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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