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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

6 Fall Lawn Care Tips by Zone

September 3, 2015 2:48 am

As summer transitions to fall, your lawn will begin to store moisture and nutrients in preparation for the upcoming winter. As a homeowner, there are a few steps you can take now to help your lawn in the process, according to Grass Seed USA, a national coalition of academic turf specialists and grass seed farmers.

"September is the best time to prepare your lawn for the dormant winter months," says Grass Seed USA Executive Director Bryan Ostlund. "This time of year, simple lawn care chores such as reseeding, weeding and aerating will help your grass immensely."

The United States can be roughly divided into three grass-growing zones:

• Warm Zone
• Cool Zone
• Transition Zone


If you live in the Warm Zone, few winterization measures are needed and new warm-season lawns are best planted in the late spring or early summer. One option you may want to consider is overseeding, or adding cool-season grass seed over your warm-season turf. The cool-season grass will thrive until the warm-season grass turns green again in the spring, giving you a lush lawn year-round.

Homeowners in the Cool Zone and Transition Zone should take similar steps to prepare their lawns for winter, including:

• Adding seed to thicken an existing lawn;


If your lawn is looking thin or if you need to fill in some bare patches, now is the time to reseed. Talk to a turf specialist at a garden shop or university extension agent to find out what type of seed is best for your lawn conditions. Spread the seed over your existing lawn and then water lightly and regularly, making sure the reseeded areas stay moist until the new grass grows in. Transition Zone homeowners with warm-season grasses also have the option of overseeding their lawns to keep them green through the winter.

• Dethatching;

A certain amount of thatch – the tightly packed layer of organic matter between the grass blades and the soil surface – can benefit your lawn, but if the layer exceeds half an inch, it can keep moisture and oxygen from reaching the soil and can harbor fungus and insect pests. If your lawn needs to be dethatched, you can rent a vertical mower or hire a professional to do the job for you.

• Aerating;

Older or heavily trafficked lawns can suffer from soil compaction. A core aerator with hollow tines will pull small plugs of soil out of the ground, allowing increased movement of water, nutrients and oxygen into the soil. You can rent an aerator or hire a professional to aerate your lawn for you.

• Raising your mower blades;

Let your grass grow a bit taller in the fall, usually between one-and-a-half and two-and-a-half inches. If you cut it too short, you'll severely limit its ability to make and store food for growth in the spring. If the grass is too long it can become matted, which leads to problems as well.

• Winterizing your irrigation system.

If you live in an area where the frost level extends below the depth of your irrigation pipes, be sure to shut off the water to the irrigation system and drain all the pipes before the first freeze.

Source: Grass Seed USA

Published with permission from RISMedia.


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8 Ways to Save on Bank Costs

September 2, 2015 2:48 am

Did you know the majority of Americans spend more money on milk than they do on banking? According to a recent American Bankers Association (ABA) survey, nearly three-quarters of bank customers spend $3 or less in monthly banking fees, and approximately 60 percent pay nothing at all for banking services.

“We’ve seen tremendous innovations to bank services over the last decade that have allowed our customers to bank in the way that is most convenient for them and at little or no cost,” says ABA Senior Vice President and Deputy Chief Counsel, Consumer Protection and payments Nessa Feddis. “Today’s consumers have become adept at using the many options that may allow them to bank for free, whether it’s maintaining a minimum balance, opting for direct deposit or using ATMs owned by their bank.”

To cut banking costs, the ABA recommends bank customers do the following:

• Utilize free checking and savings accounts. Many banks still offer them, especially if you maintain a minimum balance. Shop your own bank first.

• Utilize direct deposit. Many checking accounts are free when you use direct deposit.

• Keep a minimum balance. Consider keeping a small amount to pad your account. This helps to avoid monthly fees and accidental overdrafts.

• Take advantage of college partnerships with banks. College students may find special checking account deals at banks with which their college has a partnership.

• Keep multiple accounts at your bank. Many banks seek the entire customer relationship and may offer free service if you maintain both checking and savings accounts with them.

• Use your bank’s ATMs and reduce the use of foreign ATMs. Avoid fees by using ATMs owned by or affiliated with your bank. If you must use an ATM not affiliated with your bank, take out larger withdrawals to avoid having to go back multiple times. Consider the cash-back option at the grocery store.

• Don’t spend more money than you have. Keep track of transactions and account balances to avoid overdraft fees, which is easier to do with features such as mobile banking apps.

• Sign up for email or text alerts. Ask for an automatic alert when your balance falls below a certain level.

Source: ABA

Published with permission from RISMedia.


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