Help - Should I believe my landscaper?
motherof3
16 years ago
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dchall_san_antonio
16 years agolast modified: 9 years agoRelated Discussions
Should I Believe My Mortgage Company?
Comments (15)I just went through this with Wells Fargo. We have decided to throw any extra $ at our mortgage to get it paid off so we can retire sooner than originally planned. We have automatic payments made on the same day each month from OUR bank to WF (as opposed to WF withdrawing the funds from our bank..I want the control).Here is what they said basically... Suppose your regular monthly payment is $2,000. If in January you send them $4,000 the "computer" reads it as two payments so you would not need to make another payment until March. If you had sent $3500, the computer knows it is extra $ (but not enough for two payments) and applies $1500 to the principle. So, as long as you are sending in less than 2 payments any extra should go to principle....he suggested leaving a $100 buffer, so using this example if you send in $3900 or less, the extra should go to principle. We have upped our regular payment. In addition, from time to time when we have extra I will just go in to my bill pay and send them extra on different days than our regular payment. I can also log into WF and can see a running statement of how funds are applied and make sure the amounts I want to go to principle are....See MoreHelp, who should I believe?
Comments (1)That's the faceplate, not the heat exchanger. Can you take a picture? Also this HX does have a 20 year warranty. The GMPs, however, are notorious for popping "crimp rings" which hold the heat exch together. You pull the blower and look for them to have fallen down. When this happens, the flame rollout switches open and shut the furnace down before too long....See MoreShould I use landscaping fabric and rocks under my deck?
Comments (1)Nothing usually grows under the deck, but if you going to put a rock under there, use a good quality weed blocker fabric under it....See MoreHow should I landscape my huge backyard?
Comments (17)My landscaping experience is DIYing/low budget in the Midatlantic on a bare suburban lot. Different climate but I relate to how overwhelming the blank slate is! If I were you I'd start small, focus on the landscaping around the house, and then work my way out. Mulching is easy and cheap, so getting some foundation beds established around the house would be my first goal. (Not sure if there are different considerations for mulch & foundation planting in Fla?) I'd also find a way to clean up the paths between the raised beds so I wouldn't have to worry about grass and weeds (gravel, pavers), and create some sort of border (shrubs, fence, herb & perennial garden) around the veg beds to visually establish the first outside "room," since that space is further along than any of your other planned spaces. Having one space defined will probably help you sort out what you want to do with the rest of it. Those two jobs alone would be plenty of work for this year. Later, as soon as I had the cash, I'd hire a pro to expand the porch/patio area off the house (you mentioned entertaining; that space looks cramped now, especially in relation to the size of the planned gazebo) and install a nice curving path to the gazebo pad. I'd make it my long-term goal to have garden beds along the entire fence perimeter because string trimming that much grass is a PITA! I'd also learn all I could about native plants for the area and climate-smart landscaping. No point in planting things that will be a burden. :)...See Morebestlawn
16 years agolast modified: 9 years agodchall_san_antonio
16 years agolast modified: 9 years agobpgreen
16 years agolast modified: 9 years agocolonel428
16 years agolast modified: 9 years agomotherof3
16 years agolast modified: 9 years ago
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