Are you passionate about horses and thinking about buying one? If so, take these four factors into consideration before you do.
1. The time commitment
In addition to riding your horse regularly, you’ll need to set aside time to groom, feed and clean it. You’ll also need to make sure the horse gets an hour or more of exercise and lots of pasture time every day, especially if it lives in a stall.
2. Boarding requirements
3. All associated expenses
The cost of owning a horse includes more than the initial purchase price. Horses can live to be up to 30 years old and you’ll have to budget for ongoing expenses such as:
• Veterinary care
• Farrier services
• Riding lessons
You should also have an emergency fund set aside in case your horse gets injured or sick.
4. The horse itself
In addition to finding out about the horse’s age, health and temperament, you should meet it a few times before making a decision. It’s also a good idea to ride the horse at least once to be sure that the two of you have the right chemistry.
Depending on your interests, you may want a horse that can jump, barrel race, or trail ride. However, unless you’re an experienced rider and trai¬ner, you should look for an animal that’s already trained.
In sum, owning a horse is costly and time-consuming. However, for those who love them, it’s also deeply rewarding. If you have any questions about horse ownership, speak to a veterinarian or breeder in your area.
How to update French doors
French doors are a great way to separate two interior spaces that are visually connected. They’re also ideal for enhancing your view of the outdoors and letting natural light shine into a room. However, they can sometimes look dated. Here are a few ways to give them an upgrade.
Change the look
French doors are typically made of wood. If you’re not a fan of yours, why not paint them? White is a timeless choice, but you can also turn your doors into a focal point by painting them a color that contrasts with the rest of the room. Alternatively, replace the whole setup with doors that each feature one large pane of glass or have a modern steel frame.
Adopt a new style
Finally, if you love the look of French doors but lack the space for them to swing open, consider sliding or folding options.
Landscape redesign: 5 factors to consider
Upgrading your yard can be a major undertaking, and it’s easy to miss a key detail if you’re not careful. Here are five things to consider before you begin.
If your upgrade involves moving large objects into your yard, there needs to be a safe access route. Fences, walls, and trees can make it difficult or impossible for trucks to deliver supplies. Create a plan before the work starts to avoid delays.
If your project involves a significant structural change, you may need to obtain a permit from the city. Your landscaping might also have to meet certain requirements such as respecting the maximum height for fences and hedges. Contact your municipality before starting any work.
The consistency of the soil on your property can directly impact the stability of new installations. Heavy rainfall and rapid freeze-thaw cycles can make the ground unstable. Hire a professional to inspect the yard before you begin construction.
Gardens may require frequent care to ensure they don’t become overgrown. Also, keep in mind that maintaining trees involves clearing seeds, leaves, and branches. Additionally, many building materials need to be regularly cleaned, painted, or stained.
Landscaping projects can revitalize your yard but for best results, they should be planned in advance.
Lawn care: 3 reasons to leave it to the pros
Are you tired of spending your weekends taking care of your lawn? If so, hiring a professional may be the solution. Here are three great reasons to use a landscaping service.
1. You won’t need any equipment
If you hire a contractor to take care of your lawn and garden, you won’t need to maintain a lawnmower, sharpen hedge trimmers or shop for fertilizer. In fact, you won’t need lawn care tools at all. This will save you the hassle and expense of buying, storing, and maintaining them.
2. You’ll have more free time
3. You’ll avoid unpleasant surprises
If there’s a problem with your lawn, plants, or trees, your landscaping contractor will know exactly what to do. A professional can identify and resolve issues involving pests, watering, fertilization, and more. This will save you the time and effort of trying to figure it out on your own.
This summer, trust your lawn care to a professional. Your yard will be beautiful and well-maintained, thereby increasing the value of your home and enhancing your enjoyment of the property.
What type of fruit should you grow?
Fruit-bearing trees, shrubs, and plants are easy to grow and can add visual interest to your yard with their vibrant foliage and flowers. Here’s what to plant based on various preferences.
If you want a harvest this summer
To enjoy your fruit within a few months, opt for fast-growing plants. A few examples include strawberries, raspberries, ground cherries, cantaloupes, and watermelons.
If you want long-lasting producers
If you want unique but delicious berries
If you want to plant fruit that’s a little out of the ordinary, try black currants, Arctic kiwis, or Saskatoon berries. These berries are great for making mouth-watering jams.
Keep in mind that some trees and shrubs only bear fruit if there’s a second plant nearby to pollinate it. If you want to grow apples, for example, you’ll need to plant two trees.
The advantages of permeable paving
Permeable pavers, such as interlocking sto¬nes, can be used to build driveways, walk¬ways, and patios. Here’s why they’re a great choice.
They reduce runoff
Permeable paving allows water to seep into the ground. This means runoff is less likely to pool on the surface or end up in the sewer system. Consequently, you’ll have fewer puddles when it rains and less ice buildup when it’s cold. Permeable pavers also reduce the risk of flooding and erosion.
They keep cities cooler
They’re a good investment
Permeable pavers are easy to install because they don’t require the ground to be compacted beforehand. They’re also more durable than asphalt so they cost less in the long run. Plus, they can increase the value of your home.
Lastly, permeable pavers can help filter out pollutants and replenish the water table with clean water. This makes them a particularly great choice for eco-conscious consumers.
One option for some seniors: Roth IRA
Some investors could make a big move in this crisis-driven market by converting their retirement accounts to a Roth IRA.
One caution: It might be smart for you, and it might not.
Naturally, with all things about investing, it all depends.
Roth IRAs are great investments when the stock market is down, according to Leon LaBrecque of the Sequoia Financial Group. That’s because, as the market recovers, you make money tax free.
Roths are also good when taxes are low. You hope to pay low taxes on a Roth when you invest and avoid higher taxes when you take distributions. If you are looking at the recent $2 trillion relief bill, with promises of more to come, who would blame you if you thought taxes were going to rise?
Finally, Roths are best for optimists. Do you think it is a bear market that won’t recover for a decade? Or do you think it is a short-term crisis market that will recover swiftly?
A down market that is poised to recover, is an optimum time for converting to a Roth, according to LaBrecque.
To actually decide whether this would be beneficial to your situation, you have to speak to an investment professional. Depending on your financial situation, there are several ways to create a Roth, but also serious pitfalls.