06.04.2021 Views

Groveport Messenger - April 4th, 2021

Create successful ePaper yourself

Turn your PDF publications into a flip-book with our unique Google optimized e-Paper software.

www.columbusmessenger.com<br />

<strong>April</strong> 4, <strong>2021</strong> - GROVEPORT MESSENGER - PAGE 7<br />

Factors to consider when choosing<br />

and applying mulch<br />

Homeowners associate mulch with springtime lawn and garden<br />

care.<br />

Mulch protects roots against extreme temperatures.<br />

Mulch is often connected with its ability to help soil retain<br />

moisture during especially warm times of the year, when mulch<br />

promotes strong roots that can help lawns and plants survive<br />

periods of extreme heat.<br />

Applying mulch in spring can be beneficial to lawns.<br />

Homeowners should first consider a few factors.<br />

•Timing: Know when the average day of the last frost is in<br />

your area.<br />

•Texture: Try medium-textured mulch. Fine particles may<br />

pack down and retain moisture that will evaporate before it<br />

reaches the plant roots. Materials that are too coarse may be incapable<br />

of holding sufficient amounts of water to benefit the soil.<br />

•Nutrients: Humus is an organic component of soil that forms<br />

when leaves and other plant materials decompose. Organic<br />

mulches provide humus and decompose over time, adding nutrients<br />

into the soil.<br />

•Application: Correct application of the mulch is essential.<br />

Applying too much mulch can adversely affect lawns, plants and<br />

soil. In addition, excessive application can cause decay and make<br />

lawns and plants more vulnerable to disease. Homeowners uncertain<br />

about when and how to apply mulch in the spring can consult<br />

with a lawn care professional to devise a plan that ensures their<br />

lawns and gardens hold up against summer weather.<br />

PAID ADVERTISING<br />

<strong>2021</strong> is the time to buy<br />

or refinance your home<br />

By Alexandra Hager<br />

Team Lead of Residential Mortgage Lending<br />

at Telhio Credit Union<br />

Whether you’re looking to relocate, buy your first home or refinance,<br />

there is no better time than now.<br />

Our advice for buyers is to go in with an aggressive offer. You are competing<br />

with a lot of other buyers, and if you like the home you’re looking at<br />

make a really strong offer because the price will be even higher on the next<br />

one.<br />

The current housing market is also good for homeowners who want to<br />

refinance. These record-low interest rates may save you thousands of dollars<br />

over the lifetime of your loan - or put cash in your pocket now. So if you’re<br />

looking to refinance, do so in <strong>2021</strong>.<br />

So if you have not yet looked into refinancing, what are you waiting for?<br />

Rates won’t go much lower since the Federal Funds Rate is already nearly<br />

0%, and while we don’t believe rates will go up any time soon, once they<br />

go up, they will go up quickly.<br />

At Telhio, we’re happy to help you understand your options and find the<br />

right rate and term for you.<br />

Contact me today to learn more about loan and refinancing options at<br />

614-221-3233 ext. 8149.<br />

columbusmessenger.com<br />

OH License #20692

Hooray! Your file is uploaded and ready to be published.

Saved successfully!

Ooh no, something went wrong!