How To Get A Copy Of Your Credit Report

Your credit report is information regarding your borrowing and repayment history using information from your creditors and public records such as court documents. Credit bureaus do not approve or reject you as a credit risk.

The law guarantees you access to your own credit report and the basic information that is sent to creditors. The credit bureaus must disclose: 1) All information (except for medical information) on file at the time of your request 2) The sources of the information on file 3) The name of anyone who received your credit report for employment purposes within the past two years, and 4) The name of anyone receiving your credit report for any other purpose within the prior six months.

How to Get a Free Credit Report

The credit report is free if you have been refused credit, employment, or insurance within 30 days – based on a credit report from the credit bureau from which you now seek a report. In practice, the bureaus usually honor a request for a free report anytime within 60 days after credit is refused. However, credit bureaus that did not issue a report that was the basis for the denial can still charge you a credit report fee.

You are also entitled to a free report once a year if you certify that any of the following are true:

  1. unemployed and seeking employment
  2. receiving public welfare assistance
  3. a victim of fraud and your file may contain inaccuracies

If you do not fall into any category allowing you to get a free report, the fees vary between bureaus and even different regional offices of the same agency. Therefore, you should check with the credit bureau before you formally request your credit report. Generally, the fees are under $10.

It is not difficult to contact the credit bureaus to obtain your credit report. You will know whom to contact if you have been denied credit, because the creditor must then send you a letter explaining why you were denied credit and the name of the credit bureau to request a credit bureau report.

To request a credit bureau report, you may call or write directly to the agency. You should state:

  1. Your full name. State any aliases or maiden name. Also include your middle initial, and generational indicators: Jr., Sr., II, or III.
  2. Current address and former addresses for the last 5 years. If you have moved in the last 6 months, provide proof of address from a utility bill or phone bill. The credit bureau may not have your current address on file as yet.
  3. Social security number. This must be included to process your request.
  4. Spouse’s name
  5. State whether you have been denied credit within 60 days (include a copy of the credit denial or related details.)

You may also visit the credit bureau in person. The bureau will then require you to complete a credit report request form that contains the above information.

Others may also get a copy of your credit report. However, the Fair Credit Reporting Act provides that only businesses and individuals with a legitimate business need for the information may obtain your credit report. This includes credit card issuers, lenders, businesses with which you want credit privileges, as well as anyone with a court order or a subpoena issued in connection with a Federal grand jury inquiry, insurance companies underwriting insurance, a prospective employer or any government agency that must consider your financial responsibility in connection with the issuing of a license. It would be a violation of federal law for someone without a legitimate credit-related purpose to access your files.

There are over 1000 credit bureaus in the United States. However, most creditors will request your information from one (or all) of the three largest. If you have been denied credit, have a dispute, or just want to know what’s in your credit file, you would need to request a credit report from all three major credit bureaus. In addition, you would need to send a letter to all three major credit bureaus to feel certain that you have completely removed any obsolete information that may appear in any credit report a potential creditor may request.

Joining a credit union can help you get a better handle on your finances. Learn how to do this and more about the added local benefits of becoming a credit union member when you check out Riegelwood Credit Union.

Car Loan with No Credit

The present market activity has brought to you an opportunity to apply for a car loan also having no credit history. It is no more difficult to face the deal for you. You can have your dream car so easily and you don’t need to worry about not having any credit report as a proof of your good or in case any bad score. The most important step in this case is to open a checking account. Your regular bill payments can be counted as your credit score with your respective checking account. That will work for representing your minimum credit history. If possible before making any deal you can open a credit card account but that is not very necessary.

As you have no credit history as such it is very important to settle your payment procedure with a little higher amount of down payment. That will decrease the risk of loan and moreover you will be getting comparatively lower rates. Remember that for the reason of not having any credit history you will not get treated with good credit history rather to some extent it will seem that you have bad credit history. But don’t get confused about that; it will not hamper your purchase procedure rather if you desperately make a high down payment you will definitely gain a lower rate of interest to be paid for your obtained loan.

There are various lenders in the market. You try to make a shop around through the market and in this way you can have an idea how to deal with and how to meet low cost to buy your car. The lenders offer various types of finance packages and have a close look into that and ask for quotes from all the lenders as much as possible. That will make your dealing easier. Your no credit history will affect any more if you are able to meet the best car finance. Fix your goal with no quick approach rather try to make an evaluation of all terms and conditions you are being offered and also the charges and interest rates you have to pay. You should also have a clear idea of your monthly payment. Make a suitable judgment over that and decide whether it is affordable for you or not. Don’t forget that it is a golden chance for you to prepare good credit scores which will help you in any future dealing very actively.

After selecting the suitable and affordable deal you have to perform some paper works. Fill them accordingly and get approved for getting the loan for buying the car. In this way you can find it no more a big deal to have car finance even with no credit history. Again if you find it not suitable for your financial capacity go for refinancing which will take a few years and use the rest of the period in making regular payments for your purchased car. So don’t get late and be forward; maybe you can have your dream car within next few days and this time it will definitely make you to have a positive approach although having no credit history. 

Ready to get started on your car loan and build good credit at the same time? Do it the right way by choosing the best credit union for auto loans.


Top 10 Mistakes to Avoid When Buying a House

Here is a list of top 10 mistakes to avoid when buying a house. Most of the people will spend their biggest lifetime investment to buy a home. Taxes, Annual mortgage and insurance can cost from 25% to 40% of your gross annual earnings.

My idea of writing this article is to educate or help you, so that you can protect yourself, when you make this important decision of your life.



1. Looking for a home without being pre-approved.

Many people don’t have a clue that Pre-approval and pre-qualification are two different things. In the pre-qualification process, the loan officer asks you a few questions, then hands you a “pre-qualification” letter.

However, the pre-approval process is much more time consuming and lengthy. During this process, all work associated with obtaining the full-approval is virtually done by the mortgage company. Since there is no identified property to purchase, however, an appraisal and title search aren’t conducted.

When you’re pre-approved, you have much more negotiating terms to debate over (with the seller). The seller at this stage knows that you can close the transaction because a lender has carefully reviewed all your relevant information (income, assets, credit etc).

In some cases, being pre-approved can make the difference between buying and not buying a home. Also, when you are in a better position to negotiate, you can save thousands of dollars.

Most reputable Realtors do not prefer to show homes to people unless they are pre-approved.  They do not want to waste their, your or the seller’s time.

There are many mortgage companies that can help you become pre-approved, with minor charges.  Usually they will check your credit and verify your income and assets.

2. Making verbal (oral) agreements!

If you face a situation where an agent wants you to sign a written document, that does not state or incorrectly state your mutual (verbal) commitment, then don’t do it!  For example, if the agent verbally says that the oven will come with the home, but the contract contradicts it, then the written contract will override the verbal contract. Do remember that mostly in all cases, written contract overrides verbal contracts. When buying or selling real estate, always make sure that you get a written contract!

3. Choosing a lender because they have the lowest rate.

Not getting a written good-faith estimate.

At times, people tend to pay little or no heed to the cost of their loan and pay more attention to the rate. Always remember to Pay close attention to the APR, loan fees, discount and origination points. Some lenders include discount and .inauguration points in their quoted points. Other lenders may only quote discount points, when in fact there is a supplementary inauguration point (or portion of a point).

This difference in the way points are sometimes quoted is significant to you.  One lender will quote all points, while another lender may reveal an extra point, or part of it, at a later time–an unwanted surprise.

Usually in 3 working days after receipt of your completed loan application, your mortgage company is required to provide you with a written good-faith estimate (GFE) of closing costs. You can consider requesting a GFE from a few lenders before forwarding your application.  With a few GFEs to compare, you can get a feel for which lenders are more detailed, and you can teach yourself about the costs related with your transaction.  The GFE with the highest costs may not point out that a particular lender is more expensive than another. However, they may be more thorough in itemizing all fees.

The cost of the mortgage, however, shouldn’t be your only standard of judgment. There is no alternative to a family / friends advice or referral for interviewing potential mortgage companies. You must also feel hassle-free that the loan officer you are dealing with is dedicated to your interests and will deliver what is promised.

4. Choosing a lender because they are recommended by your Realtor.

Always remember that Realtor is not financial experts. He/She may not know which loan is best for you. Your Realtor gets a commission only when your deal closes. Realtor referrals may not be the best option, because Realtor may refer you to one of their friends in the loan business, who also may not have the best rates or fees.

Although mostly, Realtors are professional and concerned about your best interests, you should have complete knowledge of the market.

I would recommend that you should do a survey for a loan with at least three mortgage companies before you take your decision. There are consumers who have often been very casual and who ended up paying far more than what they could have, or got a loan that wasn’t right for them, because they blindly followed their Realtor’s advice.

For secure and convenient loan options, you can visit Riegelwood Credit Union.

5. Not getting a rate lock in writing.

Always ask for a written statement detailing the interest rate from your mortgage company. The length of the rate lock, and other particulars about the program should also be clearly mentioned..

6. Using a dual agent (an agent who represents the buyer and seller in the same transaction).

Both Sellers and Buyers have opposing interests. Both want the best price (buying and selling). In most situations, dual agents cannot be fair to both buyer and seller. Usually, the seller pays the commission, so the dual agent may negotiate harder for the seller (than for the buyer). Therefore, If you are a buyer, it is advisable to get your own agent to represent you.

7. Buying a home without professional inspections. Taking the seller’s word that repairs have been made.

It is highly recommended that you should get everything inspected, before you make any final dealing. Unless of course if you’re buying a new home with warranties on most equipment. Check the Inspection reports for the property, if available. These reports will give you a better picture of what you’re buying. Inspection reports are great negotiating tools when it comes to asking the seller to make repairs. If any repair work is required, you will have a better ground to negotiate your terms.

8. Not shopping for home insurance until you are ready to close.

Start looking for insurance as soon as you have an accepted offer.  Many buyers wait until the last minute to get insurance and find they have no time left to shop around.

9. Signing documents without reading them.

Not Reading Documentation properly can cause you a lot of trouble.  Read and review the documentation that you’re supposed to sign (in order to close the deal), including a copy of all loan documents.  You can review them and get your questions answered in a proper manner. Concentrate on reading only the important/related documents because you won’t have a lot of time to do so.

10. Making moving plans that don’t work.

Here is a scenario, which you have to watch out for. You expect to move out of your current residence to a new residence on Friday (over the weekend).  Also on Friday, your lease terminates and the movers are scheduled to appear.

Friday morning arrives: everything packed and set; you’re ready to move and sitting on your front door, awaiting the arrival of new tenants and then you get a call. Stating that your loan closing is delayed until  Tuesday.  The new tenants also arrive at the same time.

In order to avoid such a disaster, you should cancel your lease and ask the new tenants to show up after a week or so, after you expect closing of your transaction.  Consider the extra expense of an insurance policy to get a peace of mind–and protecting yourself from tougher, much more expensive delays.


Finding an Acupuncture Therapist

When one thinks of acupuncture therapy, there are many types of images that may come into one’s head. For example, ancient Chinese concoctions are just some of the notions and preconceived ideas that many people have about receiving help from an acupuncturist. However, it has already been proven that acupuncture does help and there are many people outside of the eastern Chinese culture that are advocating for the more widespread use of acupuncture in everyday medicine. Indeed, there is a lot to learn from the ancient technique that we call acupuncture, but there are also many ways to go about learning about it, too.

One way that a person is able to learn more about acupuncture is through the information that one can gain through his or her own acupuncture therapist. There are thousands of acupuncture therapists that now exist in the United States because of the great benefits that this alternative therapy can provide. In addition, many people seek out treatment even though they may be hesitant about trying it. Whatever the case, acupuncture therapists are a great way to learn more about the technique that is used.

If you are having trouble finding an acupuncture therapist, though, there are some definite ways in which a person can successfully find an acupuncturist. For starters, there are plenty of Chamber of Commerce institutions throughout cities all across America that deal with every city organization and business within the city or town that they are located in. However, if you don’t want to go through the Chamber of Commerce then there are naturally a variety of other ways that acupuncture therapists can be found.

Universities and Colleges

Another way to seek out the help of a professional acupuncture therapist is to find one teaching inside an academic setting like a college or university. Just as there are doctors that also teach within medical schools, so too are there acupuncture therapists that teach in academic settings. Of course, if the college or university you are looking at does not have any acupuncture courses then chances are that there will be no one inside the school to have these kinds of resources available. On the other hand, if there is a course labeled “Alternative Therapy,” then there is a very good chance that the professor in that course either is an acupuncture therapist himself, or can easily connect you with an acupuncture professional.

Massage Therapist Businesses

One type of business that may just be able to help with finding an acupuncture therapist are massage therapy organizations and businesses. The main reason this is so, though, is because many massage therapy businesses actually use acupuncture therapy along with the massages that are done. In fact, massage therapy is a great complement to acupuncture therapy, so there very well may be an acupuncture professional in the building.

All in all, these are great ways to go about finding an acupuncture therapist. If you have never had the chance to meet this kind of a therapist then chances are that you don’t already know where to find one. But if you use one of these resources here then chances are great that an acupuncturist is right around the corner!

If you want less pain, more energy, better sleep, better digestion & better immune function, naturally, then visit AB Acupuncture to cure the pains that you’re encountering.


Dementia Apps

“There’s an app for that!”–even when it comes to helping people with dementia.  Dementia apps are not necessarily a genre. The apps were not developed specifically as dementia apps. Those are just everyday apps that happen to work well for those who live with Alzheimer’s or other dementias.  Since staying engaged is critical, employing any appropriate apps for persons with dementia can be a truly beneficial care technique.

Dementia Apps Not Designed Just for Dementia

The “Five Good Apps for Dementia Sufferers” list has some lesser-known suggestions, but coming in at number one is the hugely popular YouTube.  YouTube offers videos in every category imaginable.  Perhaps the person with dementia has always loved sports. Or perhaps he is someone who has a soft spot for animals.  Either way, there is something there for him to love. An elderly baseball fan might enjoy images of the ballparks of yesterday. He could even view old footage from opening day 1918!  An animal lover who connects with little else may be charmed by the nearly innumerable YouTube cat videos.  Those videos are calming and comforting if they remind someone of the tabby who was for years an integral part of his life.

YouTube also offers a wide spectrum of music videos. Even when spoken communication falters, lyrics and poetry and music can remain powerful and emotional to a person with dementia.  When YouTube or other avenues offer music that rekindles connection, they become wonderfully beneficial dementia apps.

Specific Dementia Apps

There are, of course, a great many dementia apps available for caregivers and clinicians, such as Home Instead’s own free Daily Companion app.  But it is encouraging and empowering that there are also apps for dementia sufferers themselves.  These apps are designed specifically for people living with the challenges of dementia.  The apps are both simple and useful. One app called “It’s Done!” allows the user to check off tasks as they are completed.  That is a real comfort for those with short-term memory loss who may not remember turning off the stove or taking a medication or feeding a pet.  It offers much-needed practical help. The app can even text caregivers or family with information.

Are there dementia apps that are a good fit for your loved one?  Yes!  Search the app store for possibilities. The catalog of apps is always changing.  Hope springs eternal, and so, almost, does the variety of apps available.

If your loved ones are having hard times doing daily necessities like showering, the easy-to-use showers offered by Fawssit will make it a bit easier as it’s portable and doesn’t need an installation, it comes as a whole unit and can be placed somewhere which is comfortable for your love

Bulbs and Plants of the World – Growing Lilies from Seed

Lilium can be grown from seed. This is the most satisfactory way to build up a collection quickly. Seed from the species will come true to type; but there can be some variation within the hybrids. Hybrids are doubtful to produce flowers which look like the relative plant, and most likely there will be some variation such as colour, height or even form.
Recently, I have had the opportunity to get some Lilium seed from two sources.
The first is the New Zealand Lily Society and then also the Victorian Lily and Bulb Group, which is an aftermath of the old Australian Lilium Society. This was a wonderful Society of which I was a member for a few years, before I took ill. Unfortunately they no longer exist, which is sad, as their Monthly Bulletin/Newsletters were always full of useful and interesting tips from some of the best Lilium growers in Australia.
It is always a pity to see good organisations go down but the Victorian Group has continued to maintain monthly events and so in December I am off to have a look at their Lilium show, which is being held at a member’s home.
In the meantime I experimented with different ways to get seed to germinate. Their has been some discussion on the Lily Site about germination and although I have successfully used the “Flotation” method with other species through the years, I had never sown Lilium in anything other than potting mix. I set about using a few different methods and mediums which included:
Peat Moss
This method was very successful and the seeds, roots and leaves were very easy to see and extract.
This method was also successful but I found that it was possible for the roots to get entangled in the moss and it was difficult to extract them without breaking. If using Sphagnum, make sure it is chopped up very finely.
Water (flotation) This is an excellent method to use. Some of the seed may not germinate and some may even develop a fungus growth. It is easy to see this and remove any seed not wanted.
Wet paper
This was also an interesting way to germinate the Lily seed. It is important not to let the paper get dry and there is the chance that the root might grow into the paper. It is very important that you do not break the growing roots as you inspect or remove the seed.
Under Wet paper.
This was similar to above and gave the same results. The paper was stained with brown colour after a few days which had leached out of the seed coating because of the water. It may be that the coating is a germination inhibitor and that soaking removes this possibility. This is only a personal comment;some types of seed do need soaking before germination but I doubt that this is the case with Lilium.
Potting mix.
This is by far the easiest method to use, especially with Trumpets, Aurelians and Asiatics, as they germinate very easily. With the delayed hypogeal species like Orientals and Martagons, it may be best to start them in some type of medium like peat or sphagnum moss.
Although all methods did work, the conclusion is that potting mix is the favourable way, because eventually they will have to grow on in potting mix anyway.
The exception to the rule would possibly be the Martagon species and the harder species which are slow. With these methods, you can actually watch their progress as they grow. To show this, included is a photo of a Martagon seed that germinated on wet paper within 4 weeks and it has developed a nice little bulb.
With the peat moss and sphagnum moss, moisten it and then squeeze out the excess water and put about a cupful in a zip lock bag. Then add a small quantity of seed to each bag and seal them; mine were then stored inside in my seed room, on shelves.
They were checked regularly until most had germinated, then transferred to normal pots. I have read that it is better to keep the bags slightly open but my experience was that it really doesn’t matter. The only seeds I haven’t potted on are the Martagons, which I will continue in the moss to watch the bulbs increase in size. It is also recommended that the Martagons be given a cold spell of 12 weeks in the fridge to help maintain their growing pattern. After they have developed a nice little bulb, it is best to give them a small amount of Liquid fertiliser to help them grow on. Lilium seeds are divided into two groups, generally referred to as slow or quick germinating (hypogeal and epigeal, respectively). Slow germinating seeds require a warm period to make them germinate (summer), a cold rest period (winter), then another warm period to initiate them into leaf production (spring). It could take eighteen months or more before the first tiny leaf is produced. It is probable that this will be the only leaf produced in that season, so it should be carefully protected, as it will be helping to develop the first tiny bulb.
Quick germinating varieties on the other hand, send up a narrow seed leaf [cotyledon) immediately after germination, at the bottom of which the tiny bulb develops. This should take only three to six weeks in spring time, and true leaves will follow fairly quickly.
And then, of course, we could use Tissue Culture or Scaling to increase our stock of plants. We will leave this to discuss another time.
I hope you learned something new from this article. If you need yard maintenance, check out Portland Tree Trimming services.

Italian pizza meats for an authentic Italian pizza

Nothing makes a pizza more Italian than authentic Italian meats. Since tomatoes and mozzarella are a given, it’s meat pizza toppings like pancetta and prosciutto that can really boost the flavor of an Italian-style pizza.


Not long ago, it wasn’t that easy to find these products. But these days, many grocery stores like Fresh and Easy and Trader Joe’s carry them. So you can make a delicious Italian pizza right at home.

Pancetta, which is often referred to as Italian bacon, is pork belly that has been spiced, salt-cured, and dried for several months. But unlike American bacon, it’s not smoked. In Italy, it’s often rolled and then thinly sliced. In the United States and Britain, it’s often sold diced.


Because pancetta is salty, it’s especially delicious when combined with sweet pizza toppings. Try it with ripe pear or butternut squash.


Prosciutto is uncooked Italian ham. It’s also cured with salt and aged. Some prosciutto has the Protected Designation of Origin (PDO) which dictates how it is produced and what ingredients can be used.


The most famous is the Prosciutto di Parma. The pigs here are fed whey leftover from making Parmigiano-Reggiano cheese, which gives the prosciutto a slightly nutty flavor. If you travel around Italy, you’ll notice that each region’s prosciutto has a distinctive taste.


Usually, a pork leg is covered with sea salt and left to cure for a couple of months in a cool place. After that, it’s washed and left to dry. Once it’s dry, it’s hung for up to two years in a well-ventilated place.


In Italy, it’s called prosciutto crudo or “raw ham” because it’s not cooked. It’s often eaten as an appetizer with melon, breadsticks, asparagus, or fresh mozzarella. Or used in pasta dishes with peas and a cream sauce. Saltimbocca, which is veal topped with prosciutto, sage, and cheese, is one of Rome’s best-loved dishes.


Prosciutto is one of the pizza toppings on a Pizza Capricciosa, which also has mushrooms, artichokes, and olives. It’s also excellent with nutty cheeses like Fontina and Gruyere.


Less well known outside Italy, guanciale is unsmoked Italian bacon made from pork jowls or cheeks. To make it, the pork is rinsed in wine, seasoned and left to marinate for over a month. Like prosciutto, it’s left to dry, but unlike prosciutto, it’s meant to be cooked.


There aren’t many places outside of Rome that sell guanciale, but if you have a good Italian butcher, you can ask. You can also order it online. If you have guanciale, render it in a pan before using it as a pizza topping, and the save the drippings and make something fabulous with them. It’s extremely high in fat, but since even a small amount adds a tremendous amount of flavor, it won’t bust your diet completely.


You can also make your own if you have access to pork jowls and are willing to wait three weeks. Or you can check out the pizzas at BC Pizza. You won’t be disappointed!


Its rich, pork flavor is the cornerstone of dishes like Spaghetti alla Carbonara and Bucatini all’Amatriciana, though pancetta is often substituted.


From Management to Leadership: Creating More Effective Paradigms

“Leadership is changing. How it is being defined and the ways in which it is being taught are being influenced by a number of variables that collectively influence our understanding. We are between two paradigms: one is a portrait of the past and the other, a glimpse of our future.”

–Katherine Tyler Scott in Creating Caring and Capable Boards

Katherine Tyler Scott, Executive Director of Trustee Leadership Development, based in Indianapolis, IN, is not intimidated to be a bridge between the paradigms of the past and future, the old and the new, the managerial and the leadership-oriented.

Being a bridge between paradigms is not for the timid, but Trustee Leadership Development’s approach creatively and logically addresses the complex issues involved. Leaders from all types of organizations are facing the challenges of changing conditions, and can benefit from the experiences of Tyler Scott and Trustee Leadership Development.

Leader Guide MagazineTM will select and interview for each month’s new issue an innovative leader who meets our criteria of displaying ethical, effective actions which further the goal of better leadership. Below are excerpts of the May Leader In Action interview of Tyler Scott by Leader Guide MagazineTM editor Linda Hatcher:

  1. You note in your book Creating Caring and Capable Boards the shift from the Scientific Age old leadership paradigm to the Relationship Age New Leadership. These are significant shifts. What are the real day-to-day realities that these shifts imply in the workplace?
  2. We are experiencing a restructuring of positions of management and leadership in ways that enable people to have more autonomy and control over decision-making. The expectations have shifted so that employees are expected to make sense of the data they have and to be able to apply their analyses and understanding onsite in situations. Completing work is no longer a result of command and control style of leadership, but rather one of collaboration and cooperation. The leader achieves the organization’s goals through the evocation of other individuals’ particular gifts and skills.

Employees are no longer willing to leave huge pieces of themselves at home or tucked away in their cubicles or office. They want to be whole human beings engaged in a worthwhile and common enterprise that can meaningfully involve them and fairly compensate them.

I just heard from a friend whose daughter’s place of work provides time for employees to eat breakfast together, and to have a time for tea in the afternoon. I think employers are understanding that their primary resource is human capital and by investing in it they will have greater returns. When you are treated with dignity and respect, and are given the resources and support necessary to do your job, then meeting high expectations feels like a privilege, not a burden.

  1. What will it take to support the positive possibilities of this shift in paradigms in moving it from vision to reality?
  2. Depth education and the inner work of leaders. Both of the paradigms I write about exist, and both have value and can be appropriate depending on the particular situation or set of circumstances. The leader’s responsibility is to educate and help others discern what to do, and establish structures and processes to accomplish the work. This requires managing the tension between paradigms. Those who can do this most effectively have developed the capacity to handle their own anxieties and that of those they are leading through change.
  3. Your work has been with trustees of non-profit organizations to move them from a management mindset to the New Leadership. However, as you note in your book, people first go to proven skills, i.e., management style. What has been your approach in shifting people to the New Leadership paradigm?
  4. The goal is to help those in governance roles expand their role and responsibilities to include leadership, not to exclude management. Management skills are important, yet insufficient.
  5. What has been the reaction of leaders you’ve worked with to change, particularly when, as you state in your book, a tremendous commitment of time and intellectual engagement is required for successful and positive shifts in leadership?
  6. We get three kinds of reactions: one reaction is a disbelief or denial manifested in initial resistance, but once they see the benefits, this lessens. Another is wariness accompanied by a desire to risk something new because what they’ve tried for so many years didn’t bring about long-term change. A third reaction is understanding the need for a new way to educate board members and a willingness to try this process, because it is what has been missing.

All are surprised at how much effort this requires, but in my opinion, this saves what I call “negative time”–time spent undoing or redoing things.

  1. What implications have you seen or do you foresee in the corporate world for the significant leadership paradigm shifts you have identified?
  2. The business community is already aware of this shift and beginning to address the implications. Jay Conger’s book Spirit at Work is a good example of some of the ways these ideas have penetrated work cultures. People are seeking humane and productive work places and they believe that they deserve to have both.

One hope I have is that corporations will introduce all of their employees to the concept of trusteeship and intentionally prepare leaders who understand their responsibility to their company and to the community. There is much that an organization can do to help develop employees who can create and maintain a culture of leadership in which they feel empowered to act on behalf of the community.

See related stories this issue: PLANT the Seeds of Leadership Change, an overview of the process Tyler Scott and Trustee Leadership Development use to teach specific ways for organizations to better respond to rapid change and complex transitions, and A Shift in Paradigms: The Context for the New Leadership, an excerpt from Tyler Scott’s book. For more information on the work of Tyler Scott and Trustee Leadership Development, visit their website at

If you want a great speaker for inspiration, business or leadership development, check out Richard Jadick.

Treating for weeds in a lawn

June is coming and it’s normally a great month to treat common broadleaf weeds in a lawn for several reasons.  First, June weather is generally ideal for attacking the weeds because soil temperatures should be above 50⁰F and your target weed must be actively growing in order to metabolize the product used to treat the weeds. There are weed control products for the common weeds we all know, such as clover, dandelions, violets, hawkweed, and lots of other equally pesky but lesser known varieties.  A lawn does have a more refined and clean look without weeds, however, there is a growing population that is much more tolerant of our weedy friends than in past history.  Reducing most weeds in your lawn must be a conscious, proactive effort in terms of timing and materials used. Broadleaf weeds can be categorized into a range from easy to difficult to reduce.  Easy to control weeds include dandelions while those hard to control include ground ivy. Ground ivy has a thick, waxy covering on the leaves and its viney nature puts it on the top 10 most difficult to reduce list.

Have no fear, with the right products and a good plan of attack, even a lawn infested with ground ivy can see a 75% reduction in a single growing season with an aggressive spray routine.  You can also seek help with tree trimming service. Targeting dandelions in the spring and fall tends to yield acceptable results because this plant is generally easy to control, especially during prime growing weather in the spring and fall.  Control measures can range from dry or granular coated products to area treatment in liquid formulation, all the way to a complete liquid spray blended with other products or alone. Generally speaking, granular products are slower to control weeds and cause a slow disappearance of clover.  These types of treatments have a contact and root uptake mode-of-action in order to reduce dandelions in your lawn. Granular broadleaf weed control products are more gentle on your lawn providing a lighter touch. If you watch your patches of clover for days, you will be disappointed and will not see the kind of “knock down” achieved by liquid sprays of a similar or same material.  When liquid weed sprays are combined with a sticker agent, this causes the product to adhere to the weed leaf surface and to be taken up by the root system once rainfall or irrigation arrives. Because a liquid spray is soluble, you see faster evidence of the treatment often visible within days as leaves twisting, tanning edges, browning and other signs of imminent demise.

Organic weed control is also available and does a wonderful job controlling easy to knock down weeds and the bad boys such as violets and ground ivy.  Organic weed control will also reduce moss in your lawn; preparing it for future seeding. 


Traditional Recipes

Today we bring you a list of traditional recipes for fans of cider.


Waldensian Spritzer – Mix equal parts Sparkling Cider and Waldensian Wine over ice.


Lee’s Traveler – Fill a 6 oz. glass with 1.5 oz. vodka. Add crushed ice and fill glass with Sparkling Apple Cider or Sparkling Scuppernong. Garnish with a slice of apple.


Apple Pie Eyed – Pour 1.5 oz tequila in a highball glass. Add ice and fill with a good cider – if you’re near South Carolina, try adding Carolina Cider’s cider. Garnish with a lemon peel.


Stone Wall Jackson – Pour 1.5 oz of bourbon into a tall glass with ice. Fill with Sparkling Apple Cider.


Hot Pippin – In a saucepan, heat 2 bottles of Sparkling Apple Cider to just boiling. Remove from heat. Add 2.5 cups of dark rum. Ladle into mugs. Add a teaspoon of butter, a cinnamon stick and a whole clove to each. Serve at once. Makes 10 servings.


Virgin Pippin – For a hot non-alcoholic treat just heat Sparkling Mulled Apple Cider and garnish with a cinnamon stick and whole clove for added flavor.


Red Delicious Punch – Pour 2 bottles of Sparkling Apple Cider into a punch bowl. Mix in a quart of cranberry juice. Float a frozen ice ring and garnish with sprigs of fresh mint.


Bruised Apple Punch – Use the above recipe for Red Delicious Punch and add a quart of light rum.