Saturday, May 14, 2016

Practical Benefits of Growing a Kitchen Garden

I have a small, suburban garden plot. Why? I plan to blog on the topic of gardening for a while. This is the first installment of several.



There are many reasons for even a city dweller to grow some of their own food. Which reasons come to mind, for you? (Leave a comment!) For me, the reasons are both practical and philosophical. Let's start with the most basic reasons:

COST 

Growing your own food can save on your grocery budget, of course. If you are like me, and have only a small space in which to garden, budget issues are a good reason to focus your growing efforts on expensive foods. The smaller your space, the more closely you will want to focus on quality as opposed to quantity.

In my own garden, some of the things that I grow that are more expensive to buy in the grocery store are things like tons of cherry tomatoes,  fresh basil, colorful peppers, and sugar snap peas. 

Some expensive foods, like asparagus,  can be incorporated into your landscaping, planted once, and then will produce year after year.  Besides asparagus, other examples of plants in this category are blueberries and raspberries. 

I recently paid $3.50 for a pint of blueberries in a standard grocery store. A mature blueberry plant will produce several gallons of blueberries per year and produce fruit for many years. Further, in my region, early, middle, and late varieties of blueberries can be mixed. If blueberry varieties are selected according to a staggered ripening season, a home gardener can have fresh, homegrown (and free!) blueberries all summer long. 

Perennial plants and trees, like blueberries or apples, are not free, so there is an initial investment in plants. That leads back to the issue of cost effectiveness.  

To some extent, out-of-pocket costs on the front end of establishing good plants can be reduced by making a few trade-offs. For instance, a blueberry plant that is one year old from the nursery will be substantially less expensive than a blueberry plant that is several years old. The trade-off is that purchase of a smaller plant will require one to wait a couple of years for a more bountiful harvest.  

There is also a cost involved in getting started in growing plants that last for just one season, such as tomatoes, squash, and peppers. A beginning gardener will need some how-to books, tools such as a spade and hoses, soil enrichment, and seeds or starter plants. Indeed, in some cases it may seem that investment in things like raised bed materials, soil, plants, etc., can make the investment less than cost-effective. 

For this reason, set a budget and stick to it! Perhaps in year one, only invest in a few items and equipment, focusing on a few simple, low maintenance items that you love. If you are successful, find you enjoy gardening, and want to do more, then gradually invest more in equipment as time goes by (raised beds, soaker hoses, composting bins, gardening tools, etc.). After the initial investment in getting started, future costs will be lower. As with many things, the more years you do it the more you learn and the more efficient and cost effective you become. 

Reducing out-of-pocket grocery cost is not the only reason to grow your own food, however.

HEALTH 

Many home gardeners who have small space focus their efforts on growing crops that are known to have high concentrations of pesticides and other chemicals when grown commercially.  If you do a Google search for "dirty dozen vegetables," you will find web pages that have lists of fruits and vegetables that have high amounts of pesticide and chemical residue in them. One example is strawberries. Another of these vegetables, believe it or not, is potatoes. This is because commercially grow potatoes are treated with chemicals that prevent fungus and also prevent them from sprouting.

The ability to grow organic, chemical free food is a significant reason to have a home garden. I admit, I was not raised doing organic gardening, and I am on a learning curve. This year, some bugs attacked my greens. I responded by spraying them with insecticidal soap. (The label says it is suitable for organic gardening.)  Although I did use chemicals, I knew exactly what I had sprayed on my plants and when, and so I knew when it was safe to pick and eat them. I do not have the same level of trust with regard to chemicals used on commercial crops! 

Even if a gardener does not use organic techniques in growing a garden, we know what chemicals have been used on the crops, and when they were used. The home gardener can use this knowledge to understand when the food is safe to eat without fear of pesticide residue! 

As more and more information is learned about long-term effects of pesticides on the body and the dependence of  industrial agriculture on pesticides, this has become more and more of a factor for me, personally. 

TASTE

A third reason to grow your own vegetables and fruits, is simply quality and taste.  Growers who are producing foods for shipping and mass marketing are limited in the types of plants they can produce. Namely, plants produced for mass marketing must be able to stand up to rough handling by laborers, trucking over long distances, and must have a long shelf life once they are in the store. Delicate varieties of fruits and vegetables cannot hold up to this type of handling. 

Peaches are one example of a type of fruit where the difference between a variety grown for shipping and a variety grown for home use is striking.  There's simply no comparison between peaches that will stand up to shipping and the luscious, fragrant fruit that drips nectar when you slice it and would bruise if you looked at it the wrong way. 

However, there are many more fruits and vegetables for which the difference between  produce grown for mass production and the varieties available to the home gardener is striking. Some veggies, in fact, are not even available commercially. In my garden, I grow a couple varieties of plants that are not readily available in standard grocery stores, such as small white Thai eggplant and thin purple Chinese eggplant. An example fruiting in my garden right now is Swiss chard, which does not ship well. Here is a photo of some Swiss chard I recently picked from my garden:



There are many more reasons to garden, but I will talk about those in another entry another day! In the meantime, happy gardening!




Thursday, October 8, 2015

DISASTER RECOVERY CHECKLIST FOR COLUMBIA, SC FLOOD VICTIMS



CHECKLIST FOR THE BUSINESS SIDE OF DISASTER RECOVERY


Your house, car, or business has been flooded.  Now what?  

This blog post seeks to help those in  the Columbia, SC, area who've suffered flood loss and aren't quite sure what to do next.

I've created a checklist and links to resources to get you STARTED in the right direction regarding the steps needed toward the “business and paperwork” side of recovering from natural disaster.  For additional assistance and guidance in the coming days, seek the advice of a trusted business advisor.

As soon as you can, after you and your family are safe,  begin the process of documenting your loss and applying for insurance and assistance.  The main thing is that the sooner you begin the process of compiling and organizing your documentation of loss, and applying for assistance, the better. This list will help you get started in that process:

ITEMS RECOMMENDED FOR YOUR PERSONAL DISASTER RECOVERY KIT

  • A notebook for keeping track of conversations, contacts, etc.. 
  • A plastic folder safe storage of multiple receipts 
  • Another folder for storing and organizing the papers you receive. 
  • A USB storage device for storing electronic data information such as photographs. 
  • A calendar for keeping up with important dates and meetings 
  • A camera for documenting your loss through photos 
  • An expanding file folder to keep everything in. 

DOCUMENTING YOUR LOSS

  • Place all receipts into your plastic receipts folder. Keep receipts of EVERYTHING, restaurants, plastic garbage bags you buy, hotels, etc. (whatever) 
  • Take photographs of everything, even stuff you throw away, as well as damaged items. Take pictures of trash in front of homes, flood damage inside, valuables lost. (Even if am insurance adjustor takes photos, survivors should do it also.) Store the photos on a USB that you keep in a safe place. Make a backup of your photos, as well. Keep the backup in a separate place or with a friend. 
  • Keep a journal that has notes of everyone you talk with, date and time of the conversation, topic of conversation, what was said, follow up actions, name and ID number of the person you talked to, everything. 
  • Create follow-up dates on your calendar, as a reminder. Write milestones and achievements on your calendar, as well. It will serve later as a reminder of your journey and how far you have come! 

FILING A HOMEOWNER’S INSURANCE CLAIM

  • Locate your policy (if possible): Renters, Homeowners, Auto, Flood 
  • Contact your Agent and file a claim (they may deny coverage, but the letter will be needed later) 
  • Your policy may cover water damage, even if it does not cover flood damage. The two are different! Fundamentally, flood damage is from water that results from a flood. Water that comes from other source, such as a roof leak or an exploding hot water heater, may be covered by your homeowner’s policy. Exact coverage will depend upon your policy. 


FILING A FLOOD INSURANCE CLAIM


APPLYING FOR FEMA ASSISTANCE

  • http://www.disasterassistance.gov/
  • Items you will need during the application process: 
  • Social security number, Insurance policies (homeowners, flood, auto etc), Direct deposit info for your bank 

APPLYING FOR SBA ASSISTANCE
  • https://www.sba.gov/content/sba-offers-disaster-assistance-south-carolina-residents-affected-flooding 
  • Disaster loans up to $200,000 are available to homeowners to repair or replace disaster damaged or destroyed real estate. Homeowners and renters are eligible up to $40,000 to repair or replace disaster damaged or destroyed personal property. Interest rates are as low as 4 percent for businesses and 2.625 percent for nonprofit organizations 1.875 percent for homeowners and renters with terms up to 30 years. Loan amounts and terms are set by the SBA and are based on each applicant’s financial condition.

GETTING LEGAL HELP

  • The S.C Bar has recruited and trained attorneys to provide free assistance to those who cannot afford legal services. Flood victims facing legal issues who are unable to afford a lawyer may call 1-877-797-2227 ext. 120 (toll-free) or(803) 576-3815 (local) between 9:00 AM and 5:00 PM, Monday through Friday, to request assistance. When connected to the hotline, callers should identify that they are seeking disaster-related legal assistance, brief details of the assistance needed and in which county they are located. Individuals who qualify for assistance will be matched with South Carolina lawyers who have volunteered to provide free legal assistance. Flood victims may also request assistance online by e-mailing DisasterInfo@SCBar.org.
  • The type of legal assistance available includes:
    • Assistance with securing FEMA and other government benefits available to disaster victims;
    • Assistance with life, medical and property insurance claims;
    • Help with home repair contracts and contractors;
    • Replacement of wills and other important legal documents destroyed in the disaster;
    • Assistance in consumer protection matters, remedies and procedures;
    • Counseling on mortgage-foreclosure problems; and
    • Counseling on landlord-tenant problems.

GETTING HOUSING HELP

  • People with need for immediate assistance with housing may contact the Cooperative Ministry, phone 803-451-7398. Their criteria for intake, for people displaced by flooding, have been temporarily relaxed due to difficulty for some of supplying the necessary documentation. Try to have your driver’s license, passport, social security card or other government issued ID, and as much other documentation as possible concerning your need.
  • Some people who are renting lower income housing in low lying areas may need assistance dealing with landlords and getting repairs done to their homes. Contact South Carolina Legal Services at 888-346-5592.

GETTING TAX RELIEF

  • Tax deadlines have been extended for people living in affected counties: 
  • “The declaration permits the IRS to postpone certain deadlines for taxpayers who reside or have a business in the disaster area. For instance, certain deadlines falling on or after Oct. 1, and on or before February 16, 2016 have been postponed to February 16, 2016. This includes the Oct. 15 deadline for those who received an extension to file their 2014 return. In addition, the IRS is waiving the failure-to-deposit penalties for employment and excise tax deposits due on or after Oct. 1, as long as the deposits were made by Oct. 16, 2015.”
  • For more information, see http://www.irs.gov/uac/Tax-Relief-for-Victims-of-Severe-Storms-and-flooding-in-South-Carolina

GETTING SPIRITUAL HELP


GETTING HELP FOR YOUR CHILDREN