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Living in a neighborhood with houses close together can make you feel as though eyes are upon you whenever you set foot in your yard. With some relatively simple modifications, though, you can have more privacy.

Ways to Make Your Entire Yard More Private
A fence can keep strangers from peering into your yard while youre relaxing outdoors or while your kids are playing. A fence can also keep strangers and wandering animals out of your yard to protect your family. Before you install a fence, check on the location of the property line and local zoning rules and discuss it with your neighbor.

Some people are offended if a neighbor puts up a fence. Hedges can be an effective way to shield your family from prying eyes that may be more appealing than a fence to the people living next door. If you plant shrubs and small trees in a variety of species, you can have beautiful colors along the perimeter of the yard that both you and your neighbors can enjoy. Visit a local garden center to ask for advice about species appropriate for your regions soil and climate.

If your backyard doesnt have any naturally occurring hills, you can create one or more berms, or small hills. They can raise any shrubs you plant to provide more privacy. Berms also drain better than flat plant beds.

A solid wall can be an attractive addition to your property that can increase privacy. You can make a wall seem less imposing by including a gate or some plants.

How to Make One Part of Your Yard More Private
You might be able to use an existing structure to your advantage. For example, putting a patio next to your garage or building a deck on a side of the house that already has trees can block that area from view.

Lattice panels are easy to install and can block one section of your yard. If you have a patio that you use for entertaining and dont want your neighbors to be able to see you and your guests, a few lattice panels can do the trick. Vines and flowers can add some color to the area. Just make sure the vines you choose arent too heavy for the lattice panels.

A pergola is another way to create a secluded space in your yard. A pergola can be an ideal location for a table and chairs to relax with family and friends. Vines and lattice panels can offer additional privacy.

Choose the Best Solution to Increase Privacy
Many homeowners find their dream home and realize after moving in that they crave more privacy. There are many ways to accomplish that goal. Explore a range of options, and familiarize yourself with local zoning codes and homeowners association rules before you make changes to your property.

Published with permission from RISMedia.

Most homeowners are bound to use a portable ladder at some point, whether it be for cleaning out the gutters, painting, inspecting the roof or hanging festive holiday decorations. When up on that ladder, though, its important to stay safe and avoid falls.

Every year, thousands of people across the country are treated in emergency rooms for ladder-related injuries. Although you might think you already know how to use a ladder safely, a little refresher couldnt hurt. Check out these 10 tips to help prevent an accident from the U.S. Consumer Product Safety Commission:

1. Use a ladder that’s the proper length for the job. It should extend a minimum of 3 feet over the roofline or working surface. Never stand on the top three rungs of a straight, single or extension ladder.

2. Make sure the ladder can support both your weight and the materials you’re putting on it by checking the ladders maximum load rating. Allow only one person on the ladder at a time.

3. Place your ladder on level and firm ground. It’s also best to have a helper hold the bottom of the ladder.

4. Never place a ladder in front of a door that isn’t locked, blocked or guarded.

5. Because metal ladders can conduct electricity, don’t use them near power lines or electrical equipment. Stick with wood or fiberglass ladders in these situations and use extra caution. No type of ladder should ever touch live electric wires.

6. Straight, single or extension ladders should be set up at about a 75-degree angle. To test if you have the correct angle, stand up straight with your toes touching the feet of the ladder as it leans away from you. Extend your arms in front of you. Your palms should touch the top of the rung thats at shoulder level.

7. Check all rung locks and spreader braces on your ladder to make sure they’re set.

8. Keep your body centered between the rails of the ladder at all times. Leaning too far to one side while working is dangerous and can cause you to fall.

9. Only use a ladder for its intended purpose, and follow the ladders instruction labels.

10. When youre done with the ladder, put it away immediately. Never leave a raised ladder unattended.

This brief list doesnt cover everything, but remembering these tips and practicing caution can help keep you safe the next time you need to use a ladder.

Published with permission from RISMedia.

A healthy lawn can make your home appear inviting to guests and can help you attract a buyer if you decide to move. Keeping your grass green requires commitment and an understanding of what your lawn needs and when.

When and How to Water Your Yard
Water the grass in the early morning so the water will be able to penetrate the soil, rather than evaporate, and so the lawn will have time to dry out before evening. Watering late in the day will leave the grass damp overnight and encourage the growth of mold and fungi.

Water your lawn deeply, rather than a little at a time. A thorough soaking will allow water to penetrate the roots and will make the grass stronger and healthier. The amount of water required will depend on the species of grass, type of soil, region and season.

The Right Way to Cut Your Grass
Before you cut your grass, make sure the lawnmower blade is sharp. A dull blade will tear the grass, and your yard may turn yellow and become diseased. The grass will then require extra water and nutrients to return it to a healthy condition.

Mow the lawn when the grass is dry and when it isnt too hot. Cut off only the top third of the grass, and leave the clippings on the lawn so they can decompose. They will provide the lawn with nitrogen, slow the evaporation of water and prevent the growth of weeds. If you cut more than one-third of the length of the grass, the roots will be shocked, the stems will be exposed to the sun, and they will likely burn.

How to Fertilize Your Lawn and Prevent Weeds
Fertilize the lawn in early spring and fall to help it grow green and lush. Be sure to follow the directions on the package. Keeping your lawn thick and healthy can prevent weeds from growing by not giving them the space and sunlight they need.

If you notice weeds growing among the grass, use a weed killer appropriate for the particular species of weeds. If you dont know the species youre dealing with, ask someone at a local garden center for guidance.

How to Aerate the Grass
Aeration is the process of removing small amounts of soil from a lawn. This allows air, water and fertilizer to penetrate deeper into the soil. Aeration also reduces soil compaction to create more room for roots to grow and removes thatch. You can rent an aerator at a home improvement store.

Get Expert Advice
Maintaining a healthy lawn requires a lot of work, but itll be far less overwhelming if you know what to do and when. Find out what species of grass you have in your yard if you dont already know, follow these tips, and ask employees at a local garden center or nursery for advice specific to your region.

Published with permission from RISMedia.

The kitchen is often considered the heart of a home, where you can feed and gather with family and friends. With all of its appliances, the kitchen is also a prime spot for you to practice energy efficiency and help reduce your utility bills.

For example, simply unplugging smaller appliances, such as your coffee maker, toaster and blender, when youre not using them can prevent them from draining small amounts of power that could add up over time. To further save energy in your kitchen, try these tips from the U.S. Department of Energy for using your dishwasher, refrigerator and other common appliances more efficiently:

Dishwasher

• Most of the energy used by a dishwasher is for water heating. Check the manual that came with your dishwasher for the manufacturers recommendations on water temperature; many have internal heating elements that allow you to set the water heater in your home to a lower temperature (120 degrees Fahrenheit).
• Be sure your dishwasher is full (not overloaded) when you run it.
• Avoid using the rinse hold on your machine for just a few soiled dishes. It uses 3 to 7 gallons of hot water each use.
• Let your dishes air dry; if you dont have an automatic air-dry switch, turn off the control knob after the final rinse and prop the door open slightly so the dishes will dry faster.

Refrigerator/Freezer

• Dont keep your refrigerator or freezer too cold. Recommended temperatures are 35 to 38 degrees Fahrenheit for the fresh food compartment and 0 degrees Fahrenheit for separate freezers for long-term storage. You can check the temperature using an appliance thermometer.
• Make sure your refrigerator door seals are airtight. Test them by closing the door over a dollar bill so its half in and half out of the refrigerator. If you can pull the bill out easily, the latch may need adjustment, the seal may need replacing or you may consider buying a new unit.
• Cover liquids and wrap foods stored in the refrigerator. Uncovered foods release moisture and make the compressor work harder.
• Regularly defrost manual-defrost freezers and refrigerators; frost buildup decreases the energy efficiency of the unit. Dont allow frost to build up more than one-quarter of an inch.

Other Kitchen Tips

• Place the faucet lever on the kitchen sink in the cold position when using small amounts of water; placing the lever in the hot position draws hot water even though it may never reach the faucet.
• When using a natural gas stove, look for blue flames; yellow flames indicate the gas is burning inefficiently and an adjustment may be needed. If you see yellow flames, consult the manufacturer or your local utility.
• Keep stove-top burners and reflectors clean; theyll reflect the heat better, and youll save energy.
• Use a covered kettle or pan or an electric kettle to boil water; it’s faster and uses less energy.
• Use small electric pans, toaster ovens or convection ovens for small meals rather than your large stove or oven. A toaster or convection oven uses one-third to one-half as much energy as a full-sized oven.

When shopping for a new dishwasher or fridge, look for energy-efficient models certified with the ENERGY STAR label.

Published with permission from RISMedia.

Saving up for a down payment is one of the biggest challenges for aspiring first-time homebuyers. A typical down payment can range from 5 to 20 percent of a homes purchase price”thats no small chunk of change. Although it might seem overwhelming to rack up thousands of dollars, practicing some discipline and using the right tactics can help you pull it off, making it possible for you to go from renter to proud homeowner.

To help you save for a down payment, consider these tips from the American Bankers Association:

Develop a Budget and Timeline. Start by determining how much youll need for a down payment. Create a budget and calculate how much you can realistically save each month”thatll help you gauge when youll be ready to transition from renter to homeowner.

Establish a Separate Savings Account. Set up a separate savings account exclusively for your down payment, and make your monthly contributions automatic. By keeping this money separate, youll be less likely to tap into it when youre tight on cash.

Shop Around to Reduce Major Monthly Expenses. Its a good idea to check rates for your car insurance, renters insurance, health insurance, cable, internet and cellphone plan. There may be deals or promotions available that allow you to save hundreds of dollars by adjusting your contracts.

Monitor Your Spending. With online banking, keeping an eye on your spending is easier than ever. Track where most of your discretionary income is going. Identify areas where you could cut back (nice meals out, vacations, etc.) and instead put that money into savings.

Look Into State and Local Home-Buying Programs. Many states, counties and local governments operate programs for first-time homebuyers. Some programs offer housing discounts, while others provide down payment loans or grants.

Celebrate Savings Milestones. Saving enough for a down payment can be daunting. To avoid getting discouraged, break it up into smaller goals and reward yourself when you reach each one. If you need to save $30,000 total, consider treating yourself to a nice meal every $5,000 saved. Thisll help you stay motivated throughout the process.

Published with permission from RISMedia.