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How Home Equity Can Help Fuel Your Retirement

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  How Home Equity Can Help Fuel Your Retirement If retirement is on the horizon, now’s the time to start thinking about your next chapter. And you probably want to make sure you’re set up to feel comfortable financially to live the life you want in retirement. What you may not realize is you likely have a hidden goldmine of cash you’re not thinking about — and that’s your home.  Data  from the  Federal Housing Finance Agency  (FHFA) shows that home values have gone up nearly 60% over the last 5 years alone (see graph below): And that appreciation gave your net worth a big boost. According to  Freddie Mac , over the same five-year period: “ . . .  Boomer overall wealth increased by $19 trillion, or $486,000 per household, half of which is due to house price appreciation.” So if you’ve been in your house ever longer than that, chances are you have even more equity in your home. If you want to have access to more of the wealth you’ve built up throughout t...
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February Gardening Tips

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Grow Now: Roses
Add roses to your garden this month. consider disease-resistant shrub types such as the edtior's favorite, 'Carefree Beauty' (3 to 5 feet, pink); 'Knock Out' (4-6 feet, red); 'Cramoisi Superieur' (4 to 6 feet, red); amd 'The Fairy' (2 to 3 feet. pink). Plant them en masse for best results. Climbing roses such as 'New Dawn (pale pink), 'CI. Cecile Brunner' (pink), and 'Reve d'Or' (beige-yellow) need the support of a large trellis or arbor to best show off their blooms. A sunny location ensures the best blooms.

Fruit Plants
Purchase now for best selection. Try Southern favorites such as blackberries. ‘Kiowa’ is a large-fruiting selection with thorny stems. Thornless types such as ‘Arapaho’ and ‘Apache’ offer large fruit on upright plants. Other fruits include blueberries, figs, pears, muscadines, Oriental persimmons, and apples. All prefer full sun and well-drained soil.

Soil Prep
The mild days of winter are an ideal time for improving your soil. Work the ground when it is dry, using a garden fork to loosen the soil. Add organic matter, such as chopped leaves’ composted manure, or mushroom compost to improve fertility and drainage.

Forcing Branches 
Quince, forsythia, cherries, winter honeysuckle, and deciduous magnolias will bloom indoors with a little help. Choose stems with flowerbuds that have begun to swell. Cut stems at an angle, and place in a bucket of water. Indoors, recut stems, and place in a container of warm water with a floral preser- vative. Place in a cool spot in indirect light. When you begin to see color in the flowerbuds, move them to a brighter room.

Original Article via Southern Living

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