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Garden Plot: Not all mulches are created equal

Editor’s Note: Mike McGrath will answer all of your lawn and garden questions live and in person from 1 to 3 p.m. Saturday, Feb. 9 at the Community Home Show at the Universities at Shady Grove.

Mike McGrath, wtop.com

Seed catalog deal of the week: $25 off from Henry Fields

The Henry Field seed catalog has been around for more than a century, but they always have something new to offer. This season it’s a trio of new hybrid popcorns!

They say “Pops the Lid Off” produces kernels so big and fluffy that a normal amount will overwhelm your poor popper. “Mauveless” produces ears of corn whose kernels are a beautiful burgundy red. Yes, like all popcorns, it pops up white. But the gorgeous ears can first do double duty as ornamental corn, and then get popped. And “caramel crisp” pops into an unusual mushroom shape that is considered ideal for making your own caramel corn. Henry Field carries a full line of other edibles as well as fruits and flowers. And they’re offering WTOP listeners $25 off a $50 order! Just use the code “HF25FREE” when you check out.

Q: Is municipal mulch any good?
A: Depends on what kind of mulch

Pat in Frederick writes: “What are your thoughts on using the free mulch available at county recycling centers? My gut feeling is to stay clear of it.”

Well, Pat, the word “mulch” doesn’t actually refer to a specific substance. Mulch just means anything that covers the surface of the soil to prevent weeds and keep moisture in the soil.

If you’re referring to wood or bark mulch, my advice is to stay clear of it, no matter what the source. Wood and bark mulches breed plant disease, attract plant-munching mice and voles, and can stain the sides of homes and cars with the tar-like spores of artillery fungus, which are close to impossible to remove.

But if by mulch, you mean compost made from yard waste, it should be exceptional. Two inches of yard-waste compost will prevent weeds and retain soil moisture as well or better than wood. Compost prevents plant diseases, whereas wood mulches breed them. And a mulch of rich black compost won’t cover the side of your home or car with little tar-like fungal spores, the way wood mulches do.

Rose care is easier than you think

Mike in Laurel writes: “How do we keep rose bushes healthy and bug, mold and disease-free?”

It’s easy, Mike. Give them the right conditions and most roses are easy-care plants!

First, they need to be planted in a spot that gets morning sun and good airflow. Roses that only get late day sun or that are planted in crowded places will never thrive.

Then follow good rose care practices:

  • Prune your roses in the spring about two weeks after new growth begins, removing any dead, damaged and diseased canes. Never prune them in the fall.
  • Then remove and discard (in the trash, not the compost) all the prunings and all the old mulch that was under the plant.
  • Replace the mulch with a one-inch layer of rich, black, yard waste compost. This will prevent disease before it can start. (Warning: wood or bark mulch will breed the diseases that love to attack roses!)
  • Don’t feed roses any chemical fertilizers.
  • Don’t spray them.
  • Water them only at the base. You shouldn’t ever deliberately wet their leaves.
  • Add another inch of compost mulch midseason and you’ll have the best looking plants in town.

Protect perennials currently underground from big feet

John in Glen Burnie writes: “We’re going to replace our bay window. Underneath the window are my calla lilies. What can I do to protect them from the feet of the construction workers?”

When I received this query, I emailed John back and asked if he was sure they were calla lilies and not the more hardy canna lilies. Callas are not reliably hardy in our area and should be (by the book, anyway) dug up and stored indoors for the winter.

He replies: “Yep. They are callas and several years old. I’ll send you a picture when they bloom.” Well, good for you, John — sounds like they benefit from being planted close to the house and global warming.

Now, the advice here would be the same for cannas, callas or pretty much any other summer-blooming herbaceous perennial. These plants are now fully dormant and completely underground, and won’t wake up until long after your spring bulbs begin blooming. That means you should be able to protect them by laying a thick piece of wood overtop of where the rhizomes are buried. This will spread out the pressure on the soil, and probably provide a more stable surface for the workers.

It would also help to have the work done sooner rather than later. The more the soil stays frozen during the disturbance, the less chance the underground plants will even notice the workers. Oh, and be sure to wear strong gloves when you work in that area this season. There’s sure to be at least a few screws, splinters or sharp pieces of metal down there…

(Copyright 2013 by WTOP. All Rights Reserved.)

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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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