Mortgage Broker - A broker who represents numerous lenders and helps consumers find affordable mortgages; the broker charges a fee only if the consumer finds a loan.
Mortgage Commitment - A formal written communication by a lender, agreeing to make a mortgage loan on a specific property, specifying the loan amount, length of time and conditions.
Mortgage […]

Winters can be very stressful on plants. Excessive moisture loss can be caused by bitter winter winds and by the freeze thaw cycle that occurs when warm, sunny days are followed by harsh cold nights.
Too much moisture loss throughout these cold months can weaken and even kill plants. Before the ground freezes make […]

Maybe you’ve never heard the term vermiculture, if so don’t feel bad, many experienced gardeners are unfamiliar with this organic practice. I think vermiculture is fascinating; simply put it’s the process of composting kitchen waste with earthworms. We’re not talking about common night crawlers, but special varieties of worms such as red worms, and red […]

SECRET #1: Know thy plant.
This may seem like a no-brainer, but one that first-time growers overlook. There
are many types of carnivorous plants occurring on every continent in the world,
except Antarctica.
If you were to go on a world-wide expedition looking for as many types of
carnivorous plants you can possibly find, you […]

Spruce budworm is a very serious pest in our area and can be found in all species of spruce. The adult moths will lay their eggs in July and early August. These adults will lay approximately 100-150 eggs in a cluster pattern. Each cluster usually contains 15-40 eggs and can be found on the underside […]

For some people, a fireplace might as well be a video of flaming logs. Their primary interest is the welcoming ambiance a fireplace’s blaze presents. If, however, you expect your fireplace to provide heat in exchange for your log-carrying, fire-building efforts, (or in the case of gas logs, in exchange for your gas […]

Spicebush (Lindera benzoin)
A deciduous shrub in the Laurel Family (Lauraceae)
Mrs. Stone lived on a hillside south of Lambertville, New
Jersey, on a one lane road called Coon Path. It was while
working for her as a teenager that I first found a Spicebush
also known as Lindera Benzoin. Usually found as an understory
multi-stemmed shrub, it […]

We love hummingbirds and love to watch them throughout the day, especially after a long day, relaxing in our backyard nature retreat.
We have 4 feeders that are strategically located throughout our gardens. The red, hummingbird nectar feeders ( red attracts hummingbirds) are placed in areas that are naturally defined “territories” ( as you know, hummingbirds […]

Bathroom shower curtains offer an affordable way to instantly freshen up a dull looking bathroom. As well as looking nice, shower curtains have the practical function of preventing water spraying out of the tub and soaking the surrounding bathroom fixtures. Installing a curtain is very easy, using rings or hooks to suspend it from a […]

Having an ample supply of good rich compost is the gardeners dream.
It has many uses, and all of those uses will result in nicer plants. However, composting can be time consuming and hard work. I place a reasonable value on my time, so spending hours and hours turning compost piles doesn’t qualify as a […]