My hard work is paying off!
7 years ago
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- 7 years ago
- 7 years agolast modified: 7 years ago
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All my hard work seems to have been ruined...
Comments (4)Ditto that ^ But, the ones coming up as suckers off roots can be more problematical. That's probably not what you have with them coming all over. But, with really invasive ones like off silver leaf poplars, I have used an axe to cut them off....See MoreUpdate - second season in ground pics VDB & hardy Chicago
Comments (1)Hi Rich, Nice trees. I don't know anything about pruning trees in your zone, but someone up there will. It's breba figs that form on last year's wood and they pop out on the branches, but with no leaves. That's how you can tell they are brebas. The main crops form at the leaf joints on the current year's growth. Good luck with your trees, noss...See MorePay down mortgage or pay off student loans--?
Comments (10)You can get either death or disability insurance on your mortgage, or both. There's about four times the possibility of disability for an extended period that there is of death ... and, while a funeral is expensive, dead people don't eat, but disabled people do ... and may need medical/rehabilitative costs, as well. Some prefer to buy a term policy for one or both, themselves, for if the bank sets it up, they are the payee, not the person(s) purchasing the home, whle if the homeowner purchases it, they are the payee and it will be their responsibility to pay the lender. Some prefer to have coverage at a specific level throughout, rather than the decreasing value as the principal gets paid off, as usually there is little difference in premium, and as the debt is reduced through regular payment down of principal, there is some extra available to support the family in a difficult time. When paying student loan, usually one knows what portion of the payent goes for interest and which goes to pay down principal owing. But the level of mortgage payment remains level throughout, which means that in the early days of the loan, when the balance owing is high, the amount that goes to interest each year must be high, meaning that little of each payment goes to pay off principal. Many people pay little attention to the amount of principal that is paid off annually through the first few years, though many of them received a schedule showing what the ratios were at the time of each payment, throughout. They are greatly surprised when they find out how little of the principal has actually been paid, at the end of each year. They are suprised to learn that, in those early years, if they made an additional payment of an amount equal to one of the month's payment, designating it as to reduce principal only, it would reduce the balance owing by a larger amount than did all of the other 12 monthly payments. With student loans, the amount allocated to principal and to interest is more easily identifiable, I think. Good wishes. ole joyful...See MoreIn a hurry but don't want to ruin all my hard work
Comments (2)Don't be panic for painting the latex over oil. It is not a good combination but definitely can't ruin the look. Let your dining set be dried in sunlight for 2 to 3 days completely before moving to the next step. I am sure you can get the exact outcome that you want....See More- 7 years ago
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JasdipOriginal Author