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Whether it's urban, suburban, or rural, nearly every properly has some shade, if only on the north side of the house. Countless more are "blessed" with giant trees planted decades ago that screen out the sunlight. Under such conditions, you may think that it's impossible to have an interesting garden without a lot of work. Not so if you are willing to learn about the plethora of easygoing horticultural gems that don't require full sun. Most gardeners think only of impatiens and hostas for their shady areas, but shade gardening can be far more interesting, and even exciting--and you need not work too hard at it if you incorporate some lesser-known but easy-to-grow plants into your landscape. Judiciously mixing the common plants with the more unusual ones can help the busy, tired, or lazy gardener create a special and unique retreat. Carolyn Harstad, author of the best-selling "Go Native!, organizes this book around the principle that an interesting shade garden is well balanced and has a variety of plantings. Early chapters focus on designing the low-maintenance garden. Further chapters discuss small trees, shrubs, dwarf conifers, vines, ground covers, ferns, grasses, perennials, woodland wildflowers, spring bulbs, and annuals (yes, there "are annuals that enjoy shade!). She discusses hundreds of shade-tolerant plants hardy in Zones 4-8, suggests how they may be used and combined, and recommends methods to reduce garden maintenance--a universal concern in this fast-paced world. With its informative text, accurate drawings, and colorful photographs, this book is a "must have" for gardeners across much of North America.

Expert guidance to help you find a top broker, low rate, and speedy approval on any mortgage "Tips and Traps When Mortgage Hunting, Third Edition, covers every vital aspect of finding the right mortgage, from finding and locking in the lowest available interest rate to eliminating unwelcome surprises at the closing table. Essential details include strategies for clearing up credit problems before your search begins; resources you can use if you are a first-time home buyer to get the best deal; and new information on working with a mortgage broker, reverse mortgages, proven refinancing strategies, and more.

Adjustable rate mortgage - An adjustable rate mortgage or variable rate mortgage is a loan secured on a property (house) whose interest rate and so monthly repayment vary over time. Other forms of mortgage loan include interest only mortgage, fixed rate mortgage, Negative amortization mortgage, discounted rate mortgage and balloon payment mortgage.

Commercial mortgage - A Commercial Mortgage is a loan made on real estate collateral, other than a residential property, in which a mortgage is given to secure payment of principal and interest, or just interest alone.

Shared appreciation mortgage - A mortgage in which the lender agrees to an interest rate lower than the prevailing market rate, in exchange for a share of the appreicated value of the collateral property. The share of the appreciated value is known as the contingent interest, which is determined and due at the sale of the property or at the termination of the mortgage.

Interest-only loan - An interest-only loan is a loan in which for a set term the borrower pays only the interest on the capital; the capital remains owing. At the end of the term the borrower may renew the interest-only mortgage, repay the capital, or (with some lenders) convert the loan to a principal and interest payment loan at his option.

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Lowest Interest Rate Credit Card - Lowest Interest Rate Credit Card Credit Card Debt Whether readers are overwhelmed by credit card debt or trying to prevent it altogether, this book has the answers. The author's basic three step program provides the information readers need to reduce interest rates, eliminate fees, lowest interest rate credit card and negotiate with credit card companies to keep their credit report clean. Copyright (C) Muze Inc. 2005. For personal use only. All rights reserved. FOR BEST PRICE David Scott's Guide ...

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