Author Archive: Ruth Collins

Small Business Administration Background

October 1, 2019

The Small Business Administration was established in 1953. Since that time the agency has dispensed millions of dollars in loans and loan guarantees, contracts, consulting assistance and other programs for small business across the United States.

This post is aligned with a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

For more information on small business grant and home ownership programs visit TopGovernmentGrants.com.

Community Development

Top Notch Organic Gardening Ideas To Increase Your Crops!

September 30, 2019

Vegan, vegetarian and other holistic practices have become increasingly popular as millions turn to organic foods for nourishment. People who want to develop a more environmentally friendly attitude may not know where to start to reap the benefits of organic gardening. Read on into the following paragraphs for organic tips you can use.

Get your kids to help you grow your organic garden. Helping a garden grow is an excellent learning experience for kids, and it allows your family to spend time together while creating healthy, nutritious foods.

You need to make sure you are very efficient when working in your organic garden. You do not have the time to spend an hour looking for each tool you need. Organize the tools you will need before you head to the garden, and put every item away when you finish your work. If you use lots of tools, consider using a tool belt or even just some pants that have lots of pockets.

Coffee Grounds

Put coffee grounds in your soil. Coffee beans are loaded with nitrogen, which offers nourishment for plants. Many times, nitrogen is a limiting nutrient in soils. Adding coffee grounds or compost can add nitrogen to your soils will help your plants grow tall and healthy.

You need to avoid chores in your organic garden stacking up. While you may not be able to spend a lot of time every day in your garden, even little items done daily will stop the mountain of work from growing. For example, snatch out a weed or two whenever you pass by the garden, such as when you take your dog out for a potty break.

When creating a compost pile, use dried plant materials and green plants in equal parts. Green plant material consists of spent flowers, veggie and fruit waste, leaves, weeds, and grass clippings. Dried plant materials are things like shredded newspaper, cardboard, sawdust, straw, and any cut up wood materials. Avoid using ashes, charcoal, diseased plants and meat-eating animal manure.

Organic Gardening

As you pick up more tips, acquire new techniques, and learn more in general about organic gardening, you will find organic gardening becoming easier for you. There is a lot more to learn about organic gardening.

Community Development

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Using Natrually Occuring Plants And Trees In Your Landscape

September 29, 2019

It might seem like a difficult endeavor to landscape your yard, but it’s easier than you think. You will find landscaping to be easy, as long as you become as informed as possible. This article has lots of useful landscaping ideas.

When planning your landscape incorporate native plants and shrubs into your design. Using local plants and trees can save you a lot of headaches. Plants that are local to the area will do their best in the worst soils, require less water and will survive the terrible weather conditions.

Before beginning your project, make sure to have a list of every item you need. You do not want to begin your project and then realize something is missing, which would result in you having to stop working.

Take your soil in for for testing prior to starting any landscape or gardening project. Running these tests will make you aware of any quality issues with the soil and changes that need to be made before you put any plants in. Your plants will thrive, and your landscaping will succeed beautifully.

Many times a professional landscape architect or designer are not needed for your landscaping renovation. Using a professional landscaper can be quite expensive. Consulting with a landscaper or designer is not a bad idea, though, if you would like some tips and guidance before undertaking a project.

Before heading to your local garden store for plants and materials, take down exact measurements for your entire work area. It will be a lot easier to gauge the number of plants you need when you have the measurements mapped out. Having this knowledge will help you to avert buying too little or too much of anything.

As you mow, let some of the grass clippings stay wherever they fell. The decomposition of the grass will help add necessary nutrients your lawn needs which in turn will mean that you will decrease how much fertilizer you have to use.

Peat Moss

Peat moss will improve virtually any flower bed. Peat moss provides ground cover while also providing necessary plant nutrients. In addition to that, peat moss is also very attractive to look at.

Landscaping, as you have seen, can be a difficult task. While it may be daunting to some, by putting in the necessary study and time, it is possible to gain the skills required to add beauty to your outdoor spaces. If you know what to do, you’ll get it done right the first time. Use the tips you just read to improve your home’s landscaping.

Community Development

Grants from the Department of Health and Human Services

September 29, 2019

In 1979 the Department of Health and Human Services (HHS) was established in an effort to protect the health of all Americans and to provide essential human services to everyone, especially to those who are least capable of helping themselves.

This post is aligned with a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

Find additional information and resources on nonprofit information, educational grants and Civic Engagement programs from around the world.

Community Development

A Magnificent Home Improvement Project Starts With These Tips!

September 28, 2019

Have you reached a point of readiness in pursuit of home improvement? Nice choice! However, doing the job properly will require a great deal of hard work. Do you have the information you need to finish the job? Keep reading for the best information.

If you intend to launch a big home improvement project, consult with a professional designer. You risk some serious design and structural errors if you or a friend don’t understand some basic principles. A professional has the experience and knowledge to ensure that any changes made will contribute to the greater appearance and efficiency of your home.

When you’re doing work on your roof, three-inch aluminum tape can help you deal with any minor cracks that you find in the roofing surface. To use the tape, simply remove the paper backing from the tape and apply over the crack. You will now have a waterproof seal to keep out the rain.

Do some research on your own if you can’t pay a designer. You can find ideas online, in decorating books and magazines and on HGTV. Visualizing your home can help significantly. Use these resources to your advantage when remodeling your home.

Your paint cans could do with a few holes in their rims. The channel into which the lid fits typically fills with paint, and when you make an attempt to replace that lid, paint spills onto the can sides. With a nail, put several holes in paint can’s perimeter, in the bottom of that channel, to avoid a problem.ne

Aluminum Foil

Use aluminum foil to cover your outlet covers and switch plates before you paint. It’s easier to use aluminum foil, and it protects the outlets. It’s also pretty easy to clean it up. Just be sure to let the paint dry before you carefully remove the foil and recycle it.

If you were looking to do improvments on your home a didn’t know how to do it, these tips should put you on the right path. That’s great! If you need more help, read the tips again and do your best to remember them.

Community Development

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SBA Low-Interest Disaster Loans

September 28, 2019

Disaster loans can be utilized for the repair and rebuilding of non-farm, private sector disaster losses, and are available to all types of business, instead of being restricted to small businesses alone.

This post is aligned with a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

Find additional information and resources on small business grants and loans, home buyer programs and impact investment programs from around the world.

Community Development

SBA Low-Interest Disaster Loans

September 28, 2019

Disaster loans can be utilized for the repair and rebuilding of non-farm, private sector disaster losses, and are available to all types of business, instead of being restricted to small businesses alone.

This post is aligned with a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

Find additional information and resources on nonprofit information, educational grants and Civic Engagement programs from around the world.

Community Development

Home Buying Tips And Tricks Of The Professionals

September 27, 2019

Do not let buying property intimidate you because there are terms you do not understand. Don’t be afraid. The information here can keep this from happening to you.

Try not to be too aggressive when you negotiate the purchase of a property. Many buyers try to offer a real low offer; however, most times this approach will not get you the property that you want. Instead, offer a fair market price and let your Realtor do the negotiating.

Search for a spacious home if you already have, or are intending to have children. Review the house for safety concerns as well, especially if the backyard has a pool or the home has stairs indoors or outside. You are more likely to buy a safer home if you purchase from parents who raised kids there.

Houses that need some “tender loving care” are priced less. Purchasing one of these lets you save money, and you can put work into the home at your pace and on your budget. You are creating the exact home you want, while simultaneously adding value with every project. Take the potential of a property in consideration before letting the drawback discourage you. Your perfect new home could be hidden behind superficial drawbacks like bad paint or cracked paneling.

If you submit an offer for the home you love and the seller does not accept it, do not lose hope. For instance, they may offer to pay the cost of new carpet, or cover some of the closing costs.

Always remember to be flexible in your choices. There are trade-offs that must sometimes be made between buying in a particular neighborhood, buying the ideal house, and what you can afford. You may not be able to find your dream home in your dream neighborhood. However, you may be able to find your dream home elsewhere, or another home in your dream community.

When trying to make a good investment for your real estate, think about remodel or repair work. As you work on the home, the property value will increase and therefore, you will see the benefits of your investment immediately. The value of the home should increase more than the investment.

Real Estate

So, in reality, purchasing real estate is not as difficult as it might seem. It can get rather involved in regards to doing your homework and making good inquiries, but at the end of the day, the rewards are totally worth it. Take the above advice to heart, and you will be better equipped to make an intelligent real estate purchase.

Community Development

Enjoy Your Home More After You Use These Home Improvement Tips

September 26, 2019

There’s no reason that a home improvement project has to suck up an excessive amount of time or money. You can add a little style and flair to your home with simple improvements such as, new towels, bright carpet and new objects of art. Read on for some great ideas to liven up the look of your home.

If you are purchasing a home, hire an inspector. This will give you an objective evaluation and allow you to see things from different perspective. A third party is a great way to keep things civil.

Wood or tile floors are worth the expense if your budget can afford them. Real wood can be refinished, but laminate cannot. Years from now, you or the new owner are going to need to replace the entire floor, not just refinish it.

Make your home more energy efficient by putting weather stripping around your windows and doors. This is a cheap fix but can save you lots of money on heating and cooling costs for your home. It can even reduce those drafts that always seem to appear on chilly nights.

If you live in an apartment, condo, or small home without room for a washer and a dryer, consider getting a combo unit. Various combo washer-dryers can be fitted to replace the space for a dishwasher. These combos both wash and dry your clothing.

A new floor is a smart way to modernize any room. Reputable flooring companies install hardwood, carpet or tile flooring just in one day. Remember to visit a regular home improvement store to know your options.

Whether you want to do a total overhaul of your home or just update the colors, there are plenty of inexpensive options that you will love. Be creative and come up with a look you can take pride in. Keep the above tips in mind as you plan your home renovation projects.

Community Development