Adaptability and possibility are two different concepts really. If we are to talk possibility, I've no doubt someone in Florida can experiment and report success growing Midnight/II, just as Quirky does in Georgia. I can grow Zoysia in Michigan, and it will return every year. But is that practical? Adaptability is much less a relative word if you're going to have to adjust maintenance practices, redefine turf quality, and redetermine morphological expressions. Midnight and no other can perform and express its traits and characteristics according to what is customarily expected if it's treated like a warm season type turfgrass and growing in soil structure, climate, and other conditions that are not conducive. It becomes something else though it yet lives and grows. And it becomes something else for the turf manager to commit to spending more in resources than the more adapted grass type requires. I submit Bill was right and has a fantastic tall fescue lawn and has tried growing bluegrass. He wasn't willing to irrigate the bluegrass more than his tall fescue demands of him, which is more adapted to his area.

Born and raised in northern IL, currently residing in central IL... we did pick up one gardening zone moving south a bit. I'd give anything to live in central coastal Cali, but I'd never get my husband to agree to moving. He claims to like the winters, and does have a good reason... the cold kills off a lot of bad things, and keeps nature genetically strong. I'll buy that, but I still don't enjoy the bone-chilling cold! I get chilled in fall and don't thaw until spring! And the older I get, the more the cold bothers me physically... I'm old enough to dislike winter! The only way we'd ever move to warmer climes would be if our children moved their families there first... only then would my husband agree to a move. So, it looks like I'm stuck gardening in IL... where I must emulate a warm climate to grow orchids and other tropicals, dragging them out for summer and back in for winter... but I do get to enjoy lilacs, peonies, tulips and other bulbs and plants that are deciduous or require a chill in order to bloom. I guess it's not so bad... we have white Christmases, germ killing cold, and can enjoy plants that need the lower temps... and summer brings all the warmth and humidity that makes the garden bloom so beautifully... It may make orchid growing a challenge... but real gardeners aren't afraid of a challenge, and in fact, we welcome the chance to prove our prowess! What the hey, my Epi is still alive... I must be doing something right! :-)

Closing costs come along with a mortgage or more accurately I suppose a loan? There are basically two types of closing costs. Those related to the purchase (aka transaction) and those related to borrowing any money to facilitate the transaction. Those related to the transaction are charged whether you are taking out a loan or not. Examples include title insurance, property taxes, transfer taxes, attorneys' fees, agents'commissions, certain other types of insurance. Some of these charges will be a fixed fee, others based on a percentage of the sales price. Some of these fees are charged by the title company and some by the state/local authority. The second set of closing costs are those related to taking out a loan. The appraisal fee (which is usually a fixed charge - say $350)and the origination fees (aka points - which is based on the amount of the loan. Each point is 1% of the loan amount). Seems like a lot of the closing costs come from the title company - and you have to do that anyway? I.e. why are loan closing costs a big deal? Most people finance their home purchases by borrowing the money. It costs money to borrow money. The largest cost of borrowing money is, of course, interest determined by the interest rate. The other big cost of borrowing is the origination fee, aka points. It's a big deal because it is a one-time charge based on the amount borrowed. So, it's variable. A point is 1% of the loan amount. If I'm buying a $500,000 house, borrowing 100%, and paying 1 point, it's going to cost me $5000 (just drop the last two zeroes on the loan amount.)If I put down 50% and finance $250,000, the point will cost me $2500. Some borrowers find it advantageous to "buy down" their interest rate. They might pay 2 points or more to purchase a lower interest rate over the life of the loan. Other borrowers might pay zero points and buy a slightly higher interest rate. Lenders will often tie interest rates and points together as a marketing tool to stand out against their competition. So, depending on the amount financed and the number of points charged, this particular cost of borrowing money can make or break the loan for a potential buyer. And do mortgage related closing costs go up with the amount of the loan? How why? Some do, some don't - see above. Why? 'Cuz. (LOL) Then depending on the last, only buying a house full price/cash is an advantage? A hefty downpayment and smaller loan gets you (no)where? Not necessarily. Sadly, Mary, this is where the math becomes really important. But a good mortgage calculator with a full amortization schedule can be a big help. It will calculate not only the monthly payment but the total interest cost of the loan (prepare for heart failure) and enable you to model different interest rate, loan amount, and payment scenarios. Stop thinking of it as math and start thinking of it as money...playing with money. So when people talk closing costs - are we talking two types? The type you pay no matter what - say you bought full purchase price - or even inherited a house. And the ones that come along with a loan? Which are loan ones and which are not? Yup...see above. Mary, the best way to understand the total transaction costs of a real estate purchase is to take out your settlement statement from you recent home sale. This is called the HUD-1. Then go to HUD's website and follow the line-by-line explanation of what each settlement line means. You'll see right away that the form is divided into loan costs and other costs. Doing this is akin to doing your taxes by hand. Despite the miracle of tax software, you will never understand our tax system better (and how it applies to you) than after you've done your taxes with paper, pencil, and a good tax manual. Something, each taxpayer should do at least ONCE in their lifetime. Same goes for the HUD-1. It's work but it's good work. Hope that helps. The concepts, guidelines, and rules-of-thumb are important but no piece of generic advice will ever replace working the numbers specific to YOUR situation, your financial needs, your psychology, and your future situation. Mary, I know how much you want to buy a home versus renting. You love "home" - it's a passion, a hobby, and a lifestyle for you. You also want a secure financial future and you have doubts about how these two fit together right now. I think it's great that you keep asking questions and seeking answers. I read that you had engaged a financial planner. As you review your decisions, you might want to start a new hobby - getting past math anxiety by learning more about consumer finances and financial planning. The math is such a small part of it. It's much more a process of thinking and mindset. You might want to see if your local county or community college offers financial education classes. It's a great way to meet people who have similar interests and it can become downright addictive. Fifteen years ago, I didn't know there was such a thing as a financial calculator...now, I carry one with me all the time. Playing with mortgage scenarios, calculating investment earnings, etc. is a great way to pass time while waiting in lines...sort of like having your own financial game-boy. Good luck!

Does anyone have thoughts on comparisons between French oak vs Sweet talker? I didn't see a comparison video on YouTube, and photos on the site didn't give me a ton of clarity. We installed moose lodge in our last house but looking for something with a little less variation and lighter to hide as much as possible with animals, toddlers, and a 70s farmish house. I like the look of Cairo Oak by cortec and looking for something similar. Open to other suggestions as well.