The Secret of Successful Container Gardening

Container gardens are great, and a lot of people are starting to look at container garden ideas today for convenient ways that they can start one. If you don’t have a lot of space but you want to grow some vegetables, flowers, or plants, you need to check out container gardens and how they can work for you. You’ll be amazed how with the right steps and secrets, you’ll know how to grow a container garden that is flourishing and looks outstanding.

Have Containers that Work for You

The great thing with a container garden is that you can use any sort of container that you want. So, if you want to use a container that is a rubber boot, you can do that, and that draws a lot of people to this style of garden. But, no matter what container you are using, you need to make sure that there is proper drainage. There are a few different ways that you can create drainage, you can do a layer of rocks at the bottom so that there is room to drain where the roots won’t grow, or you can go ahead and put holes in the containers. You also need to make sure that the containers that you are using are going to be big enough, you need to have containers that are big enough for the size of the roots that are going to grow, otherwise the plant will die off or you will stunt the growth.

Have the Correct Soil and Light Conditions for What You’re Growing

The other factor that is really important with what you are growing and your container garden is having the correct soil and lighting conditions. With soil, you will find that you may need to have different soils for different plants, so one container may have a different pH than the other soil that is out there. Also, check the light conditions so that you know if the plants that you are growing have enough light. Different plants need different amounts of light, so it will depend on what you are growing in your container garden and how much light that they need. Generally, it is best to give them light that is less harsh, like morning light instead of afternoon light that can actually burn the leaves or harm the plants. Make sure that you have the right soil and light conditions so that your plants can flourish in it and grow to what you want.

Have a successful container garden with all the tools that you need, there are all kinds of little things that you need to do, but knowing these tips and tricks will make it a lot easier to handle. There are all kinds of little tips and tricks that will give you an extremely easy to grow container garden. See what works the best for you and use these container garden ideas to get a great looking container garden that is going to look amazing and be extremely functional, you’ll love it.

What is Resveratrol and Does it Work?

There's been a lot of hype about this antioxidant laately, but what is resveratrol and why is it suddenly getting so much attention?

Resveratrol is a phytoestrogen chemical compound that is found in a few plants but the main source is the skins on red grapes. Resveratrol is a powerful antioxidant. Until recently red wine was the best way to get Resveratrol in your diet.

It was back in the 1940's that this nutrient was isolated as a constituent in white hellebore roots. Plants produce Resveratrol to protect them against fungi and bacteria that is a result of environmental stressors. Its mother nature's natural plant antibiotic.

It was in November of 2006 that Resveratrol first made headlines after scientists demonstrated that when it was fed to mice that were overfed they did not gain wait. In fact they actually became the mice version of marathon racers. One other important thing was noticed and that was the aging process seemed to be slowed down a great deal.

Translated to humans, this grape skin supplement has reduced, even preceded the negative effects a high calorie diet can have on humans. Because it is such a powerful antioxidant it stops plateslets from sticking together, and it has anti inflammatory, anti cancer, and anti aging qualities.

Resveratrol prevents free radicals from remaining in the body and causing damage. It rides the body of these free radicals. It also protects the blood vessels especially those with blood glucose levels that are elevated.

If there are high levels of glucose in the body it causes damage at the cellular level and there are increased risks associated with those levels such as heart disease, kidney disease, and retinopathy. Heart disease can lead to stroke or heart attack. Kidney disease can lead to kidney failure, and retinopathy can cause blindness.

Recent research also indicates that if you are at risk for Alzheimers you can benefit from Resveratrol. Even those that already have Alzheimers can benefit.

The main reason why we've heard so much about 'red wine pills' recently is all the excitement over its ability to slow down, even stop the aging process. It's no wonder it's been getting such great coverage. After all that's very exciting news.

Red wine can provide 1.5 milligrams to 3 milligrams of Resveratrol per quart of wine. Studies have shown wine in moderation has several health benefits. But for those of you that want to enjoy the advantages of a little higher dose of this red wine extract or do not wish to drink wine, there are quality supplements now available on the market.

These Resveratrol supplements are tested in the laboratory to ensure you are getting the correct of Resveratrol to enjoy the full benefits of its anti aging abilities. Now do not confuse Resveratrol with being an anti aging drug – it is not.

It is an anti aging supplement that provides the ability to slow or stop the aging process from the inside out. You'll feel years younger and look years younger too.

The Pros and Cons of Hiring a Real Estate Attorney

When one one gets involved in a property dispute in their city, why is it that the last resort happens to be the real estate attorney? Well, this is because most of the cases involve great professionalism and sometimes legal proceedings to help you get what you deserved, or protect you from the intricate lawsuits. While no property agent and adviser can guide you with total solicitation, the lawyer comes with greater benefits from all perspective. Every good thing has some flaws, and that goes same with the property lawyers as well. Let's find out what are the pros and cons of the real estate lawyers.

You can not be the master of all trades! No person is self competent to handle all the issues of his life, and especially when it comes in dealing with property related issues, which require higher professionalism, experience and legal expertise in dealing with the lawful proceedings. Moreover, you have higher chances of falling prey to the vandalism and deceit of the real estate agents. So, why do not you leave it to the more experienced ones, the real estate attorney!

Advantages of hiring the real estate lawyer

  • If you are a beginner, property dealing business can be quite complex and deceptive. You are unaware of most of the laws relating to the real estate industry, and various local laws. The property attorney comes as a rescue in guiding you with relevant solicitation. For all your property transactions and transactions, the lawyer will make you well versed in all the intricacies of the property business.
  • You are not an expert in understanding various terms, legal issues, nuances and intricacies of a purchase or sale contract. A lawyer helps in preventing you from blindly signing it without fully understanding the terms of contract. He prepares and reviews all the necessary property documentation on your behalf, and takes the necessary actions.
  • A large number of tax issues, environmental restrictions, condo association by-laws and other petty issues can make your property a deal into a distracting deal. A proper lawyer takes you out of such dungeon.
  • Helps you get the best deals and prices for your transaction. Protects you from fraudulent property lawsuits. If you get to purchase a damaged property without your prior notice, and if the seller is aware of it, with the help of your lawyer you can file petition against such lawyer and get restitution for such damage.

Disadvantages of hiring the real estate lawyer

  • Hiring a lawyer can involve higher service charges and contingency fees, adding an extra burden to you transaction.
  • Reliability and competency of a lawyer comes as a question. While all the lawyers would promise greater quality service and 100% success rate, the same may not be the case. You can end up paying more charges for such fraud and misery.

However, it is recommended to hire a competent property attorney for your property issues, or you can end up to more vandalism and fraud.

Life Insurance 101, An Explanation of Various Types of Life Insurance

TERM LIFE INSURANCE – Life insurance for a set number or years. You can choose from 5 to 30 year terms. No cash value, if you die during the term you collect the death benefit. The policy dies after the selected term has ended and you receive nothing unless you have a, return of premium rider or you convert the policy to some form of permanent insurance.

RETURN OF PREMIUM TERM INSURANCE (ROP) – A term insurance policy that returns all or a portion of premiums paid at the end of the term if the death benefit has not been paid.

SIMPLIFIED TERM INSURANCE – Term insurance which uses a simple application. Underwriting is done electronically. No underwriting requirements by the applicant unless red flags arise out of the electronic underwriting process. Policy is usually issued much quicker than regular term. There is a limit of death benefit for this type of policy ($350,000 or less) depending on the insurance carrier. This type of policy is generally more expensive because of additional risk by the insurance carrier. Less underwriting =more risk.

CRITICAL ILLNESS INSURANCE – Applied for as a stand-alone policy or as a rider to another life insurance policy. Pay immediate benefit for a covered illness even if death does not occur.

ACCIDENTAL DEATH INSURANCE – Pays benefit in event of a covered sudden accidental death. Applied for as a stand-alone policy or as a rider to another form of life insurance.

MORTGAGE PROTECTION INSURANCE OR DECREASING TERM INSURANCE – Term insurance that pays the balance of your mortgage should death occur. The amount of death benefit decreases to match the amount owed on mortgage. The insurance is set up to end at the same time your mortgage is set to end.

UNIVERSAL LIFE INSURANCE (non variable) – Flexible premiums. Can be a permanent insurance as long as premiums are paid and policy is funded properly. Investment policy in which risk lies with insurance company.

Has a minimum guaranteed interest rate which differs by company. This policy has the ability to gain contract value. The death benefit can be set to level (death benefit stays the same throughout) or increasing (death benefit increases as contract value rises). You may obtain loans or make withdraws but you must be careful, if the policy is not funded, it will collapse.

VARIABLE UNIVERSAL LIFE INSURANCE – Agent must have securities license to sell. Very similar to non-variable universal life. The difference is that the policy owner assumes investment risk. There is no guaranteed interest rate. Policy can collapse if investment does not do well and policy is not funded properly.

WHOLE LIFE INSURANCE – Simply put, you pay the premium and the policy will last your whole life. You usually have an option to borrow against the policy, amount depends on the value of the policy. This type of policy is usually much more expensive than the universal life policy.

GRADED BENEFITS WHOLE LIFE – Partial or no benefits paid until a named or tiered waiting period has passed. If you die before the waiting period has passed, you usually will receive the return of your premium payments with some sort of interest.

FINAL EXPENSE WHOLE LIFE INSURANCE – This type of whole life insurance is aimed at burial and funeral expenses and other final expenses. Usually, no medical exam required and death benefit is limited to $50,000 or less.

SINGLE PREMIUM WHOLE LIFE – This whole life policy is paid for by a single lump sum payment. In return the beneficiary receives a larger death benefit than the payment.

THINGS TO CONSIDER: You may be interested in mixing and matching different types of policies. For example; There is a need for 500k immediately. As time goes on, the kids have graduated college and are out of the house, the house is almost or totally paid off. Now the need is less. In this example you may want to purchase a 330k universal life and a 20 year 200k term. This plan will save you money and still protect your family for life.

Or, you may want to mix term, critical illness, accident, universal life, or whole life in various ways depending on your needs.

RIDERS:

Waiver of Premium Rider – pays life insurance premium if you become disabled and can’t work. There is usually a waiting period and rider usually expires at age 60 or 65.

Critical Illness Rider – Rider is explained above.

Return of Premium Rider – Rider is explained above.

Guaranteed Insurability Rider – this rider allows you to purchase an additional amount of life insurance at a later date without having to prove insurability again or take another medical exam.

Term Conversion Rider – allows you to convert a term insurance policy into a permanent policy without proving insurability again.

Accelerated Benefit Rider – this rider is only for permanent life insurance policies. This rider is usually included automatically for free. It allows you to collect a portion of your policy’s death benefit if you become terminally ill with a short life expectancy, usually one year. The portion paid out is subtracted from you policy’s death benefit.

Accidental Death Benefit Rider – This rider pays in addition to the death benefit if you die from an accident.

Child protection Rider – Usually used to pay final expenses if the unthinkable happens. Often, at a nominal cost and purchased in units of $1,000.

UNDERWRITING: requirements depend on insurance carrier, type of policy, amount of death benefit, age, build chart, gender, medical history, medications, family history, motor vehicle report, and other factors.

An application is always required, although, non-medical policies usually have a simple application.

Requirements could be: Paramed (certified medical processor or nurse comes to your place of choosing, takes you through a medical questionnaire, measures your height and weight, takes blood and urine sample, possibly EKG either resting or non-resting), Medical information from your physician or hospital, Medical exam, etc.

HEALTH CLASSES – Typical health classes would be, Preferred Best, Preferred, Select Standard, Standard, and then different nicotine classes such as, preferred nicotine, select nicotine, and standard nicotine.

It is possible to be rated less than standard depending on health and underwriting factors.

You must qualify for a health class. This is chosen by the underwriter after the underwriting process is complete. The agent can only quote you the different health classes but this can change with the underwriting process.