Home Equity Line of Credit Loan

5 Year Fixed Rate

Check

local communities

CARMICHAEL www.eldoradosavingsbank.com

800.874.9779 complimentary, harmonious color combinations. For instance, purple goes with yellow, blue marries orange and red loves green. Howes says his go-to color combination is purple with orange or yellow.

*The initial Annual Percentage Rate (APR) is currently 6.00% for a new Home Equity Line of Credit (HELOC), and is xed for the rst 5 years of the loan which is called the draw period. After the initial 5 year period, the APR can change once based on the value of an Index and Margin. The Index is the weekly average yield on U.S. Treasury Securities adjusted to a constant maturity of 10 years and the margin is 3.50%. The current APR for the repayment period is 7.375%. The maximum APR that can apply any time during your HELOC is 12%. A qualifying transaction consists of the following conditions: (1) the initial APR assumes a maximum HELOC of $200,000, and a total maximum Loan-to-Value (LTV) of 70% including the new HELOC and any existing 1st Deed of Trust loan on your residence; (2) your residence securing the HELOC must be a single-family home that you occupy as your primary residence; (3) if the 1st Deed of Trust loan is with a lender other than El Dorado Savings Bank, that loan may not exceed $300,000, have a total maximum loan-to-value (LTV) of 65% and may not be a revolving line of credit. Additional property restrictions and requirements apply. All loans are subject to a current appraisal. Property insurance is required and ood insurance may be required. Rates, APR, terms and conditions are subject to change without notice. Other conditions apply. A $525 early closure fee will be assessed if the line of credit is closed within three years from the date of opening. An annual fee of $85 will be assessed on the rst anniversary of the HELOC and annually thereafter during the draw period. Ask for a copy of our “Fixed Rate Home Equity Line of Credit Disclosure Notice” for additional important information. Other HELOC loans are available under different terms.

“Color wheels are great, especially for those who might be unsure and are trying to match or complement house color or something else,” he says. “In the end, it is your container and should please you first and foremost.”

How many plants are too many for the pot? Depends on the container and how large your choices will become at maturity.

“Ah, this is where things can get confusing and tricky,” Howes says. “Folks generally are looking for containers to match what they see at upscale shopping centers and on pages of publications like Sunset. They are almost always over-planted to produce that overflowing, lush and abundant look that is pleasing to the eye. In a 24-inch-wide pot, I would say plant as few as five and perhaps up to eight to 10, depending on the choice of plants.”

Mix a quality fertilizer into the potting soil during planting and feed with an all-purpose fertilizer during the season. Howes hand waters his containers so he can “check in” with plants daily. I prefer drip irrigation on a timer.

Arranging flower pots to maximize impact is best achieved in the traditional design grouping of odd numbers, three or five pots. Varying heights is another impact design principle.

“Groupings of three are always correct to the eye,” Howes says. “If I am arranging multiple containers, using odd numbers always looks best. There are places where a single or standalone container would work best and have great impact. I tell folks to experiment and try different placements. Think of your outdoor spaces as you do rooms in your home when decorating. It’s all art!”

Dan Vierria is a University of California Cooperative Extension Master Gardener for Sacramento County. He can be reached at masterg29@ gmail.com. For answers to gardening questions, contact the UCCE Master Gardeners at (916) 876-5338, email mgsacramento@ucanr.edu or visit sacmg.ucanr.edu. Previous columns can be found and shared at InsideSacramento.com. Follow us on Facebook, Twitter and Instagram: @insidesacramento. n