Tuesday, November 30, 2004 Vol II Issue 4 Publisher: Janet Bullard webmaster@magnoliawalker.com © 2004 All Rights Reserved ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ < br> This is an opt-in newsletter only! THIS IS NOT SPAM! If you wish to know how you were subscribed, please email me at: mailto:webmaster@magnoliawalker.com?s ubject=How-was-I-subscribed we keep files for each subscriber and will be glad to send you the information. If you would like to be removed from this newsletter the instructions are at the end of this publication. My subscribers are very important to me and are not made available to other companies or individuals. Every subscriber's privacy is valued and respected. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Hello Internet Marketer, I'd like to welcome all the new subscribers as well as you who have been with me for years. Thanks for taking a few minutes to read this newsletter. Today, as I was finishing up this issue, I came across a wonderful HTML Code I would like to share with you. For those of you who like to include code in your newsletters use these tags to display the code: <Code> .. </Code> . This little tag cuts down on a lot of extra coding and will display it as you type it. Don't forget my church, Greenland Baptist Church, has begun to publishing a monthly newsletter. If you are interested in learning about Christ and God's love you may sign up at the following address: http://greenland.magnoliawalker.com Include your Full Name and mailing address. I have some free downloads for you. They are listed below. All are free to download, some do have upgrade areas. Security Personalizer 12 Days of Christmas My 101 Jokes Your Step by Step Guide to Success on the Internet Sincerely, Janet Bullard Home School Mom & Internet Marketer Plus bottle washer, diaper changer, cook, errand runner, & The Great "Where is my ?" answerer! :)) Click here to join the add2it.com Affiliate Program! A Message from Guest Pastor: Earnest Kevan SALVATION Salvation is a big word. It is big in the sense that it covers the meaning of many others. To be "saved" means to be delivered, to be forgiven, to be pardoned, to be redeemed, to be restored, and much more. The name "Jesus" centers in the idea of salvation. "Jesus" is the Greek form of the Hebrew name "Joshua." Joshua means "Jehovah saves." What a great name for Israel's commander-in-chief to bear! It reminded him and his soldiers when they went into battle that "Salvation is of the Lord" (Jonah 2:9). Because of the meaning of the name "Jesus," It was given to our Lord at His birth: "Thou shalt call His name Jesus: for He shall save His people from their sins" (Matt 1:21). Unless we know our Lord Jesus Christ as Saviour, we do not really know Him at all. His name reveals what He is. The word "Saviour" tells us that someone needs to be "saved." Peter declared. "Neither is there salvation in any other: for there is none other name under Heaven given among men, whereby we must be saved" (Acts 4:12). Who needs to be saved? "This is a faithful saying, and worthy of all acceptation, that Christ Jesus came into the world to save sinners" (I Tim 1:15). Men need to be saved because they are "sinners." Jesus saves His people "from their sins." Christ calls none but sinners: "I came not to call the righteous, but sinners to repentance" (Mark 2:17). "The Son of man is come to seek and to save that which was lost" (Luke 19:10). Those who are not "saved" are "lost" and yet in their sins. LOST CONDITION We need to know what this word "lost" means, so I want us to think seriously about it. To be lost is a condition and a destiny suf-ficiently dreadful for God to take the extreme step of sending His only begotten Son into the world so that those who trust in Him should "not perish" (John 3:16). To die as a sinner is to "perish. What the word "perish" really signifies, it is not easy to say. We know this much, however, that it is far worse than ceasing to exist. That would be no punishment at all for some sinners: it would merely be a way out. To perish is to be cast out of the joy and blessedness of God's presence for ever; it is to suffer the impoverishment and loss of every spiritual satisfaction: it is to be in that condition of mind "where their dieth not, and the fire is not quenched" (Mark 9:44,46,48). These are very serious reflections, yet they form the solemn background against which salvation must be studied. We sometimes forget that it was the Saviour Himself who spoke most about hell and about those who would be cast into "outer darkness" where there would be "weeping and gnashing of teeth" (Matt 22:13; 25:30). Up to this point we have been thinking about being "lost" so far as the future is concerned: but what is the state of a man at this moment who is in a lost condition? He is a guilty person: "for there si none righteous, no not one" (Rom 3:10). On account of this he is condemned (Rom 5:18). John makes the position of the unbeliever quite clear: "He that believeth on the Son hath everlasting life: and he that believeth not the Son shall not see life; but the wrath of God abideth on him" (John 3:36). The lost sinner is not only under the wrath of God. but he has also become defiled and weak through his sin. This is why David prays. "Create in me a clean heart. O God; and renew a right spirit within me" (Psalm 51:10). The heart which should have been the fountain of all loveliness and truth in the life has become the source of the deepest evil. "The heart is deceitful above all things, and desperately wicked: who can know it?" (Jer 17:9; see Mark 7:21-23). This being man's lost condition, and this being his dreadful destiny in the world to come, it is plain enough that he needs to be saved. It was to meet this great need that "the Father sent the Son to be the Savior of the world" (I John 4:14). SALVATION PROVIDED We turn now to the positive of our salvation. From the passage of Scripture which we have just noticed we ran see that man's salvation comes on the initiative of God. "Herein is love, not that we loved God, but that He loved us, and sent His Son to be the propitiation for our sins" (I John 4:10). Banish for ever from your mind the wrong thought that Jesus had to die in order to make God love us. That is utterly untrue. It was because God loved us that He provided the way of salvation; it all springs from boundless love as John 3:16 tells us: "For God so loved the world the He gave his only begotten Son..." The necessity for the Savior's death was not in order to induce God to love us, but to remove those barriers which were in the way of our receiving the blessings of His love. This is what the word "propitiation" means in I John 2:2 and Romans 3:25. Salvation, then, has it's source in the great and undeserved love of God toward sinners. The means by which salvation is accomplished are what the Lord Jesus Christ has done and what the Holy Spirit is still doing. Salvation is found only in the Lord Jesus Christ: "Neither is there salvation in any other..."(Acts 4:12). John said, "He that hath the Son hath the life; and he that hath not the Son of God hath not life" (I John 5:12). It is clear from these and many other Scriptures that there is but "one Mediator between God and men, the man Christ Jesus" (I Tim 2:5). And what does the Holy Spirit do in our salvation? He opens the eyes of our under-standing, and makes the Word of God alive in our hearts, so that we receive and act upon the truths that are made known to us. It is by the Holy Spirit that we are born again enabling us to receive Christ and thus to become the sons of God (John 1:12-13; 3:8). We shall never know now much we owe to the gracious working of the Holy Spirit within our hearts. THE NATURE OF SALVATION We should now ask the question, "What is Salvation?" In the first place, it consists of our acceptance with God. By our sin we had put ourselves at a distance from Him (Isaiah 59:2); but the blood of Jesus brings us near (Eph 2:13). We are "accepted" in the person of God's well-beloved Son: "accepted in the Beloved" (Eph 1:6). Most people are in the habit of thinking that their salvation occurred when they "accepted Christ"; but this is not where the Bible puts the emphasis. Our salvation brings in the fact that God is willing to receive us. In response to His call (Isaiah 55:6-7; Matt 11:28) we come to God through Christ, and the promise of God is: "Him that cometh to me I will in no wise cast out" (John 6:37). If we turn to the story of the prodigal son (Luke 15:11-32), it is there that we can see the wonder of our being "accepted" by God. With this acceptance by God comes the blessing of peace with God (Rom 5:1). By our sin we had made ourselves enemies of God (Rom 5:10; Col 1:21). This hostility to God is overcome by God's gracious initiative, and we are reconciled to Him. See the marvelous words in II Corinthians 5:17-21. We enter upon "joy and peace" in believing (Rom 15:13) and all fear is removed (I John 4:18). When we try to describe the nature of our salvation we do not really come to the heart of the matter until we mention the words for-giveness and justification. What a precious thing forgiveness is. It is this which overcomes all the hostility and prejudice of our hearts and which casts out all fear: "God for Christ's sake hath forgiven you (Eph 4:32). What music to our hearts there is in these words! Pardon and forgiveness are not quite the same in the quality of feeling which they give, but they are the same in fact. The king or the judge pardons, but it is a Father who forgives. It is the forgiveness of sins which makes salvation; without it we would be lost indeed. Read again that important passage in Ephesians 1:3-12. Right in the center of all the big things there mentions you have "the forgiveness of sins according to the riches of His grace" (v.7). Justification means more than forgiveness. It is a term which really belongs to a court of law. An accused person is either condemned or justified: that is to say, the inquiry into his actions shows him either to be guilty of having broken the law or not guilty. An innocent person is a just person, and the judge who proves a person "just" is said to justify him. Now this can never be true of us in the presence of God the great Judge of all. Did I say "never"? That was wrong. For God has made it possible by a great exchange. The Lord Jesus Christ was willing to take the sinner's place and to bear the conse-quences of his sin. Because of this substitution of the Savior in the stead of the sinner, Jesus bears the guilt and the sinner is justified, that is, declared by God the Judge to be free from all the claims of a broken law. Justification does not make the sinner any different: it declares him just in the eyes of the law. The sinner certainly needs to be made good, and the Holy Spirit will go on to do that in what is known as "sanctification"; but let us be clear in our minds about justification first. Justification has to do, not with our state, but with our standing. It refers to our position before God. Apart from Christ we have no standing at all: we are guilty and condemned. But with Christ we are acquitted and justified, for He has borne our sin Himself. You will find all this put very clearly in Romans 3:23-26. The experiences of salvation do not stop at forgiveness and justification; they go on. Sanctification means the transformation of our character and the making of us holy. A life of walking with God is crowned at the last glorification (Rom 8:30). ENTERING UPON SALVATION In what way do we enter upon salvation? The apostle answers this: "Repentance toward God and faith toward our Lord Jesus Christ" (Acts 20:21). This is the way into the experience of salvation. John the Baptist came withe the message: "Repent ye" (Matt 3:2). It is only "If we confess our sins" that "He is faithful and just to forgive us our sins" (I John 1:9). There can be no forgiveness without repentance. Similarly it is by faith. Paul put it like this: "John verily baptized with the baptism of repentance, saying unto the people, that they should believe on Him which should come after him, that is, on Christ Jesus: (Acts 19:4). "What must I do to be saved" asked the jailor. "Believe on the Lord Jesus Christ and thou shalt be saved" (Acts 16:30-31). Have you ever noticed the beautiful words in John 5:24? "Verily, verily, I say unto you, He that heareth my word, and believeth on Him that sent me, hath everlasting life, and shall not come into condemnation; but is passed from death unto life." The invitation is proclaimed to all, so that "whosoever shall call upon the name of the Lord shall be saved" (Rom 10:13). No thirsty soul need hesitate, for the message is: "Let him that is athirst come: and whosoever will, let him take the water of life freely" (Rev 22:17). GROWTH IN GRACE Before we come to a close, there are some very precious and deep treasures of God's truth that we have yet to learn. The things about which I want to speak to you now are taught to us by God after we have come to know Him. When we have entered into the joy of salvation through faith and repentance, God gives us a glimpse into His eternal plans. He would have us to know that our salvation was no something that happened on the spur of the moment: it was not left to chance. God tells us that we have come to love Him because of His everlasting love to us (Jer 31:3), and that we have chosen Him because He chose us long before we were ever born: "according as He hath chosen us in Him before the foundation of the world, that we should be holy and without blame before Him in love: having predestinated us unto the adoption of children of Jesus Christ to Himself according to the good pleasure of His will" (Eph 1:4-5). In searching the Bible we come again and again upon the wonderful truth that wherever we find a sinner who trust in the Savior, there too we see one who has been eternally chosen by God. Election to salvation and predestination into the family of God are great and comforting truths which God has revealed in the Bible. They are the "strong meat" on which we must feed our faith as we grow in grace. It is because God has chosen us to salvation (II Thess 2:13), and because He is the One who has begun the good work in us (Phil 1:6), that we may be assured that we shall never perish (John 10:27-28). Our Lord Jesus Christ brought all these deep truths together and put them into one sentence with the simple invitation of the gospel when He said, "All that the Father giveth me shall come to me; and him that cometh to me I will in no wise cast out: (John 6:37). ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Joe Hennington has been a pastor for many years. He currently resides over the flock at Greenland Baptist Church, Union, Mississippi Prayer Requests welcome: mailto:greenland@magnoliawalker.com?subject=praye r_request Take a minute out of your day and pray. Eloquency impresses only Man. %%%%%%%%%%%%%%%%%%%%%%% In Today's Issue: * Quote of the Day * Top Sponsor Ads * Business Opportunities * Article * Resources * Tech Tips * Helping Hand at Home * Guest Article * Gardening Tips * Suggestions and Comments * Contest * Ad Code * Kids Corner * Ezine Ads * Subscriber Ads * Viral Marketing * Recipes * Parents Corner * Pets Corner * Herb Tips * Health Tips * Legal Stuff 100% Free Traffic List an Unlimited number of Sites 5 Referral Levels Earn 50 visitors for each direct Referral Earn 20% of your downlines credits Win tons of extra advertising ABSOLUTELY 100% FREE >Improve Your Traffic< Unique Advertising System To be EXTREMELY Profitable! Earn 500 credits for member! Plus more free credits on their referrals - 5 levels deep! >Adtactics< \\\\\ FREE Ezine Advertising! //////////// Reach thousands of opt-in subscribers for FREE! Blast your ad with only one Click! Join NOW! FreeZineSite - Optin Subscribers The Step-by-Step Guide to Success You can become a successful ebook author and publisher - even if you've never written more than a shopping list! Just apply the formula and follow the steps. Software included! The Step-by-Step Guide to Success Making Money and Getting Paid! The Money you earn as an AWeber affiliate is a percentage of all the money your customers EVER pay AWeber! You even get paid for the customers that YOUR CUSTOMERS REFER! Commisions are paid by customers NOT products! Don't delay! Come sign-up for FREE Today!! http://magnoliawalker.aweber.comA -------------------------------------------------------------------------------- When they said, "$10,000 in TWO WEEKS" -- we believed them... THEY LIED TO US! Don't get caught up in the Internet Scams. Find out for yourself beforehand! The most common lies in internet marketing exposed Protect yourself! Protect yourself -------------------------------------------------------------------------------- Download your report: How to Create a Passive income ...without a website, a mailing list, a product or spending a dime! How to Create a Passive Income -------------------------------------------------------------------------------- The Magnolia Walker Company Ezine - Search Engine Priority Submit Service Brand New! AdlandPro Gold and free 3,000 advertising credits, free search/directories submissions to nearly 400,000 places, free automatically renewed ad. AdlandPro Gold Invite Questions to Boost Your Sales Copyright 2004 Bob Leduc http://BobLeduc.com Do you invite your prospective customers to ask questions ...or do you try to avoid getting questions from them? You're walking away from many easy sales if you don't encourage prospects to ask questions. 1. Prospects Who Ask Questions Are Usually Ready To Buy Prospective customers who take the time to ask questions usually have a high level of interest in your product or service. By asking questions they identify themselves as likely buyers. A prompt and complete answer to their question along with a gentle reminder of the benefits they will get is usually all it takes to close the sale. Tip: Make it easy for prospects to ask questions when they are at your web site or in other selling situations where there is no personal contact. For example, list your phone number or an email address they can use for questions. 2. Set up A Procedure for Managing Questions Answering questions from prospects does not have to take a lot of your time. Many of the same questions will be repeated over and over again. But you only have to answer each question once ...if you save the answer to each question to a permanent file. Every time you get the same question again, just copy the answer from your saved file into your reply - and customize it appropriately. You will be able to answer questions quickly. And you will impress prospects with your promptness and personal attention. 3. Always Reply Promptly Answer questions promptly. Your prospect's level of interest and your chances of getting the sale will decline as time passes without a reply. Prospects are also likely to judge your commitment to serving customers by how long they waited to get the answer to their question. Tip: If you find yourself personally answering a lot of questions, add a Questions and Answers page to your web site - or to your printed sales material. Include the answers to your most frequently asked questions. This reduces the number of questions you have to answer individually. 4. Take Advantage of the Selling Opportunity People tend to pay close attention to what you say when you answer a specific question they asked. Take advantage of this. Don't just answer their question. Include a reason for them to buy as part of your answer. For example, a typical question may be whether or not your product or service applies to the questioner's situation. If it does, expand your answer to remind them of the specific benefits they will get. Then tell them exactly how to order it so they can get those benefits immediately. Remember, prospective customers who ask questions are usually close to buying. A gentle nudge from you will often get them to take action. Provide that nudge when you answer their question. Many businesses try to avoid questions from their prospects and customers. They are making an expensive mistake. Answering questions from prospects and customers is a highly effective and very low-cost way to boost sales. Bob Leduc spent 20 years helping businesses like yours find new customers and increase sales. He just released a New Edition of his manual, How To Build Your Small Business Fast With Simple Postcards ...and launched *BizTips from Bob*, a newsletter to help small businesses grow and prosper. You'll find his low-cost marketing methods at: http://BobLeduc.com or call: 702-658-1707 After 10 AM Pacific Time/Las Vegas, NV Have you ever tried to create your own web site and found it impossible to create great web graphics? Trellian Button Factory allows you to take predefined button styles and tailor them to your own needs. 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How about displaying your logo next to links to your site.  First, you have to create a logo for your site; a very tiny logo to be specific. The size of the logo should be 16x16 pixels and it should be saved as a Windows icon file (logo.ico for example). "What if my image editor doesn't support saving files in Windows icon format?" I hear you asking. One solution is saving your image to any format, then use your ftp client to change the file extension (logo.gif, logo.jpeg, logo.jpg, whatever) to logo.ico before uploading. If you're using CuteFTP (I use this client), right-click on the image file to change, select Rename, then replace the file extension with .ico. Once you have an icon file with your logo, you're ready to take the final step. Following methods will work in Explorer 5.x and higher without having any negative effects on other browsers.  Method 1 This is the easiest method to implement and it will work regardless of the particular page on your site users choose to add to their favorites list. Don't worry if you don't have access to your web site root; take a look at the next method.  If you have access to the root of your web site, simply save your icon file as "favicon.ico" there. For example, if your web site is "www.magnoliawalker.com", your icon file should be available at "www.magnoliawalker.com/favicon.ico". The web browser will look for favicon.ico whenever your site is added to the favorites list and if it is found at the root of your web site, the icon will appear next to the link to your site.  Method 2 If you don't have access to the root of your web site, you have to add the following tag to your web page so that the browser will know where to look for your icon. Unlike before, this time you can save the icon under any name ending with ".ico" We'll use the name "logo.ico" and assume that your web site is under the directory "~your_directory".   <LINK REL="SHORTCUT ICON" HREF="/~your_directory/logo.ico"> NOTE: Above tag should be inserted in-between  the HEAD tags. You can create specify logos for particular pages using the second method. Simply save your icons using unique names, such as logo1.ico, logo2.ico, logo3.ico for example, and replace "logo.ico" in the above HTML code with the name of the icon you want to use for any particular page. The MWCE - Get Organized Now! Save YOUR Time! How To Set a Table From Denise Witmer, Your Guide to Parenting of Adolescents. FREE Newsletter. Sign Up Now! 5 Things to Remember When Setting a Table A table that is set properly is a wonderful start to a pleasurable family meal, whether it is a holiday meal or just Wednesday night dinner. Therefore, learning how to set the table is an important undertaking. Here are five things to remember when setting the basic family dinner table: Know what you will need before you start setting up. Get a count of how many people you will be having and find out what you will be serving so that you know how many and what everyone will need to use at the meal. Determine if you will be using a tablecloth, placemats or both. Place these things on the table and then gather everything else -- utensils, etc. - and place it on the table. Placement of basic dinner items is important. Place the dinner plates one inch from the edge of the table, with the fork on the left side of the dinner plate. The knife goes on the right side of the plate, blade inward; the spoon to the right of the knife. All of these utensils should be one inch from the table's edge. Should there be a need for other forks or spoons for other dishes, place these next to their counterparts -- spoons next to spoons and forks next to forks. Glassware is above the plate, on the side of the knife and spoon. All else should be placed on the table where is can be reached and where it will most likely be used. Don't skimp! Additional dishes and flatware should be used if there is the slightest chance it is needed. What is a couple of more dishes for the dishwasher? Put out the salad fork and bowl/plate if you are serving salad. This holds true whether you are serving company or not. Make the table look inviting with added flare. One way this can be done is by using the napkin as part of the decorations. Napkin rings, or folded cloth napkins, add a pleasing touch to each dinner place setting. A simple centerpiece can make a table setting. Place cards are a superb touch when you have company or at a holiday meal - as are charms added to wine glasses or water goblets. Kids and teens love to make these things, employ their help. Give yourself time to remember the little things. Do not put table setting last on the list of things to do when preparing your meal. You'll need time to remember everything and you will not be able to do that if you are rushing around while people are standing there waiting to sit. Being prepared for little spills and mishaps is also a good idea when setting the family table. GET A GRIP... on your advertising budget! Your success depends on quality advertising. My Wizard Ads - THE BEST ezines online & ezine & solo advertising at truly affordable prices! See our huge selection of advertising options today! Visit Now! "Blueprint" For Super Affiliate Success http://affbprint.magnoliawalker.com Here with some outstanding news! Here's the story... 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Winterizing the Landscape in Fall From David Beaulieu, Your Guide to Landscaping. FREE Newsletter. Sign Up Now! Tips for Fall Lawn Care, Winterizing Gardens As winter approaches, there are a number of fall chores for the landscaper to complete in order to ready the landscape for the next growing season. Let's take a look at some of the required chores, breaking them down by landscaping category. Fall Lawn Care: Apply herbicides to broadleaf weeds Correcting pH: if a soil test should show a need to reduce acidity, apply lime now. Thatch removal: dethatch your lawn, by raking; for bad cases of soil compaction, you may have to employ the technique known as core aeration. Rake leaves, lest the leaves smother your grass over the winter. To maximize your landscaping efficiency when raking leaves, consult Fall Cleanup: Make Mulch and Compost With the Leaves That You Rake . Lawn mower care: make sure to drain old gas after last mowing. Note: You should already have applied fertilizer to cool season grasses early in the fall. Since these grasses grow most vigorously during the cool months, it is precisely at this time that they can best use the nutrients provided by a fertilizer. Fertilization helps the lawn recover from the summer heat and prepares it for the next growing season. Winterizing Annual beds: After harvesting your fruits and flowers, remove old plant matter from the garden, placing it in your compost bin. Leaving it behind in the garden would invite plant diseases next growing season. Rototill your garden soil. Rototilling now may seem premature; but it will make your spring rototilling work go much easier. Make a habit of rototilling each year both in the fall and in the spring. Drain the old gas out of the rototiller afterwards. If you are going to rototill, this is the time to apply lime (if soil tests have indicated that your pH is too low). The effects of liming don't manifest themselves for several months, so liming in the spring is too late for next year's crop. Protect your topsoil from the rigors of winter. You have two options here: You can plant a cover crop for large beds. Or you can apply a mulch. Mulching is more efficient for smaller beds. And landscapers have a ready source of mulch in the leaves that they rake. Some garden experts recommend spreading compost on the soil as well at this time. I personally disagree with this strategy, feeling that it is a waste of compost. I recommend keeping your compost protected in a compost bin during the winter, waiting until planting season to spread it in the garden. Winterizing Trees and Shrubs: Winterize small deciduous shrubs that have fragile branches with a lean-to or some other sort of structure to keep heavy snows off their limbs. Deciduous shrubs provide no interest in winter anyways, so you are not losing anything visually by covering them. Evergreens, by contrast, are the cornerstone of winter landscaping aesthetics. To a great degree winterizing trees and larger shrubs can be achieved simply by watering them properly in the fall, since the winter damage that they sustain often stems from their inability to draw water from the frozen earth. "Avoid watering trees in late summer or early fall before the leaves fall so they can 'harden off' for winter," states Sherry Lajeunesse, in a Montana State University Extension article. "Then in late fall, after deciduous trees drop their leaves but before the ground freezes, give both evergreen and deciduous trees and shrubs a final deep watering to last them through the winter." The same source also reminds us to "water under the entire canopy area and beyond," to cover the entire root area. Putting Perennial Gardens to Bed But your fall landscaping chores and winterizing work aren't done yet. Below are some of the miscellaneous tasks still to be done for winterizing gardens and more. Of course, you may have specific features on your landscape that will require additional winterizing in the fall. For instance, owners of in-ground swimming pools or elaborate water gardens will have to engage in winterizing tasks specific to these features. Always follow manufacturers' recommendations. Perennial garden beds ideally should be cleaned up and mulched in the fall. Remove old stalks and leaves -- you'll have to do so in the spring anyways, so you might as well be a step ahead. But if, for whatever reason, you are not able to mulch your perennial beds in the fall, then do not clean away the old stalks and leaves either -- they will serve as a makeshift mulch, affording some small degree of protection to the roots of your perennials. In other words, the cleaning and the mulching go together: either do both or neither one. But it is best to do both, in order to keep your garden disease-free and well insulated. Winterizing your compost bin. You have worked hard all spring, summer and fall building up your compost pile and mixing it to achieve optimal decomposition. Don't let any of your work go to waste! You don't want precious nutrients eroding away or being swept off by wintery gusts. If your compost bin has no cover, then cover it with a tarp in the fall. To insulate it from winter freezing so as to hasten its usability in spring, apply a layer of raked leaves on top and all around the perimeter (bagging the leaves if necessary to hold them in place). Bring in the garden hose, too, and go down into the basement to turn off its water source in the fall. You don't want those pipes bursting when the temperatures fall into the teens, do you? But don't think that you must bring everything inside just because fall begins announcing the winter doldrums. Some landscaping concerns are ongoing, and those don't take a timeout for winter. For instance, if you're a landscaper blessed with having to battle Japanese knotweed, you can't afford to let your guard down -- ever. As I write in my look at Eradicating Japanese Knotweed, an effective eradication method for Japanese knotweed is to smother it with heavy, opaque plastic mulch -- i.e., tarps. Don't remove the tarps in fall! If you simply keep the tarps on all winter, you will immediately deprive the leaves of next spring's Japanese knotweed shoots of the light that they require -- they'll never have a chance to lead productive lives.... Finally, with winter approaching, your "pampered beasts" are no longer going to be the lawn mower and rototiller. The snowblower is again ready to assume that honor. Snow is as much a reality of the northern landscape in winter as grass is in summer. Pamper your snowblower accordingly! The following tips on readying the snowblower for winter come courtesy of Chase-Pitkin Home and Garden: Change the oil Install a new spark plug Inspect belts for wear and replace if necessary Lube the drive and chasis Fill with fresh, clean gasoline

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Today as I was searching for a few sites to include in this issue's, I came across these sites. Go out and see if your children can use these. The Library of Congress http://www.loc.gov/ The Library of Congress is the nation's oldest federal cultural institution and serves as the research arm of Congress. It is also the largest library in the world, with nearly 128 million items on approximately 530 miles of bookshelves. The collections include more than 29 million books and other printed materials, 2.7 million recordings, 12 million photographs, 4.8 million maps, and 57 million manuscripts. Audubon Online http://www.audubon.org This December is Bird Count Month! This starts 12/14 to 01/05. Learn how to create a bird habitat in your own backyard and use it as a science project.

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Best Selling Holiday Gifts Holiday Gifts Under $25 Game Day Snacks

Apple SnowBalls 6 Red Delisious Apples 3/4 cup Soft Butter or Margarine 1 1/2 cups Brown Sugar - frimly packed 1/2 tsp. Orange Peel - grated 1 Tbsp. Cinnamon 1 tsp. Allspice 1 tsp. Nutmeg 1 Egg 1 Tbsp. Water Pastry - Double Crust Pie Core and pare apples. In a medium bowl cream butter with sugar, orange peel and spices. Spoon mixture into core of apples and spread over outside of apples. Roll out pastry; cut into 6 inch squares and wrap around apples. Beat together egg and water. Place apples on baking sheet and brush with egg mixture. Bake at 425 degrees F. for 15 minutes; reduce heat to 350 degrees and continue baking 40 minutes onger, or until apples are tendedr and pastry is browned. Serve with Hard Sauce. Makes 6 servings. Hard Sauce 1 cup Soft Butter or Margarine 1 cup Confectioners' Sugar 3 Tbsp Brandy 1/2 tsp. Nutmeg In a small bowl beat together all ingredients until smooth and fluffy. Chill until ready to serve. Managing Your Finances: David Berky An Emergency Fund: Your First Line Of Defense Downsizing, rightsizing, forced retirement, layoffs, firings, outsourcing, and being made redundant. All could mean the same thing to you: financial catastrophe. No, you may not have to declare bankruptcy or move back in with your parents, but losing your job could put a big dent in your financial goals and even set you back several years. You may need to live on your savings or liquidate some of your investments. If you have no savings or investments you may have to rely on credit cards and could rack up significant credit card debt. Then when you find a new job, your expenses may have increased because of the additional credit card payments. And the job you eventually find may not pay as much as the one you lost. So you are now forced to live on less while your expenses have either continued at the same level or even gone up. Studies show that the average worker will have six career changes in his or her lifetime. Not just job changes, but career changes. So how can you prepare for your own financial "downtime"? An emergency fund. An emergency fund is really just savings. But it is not savings for a particular item or even an investment for your future or your retirement. It is your "rainy-day" fund. But unlike insurance where once you pay your premium, the money is out of your hands, your emergency fund is yours to keep. So how much do you need? How can you build your emergency fund? And where should you keep the money? The easiest way to figure out how large your emergency fund should be is to take your current income and multiply it by the number of months you could be out of work. If you make $3,000 each month and you want to be prepared for a 6 month "vacation", you will need $18,000. But obviously saving $18,000 will take some time. How quickly you want to build your emergency fund depends on how concerned you may be about your current and future employ-ment prospects. Saving $100 each month will take you 180 months or 15 years. Saving more each month means you will be protected sooner. Also consider that during the next 15 years your income may increase and your expenses usually rise to match your income. Also consider inflation. (If you own your home, your house payment may not rise. If you are renting, your rent probably will.) The cost of food, utilities and taxes also rise over the years. At a 3% inflation rate after 15 years your $118,000 will only buy $11,400 worth of goods. A good rule of thumb for saving is to try to save enough each year to supply you with one month's income. This means you are saving 1/12 or 8.3% of your monthly income. This will allow you to build your emergency fund by one month every year. After only six years you will have a six- month supply of emergency cash. Then you can continue to extend your "coverage-period" or you can divert the monthly payment into other savings or investments. Most people find that "billing" themselves for savings and investments is a good way to put your savings on auto-pilot. If an amount is taken automatically from your bank account each month, it is easier to handle than if you wait until the end of the month and try to save from what you have left over. (How often do you have anything left over?) So where is the best place to keep your emergency fund? Probably not a place where you can have easy access to it - too tempting. Definitely not as cash in the cookie jar - too unsafe (and no interest). And probably not in 5 year CDs - too restrictive. You may want to avoid CDs altogether so that you are not charged an early withdrawal penalty when you can least afford it. Savings accounts are OK, but usually pay very little interest. If a savings account is your choice, open one at a bank that you don't regularly use. Also don't get a checking account to avoid the temptation to spend "just a little" bit here and there. Or look for a money market account that pays a reasonable interest rate. You may want to consider a money market account that only invests in tax-free securities. This way you won't have to worry about paying taxes on your interest. Then set up an auto-withdrawal from your regular checking account or direct deposit amount from your pay check right into this new account. Adjust your budget to accommodate having less money each month and forget about it. You can also give your emergency fund a boost now and then by putting "windfall" money into to it. You know "free-money"; birthday gifts, inheritances, insurance settlements, escrow overages, rebates, tax refunds, etc. Your emergency fund becomes your own financial insurance policy. And if you never use it you will have that much more money to play with when you retire. Or even retire early with the extra money you have saved. ************************************* © Simple Joe, Inc. David Berky is president of Simple Joe, Inc. A marketing company that sells simple software under the brand name of Simple Joe. One of Simple Joe's best selling products is http://www.simplejoe.com/moneytools/index.htm Simple Joe's Money Tools - a collection of 14 personal finance and investment calculators. ************************************* Note: You may want to start small by saving $1000.00 first and then use a "snow ball" effect to pay off any debts you may have. By paying off your smallest debt, then taking that money plus your regular payment and applying it to your next largest debt you will be on your way to becoming debt free. Do this to each of your debts. Do not think about the "interest rate of each." Think about the amounts, start with your smallest debt and work upwards! Depending upon your total debt, you may need up to 18 to 24 months to clean it all up. You start this only after you have saved your $1000.00 Emergency Fund. This will increase your ability to purchase with cash and eventually get out of the "loan chain." Find flea and tick remedies at PETCO.com Fleas are a year round pest. Keep your pet protected. Order Now! The Animal Rescue Site is having trouble getting enough people to click on their link daily to meet their quota to getting free food donated every day to abused and neglected animals. It takes less than a minute to go to their site and click on "feed an animal in need" for free. This doesn't cost you a thing. Their corporate sponsors/advertisers use the number of daily visits to donate food to abandoned/neglected animals in exchange for advertising. Here's the web site! Pass it along to people you know. http://www.theanimalrescuesite.com Pets St. James Encyclopedia of Pop Culture by Angela O'Neal For thousands of years people have kept and cared for domesticated animals, often developing strong emotional ties with their pets and regarding them as members of the family. While once important for the services they provided--including rodent control, hunting, and guarding--pets have become even more popular as companions. Noting that relationships between people seem to be less reliable and more complicated, Veterinarian Aaron Katcher described the appeal of pets, explaining that animals offer "a much less difficult relationship." Pets have made an impact on more than just their owners, however. Stories of pets' heroism, hilarious escapades, and loyal companionship abound throughout popular media. The dramatic heroism and unbreakable devotion of some animals is reflected in literature. In stories like The Incredible Journey (1961) loyal pets brave the Canadian wilderness to find their families, Wilbur wins the heart of a small farming community in Charlotte's Web (1952), and in The Odyssey only Argus, Odysseus' dog, recognizes him upon his return. Animal stories have proven to be potent material for Hollywood movies. In 1957 Old Yeller broke the hearts of American movie audiences with the story of a dog who lost his own life in order to save that of a boy's. The little dog Benji used cunning intelligence to solve crimes in the 1970s. The 1980s and 1990s saw a virtual explosion of live and animated films starring pets. Hooch slobbered his way through a murder mystery with Tom Hanks in Turner and Hooch (1989). The true story of Balto the Siberian husky, who carried the diphtheria serum 650 miles from Nenama to Nome in 1925, became a moving animated film in 1995. And hits such as Beethoven, 101 Dalmatians, and Babe scored at the box office with stories of animal ingenuity. Since the golden age of television pets have entertained audiences. Lassie, television's longest running show, kept people tuned in for seventeen years in the 1950s and 1960s while the loyal dog saved people, solved mysteries, and generally loved his owner. In lesser roles, animals have added insight and comic relief to the tensions in human life. Both Murray, who drinks out of the toilet in Mad about You, and Eddie, who won't stay off the furniture in Frazier, anger and amuse humans by exposing the triviality of common annoyances. Even Data from Star Trek: The Next Generation keeps Spot the cat as a companion in his quarters because the pet makes him feel more human. In the 1970s, 1980s, and 1990s pets dominated the world of animated cartoons. In 1976, cat and bird duo Sylvester and Tweety began a long-running cartoon showcasing their antics. Comic-born Snoopy entertained audiences with fascinating stories of his imaginary world and Garfield comically revealed the intelligence of animals and the foibles of humans. Even in the comics, stories of pets inspire and excite. In For Better or Worse, Farley saved April from drowning and then died from exhaustion; Little Orphan Annie's dog Sandy stays loyally by her side; and Huey, Calvin's real pet hamster, provides amusing comments about the young boy's adventures with his stuffed Tiger in Calvin and Hobbs. Americans have been fascinated by the pets who occupy the White House. Richard Nixon talked about his dog Checkers in a speech which saved his place on the Eisenhower ticket. Barbara Bush helped the cocker spaniel Millie write a best-selling book in 1990 about what it's like to be the President's best friend. The coverage of President Clinton's decision to adopt a dog in 1997 overshadowed major news events. The White House received so many letters concerning the first pets that Hilary Rodham Clinton compiled Dear Socks, Dear Buddy: Kids' Letters to the First Pets to share American children's interesting questions about the Clintons' cat and dog. The presence of pets in the White House has become such a part of American life that it would be hard for many Americans to imagine a pet-less president. The twentieth century was truly a remarkable one for pets, famous or not. Despite the fact that they can be dirty, expensive, and demanding, pets reside in nearly half of all Western European and North American homes. Many people consider their pets to be surrogate children. In 1993 alone Americans spent 17 billion dollars on food, veterinary bills, leashes, apparel, toys, and other accessories and services for their pets. The influence of pets in popular media surely encouraged many people to become pet owners and it is clear that anyone wishing to understand pet-human relationships can understand exactly what pet owners are looking for in an episode or two of Lassie. St. James Encyclopedia of Popular Culture, 2002 Gale Group. Understanding Vitamin and Herb Labels Understanding What You Need to Know About the Supplements You Take by Mary J. Shomon The Institute of Medicine, a private, Washington, D.C.-based science organization that sets the nation's Recommended Dietary Allowance (RDA) guidelines for many vitamins and minerals, has updated the guidelines for vitamins and minerals for the first time since 1989. "Few people know how much of a vitamin or mineral they should be taking daily, and the recently updated RDA standards can compound the confusion," said Lynn Moss M.S, R.D., a continuing education specialist at Pharmavite Corp., which manufactures the Nature Made brand of vitamins, minerals and other supplements and Nature's Resource herbs. Moss recommends that consumers be knowledgeable about the following 10 tips when purchasing vitamins, minerals or other dietary supplements: "% Daily Value" or "% DV" on the label is the percentage of the Daily Value, a value created by the FDA for food and supplement labeling. It's based on and is a simplification of the RDA, but doesn't take into account age or gender as the RDAs do. If the "% Daily Value" noted is 50%, then you will receive half of the FDA recommended daily dosage of that supplement contained in one serving. Serving Size -This shows you how many tablets you need to take to reach the recommended percent Daily Value or the amounts represented on the label. You may assume that by taking one supplement a day, you are satisfying the recommended Daily Value. This is not always the case; read labels carefully for the percentage of the Daily Value you are getting from one serving. Scientific units such as "I.U.", "mg" and "mcg" are different ways of measuring the amounts of vitamins and minerals in each tablet or soft gel. "I.U.," or "International Unit," is the global standard for measuring fat-soluble vitamins and minerals (e.g. vitamins A, D and E). Water-soluble vitamins and supplements, such as B vitamins and vitamin C, are measured in milligrams (mg) and micrograms (mcg); one milligram (1/1000 of a gram) is equal to 1000 micrograms. Minerals that are needed in smaller amounts in the body are also measured in micrograms. Necessary nutrients without Daily Values, such as Boron and Nickel, are contained in supplements to help consumers gain health benefits from substances for which the Institute of Medicine has not yet established guidelines. Hotline and Web site for help. Dietary supplements that promote a toll-free number and/or web site are indicators that a manufacturer is proactive about sharing information with the public and is available to answer consumer questions,a nd more manufacturers are starting to feature this information on their labels. For example, Nature Made's consumer affairs department can be reached by calling 1-800-276-2878 between the hours of 10 a.m. to 7 p.m. EST. Jarrow Formulas, another popular manufacturer, features their website, ww.Jarrow.com, on all their product labels. Expiration dates are put on vitamin bottles to let consumers know how long the contents will be effective. After the expiration date, the vitamins will have aged to a point that they no longer contain the "% Daily Value" indicated on the bottle. Lot Number is a series of letters and numbers important for tracking the supplement's history in case there are any specific questions concerning the product purchased. Suggested Use information helps consumers safely and accurately obtain the "% Daily Value" annotated on the bottle along with other useful instructions, such as when the supplement should be taken and the best place it should be stored. Warnings help to alert consumers about protective safety seals on the product (which should remain intact at time of purchase) and help caution them of the potential adverse effects of taking a supplement. People on prescription medication, pregnant or lactating mothers, or people with allergies should look for warnings on package labels. Quality manufacturers will alert consumers about taking a supplement under such conditions and suggest they contact a health care provider before taking a the product. Quality statements represent a manufacturer's promise to offer high-quality, standardized products, and can come in the form of quality statements on the bottle or quality seals. Consumers should look for a name they recognize on these emblems or a seal from a health group that endorses the brand. For example, you might look for a company guarantee, or a United States Pharmacopoeia (USP) statement, or endorsement from a medical association. Join the Discussion Poll: Do You Know What A Vitamin/Herb Label Means? About Thyroid Poll Related Resources • Trouble Taking Vitamins and Supplements? Tips & Pointers Elsewhere on the Web • Nature Made Energy Leaks - Refresh, Refuel, and Get Results! by Colleen Langenfeld Copyright (c) 2004 Have you lost something? Your 'get-up-and-go', perhaps? The demands on our time keep increasing. But our energy level does not! Since we have limited personal energy-producing capabilities, it's important we choose where and how we use them. Most of us have energy leaks, those activities (or people) that use up our energy every day, in ways other than what we desire. See if any of these common energy leaks sound familiar to you. - Too much work. Too busy? We all get the same 24 hours...and it really is enough. Ever asked yourself why some people get so much done and others seem to spin in circles? Being busy is not the same thing as being productive. - Too little balance. What if we all just quit sleeping? Think of those extra hours! Of course, that idea is ridiculous. We require the balance of rest and activity. When people don't get enough rest their productivity generally plummets. Those extra 'awake' hours are wasted. This principle of balance is true throughout the rest of our busy lives, as well. - Too little of things you enjoy. This is another piece of the balance puzzle. If you find yourself obsessively working, make sure you have times of play that you immerse yourself in and enjoy to the max. Unhooking your brain and body this way makes sure you are ready to work again when the time comes. - Poor nutrition choices. Stuffing food into your mouth on the fly regularly is a recipe for physical disaster. Besides, eating is supposed to be pleasant; you are refueling the only body you will ever get in this life. You were given five senses for a reason! Ten minutes of menu planning just once a week can help you enjoy better nutrition, relaxed eating and enable you to take back your pleasure in meals again. Your physical energy comes directly from this process, so it deserves your attention! - Lack of adequate exercise. It's a paradox: be sedentary and feel like a slug. Work out regularly and gain more energy over time. It's not a question of IF it works, but will YOU work IT. Check with your doctor and get moving. - Hostile relationship's. Nothing zaps energy levels faster than an emotional harangue. If you find yourself being drained by a close relationship instead of nurtured by it, do yourself a huge favor and face it head on. Difficult? Absolutely. But standing pat could cost you even more, long term. Only you can decide. - Feeling deprived or resentful. Do you feel like life has let you down? Treated you unfairly? Do you feel as if you are constantly giving so someone else in your family can reach their goals instead of you? Helping others is vital, but in a family we need to be helpful to each other. If you are feeling resentful regularly, like you are losing out, your energy levels will disappear over time. Find someone safe to talk this situation over with or get professional help, if you prefer. Sometimes just a different perspective can help us see solutions we were overlooking. - Depression. Sometimes a lack of energy is a sign of depression. If you've been struggling with low energy for a period of time, see your doctor and tell him how you feel. Don't accept consistent low energy as normal without checking it out with a professional. - Fear of the future. Sometimes, we get a little nervous about looking ahead. After all, none of us know the future with certainty. If that fact disarms us, deep down inside, we might look for ways to derail our progress. Losing our energy means we won't have to move ahead at all. We'll only be able to keep up with our daily activities and that's it. Do any of these common energy leaks look familiar to you? By being intentional with your energy reserves, you can ensure you make the most of your daily efforts and get the results in life you really want! ========================= Colleen Langenfeld delivers deals, tips and creative resources to working moms who want the most out of their homes, families and careers at http://www.paintedgold.com . Sign up for our free newsletter and get an online Creativity Toolkit as our gift to you! Would you like to become a member of this ezine please email me at the following address. http://www.magnoliawalker.com/subscribe.html If you would like to unsubscribe from this ezine, please send an email to the following address. All of my subscribers are important to me and I will hate to lose your readership; however, I would rather you unsubscribe than charge me with SPAMMING YOU. Your address will be removed automaticly. http://www.ymlp.com/unsubscribe.php? 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