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Michael Kors Ipad Mini

Michael Kors Ipad Mini

The holidays are here and bring with them various seasonal plants that are likely to be given as gifts or taken home for you to enjoy. Two of those plants include the Christmas cactus and the kalanchoe (a type of succulent). These are favorites due to their very colorful and abundant blooms, and to keep them blooming as long as possible it helps to understand each specific plants' needs.The Christmas cactus prefers a well lighted location during the winter, but more filtered light during the summer months. Water it well, keeping it evenly moist, and add fertilizer once a week while it is blooming.Some flower buds may fall Michael Kors Ipad Mini off if there are too many for the plant to support, or if the plant has been underwatered or overwatered. Turn the plant often so it receives even light, and keep it away from drafts and heat sources. In the summer months when the plant is resting, keep the soil almost dry. If repotting, use a well drained soil mix rich in organic matter, such as one part potting soil, two parts peat moss, and one part sharp sand, vermiculite or perlite.Kalanchoes are colorful, long lived plants that should be treated as succulents. To have satisfactory growth in the home the kalanchoe must have sunlight. The plant requires mild temperatures (65 80 degrees) and medium light when flowering. Be careful not to overwater the plant. Fertilizer can be applied once a month.Holiday expense tipsAlong with the holiday season comes visits with friends and family and often the buying of gifts for others or even for oneself. This makes it easy to overspend and it's always good to consider ways to cut or limit our expenses now and heading into next year.Something we should all consider is the "discount syndrome." This syndrome appears when we see items that are marked down in cost. Don't deny it we have all experienced that feeling of "Wow, look at the money I can save" or "What a deal, I need that." Just keep in mind that even if it appears to be a bargain that doesn't mean you really are getting a deal or saving money. Even more importantly, ask yourself if you really need the item.Another way to Michael Kors Hamilton Large N/S Tote

Michael Kors Ipad Mini

Michael Kors Ipad Mini

´╗┐Gardening and Living in Grand Style Caring for holiday plants and holiday pocketbooks

Michael Kors Ipad Mini

Michael Kors Ipad Mini

limit future unnecessary costs involves credit cards and paying more than the minimum payments. Now, you can limit future costs by just not using the credit card. However, for anyone who has made a decision to use his or her card, keep in Michael Kors Miranda Shoulder Bag

Michael Kors Ipad Mini

Michael Kors Ipad Mini

owed $3,000 with a 14 percent APR, with a required 2.5 percent minimum payment of the balance, the minimum first monthly payment would be $75, and of that $75 only $40 would go to the principal and $35 to interest. If you continued to only pay the minimum each month it would take you 205 months to pay off your debt and cost you an additional $2,417.17 in interest.Help neededHere is an opportunity to volunteer to help others. USU Extension has been asked to set up a volunteer income tax assistance (VITA) site here in Grand County. This site will help local citizens receive free tax preparation to assist them in claiming any and all refunds to which they are entitled. We need volunteers to help with this process.Volunteers will have to take a free training provided by the Internal Revenue Service and the Utah Community Action Partnership. The training will be available live here at the office on Jan. 8 9, or online. You won't have to prepare the tax forms yourself but at least two people must be available at the site during hours of operation.Those helping will make sure all the required paperwork is available and will transmit that information to those who will actually be preparing the tax forms. Call me at 259 7558 if you would be willing to help with this process.If you would like to know more about these issues call the USU Extension office at 259 7558. The Utah State University Extension Staff (Marion and Mike) want to wish everyone in the community the best this holiday season, and we both look forward to helping you in 2009. Two of those plants include the Christmas cactu.">We're glad to give readers a forum to express their points of view on issues important to this community. That forum is the "Letters to the Editor." Letters to the editor may be submitted directly to The Times Independent through this

Michael Kors Ipad Mini

Michael Kors Ipad Mini

Michael Kors Ipad Mini

mind that if you can't pay off the whole balance at once it's important to pay more that just the minimum when the bill comes due.Credit card companies are starting to raise interest rates, and interest payments can add up over time. For example, if you Michael Kors Jet Set Travel Saffiano Leather Continental Wallet

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