First Time Homeowner - where to start when you need to decorate it all
LKB
3 years ago
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LKB
3 years agoLKB
3 years agoRelated Discussions
When did you all start getting homeowner insurance quotes?
Comments (16)Hi, Cynthia. Coverage amounts seem fine. I'd ask about an endorsement that I put on all my Travelers homeowners policies. In Virginia it's Endorsement 58065 VA - Value Added Package Plus. It may already be on there, but if it's not, it's a valuable addition and is very inexpensive. It includes the Ordinance or Law Coverage as well as other valuable coverages. I prefer the PLUS level of the endorsement, but at a minimum I'd get Endorsement - 58064 VA Value Added Package. The additional cost of the PLUS over the basic VAP endorsement should only be about $30. In addition, the ACE (Additional Coverage Endorsement) is part of every policy I sell. Last change I'd make is the Personal Liability. Even though you have $300,000 limit, that's the minimum I recommend. Raising that to $500,000 is an inexpensive way to better protect yourself and your assets. You may already have all this coverage in your policy. Your agent in Virginia is the one best equipped to answer your questions. I'm not licensed in Virginia so this is not an attempt to offer counsel on your particular policy. I'm just letting you know what I do for my clients in NY. (Legal disclaimer since I cannot sell or advise in the state of Virginia) Best of luck, Cynthia! Kevin...See MoreFirst time homeowner needs landscaping help!
Comments (13)I would suggest that you return to the EXACT same spot -- which means not any DIFFERENT spot* -- where you took the first picture and capture the rest of the scene. Pivot the camera to the left and right and show what flanks the first picture, overlapping with it some. Generally, it's awkward planting annuals around the base of a large woody plant, due to root obstructions and the the need to "turn" the soil. Would suggest you move color areas to flanking the front door and instead place permanent groundcover in the tree island. *Not trying to insult your intelligence here, but in almost every case -- 100% so far -- when I've asked for such pictures, people insist on taking them from another new spot. I guess they think that's somehow helpful, but it makes it impossible to mesh the pictures together....See MoreFirst time homeowner and lawn caretaker
Comments (29)I went to the hardware store after work today to learn about some of the supplies and see what I am going to be working with. I have a couple of questions. 1. If I were to go the grass killing route, what percentage of Glyphosate should I be using? I have seen 40%, 20% and 8%. 1a. Any suggestions on killing weeds in bush mulch beds? I am now seeing some that are sprouting. The store had some products that solely killed weeds without the grass killing label. Would general weed killer suffice? 2. If killing the grass, after the labeled amount of time is up for further lawn work to be performed, do I have to till/break up the soil with a bow rake? Or some other ground puncturing tool? 3. Seeding - what type of seed/brand do people suggest if I go Tall Fescue? This type of grass seems to be the most common, but I was a little overwhelmed (for lack of a better term) when I saw that seed bags were mixtures of seed that also included Ryegrass and KBG along with the Fescue 3a. Should I supplement the seed with a layer of hay or additional netting? (Some of the old hay and netting has not disappeared yet from the builder seed.) 3b. Since it is also mid-September, should I consider a seasonal type of seed such as a specific Fall seed? The reps at the hardware store suggested that with the season being so late (is it already?), that I should just keep my lawn the way it is and just spread whatever type of seed he was showing me at the time. 3c. What is the most optimal way to seed (could also be answered with the questions above)? Should I just purchase a spreader and apply or do the additional processes mentioned above need to be performed? 4. If not killing the grass, can I just add seed and respray my lawn with more weed kill? What brands are suggested? 5. Mulch beds - how often should I overturn the mulch? I read that at least once a season and apply 0.5-1 inch of additional mulch yearly or around that time frame. 6. Any suggestion on brand/type of spray applicator? For performing whole lawn maintenance, I was looking at the hose attachable handles with reservoirs to hold lawn care product like herbicides, etc... I could also supplement that with 1-2 gallon pump sprayer just in case. Sorry for the plethora of questions but I am still in the learning phase before I take action. I would plan to do some maintenance beginning Saturday afternoon if possible and continue it throughout the week coming straight home after work....See MoreFirst Time Homeowner- Terrible Lawn
Comments (17)August: use a glysophate concentrate in a hand pump sprayer to spray everything and kill everything. Use a plywood board on the boarder between my yard and my neighbors to prevent spraying any of their grass. Start by outlining the yard, fill in the rest. Wait 10-12 days and check to see if any green remains, if so, re-spray. Wait an additional 10 days- everything should be dead. Mow at the lowest setting to scalp the lawn, bag everything to be disposed of. DO NOT USE CONCENTRATE directly on the lawn: Buy the concentrate and dilute it according to the package directions. I would add ... water the lawn thoroughly a few times before this so you have actively growing plants.They are easier to kill. Spray, wait 2 days and water it again. In warm weather, actively growing plants should start to yellow in a few days ... if you treat it on Saturday, you'll know before the next weekend what areas you missed. Mow at the lowest setting and toss the stuff in your compost heap (I regularly use glyphosate on my weeds and they have no effect on the compost's ability to grow things....See MoreDesign Girl
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