Gardening Information – Choosing Your Perfect Garden | gardening

What is the perfect garden for you?Now that you’ve been thinking of a garden for yourself perhaps your considering what type of garden to create. The choices are unlimited and the kinds of gardens are as varied as the number of gardeners. Yet you will want to think about some basic issues related to making the perfect garden for who you are and your lifestyle.A flower garden will add color and look nice in several areas of your yard. You can choose perennial flowers which will be there next year and the years to come, or you can choose annuals which will need to be replaced every spring with new plants. The benefit of perennials is you only plant once the benefit of annuals is no commitment. Say this is kind of like dating and marriage isn’t it? With annuals you never get stuck with wort’s, start again next spring. Perennials you adjust to habits you may not be happy with, though thankfully you never have to worry about the toilet seat. Ha!You must decide for yourself how much time you want to spend on gardening, if you haven’t gardened before perhaps just do a little as time permits till you get a small garden underway. If you find yourself with more time, energy and desire later start another garden. Next season you will have an idea of how much time and thus how large a garden you can comfortably commit to.As a seasoned gardener you know what kind of gardener you are and what your time commitment is thus you need only decide on how to change this years gardening from what you have done in the past. Perhaps you want to grow a certain kind of plant to blue ribbon status. Tomatoes and Squash in the vegetable garden of certain flowers, roses to see how well you can do concentrating on one or two varieties.Many folks are turning to vegetable gardens to offset the cost of food. It’s appalling to realize that nowadays the “good” food is nearly beyond the financial reach of many people with oranges running as high as $1.69 yesterday where I shopped. If you have the climate you may want to plant a few fruit trees. I have had years of enjoyment from my two, Bing Cherry, cherry trees my favorite summer fruit.Tip: with the demise of the honey bee in our nation, I had to order mason bees and install their nest under the eves of my house closest to the cherries in order to get the blossoms pollinated. You can order them online no problem. Also with trees you need to be able to prune and harvest, I also sprayed my trees for insects such as aphids every year, some considerations for you to think about.A benefit if the vegetable garden is the pay off of course, fresh veggies and oh my, I can just taste that fresh corn on the cob and new potatoes, oh yeah. Though perhaps more time consuming the vegetable garden is so rewarding to work in, talk about a stress reliever. Also it is place for quite conversations with family members something for everyone to do together and I have yet to meet a child or grandchild who is not interested in the garden.I enjoy all aspects of gardening, even the weeding as I think most gardeners do. Not only to deal dirt and fertilizer, choosing a pesticide thinning out excess plants or branches, its all out doors fulfilling because you get to enjoy the results of your labor. Indoor or outdoor a garden can provide comfort and soothing release from stress, a place and time of reflection, a family project.Whatever your reason for gardening you’ve only to decide what you want to plant, how and where to plant it and then, dig in (literally).

Investing in 2012 – Best Alternative Investments? | investing

When we think about investing we normally picture in our minds a variety of stocks, bonds, and mutual funds. It is crucial to remember however that limiting ourselves to these common investments can be the biggest risk one can take in these harsh and uncertain economic times.It is always important to add diversity to your investment portfolio, and since different investments behave differently under varying economic conditions, it is always a good idea to have such investments that can support and even temporarily replace those investments that tend to wither in the worst of situations.The answer then to a risky situation lies in expanding your investment options and seriously looking at including a few alternative investments in your portfolio; this may be the best way forward for you in 2012 and beyond.What are Alternative Investments?Many alternative investments are thought to lack liquidity and are generally a bit more complicated for inexperienced investors. Usually you will find only wealthy individuals and investment corporations focusing on them.In the majority of cases, these types of investments require a much higher minimum investment and the associated fees can be also be higher when comparing to ETFs for example. They are often a bit harder to market based on the fact that you cannot as easily measure performances.They do however have less associated regulations attached to them and this has ensured a pronounced increase in alternative forms of investment in recent times.Alternative investments are becoming popular and the point to remember is that they do not in most cases share the same kind of predictable returns as that of standard investments. In fact they can prove to be very profitable indeed under the right circumstances.Perhaps this is the reason why many high net worth individuals and larger financial funds have allocated reasonable percentages as light as 10% of their portfolios to alternative investments like hedge funds. Other alternative investments include real estate and certain precious metals.Investment OpportunitiesSo what are the best alternative investments that you should be eyeing in 2012? Well – Exchange Traded Funds or ETFs offer an investment option that has a much wider appeal than either real estate or precious metals.For one thing they are easier to get involved in and do not present the usual risks attached to alternative investments. Again the best approach is to diversify and in addition to an existing portfolio, ETFs can and do represent profitable assets that can be moved and sold when you need to. It is also very easy to monitor and track their value within a given time.With exchange traded funds you have the flexibility of trading within the market or you can hold on to your investment for any duration you like even over the longer term.Other exciting opportunities include and are not limited to investing in art, wine and renewable energy.
Now is the time to keep your options as wide open as possible. By including alternative investments into your portfolio you have a healthy blend of diverse investments that will effectively help you to cover all your financial bases in years to come.

An Introduction to Dram Shop Law | laws and issues

A “dram shop” is legal term unique to the US. It refers to any establishment that serves or sells alcoholic beverages. Many states have dram shop laws, or statutes that make such an establishment responsible for any injuries suffered or inflicting by a person who has illegally purchased alcohol from them.This seems like a strange concept to many people who believe in holding everyone responsible for their own actions, even the highly inebriated. To provide some context for these laws, which may help to explain the reasoning behind them, here is a brief overview of our country’s dram shop laws and their historical origins.What Exactly Do Dram Shop Laws Say?In some states a business is not automatically responsible for any damage caused by one of their intoxicated customers. In order to be held legally liable, they have to sell regulated beverages in an illegal way. The exact laws differ by state, but in general it is illegal for businesses to:
Sell alcohol to a person under the age of 21
Continue serving drinks to a person who is visibly inebriated
Fail to respect regulations about the hours of operation for bars or liquor stores
It is important to note that in some states the sale does not even have to be illegal. A bar or liquor store can be held responsible for injuries caused even by a perfectly legitimate customer.If an establishment breaks this law and the intoxicated person in question causes injury to himself or a third party, the establishment could face a lawsuit filed by the injured third party. In some states, a person can even sue for injuries he inflicted on himself while inebriated.Other states include further restrictions than the ones outlined about. In some places a business can be held liable for serving drinks to a person who is “habitually drunk.” In Massachusetts a business can even be used for offensive or vulgar behavior from intoxicated customers.Where Did These Laws Come From?The origins of these laws are usually traced back to the early 20th century Temperance movement. This was a group of people, largely women, who wanted to reduce the amount of liquor consumed in their country, if not end it entirely. They were a driving force behind Prohibition, the period between 1920 and 1933 during which alcohol was illegal in the US.The Temperance movement is often misunderstood. While Prohibition ultimately failed, when one learns more about the issues these women were trying to address, their attempt becomes more understandable. Rather than hating alcohol for its own sake, they were trying to fight the parental neglect, domestic violence, and poverty often associated with drug abuse.For more information on dram shop laws, contact Milwaukee defense lawyers Kohler & Hart.