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The Perks of Buying over Renting

  The Perks of Buying over Renting Thinking about buying a home? While today’s  mortgage rates  might seem a bit intimidating, here are two solid reasons why, if you’re ready and able, it could still be a smart move to get  your own place . 1. Home Values Typically Go Up Over Time There’s been some confusion over the past year or so about which way  home prices  are headed. Make no mistake, nationally they’re still going up. In fact, over the long-term,  home prices  almost always go up ( see graph below ): Using  data  from the  Federal Reserve  (the Fed), you can see the overall trend is home prices have climbed steadily for the past 60 years. There was an exception during the 2008 housing crash when prices didn't follow the normal pattern, but generally, home values kept rising. This is a big reason why  buying a home  can be better than  renting . As prices go up and you pay down your mortgage, you build  equity . Over time, this growing equity can really increase your net wort

Get a good start on the growing season with this gardener's to-do list for April.

Is April the garden’s busiest month? Suddenly, there’s so much to do, like start putting a garden in. Many websites put up monthly task lists, often suited to their specific region. Here’s some April gardening tips and chores that have served this gardener well over the years.
Fertilize fall-planted garlic with a high-nitrogen source, like blood meal or bat guano. Got onion sets that over-wintered? Now’s the time to start hitting them with nitrogen boosts, maybe fish fertilizer, periodically until their tops go soft and wilt in the coming summer.
Sow early spring greens, including leaf lettuce and spinach for early season harvest. Now’s the time to plant asparagus crowns for years of returns.
“The most efficient way to keep plants protected from freezing weather.” Wall O Waters enable organic gardeners to start tomatoes, peppers, squash or other plants 6-8 weeks earlier, without fear of freezing. Plants will be healthier and produce up to twice the fruit 30-40 days earlier. Protects down to 16°F.
Turn and aerate compost piles. Screen any compost you’ll be applying in the next few weeks so that it will be ready when you need it.
Go after lawn pests: Grubs of various sorts (like those of the Japanese beetle) and sod webworms take advantage of spring to feed near the surface. Now’s the time to inspect your lawn for dead and fading patches or soft spongy areas where grubs may have destroyed the turf’s roots. You might spot the grubs themselves. Hit them with an Organic Materials Review Institute-listed spray while they’re vulnerable. Have chickens? Before spraying, turn them loose –with supervision, of course.
Practice patience: Still waiting for spring to… well, spring? Be patient. Don’t start working your garden before the soil is ready to avoid compaction. Monitor those soil temperatures for proper germination temperatures for particular seed with a soil thermometer.
Fruit trees: Spring pruning of fruit trees is best done early. If you’re going to spray trees with a horticultural oil— now’s the time– use one that has negligible toxicity and degrades quickly in the environment.
Plant shrubs and root stock: In his very thorough list, Horticultural Guy suggests you avoid bare root stock if planning to plant strawberries or woody fruits like grapes and raspberries. Instead, buy them in containers. He also suggests you up the water and fertilizer as your indoor plants gets more window light. Spring is the time for growth, even indoors.
Protect seedlings: Oregon State University has a comprehensive list of tasks applicable to its state’s widely diverse conditions. We tend to agree with them that now’s the time to keep cabbage maggots, leafminers, and other pests that might follow warm weather into your garden off your seedlings with floating row covers.
Now or never: A Way To Garden has a list of several “now-or-never” April chores that includes adjusting soil conditions around daffodils that aren’t producing as you’d like, and remembering to check yourself for ticks each time you come in from working in the landscape. (Margaret Roach, the serene and knowledgeable presence behind the site, gardens in upstate New York).
Enjoy tulips, if you have them. Enjoy daffodils if it’s too early in your area for tulips. Crocus, maybe? Whatever it is, Spring is a time to enjoy your gardens, especially after much hard work.
Original Article via Planet Natural

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