Category Archives: Real Estate Information

10 Tips to Make Your Yard Bay Friendly

Here in Anne Arundel County, landscaping season is upon us.

I’ve been to both the Lowes in Bowie and one of the Home Depots in Annapolis this past week and one thing is clear – they are stocked and ready for spring and summer.

As a speaker with the Chesapeake Bay Foundation Speaker’s Bureau I give a presentation with a little run-down on what each of us can do in our own back yards to help rebuild the bay.

Here is my list of the Top 10 things you can do for a Bay-Friendly Backyard.

1. Test the soil.
You can find a soil test kit at one of your favorite home supply stores (both Lowes and Home Depot carry them), or you can send a test away to one of these laboratories (PDF) recommended by the Anne Arundel County Soil Conservation District. In any event after testing your yard, you may find you don’t need to add any chemicals or fertilizers to your soil at all. By reducing the amount of fertilizers and chemicals you add to your yard, you’re reducing the amount of nutrients that eventually reach the bay. A lot of people apply excess chemicals, and these usually just run off in the first rain storm and end up in the bay.

2. Plant Native Trees and Shrubs
A soil test can also help you determine how acid/alkaline your soil is – and which plants will survive and thrive in your current soil conditions. Usually this is a mixture of indigenous trees and shrubs. In the mid-Atlantic area we’re lucky to have a good mixture of plants that can give your yard a lot of bio-diversity. This helps your yard have less pests, disease and weed problems. And it provides food, shelter and cover for birds and small animals. Any of our local nurseries can help you pick out good plants for your yard.

3. Use Less Fertilizer (or none at all)
As mentioned above, a lot of people over fertilize their yards and this contributes to the excess nutrient loading that pollutes the Bay. After testing the soil, use minimal amounts of fertilizer – and only if needed. And in spite of what else you might hear, fertilizer is usually only needed once per year.

4. Grass Clippings are a Great Fertilizer
With so many mulcher-mowers out there, everyone should be doing this. Grass is a great natural fertilizer and it returns a lot of nutrients back to the soil as it decomposes.

5. Use Compost as a Fertilizer
Another great natural fertilizer is compost. A nice compost pile that reuses food waste (no fat or proteins), grass clippings, dead leaves, yard waste and other natural ingredients is a fantastic addition to any yard. The mineral-rich compost can be added back to the lawn or flower and vegetable beds. And best of all – compost is cheap – virtually free.

6. Reduce or Eliminate the Use of Pesticides and Herbicides
Toxic chemicals can poison your yard’s balanced ecosystem by killing the natural predators and native plants that keep your yard a well maintained diverse collection of organisms. Adopt integrated pest management systems around your home so you can reduce or eliminate the use of chemicals in your yard. In addition to your yard, these toxic chemicals eventually make their way to the creeks, rivers and bay – creating havoc along the way. Use chemicals as a last resort.

7. Mow your Lawn at the Proper Height
Set your mower blade to a height of 3 inches and make sure to keep the blades sharp. A lot of people cut their grass way too short, and this keeps the grass from getting ahead of the weeds. It also prevents the grass from establishing a firm root structure which will help sustain it through a drought.

8. Reduce Your Overall Lawn Size
There is a difference between your yard and your lawn. Most of us want a big yard – but that doesn’t necessarily mean a big lawn. Figure out how much lawn you really need and reduce the grassy area to the smallest amount necessary. Replace the rest with a buffer of native trees and shrubs and gardens. These areas will prevent soil erosion and soak up excess nutrients before they reach the bay.

9. Use Less Water
Grass lawns in our area naturally go dormant during the drier parts of the summer season. When the rain returns, your lawn will green right back up again. Some of the above tips will also help you to cut back on the amount of water you use. Make sure when you water your lawn, you do it rarely and thoroughly – until water can no longer be easily absorbed into the soil – but not so much that the water starts to run off. Whenever possible, water later in the afternoon or at night. And if rain is coming in a day or two – you might want to hold off all together.

10. Provide Wildlife Habitat
Wildlife such as birds, chipmunks, squirrels and other animals need a source of food, water and shelter – especially in areas where development has taken away their natural sources. These animals all play a vital part in our ecosystem. By giving them an area in your yard to thrive – you’ll be helping to boost the ecosystem of the region as a whole.

Here is a list of helpful tips for all of the above:

Anne Arundel County: Yard Waste, Yard Cycling and Backyard Composting

Guide to Composting

Compost Guide

Chesapeake Bay Foundation

FHA rates are raised for Anne Arundel County

So, here’s the deal:  as part of the new economic stimulus plan, yesterday the FHA has raised the limits on what the loans they’ll guarantee.  You can read more about the story on bankrate.

What this means is in the long run is the following: It is easier for FHA loans to be resold – because they are guaranteed by the government.  Since the limit in Anne Arundel County has been raised to $560,000 for a single-family-home – more people will be able to get FHA guaranteed loans to purchase their homes.  Previously, the FHA limits were too low to mean anything for a lot of people in our area.

This also means that once all of the shake-out is done with these new limits – a lot of loan companies will raise the limit where they’ll consider a loan a jumbo loan, and this could be a reduction in the mortgage rates for higher-priced homes.

Dogs Can Affect Homeowners Premium

Dogs are wonderful pets and often do their part to keep your home safe – and fun.   But unfortunately they can cause trouble also.

1/3rd of all homeowner insurance claims are related to dog biting.  According to insurance industry statistics, dogs bite nearly 5 million people every year – accounting for 800,000 injuries – and 70% of the attacks happen on the dog owner’s property.

In today’s world – where people (and lawyers) are anxious to sue – homeowners (and renters) who own pets should review their insurance policies to makes sure they are covered in the event of an unfortunate accident.

But not all pet-related claims are for bites.

For instance, if your pet causes someone to trip or fall and they end up breaking a bone – you may be held responsible.

A Texas case awarded a bike rider $1.8 million for severe injuries when a dog darted in front of him.  The dog wasn’t attacking and no bite was involved, but the dog did cause the accident.  In this case the insurance claim was split between the dog owner and the home owners association (which was part of the lawsuit because they had not enforced their own leash laws ).

Check with your insurance provider to see how much coverage you have for pet damage.  And keep your dogs safely leashed for themselves and others.

Plumbing Checklist

Here is a quick checklist to keep your house dry:

√ Monitor your water pressure and know where the shut-off is for the water coming into your house

√ Inspect hoses leading to indoor faucets, the dishwasher, washing machine, water heater and ice makers.  Repair or replace if necessary.

√ Recaulk around tubs, showers, sinks and counter-tops as necessary.

√ Check the caulk and seals around windows and doors

√ Conduct a roof check once a year (fall is a good time ~ when you are cleaning out gutters or putting up Christmas lights)

√ Don’t leave home while the dishwasher is running.  The dishwasher drains into the sink and if the sink drain is clogged, the dishwasher will overflow the sink.

√ Repair little leaks before they become big leaks.