Southeast Messenger - April 7th, 2019

PAGE 8 - SOUTHEAST MESSENGER - April 7, 2019
www.columbusmessenger.com
There are many ways to celebrate Earth Day
Earth Day is a celebration of the planet
that people, plants and animals call home.
First celebrated in 1970, Earth Day was
established to demonstrate support for
environmental protection, and events are
held each year on April 22. It is now coordinated
globally by the Earth Day Network
and celebrated in more than 193 countries.
Here are ways to embrace Earth Day.
•Make it a point to bike or walk to
school or work. Carpool to cut down on traffic.
The fewer cars on the road, the less
emissions in the air.
•Recycle e-waste in your home. E-waste
is considered outdated electronic appliances
that are no longer used.
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•Invest in a reusable
coffee cup or water bottle.
•Connect with nature
by turning off electronics
for the day and getting
outside. Head to a park
or nature trail and
immerse yourself in the
great outdoors.
•Do something as
simple as switching
paper statements and
bills to e-bills and online
invoices. This reduces
reliance on trees for new
sources of paper.
•Grow some edibles
Calling all beekeepers
The Fairfield County Beekeepers
Association meets on the third Tuesday of
every month at St. Mark’s Catholic
Church, 324 Gay St., in Lancaster at 6:30
pm.
On April 16, the speaker will be Bob
Hooker, from Harrison County. He operates
Clear Fork Apiaries and practices
sustainable, organic gardening on a five
acre homestead.
He has been a beekeeper for over 40
years. The topic of his presentation will be
“Queen Rearing for the Hobbyist
Beekeeper.”
Groveport Garden Club
The Groveport Garden Club meets the
first Tuesday each month at Groveport
Zion Lutheran Church, 6014 Groveport
Road. Anyone interested in gardening welcome.
Call Marylee Bendig at (614) 218-
1097.
PAID ADVERTISING
Buying a home: What’s your
credit score got to do with it?
There is no time like the present to educate
yourself on your credit score, how it’s calculated,
and how you can improve it. But what does your
credit score have to do with buying a home?
Everything.
Your credit score is one of the leading factors
in determining what type of mortgage loan you
qualify for. Typically, the higher the credit score,
the lower the interest rate. You’ll find the difference
of a few points on your score can affect your
monthly payment by hundreds of dollars.
Credit Score Scale:
Poor Credit = 300 to mid-600s
You’ve got work to do, but you do have
options! If your credit score needs some TLC,
take action to improve it. Start by making on-time
payments on all of your bills, checking your credit
report for errors, and working to pay down
credit card balances. It is important to know your
lender options. When you have a subpar credit
score and want to buy a home, it may benefit you
to look into credit unions and community banks
first.
Fair to Good Credit = Mid-600s to mid-700s
PAID ADVERTISING
The Market at
Cuthbert Greenhouse
If you are looking for a new place to shop this
spring, than look no further.
The Market at Cuthbert Greenhouse is your
gardening destination for spring!
Family owned and operated since 1951, you
can depend on our experience to provide top quality
flowers at an affordable price.
We are located in Groveport, approximately 3
in your home garden or even on a
windowsill.
•Reusing and recycling does
not just pertain to water bottles
and aluminum cans. Also, make
use of sharing services like bike
sharing kiosks or Yerdle, an
online community sharing marketplace.
•Volunteer your time at an
organization that has an environmental
focus. Or suggest a task
with an eco-friendly slant, like
picking up trash from a beach, to
a local community group or club.
Earth Day is a great opportunity
to get involved with environmental
efforts.
Congratulations! A credit score in this range
means you’re likely to qualify for a variety of
loan types. For those in the Fair category, consider
FHA or VA programs that often have lower
credit score qualifications and help borrowers
with low down payments. If you score in the
Good range, your options increase significantly.
You may qualify for mortgages with lower interest
rates, including conventional, USDA, and
HomeReady loans.
Very Good to Excellent Credit = Above mid-
700s
High five! You’ve hit the credit score jackpot!
This means you will likely receive the lowest
rates available with more options on the table.
With a credit score above 700, you may qualify
for jumbo loans in addition to other mortgage
types. A jumbo mortgage is a non-conforming
mortgage and is used when a homebuyer is seeking
a loan that is greater than the conforming loan
limit in the area.
By Jaszmine Davis
Marketing Coordinator
Telhio Credit Union
miles from the I-270/US 33 E. interchange on the
east side of Columbus.
We have worked hard to create an environment
that is both uplifting and stress free for our
customers. We hope to see you this spring to
establish roots with your family and to help to
make your yards more colorful.