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Holiday plant care checklist

Cut Christmas tree in the house? Check that water reservoir every day and make sure it stays filled. If it dries out completely, the tree won’t accept new water afterward. To avoid that dreaded dropped needle denouement, consider buying one of the clever devices that allows you to do this chore without crawling on the floor.

My personal favorite is called “Santa’s Magic Water Spout.” It’s available at lots of retail outlets. Click here for a webpage that shows how it works in detail.

Although symbols of the season, poinsettias are tropical plants that have no sense of humor about the cold. Make sure the shop wraps it well for its trip to the car, get it indoors fast (don’t leave it the car while you do more shopping), keep it away from drafts or excessive heat when you do get it home and keep it well-watered … these plants tend to dry out quickly.

Rosemary Christmas trees are great holiday plants, but they’re always sold severely potbound, so replant it into a bigger pot (twice as big as the original) as soon as you get it home. Then it’ll have enough soil around the roots to be able to hold water and stay alive through the holidays.

And the correct way to use mistletoe is to remove and discard a berry after each kiss is stolen under the plant. When all the berries are gone, no more kissing. And if you want a ‘mistletoe romance’ to last, you must destroy the plant by “Twelfth Night,” which is either the evening of Jan. 5 or Jan. 6 (sources and experts disagree on this point). Tradition would have you burn the plant, but I would not recommend that for fake plastic mistletoe.

Gift List for Gardeners

Got a gardener on your gift list this season?

Good gloves always top the garden wish list, but most garden gloves are so bulky that gardeners quickly pull them off so they can feel what they’re doing. The answer: Baseball batting gloves. Really … they come in a huge variety of sizes and are super comfortable, yet they fit so tightly and are so flexible you can feel everything you’re doing. They’re the gloves that gardeners love to keep on. You should be able to find a nice selection at any sporting goods store.

Any good gardener would love to find a bag of worm castings or premium compost under the tree. You should be able to find either at a good local independent garden center that stocks natural products.

Or even better, get them a nifty compost bin made of recycled black plastic with a locking lid so they can make their own back gold out of shredded fall leaves and kitchen waste outdoors without fear of unwanted animal intervention. Click here for a model that I especially like.

Or if they just want to recycle their kitchen waste alone (and/or have little to no outdoor space) get them a nice worm bin, so that specialized redworms can transform their kitchen waste into castings — one of the world’s finest fertilizers! Click here for the one that I use. The multiple levels make it easy to add new kitchen waste and harvest the finished castings.

Really Live Trees Require Preparation

It’s the time of year when many folks decide to get a really live tree for Christmas — one with its roots all wrapped up in burlap that they hope to plant outdoors after the holidays. If that’s your plan, dig the hole on the next nice day so you don’t have to deal with frozen soil.

Cover the hole with plywood for safety and store the removed soil somewhere it won’t freeze. Make it a wide hole, not a deep one (you want to see the root flare of the tree — not a ‘lollipop’ — after it’s planted). Don’t put the tree too close to the house (plan for the tree’s final size, not the width it is now) and don’t plant it where it’ll grow underneath power lines. And be sure to remove and discard all the wrappings at planting time. Just the root ball goes into the ground.

Don’t plan to keep the tree indoors for any length of time. If it stays inside for more than a few days, it’ll break dormancy and could suffer severe shock when it goes into the cold, cold ground. If it must come inside, keep the room it comes into as cold as possible, and get it in and out fast.

Oh, and be sure to have lots of help on hand whenever the tree has to be moved. The rootball on a truly live tree can often weigh a hundred pounds-or more.

Winter Lawns = Hot Topic

I’m still getting lawn care questions.

Andy in Gainesville writes: “I have bald patches in my lawn that are due mostly to shade from deciduous trees. Can I sow a lawn seed designed for shade this late in the year? Or is that a waste of time?”

The soil is too cold for any kind of seed now, Andy. And no grass really grows well in areas where big trees throw deep shade and hog all the food and water. Your best bet to deal with those patches is to wait until Spring and install a shade loving ground cover. Or even better, moss. Moss stays green all year, never needs cutting and plays well with big trees. If you MUST try grass, you’ll have to choose a really fine fescue and wait until mid-August to sow the seed. Just be aware that it’s always a struggle to keep grass looking good under trees.

Amy in Falls Church writes: “We put grass seed down in early October and it seems to be doing well. We haven’t mowed it, and I’m thinking I shouldn’t mow it until spring. But should we put a winter fertilizer on it, or just leave that until spring as well?”

There’s no such thing as “winter fertilizer,” Amy. Plants don’t take up any nutrients when the weather turns cold and they go dormant. Just make sure no whole leaves remain on the lawn over winter, and be ready to apply corn gluten meal in early spring — that’ll feed the turf and prevent new weeds from sprouting.

Your mowing question depends on the height. If your new grass is three inches or lower, let it be. But if it’s gotten tall, cut it back to three inches high to protect against the possibility of snow mold.

(Copyright 2011 by WTOP. All Rights Reserved.)

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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