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Author: Hayley Hoatson

HomeArticles posted by Hayley Hoatson (Page 3)

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Finance

Personal loans are financial advances provided by banks, which allow individuals to borrow a sum of money to be paid back over a period of time, such as 12 to 24 months, at a fixed interest rate. Unlike mortgages and car loans, personal loans can be taken out for a variety of expenses, such as debt consolidation or funding for major projects or expenses. Personal loans often have higher interest rates than secured loans because they do not require collateral. It's crucial to assess your financial needs to decide if taking a personal loan is wise or risky. Advantages of Personal Loan Personal loans often have fixed interest rates and consistent monthly payments, which can help with

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Garden

Timing is everything when it comes to gardening, especially when it comes to winter weather. Plant too early, and a surprise frost will kill your seedlings; plant too late, and you'll have missed the optimal growing season. That’s why cracking the code of your region's last frost date is key to a successful spring garden. But it’s not as simple as looking at a calendar—understanding frost dates requires a blend of climate data, local knowledge, and gardening experience. In this article, we discuss how to determine your local frost dates and successfully plan your planting calendar. Whether you're a seasoned gardener or a beginner, knowing frost dates is the key to ensuring that your spring garden

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Uncategorized

In an effort to make our homes truly feel like our safe places, a design trend is on the rise that increases property values while, at the same time, making homeowners want to stay put. This trend? The indoor-outdoor living experience, where homes are designed to flow seamlessly from indoor living to outdoor fun. Let’s take a look at what you can do to make your home flow from the inside out. Evolution of Outdoor Spaces Historically, our indoor and outdoor living spaces have been viewed as two separate spaces used for two very different things. Now, we are looking to make our homes flow better to accommodate both our needs, which are indoors and outdoors at

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Decor

What is a kitchen without glorious cabinetry and fun appliances, all complimented by a stunning backsplash? As both a utilitarian requirement and an opportunity for personal expression, your kitchen backsplash can make or break your overall kitchen design. The correct design can transform the look of your kitchen while saving your walls and creating the right atmosphere for both daily meal prep and occasional dinner parties. Here are nine beautiful and smart kitchen backsplash ideas to inspire your future renovation. 1. Classic Subway Tiles with a Modern Twist Subway tiles are a timeless classic that you can customize to your taste in different ways. For example, you can use different grout colors or placement patterns, such as

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Decor

Heirlooms are not just objects; they are tangible symbols of our family’s history, with stories and memories that define our heritage. Having these treasures within our homes not only honors our ancestry but adds authenticity and personality to our everyday lives as well. However, as we pass down heirlooms, it can be challenging to find new ways to display, use, and make them ours. After all, our heirlooms proudly showcase our past but still need to balance and complement our personal interior design styles. Let’s look at five creative and careful ways to display family heirlooms, blending history and personal style to honor your family's heritage in your home decor. Understanding the Significance of Family Heirlooms Family

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Decor

There's a reason history's most brilliant minds—from Benjamin Franklin to Maya Angelou—had morning rituals. In fact, a 2012 study published in the journal Emotion confirmed that positive morning routines significantly boosted mood and productivity throughout the day. A morning room, when thoughtfully curated, can be your own headquarters of clarity, focus, and peace. Whether you live in a large suburban home or a small city condo, transforming a space into a refuge isn't about luxury; it's about strategy. In this article, we examine some ways to do that, combining design psychology, handy tips, and unexpected advice. Mood Over Color Consider how you want to feel in the space when creating your morning room. Creating a welcoming and inspiring

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Garden

Using the right fertilizer is an absolute must when creating the perfect garden. The right fertilizer is key to producing a thriving garden for all to admire. Understanding the different types of fertilizer will help you select which one best meets your requirements. So, what fertilizer would best suit your garden, and how can you use it to make all your plant dreams come true? 1. Organic Compost Organic compost is one of the most helpful fertilizers in the garden. Since it is rich in organic matter, it improves soil structure, enhances water retention, and provides essential nutrients that are slowly released into the soil and suppress the growth of weeds. Experts advise that it be incorporated

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Organization

Decluttering one’s home can be an overwhelming physical and mental nightmare. We all know how quickly our homes are filled with things we don’t need, don’t use, and don’t want. But with careful planning and an efficient routine, we can help maintain a clutter-free home with some quick and easy weekly habits. Why Decluttering is Important An overly cluttered home—even those far removed from “hoarding” status—can pose many issues for day-to-day living. Kids, pets, and adults step over piles of household and personal items, never packing them away and increasing the chances of someone falling flat on their face. Additionally, too much clutter can attract vermin, insects, and other creepy crawlies that pose threats to your home,

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Garden

As cute and fluffy as cats might be, they can be a nuisance that is hard to deter. With dug-up flower beds, territorial bathroom habits, the need to nap wherever they are comfortable, and an inherent stubbornness, keeping cats away from your garden is nearly impossible. However, some natural plants, oils, and herds can help keep them away from your beautifully growing garden. 1. Lavender The lavender bush is beautiful and delicious to look at and smell. However, cats don’t necessarily feel the same way. The plant has a chemical compound called " linalool.” This compound is often found in insect repellants and produces a scent that cats are likely to turn their noses up at. While

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Finance

In the world of houseplants and veggie gardens, a new trend is emerging—hydroponic gardens. The concept is fairly simple: growing plants in nutrient-rich water, forgoing the need for soil. This method of plant growth allows you to enjoy the plants’ foliage and fascinating root systems. The best part is that plants grown in water are extremely easy to take care of and keep alive! 1. Lucky Bamboo The Lucky Bamboo (Dracaena Sanderiana) plant is said to bring good luck to its grower and prefers bright, indirect light. The stalks can be trained to grow into spirals or woven shapes, but ensure that they are secured in the vase as they can become top-heavy as more leaves grow.