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Characteristics of claysoil Perennials Pink climbing roses

Four Surprising Facts That Might Change Your Mind About Gardening

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Landscape design can have a major impact on not only how your home is perceived by strangers, but how you feel about your land yourself. Looking out at your yard or garden can be either extremely satisfactory, or a little disheartening. Even if your landscape design wasn’t at the top of your priority list, it’s hard not to be a little embarrassed when your grass is yellow instead of green, or when what once was a garden is overrun with weeds. Plus, there’s a lot more to keeping a beautiful landscape than simply planting seeds and trimming hedges. Your landscape is a living, constantly changing thing. And there are plenty of ways that it can benefit you — and plenty of secrets you probably don’t even know about landscape design and gardening.

1. Flowers Help Cure Depression

We often see flowers as somewhat superfluous. They’re beautiful, it’s true, and some of them have health benefits and are even edible. But the fact is that they don’t have the practical applications of fruits and vegetables — or do they? Your flower nursery may be able to help cure your depression. On average, seniors observe an 81% reduction in depression after simply receiving flowers — imagine how much your depression will reduce once you start working with them on a regular basis. Flowers are beautiful, relatively simple to care for, and give a visual result for people working with them. Adding flowers to your landscape is included in some landscaping packages, meaning that you don’t even have to tend to the initial, more difficult growth yourself.

2. Gardening Betters Your Health

Experienced landscapers will be the first to admit that if you want to get a workout out of gardening, you can. This isn’t for everyone, but gardening can be an easy way to achieve the two and a half hours of weekly exercise that most people should aim for. Unlike the treadmill, however, gardening has a clear and enjoyable result. The beautiful appearance of your garden is your reward for exercising, and a great one at that. A Stockholm study even reported that regular gardening cuts your risk for heart attack or stroke after 60 by 30%. It can even reduce the risk of dementia by 36% — with some studies increasing that estimate to 46%.

3. Grapes Have A Storied History

Yes, we all know that grapes are not just fruit — they’re how we get wine! But the fact is that wine isn’t something we started enjoying within the past few centuries. According to archeologists, grapes were grown to make wine as far as 8,000 years ago in Mesopotamia. The process wasn’t recorded, however, until Ancient Egyptians began doing so 5,000 years ago. It’s no wonder wine is so culturally important today — we’ve been enjoying it for longer than anyone could ever remember.

4. Trees Are Borderline Immortal

Maybe “immortal” is stretching it. But if you plan on contacting your landscape services about having trees planted, you may want to consider a type of tree with greater longevity. That way, it will be enjoyed by generations to come. And immortal or not, trees do live for a very long time. The bristlecone pine is the longest lived tree in the world, with the oldest growing to elevations of 10,000 or 11,000 feet high. The oldest of these trees, “Methuselah”, is 4,789 years old.

5. Bamboo Could Change Your Garden’s Entire Look

Did you know that bamboo can grow 35 inches a day? It’s the fastest growing woody plants in the world, and it can change the entire look of your garden. Can bamboo be a challenge? Yes — it may be a good project for an advanced gardener. But once an experienced landscape designer shows you the ropes, you should be good to go. Bamboo will make your garden look a little more creative, and a bit less like every other boring, “English countryside” garden on the block.

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Mortgages rates No deposit home loans Reverse mortgage advantages

Low Mortgage Rates Make This a Good Time to Buy a Home

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Given uncertain economic conditions, many people believe that buying a home is no longer with in their reach. But they could be wrong. With long term home mortgage rates falling as low as 3.31% in 2012, this is actually a good time to buy a home. A reliable firm of direct mortgage lenders can not help you find low interest home loans, they can also help you with other financial services such as refinancing a loan or consolidating debt.

Home buying 101: A good credit score

In general, according to the Home Loan Learning Center, the majority of commercial mortgage lenders will not approve jumbo loans for people with a credit score of less than 680. For FHA mortgage loans, a minimum credit score of 620 is needed. Buyers should also expect to have to make a down payment of around 3.5% of the value of the home, though this might vary a little for different direct mortgage lenders.

Sometimes, buyers can make up for a low credit score by making a larger down payment. In general, though, it is a good idea to maintain a good credit score. This involves cleaning up credit history and making sure that any errors are corrected by credit reporting agencies.

Making the mortgage process easier

In the world of home buying, low rate mortgages are the Holy Grail. When looking for home loans, finding good mortgage rates is key. Experts advise that buyers should lock in a rate as soon as they are find the numbers they are comfortable with. Financial experts also advise that total household monthly debt payments, including mortgage payments, should be around one-third and no more than 36% of gross monthly income.

Getting a good mortgage rate is only the first step. Buyers should keep in mind that there will be costs like closing costs; they may also be called upon to pay for points. It’s a good idea to hold off on any other major expenses when buying a home. Experts also caution that any changes in employment status or income can delay or even half the mortgage process. So it’s best to stick with your employer until the contract is signed.