Showing posts with label Bus Econ History. Show all posts
Showing posts with label Bus Econ History. Show all posts

Thursday, January 1, 2015

Carroll Gardens was once an important part of the history of the business of agriculture in Carroll County

March 1994 Carroll Gardens perennial mail-order catalogue

Carroll Gardens 444 East Main Street, Westminster, Carroll County Maryland 21157

Labels and keywords: plants, horticulture, perennials, mail-order catalogue, Carroll County, Westminster, Maryland, agriculture, history


I recently came across a box of old plant catalogues, invoices and papers from the years I made a living as a nursery stock farmer, 1974 to 1999. I raised perennials, shrubs and trees. To further make ends meet, I also did landscape design and contracting and property management. It kept me very busy for 25 years. I’ve now been retired from farming for over fifteen years and I still miss it.

I worked for Pasquale Donofrio at Carroll Gardens in the late 1960s. I loved working there.

I also enjoyed working with Alan Summers beginning in 1984, when he purchased the business. It was great to take my landscape design customers there to pick out plants. Mr. Summers was a wealth of knowledge and worked tirelessly to make Carroll Gardens weather the changes in the market and the economy.

The plant mail-order business that Carroll Gardens did so well, was a natural outgrowth of the mercantilist economy that made Carroll County Maryland an agricultural and economic powerhouse for over a hundred years after the American Civil War in the early 1860s.

The unfinished goods were brought to Westminster and Carroll County and exchanged for finished goods. This resulted in accumulated capital that was leveraged into public infrastructure, factories plant and equipment, manufacturing, agri-business and a great quality of life for Carroll County citizens.

The mail-order plant business was a great economic model that we see today repeated in the internet – on an even more global scale. Carroll Gardens did it well.

I retired as a nursery stock farmer– perennial grower in 1994. Changes in the business compressed profit margins and the increases in doing business and difficulties in the regulatory climate, especially in Maryland, simply made it too difficult to continue. Or at least, I was certainly not smart enough to adapt.

Carroll Gardens was once an important part of the history of the business of agriculture in Carroll County - that will no doubt fade into history and it makes me sad...


Economy blights a beloved garden center

Debt, poor sales forcing owner to close Carroll Gardens at end of this month

By Susan Reimer Baltimore Sun reporter

June 2, 2009

Carroll Gardens, a quaint and slightly ragged cinder-block garden center at the end of a dirt road in Westminster, is closing at the end of this month after having been a resource for gardeners since the 1930s.

Alan Summers, who has owned Carroll Gardens since 1984 and hosted a garden talk show on WCBM-AM for nearly as long, announced his decision Saturday on the show, stunning customers and disappointing longtime employees who had hoped against hope for a reprieve….

No hyperlink to this story is readily available…

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Carroll Gardens to Suspend Business

Effective June 30th, 2009, Carroll Gardens will suspend accepting orders for shipment. Our store in Westminster is also scheduled to close on that date. The Saturday morning call-in radio show, which we have provided for the last 20 years, will continue for the foreseeable future. (The Garden Club; WCBM-680AM; 7-8 a.m. Saturday Morning)

To satisfy our creditors, we must raise cash. Our loss is your gain! All products and plants on CarrollGardens.com and in the store are being sold at 25% off, subject to availability and first come first served. If you have gift certificates or credits, please use them now. Your credit card will not be charged until your order is shipped and there can be no backorders.

If Carroll Gardens can resolve its financial problems, we will resume business. We have the potential of an investor which may allow Carroll Gardens to continue. There is one last thing that we are requesting of you. If Carroll Gardens returns, I would like it to be better than it is now. Please send me a brief email describing what Carroll Gardens means to you and what you will miss without Carroll Gardens. (Please send emails to info@carrollgardens.com.)

Carroll Gardens was founded more than 75 years ago as a mail-order company. Through these years, it has been our pleasure to serve you and we truly regret having to suspend business.

Alan L. Summers

President
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Kevin Dayhoff is an artist - and a columnist for:

Twitter: https://twitter.com/kevindayhoffTwitpic: http://twitpic.com/photos/kevindayhoff
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My http://www.explorecarroll.com/ columns appear in the copy of the Baltimore Sunday Sun that is distributed in Carroll County: https://subscribe.baltsun.com/Circulation/
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Saturday, July 6, 2013

Today, on July 6, 2000, the College Square New Windsor State Bank branch opened in Westminster Maryland

It was today, on July 6th, 2000, that the much anticipated and awaited new-New Windsor State Bank branch opened at the College Square Shopping Center at 444 WMC Drive, Westminster, MD 21158.

The opening that day was done with great style…

Go to http://www.newwindsorbank.com/ for more information on this great local hometown bank – just saying.

[20000706 NWSB College Sq opening]


Community Banking, Carroll County, Westminster, New Windsor State Bank, history, banking, McDaniel College

http://kevindayhoffwestgov-net.blogspot.com/2013/07/today-on-july-6-2000-college-square-new.html




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Kevin Dayhoff is an artist - and a columnist for:

Twitter: https://twitter.com/kevindayhoffTwitpic: http://twitpic.com/photos/kevindayhoff
Kevin Dayhoff's The New Bedford Herald: http://kbetrue.livejournal.com/ = www.newbedfordherald.net

Tumblr: Kevin Dayhoff Banana Stems www.kevindayhoff.tumblr.com/
Smurfs: http://babylonfluckjudd.blogspot.com/
Google profile: https://profiles.google.com/kevindayhoff/

E-mail: kevindayhoff(at)gmail.com
My http://www.explorecarroll.com/ columns appear in the copy of the Baltimore Sunday Sun that is distributed in Carroll County: https://subscribe.baltsun.com/Circulation/
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Sunday, March 13, 2011

DAYHOFF: Facing issues of the day, here's an ode to a little pain reliever



DAYHOFF: Facing issues of the day, here's an ode to a little pain reliever

http://www.explorecarroll.com/opinion/5244/facing-issues-day-heres-ode-little-pain-reliever/

@explorecarroll it was 112 yrs ago last Sun that aspirin 1 of the most widely used drugs in world was patented http://tinyurl.com/4vqxu89

Explore Carroll: DAYHOFF: Facing issues of the day, here's an ode to a little pain reliever http://t.co/IerBQoT via @Digg

DAYHOFF: Facing issues of the day, here's an ode to a little pain reliever

EAGLE ARCHIVE By Kevin Dayhoff Posted 3/13/11

It seems to be cold, flu and sinus season, compounded these days by state and local governments wrangling with budgets, controversial legislation, tax revenue declines and concerns about unemployment and the economy.

With all that in mind, I'm reminded that it was 112 years ago last Sunday that aspirin, one of the most widely used drugs in the world, was patented.

Actually, origins of this medicine, found in most everyone's medicine cabinet -- including our current Board of County Commissioners, I'd wager -- dates back to the beginnings of written history.

In an age when wonder drugs are being formulated in laboratories throughout the world, chances are you may not be aware the active ingredients of aspirin -- acetylsalicylic acid -- were originally discovered as a plant extract from willow and poplar trees, and the shrub spirea.

Ancient Sumerians and Egyptians used the plant extract as a remedy for pain, fever and inflammation.

The first modern-day clinical trial for aspirin was reported by… http://www.explorecarroll.com/opinion/5244/facing-issues-day-heres-ode-little-pain-reliever/

[20110313 SCE Facing issues of the day aspirin sceked]  http://kevindayhoff.blogspot.com/2011/03/dayhoff-facing-issues-of-day-heres-ode.html

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Monday, December 6, 2010

December 7, 1923: Woodbine National Bank - Important Case Decided By The Court Of Appeals

Important Case Decided By The Court Of Appeals

The Court of Appeals of Maryland decided on December 6, 1923, the case of James R. Weer against the Woodbine National Bank, at Woodbine, Carroll County, in favor of the Woodbine Bank, and sustaining the judgment of the Circuit Court for Carroll County against James R. Weer.

Mr. Weer had a safe deposit box in the vault of the Woodbine Bank, which he rented to keep his securities in and yeggmen one night some time ago entered the Bank, and cut a way through the vault doors with an acetylene torch, broke open the safe deposit boxes, and stole the bonds of Mr. Weer and other renters.

Mr. Weer sued the Bank, alleging negligence because the Bank did not have a burglar alarm system, a watchman, insurance of the contents of its safety boxes, and sufficiently thick doors to the vault.

The Circuit Court for Carroll County held that there was no negligence, under all the circumstances, on the part of the Bank and its officials, and by direction of the Court the jury found for the Bank; and this position of the Carroll County Court has been affirmed by the Court of Appeals. The case is important because it determines a number of other claims depending on this suit.

Democratic Advocate, December 7, 1923.

19231207 Important Case Decided By The Court Of Appeals

19231207 Important Case Decided By The Court Of Appeals http://kevindayhoff.blogspot.com/2010/12/december-7-1923-woodbine-national-bank.html



Labels: , , , , , 
History 1920s, History 1920s Carroll Co, Bus Banking Carroll Co, Business Banking, Bus Econ History, Judiciary Carroll County, 
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Kevin Dayhoff Soundtrack: http://www.kevindayhoff.net/ Kevin Dayhoff Art: http://www.kevindayhoffart.com/
My http://www.explorecarroll.com/ columns appear in the copy of the Baltimore Sunday Sun that is distributed in Carroll County: https://subscribe.baltsun.com/Circulation/

Wednesday, April 15, 2009

The Panic of 1825 by Brad DeLong This Week

The Panic of 1825 by Brad DeLong This Week

This Week Wednesday, April 15, 2009

The Panic of 1825

If you’re not satisfied with Paul Krugman or Nouriel Roubini as your guide to the current turmoil, you can always rely on E.M. Forster. It was Forster who grasped the essential drawback of the Internet long before anyone else, depicting, in his 1909 story "The Machine Stops" a world in which individuals communicate in isolation via machine. It turns out he’s pretty good on 21st-century financial crises, too, mostly because the underlying processes remain so similar to those of a financial crisis he studied. Only the scale has changed.

Forster’s great-aunt Marianne Thornton helped raise him after his father's death, leaving him 8,000 pounds upon her death, when Forster was 8. That legacy gave him the financial cushion to become a writer. So he wrote Marianne Thornton: A Domestic Biography 1797-1887, stringing her voluminous letters together with scene-setting prose. As it happens, the fortunes of the Thornton family turn on history’s first episode of successful central banking: the Bank of England's intervention in the 1825 financial crisis.


This is fascinating – read the entire piece here: The Panic of 1825 by Brad DeLong

20090415 The Panic of 1825 by Brad DeLong This Week

This Week Wednesday, April 15, 2009

http://www.theweek.com/article/index/95385/The_Panic_of_1825
http://www.theweek.com/home
Kevin Dayhoff www.kevindayhoff.net http://kevindayhoff.blogspot.com/
Kevin Dayhoff: www.westgov.net Westminster Maryland Online www.westminstermarylandonline.net http://kevindayhoffwestgov-net.blogspot.com/

Monday, March 9, 2009

New York Times – Sept. 30, 1999: Fannie Mae Eases Credit To Aid Mortgage Lending


The New York Times – September 30, 1999: Fannie Mae Eases Credit To Aid Mortgage Lending
Hat Tip: Analog

Fannie Mae Eases Credit To Aid Mortgage Lending

By STEVEN A. HOLMES

Published: September 30, 1999

In a move that could help increase home ownership rates among minorities and low-income consumers, the Fannie Mae Corporation is easing the credit requirements on loans that it will purchase from banks and other lenders.

[…]

Fannie Mae, the nation's biggest underwriter of home mortgages, has been under increasing pressure from the Clinton Administration to expand mortgage loans among low and moderate income people and felt pressure from stock holders to maintain its phenomenal growth in profits.

In addition, banks, thrift institutions and mortgage companies have been pressing Fannie Mae to help them make more loans to so-called subprime borrowers. These borrowers whose incomes, credit ratings and savings are not good enough to qualify for conventional loans, can only get loans from finance companies that charge much higher interest rates -- anywhere from three to four percentage points higher than conventional loans.

''Fannie Mae has expanded home ownership for millions of families in the 1990's by reducing down payment requirements,'' said Franklin D. Raines, Fannie Mae's chairman and chief executive officer. ''Yet there remain too many borrowers whose credit is just a notch below what our underwriting has required who have been relegated to paying significantly higher mortgage rates in the so-called subprime market.''

[…]

In moving, even tentatively, into this new area of lending, Fannie Mae is taking on significantly more risk, which may not pose any difficulties during flush economic times. But the government-subsidized corporation may run into trouble in an economic downturn, prompting a government rescue similar to that of the savings and loan industry in the 1980's.

''From the perspective of many people, including me, this is another thrift industry growing up around us,'' said Peter Wallison a resident fellow at the American Enterprise Institute. ''If they fail, the government will have to step up and bail them out the way it stepped up and bailed out the thrift industry.''


Read the entire article here: Fannie Mae Eases Credit To Aid Mortgage Lending

19990930 NYT Fannie Mae Eases Credit To Aid Mortgage Lending

http://tinyurl.com/6p5d9j

http://query.nytimes.com/gst/fullpage.html?res=9c0de7db153ef933a0575ac0a96f958260&sec=&spon=&pagewanted=2
Kevin Dayhoff www.kevindayhoff.net http://kevindayhoff.blogspot.com/
Kevin Dayhoff: www.westgov.net Westminster Maryland Online www.westminstermarylandonline.net http://kevindayhoffwestgov-net.blogspot.com/