RE/MAX 440
John F. O'Hara

John F. O'Hara
731 W Skippack Pike  Blue Bell  PA 19422
Phone:  610-277-4060
Office:  215-643-3200
Cell:  267-481-1786
Fax:  267-354-6973

My Blog

Your Fall Lawn Care To-Do List

September 2, 2014 1:54 am

Taking time in the fall to prepare your lawn for the colder months ahead will pay dividends come spring and allow you to enjoy lusher, greener grass when temperatures rise again.

Fertilizing
Providing nutrients to your lawn before cold weather strikes is good for strengthening roots and increasing the nutrients stored for an earlier spring green. While the top growth of grass stops, grass plants are storing nutrients and energy for the following season.

To determine the best ratio of fertilizer for the soil in your yard, you should utilize a soil test. Otherwise, look for fertilizer with a nitrogen-phosphate-potassium (NPK) ratio of 3:1:2 or 4:1:2.

When applying the fertilizer, make sure that you follow the application instructions and rate information on the package and use a calibrated spreader to apply the correct amount. It is also a good rule to apply the fertilizer about 2-3 weeks before the ground freezes so the plant can start to take up some of the nutrients.

Instead of pacing the yard with a push spreader, consider a tow-behind spreader attached to your riding lawn mower or garden tractor. An attachment can quickly distribute fertilizer evenly across your yard.

Aerating
Aerating, the process of removing plugs of soil and thatch from the lawn, is ideal in cooler months. It encourages deep rooting, improves water and nutrient penetration, and promotes growth of beneficial soil microorganisms. There are a variety of techniques you can use to penetrate the soil, such as spiked shoes or spray-on liquids, but to most effectively aerate soil, attach a dethatcher, or a plug aerator behind a riding mower or tractor to remove plugs of soil from 2-3 inches deep.

Mulching
If you prefer not to rake or bag grass or leaves, mulching with a mower is an ideal alternative. Be sure to mulch leaves only when they are dry to avoid damp and wet leaves clumping or building up under mower decks.

Remember that grass needs sunlight in the fall to help store food for winter, so don't wait until your lawn is completely matted down with leaves to mulch. A thin layer of mulched leaves is ideal and helps add nutrients to the soil, reducing the need for fertilizer.

Composting
Creating a compost pile allows you to turn organic material into rich soil. The fall season is a good time to create a compost pile with decaying yard matter, such as vegetables, grass clippings and leaves, which can provide nutrient-rich soil for spring planting. For best results, alternate layers of "brown," or high carbon materials, with grass clippings.

Using a rear bagger with your lawn mower or tractor will help make collecting grass clippings a breeze, and adding to your compost pile is as simple as backing up to the spot and unloading. Another optional mower attachment, the lawn sweeper, brushes leaves into a hamper, much like a broom and dustpan.

Taking these steps will prepare your lawn for the winter and help it come back strong, healthy and beautiful in the spring.

Source: John Deere

Published with permission from RISMedia.


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Renting a Car over Labor Day Weekend?

August 29, 2014 1:33 am

For those renting a car over Labor Day weekend, it can be confusing, frustrating and downright daunting. Unfortunately, many renters do not even think about car rental insurance until they get to the counter, which can result in either wasting money by purchasing unnecessary coverage or having dangerous gaps in coverage, according to the Insurance Information Institute (I.I.I.).

Before renting a car, I.I.I. suggests that you make two phone calls—one to your insurance professional and another to the credit card company you will be using to pay for the rental car.

1. Insurance Company
Find out how much coverage you currently have on your own car. In most cases, whatever coverage and deductibles you have on your own car would apply when you rent a car, provided you are using the car for recreation and not for business. If you have dropped either comprehensive or collision on your own car as a way to reduce costs, you will not be covered if your rental car is stolen or damaged in an accident.

2. Credit Card Company
Insurance benefits offered by credit card companies differ by both the company and/or the bank that issues the card, as well as by the level of credit card used. For instance, a platinum card may offer more insurance coverage than a gold card.

Credit cards usually cover only damage to or loss of the rented vehicle, not for other cars, personal belongings or the property of others. You may not have personal liability coverage for bodily injury or death claims. Some credit card companies will provide coverage for towing, but many may not provide for diminished value or administrative fees. Some credit card companies have changed their policies, too, so you may not have as much coverage as you thought.

At the Rental Car Counter
Since insurance is state regulated, the cost and coverage will vary from state to state. Consumers, however, can generally choose from the following coverages:

Loss Damage Waiver (LDW)
Also referred to as a collision damage waiver outside the U.S., an LDW is not technically an insurance product. LDWs do, however, relieve or "waive" renters of financial responsibility if their rental car is damaged or stolen. In most cases, waivers also provide coverage for "loss of use," in the event the rental car company charges the renter for the time a damaged car cannot be used because it is being fixed. It may also cover towing and administrative fees.

Liability Insurance
By law, rental companies must provide the state-required amount of liability insurance. Generally, these amounts are low and do not provide much protection. If you have adequate amounts of liability protection on your own car, you may consider forgoing additional liability protection. If you want the supplemental insurance, it will cost between $7 and $14 a day.

Personal Accident Insurance
Personal Accident Insurance offers coverage to you and your passengers for medical and ambulance bills for injuries caused in a car crash. If you have adequate health insurance or are covered by personal injury protection under your own car insurance, you may not need this additional insurance. It usually costs about $1 to $5 a day.

Personal Effects Coverage
Personal Effects Coverage provides insurance protection for the theft of items in your car. If you have a homeowners or renters insurance policy that includes off-premises theft coverage, you are generally covered for theft of your belongings away from home, minus the deductible. If you purchase this coverage through the rental car company, it generally costs between $1 and $4 a day.

If you frequently travel with expensive items such as jewelry, cameras, musical equipment or sports equipment, it may be more cost effective to purchase a personal articles floater under your homeowners or renters insurance policy. With such a floater, your valuable items are protected at home as well as while traveling anywhere in the world and the coverage is broader.

Source: I.I.I.

Published with permission from RISMedia.


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