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Many tree problems are associated with the following:

Troubles in the Rhizosphere
http://www.treedictionary.com/DICT2003/shigo/RHIZO.html

Unhealthy Trees from the Nursery / Improper Planting
http://home.ccil.org/~treeman/sub1.html and
Look up "Tree Planting"
http://www.treedictionary.com/DICT2003/shigo/RHIZO.html

Improper Mulching - http://home.ccil.org/~treeman/sub3.html and
http://www.treedictionary.com/DICT2003/M/index.html Look up "Mulch"

Improper Pruning
http://www.treedictionary.com/DICT2003/tree_pruning/

Improper Fertilization (See A Touch of Chemistry)
http://www.treedictionary.com/DICT2003/shigo/CHEM.html

Sincerely,
John A. Keslick, Jr.
Arborist
http://home.ccil.org/~treeman
and www.treedictionary.com
Beware of so-called tree experts who do not understand tree biology.
Storms, fires, floods, earthquakes, and volcanic eruptions keep reminding us
that we are not the boss.

"The Good Poster" wrote in message
...
Rita, I sent your pic to my brother - he is not an arborist, but he does
have a master's degree in horticulture. I'll let you know what he says.

Joe
TGP