Starting a vegetable garden can be done regardless of how much space you have. You can start your new garden in a large yard or in smaller areas like a terrace, balcony or even on your window ledge.

Just imagine sitting down to dinner and reaping the benefits of your hard work as you crunch on peppers, carrots or brussels sprouts.

The first step will be to create a plan. Where will your new garden go? How much time do you want to spend tending to your garden (this will determine what plants you will grow) and how to structure your space.

I recommend that you start small and learn as you go. If you plant too many, you are setting yourself up for failure. You will need to learn what will work for your garden and maintain it, which could be…

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One of my favorite spring-cleaning tasks is cleaning out my closets. My number one piece of advice; always take everything out of your closet and start fresh. After you have removed everything, you should dust, vacuum or sweep. Giving your closet a deep clean will help your clothing smell fresh.

Once you have a clean blank canvas, it will be easier to organize, sort and decide what you want to keep and what you want to donate. I recommend that you sort your cloths into several piles.

Out with the old, in with the new. A few smart steps can make all the difference when you're cleaning out and organizing your closet.

1) Keep- This pile is for the items you love the most and wear the most.

2) Donate- If you have not worn an item in a very…

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On average closing costs run between 2%-5% of the purchase price. However, the buyer is not the only party that must pay fees at closing. Sellers must pay for both their real estate agent's, and the buyers agent's commission that is typically 6% of the sales price .

As a buyer, you’ll likely be responsible for a variety of fees and expenses that you and the seller will have to pay at the time of closing. Your lender must provide a good-faith estimate of all settlement costs. Your attorney conducting the closing will tell you the required amount for:

  • Down payment
  • Loan origination - This covers the lender’s administrative costs. It’s usually about 1 percent of the total loan but you can sometimes find mortgages with no origination fee.

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NAR (National Association of Realtors) shows that buyer demand is strong. Nationwide, the best time to sell a home to both maximize return and minimize time on the market is in spring. People tend to shop for homes as the weather gets warmer, making the spring market hot. 

Many homeowners were reluctant to list their home over the last couple of years for fear that they may not find a new home to move in to, but with the market change, sellers are ready to list. 

Today’s competitive environment has forced buyers to do all they can to stand out from the crowd, including getting pre-approved for their mortgage financing. Buyers know exactly what they can afford before home shopping. This makes the entire selling process much faster and simpler.


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