How To Use Newspapers To Kill Garden Weeds

April 22 is Earth Day, a day to raise awareness about, and to celebrate, the Earth’s natural environment. It’s also a day for people of Palm Springs to do something good for the planet.

There are lots of ways to help the environment, including by reducing your net electricity usage, by conserving fresh water supplies, and by planting trees. You can also reduce the use of chemicals and pesticides in your home’s garden or yard.

One such trick is replace chemical-heavy pesticides used for weed killing with your local newspaper instead. Newspapers can be effective in killing weeds, and preventing new ones from growing, while also protecting the Earth from contaminants.

The method is basic — use a wet newspaper “carpet” blocks both sunlight and oxygen from reaching the soil, starving weeds that have already grown, and those that have yet to break soil.

Here’s how to do it :

1. Confirm that your newspaper uses soy-based ink — most local dailies do.
2. Stack a dozen pieces of newsprint and thoroughly wet it
3. Place the wet pages on the area affected by weeds
4. Cover the wet pages with a thin layer of mulch

That’s it. Over several weeks, the covered weeds will decompose into the soil, providing nourishment to other plants and vegetation. If you find that the initial newsprint stack “failed”, repeat the above steps, doubling up on the number of news pages and mulch.

Make sure that your newsprint is the “standard” newsprint, too. Avoid glossy circulars and coupon pages which use different paper and often use less Earth-friendly ink.

Tax Tips : What To Do With Your Tax Refund

The typical U.S. taxpayer will receive roughly $3,000 in federal income tax refunds this year — an average of $250 per month. So, what would you do with an extra $250 monthly? This segment from NBC’s The Today Show offers some advice. 

Whether you’ve already filed your annual taxes for 2011, filed an extension, or will squeak by on the deadline, you could probably be doing more with your taxes. The above video shares some tips. It’s four minutes of solid insight on tax refunds, tax withholdings, and reducing your household’s overall “bad debt”. There’s something for everyone.

Among the points covered in the tax refund piece :

• Consider changing your personal payroll exemptions so your 2012 refund is $0
• Remember that refunds are not “free money” — it’s your money. Spend wisely.
• Use your tax refund to fund retirement accounts

Advice is also shared about how to use your tax refund to fund a reserve account, or emergency fund. As a homeowner or home buyer in Palm Desert , applying tax refunds to a savings accounts in this manner can go a long way. When you’re a homeowner, maintenance costs can be sudden and unexpected. A furnace can explode, for example; or, a roof could spring a leak. Having money set aside for crisis is essential.

Having a savings account will also improve your household’s long-term financial stability. 

As a reminder, in most years, federal income tax is due April 15. However, with Tax Day falling on a Sunday and with the federal government closed for a holiday the following Monday, U.S. taxpayers in CA and nationwide get a reprieve until Tuesday, April 17, 2012.

Homebuilder Confidence Slips 3 Points In April

For the first time in 3 months, homebuilder confidence has slipped. 

As measured by the National Association of Homebuilders, the Housing Market Index dropped three notches in April to a reading of 25. The report measures homebuilder confidence in the newly-built, single-family housing market. 

When the Housing Market Index reads 50 or better, it reflects favorable market conditions. Readings below 50 reflect unfavorable conditions.

According to the scale, not since April 2006 have housing market conditions have been deemed “favorable” but, recently, homebuilder confidence has picked up. Between September 2011 and March 2012, confidence doubled.

April’s reading remains that second-highest since 2007.

So what does “builder confidence” mean? The formula is a little bit tricky.

The Housing Market Index is actually a composite figure. It’s the combined result of three separate surveys sent to homebuilders monthly. The surveys ask about current single-family sales volume; projected single-family sales volume over the next 6 months; and current home buyer “foot traffic”.

The NAHB compiles the results into the Housing Market Index.

In April, builder responses worsened on all 3 questions :

• Current Single-Family Sales : 26 (-3 from March 2012)
• Projected Single-Family Sales : 32 (-3 from March 2012)
• Buyer Foot Traffic : 18 (-4 from March 2012)

At first glance, the data reveals a weakening market for newly-built homes and this may be true; we won’t know for another few months whether April’s confidence setback is an historical blip or the start of a trend. The change in builder psyche, though, is a change that today’s new home buyers in Palm Desert can exploit.

Two months ago, builders expected 2012 to be a banner year for home sales. Today, they’re not so sure.

Buyers of new construction, therefore, may find it easier to negotiate with builders for price reductions, “free upgrades”, and/or other concessions. Plus, with mortgage rates still resting near historical lows, financing a newly-built home is cheaper than at any time in recorded history.

The Spring Buying Season is underway. For buyers of new construction, there are deals to be found.

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