Herb Garden Design Tips | gardening

Do you know that the popularity of world cuisine which uses culinary herbs has grown tremendously in countries such as India, Chinese and Italian food? This development has also opened doors for many schools to culinary courses, culinary restaurants and more developments related to the culinary herbs industry.But what we would like you to learn today is all about the best tips for herb garden design. For most planters, the design of a garden is a vital component since it makes planting and growing of herbs garden in the backyards, windowsill and even container gardening very interesting and extra special. A good garden design is one that is functional in a lot of different ways. Now, do you want to start learning? Functional herb gardens allows for natural healing, a fragrant area, a very attractive focal point, and good ingredients for culinary preparation. According to expert planters, you would need to consider some factors in order to design and create a successful herb garden.The factors to be considered when establishing a very functional herb garden design includes:1. Space available – When you are designing a herb garden you should first consider the availability of space. This is very important. Your space will determine the kind of soil, the kind of plants you will be planting and the type of soil that you will need for the successful growing of herb garden plants. What if you don’t have the required space for your planned herb garden? Well, you can try planting your herbs indoors.The ideal site for your herb garden should have full sun for most of the day. It should be big enough so that you can grow all the herbs you wish to plant, but not that large that you will have trouble maintaining it. Your garden should be near your house too. How would you like to harvest herbs if it’s a trek across the backyard in a rainy day?2. Micro climate of the site – The site’s climatic condition is also very important. The kind of soil that you will use is equally important. If you cannot produce a good soil, there will be tendencies you will fail in your herb gardening plans. Is this garden located in the southern part of the house or does it receive regular sunlight everyday day? These are questions that you should answer before you start planting.3. Which herbs we wish to grow – Think about the kind of herbs that you wish to plant. For example, if you want to have a culinary herb garden, you should keep track of the herbs that you use in cooking most frequently. Note too that there are herbs that need special attention.4. Aesthetic appeal of the garden – The aesthetic look of the garden should be seriously considered in herb garden design so that you can be proud to present your own herb garden to friends and associates.5. Grouping of plants – Plants must be grouped according to its usefulness and all other considerations. Some planters categorize plants by perennials, biennials and other classifications. Other gardeners group their plants by blocks. For example, a block of parsley, a block of mint, etc. Herb encroaching is prevented in this type of gardening.6. Closeness of the house – You also need to consider how far your garden is from your house is. Ideally, your garden should be near your house to make watering easier.7. Incorporation of ‘non herbs’ – If you include ‘non-herbs’ in the garden you must understand some limitations. There are herb plants that are affected by non-herbs so they must be properly identified.

Leather Fashion Bags – Unique Gifting Options Attainable Online | Fashion

Leather is liked the most by many of the shoppers who are eager to go for good quality durable accessories made out of it and can’t have anything better than leather fashion bags, belts, travel bags made out of leather that are very much in demand these days. Leather handbags are the latest in fashion today and you always have the flexibility to have them in many attractive designs and trendy colors. Each type will give a stylish appearance complimenting the attire that is worn. Fashion bags are unique gifting items for women as they are quite fascinated about fashion bags made out of PVC leather and those with PVC crocodile patterns with zippered pockets inside and outside. Fashion bags with embroidery and bead work can cost you a bit but are ideal gifting options that can be shopped for online at your own ease.Fashion bags are expensive and that too if they are made out of leather as they help achieve remarkable fashion statement for both men and women. Men are however, more curious to buy leather belts and wallets and shaving kits but women like flaunting designer fashion bags of international brands in colors of white, brown, tan, grey and in other trendy colors. A leather bag is an important wardrobe essential and is considered an international rage in the fashion world. These leather fashion bags, cell pouches, ladies fashion handbags can be used for offices. The good thing is that the designs match up with any style of yours whether contemporary or classic.Internet shopping today is regarded as the best option to explore exclusive leather fashion bags that could be gifted to loved ones. The exciting range of leather products online can make you select the most cherished and desired fashion bag in pure leather. Online visits to sites pertaining to your need of leather fashion bags and other types of utility bags can tempt you to explore wide range of leather fashion bags, ladies designer handbags, shoulder fashion bags, designer purses, fashion bags with detachable pocket mobile phones, metal frame ladies money bags, small purses that can be given as a memorable present to friends and dear ones. Stylish back packs ideal for picnics, holidays and camping are worth buying as these can be gifted to young teens to take it out for their sports sessions and recreational classes.There are online ventures that just deal in selling exquisite leather products especially the designer fashion bags and other leather products of unmatched quality but reasonably priced to suit every budget. Interested leather lovers can even go for wholesale leather fashion bags and other accessories for a less costly affair. There are exclusive websites that offer fashion bags, purses, fashion wallets, men’s wallet and belts in exclusive throw away prices that won’t let you shed of money beyond your reach. It’s just a matter of exploring websites of your choice and you will be surprised by the range offered at both wholesale and retail prices.

The Three Killers of Misunderstanding Investing | investing

An annual delight of mine is reading Warren Buffett’s annual letter to shareholders. Buffett has very much influenced me as a financial advisor and how I manage investments. In this year’s letter he writes, “Investing is often described as the process of laying out money now in the expectation of receiving more money in the future. At Berkshire we take a more demanding approach, defining investing as the transfer to others of purchasing power now with the reasoned expectation of receiving more purchasing power – after taxes have been paid on nominal gains – in the future. More succinctly, investing is forgoing consumption now in order to have the ability to consume more at a later date.”Whew, it brings tears to my eyes. Each time I meet with a client, I always try to reframe the concept of “money” and “investing”. Money is all about purchasing power and it’s all about buying things at some point in time. It’s laughably simple, but to me I can think of no other concept that common investors miss. Here are three implications of missing the concept:1. Responding to volatility – It is human nature to run from scary things. Each time the market goes down, investors panic out of the market. In my opinion, the only time an investor should take his or her foot off the gas pedal of investing is when they have decided that it is time to buy things in the near term. Otherwise, all sails should be up, your hand should be on the helm and you should ignore the reports of monsters in the waters or that you’ll sail off the edge of the world. If you think about when the money you have invested will actually buys things, the answer is often not in the foreseeable future. Naturally it’s different if you are living off your investments in the present time particularly if you are in long term care rapidly draining them down, but this answers the important question of when you are going to buy things. Volatility must be looked at as only that: volatility. Volatility is simply the price of admission that you must cope with in the task of seeking to outpace inflation. Historically, speaking of the broader capital markets, volatility has never ended up being a long term risk.2. Being irrationally conservative – If an investor embraces the concept that you are taking an amount of money that has purchasing power, investing it in something and that when it is done it will have a different purchasing power afterward, then he or she would probably keep as little money in cash equivalent investments as possible. I think it’s always important to assess how much cash somebody needs to have on hand, but then to highly discourage having anything more than that figure. I have no idea why somebody would get a CD for money that they are not likely to spend in their lifetimes. If somebody gets a $100,000 one-year CD earning 0.50% when inflation is 3.00% in essence they’ve lost 2.5% or $2,500 at the end of the term. If each year this was sent as a bill, I have a feeling people wouldn’t do this as much as they do. Elsewhere in the Berkshire annual report, Buffett notes that since 1965 the dollar has fallen by 86%! It takes $7.00 to buy what $1.00 bought back then. Investors who are earning a rate less than inflation are kidding themselves if they think that they any portion of that interest as “income”. And to turn the knife, that “income” is usually fully taxable. Cash is like oxygen, you want a little around you to breathe, but anything beyond that should be promptly deployed.3. Jumping into Bubbles – This type of investment shows the ugly side of supply and demand. Sometimes an investment will increase in price only because of an expanding pool of buyers and not because the investment is increasing in value. There will be a group of buyers in an investment. More are attracted to that pool not because of the investment, but only because they believe that the buying pool will expand further. The investors are not investing because of what the asset will produce (usually the asset is a zombie from a rational standpoint), but rather because they believe that in the future other investors will desire it even more. The essence of a bubble is that it doesn’t have to do with the investment itself and that there isn’t anything to numerically justify it, it’s all about expecting future buyers of the asset. To me, gold is a bubble. It is a zombie asset and the only thing driving the price is the hope that in the future somebody else will come along who will buy it for more than what you bought it for. This isn’t investing, it’s speculating. If you were given one ounce of gold when you were born, when you died you would have… one ounce of gold. The cruel experience is that investors usually see prices rise and it justifies their investing hypothesis – at least for a while. As a financial advisor, there’s no shame in telling people they shouldn’t invest in something based on principle and then to see the prices of that investment rise afterward. There’s no shame in being temporarily wrong.I think that when investors seek to denominate their money in a manner which orients it around the reality that people purchase things now and in the future, then they are likely to let go of their primitive fears that cause them to do foolish things. 5 years, 10 year, 50 years, 100 years from now humans will consume more than they do now. When you have money denominated (or invested) in a stock, it is a piece of a company that in the natural flow of business will raise its prices along with seeking to expand its sales (which all things equal, should happen simply by population growth and also perhaps by the emerging consumers across the globe). Some investments are designed to keep up with rising prices, others are not designed that way.There are strategies that compliment this, but before investing you have to embrace that it’s about purchasing power and guarding that. Secondly, that if you aren’t exercising your purchasing power (otherwise known as buying things), it’s unlikely that you have any rational reason to cash out your investments. History has taught us that this approach consistently works so long as people don’t let their emotions take the helm.