The Institute of Risk Management has a free paper to download.

8230; making your garden the best it can be! June 1, 2013. Spring is finally here! I have not much to say except that I am thoroughly enjoying my gardens. Everything has greened up nicely, deciduous trees and shrubs are fully leafed out, and early perennials are in bloom. I am especially enjoying the beauty of an array of yellow irises and purple salvia. Not only does the greenery of garden plantings, subtle color of blooming perennials, and added detail of stone make this gard.

8230;word of the Lord for today. This blog is about the prophetic word, so an explanation of what prophetic word is, is in order, but so is an explanation of why I think I can hear the word of the Lord spoken to me. For those of you who are Christians, the explanation is easy, however, for those reading this who are unfamiliar with the stance of a Christian, a little more complicated to define. But God the creator chooses not to be distant from His creation. He wants to have fell.