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You can imagine his elation when he found we had three nests created and being filled up against the foundations of our house. So far the ducks have stayed off our patio, but I am not sure I could run them off if they appeared there. As I told the grandchildren, if we bother Grandpa''s mama ducks, we might end up in Mexico with King.Keith, my husband''s brother, is the family poultry specialist. He arrived at Swallow Lake with a laughing apology: "I know you said not to bring a housewarming gift." Then he explained he had already promised to bring Gerald this gift of six ducks for our little lake.

Speaking of timber, it is smart to have some timber exposure in your portfolio and I have had timber REIT Plum Creek Timber (PCL) in our core portfolio for over two years. Here is why I like it. First, timber is a great inflation hedge and over the past 100 years has risen 3% above the average annual inflation rate. Secondly, timber is not correlated to stocks or bonds and thus is a great “shock absorber” to cushion your portfolio when shares are declining. During the 1970s bear market, timber rose in value while stocks went down. Thirdly, from 1973-2000 timber yielded an average annual return of 15%. Last but not least, timber valuations are attractive after some declines during 2000-2002 especially relative to real estate prices. During 2004 Plum Creek was up 23% and this year it has traded between $34 and $39 finishing last week just over $35 with an attractive dividend yield of 4.3%.

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