Hello:Jeanne, Your daylily blooms are pretty! I am currently growing indoors around 100 crossed seedlings. Takes 2 growing seasons for blooms.Worth the wait. Once you start you will be addicted from growing daylilies from crossed seeds.

We only have 5% down because we are selling our current home, we have a good income and even with 2 mortgages we are not overdoing it. If our current home doesn't sell we will rent it out, it's a condo in desirable location and easy to rent - but it will certainly sell. This is actually a condo not a townhome technically but an end unit with no one above, below or to one side so in that way it feels more like a townhome. The comps for this property are about twice the list price of this home, it is in a desirable neighborhood and this area is a market not hit much by any slump and already regaining momentum. We're not asking for advice on our personal financial decisions or the wisdom of purchasing this home -we have all the details and we're convinced that it is an excellent investment as well as being a great place for us to live for a few years - so close to work for both of us. We have not had a home inspection yet as our offer has not been accepted yet, so we don't have the full details on plumbing electric etc but all the fixtures work and the faucets and toilets etc work. This will be our second condo purchase so we are very familiar with HOAs what to look for etc. We don't need guidance there. $25k is not very much in the context of the california housing market, LOL and the property post-reno will be worth more than an additional $25k. We will be able to repay the renovation costs within months of buying, it's just the time frame of down payment, closing costs, moving costs and overlapping mortgages etc that will not allow us to free up the cash to do the basic renovations before we move in. This is an REO not a short sale, close of escrow will be very fast. What I would like input on is the Home Depot and Lowes Project loan or other similar line of credit type home renovation financing (credit union personal LofC?). Have you used them, how were the contractors (you have to use theirs) etc etc.

Beverly, I am frantically finishing things for the fam Christmas party this week end, and I am having guests for the holidays. I will be e-mailing you, but it will be after this weekend. We will have to keep this at the top because I know people are running around just as much as I am right now!! They are a very sweet and caring family. Rosa

When I used TG, the edges weren't sharp. Did you use the tempered glass from car windows? To save your hands, get the rubber palmed garden gloves to grout. I want to prepare a yoga ball too, but it isn't high on my priority lise yet. Show us pictures of your WIP, please.