Tropical Style

The way to Prune Dwarf Black Olive Bonsais

The dwarf black olive tree (Bucida spinosa) is widely used in bonsai. The flat-topped branches, horizontal leaf, and also twisted trunk make the dwarf black olive a natural match to the Chinese art. The tree branches generally depart the back at a 25 to 35 degree angle, which make the tree visually interesting and can be incorporated into its shape. The tree is considered an evergreen, but occasionally is semi-deciduous, so don’t worry if the leaves of the plant turn to fall colors and drop off the tree. This is a normal part of the dwarf black olive increase and does not mean that you damaged the tree through pruning.

Remove any dead or damaged branches from your dwarf dark olive tree. Remove any branches that grow vertically, cross across the back of the tree or cross on each other.

Cut away at least one of the branches at any point where two or more branches grow out from the back at the same height, to avoid symmetry. When there’s a weak place on the back, ignore this rule and depart as many branches there as you possibly can support growth until the back is stronger, at which stage branches growing directly opposite each other may be cut away.

Examine the width of the tree branches and remove any thick branches from the surface; the branches of the tree should be thickest at the bottom, gradually narrowing since the work their way up the back. Consistently use concave pruning shears when eliminating heavy divisions.

Trim any branches that have grown outside the shape you desire to your tree.

Pinch back new growth each spring or fall, before or after the growing season, gripping the tip of the shoot securely between your thumb and index finger and pulling it off with your other hand, permitting the shoot to break naturally at its weakest point. Shorten new development or remove it if you don’t like where it is, but never remove all the tree’s newest growth at once.

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Protection for Growing Peaches From Worms

Sweet, tangy peaches (Prunus persica), growing in home orchards and yards, are vulnerable to pest and disease damage. Peach attract borer worms and other pests. Borers feed under the bark and assault peach trees and other stone fruit trees. It is possible to control most pest attacks with pesticides. Knowing early signs of infestation may help protect the tree and its fruit harvest.

Peachtree Borers

Two kinds of borers affect peach trees. The greater peachtree borer (Synanthedon exitiosa) Expand under tree bark to feed on sapwood. Stripped bark and bare wood are indications of borer infestation — a weakened tree invites additional pests and disease. Insects attack near the ground line and may kill young trees by cutting off nourishment to the back. Peachtree borers frequently enter the wood through cankers and pruning scars. Damage contains masses of gummy, sappy liquid mixed with sawdust on the outer bark of trees. Lesser peachtree borers (Synanthedon pictipes) infest upper areas of the tree’s trunk and branches. Both borer species produce larvae that live in bark through the tree’s dormancy. In spring, larvae mature into adult borers. Female borers each lay around 400 eggs into or under the tree’s bark.

Indications of Borer Infestation

Peachtree borers, though they look like wasps, are really moths and watching out for pest damage is a step toward protecting stone fruit trees, notes Ohio State University Extension. Inspect trees throughout early spring pruning — borer activity may be present if there are holes in woody branches or the trunk. Pheromones attract male borers to females, therefore traps featuring these synthetic substances can ascertain when to use insecticides to larvae. Traps for lesser peachtree borers should be hung in late April. Traps for greater peachtree borers should be placed on the tree in late May. Each snare, when monitored weekly, approximately determines the number of borers are in the tree.


Applying pesticides before borer eggs hatch might help control infestation, especially when trees are young. For protection during their first year, new trees should absorb pesticides into roots before planting. In the second year, use pesticides to back bark and around the base of this tree. Generally, the number of chemical programs needed depends on how badly infested the tree is also if you’ve got either one or two kinds of peachtree borer. Chemicals for use on peachtree borers include paradichlorobenzene crystals (PDB), endosulfan, carbaryl and permethrin.

Pest Issues

Even though borers are a common threat, peach trees are vulnerable to a number of other pests including aphids, mites, stink bugs, thrips and scale insects. Insect injury can lead to foliage to yellow, premature leaf curl and drop, honeydew excretion and sooty moulds on fruits. Twig borers, scale and comparable pests may weaken, damage or destroy twigs, branches and, in serious cases, entire trees. Some insects, such as San Jose scale, are preyed upon by 2 beetles, Chilocorus orbus and Cybocephalus californicus, and a couple of tiny wasps. Chemicals for basic pest and pest management include malathion, methoxychlor, dormant oil and fixed copper.

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DIY Fence Basics

A fence may serve a variety of uses, including demarcating landscape sightlines, providing physical or visual obstacles and establishing boundaries. There is a manner of fence for every function and although fashions vary, they typically have the exact same standard components and the building process follows the exact same basic actions. That process can be challenging, however, by site-specific considerations which have sloped or rocky terrain and jarring landscape features, like trees and shrubs.

Elements of a Fence

Whether made of wood, vinyl or metal, all purifiers have articles and though it is possible to build a fence without rails, most have those too. The poles that define the corners of the fence are known as anchor articles, while those in between them will be known as line articles. Some long boundary fences contain little more than poles and rails, however, the rails may also hold a covering of wood or plastic forks, wire mesh or some other material. Each fence needs an opening somewhere along its length so you are able to pass from 1 side to another and the opening might be protected by a gate.

Placing Posts

Fence structure normally begins with erecting the backbone articles which define its perimeter, followed by placing the line articles. Builders generally bury articles made of pressure-treated timber in holes full of gravel or concrete, but some maintain that bolting them to article holders set in concrete stops wooden poles from rotting and results in a longer-lasting fence. The typical spacing between poles is about 8 feet, but it may be smaller when extra strength is required in a windy location or when the fence should adhere to a steep slope. Gate articles need additional encouragement, particularly if the gate is wide and heavy.

Rails and Fence Coverings

Most fences have bottom and top rails which extend between each pair of articles. Screws or nails are generally sufficient for holding wooden rails to wooden poles, and metallic rails typically attach with special brackets. You can make certain each rail is horizontal by checking it with a level. Wooden slat styles incorporate adjacent boards twisted to one side of the rails or alternating on either side, horizontal slats, widely-spaced pickets and planks attached straight to the poles without the requirement for rails. When erecting a steel fence, then you are going to require a come-along to stretch the mesh and a screwdriver to tighten the brackets to carry it.

Finishing Touches

Any wooden fence will last longer if you coat it with a protective finish and one with a high pigment content blocks sunlight better than a crystal clear finish. Stains are easier to use to rough-sawn fence timber than paint, therefore that the very best fence complete is frequently a solid latex or oil-based stain. Fence builders often end a job by constructing the gate. It needs to be around one-half-inch narrower than the gate opening so it will open and shut smoothly. Gate hinges are easy to mount; they typically screw into the front of the gate.

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Decorating Guides

Matching Corian to Oak Cabinets

Offered in a variety of shades and patterns — 110 in the time of publication — which will complement and improve oak cabinetry, Corian can be utilized for your counters, sink and sink alike, creating a seamless appearance. The insulation is resistant to most stains and can be mended in your house if the need ever arise. Layout and contour are limited only by your creativity as Corian can be easily molded and formed to any shape. *For consistency, all cabinetry discussed is solid red oak with a natural finish to highlight the grain *.

Light and Beachy

If your thoughts are tending toward a mild neutral that is going to keep the kitchen feeling warm, try either **Clam Shell or Burled Beach**. Clam Shell is the lighter, more neutral of both with only a subtle pattern and small color variation; whereas, Burled Beach introduces both yellow-brown and gray-brown tones and veining to its layout. Both have adequate gray they’ll highlight stainless steel appliances without allowing them to dominate the space. Consider a light maple floor to enable the cabinetry and counters to shine.

Dark and Earthy

**Deep Caviar** is a warm, dark chocolate brown with no notable pattern which will pull the darker oak grain and diminish the influence of the oak’s natural yellow undertone. Add in an earthy element by installing a backsplash in **Basil**, which features [“dramatic waves of green and nutmeg fennel peppered with gold metallic sparkles”]( The material’s natural movement sends the eye around the room while picking up on stainless steel and nickel accents. Paint the walls a muddy green and the lines of either olive or sage.

Icy Cool

Hazelnut is a cool white with motions of gray and brownish coriander. But depending on the lighting and other materials utilized, **Hazelnut** occasionally appears to also consist of green tones. The grays and browns improve the darker tones of this cabinetry while the white and dark gray hues create maximum flexibility for either white, black or stainless steel appliances. For the ground, install big dark gray-brown tiles compared to glossy white glass subway tile and accent glass mosaic band with chrome or charcoal accents. Layer in white ceramics and glass via lighting and accessories.

A Different Dimension

From afar, **Elderberry** looks like the ocean, featuring multiple shades of dark blue. Upon closer inspection, you can also see white highlights and speckles of black and gold. It’s both dark and dramatic. To lighten it up but keep the flow moving between counter and backsplash, consider **Venaro White**, a white-on-white pattern having a gentle marbleized appearance. Conversely, choose a gray and white flat strip mosaic. Both backsplash options will maintain the feeling of movement, and the kitchen will feel cool but refined.

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Decorating Guides

DIY Storage Shelves for a Room Divider

Well-positioned shelving can double as a space divider, enhancing design flaws and increasing storage requirements. Explore DIY notions using poles, windows, ladders or novels as the starting point for half-wall or full-height layouts. Safety is optimal; build a tall divider only if you’re able to properly secure it to joists or even a neighboring wall to keep it from toppling.

Boxed in

Wood crates, particularly vintage crates, such as old apple poles, come with glowing charisma and hardy storage possibilities. Stack same-size boxes on their sides, lengthwise, offsetting them brick-style for equilibrium and a stepped or zigzag effect. Face another one backward for two-sided use. For security, only stack them to half-wall height. A half-wall divider is ideal for entryway separation, shoe storage and light flow in an open-concept dwelling. If you intend to generate a tall divider, fasten the crates with wood screws, and affix the unit to your wall fireplace using brackets. For a modern effect, build the divider from white or bright-colored plastic crates.

Rung Out

When an older stepladder can no longer be trusted because of its intended use, upcycle it like a room-divider shelf. Lay weathered planks across each teeming and its opposite back rail as glowing shelving; seal the entire unit for bug-free storage. Keep any heavy items on the bottom; an attached pail shelf at the top is a bonus and handy for lightweight storage. Line up two or three ladders to fill in a wide span. Bushy hanging plants fill V-shaped voids in between, if you position the ladders feet, as opposed to side by side. An alternative is to make a vertical row of three or three standard or single ladders a foot or so apart as multilevel pot-hanger-style shelving, again securing the top ladder to joists using chains.

Stacked Up

Bookshelves are common room pillars, but shelves made of books — perhaps not so much. It’s simple: Utilize wide, matching height — 1-foot or-so — hardcover or magazine stacks to hold the end of each shelving panel. The panels must carefully match the books’ width, and the unit must not stand overly high –, half-wall height or so — to get security. This job provides a way to set a vintage, dust-collecting novel or magazine collection to use, while showcasing it at an unusually creative manner. Form the notion of more stature on a short divider by organizing tall, lightweight silk plants or vases of divisions or dried ornamental grasses on the top shelf.

Ceiling, Down

Turn a few antique wood-framed windows to your light-filtering space divider. Etched glass or frosted movie offer solitude. String the windows with floor joists to ceiling joists, using eyehooks and chain; find solid joists using a fireplace. Cut a narrow plywood shelf to position lengthwise between the chains, perpendicularly below each window, securing it using wood glue and screws. Paint the window-ledge-like shelves to complement the window frames, and use them to get lightweight storage. A hanging window divider is a focus on its own, but one created from framed stained-glass amplifies the artful effect.

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Decorating Guides

How to Glaze Using a Gel Stain

When you cemented a stained finish, it offers a way to deepen the colour, alter it or include antiquing consequences. You can use glazing chemical and include your seeds or you can do what many woodworkers use and do use gel stain instead. As a penetrating pigment stain like liquid stain, gel stain’s thick consistency makes it an excellent double for a glazing compound. The secret to beautiful glazing is appropriate preparation of the wood.

Gel Stain Enhancements

Gel stains don’t penetrate unfinished wood as deeply as liquid stains, which makes them more suitable for staining wood with knots and other grain irregularities. When you apply a gel stain to unfinished hardwood, you wipe it on with a cloth or sponge, make it time to sink, wipe the gel off with another cloth, leaving only a layer of coloured wood. The process is the same once you use gel stain as a glaze, however, the distinction is that the wood already includes a finish, and it may already be stained.

Glaze Planning

Before you apply a gel stain, it’s important to seal the wood with a finish; staining the wood seals it into your level, but it also ought to have a picture finish. A coat of lacquer sanding sealer or shellac is perfect, but you might also glaze over a coat of water-based acrylic or polyurethane. To prepare the wood for glazing, apply the stain, then allow it to dry for one to two hours, then apply one coat of finish. Sand the end with 220-grit sandpaper once it dries. This provides the smooth substrate that you require for glazing.

The Stain Color

If you want your glaze to provide color overtones and shading, you must use one that’s either the same colour as the wood stain or one that’s darker. You can also alter the hue of the base color by utilizing an appropriate gel stain. As an instance, utilizing a Cabinet gel stain to glaze over a pine cabinet stained with a golden oak stain gives the cabinet a reddish tinge, and that will make it even more at home in a room with a sunset motif featuring terra-cotta colours and indirect light. Another strategy is to add frosting by glazing with a white or light gray gel stain.

Stain Application and Protection

Because the wood already includes a finish, you don’t have to take care when applying a gel-stain glaze. Wipe the gel over the surface you’re glazing at a circular movement, and if you’re aiming for shading effects, perform it into corners and crevices around trim along with other capabilities. The sum you wipe off with another cloth controls the shading as well as the tone of this finial finish. Always wipe with the wood grain and avoid leaving streaks. Give the stain eight hours or more to dry before protecting it with a coat of the finish of your choice.

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Decorating Guides

What Color Walls Move With Teal & Brown?

The wall color in a space with teal and brown pendant can turn this land-and-sea duo to a scheme that is vividly pronounced or gently reserved — it is up to you. Choose the walls’ color by matching your style preferences to the room’s function, whether it is a space for sleeping, socializing, sauteing or imprisoned.

A Bright Kitchen

A kitchen in snappy colors kick-starts your culinary adventures and revs your own appetite. Use a high-contrast wall color as the catalyst for this kind of daring design. On the color wheel, across from cool blue-green sit warm pink, red and coral hues. Select from these warm shades to fit your preference, but keep your choice in accord with this teal’s balance degree — vivid pink with bright teal, like. For balance, the wall color should not overshadow or look washed-out by blue-green dishware, tea towels and canisters. Espresso, walnut or mid-brown pine cabinets or furniture help to stabilize or anchor the room’s sass.

Coolness in the Bedroom

It’s no secret that cool colors relax the senses, making them suitable in the bedroom. Cocoon the room with light blue or light green walls for a small contrast behind pale teal components, using textured fabric or paint wallpaper. Varied textures keep a cool-colored space from appearing flat or stark. A pale-brown rug warms your toes and enhances walls, teal-on-white bedding, a white bedside table topped with a classic teal-tinged mason jar of baby’s breath sprigs, along with other white and soft-teal accents throughout. Lush, lined, velour drapes in light brown tie into the ground and prevent daylight on day-off mornings.

The Social Setting

Should you believe brownish a dated shade, then introduce it to grey. Silvery-gray walls behind overstuffed brown furniture is an uncommon but tempering mixture. A greige (gray-beige) rug with a brown and gray pattern makes sense of this color pairing. Contemporary teal cushions, watery-colored stained-glass art and teal-colored hydrangeas jump out from their neutral-colored environment. Bright yellow curtains and a couple of sunny-yellow touches spike the space with much more modernity.

Welcome With Color

The entryway gives guests their first glimpse of your house, therefore make a welcoming impression by keeping it tidy and airily coloured. Pure white walls, though bright, can be too stark, but tinged with buttery yellow, they offset a brownish coat rack, wood flooring, teal-tinged sheers and an antique or distressed teal-painted dresser and attached mirror — yes, you can use dressers in rooms aside from bedrooms. It’s not about your visitors, however; a good-looking entrance welcomes you, too, every time you return home.

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Budgeting Your Project

The Way to Get Prequalified for a Mortgage

Prequalifying for a mortgage does not mean you will automatically be entitled to a loan, but it can get your home hunt began on the ideal foot. When you prequalify for a mortgage, then you take a list of your own income, debts and assets and send them to your prospective creditors. This gives creditors the information they want to evaluate your program before you have a deadline and gives you an notion of what price range you can afford. It also shows lenders you are financially responsible enough to assess your finances before shopping for a home and may speed things along when you make an application for real.

Visit your lender branch or site and ask for a prequalification form. For instance, Bank of America’s site provides an internet prequalification form it asserts it is possible to fill out in under 10 minutes.

Fill in the shape. Prequalification types vary, but creditors will often ask for your address, purpose of your loan, purchase time period, amount you plan to borrow and the type of property you need to purchase. You will also need to offer a history of your employment and evidence of income.

Authorize your lender to perform a credit rating. The Fair Credit Reporting Act requires creditors to ask customers to provide a credit report authorization and release before running a credit rating.

File your application. Online applications may get a response in minutes. Other programs may take weeks or days to get a response.

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Budgeting Your Project

How Can I Bid on a Foreclosed House?

When a homeowner can’t make his mortgage payment, then the lender could take the home back, a process called foreclosure. The house is then put on the market, sometimes at a cost substantially lower than market value. This makes foreclosed houses attractive to both consumers and investors looking for a bargain. Although there may be more competition and there are no warranties that the house is free of defects, the procedure for bidding on a foreclosure isn’t terribly different from that of purchasing any other home.

Find a lender and apply for a mortgage, unless you will be paying money for your home. Your creditor will advise you as to what documents you want to present to your underwriter. These typically include copies of tax returns, bank statements, pay stubs and also a list of your debts and the amount paid on them every month.

Hire a realtor. Most lenders will only entertain bids presented by accredited real estate agents. Consult your lender for a referral to someone she has worked with and urges.

Decide on a foreclosure home you want to buy and have your property agent compose the bidding. If the house is fresh to the sector and appears to be a fantastic bargain, bear in mind that you may be competing with investors, therefore make your best and highest offer and allow it to be subject to performing an inspection of the state of the house. If the house has been sitting on the market for a while, it’s either overpriced or there are significant defects. A lower offer would be appropriate under these conditions.

Prepare yourself to cover an earnest money deposit to follow your purchase agreement. The amount of the deposit varies by area, and your realtor can advise you on this. Some lenders just provide you a few days until you will be required to forfeit the deposit should you not obtain the house, so make sure you schedule all inspections immediately.

Hire a licensed contractor or home inspector. If the house has been on the market for more than a month, then have the review done before you place the offer. Most foreclosed houses are sold within an as-is condition, and the bank will not cover any repairs. It is a great idea to know the area of any work that should be done so you can cost your offer so.

Request that your broker submit your bid and wait word from your bank as to whether it’s accepted.

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Budgeting Your Project

What Will Boost Home Equity?

One of the primary advantages of owning a home is the chance to construct equity. Equity is the portion of house which the owner has already paid off, or the gap between the property’s value and the owner’s overall debt into the mortgage lender. On the path to 100 percent equity, in which the homeowner owns the house , building equity may be a large advantage in handling personal finances and profiting from a home sale.


Homeowners have plenty of reasons. More home equity means the chance to borrow more money with a second mortgage in the form of a home equity loan or a home equity line of credit. These loans offer money for funding home improvements, paying medical bills, funding a child’s education or buying consumer products like a new car, boat or RV. Home equity allows the owner put that money toward a house or retirement savings and to gain more from selling the home.

Down Payment

Upon buying a house, the first down payment that a mortgage borrower earns is the very first step toward building equity. A typical 20 percent down payment gives the borrower just 20 percent home equity, which is measured as 20 percent of the house’s fair market value. A larger down payment means more equity, and may also reduce monthly mortgage obligations.

Mortgage Payments

Each mortgage payment that a homeowner earns includes a portion of the principal of their loan and interest that accrues every month. The primary part goes toward building equity equity, and with every passing month the homeowner has slightly more equity. Making double payments may speed up the process and cause more equity faster. Homeowners who have an interest-only mortgage lose the chance to construct equity, since they briefly only pay interest in order to maintain payments at an affordable level.

Home Improvements

Anything that increases the value of a house also increases the owner’s equity. This is home improvements could be such investment. Homeowners who invest in regular maintenance, together with other jobs like improvements and renovations, are helping to boost their equity while at the same time making the home a more enjoyable place to call home. Landscaping, new fittings and adding energy-efficient appliances boost home values and increase the owner’s equity.

The Real Estate Market

Finally, the real estate market itself may cause large changes in home equity. The supply of homes on the market and the demand from home buyers may drive home worth up or push them down. When mortgage rates are low, more buyers may be in the current market, which may lead to home values to rise and current owners to gain equity. Improvements in a neighborhood or area that make it a much more appealing place to live could have the exact same effect on a local level.

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