22 FebHumming Bird Feeders

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First, it’s important to note that hummers are migratory birds. Where you live will determine what time of year you’ll see the birds. Humming birds are migratory birds, so you will not be able to see them all year round, even if you have nectar in your Humming bird feeder. You will generally start to see humming birds in the spring once the weather is warm and then through out the summer.

Want to know how to attract beautiful Hummingbirds to your garden? Give them the food they like nectar. Nectar placed into a Humming bird feeder will draw Hummingbirds. Hummingbirds will eat more than twice their bodyweight in nectar, so having Humming bird feeders placed throughout your garden will help in their search for more food. There are a large variety of Humming bird feeders that you can choose from, that will decorate your garden nicely.

Essentially Hummingbirds need the nectar to power the insect eating machine that they are. The nectar provides the calories that they need, while the soft-bodied insects and spiders provide the protein. Banana peels that are overripe are good to set out to attract the flies for your Hummingbirds. I have a box of bananas and within a short period of time, I am inundated with flies.

Now back to the Hummingbird feeders.

Perky Pet Humming bird feeders offer endless designs for you to choose from. Some models come in the shape of strawberries or apples. Their body shape is bright red, which helps to attract the birds attention as Hummingbirds love the color red. Its shatterproof and holds about 48oz. of nectar. If your Hummingbirds prefer one style over another, its probably simply a matter of familiarity. If you change feeders, it may be in your best interest to hang the old one empty alongside the new one. I would recommend the HummZinger and similar well-designed basin feeders for their ruggedness as well as their ease of maintenance.

You then have the hummingbird Oasis feeder varieties from Perky Pet. These Humming bird feeders have a built-in ant moat that is between the feeding ports and the rod. With 6 feeding stations each has an individual perch and yellow flower feeding port.

Where to hang your feeder? A new humming bird feeder may be found sooner by hummingbirds if it is hung over or near a garden of hummingbird plants. My feeders are near windows, where I can watch and enjoy them: one is in a living room window, another outside the kitchen. But, as a word of caution, ensure that your window has a blind or drawn curtain behind it to prevent your Hummingbirds from flying into the window.

Here’s the recipe for artificial nectar (syrup):

Use one part ordinary white cane sugar to four parts water.

Store unused syrup in the refrigerator for up to two weeks.

The fastest recorded wing beat rate was about 80 per second, on a tiny Amethyst Woodstar, and the slightly smaller Bee Hummingbird – the world’s smallest bird – may have an even faster rate. Truly a remarkable bird of creation.

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13 FebHow To Get The Lowest Refinance Mortgage Rates

Those considering refinancing their home for a better mortgage rate should consider a number of factors, and learn the tips and tricks to help get the best rates for their mortgage. You should never take the first refinance offer that is made.  Shopping around to compare interest rates and terms from a wide variety of lenders will help you to get the best deal possible. Once you have found a good deal, you should check to find out whether there will be any hidden fees. These can include closing fees on your old mortgage as well as fees to open the new mortgage.

Refinancing Tips
You should calculate your expected monthly and yearly savings from the refinanced mortgage. Then, the costs of refinancing should be deducted from this amount. This will tell you whether a given plan is worth your while, or whether you should continue shopping. After these calculations have been finished, you may find that there is one lender you particularly prefer. Many borrowers prefer to stick with their current lender because of the familiarity that lender brings. In this case, see if you can convince that lender to match your best refinancing offer. If there are some fees you do not feel you can accommodate, it is always worth asking your lender if they would be willing to waive them in order to retain your business. The worst that they can say is no.  In that case, you can simply move on to the next lender.

The Importance of Your Credit Score
Borrowers should ideally have the best possible credit score when they refinance their mortgage. Lenders determine whether a person is worthy of extending credit to through this scoring system. The better your history, the better the rate the lender can offer. If you have a poor credit history, there are options to improve it. These things do, however, take some time.  

Improving Your Credit
You should first be sure that your existing mortgage is paid on time every month.  This way, the bank will be able to tell that you can make your payments on time.  Also, the more debt you can rid yourself of, the better your score will be. Repaid debts improve your credit rating. Consumer debt is considered the worst form of debt, including credit cards, store cards, and personal loans. This kind of debt is not received favourably when applying for any sort of loan.

28 Jul5 Tips for Choosing a Tax Preparation Firm



A tax preparation firm can be a good move for you. Most people do not enjoy doing their taxes and are not comfortable doing it since it is simply an annual event. Using a tax preparation firm can help save you money and time since the firm is experienced in this particular endeavor because of how many returns they file each year. 

As with any service that you will use, ask about the fees upfront. You want to choose a thorough tax preparation firm which will not charge you an arm and a leg. Fees can differ but it may be a flat fee depending upon how complicated your return is. You may simply ask what the range of fees is and you could be more specific explaining your situation so they can be more specific with the fee structure.  

Another key is to think through how complicated your tax return will be. You want to work with a tax preparation firm which has worked with people in your type of situation. A good example might be if you worked in two different countries within one year. This can be a highly complicated situation that many tax preparers have never faced before. Having familiarity with situations is critical so that your tax preparer has experience with the tax codes that pertain to your particular situation. 

If you own a small business and work with an accounting company, a good practice is to have your taxes done by your accountant or to work with someone at the recommendation of your accountant. If you are happy with your accountant, you can easily find referrals by talking to him or her. People get along with others whom they like and if your accountant gets along well with a certain tax preparation firm, you will likely work well with them as well. This can ensure a good working relationship. 

Find a tax preparation firm early in the game. If you wait until close to the filing deadline, you may find that many firms may have to turn you away. They already have many clients and are not able to keep up with new clients as well. If you give yourself time by starting the process earlier in the year, you can find a firm that you want to work with very easily and which has time for you as well. 

Check how the tax preparation firm has worked with others. You can ask for a past customer referral to talk with if you would like. You could also check with the Better Business Bureau to see if there have been any complaints against the tax preparation firm in the past. There is also a state board for accountancy that you can check with to see that you are working with a reputable tax preparer. 

These tips should serve you well so that the tax preparation firm can save you money and time. You can potentially save more on your tax return as well because of the knowledge and expertise of the firm you decide to work with.



Kwame Kuadey runs a gift card exchange website and a popular gift card blog. He has written many articles on topics like Gift Card Ideas, Bankruptcy and Gift Cards, Gift Card Swap , and How to Check Gift Card Balance.
Kwame is also editor of the Gift Ideas Blog, a source for Gift Ideas

14 JunPost Election Trauma Syndrome (pets); it is Curable!



Reflecting upon the “day after” election 2008, I found myself feeling like I was standing between my yesterday life and a vague facsimile of the life I had pre-campaign. I was still; and there was no movement of time. I discovered the promises I had made to myself that I would finally clean my house, do the laundry and get the shopping done just after election night, are still left undone. Yet, I mindlessly wander around feeling  an anxiousness, as if I was suppose to be doing something, but there was no motivation to do much of anything.

Over the last year or so my whole body, mind and soul has been focused on one goal; to do everything within my ability to be a part of history and see the first African American be elected as our 44th President of the United States. Now that it is a reality, I am discovering I was living an alternate life that ended quite abruptly on November 5th, 2008. The announcement that Barack Obama was the projected winner of the election was such a surreal experience but that event rapidly turned into an abyss of emotions.

Although, a day and night had passed, there seemed to be something going on. I was really mystified by my emotions and behavior, or in my case, the lack of behaviors until this feeling of familiarity bubbled up into my consciousness; I had experienced this before. Some time back, I had volunteered over 100 hours at the 2002 Winter Olympics, and the days following the closing ceremonies of that very meaningful world-wide event, I meandered around my days as if I was in a thick fog, and no matter how much I tried walk around or out of it, the fog continued to wrap around my life.

There had been approximately 25,000 people volunteering for the 2002 Olympics, and most of them were in the same patch of fog that I found myself in. This phenomenon actually became a story in the local news media. The news media dubbed the volunteers’ experience as Post Olympic Blues. I was pessimistic about such a description because I wasn’t feeling depressed, I was feeling like my purpose in life had been ripped right from under my feet.

Since the 2008 election process began, most of us have been living on a constant flow of the hormone adrenaline. This hormone has helped us push our bodies to be super-human by living on little sleep, constantly walking, door knocking, and talking to exhaustion; motivated by the hope that change was on the horizon. After the election, the body no longer needed the constant secretion of adrenaline, and so we soon felt the physical and mental crash that occurs when the body stops producing adrenaline in constant high volumes. This crash most of us experienced is an inventible consequence of a swift transition from high motivation and energy to “nothing.” The nothing we are experiencing, is the beginning of what can now be known as the “Post Election Trauma Syndrome,” or (PETS).

PETS has similar features to a well-renown concept known as the Kubler-Ross “Five Stages of Grief” model. This model was developed for the purpose of understanding how people grieve and process a significant loss in their lives. Most people believe that “grief” only applies to the loss of a loved one through death, or the loss of a love relationship, or even to the loss of a beloved pet. However, any significant personal change in circumstances is considered a loss and the change does not always have to be viewed as a negative one. The change just needs to be significant enough to elicit the response of loss.

It is pretty easy to notice that all of us, who have had a considerable investment into this year’s historic election, have experienced a “significant personal change” in our lives that may have caused a cluster of symptoms related to PETS. Our collective and diverse efforts and experiences dissipated soon after November 4th, 2008 and most of us, to some degree, have had some feelings of this loss. Even though the outcome of all our hard work and prayers had a positive result, gaining an understanding that we are suffering these symptoms of PETS, may help us reintegrate ourselves back into our family, friends and the society in which we once belonged.

There are specific symptoms that are identified with the PETS disorder which are identified below:

Numbness (mechanical functioning and social insulation)

Denial (this isn’t happening to me!)

Bargaining (If only, then I will be OK, if …..)

Depression (moping around, no motivation)

Acceptance (I’m ready for whatever comes)

Reorganization (re-entry into a more ‘normal’ pre-campaign life.)

We may recognize some of the above symptoms as something we are currently experiencing, or have recently experienced over the last many days. The list above is a collection of symptoms related to PETS and if we are able to identify with at least two of these symptoms we may be suffering from PETS.

Let’s examine each of these symptoms separately by starting with the symptom of feeling “numb.” If we are wondering around our daily life functioning as a mechanical robot and insulating ourselves from any emotions that may want to surface, then we are most likely suffering from the symptom of numbness. Eventually, the numbness will wear off and we may move toward a natural defense mechanism of denial to protect our psyche from the reality that our efforts and work are no longer needed; and the life we had been living for the last year and a half or so, is no more. We may feel some anxiousness as if we are suppose to be doing something but we are bewildered as to what that might be. If this sound like you or any of us, there is a high probability we are suffering from the symptom of denial.

At some point denial will begin to dissolve into one of the other symptoms of PETS. Nearly all of us were ecstatic when we heard the announcement that the media projected Barack Obama had won the election. The extremely positive feelings we were having may have lasted for hours or even for days since our ultimate goal had been realized.  Eventually though, we all began to participate in the symptom known as bargaining as another way to cope with PETS.

This symptom translated into a worry of “if only” Obama’s Head Quarters doesn’t shut down the campaign site, we will be able to keep in touch with the many virtual friends we had made. This symptom became quite noticeable when all of us blogger’s began posting a very similar theme of concern. Many of us started to consider the possibility of losing the site and started posting “if only” the Obama Head Quarters could provide an alternative site we would all be “OK” because we would still be able to stay in contact with all of our virtual friends we made during the Obama campaign. The Obama Headquarters must have noticed all of our worried posts and posted a forum that stated they would not be shutting down the site and they also notified us that they had created a new sight so that we may continue on our journey of participating in our government “of the people, by the people, and for the people.”

Even though we had been reassured by Obama Headquarters that they had not forgotten about us, some of us may have started to suffer from some level of depression. This may have started the day after the election or at any time after and co-exist with any of the other symptoms we were experiencing. Although this mild form of depression can be a natural part of the loss process, the symptoms should dissipate in a short period of time. If for some reason, someone continues to be depressed or the feelings of depression dramatically increase, it is important that we seek professional help immediately.

Eventually we will begin to accept this significant change in our life. At first, the symptom of acceptance related to PETS, may be tempered and we may be somewhat aloof about returning to our pre-campaign life. There will still be occasional waves of emotions that can be triggered by any number of experiences, which is very normal and is evidence that we are beginning to heal from what we perceive as a loss. As time passes, we will eventually reorganize our thinking by incorporating our loss with positive memories of the long, hard fought battle of the campaign. We will no longer be sad about this significant change in our lives, as the experiences are now a part of us and the feelings of loss will no longer keep us from functioning as we once did in our pre-campaign lives.

(PETS) is not a neat list of absolutes, it is a wide range of emotions and behaviors that are as individual and varied as those of us who are dealing with the disorder. What is important to remember, is PETS is not a pervasive condition and will subside as time goes by. Armed with the knowledge of PETS, we can now better understand ourselves and others who are going through many symptoms of PETS. Recognizing that we’re not alone in our suffering can increase our empathy and support for others and provide permission for us to go through the process in our own way and in our own time.

By now all of us may be wondering how we can help ourselves through this period of suffering from the PETS disorder. There is actually a barrage of activities that can improve our mood and increase our ability to recover faster. Just like people who suffer from PETS that will have diverse and unique symptoms, there are also as many unique ways of improving our ability to recover from this disorder.

Some ideas to promote our healing process may be to take a day to pamper ourselves in whatever way that we know how to pamper ourselves. Start making that scrapbook of your campaign experiences. Meditate/Pray, read both of Obama’s books for the first or second time. Give your pets’ extra special attention. Volunteer at an animal shelter, or a homeless shelter. Look for your local Democratic office and become acquainted with your local leaders. Begin emailing or writing letters to your state representatives about issues that you and our President-elect Obama have been passionate about.

It may be worth mentioning that the Obama Headquarters have already developed a new website to keep “we the people” involved in the restoration of our government. The site link is http://www.change.gov and may be a great way to start the process of reorganization and reentry into our pre-campaign life.

This is not the time of wondering where we go from here, but a time to adjust and move forward. Since this is a specialized disorder, it can be comforting to know we will eventually succeed in healing ourselves from PETS. This will become obvious when we are able to see ourselves stepping back into our pre-campaign life. The one difference between pre and post campaign involvement though, is that we will have brought with us a richer life filled with positive memories of our widespread involvement with our children’s and grandchildren’s history.

Although, we have all participated in making history, there is a possibility there may be another outbreak of PETS four years from now. However, next time we will have all been vaccinated and thus be armed by our understanding and knowledge of PETS disorder, which will greatly reduce the symptoms that we may suffer. If we decide to get involved in the political process once again, it will be inevitable that we will have that sudden and significant feeling of loss that will occur after re-electing President Obama in 2012. In the meantime, one way we can heal faster from PETS, would be by collecting all of the memorabilia that has been scattered around our homes that we thought would be cleaned up by know, and start making our scrapbook of memories we promised ourselves we were going to do as soon as this election was over!

(Loosely Based on the Grief Cycle model first published in On Death & Dying, Elisabeth Kübler-Ross, 1969 and the Interpretation by Alan Chapman 2006-08.)



Beth holds a Master Degree in Mental Health Counseling and an undergraduate degree in Psychology and Criminal Justice. She is a single mother of a special needs child and volunteers and supports Barack Obama for President.

This year’s presidential campaign has prompted her to become actively involved in the political process for the very first time in her life. Some of the support she has participated in is through volunteering, voter registration, publishing article and columns, and donating money to a campaign for the first time in her life.

Five days after the tragic 9/11 attack on America’s soil, she organized a “Petition for Peace 2001″ event. Included in the event, were approximately 17 different religions, cultures, race, etc.; even two Muslim men who attended were very grateful to be a part of the event.

In 2002 she volunteered over 100 hours at the Winter Olympics in Salt Lake City, Utah. On the heels of 9/11. This Olympic event was a welcome time in America and the author’s involvement in the Olympics was one of the most memorable times in her life; the only exception would be the event she organized just four months before.

Since the tragic day of 9/11 she has waited for an exceptional candidate that would lead our Country to peace and regain the positive leadership that other countries use to respect. She feels Obama is that exceptional person to lead this Country into the positive change that Americans have needed for a long time.