Flowers add a decorative touch to any occasion, and guests are always impressed with an interesting arrangement. Look for the following qualities when finding the perfect 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 to see that the establishment is organized and well run, and inspect the various arrangements on display. Are they creative, attractive and fresh? Is there a good selection? 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 the day of your event. Seek out a florist that provides good service on the phone and in person. When you’re at the shop, watch how the florist deals with other customers. Employees should be happy to answer all of your questions. Also, choose an establishment with hours convenient to your schedule.

Customized Attention

Your event is one-of-a-kind and deserves an individualized approach. Avoid florists that attempt to offer cookie-cutter advice and products. Look for a florist who asks you questions specific to your event and responds with tailored advice regarding your floral arrangements, including several options from which to choose.

Happy Customers

Professional florists are willing to share the names and contact information of customers who have given them permission to do so. Ask the florist’s clients who have held similar events about their experiences. Ask questions that encourage them to describe the events and the flowers, rather than queries that produce yes or no answers. Check DexKnows for reviews of the florist you’re considering.

On-Time Delivery

When it comes to floral delivery, punctuality is imperative. Ask the florist who makes the deliveries and inquire about contingency plans in case of traffic or other problems. Some companies outsource the delivery service, which is fine as long as the company is reputable and reliable. When checking references, also ask other customers about the punctuality of the service and quality of the flowers when they arrived.

Professional Ties

Reputable florists generally belong to professional organizations. This allows them to keep up-to-date on current trends and products and gives them access to training and licensing. Look for a seal of approval from organizations such as FTD, Teleflora and the Society of American Florists, as well as appropriate 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.[/vc_column_text][vc_column_text]

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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.

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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.

APRIL 27, 2012

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.

Flash 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,” she says. “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. “I’ve received a great deal of support and encouragement through the SCORE program.”

At SCORE, Caldwell is involved in the CEO Forums program, which brings together groups of business owners of similar incomes who meet and share their experiences. Caldwell also takes classes at SCORE, including one on improving websites.

“The instructor put my website up in front of the class and told me what I was doing wrong, which included some broken links and navigation issues,” she says. “That taught me to check my website regularly and make sure it’s working.”

Weathering the Recession

Prior to mid-2008, Caldwell posted $1 million in annual sales and had 11 employees. She cut her workforce in half during the recession and saw sales dip 40 percent, yet she still managed to stay in business and remain profitable. She attributes her survival to the ability to face reality.

“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,” she says. “When I found myself dipping into retirement savings in order to make payroll, I realized I had to make cuts in personnel and move to a smaller location. I terminated employees and moved from a 4,400-square-foot office to a 1,800-square-foot space that costs just one-third of what I paid before.”

Caldwell also saved money and increased profitability by becoming more discriminating about advertising.

“I used to pay for several full-page magazine ads, but I’ve narrowed my choice in placement and make sure to always include discount codes on the ads so that I can track when they’re working.”

New Products

Like all successful entrepreneurs, Caldwell responds to trends and remains viable by staying one step ahead of her competitors. When copycat brands popped up, she added quality vinyl wall art to her offerings. Her most recent is her hot rod collection.

“The guys love the hot rods because they finally get the car they always dreamed about,” she says. “For me, remaining profitable and enjoying myself 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. She blogs for Contently

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Photo credit: Thinkstock

Why Retirement Should Be a Top Priority for Female Business Owners

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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, 2012Seven 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, who is 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.”

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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 those concerns are not a top priority, says 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 the possibility of having to continue working into retirement in order to make ends meet, according to the study.

“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, which educates women on retirement planning, 16 years ago after working for a government-funded women’s pension project.“Women called in during the project 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, 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 a top priority can actually be easier for female entrepreneurs, who are accustomed to analyzing income and 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.”

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

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Healthcare: How Group Purchasing Saves Money

Medical GPOs obtain discounted rates on medical supplies and services, helping small practices stay afloat.

FEBRUARY 23, 2012

Medical practices face a high cost of doing business, which seems to increase each year. Group purchasing organizations (GPOs) offer a risk-free method for saving money that benefits practices of all sizes.

GPOs capitalize on the collective bargaining power of members and obtain discounted rates on medical supplies and services. Leveraging the power of many in the field of healthcare enables even the smallest practices to enjoy substantial savings on necessities like vaccines.

Bolstering the bottom line

“If your practice doesn’t belong to a GPO, you’re losing money,” says MBA Brandon Betancourt, a practice administrator for Salud Pediatrics in Algonquin, Illinois.

“Vaccines are the second most expensive line item on our income statement,” he says. “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 in vaccines each year, the savings is even more significant.”

GPOs benefit all physician specialties, including pediatricians, family practitioners, internists, obstetricians and gynecologists, says Paresh Patel, national sales manager for CCPA Purchasing Partners (CCPAPP). The group provides GPO services to a wide variety of medical providers.

“Faced with decreasing reimbursements from managed-care companies and Medicare and Medicaid, it’s more important than ever for medical practices to use GPOs to reduce expenditures,” says Patel. “In addition to helping offset the cost of vaccines, some GPOs provide additional savings by contracting with vendors. [Those include] companies that provide medical and office supplies, payroll services and medical-waste disposal.”

In the shifting climate brought on by the current health care reform, the use of a GPO may mean a practice thrives rather than just survives.

“The current health care reform has resulted in hospitals purchasing large physician practices for patient volume,” says Patel. “The medical practices that don’t get purchased must be especially financially stable to operate independently, and GPOs can help them achieve this.”

Minimal outlay

Most GPOs don’t charge physicians to join, because they make their revenue from vendors eager to provide discounts in exchange for access to large groups of physicians. Obtaining ready-made clientele lets vendors to save on marketing and promotional costs.

If a GPO charges a fee, it should be nominal, says Patel. He notes that CCPAPP offers an associate membership, which is free. It also has a limited partnership membership that physicians join by paying $10 and then they are eligible to receive a financial distribution at year’s end.

Minor restrictions

Most GPOs allow you to pick and choose which vendors in their roster you would like to use. CCPAPP, for instance, has a portfolio of 15 vendor contracts. Practices can opt in or out at any time.

Most GPOs do not have purchasing requirements, with the exception of vaccine compliance. Generally, practices must commit to purchasing vaccine products from one manufacturer, restricting competing products.

Joining a GPO is easy, says Betancourt. “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

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Photo credit: Thinkstock

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

Dumpster diving is just one of the reasons why CleanScapes was one of the fastest-growing private companies last year.

Writer/Author/Publisher/Speaker, Garden Guides Press
FEBRUARY 22, 2012When property manager Rebecca Stum met with an account manager from the environmental waste management company CleanScapes a couple of years ago, she anticipated quickly reviewing the trash arrangements at her company’s 35 properties. Stum didn’t expect the CleanScapes account executive 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 is with Allegra Properties located 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.”

Superior customer service that includes close attention to detail is at the heart of why the Seattle-based CleanScapes was among Inc. magazine’s list of the 500 fastest-growing private companies in 2011.

Exponential growth

CleanScapes opened its doors in 1997, originally providing subscription-based environmental streetscaping services, such as graffiti removal and litter control, to Seattle’s Pioneer Square area. Eventually the company branched out, adding large-scale solid waste and recyclable collection to its repertoire, growing from $4 million in revenue in 2007 to nearly $50 million in 2010.

How the environmental waste management company grew the business more than ten-fold in just three years has to do with its creation of attention-getting programs that improve the environment like the Dumpster Free Alley project. The program allows customers who were previously using dumpsters to switch to daily bag collection, leaving alleys clear and safe to walk in. The program was so successful that it inspired Seattle’s Clear Alleys Program

.City contracts

CleanScapes was already on the city of Seattle’s radar when the company bid on the waste service contracts for three municipal areas and won two of them, later gaining two more contracts in 2009. Obtaining large city contracts swelled the company within a year from about 25 employees to a workforce of 300. (Get tips on on-boarding new employees.)

“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,” says CleanScape’s community and government affairs manager John Taylor, who notes that Seattle has 8,000 commercial customers and about 61,000 residential clients.

Though hiccups might be suspected with such an immense transition, the conversion ran smoothly, says Taylor, who notes that Seattle now experiences some of the best waste collection service in decades.

“We pick up 160,000 cans in a week and could contractually miss 160 pick-ups, but we only experience 12 to 20 oversights,” says Taylor. “Past contractors missed as much as 500 per week.”

Motivated employees

How the company manages to offer exemplary customer service has to do with fostering a positive employee climate.

“It’s interesting to note that the workforce once performing poorly is the same workforce we were required to hire,” says Taylor, who attributes their improvement in performance to a
couple of factors.

“CleanScapes clearly articulates to employees the company’s mission and goals and lets them know they must abide by our policies,” he says. “At the same time, we’ve also got their backs.”

The use of sophisticated computer technology, including 360-degree cameras on the trucks, allows the company to determine if a trashcan was placed out according to schedule.

“If a customer calls to complain that the garbage wasn’t picked up and we find that the driver arrived to no trashcan, we’ll say so,” says Taylor.

CleanScapes also makes employees feel like a part of the team so they care about achieving excellence.

“As a small business, we’re competing with multinational corporations with layers and layers of management,” says Taylor. “With such large companies, there’s often a disconnect between what goes on in the trenches and the upper echelon. At CleanScapes, we have a weekly meeting involving all of management, including route supervisors, during which time everyone has a
chance to voice their opinions and concerns.”

Lofty goals

While 1,000 percent growth may sound insurmountable to the average small-business owner, Taylor points out that bold goals lead to success.

“Our president, Chris Martin, sets audacious goals,” he says. “There are 37 suburban cities in King County where we’re located, and they all have garbage contracts coming up for renewal. We intend to win every single contract. When you set formidable goals, what’s the worst that can happen? If you achieve half of your goals, you’re better off than you were before.” (Get more tips on achieving your goals.)

A freelancer since 1985, Julie Bawden-Davis has written for many publications, includingEntrepreneur, 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

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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.”

Knowing the qualities to look for in effective signage helps you take advantage of this tried-and-true form of marketing.

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.

“In the case of digital signs that contain a photo or illustration, if the sign will be viewed close-up, it’s important that the artwork is 300 DPI, whereas a sign seen from a distance can be 72 DPI,” says Caldwell.

The words on your sign are equally important. Avoid confusion by using a maximum of three fonts on each sign, and make sure the letters are large enough to read from a distance. For vinyl window lettering, Caldwell says to use a light, bright color, as darker hues don’t stand out. Avoid a cluttered look on the sign by aiming for brevity with your message.

Considering how important great looks are, Markowitz suggests that small business owners hire a graphic artist if sign design doesn’t fall within 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

Not surprisingly, top-quality signs are made from high-quality ingredients. “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.

“Cheap, thin paper crinkles and fails to hang well, although if the paper is too thick, it will curl up when hung, because it was rolled in a tube for shipping,” he says. “Ideally, the paper weight/thickness should depend on how much ink is used on the sign.”

Pricing

Fortunately, a high quality sign doesn’t have to cost a fortune. Brick-and-mortar and on-line sign shops usually charge by the foot for large signs, which varies by the materials used. Paper and vinyl are relatively inexpensive and static cling and one-way see-through signs like those found on buses are more expensive.

As a general rule, Markowitz says that large signs can run as low as $1 per square foot for banners and as much as $10 per square foot for small signs. Caldwell’s 5- to 6-foot vinyl window signs generally run $100, including installation. If you require graphic design assistance, it usually costs between $75 to $200, plus the cost of stock photos at $10 to $50 apiece.

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

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Ten Innocent Ways to Damage Your Credit Score

[ou 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.

More On This…

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 Opens a New Window.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 outweighs the potential hit to your score.

7. Negotiating a lower APR

Negotiating a lower APR Opens a New Window.on your credit card may seem like a smart move for cutting expenses and boosting your savings account Opens a New Window., 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 Opens a New Window.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.

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.

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

Deck Contractors

A deck brings the indoors outside, making a comfortable and eye-catching gathering spot for family and friends. If well-built and constructed of high-quality materials, it can last for many years. To ensure its longevity, carefully consider the deck contractor you choose.

What is a deck contractor and what do they do?

Deck contractors are craftsmen who design and build decks based on client desires and available landscape space. They measure property and draw up detailed plans. “For projects such as second-story balconies and steep hillsides, deck contractors also consult with engineers, who complete necessary calculations to make sure that proposed projects are sound,” says contractor Greg Ethenoz, owner of Beyond Decks in Thousand Oaks, Calif. “Engineers make adjustments to deck plans, if needed.”

Types of deck materials

Pressure-treated wood is one of the least expensive materials used. A costlier, more durable wood product is the hardwood Ipe, also known as Ironwood. To maintain their integrity, all wood decks require a yearly treatment with UV deck oil. Composite, made of real wood and plastic products, has gained popularity in recent years. This long-lasting material requires no yearly oiling, but needs occasional cleaning. The newest material gaining popularity is all plastic PVC, which is more expensive than composite, yet virtually stain-proof.

Deck permits

Permits, which validate structural integrity, are sometimes required. According to Ethenoz, in California a permit is essential if the structure is higher than 30 inches from the ground or attached to the house. Permits are obtained from your local city offices by showing the appropriate officials your new deck plans. If you live in development with a homeowner’s association, make sure that decks are allowed.

Budgeting for a new deck

Reputable contractors provide detailed quotes that outline entire projects, including materials, labor and permit costs. Incremental payments should be due as projects progress. Costs vary according to the size and scope of the project. Ethenoz charges $35 to $50 per square foot for a standard shape that requires no permits and higher for non-standard or elevated decks. Fill out the form on this page to get quotes from deck contractors in your area.

References and examples

When considering a contractor, view examples of his or her work and ask for references. Inquire with clients about the contractor’s professionalism and workmanship, and ask how well their deck is holding up.

Landscapers And Gardeners

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

  1. Insured and licensed. Legitimate landscape contractors and architects protect themselves and you by carrying liability and worker’s compensation insurance and are licensed through local government authorities and members of organizations such as the Landscape Contractors Association.
  2. Good listener. A professional landscaper gives you what you ask for, not what he or she thinks you need. Such an individual will let you know, however, when a landscape choice is not a feasible option.
  3. Calls in expert help. A good landscaper knows his or her limits and consults with experts, such as arborists, irrigation specialists and pesticide applicators, when necessary.
  4. Educates customers. Effective landscape professionals instruct you on maintaining your landscape before they leave the project.

Gardeners

Gardeners generally provide lawn care maintenance, which means mowing your lawn and may include minor pruning, fertilizing and weed control. Gardeners generally lack formal horticultural training and charge the least of all landscape professionals. According to Anaheim, Southern California-based landscape contractor Victoria Michaels of Victoriagardensmith, Inc., a local gardener charges from $50 to $250 a month, depending on frequency and the services provided.

Landscapers

Also known as landscape contractors, landscapers have formal horticultural training, which includes degrees and certifications. “Such individuals know plant material, correct plant placement and design, fertilizer and pesticide use, lighting and irrigation,” says Michaels. A landscaper is often your best choice if you require a landscape designed and installed. In California, local landscapers generally charge on an hourly basis with rates ranging from $30 to $150 per hour, depending on the size and scope of the project.

Landscape architects

Landscape architects have a Bachelor’s or Master’s degree that includes training in the design of landscapes as well as outdoor hardscape items such as retaining walls, decks and gazebos. Such individuals draw up detailed landscape plans that are usually used by landscape contractors for implementation. Landscape architect fees are substantial, with many charging several thousand dollars for a landscape plan.

Finding local landscapers

If you see a yard that impresses you, inquire whose services the homeowner employs. You can also ask for local landscaper recommendations at your nearby nursery or garden center and through your state’s landscape contractors association.

Let Someone Else Ship Your Stuff

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

NOVEMBER 08, 2011

Today clients rave about Andrew Simmons’s customer service, but not long ago disgruntled buyers plagued him.

“Five years ago, my customers hated me—some even threatened to hunt me down,” said the entrepreneur, whose Seattle-based holding company, Six Shooting Stars, carries a variety of software for the arts-and-crafts business, including a best-selling beading program. While buyers weren’t upset about the quality of his products, they became incensed about not receiving them.

“In addition to the U.S., I ship overseas, and 50 percent of my packages were vanishing,” said Simmons, who even opened his own warehouse to combat the shipping problem, which he ran from 2004 to 2007. “Unfortunately, managing the shipping facility ended up causing more problems than it was worth, and the overhead was high,” he said. “The happiest day of my life was when I shut the warehouse down and started outsourcing my shipping.”

Off-site warehousing

Fortunately for small business owners like Simmons, warehouse giants like eBay and Amazon have moved into order fulfillment, which means that entrepreneurs can focus on building their brands while their products are stored and shipped elsewhere.

With order fulfillment, automation that includes seamless ordering and shipping is the reward that frees entrepreneurs up to run their businesses, said Nate Gilmore, vice president of marketing and business development for Shipwire, an order-fulfillment company for small business owners, including eBay merchants. Services like Shipwire will warehouse products in various geographic areas and are connected to shopping carts, fulfilling orders as they come in.

“For small businesses, the benefits of order fulfillment are many,” Gilmore said. “Business owners reach customers more quickly and build a global platform for growth. They’re able to invest money previously spent on warehousing, on inventory and product development.”

Making room for creativity

Small business owners who switch to off-site order fulfillment find their productivity also skyrockets once they’re not bogged down by mailing responsibilities. “Having the ordering and shipping running on autopilot frees me up to tap into my creativity to develop and market new products,” said Simmons.

Better customer service

For Dan Provost and his partner, Tom Gerhardt, a switch to order fulfillment allowed them to fill orders much more quickly than they thought possible. The duo runs a small design company, called Studio Neat, and co-created the Glif—an iPhone accessory for mounting the Apple device at a range of angles. Glif debuted as an offer on the online funding platformKickstarter in October, 2010.

“The response on Kickstarter to the Glif blew us away,” said Provost, who is based in New York. “We expected to sell 500 and were prepared to mail them, but we got initial pre-orders for 5,000.” Part of their promotion involved mailing out a prototype to certain people who had pledged donations on Kickstarter, so they had to send out 500 of those.

“Stuffing bubble mailers on the weekend and taking bags of mail to the post office was a tedious time-suck, and we soon realized that we’d reached critical mass as to what we could do ourselves in terms of shipping,” said Provost. After checking out various fulfillment services, they decided on Shipwire, but the holidays had arrived.

“By the time the Glifs were rolling off the assembling line and getting packaged, it was the second week in December, and we had 7,000 orders to fulfill immediately,” said Provost. “Fortunately, Shipwire shipped all of the orders within 24 hours, making us look really good.”

Reduced stress

When Daniel Galhardo started Tenkara USA in April 2009, he knew that a key part of marketing this reel-less Japanese method of fly-fishing required shooting videos on location. He also found himself shipping more orders than he anticipated. For a four-day filming and exploration trip to the Sierra Nevada, he packed up an assortment of products for mailing and hit the road.

“I couldn’t disappoint my customers, so the plan was to check orders regularly and mail them at the nearest post office,” said Galhardo, who is based in San Francisco. “I was stressed about shipping the whole trip. Once I had to drive 30 miles out of my way just to find cell-phone reception and Wi-Fi. I started using an order-fulfillment service as soon as I returned home.

“Since then I’ve been able to go on more filming trips without worrying, including a recent two-month expedition to a remote Japanese village to learn more about tenkara. On that trip, I managed everything remotely, tuning out of the shipping side of things for days at a time.”

Testing the waters

Not all products lend themselves to order fulfillment. You must have sufficient inventory that can be stored off-site and a large enough profit margin for it to make financial sense.

Entrepreneurs who are uncertain if order fulfillment is right for them should try the concept with small quantities of product and have the fulfillment company mail merchandise to them so they can inspect the packaging. (Some fulfillment companies offer free trials.)

Once many entrepreneurs experience the seamlessness of having orders filled remotely, it becomes easier to grow; happy customers are repeat customers, and repeat customers spread the word. (Get more tips on shipping.)

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

An unpredictable concept can gain you droves of dedicated fans.

OCTOBER 26, 2011

It was a colleague who first approached restaurant owner and chef Abigail Hitchcock about holding dark dining events in her Greenwich Village restaurant Camaje. While the unusual notion of serving diners in the dark intrigued her, she was skeptical about how well the events would fare.

“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. A couple years into it, I was amazed that we were still doing them. We’re now in our sixth year, and our twice-monthly events are almost always sold out.”

Dark dining’s disruptive appeal has won a small but dedicated following. It also illustrates how novelty can win clientele for enterprising restaurateurs.

Dana Salisbury is the creator and director for New York-based Dark Dining Projects,  which orchestrates the dark dining events at Camaje and various venues across the United States and internationally. She reports increasing interest in her dining events, which include dance performances.

“Dark dining appeals to a wide variety of people—from individuals celebrating special occasions, such as birthdays, anniversaries and marriage proposals, to diners seeking a new experience, to businesses wishing to hold unique fundraisers,” says Salisbury.

The dark-dining phenomenon

Rooted in Europe, where the concept has been enjoyed for years, dark dining ensures that dinner guests are unable to see their food and surroundings, either through the use of blindfolds or completely darkened rooms. While the execution of the dining experience varies, the concept is the same: The inability to see your food sharpens your other senses and lets you experience your meal more acutely.

Dark diners report foods are more flavorful and smell headier. They also hear sounds they may not have noticed before and experience an elevated sense of touch. Diners at Salisbury’s events, for instance, feel the dancers when they pass by, and many dark diners choose to dispense with utensils and use their hands to eat.

“A phenomenon occurs after a few minutes in the dark,” said Christopher Lynch, General Manager for Opaque.   The company has dark-dining restaurants in San Francisco and Los Angeles, where diners are served in pitch-black dining rooms by legally blind waiters.

“Usually around the appetizers and entrees, diners begin experiencing more subtle flavors and have a noticeably heightened sense of hearing, which helps them paint a picture of the room in their mind,” Lynch said.

Inner experience

At Salisbury’s dark-dining events, guests wear comfortable blindfolds that completely black out their surroundings. “The guests put the blindfolds on not to intimidate but to elucidate,” she said. “Plunging into darkness liberates people in a deep way. Because they can’t see, things aren’t superficial. Instead of being on the outside watching and judging, they pull in and truly experience.”

Sarah Young is a New York dance performer and instructor who has worked Salisbury’s dark dining events and experienced them herself. “Because I wasn’t overstimulated visually while dining, I discovered a balance between what was going on inside my head and outside—and I could actually hear myself think,” Young said. “I forgot all about my insecurities in terms of how I might look to others and became immersed in the experience and accepting of the unknown. My companion and I communicated on a much deeper level than we would have in an ordinary dining experience.”

Dark dining reactions

Responses to the dark dining experience are generally positive with diners remarking that they feel refreshed and even a little more self-confident.

“The experience is eye-opening—no pun intended,” says Lynch. “By being in the dark and having to rely on their other senses, people experience a different set of emotions. Afterwards, they’ll express how enjoyable, enlightening and fulfilling the experience was. We’ve even had individuals with a family member who is blind get very emotional.”

Other industries can learn from dark dining’s success

The buzz surrounding dark dining is every business owner’s goal. While the concept brings a unique idea to the table, good ideas still have to be well-executed to be successful. For this reason, it’s important that entrepreneurs know what they want from their business, set up a good structure from the outset and believe in what they’re doing.

“If you look in the mirror every day and know what you’re doing is right, then it probably is,” Lynch said. Though following a charted course is advised, he also suggests staying flexible. When Opaque first started, they planned on adopting the European concept which requires diners to be surprised by the meals served.

“Many of our customers—perhaps to balance out the uncertainty of eating in the dark—wanted to choose their own meals,” Lynch said. “As a result, we now offer the option to select menu items or be surprised.”

The lesson: Those who come up with a unique concept and add a dash of mystery and surprise are likely to capture the fancy and dedication of customers.

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

Profile: Kyle Bryant – Cycling For A Cure

Like many boys, Kyle Bryant actively participated in sports.When problems with incoordination plagued him throughout adolescence, his parents took him to multiple doctors. Finally, when he was 17, they discovered that he suffered from the rare genetic condition known as Friedreich’s Ataxia (FA), a disorder that is both crippling and progressive. Though the news of this devastating illness could have sent Bryant deep into despair, his thoughts took a different turn.

“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.”

When Bryant graduated from college in 2005 with a degree in engineering, he discovered how he could contribute to the FA cause. “It was getting difficult just to walk down the street, and this made me feel trapped and anxious to do something,” recalls Bryant. “I saw a guy on TV riding a special tricycle and thought, I can do that. So I bought a trike.”

Bryant pedaled seven miles on his first ride and continued to best himself, reaching 50 miles a few Weeks later. Just four months after getting his trike, he decided to tackle a 100-mile ride benefiting the American Diabetes Association.“During the last 20 miles of the Diabetes ride, I realized that I was going to finish, and I thought, If I can do this, I can do anything,” says Bryant. “At that point, I realized that things aren’t supposed to be easy, but if you take the right steps, things will happen, and it can be incredibly satisfying and empowering.”

At the back of Bryant’s mind during the 100-mile ride was a plan to set up his own ride to benefit FA research, which he did in early 2007 when he launched his fundraising organization, Ride Ataxia, by biking 2,500 miles from San Diego to Memphis in 59 days. The trip, which he took with his father and uncle, raised $40,000 and was matched by two FA organizations, elevating the total to $100,000. Since then Bryant has initiated the raising of nearly $1 million for Ataxia research.

“I realized after my diagnosis that it’s important to not use your circumstances as an excuse to feel sorry for yourself, but to use it as an excuse to do something great with your life,” says Bryant, a member of The Klassy Talkers in Sacramento, California, who was a semifinalist in the Toastmasters World Championship of Public Speaking last August. Bryant puts his speaking skills to good use. Organizations such as the Muscular Dystrophy Association, schools and pharmaceutical companies hire him to share his story of faith and persistence with their audiences.

Becoming a Spokesperson

For a couple of years after starting Ride Ataxia, Bryant worked full time as an engineer and rode and raised funds in his free time. In October 2009, he left his engineering job and accepted a position with the Friedreich’s Ataxia Research Alliance (FARA) as its spokesperson. Ronald Bartek is co-founder and president of FARA. He met Bryant in 2007 at the kickoff of the San Diego-to- Memphis ride. “Kyle is an inspiring man of real quality and character with a winning personality and a wonderful way with people,” says Bartek. “In addition to inspiring patients with FA and their families and friends, he has invigorated the FA scientific community. Thanks to his fundraising and collaboration efforts, scientists are now saying the ‘C’ word. Up until about five years ago they wouldn’t think of mentioning the possibility of a cure.”

Robert Wilson is an FA researcher and professor at the University of Pennsylvania who agrees with Bartek’s assessment.“The progress in FA research is Unprecedented, especially for a rare disorder, and Kyle’s role in terms of direct funding and inspiration has been crucial,” says Wilson. “It takes major dollars to perform biomedical research, and Kyle has raised extraordinary sums, which is critical for developing effective treatments and a cure for a rare condition such as FA.”

Wilson is also impressed with Bryant’s strength, despite having the disorder. “I find Kyle amazing,” says the researcher. “FA causes extreme muscle fatigability. It’s difficult enough for anyone to ride for long distances, but for someone with FA, it’s nothing short of stupendous.”

After leading Ride Ataxia for about a year, Bryant decided in 2008 that he also wanted to share his story through public speaking. “I realized that relating my personal story with people would be the most effective way of getting the word out about the rides and our cause. So when one of my co-workers at the engineering firm where I worked invited me to a Toast masters meeting, I jumped on the opportunity. My first impression was that everyone spoke so well, and they all appeared to be having a lot of fun.”

Delivering a Powerful Message

John Tillison is a fellow Klassy Talker who is amazed at how Bryant has harnessed the power of Toastmasters to get his message across. “When Kyle gave his first speech a couple of Years ago, he told an upbeat story of someone who loved sports, until he described his disease, at which point the Ice Breaker took an emotional turn,” recalls Tillison. “As I got to know him better, we discussed how he could make his message userfriendly yet highly compelling, and his passion and sense of humor began to meld a very powerful message. I’ve been a Toastmaster for 18 years, and I can’t remember anyone improving more vastly than him.

What’s particularly encouraging is how he has used the skills he learned in Toastmasters to not only create awareness of the disease and spearhead a major funding project, but to inspire and touch the lives of others.”

For Donna and John Newman and their 13-year-old daughter Natalie, Bryant’s efforts offer inspiration and hope. Natalie was diagnosed with FA in May 2010, and the couple’s initial research of the condition presented them with dire news. “Everything we found on FA – such as how crippling and lifeshortening the disease is – devastated us,” says Donna Newman, who lives in Dallas, Texas. “We felt utterly hopeless until we stumbled on Kyle. The fact that he was working so hard to raise money to find a Cure for this disease and remains active himself gave us hope at a very dark time. My daughter got to meet him recently when he came to Dallas for a race, and I heard her telling her friends afterwards that she had met her hero.”

In June 2010, Bryant and two other bicyclists represented FARA in a Race Across America event. The team took turns biking the 3,000-mile, coast-to-coast trip, finishing in eight days, eight hours and 14 minutes.

“This disease does limit the ability of those of us with FA, making it tough to do anything, but I always remind myself that life is not about what happens to us, but how we react to what happens,” says Bryant.“I tell everyone to not let FA, or any other condition, limit them. Do what you’ve always wanted to do – even if it seems a little crazy – and do it now.”

For more information about Kyle Bryant, Ride Ataxia and FARA, visit http://www.rideataxia.org.

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

Scents and Sensibilities

ON QUIET FALL AFTERNOONS as Scott LaFleur works in his office at the New England Wildflower Society, he enjoys the sweet scent of trumpet honeysuckle (Lonicera sempervirens) 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 the society’s horticulture director.

While we often consider spring and summer months as the time to “stop and smell the roses,” the truth is fall provides an overlooked opportunity to enjoy the fragrance of the native garden. We asked experts in different locales to chime in on what native plants bring scent to their regions come fall. In Massachusetts, New England blazing star (Liatris scariosa var. novae-angliae) and black cohosh (Actaea racemosa) make the list. In the South: fragrant ladies tresses (Spiranthes odorata) shares its aroma, as well as Joe-Pye weed (Eupatoriadelphus spp.), with its fragrant blooms and vanilla-scented foliage. Texans have thorn-apples (Datura spp.), shrubby boneset (Ageratina havanensis) and chocolate daisies (Berlandiera lyrata) to thank for nice scents when temperatures finally fall.

Each time the Wildflower Center’s director of horticulture, Andrea DeLong-Amaya, gets a whiff of chocolate daisies blooming in fall at the Wildflower Center, she thinks of the “experience as a cheap, fat-free substitute for eating dessert.” Although it is true that there aren’t as many aromatic bloomers in autumn, there are still quite a few plants that offer a burst of fragrance, adds DeLong-Amaya. “Shrubby boneset (Ageratina havanensis), for instance, has musky-scented flowers, and daturas have a clean, tangy fragrance.”

When it comes to scent, natives are powerhouses. “Compared to non-native hybrids that are bred for traits like floral color and larger flowers, natives offer you a full fragrance experience,” says Pati Vitt, curator of the Dixon National Tall Grass Prairie Seed Bank at the Chicago Botanic Garden.  “The prairie dropseed (Sporobolus heterolepis), for example, is a native grass that comes to seed in the fall, forming beautiful reddish-brown tussocks that smell like sweet kettle corn. The aroma is so strong it makes you hungry.”

Considering their powerful fragrance potential, incorporating aromatic natives into the garden adds an unforgettable dimension to the autumn landscape. “Fragrance in the native garden has the benefit of creating a full sensory experience,” says LaFleur. “Sight, touch and smell all come together to tap into emotions and trigger memories.” He is particularly fond of New England blazing star, which is loved for its open, airy appearance and light fragrance, and rudbeckias that have a light scent that smells like meadows. “Black cohosh is a beautiful architectural plant with white blooms and a deep musky aroma, and asters give some of the best late-season fragrance,” LaFleur says.

Aroma is often thought of as coming from flowers, but scent also originates in leaves, bark, fruit, seeds and roots. “Fragrance is more often the result of the plethora of chemicals found in the vegetative portions of the plant,” says Anne Lindsey, president of the North Carolina Botanical Garden’s Foundation Board.

Plant oils evaporate and the molecules are released into the air, which is what causes scent. There are many different essential oils found in the plant kingdom, and each plant has a mixture of compounds that make up its unique fragrance.

A wide variety of natives in the fall landscape have aromatic foliage such as Autumn sage (Salvia greggii) and Damianita (Chrysactinia mexicana). Damianita has a pungent odor up close that gets sweeter as you move away. There are minty-smelling plants such as mountainmint (Pycnanthemum spp.) and coyote mint (Monardella villosa). Lemon-scented selections include lemonscent (Pectis angustifolia) and lemon horsemint (Monarda citriodora). Other monardas known for their pleasing aromas are wild bergamot (M. fistulosa) and bee balm (M. didyma). And sweet goldenrod (Solidago odora) is known for its licorice-scented leaves. (Visit www.wildflower.org/plants to learn about the native range of these plants.)

In California, sages add a wide variety of fragrant foliage to the fall garden, says Stephen Morgan, curator of the University of California, Riverside Botanic Gardens. “All of the salvias are especially aromatic, including Salvia ‘Allen Chickering’ (Salvia clevelandii x S. leucophylla) and white sage (S. apiana).”

So that visitors can experience their scent, Morgan says, “During fall school tours of the botanic garden, we instruct children to bruise leaves of fragrant California natives such as the Catalina perfume (Ribes viburnifolium) and in small doses the California bay laurel (Umbellularia californica), the scent of which can be overpowering and give one a headache, especially on a hot day.”

Fragrant fall bloomers also serve wildlife. Scent attracts important pollinators like bees and butterflies that might not otherwise make it into the garden.

Solidago species are important to migrating butterflies, and the white turtlehead (Chelone glabra), with its mild perfume fragrance, is critical to the life cycle of the Baltimore checkerspot. Birds also benefit.

Considering the great number of creatures depending on your fragrant garden, it’s important to treat it well. “Understand that many of your fragrant plants are food sources, so don’t fight with the creatures that rely on them for life, but embrace and nurture them,” says LaFleur. “Avoid using pesticides and other chemical-smelling industrial products that will detract from the fragrance and kill the important pollinators they attract.”

Maximize fragrance in your garden by using drip irrigation rather than overhead watering so that the plants will be dry by morning, which is the time when nectar is released. Place plants in high-traffic areas where they will be brushed up against and touched unintentionally. Or position them at nose level close enough so that you can take a quick whiff, readily rub a leaf, or pluck a sprig or flower.

Allow fragrance to collect and linger by planting in courtyards, patios, atriums,  outside of operable windows and near outdoor living areas. Also keep time of day in mind and realize that some plants, like daturas, have virtually no scent during daylight but emit their fragrant aromas come nighttime. Weather also will make a difference. Hot rays from the sun will heat up the volatile oils in plants like sage and perfume the outdoors. And the air inversion that occurs when the cooler air of nightfall hits the warmth from the day also can wake up some fragrances in the yard.

For best results, balance and layer. Avoid planting every fragrant fall native you can get your hands on, because the results can be overpowering and some scents don’t mix well. Combine plants with a high note scent with lower-key varieties. Some plants are so strong that you only need one in the landscape, while others are more subtle and require planting several in order to get a noticeable aroma.

“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 that you may not be able to pinpoint but will create the sensory mood of autumn,” says LaFleur. “Meadows are a great example of this. Here on the East Coast, the asters, grasses, raspberries and milkweeds all come together to make a New England autumn. As you get into late fall and the leaves begin to drop and degrade, the smell is very intoxicating – emitting an earthy, natural fragrance that signifies the last blast before the sterile stillness of winter sets in.”

Author Julie Bawden-Davis is a master gardener in California.

The International Flavors of Old Towne

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Standing the test of time, Byblo’s Café at 129 West Chapman has been a mainstay in Old Towne for 21 years. Husband-and-wife team Adel and Zalfa Mahshi bring authentic Mediterranean offerings to the landmark café, which was once a deli and grocery specializing in Lebanese offerings.

Originally from Lebanon, the Mahshis used to frequent the old deli. “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.”

Attempting to maintain the original grocery, Adel soon realized that the deli side of the business was more profitable. He then came up with the hot lunch special and the rest is history.

“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.”

With two patios in the front and back, and a seating capacity of 60, the café offers everything from kabobs and eggplant dip to hummus, lentil soup, gyros, and falafels. Breakfast is served all day and through the evening. A variety of omelettes are available, along with yogurt and fava beans cooked with garlic, lemon and olive oil.

“Everything is cooked on the light side,” Adel said. “Our food is considered healthy, light food.” Open Monday through Wednesday from 8 am to 3 pm and Thursday through Saturday from 8 am to 9:30 pm, Byblos Café continues to serve a steady 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.”

Byblo’s Café

129 West Chapman Avenue, Orange, CA 92866 / 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

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Measuring Cups: 4 Things to Know Before You Buy

Measuring cups are essential when accuracy is necessary in a recipe. Although you might be able to get away with a pinch of this and a splash of that in some dishes, in others, baking in particular, you need to be precise if your recipe is going to work out. Measuring cups are an essential basic tool for every kitchen. These days, there are lots of tempting choices when it comes to measuring cups.

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

1. Types

Two main types of measuring cups exist. Because wet and dry foods possess differing volume measurements, there are cups calibrated for liquid ingredients and those designed to measure dry foods. In recipes that call for precision, such as breads and cakes, it is important to use the right type of measuring cup.

Dry measuring cups come in sets that include a 1/8, 1/4, 1/3, 1/2 and 1 cup. They are usually made of plastic or metal and have a handle. The measurement for each cup ends at the top of the cup, so you can level off with ingredients for an accurate measurement.

Liquid measuring cups are generally one unit and come in various capacities, such as one-cup, two-cup and four-cup, although there are also very large liquid measuring cups with an 8-cup volume or more. Such cups come in a pitcher type shape with a spout for easy pouring and are a clear glass or plastic so you can see when you’ve reached the correct level.

Most liquid measuring cups are microwaveable, which is helpful when a recipe calls for hot liquids.

Considering the fact that you will most likely cook with wet and dry ingredients, it’s a good idea to get both types of cups, or invest in one of the new models on the market that measures both.

2. Materials

Measuring cups come in a variety of materials, and each has its advantages.

Stainless steel measuring cups are used for dry ingredients. Sturdy enough to last a lifetime, they resist staining and scratching, looking like new for years. They also don’t absorb odors. In terms of accuracy, they work very well, as they are usually easy to read. Stainless steel cups should be hand washed to keep them looking their best.

Plastic measuring cups are made for dry and wet ingredients, with those used for wet ingredients being transparent. Because plastic is porous, over time these cups can absorb odors and stain. Plastic is also not heat resistant, unless you buy cups made from silicone. They are usually dishwasher safe, however.

Glass measuring cups are generally made for wet ingredients and can handle hot liquids. Glass is not porous, so it absorbs no odors and rarely stains. They are dishwasher and oven safe and easy to read.

3. Storage Capabilities

Steel and plastic measuring cups have the space saving capability of being stackable, which makes it easy to fit them into a drawer. If space is especially tight, invest in a set of collapsible measuring cups which take up very little room.

In glass measuring cups, there are multi-cup capacity models with lids that enable you to mix up entire recipes in the cup and then cover the contents for easy storage.

4. Time-Saving Features

Various new innovations in measuring cups save you time in the kitchen, such as angled measuring cups for liquid ingredients. These possess a ring in the interior that enables you to look straight down into the cup as you pour, which avoids you having to bend over to check for accuracy at eye level and then remove liquid if you’ve over-poured.

Save time removing sticky ingredients such as honey from measuring cups by using an adjustable measuring cup. You adjust the cup to the desired measurement and then fill and turn a knob that activates a plunger, which pushes every last drop out in one fluid movement.

Now that you know what’s available in measuring cups, you can make an accurate decision as to what cups will best fit your kitchen and enhance your recipes.

Potential Consequences Of Obamacare

As the Affordable Care Act known as Obamacare soon takes affect, like many Americans you’re probably waiting to see how this expansive overhaul of the healthcare system will affect 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 evident.

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

Your current health insurance plan may change or disappear

Whether you’re comfortable financially with your current health insurance or feel you’re overpaying, your plan as you know it may change. In order to abide by new standards and avoid certain taxes, companies are likely to phase out some insurance plans and offer less desirable coverage that requires more financial outlay from you. In such cases, it may be more economical for you to leave your insurance and purchase coverage with government subsidies on the Obamacare state health exchange.

Your taxes may be affected

Obamacare will result in two tax changes that may affect you. The first is the amount you can contribute to a medical flexible spending account that allows you to save pre-tax salary for medical expenses. Until 2013, there was no government cap on the amount of money you could put in the account tax-free, but now that is limited to $2,500.

If you deduct a large portion of medical expenses from your taxes, the law also results in significant changes to how you fill out your tax return and your allowable deductions. Prior to Obamacare, a taxpayer could deduct medical expenses that reached over 7.5 percent of the person’s adjusted gross income. In 2013, that figure jumps to 10 percent.

Experience positive changes if you’re self-employed

If you’ve always wanted to be your own boss but have stayed employed for the health benefits, the fact that you can obtain affordable non-employer-based insurance all on your own means you can succumb to your entrepreneurial instincts.

Research done by the Kellogg School of Management at Northwestern University on what occurred in Tennessee when the state allowed individuals to obtain health insurance without going through an employer found a significant increase in the number of individuals who chose to chuck off the chains of what the study calls “employment lock.” Researchers at Kellogg estimate that the health reform will result in anywhere from 500,000 to 900,000 people going into business for themselves.

So, if you have a brilliant idea for how to make money but have been afraid to strike out on your own because of insurance, now is your chance to open up shop and provide your own debt help.

Though time will tell all of the ways that Obamacare will affect your finances, it’s good to know that more affordable care is likely to help you with your 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 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. 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 those cards featuring rewards like gift cards, cash back, gas credit or airline miles and 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 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 and 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 and 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…343,500*

*year to date

*

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.”

Known as common interest developments, CIDs are located in many types of neighborhoods from single-family homes to townhouses and condominiums–but they are all similar in that they allow individual owners the use of common property and facilities in exchange for following the rules and paying required monthly dues. All have a self-governing system that consists of a board, whose job it is to oversee the running of the association. Some associations hire a management company to handle the day-to-day operations; others rely on volunteer managers.

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.

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. Mandated to provide some of these amenities to home buyers and seeking to increase home sales, developers began adding facilities such as swimming pools and clubhouses to their developments. Associations were formed to oversee the maintenance and care of such amenities.

Though access to a community pool and freedom from mowing the lawn are often touted as the big perks of joining an association, those who choose the CID life know it involves much more.

“Living in an association is a lifestyle choice,” said Karen Conlon, president of the California Assn. of Community Managers, an organization of association property 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 plan documents before they buy.”

The governing document is known as the Declaration of the Covenants, Conditions and Restrictions, or CC&Rs, which contains the ground rules for the operation of each association. This often lengthy document identifies an association’s common area and responsibilities and lists rules by which residents must abide. Perhaps most important, it explains that the association must collect assessments, or dues, and that the homeowners must pay those 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 is granted the authority by law to lien and eventually foreclose on your home if you don’t pay.”

In light of the regulations, some people aren’t suited to association life. For Amy Dee, it required a major adjustment in attitude. She bought her Anaheim condominium 6 1/2 years ago with no prior association experience.

“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 problem Dee encountered 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.”

On another occasion Dee had trouble with a satellite dish. When the dish was installed, she broke a rule by putting it on the patio roof and exposing wires–the only way she could get reception. The association began fining her $100 a month for the infraction.

After meeting with the board, she was allowed to paint the wires an acceptable color. They eventually changed the rules and now allow satellite dishes on top of patio covers–largely because other homeowners had similar problems with satellite reception.

If you’re in the majority, things can run smoothly in an association community, said Jason Weissberg, who lives in a single-family home 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 the restrictions he’s faced, Weissberg agrees with the belief that rules are enforced to improve the quality of life.

Some homeowners seek out association life for the neat, consistent lifestyle it can offer.

“I grew up in a neighborhood where there was trash all over the place and people didn’t upkeep their landscaping,” said Christopher Ruffalo of Tustin Ranch, who is on the association board. “I much prefer living in a community where everything is well cared for.”

Individuals who have the energy and determination to change things in an association community can become board members, which is an elected volunteer position. Ruffalo became a board member six months ago.

“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,” he said.

Others who served as board members aren’t as enamored of the system. Bill Kelley of Anaheim Hills was a board member for two years when he lived in Orange and came to a different conclusion.

“Associations can be beneficial and have a viable use in maintaining property values if they’re not carried to the extremes,” he said. “The trouble begins when you have militant people on the board with unreasonable ideas. As far as I’m concerned, if someone paints their house in green trim, even though the rules say all brown–so what? Pink-striped trim might be troublesome.

“The challenge is finding reasonable people with common sense regarding the use of the association’s money. Some people would much rather wield a big stick, be unfair and conduct themselves inappropriately.”

Although the rules seem nitpicky at times, they can also work in your favor, as Ohmstede of Redondo Beach has found.

“My unit is right next to the pool, which is great when I’m using it, but if people are swimming late at night, it’s hard for me to sleep,” she said. “One night some very loud people were in the pool. I called my neighbor, whose job it is to close down the pool at night. She went out and had them out of that pool within five minutes.”

*

Points to Consider

If you’re thinking about buying a home governed by a homeowners association, consider the following:

* Do you like the idea of abiding by certain rules that dictate how the exterior of your home looks? Do you see having your home painted the same color as your neighbors as an asset or a deficit?

* Check out the association’s CC&Rs. Do they seem unreasonable? Or do you agree with most of the rules? Don’t assume rules will not be enforced–they generally are.

* Do you like the idea of living in close proximity to your neighbors?

* Can you afford the dues?

* How does the board resolve disputes?

* Talk to existing residents regarding the association.

For more information, visit the California Assn. of Community Managers’ Web site at www.cacm.org.

*

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 likes to cook and garden, so she combines the two hobbies by growing a cook’s garden. On her North Tustin property, Rappaport grows a wide variety of fruits, herbs and vegetables that help make meals gourmet.

“Tomatoes are my favorite, and this year I’m growing 41 different types,” said Rappaport, who also grows peppers and an assortment of herbs such as pineapple sage, salvia, rosemary, Spanish tarragon and fruits including, meyer lemon, seedless pomegranate, avocado, apple and Satsuma mandarin tangerine.

When it comes to cooking, the fresher the ingredients, the better, said Jamie Kingsland, chef partner at Fleming’s Prime Steakhouse and Wine Bar in Newport Beach. Like many professional chefs, Kingsland has 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, for instance, are far superior to those you find in the store, and they add a wholesomeness to any meal.”

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

Infusing tastes is one of the chef’s favorite things to do with herbs.

Take, for example, his recipe for lavender syrup: heat 2 cups of water, 2 cups of sugar and a handful of lavender. Remove the leaves just before the mixture starts to boil and boil for 8 minutes or until it thickens. Put the lavender back in for more steeping and remove 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,” he said.

Kingsland also makes a rosemary and thyme butter for chicken and fish, and enjoys making sun tea with mint.

Herbs are a favorite choice among chefs for cook’s gardens because of the intense flavors they impart to food and how easy they are to grow and maintain.

Franco Barone, executive chef of Antonello Ristorante in Costa Mesa, buys zucchini and potatoes, but grows garlic, onions, basil, rosemary, marjoram, oregano, parsley, sage, mint, thyme and lemon thyme.

“I enjoy making a roast on the rotisserie on my day off,” said Barone, who lives in Lake Forest. “I use a variety of fresh herbs, garlic and onions.”

Like many chefs, Barone also grows citrus trees. He uses the citrus to make salad with diced lemons or oranges, red wine vinegar, chopped green onions, oregano, extra virgin olive oil, basil and parsley.

Cilantro is a favorite of George Poston, executive chef of Maggiano’s Little Italy in Costa Mesa. He has the herb growing in his Aliso Viejo backyard and uses it regularly to make tomato salsa for his children.

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

Poston gets the lime juice from the limequat tree in his backyard. He also has kumquat and a Satsuma mandarin, and uses the fruits to make salsas.

Most professional chefs would agree that a cook’s garden isn’t complete without tomatoes and basil. Zov Karamardian, owner of Zov’s Bistro in Tustin, creates tomato-basil sauces and salads.

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

She also enjoys various herbs in her garden, such as mint, rosemary, basil and thyme.

“Herbs are easy to grow and they do so much for food,” Karamardian said. “I use mint in salads and I often make a pita bread burrito using fresh mint, cucumbers and tomatoes. It makes a great snack.”

Karamardian also finds lemons to be a necessity and uses lemon juice instead of vinegar at home and her restaurant.

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

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

She 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, they make interesting conversation pieces and beautify your garden.”

When Feeding Venus Flytrap, Skip the Burger

Otherwise, the Carnivorous Species Is Happy to Be a Nonstop Consumer

Although my first plant was a coleus, I have to credit my Venus flytrap (Dioneae 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 gets 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:

* 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, you may want to move it into partial shade. Indoors it requires at least two to three hours of sun a day.

Place in an unobstructed eastern, southern or western window, or any combination of these locations.

* Water properly. Flytraps like to be kept moist and the right type of water is critical. Don’t use regular tap water on your flytraps, as it is too high in salts and minerals. Softened water should also be avoided. Good water choices include deionized water, reverse osmosis water, distilled water and rainwater.

Unlike other plants, Venus flytraps should sit in standing water. Keep pot in a dish that contains about an inch of water at all times. Although the dish can be allowed to dry out, the water should be replaced as soon as that occurs. The soil should never go dry.

* Feed well. Most experts recommend not fertilizing flytraps. The plant receives its nutrients from the insects it eats. Outdoor plants will catch victims, but those grown indoors require feeding.

Good food choices include flies, sowbugs, ants, small moths and spiders. Avoid using hamburger, cheese and similar foods, as they will rot the traps. Make sure to touch the tiny trigger hairs inside of the trap, which activates it to close.

You can’t overfeed your flytrap. The more you feed it, the stronger the plant will become.

“On each plant at least one trap should be feeding on something at all times,” said D’Amato.

During its growing period, a flytrap constantly produces new traps. Most traps last a month or two before turning black and falling off.

Although it’s tempting, refrain from teasing the flytraps closed. Falsely closed traps can take 24 hours to reopen and this can cause them to blacken prematurely.

* Repot every two years. This is best done at the tail end of dormancy in January or February.

The soil mix recommended by most experts is two parts peat moss and one part perlite or silica sand. Moisten the mix before planting. Flytraps do best in plastic pots.

* Move outside for winter. If you choose to grow the plant indoors, take it outside during winter months so it receives adequate chilling. Watch that it doesn’t become waterlogged during winter rains, though, or it could drown.

* The Fullerton Arboretum, 1900 Associated Road, Fullerton, (714) 278-3579.

* ICPS Inc., PMB 330, 3310 E. Yorba Linda Blvd., Fullerton; e-mail: icps@carnivorousplants.org.

* California Carnivores, (707) 838-1630, http://www.californiacarnivores.com.

* International Carnivorous Plant Society Inc., http://www.carnivorousplants.org.

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 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 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 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.”

To create herbal tea, keep the following tips in mind:

* Figure on two to three tablespoons of fresh herbs for each cup of tea and one to two tablespoons of dry herbs per cup. To make a four cup pot of tea, you’ll need 8-12 tablespoons of fresh herbs or 4-8 tablespoons of dried. Iced tea requires more herbs because you’ll be diluting it with ice. Try four tablespoons fresh or two tablespoons dried per cup.

* To make the best pot of herbal tea possible, start with cool water and bring just to an audible rolling boil. Rinse a china or glass teapot with a small amount of hot water to warm the pot. Add herbs and fill the pot with hot water. Steep three to five minutes. Use a tea strainer when pouring.

* Add any desired sweeteners such as sugar or honey after pouring the tea. Or for an all-herbal approach, put some sweet leaf (stevia) in herbal tea mix and you won’t need other sweeteners.

* Try various additions to tea, such as lemon or orange slices, juice, cinnamon sticks, cloves and fresh ginger.

* Dry excess herbs. This enables you to enjoy them when they’re not growing. Most herbs dry easily indoors in a shady area with good air circulation. Hang upside down or dry on screens. After they dry, strip herbs from branches and store 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 tend to be widely available and make especially tasty herbal tea:

* Anise hyssop: This herb has a licorice or anise flavor that is especially good when combined with mint. Its lavender flowers are attractive to butterflies. Grow from plants or seed in spring and summer in full sun or partial shade.

* Basil: Cinnamon and lemon basil are particularly good for making herbal tea. This aromatic annual thrives in hot weather. Grow from seed or plants. Prefers rich, well-drained soil and full sun or partial shade.

* Chamomile: Plant in a sunny spot with rich soil and good drainage. The small, daisy-like flowers of this low-growing, decorative perennial are used for tea and impart an apple-like flavor. Harvest when the blooms are beginning to open by pinching the flower blossoms off with your fingers.

* Fennel: This perennial herb can grow 4 to 6 feet high. It comes in green and bronze varieties. Leaves and seeds lend a sweet licorice flavor to tea. Plant in full sun in rich, well-drained soil.

* Lemon balm: Also known as bee balm, this perennial herb adds a lemon tang to tea. Fresh leaves have the best flavor. Likes rich soil and good drainage. Best grown from plants, as it is slow to germinate.

* Lemon verbena: This 3- to 6-foot deciduous shrub has leaves that impart a strong lemon flavor to tea. Lemon verbena is the main ingredient in the popular Verveine tea sold commercially. Plant likes full sun or bright filtered light and good drainage.

* Lemon grass: All parts of this tender perennial are strongly lemon-scented and make an especially tasty lemon tea. Provide full sun and good drainage.

* Lemon thyme: This herb creates a tea with warm, lemony undertones. A small, shrubby perennial that is easy to grow. Prefers dry soil and full sun.

* Mint: A cool, refreshing perennial herb that comes in a wide variety of flavors, including peppermint, spearmint, chocolate, apple, pineapple and orange. Grows almost anywhere, but prefers moist, partially shaded areas. Plant is invasive, so grow in containers or bordered areas.

Pink Lemonade Tea

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 that can be found in the Mexican food section of most grocery stores, 1/8 cup pineapple sage blossoms (harvest and dry in the fall and winter when the plant blooms), 1/8 cup dried citrus flowers and 1/4 cup lemon verbena.

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

* 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 a store in your area that carries Renee’s Garden seeds, call (888) 880-7227 or visit http://www.renees garden.com.