The Perks of Buying over Renting

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  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
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Cultivating Success: February Gardening Tips for North Carolina

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As the chill of winter gradually loosens its grip, February ushers in a promising transition for gardeners in North Carolina. Despite the lingering frost in some regions, this month marks the beginning of preparations for the forthcoming growing season. Here are some insightful tips to make the most of February and set the stage for a vibrant and flourishing garden:

1. Soil Preparation:

Test and Amend Soil: February is an opportune time to test your soil's pH levels. Cooperative Extension Services or local garden centers often offer soil testing kits. Based on the results, amend the soil with compost, organic matter, or lime to achieve the ideal pH for your plants.

2. Start Seedlings Indoors:

Warm-Season Crops: Begin sowing seeds indoors for warm-season crops like tomatoes, peppers, and eggplants. Using seedling trays or pots with quality potting soil creates a nurturing environment for these future garden stars.

3. Pruning and Maintenance:

Fruit Trees: Prune fruit trees while they're still dormant, removing dead or diseased branches. This practice encourages healthy growth once the warmer weather arrives.

Cut Back Perennials: Trim back dead foliage from perennials and ornamental grasses to make way for new growth.

4. Plant Cool-Weather Vegetables:

Cold-Hardy Crops: Directly sow or transplant cold-hardy vegetables like lettuce, kale, spinach, and broccoli. These resilient plants thrive in cooler temperatures and will grace your table with fresh, homegrown produce.

5. Protect from Frost:

Cover Tender Plants: Keep an eye on the weather forecast and be prepared to protect tender plants from late frosts. Cover them with cloths or row covers to shield them from the cold.

6. Plan and Design:

Garden Layout: Utilize this time to plan your garden layout. Consider crop rotation, companion planting, and the aesthetics of your garden space. Sketch out your vision, making notes of plant placements and groupings.

7. Tool Maintenance:

Clean and Sharpen Tools: Ensure your gardening tools are in prime condition for the upcoming season. Clean off dirt, oil metal parts to prevent rust, and sharpen blades for precise cuts.

8. Attract Beneficial Wildlife:

Birdhouses and Feeders: Install birdhouses and set up feeders to attract beneficial birds that aid in pest control and pollination.

By embracing these February gardening tips tailored to North Carolina's climate and soil conditions, you'll set the stage for a bountiful and beautiful garden. As the days grow longer and the temperatures rise, your efforts during this month will lay a robust foundation for a flourishing garden in the months to come.

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