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  • 8/9/2019 2015 Home and Garden

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     A special supplement of 

    Finance

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    2015 

  • 8/9/2019 2015 Home and Garden

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    2 - Spring Home & Garden – Unified Newspaper Group – April 8 & 9, 2015

    How you can finance your

    home improvement projectsMany homeowners recognize that improving and main-

    taining a property makes a home more livable for its inhab-itants and more attractive to prospective buyers when thetime comes to put up a “For Sale” sign in the front yard.

    But a well-maintained home also provides additionalbenefits. According to the United States Departmentof Housing and Urban Development, home improve-ments not only raise the values of individual homes, butthey tend to raise neighborhood standards as well. Homeimprovements can create jobs and help local communitiesflourish economically.

    Maintaining a home can be a costly undertaking. Homeimprovement projects can be expensive whether homeown-ers hire professionals or tackle renovation projects on theirown. The following are a handful of options homeowners canconsider as they look for ways to finance renovation projects.

    • Paying outright: Paying for the renovations upfront andin full is perhaps the simplest way to finance a project. Home-owners who have the cash to pay for renovations outrightwon’t have to worry about interest rates or balloon payments.

    • Mortgage refinancing: Some homeowners tap into

    their home equity to cover home remodeling projects.Refinancing a mortgage means paying off the debt owedand starting over with a completely new loan. Refinanc-ing comes with various fees and can cost between 3 and 6percent of the loan’s principal.

    • Home equity loans and lines of credit: Both of theseoptions are commonly referred to as second mortgages.When homeowners apply for home equity loans or lines ofcredit, they are borrowing against the equity value in theirhomes. A home equity loan is a term, or closed-end, loan. Itis a one-time sum that will be paid off over a set amount oftime with a fixed interest rate and the same payment eachmonth. This is a one-time loan from which a person cannotborrow further. A home equity line of credit, or HELOC, islike having a credit card. It’s possible to borrow a certainamount for the life of the loan, which is a set time specifiedby the lender. During this time, homeowners can withdraw

    money as it is needed up to the value of the line of credit.

    HELOCs typically have a variable interest rate that fluctu-ates and payments can vary depending on the amount ofmoney borrowed and the current interest rates.

    • Title I property loan: Residents of the United States withlimited equity in their homes may qualify for an FHA TitleI loan. Banks and other lenders are qualified to make theseloans from their own funds, and the FHA will insure the lend-er against a possible loss. Title I loans can be used for anyimprovements that will make a home more useful and livable.They cannot be used for renovations deemed luxury expenses.

    • Borrow against retirement funds: Some people optto borrow against a 401(k) plan, IRA or another retire-ment fund. If the retirement plan allows a loan withoutpenalty, it can be another way to secure funds. Because itis the homeowner’s money, there will be no credit checkrequired and less delay in getting the funds. Borrowersshould keep in mind that taking a loan against a retirementaccount will usually result in a lower retirement balancethan it would have been had they not borrowed moneyfrom the account — even after the funds have been repaid.

    • Credit cards: Credit cards are an option when improve-ments are not expensive. Individuals with excellent credit rat-ings may qualify for cards with a no-interest introductory peri-ods of several months or more. These cards can be a good wayto pay off moderate improvements in a short amount of time.

    Many home renovation projects require homeowners todevelop a home improvement budget. Homeowners areurged to explore all options and find the least costly loanmethod and the one that will present the best possibilityfor avoiding debt. SH152907

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    Did you know?According to the U.S. Environmental Protection Agen-

    cy, inadequate ventilation in a home can increase indoorair pollution levels. Those pollutant levels rise in a poorlyventilated home because not enough outdoor air is mak-ing its way into a home to dilute emissions from indoorsources of pollution. In addition, in a poorly ventilatedhome, indoor air pollutants are not being carried out of

    the home, leaving the pollutants to linger and potentiallyputting the health of the home’s residents at risk. Thoughit might seem counterintuitive to allow outdoor air into ahome during winter, when such air tends to be at its cold-est, such outdoor air can protect a home’s inhabitantsfrom the immediate effects of indoor air pollution, whichinclude irritation of the eyes, nose and throat, as well asheadaches, dizziness and fatigue. Long-term effects of pro-longed exposure to indoor air pollution can include respi-ratory disease, heart disease and cancer. But homeownerswho want to increase outdoor air infiltration in their homesdo not have to open the windows even when temperaturesdip. A simple inspection of mechanical ventilation sys-tems, such as bathroom and kitchen fans and air handlingsystems that employ fans and ducts to remove indoor airand distribute filtered and conditioned outdoor air through-out a home, may be all that’s necessary to ensure indoorair stays healthy during the winter. If such systems are inneed of repair, homeowners should ensure those repairs

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  • 8/9/2019 2015 Home and Garden

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     April 8 & 9, 2015 – Unified Newspaper Group – Spring Home & Garden - 3

    Explore the alternatives to granite counter topsGranite has long been a popular coun-

    ter top material for homeowners lookingto combine functionality with aestheticappeal in their kitchens. But granite is nosmall investment, and homeowners look-ing to refurbish their kitchens should knowthere are a multitude of counter top mate-rials available to those working on a bud-get or those who simply want to give theirkitchens a different look.

    • Solid wood: Wood counter tops cre-ate a warm, homey interior. Butcher blockcounters are less expensive than graniteand do not necessarily need to be ordered

    from a speciality retailer. But wood canstain and dent and can even burn whenhot kitchenware is placed atop it. Regu-lar application of oil can help homeown-ers maintain the appearance of their woodcounters for years to come.

    • Marble:  Marble tends to be lessexpensive than granite without sacrificing

    aesthetic appeal. However, marble is soft-er and more porous than granite, so it canstain and be etched. Diligence in wipingaway spills, routine sealing and a gentletouch is necessary for those who choosemarble counter tops.

    • Soapstone: This is a natural stonecomposed mainly of mineral talc that givesthe stone its smooth feel. Soapstone rangesfrom black to gray but can sometimes havea green shade to it. Other materials in thestone can produce veining. Although softerthan granite, soapstone is still high-densityand will hold up well. It’s impervious to

    stains and bacteria, and exposure to chemi-cals will not damage it.

    • Quartz:  Quartz is a manufacturedproduct made of stone aggregate and poly-mers compressed under high pressure. Ithas the look of natural stone but requiresless work to maintain. Quartz has consis-tent colors and patterns and is a nonporous

    material, so it will not need routine sealingand resealing.

    • Glass:  Glass counter tops are back-painted, so homeown-ers can order just aboutany color they want.Glass will be tem-pered, so it is safe andheat-resistant. Glasscan scratch, though, soit is not as imperviousas other materials.

    • Concrete:  Con-crete is another mate-rial that can be coloredto match homeown-ers’ whims. Concreteis relatively inexpen-sive compared to othercounter top materi-als, but it can crack orchip.

    While granite is a popular counter topmaterial, homeowners who want some-thing new have many additional options attheir disposal. SH152891

    How to cool your home without breaking the bankMother Nature is consistently incon-

    sistent these days, when 30° Mondaysmight be followed by 60° Tuesdays. Fick-le weather is often accompanied by large

    fluctuations in temperature, strong stormsand unseasonable conditions, making itdifficult for homeowners to maintain com-fort levels in their homes.

    As a result of fluctuating temperatures,home heating and cooling systems havebeen heavily taxed. Growing reliance onHVAC systems has also driven up energybills, as moderate weather synonymouswith spring has given way to more days ofextreme heat or extreme cold. As summerapproaches once again, reducing coolingcosts is a priority for many homeowners.The following are a few ways to cool yourhome’s interior without causing a spike in

    your energy bill.

    • Reduce sun exposure. Much of thehot air inside of a home can be attributedto sunlight exposure throughout the day.Walls and windows on the south and westsides of a home will bear the brunt of thesun’s rays, so close shades and drapes onthis side of the house to maximize cool-ness. Shades and curtains can save youup to 7 percent on your bills and lowerindoor temperatures by up to 20 degrees.Homeowners also may want to think aboutinstalling a retractable awning on areas ofthe house that get a lot of sun. Plantingshade trees is another way to naturally cooldown hot sides of the house.

    • Draw more air into the attic.  Hot

    air rises, and in the summertime hot aircan get trapped beneath the roof in theattic and eaves of a home. While an atticshould have vents, homeowners can speedup the exchange of hot air with a simpletrick. Open up a window on a shady side ofthe home, and then open the attic door ortake out the access panel and place a boxfan inside to blow air up into the attic. Thiswill disperse the hot air and help force itout through the vents.

    • Use fans productively. Using box fansto suck cool night air in from east- andnorth-facing windows and to push out hotair from west- and south-facing windows is

    another way to increase circulation througha home. Running fans may be less costlythan turning on air conditioners. Also, setceiling fans to rotate counter-clockwise.This will pull cooler air up from the floorand create a wind-chill effect.

    • Switch to LED or CFL bulbs. Ninetypercent of the energy used for incandes-cent bulbs is emitted as heat. This not onlywastes electricity but also can make condi-tions hotter inside a home. Switch to cool-er, more efficient light bulbs.

    • Reduce humidity levels. Humiditymakes hot temperatures feel even hotter.Clean laundry, take showers and run thedishwasher at night or early in the morn-ing before the day heats up. Don’t forget tovent bathrooms and kitchens by turning onexhaust fans when water is in use.

    • Rely on a programmable thermostat. Setting a thermostat to adjust the air condi-tioning system automatically means home-owners can keep the temperature raisedwhen they’re not home and then have itlowered shortly before they arrive home.The thermostat also can adjust tempera-tures for day and night use.

    • Keep doors closed. Do not cool roomsthat are unused. Maximize the cool air inlived-in spaces by blocking off rooms thatdo not need to be cooler.

    • Invest in more insulation.  Insulationdoes not just keep homes warmer in thecold weather. Insulation also prevents hotair from infiltrating living spaces whilekeeping cooler air where it’s needed.Sealant around windows and doors alsowill prevent unnecessary air exchange.SH152898

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    4 - Spring Home & Garden – Unified Newspaper Group – April 8 & 9, 2015

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    Add value to your home with these renovationsHomeowners choose renovation projects

    for a variety of reasons. Although manyimprovements are made to increase func-tionality and comfort of a home, severalothers are seen as worthwhile investments.These investments can add up to a higherresale value when the time comes to sell ahome.

    Certain projects have a history of pro-viding a greater return on homeowners’investments than others. The following

    renovation tips can add beauty to yourhome and generate great returns when youput the home up for sale.

    •   Invest in your kitchen.   Kitchenremodels are a safe bet when it comes toputting money into improving a home.Residents tend to spend a great deal oftime in the kitchen, but a dated, poorlyfunctioning kitchen can detract from thevalue of a home, even if the rest of thehome is in good shape. It’s possible torecoup between 60 and 120 percent of yourkitchen remodel investment, especially ifthe kitchen matches up well with the restof your home. Homeowners should knowthat a deluxe renovation may not be neces-sary, as relatively moderate improvementscan create a whole new look for a kitchen.

    • Look to paint. One of the least expen-sive improvement materials, but one thathas a significant impact, is paint. Neutral,modern colors can easily liven up anyspace. If you paint with low-VOC paint,you also can advertise an eco-friendlyhome, which is very desirable these days.

    • Put in another bathroom. Multiplebathrooms are an attractive selling point,particularly in older homes that may nothave been equipped with more than onebathroom. Finding extra space for a bath-room can be tricky, but consider closets,areas under stairs or even taking somespace away from another room. Popularhome-improvement television channelHGTV advises that half-bathrooms require

    at least 18 square feet of space, while full

    baths need 30 to 35 square feet for a stand-up shower or bathtub.

    • Renovate the HVAC system.  Aes-thetic improvements aren’t the only onesthat add value to a home. Many home buy-ers are eager to purchase a home that has anew heating and cooling system, as buyersunderstand that furnaces and air condition-ing units are substantial investments thatcan last for years. Other improvements,such as adding attic insulation or replacing

    older windows and doors with more energyefficient options, also are smart bets.

    • Add illumination to rooms. A darkhome is a dreary home. Adding light canmean including more overhead and accentlighting. Under-cabinet task lighting is anice touch. Inclusion of skylights and suntubes can bring natural light into roomsthat may not have south- or west-facingwindows.

    • Put a deck addition outdoors. Out-door living spaces have become moredesirable, especially as the “staycation”has grown in popularity. Decks and patioscan make backyards more appealing. Thescope of your investment will depend onthe size of the deck and design. Doing the

    work yourself can cut the cost of decks inhalf, but only if you have the specific toolsor experience to tackle such a project.

    • Improve curb appeal. Adding attractivelandscaping and freshening up the entrywayto a home can add considerable value to yourhome, as buyers judge homes by their exte-riors. Completely renovated interiors maynever be seen if buyers pass up your homebecause of a less attractive exterior. Classy,subtle changes, like well-placed shrubberyand a green lawn, can work wonders. Aninviting front door and well-lit entryway alsoadd curb appeal to a home.

    Before making improvements, home-owners should determine if a given projectwill provide a solid return on their invest-

    ment. SH152894Finding space to install an extra bathroom in a home can be a worthwhile investment.

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     April 8 & 9, 2015 – Unified Newspaper Group – Spring Home & Garden - 5

    Common mistakes made on home renovation projectsHome improvement projects can turn a house into a

    home. Homeowners plan scores of renovations to trans-form living spaces into rooms that reflect their personaltastes and comforts.

    Homeowners doing it alone may find things do notalways go as planned. In fact, a Harris Interactive studyfound that 85 percent of homeowners say remodeling isa more stressful undertaking than buying a home. Buthomeowners about to embark on home improvement proj-ects can make the process go more smoothly by avoidingthese common pitfalls.

    Failing to understand thescope of the project

    Some homeowners don’t realize just how big a com-mitment they have made until they get their hands dirty.But understanding the scope of the project, including howmuch demolition and reconstruction is involved and howmuch time a project will take can help homeowners avoidsome of the stress that comes with renovation projects. Forexample, a bathroom renovation may require the removalof dr ywall, reinforcement of flooring to accommodate anew bathtub or shower enclosure and the installation ofnew plumbing and wiring behind walls. So such a renova-tion is far more detailed than simply replacing faucets.

    Not establishing a budgetHomeowners must develop a project budget to ensuretheir projects do not drain their finances. If your budget isso inflexible that you can’t afford the materials you pre-fer, you may want to postpone the project and save moremoney so you can eventually afford to do it right.

    Without a budget in place, it is easy to overspend, and thatcan put you in financial peril down the line. Worrying about

    coming up with money to pay for materials and labor alsocan induce stress. Avoid the anxiety by setting a firm budget.

    Making trendy oroverpersonal improvements

    Homeowners who plan to stay in their homes for the longrun have more free reign when it comes to renovating theirhomes. Such homeowners can create a billiards room or painta room hot pink if they so prefer. However, if the goal is to

    make improvements in order to sell a property, overly person-al touches may make a property less appealing to prospectivebuyers. Trends come and go, and improvements can be expen-sive. If your ultimate goal is to sell your home, opt for renova-tions that will look beautiful through the ages and avoid boldchoices that may only appeal to a select few buyers.

    Forgetting to properlyvet all workers

    It is important to vet your contractor, but don’t forgetto vet potential subcontractors as well. Failing to do socan prove a costly mistake. Contractors often look to sub-contractors to perform certain parts of a job, and it is theresponsibility of homeowners to vet these workers.

    Expecting everythingto go as plannedOptimism is great, but you also should be a realist.

    Knowing what potentially could go wrong puts you in abetter position to handle any problems should they arise.The project might go off without a hitch, but plan for afew hiccups along the way.

    Overestimating DIY abilitiesOverzealous homeowners may see a r enovation project

    in a magazine or on television and immediately think theycan do the work themselves. Unless you have the toolsand the skills necessary to do the work, tackling too muchcan be problematic. In the long run, leaving the work to aprofessional may save you money.

    Home improvements can be stressful, but homeown-ers can lessen that stress by avoiding common renovationmistakes. SH152893

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    Quality Custom Landscape ServiceDid you know?Feng shui is the practice of arranging a home or office environment so energy

    flows gently and smoothly throughout the building. Many homeowners adhere toelements of feng shui, the origins of which date back several thousand years, in anattempt to create a positive environment that is free of stress. The basis for fengshui is that everything in a given environment has an energy known as “chi.” Pro-

    ponents of feng shui believe chi not only flows through the body but also throughthe environment. When a home environment negatively affects this flow, believers

    in feng shui feel this can leadto health problems, financialtroubles or domestic strife. Thisis why feng shui adherents donot allow clutter to accumulatein their homes, as they feel clut-ter can stagnate energy flow. Inaddition, feng shui adherentsavoid homes with long, darkhallways or poorly lit staircas-es, as they feel such areas nega-tively affect the flow of energyin a home. SH152951

    Finished basements save energy and

    deliver more living space

    (MS) — By finishing your basement, you can gain moreliving space while reducing the amount of energy lossfrom downstairs. Basements that are not fully finished

    typically do not have insulated walls or covered flooring.This can result in heat loss and cause your furnace to workovertime.

    A remodeled basement offers more than additional stor-age space. It can provide a lot of extra room for a grow-ing family, such as space for a gym, home theatre, office,guest suite, or a playroom for the kids.

    To ensure a comfortable and inviting basement, thereare a few project components to consider:

    • Insulation will make

    sure your space is warmand comfortable. For thebest results, install a stonewool insulation product, ameasure that can be doneeasily with the ROXULComfortBoard IS. Thisproduct is mechanicallyfastened or adhered to theconcrete foundation wall,offering you a higher R-val-ue and better acoustics.

    • Drywall will helpdefine the space and makeit feel like a part of yourhome. If you haven’t tackled drywall before, consider hir-ing a pro to ensure your walls are seamless.

    • Flooring should be water sealed and covered withan insulated material. There are many products on themarket, but consider laying padding before carpet or in-floor heating before tiles.

    • Personalize it with finishing touches. Select fur-niture that can fit down a typically steep staircase andchoose items that complement the rest of your home’sdécor. TF154139

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    6 - Spring Home & Garden – Unified Newspaper Group – April 8 & 9, 2015

    Garden-inspired decor brightens spaces and moodMany homeowners take up gardening to transform their

    homes with beautiful flowers and foliage, while othersdo so to yield fresh fruits and vegetables. But gardeningcan be more than just a weekend hobby. In fact, it may beespecially beneficial for homeowners to surround them-selves with more plants and natural decor, whether in theyard or in the home.

    Studies have indicated that gardening can be good forthe mind and body. In addition to improving mood andreducing stress, plant life and gardening also may helppeople have a more hopeful outlook on life. If reaping the

    benefit of a beautiful landscape is not reason enough toget into gardening, elevating your mood and coping withdepression or illness may be even further motivation tostart developing your green thumb.

    Home-design trends seem to be following suit, offer-ing individuals more opportunities to surround them-selves with potentially therapeutic plants. Explore theseemerging and established garden décor trends to try in andaround your home.

    • Living wall planters: A living wall planter can addgreenery to any décor without taking up floor or tablespace. Ideal for outdoor structures, these planters also canbe used indoors if you safeguard against leaks and drip-ping. A living wall planter is a framed device that hous-es plants in a manner that enables them to be verticallymounted to a wall surface. While there are commerciallyavailable models, you can create your own design andpaint or stain it to match the existing décor. Use a soil-freepotting substrate to avoid the mess that regular soil maycreate.

    • Combining fish with gardening: Enjoy the best oftwo relaxing worlds by installing a water feature in youryard. Garden retailers offer ready-made kits that can makefast work of establishing a pond or other water feature inthe backyard. Otherwise, there are plenty of water gardencompanies and installers who can suggest a design and putin your desired water features. Add fish suitable for out-door life to your pond. These include koi and certain gold-fish varieties. Game fish are discouraged because they candestroy pond plants. If an outdoor pond is more mainte-nance than you desire, consider an indoor aquarium with acombination of fish and live aquarium plants.

    • Creative furniture designs:  Maybe you’re a per-son who appreciates the unique and whimsical? Tables,benches and chairs can be built with planting channelsthat enable you to have greenery and garden décor in one

    piece. Envision a picnic table with a cutout down the cen-ter for a thin row of plants or decorative grasses. This is aproject the entire family can get behind, as the more cre-ative ideas the better.

    • Improved outdoor lighting:  People who like tospend time in their gardens and yards may not want to belimited by sunrise and sunset. By incorporating differentlighting sources, you can create a retreat that is welcom-ing at any hour. Although flood lights and overhead lightscan illuminate a space, consider ambient and decorativelighting to create the desired ambiance.

    • Functional fire pits and places: A blazing fire createsa cozy spot to gather on chilly evenings, but fire pits andfireplaces also can be used as impromptu cooking spotsfor s’mores or frankfurters on a stick. You can purchase a

    stand-alone fire pit from any number of retailers or build

    your own with patio pavers and fire bricks to line the inte-rior of the fire pit. Outdoor fireplaces require more work,and you want to hire a mason to ensure proper installation.

    • Enjoyable yard additions: While plants and seat-ing may take center stage, some people still want to havefun in their yards. There’s an increased demand for yarddesigns and décor that can put the fun in backyard living.Bocce courts, ring- or horseshoe-toss setups, as well asbean bag-toss boards, can be incorporated into landscapedesigns, giving you yet another reason to spend a fewhours in the great outdoors, where you can experience afew healthy laughs in the process.

    Gardening and spending time outdoors are great hob-bies and may even boost your mood. Homeowners canexplore the popular trends in garden décor and naturalelements that they can enjoy inside and outside of theirhomes. GT154062

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  • 8/9/2019 2015 Home and Garden

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     April 8 & 9, 2015 – Unified Newspaper Group – Spring Home & Garden - 7 

    Maintaining bird feeders and

    bird baths essential to avian healthBird watching is a pastime enjoyed

    by people of all ages. While manypeople trek into the woods to seetheir favorite birds, homeowners cantake steps to entice these fascinatingand feathered friends right to theirbackyards.

    Homeowners who want to attractbirds to their properties can do so byproviding the birds food, shelter andplaces to wash up or cool off. Install-ing a bird feeder and a bird bath inyour yard is one way to attract a bevyof winged creatures that can providehours of enjoyment.

    Establishing a bird-friendly envi-ronment may seem as simple ashanging a feeder on a pole or tree andplacing a bird bath nearby. But a cer-tain level of maintenance is needed tokeep birds healthy and happy.

    According to the experts at the BirdWatcher’s Digest, recent researchindicates feeders can sometimes be asource of disease for the birds visiting them. The Audubon Society echoes that warning,saying that bird feeders and baths can serve as transmission stations for diseases suchas aspergillosis, avian pox and salmonellosis. Recently, scientists noted that the spreadof trichomonad protozoan parasites is on the rise, especially among mourning dove andband-tailed pigeon populations.

    Such warnings are not meant to deter budding birding hobbyists. Organizations likethe Audubon Society hope that such warnings send the message that disinfection andmaintenance is necessary to maintain sanitary environments for birds. Doing so is rela-tively easy and well worth the time for birding enthusiasts.

    • The Humane Society of the United States advises cleaning hanging feeders onceevery two weeks or more often if they’re heavily used. Ground-feeding designs shouldbe cleaned every two days. Feeders can be immersed in a very-diluted solution of bleachto water (nine parts water to one part bleach). Let soak for a few minutes, and then scrubthe feeder with a stiff brush or scouring pad before rinsing. Allow the feeder to dry com-pletely before refilling it with seed.

    • Bird baths should be emptied of water each day. Brush or wipe the bath clean, thenrinse and refill with fresh water. Do not leave standing water overnight; otherwise bird

    baths can easily become a breeding ground for mosquitoes and other parasites.

    • Frequently collect discarded seed hulls and clean bird droppings from beneath feed-ers. If the area around the feeder has become especially soiled, relocate the feeder else-where and clean its initial location.

    • Follow proper instructions with regard to seed and other bird food. For example,reduce the amount of suet offered in hot weather. Heat can cause suet to spoil, and stickysuet can become stuck in birds’ feathers and make it hard for them to keep clean.

    • Try to provide more than one feeder and bird bath to prevent overcrowding. Crowd-ing can contribute to the spread of disease.

    • Do not situate feeders and bird baths under perches where they can be soiled bydroppings.

    • If you notice birds look sick or are not acting strangely, halt feeding and bathing

    to prevent healthy birds from becoming ill. Wait a week before resuming feeding andnotify wildlife officials if you find dead or sick birds around your property.

    • Locate feeders and baths at least 30 feet away from windows so birds do not get con-fused by reflections and collide with the glass.

    • Store seed in a dry container with a tight-fitting lid to prevent mold from formingand moisture from getting in.

    Creating a thriving habitat for bird watching is easier than one might think. But oncebirds begin visiting a yard, homeowners must diligently maintain clean feeders and birdbaths to ensure the birds stay as healthy as possible. Any questions about wild-bird carecan be directed to a local Audubon Society chapter or by visiting a pet store or birdhobby center. GT154046

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    Did you know?Even people who don’t own pets may have pet dander in their homes. Pet dander is the

    tiny, sometimes microscopic skin shed by cats, dogs and other warm-blooded animals, suchas rodents and birds. Pet dander can be carried into homes on people’s clothing, which is howeven homes and offices without pets likely have pet dander in them. Though dander is natu-ral, it’s also an allergy trigger for many people. But pet allergies are not entirely a result ofpet dander, as the American Lung Association notes that allergens come from sources other

    than pets’ skin. For example, the ALA notes that urine and feces from cats, dogs and otherpets can cause allergic reactions in some people. Dust from dried feces can suspend in the airand eventually be inhaled by people with allergies, triggering a reaction. Pet allergens canmaintain their strength for several months by sticking to clothing, walls and other surfaces.Pet owners with pet allergies can still keep their pets, but they must be prepared to make extraefforts to comfortably coexist with their pets. Removing wall-to-wall carpet, keeping petsoff of furniture and keeping a home clean and free of clutter are some ways for pet owners toreduce the symptoms of their pet allergies. Wearing a mask while vacuuming also can reducethe severity of allergy attacks, as vacuums stir up dander and other allergens. PE154088

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    8 - Spring Home & Garden – Unified Newspaper Group – April 8 & 9, 2015

    210 S. Main St.

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    Break ground with the right toolsThe right tools for the job can be the dif-

    ference between an interminable landscap-ing project and one that goes smoothly andefficiently. Aspiring landscapers probablyhave a few shovels and rakes hanging intheir garages and sheds for basic landscap-ing work. But while such tools are effec-tive for certain projects, when it comes tochurning soil for garden beds or digging

    holes for outdoor structures, additionaltools come in handy. It may be well wortha trip to a nearby home center to purchaseor rent one of these tools ideal for breakingground.

    Rototiller A rototiller, sometimes called just a “til-

    ler,” is a powered garden tool designed toloosen soil prior to planting. A rototilleralso can help aerate soil during the grow-ing season. Because they reduce the needfor manual spade digging or hoeing, tillerscan be useful landscaping tools, particu-

    larly for homeowners who want to workefficiently.

    Rototillers will break through tough soiland any plant roots. They come in a varietyof sizes, and it’s best to match the tool tothe size of the job. Many homeowners canget by with smaller, less powerful models,especially if the tiller is only necessaryat the beginning of planting season. Pro-fessional landscapers or those with largeswatches of property may benefit fromlarger models.

     Auger Augers, both mechanical and manual,

    are essentially large drill bits that helpmove materials from one location to anoth-

    er. Augers are typically used to cut holesin landscapes, and they are good for post-hole drilling, which is part of the processof installing deck footings, fencing postsor other structures. Augers come in a vari-ety of sizes, and homeowners can choosehow much power they prefer. Augers canbe heavy and cumbersome, and many do-it-yourselfers will find that one-personaugers are more than adequate for theirprojects.

    Augers dig deep holes, so it is alwayssmart to have the property surveyed priorto use. This way pipes, gas lines, buriedelectrical lines, and any other obstructionsare clearly identified prior to drilling.

    Cultivator Cultivators are similar to tillers in that

    they loosen soil. Cultivators are effectiveduring the growth period of plants, whenthey can be used to aerate the soil andremove weeds. Cultivators come in hand-held versions and push models, and someare even motorized. Cultivators get close

    to plants to remove weeds without disturb-ing the plant. They also are used to stir incompost or fertilizer.

    While many people think cultivators andtillers are the same, that is not the case.

    The former is less powerful and will mixthe soil or stir up the top layer, while thelatter can break up moderately hard groundand loosen firm soil.

    When using any tools around the gar-den, wear the proper protection. Thisincludes devices to protect hearing whenpower tools are in use as well as glovesand safety goggles. Tillers, augers and cul-

    tivators have the potential to toss soil androcks into the air, so make sure others keeptheir distance while work is in progress.GT154047

    Proper tools can churn up soil in a short amount

    of time to make landscaping projects that mucheasier.

    Did you know?Damage to a lawn

    may be indicative ofvarious problems.Everything frominsects to rodentsto the family petmay be responsiblefor causing burnt

    patches, holes ando t h e r e y e s o r e s .Getting to the bot-tom of the problemis the first step inremediation. Burn-ing and discolor-ation of the lawnis often a result ofhigh concentrations of dog urine pooling in one area. Diluting the urine by hos-ing down areas of the lawn can clear up many problems. Birds, raccoons, skunks,moles, and other rodents may feed on grubs that reside just under the thatch of thelawn, and animals may tear up lawns in search of this delicacy. Treating the grubproblem usually alleviates damage caused by animals. Mole crickets are anothercommon lawn destroyer. These insects resemble crickets, but they burrow beneaththe turf to feed on plant roots. The mole crickets can push up channels of turf as theyburrow, exposing roots to the elements and causing the grass to die. Getting rid ofthe insects can revitalize the lawn. GT154045

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     April 8 & 9, 2015 – Unified Newspaper Group – Spring Home & Garden - 9

    Secrets to keeping an organized shedDespite other intentions, homeowners often turn their

    garages into storage centers for random, little-used items,leaving little to no room for the tools and even vehiclesthat actually belong in a garage. Such homeowners mayturn to sheds to store their garage overflow and keep yardequipment at the ready, but storage sheds are not immuneto clutter, and homeowners may find the very structureerected to keep them organized requires a bit of organiza-tion itself.

    A well-organized shed can save homeowners time andenergy, as it’s easy to abandon or delay a project if you

    can’t find that pair of work gloves you stashed. The firststep to any organizing project is to take everything outof the shed and determine just what needs to go back in.Items that do not belong in the shed should be moved totheir rightful locations or tossed in the trash if they’re nolonger needed. Make a pile of anything that will be kept,a separate one for donations and a third for garbage. Takeinventory of what you have so you know whether you’remissing any items or you have something and do not needto purchase another.

    Now that the entire shed is empty, you can assess justhow much room you have. Utilizing vertical and over-head space effectively can free up areas on the floor forlarger equipment.

    Shelving, racks, pegboards and any other materialsthat enable you to hang or store items off the floor aregood investments. Visit your nearby home improvementretailer to find items that can simplify your storage. You

    also may be able to put scrap wood to use to make yourown storage shelves or a work bench. Extra kitchen cabi-nets can be installed in the shed to organize additionalitems.

    In order to remember where items go, label or sort themaccordingly. Some people like to take organization a stepfurther by tracing the outline of tools hung on the wall sothey can be placed back in the same spot after use. Thisalso serves as a visual reminder of which tools are missingand which ones need to be purchased.

    Don’t forget to utilize shed doors as additional storagespace. Hang frequently used tools, such as rakes and shov-els, on the inside of the doors so they will always be easilyaccessible.

    You also can repurpose storage solutions designedfor other areas of the home. For example, magnet-ic knife holders can be mounted to a shed wall to keep

    paintbrushes organized. These holders also can be used tokeep many small metal tools tidy. Metal funnels can holdtwine and string. Thread through the narrow end of thefunnel for a handy dispenser.

    Keep dangerous substances off the floor and out ofreach. Gasoline, chemical fertilizers and other potentiallydangerous substances should be stored high up to keeppets and children safe.

    Make sure the shed floor is sturdy and level. This makesit easier to neatly store larger items. Roll in the lawnmow-er, wheelbarrow and any other cumbersome items. Nowthat more things are mounted vertically, you should findthat you have more space to move around.

    Taking the time to clean and organize a shed can helpmake anyone more productive. GT154043

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    Did you know?While it might be tempting to lower mower blades when summer temperatures

    reach their hottest, it is possible to cut grass too short. Homeowners who want to cutback on the time they spend mowing their lawns under the hot summer sun shouldavoid lowering their mower blades too low, as doing so can cause significant damageto the lawn. Lawns that have been cut too low are less capable of surviving droughtand are unlikely to thrive. When grass is cut too short, the stem tissue from the grassis exposed, and that exposure can lead to unsightly grass that turns yellow or brown.

    Grass that is cut too short alsomay suffer from weaker roots,which in turn makes the grassweaker and less likely to grow instrong. In addition, weaker grassis more susceptible to weedgrowth, which can be both a

    nuisance and an eyesore. Whenmowing, homeowners shouldremove no more than one-thirdof the grass blade. Mowing atthis height will promote strongroots and protect the grass whenthe weather gets especially hotin the summer. GT154112

    Hanging items vertically frees up more space in a shed or garage.

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    10 - Spring Home & Garden – Unified Newspaper Group – April 8 & 9, 2015

    Pruning trees a job best left to the prosBountiful, healthy trees can be beautiful to behold and

    important contributors to a thriving environment. Accord-ing to American Forests, a nonprofit conservation organi-

    zation, a tree can absorb as much as 40 pounds of carbondioxide per year and can sequester one ton of carbon diox-ide by the time the tree reaches age 40. The United StatesForest Service adds that trees placed properly around a

    home can reduce air conditioning and heating demandsconsiderably.

    Many homeowners are content to leave healthy trees

    alone. However, trees eventually must be pruned orremoved if they become safety risks or pose other threats.Trees with roots that are damaging home foundations orthose with limbs overhanging property limits or powerlines can be troublesome. Although homeowners can han-dle relatively minor tree maintenance, for a variety of rea-sons, many tree projects are best left to the professionals.

     Avoid injuryProfessional tree contractors recognize and understand

    the hazards associated with tree and limb removal. Manyoperate in accordance with national or local guidelines tomaintain proper clearance of power lines and structures.

    Trimming trees close to electrical lines puts a personat risk of being electrocuted. Professionals know how toprotect themselves and prevent power outages, which canresult when limbs come into contact with power lines.

    Professional tree services will use machinery appropri-ate for the task. Cherrypickers and cranes may lift workersto the correct height to work on trees, while do-it-your-selfers who rely on climbing trees or using ladders are atrisk of injury.

    Prevent damage to the treeMany tree services understand the proper way to prune

    trees to minimize stress and damage to the tree itself.

    Novice pruners may inadvertently do more harm thangood, resulting in proliferation of tree disease or shock.Improper pruning technique also can lead to an unsightly

    tree.

    LiabilityA professional tree service will possess the correct lia-

    bility and worker’s compensation insurance. This protectshomeowners against litigation should someone be injuredwhile tree work is being done.

    Homeowners who damage neighboring properties whencutting down a tree may find that they are not covered bytheir homeowner’s insurance policies. This can be a cost-ly mistake that’s easily avoided by simply hiring a fullyinsured tree removal service.

    The right toolsThe right tools can mean the difference between a job

    done correctly and one that results in disaster. Profes-sional arborists and tree services have acquired the train-

    ing, tools and techniques to perform the job safely. Thisincludes using the right tools to tackle the job. Ropes, pul-leys, cranes, stump grinders, and other heavy machineryare just a few of the tools tree services have at their dis-posal that the average homeowner does not.

    Trimming or removing trees can be an unpredictableand potentially dangerous endeavor. Such work is best leftto professionals. GT154044

    Going after grubs in your lawnLandscaping is a rewarding hobby for many homeown-

    ers. Men and women with green thumbs often take pridein their lush lawns and gardens, feeling a sense of accom-plishment as their landscapes spend spring and summerreturning to form and making yards more inviting spacesto spend relaxing summer nights.

    But even the most well-maintained lawns are notimmune to problems that can compromise all the hardwork men and women put into their lawns. One suchproblem many homeowners encounter is a grub infesta-tion. Grubs are a type of pest that can cause considerable

    damage to lawns, and while many homeowners have nodoubt heard of grubs, they might want to learn more aboutthese pesky pests so they know what to do should grubsever appear in their yards.

    What are grubs?Grubs are insects that live in the soil, where they feed

    on grass and roots. Many grubs are the larva of Japanesebeetles, and those beetles typically lay their eggs in sun-drenched areas of lawns in midsummer.

    What are signsof grub damage?

    Grubs not only damage lawns on their own, but theyserve as food sources for local wildlife as well, attracting

    wildlife, which can do its own damage to lawns.Lawns can turn brown for a variety of reasons, and

    grubs are just one of many potential culprits behind thebrowning of once-luscious landscapes. Grubs feed onroots, so homeowners who suspect their lawns have fall-en victim to grub infestations can pull up the areas wheregrass has turned brown to see if there are any grubs, whichlook like worms.

    Landscapes that have suddenly become popular amonglocal wildlife that is digging up lawns may also be infested

    with grubs. Skunks and raccoons feed on grubs, and maydig up lawns where grubs are present.

    Damage resulting from grub infestation is most visiblefrom late summer to early fall.

    Can grub damagebe prevented?

    Preventing grub infestation typically requires homeown-ers to keep watchful eyes on their lawns. Pay particular

    attention to areas that begin to brown, especially areas thatare turning brown in spite of adequate watering. An earlyindicator of a grub infestation is small grubs around theroots of grass. In such instances, applying insecticide maybe enough to prevent a small grub problem from spreading.

    Insecticides also can be an effective preventative mea-sure for homeowners looking to avoid grub infestations.Speak with a local landscaping professional for recom-mendations about which insecticide to apply and how bestto apply it.

    What can I doabout grub damage?

    Attempting to treat grubs in the spring may be ineffec-tive, as grubs are large and no longer feeding in spring.So homeowners dealing with grub infestations should

    address the situation before they retire their green thumbsfor the winter. Remove debris from grub infestations witha rake before watering the affected areas. Watering canhelp some damaged roots recover, but areas that havebeen especially damaged may need to be reseeded.

    Grub infestations can be a nuisance to homeowners whoput lots of time and effort into their lawns. But homeown-ers can take steps to treat such infestations and preventthem from returning the following summer. GT154050

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    Applying an appropriate insecticide is one way homeowners canprevent grub infestations.

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     April 8 & 9, 2015 – Unified Newspaper Group – Spring Home & Garden - 11

    Ideas for pool perimeter landscapingWith the rise of the “staycation,” more and more homeowners are turning their back-

    yards into their own private oases. The centerpiece of many such retreats is a refreshingand inviting pool.

    Whether above-ground or inground models, pools make for welcoming spots to enjoywarm days and nights. A new pool can quickly turn a yard into the “it” spot to spendvacations or cool off at the end hot summer days. While pools are often the focal pointof a backyard, many homeowners want their pools to blend seamlessly with the rest oftheir yards. When transforming a backyard that includes a pool, homeowners shouldconsider a few factors to ensure each afternoon spent poolside is as safe as it is fun.

    Safety firstAlthough the goal may be to soften the lines of the pool and/or create sight barriersthat will provide some measure of privacy for swimmers, homeowners must put safe-ty above all else. Before any decorative touches are added, it is important to surrounda pool with a slip-resistant surface and fencing (many communities require fences beerected around pools). Consult with a landscaping contractor, who should be knowl-edgeable about safety codes, or speak to the permit-issuing department at town hall.There should be a list of requirements to ensure pool placement as well as any surround-ing touches are legal and within code.

    Nonslip surfacesConcrete, brick and pavers and decking are popular materials used to surround a pool.

    Installers can make recommendations on materials and finishes, but one suggestion is tochoose a rough finish. Pool water can make surfaces slippery. Concrete that is stampedor scarred provides extra traction than a smooth surface. The same can be said for brickpatios and pavers. Avoid smooth stones or pavers with shiny surfaces, as these may onlyincrease the risk of falls.

    Homeowners who have chosen wood or composite decking to surround a pool shouldtalk to their contractor about nonslip protective coatings. Such coatings typically areacrylic-based liquids applied like a paint or sealer. Some composite decks may be craft-ed with texture or a built-in coating to reduce slipping. In addition, use nonstick mats ondecks and patios to provide a little extra footing where people enter and exit the pool.

    Mulch and stoneHomeowners often prefer some combination of mulch or stone to serve as a transition

    between the pool, concrete or paver hardscape and the lawn. Stone may be more practi-cal for those with inground pools because it will not easily blow onto the water surface.With an above-ground pool, mulch or stone can do the trick, serving as a barrier so thatpool water does not overly drench the surrounding lawn or damage grass after exposureto pool chemicals. Mulch and stone also will provide drainage from water runoff fromthe pool and rain.

    Another advantage of having an additional barrier between the pool and lawn is thatlawn clippings will not be shot into the pool when mowing. Stone and mulch can bedressed up with statues, lawn ornaments and tolerant plants.

    Finishing touchesPlants can provide the finishing touches for a poolside landscape. Homeowners should

    keep in mind that pools are not often shaded from the sun, so plants placed around the

    pool will need to be sun- and drought-tolerant. Succulents, such as aloe and jade, maywork, as can the perennial shrub yucca. Moderately growing grasses will offer a privacybarrier.

    Keep trees and flowering plants far enough away from the pool’s edge so they do notcontribute to debris that falls into the pool, which can complicate maintenance. Also,flowering plants may attract insects and other wildlife that may interfere with yourenjoyment of the pool. It’s better to create a friendly environment for wildlife furtheraway from the pool.

    Homeowners who need some advice planning the landscaping around their pools canrely on the expertise of landscape architects as well as employees at lawn and garden

    centers. Pool companies may work with landscapers and offer recommendations to peo-ple unaccustomed to working around pools. GT154052

    How to handle weed growthHomeowners who take pride in their lawns and gardens

    know just how problematic weeds can be. Weeds canmake otherwise well-manicured and thriving lawns andgardens appear unhealthy and ill-kempt. But homeownersdon’t have to sit back and accept weeds as an inevitablebyproduct of warm weather. The following are a handfulof ways homeowners can handle weed growth so all theirhard work is not masked by unwelcome weeds.

    • Pull weeds after watering. It might seem odd to waterweeds, but watering weeds can actually make it easier topull them out so they never return. When you pull weedsfrom soggy soil, you can more easily pull weeds’ entireroot system from the ground. That means you aren’t justpulling the stems and leaves, but the entire weed from theground.

    • Lay mulch. Mulch can benefit a garden in many ways,not the least of which is helping to prevent the growthof weeds. Mulch prevents sunlight from reaching weed

    seeds, helping to prevent the growth of weeds before theyeven appear to cause you headaches. In addition, mulchhelps soil retain moisture, which benefits plants as sum-mer temperatures rise.

    • Lay landscape fabric. Homeowners who want to domore than mulch can lay landscape fabric in their gardens

    as well. Landscape fabric will work in much the same wayas mulch, blocking sunlight from reaching weed seeds andtherefore preventing the weed seeds from germinating.When laying landscape fabric, simply cut holes in the fab-ric where the plants will be, lay the fabric down and thencover the fabric with mulch.

    • Plant strategically.  How you plant also can helpdefeat weeds before they ever appear. Speak with yourlandscaper or a local lawn and garden professional beforeplanting, asking if it’s possible to plant particular plantsclose together to prevent weed growth. Plants that areplanted in close proximity to one another will block sun-light from reaching the soil, which will make it more dif-ficult for weed seeds to germinate.

    Weeds are a formidable and unwelcome foe to home-owners who take pride in their lawns and gardens. Butthere are several ways to combat existing weed infesta-tions and prevent their return in the future. GT154114

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  • 8/9/2019 2015 Home and Garden

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    12 - Spring Home & Garden – Unified Newspaper Group – April 8 & 9, 2015

    1471 U.S. Highway 51-Stoughton • Mon.-Fri. 9-5, Sat. 9-5, Sun. 10-4 • www.stoughtongardencenter.com

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    Discover Stoughton’s Hidden Treasure! 

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