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Here Is A List Of Easy-To-Grow Perennials That Should Be A Staple Of Your Gulf Coast Garden: Part II

By lheraty | Published: May 4, 2009

Iris: Bearded or not, this flower never disappoints if you plant it properly. Make sure the bulb is set slightly above the soil surface.
Delphinium: In full sun these bloom tall spikes in either blue, purple, red, pink yellow and white.
 Peony: Needs full sun and time. Peonies usually take a couple of years to become [...]

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Here Is A List Of Easy-To-Grow Perennials That Should Be A Staple Of Your Garden: Part I

By lheraty | Published: May 4, 2009

Experienced gardeners know the value of an easy to care for perennial as it gives the garden color and interest every year with very little care, provided that their location is carefully chosen and roots are properly established with good watering. These particular perennials are hardy and highly resistant to disease, making them a foolproof garden addition [...]

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Mortgage Forgiveness Debt Relief Act of 2007 Is Extended Through 2012

By lheraty | Published: April 30, 2009

In December of 2007 Congress signed into law the Mortgage Forgiveness Debt Relief Act. Under regular circumstances, when a lender chooses to forgive all or part of a borrower’s debt, the forgiven amount is considered income and the borrower is liable to be taxed. This law offers relief to the homeowner in that it extends relief for three years, [...]

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What You Need To Know To Start Your First Compost Pile

By lheraty | Published: April 26, 2009

How is it that people turn garden waste and kitchen scraps into “black gold” that they can use in and on the soil around their trees, flowers, shrubs, vegetables and plants? The rotting process that happens when organic materials are piled on top of one another, layered and kept moist produces the best thing in the [...]

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Some New “Rules” Banks Are “Enforcing” If You Want A Home Equity Line Of Credit Or Mortgage

By lheraty | Published: April 23, 2009

The days when a financial advisor counseled a homeowner to keep a $50,000 home equity line of credit (Heloc) open as a financial cushion, are over. As the economy, and subsequently the housing market, have declined lenders are making it much more difficult for homeowners to qualify. Rest assured if you do, you will pay much more interest than you would have [...]

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Beautify Your Gulf Coast Home’s Landscape With These Lovely Old Standbys

By lheraty | Published: April 20, 2009

Always beautiful, the following shrubs should be taken into consideration when you want to improve your home’s landscaping. These shrubs were found on almost every homestead owned by our grandparents. They have not fallen out of favor for any reason, only forgotten in the excitement that came with the many new cultivars that are now available.

Hydrangea: Tolerant of most soil [...]

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Options For Foreclosure: Part II

By lheraty | Published: April 18, 2009

With the large number of foreclosures that are occurring all over the United States, people should know the many options they have to avoid one. Here are additional options (Part II.) for foreclosure:
 

Rent the Property: If your mortgage payment is low enough that market rent will cover it, this option will allow you to keep your property indefinitely.  
Deed [...]

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Options For Foreclosure: Part I

By lheraty | Published: April 14, 2009

Today in the United States there are more and more homeowners facing the devastating financial challenge of foreclosure. Many times it can be avoided. Here are some options (Part I.) for foreclosure, along with a short explanation of each.
 
Reinstatement: This option is extremely simple, but the most difficult. The homeowner asks the mortgage company the total amount [...]

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Avoiding Possible Short Sale Mistakes: Part II

By lheraty | Published: April 11, 2009

Considering a short sale can be a daunting task if you are not armed with all of the necessary information regarding this type of transaction. Following are additional mistakes or problems that can be avoided if you know what to look for.

Time: There never seems to be enough of it when conducting a short sale. [...]

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Avoid Possible Short Sale Problems And Mistakes Before You Make Them! Part I

By lheraty | Published: April 8, 2009

Considering a short sale can be a daunting task because it is a bit more complicated than a traditional home sale. Knowing what some of the common short sale mistakes are and their solutions can be very helpful for a successful outcome. Here are some of the most common mistakes made with this type of transaction, and their [...]

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