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Archive for April, 2012

Who Is Responsible For Closing Costs

Buying or selling a home is a euphoric experience for both of the parties involved. This euphoria can cool when you learn which party is responsible for the closing costs.

Who Is Responsible For Closing Costs

When looking to buy or sell a home, every person eventually arrives at the question of funding closing costs on the transaction. To put it simply, both buyers and sellers typically are responsible for some of the closing costs. However, the exact amounts paid can vary significantly from area to area and depending on what agreements the buyers and sellers come to in the offer-counteroffer process.

It is important to research the area you are looking to buy or sell in and be knowledgeable regarding any laws and standards of practice for the area. Yes, the requirements are different in each state and often each city. Know what you will have to pay ahead of time so you can be prepared to cover these costs. Here are some examples of what buyers and sellers generally have to cover.

Buyers typically pay the following: fees charged for obtaining a mortgage; inspection fees; homeowner’s insurance (must be prepaid for one year at closing); transfer taxes if there are any (although the seller may pay these or they may be shared 50-50 between buyer and seller); title insurance and escrow fees (varies depending on the location); and attorney’s fees (if and where attorneys are involved in the transaction). If you are confused, a mortgage broker can tell you which fees are customarily paid for by the buyer in your area and how much they will cost. When buying a home, the use of mortgage brokers is highly recommended to both get a great deal on a mortgage and help with the transaction itself. The broker only gets paid if the deal goes through, so you know they will make every effort.

Sellers’ closing expense responsibilities typically include: loan payoff fees; the real estate commission (in some cases, a portion of this may be paid by the buyer); title insurance (depending on the location); termite repairs (this is negotiable in some areas); cash payments in lieu of repairs to the property; all or part of transfer taxes and escrow fees, if there are any; attorney’s fees where applicable; and other fees set by local custom or negotiated during the transaction.

Knowing and researching the area you are buying or selling in is critical to understanding who is responsible for closing costs. Educate yourself and you will avoid overpaying.

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Buyer Tips, Mortgages, Seller Tips

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Your Options in Car Financing

There are so many car financing options available how do you know which one is right for you? Read on to obtain information about all of the different options available and how to determine which one will provide you with the best benefits.

Many people take advantage of an option known as dealer financing. This is when you handle the financing of your new vehicle directly through the lender. Now, that doesn’t necessarily mean you’ll be making your payments directly to the dealer. Usually, they work with a finance company to provide the financing to you. There are definitely some benefits to this option. First, depending on your situation you may be able to obtain extremely low-interest rates; in some case you may be able to obtain a zero percent interest rate. In order to obtain this special rate; however, you will need to have excellent credit with no problems. If you have any problems at all on your credit history you will not qualify for the special interest rate although you will probably be able to still obtain a loan; just at a higher rate. When your credit report is not perfect ask yourself whether you could get a better deal at a bank.

Bank financing is an option that is typically available as long as your credit history is good. This means it doesn’t have to be perfect but you shouldn’t have any major flaws either. If you have already worked with the bank in the past this will increase your chances of obtaining a loan. While a bank interest rate may not be as low as what a car dealer can offer for individuals with excellent credit, it may be better than what you could obtain at the dealership if your credit is only ‘good.’

Another option you may wish to consider is credit union financing. Of course, this option is only available if you belong to a credit union. If you do happen to have a credit union membership; however, the rate available to you may be much better than what you can obtain through a bank or dealership.

These days it is also quite easy to simply go online and surf around for a quote from an online lender. This option has become so popular many lenders are now willing to compete with one another and offer very attractive rates. In the event you do not have perfect credit, this can be a good option for you; just make sure you fully understand all of the terms of the loan before accepting it.

Another option would be to simply borrow the funds from a family member of friend. Of course, this is extremely risky because it could cause problems in your relationship in the event that you run into a problem with the payments. But, if you can’t obtain a loan elsewhere because of credit problems this may be a good option.

Finally, you may wish to consider refinancing your home or taking out a home equity loan in order to finance the cost of your new home. This basically allows you to pay cash for your vehicle with the proceeds of the loan and then paying back the money through the refi loan. In some cases you may be able to get a better interest rate with this route than you would with a traditional bank auto loan. In addition, the interest you pay on the loan is tax-deductible. Like other options; however, there are some disadvantages. With this option, be aware that you could be putting your house at risk, not just your car, if you run into a problem and can’t make the payments in the future.

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Visiting Popular Summer Vacation Destinations While on a Budget

If you are like most other individuals and families, your finances may be tight.  There are many families who are just scraping by and others are the on the border of debt.  If this situation sounds all too familiar, a summer vacation may be the last thing on your mind.  If you and your family are interested in taking a summer vacation, you can, no matter what your financial situation. 

When selecting a summer vacation destination on a budget, it is important that you do not limit yourself.  There are too many individuals who search for a vacation destination solely based on price.  Instead of first searching for low-cost vacations, you are encouraged to find the vacation destination of your dreams.  Once you closely examine the hotels, restaurants, amusement parks, or beaches that your selected destination has to offer, you can easily learn how and where to save money. 

If the beach sounds like the perfect summer vacation destination, you have a number of options.  Popular beaches, that are designed for those on a budget in the United States may include, but are not limited to, Virginia Beach, Pensacola Beach, Long Beach and Don’t forget all of the wonderful places in SW Florida ( Marco Island, Naples, Bonita Springs, Fort Myers, Estero, Sanibel Island and Captiva Island to name a few )   . You can plan a beach vacation in the Caribbean or overseas; however, the cost of travel will likely increase the cost of your vacation. 

Virginia Beach, Long Beach, Daytona Beach, Myrtle Beach, and Long Beach are all known as vacation “hotspots.”  Many individuals automatically assume that the most popular beach destinations are too expensive. While some facilities and activities may be high-priced, there are ways for you to vacation there on a budget.  Instead of staying at an ocean-side resort, you could save a large amount of money by booking an inland hotel. The same can be said for restaurants, bars, and event centers.  Almost everything is more expensive on the shoreline.

If you are more interested in spending your vacation golfing, you may want to examine the golf resorts in and around the Untied States.  Many popular golf courses are located in Myrtle Beach, Newport Beach, Scottsdale and many wonderful golf courses in SW Florida.  If you are on a budget, you can easily benefit from purchasing a resort package.  Many popular golf resorts, in the United States, Europe, and the Caribbean offer packages that offer accommodations that may include travel, hotel stays, golf course visits, and dining. 

Golf resorts are popular vacation destinations for many individuals, but many can be expensive.  If you are unable to obtain a discount vacation package, but you still want to your vacation to have a focus on golf, you have a number of options.  Many golf resorts allow vacationers to play on their courses, even if they are not staying at the resort.  It is also possible to golf at well-known golf courses that are not considered resorts.  As with a beach vacation, you may be able to save a large amount of money by staying at a hotel or dinning away from a golf resort.

Theme parks and amusement parks are popular vacation destinations, especially for those with children.  If you and your family are interested in vacationing at a United States theme park, you have a number of options.  Theme park resorts are similar to, the above mentioned, golf resorts.  A large number of well-known theme park resorts, including Orlando Studios, Disneyland, and Disney World can be selected, even if you are on a budget. Many of these resorts offer vacation packages that include hotel stays, theme park use, on site dinning, and much more. 

Theme park resort packages are a great way to save money, but you could save even more by not paying for services that you will not use.  If you do not have to fly to reach your destination you should not have to have travel accommodations included in your package. You may also be able to find cheaper hotel accommodations that are located a short distance away from the theme park of your choice.  In addition to theme park resorts, you can find days of fun at smaller parks, such as Six Flags, Sea World, and Bush Gardens.

You may recognize many of the above mentioned summer vacation destinations.  Popular vacation destinations do not have to be financially out of your reach.  Simply by cutting a few corners, you could be vacationing alongside the rest of America, even while on a budget. 

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Choosing The Right Exercise For You

The type of exercise you do all depends on you and what you like to do.  What you hate doing, paying membership fees, and whether or not to buy equipment are all things you need to consider as well as answer.

If you choose something that you don’t like to do, you aren’t going to keep doing it for a long period of time.  Give it some thought – if you don’t like jogging, you aren’t going to get up at 6 AM and go running.  If you can’t find something you like to do, choose something you hate the least, which will normally be walking.

Walking is great exercise, as it suits all levels of fitness.  Anyone can start a walking program at any time, it’s normally the intensity and duration that differs.  Walking is also a social exercise, as it isn’t difficult to find a training partner to chat with while you exercise.  Walking with a partner will also make time go by faster.

No matter what exercise you choose, you should start at a low level of intensity and build it up over a period of weeks, which is essential to the longevity of your exercise program.  If you start off too hard, you could end up with an injury which will require time off to get over.

If you are really in bad shape, you should start off by walking for 10 minutes each day.  Then, increase it by 5 minutes every 2 weeks.  To make things more interesting, you should try walking a different course every few days.  You can also roster a different friend to walk with you each day of the week.

If walking isn’t your thing, then you may want to try a fitness center.  They have loads of variety and normally have trainers on hand to answer any questions you may have.  When you choose a fitness center, make sure that they give good service.

If they aren’t willing to treat you well before you join, then they certainly won’t after you join.  You should also make sure that the equipment they use is well taken care of.  It’s easy to find out, as all you have to do is listen to the machines.  If they squeak a lot or make noise, then chances are they aren’t being taken care of.

If you still aren’t sure what you should do, then you should look into golf or tennis.  Both are good social activities in most areas, and you can even meet new friends.  Tennis is great for fitness although it isn’t for someone who is just starting out.  If you haven’t exercised in a long time, then golf may be the best activity for you.

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Growing Trees for Shade

If you are currently trying to plant trees in order to shade your garden, you will probably want something that grows very fast and provides plenty of shade. With the many types of trees available, you will have no problem finding a variety that will grow extremely fast and provide all the shade that your garden needs to survive. There are also many things you can do to speed up the growth of trees.

Generally trees are separated into two categories: long-lived and short-lived. If you are just looking for some temporary shade for your garden, you should stick to a short-lived tree. But if you plan on keeping it for years, go for a long-lived tree.

If you decide on a short-lived plant, you are probably looking for something with speedy growth. This means the root system will be particularly aggressive, so be sure not to place it near any septic tanks or other deep-rooted plants. If the roots have plenty of area to grow, then they will shoot out extremely fast and your tree will take off in growth. Your placement should also be based on the tree’s relative position to the area you are wanting to shade. You should keep it to the western or southern sides for maximum shading.

Preparing your soil well for the shade trees can be the best way to enhance the plant growth speed. The bigger hole you dig for the root ball, the better. Also when you dig out the soil from the hole, you should work it over well before you replace it. This will allow the roots to penetrate through the soil better. If you mix in all your fertilizer and nutrients to the soil before you replace it, you will end up with a superior tree. Also try to use organic materials as mulch. Bark and any branches or twigs work well for this, and will encourage the quick growth.

When you buy your shade tree, it will usually come with the root ball belled up and in a burlap bag. It might also be grown in a container or simply with bare roots. If you get a tree in a burlap bag, you should plant it anywhere between fall and early spring. Trees grown in containers are ok to plant at almost any time of the year. If the tree just has bare roots, then the ideal planting time is anytime in winter and early spring. If you buy a tree that has been grown in a container, make sure that the roots are not constricted by the container. This will usually cause the roots to go in circles underground after you plant it. After you buy the tree and before you plant it, be sure to constantly add moisture to it.

The ideal planting process would include putting it in the ground at the proper depth, and replacing the soil without compressing it too much. Immediately after planting, you should give the tree its first watering before putting the layer of mulch on. You should always use organic mulch, and have a 2 or 3 inch layer of it at the base of your tree.

You should always use nitrogen fertilizer during the first segment of the tree’s life. Simply follow the instructions on the label in order to find out exactly how much to apply and when to apply it. Never apply too much fertilizer while the tree is young. You should usually wait until it has been established for about a year. The fertilizer that you do ad should be sufficiently watered down.

If you are trying to grow a tree speedily, there are many more things that you need to consider. However, with proper planning you can create the perfect environment for the tree to spring right up and provide you with plenty of shade within months.

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Backyard Activities, For The Home

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Family Resorts in Mexico

Vacationing with your family in Mexico offers many benefits.  Though many cities are associated with constant partying, there are also many activities that are designed for young children and teenagers.  Many children receive discounts at many popular tourist attractions.  Selecting an all-inclusive vacation package for the whole family is one of the best ways for everyone to enjoy their vacation in Mexico, without having to worry about the cost.

If you are interested in visiting Mexico with your family, you will want to examine some of the many attractions that are specifically geared towards children. These attractions and activities are ideal for making the most out of your family vacation.  Below is a summary of just a few of the many attractions and resorts that you may find exciting in Mexico.  For additional information, you are encouraged to contact your local travel agent or use the internet to guide you in your search.

Located on the Mayan Riviera is the Xcaret Theme Park.  The Xcaret Theme Park is a wonderful attraction for those who are looking for a family resort.  Located in Cancun, Mexico, the Xcaret Theme Park is a theme park that is often compared to Disney World or Disneyland.  Similar to Disneyland and Disney World, you can expect to enjoy a fun-filled day at Xcaret, thanks to amazing rides and attractions.

A deep underground river is a popular feature of the Xcaret Theme Park.  You and your family can see plenty of beautiful tropical plants as you enjoy the river.  Xcaret is also host to many wild and exotic animals.  There is a butterfly pavilion, a coral reef aquarium, and you are given the chance to swim dolphins.  Many children, as well as adults, will be thrilled with this theme park.  In addition to the Xcaret Theme Park, Cancun offers many family friendly resorts.  To find a luxury resort that offers family oriented activities you may want to check on the internet or speak with your local travel agent. 

Cozumel also offers many great attractions and activities that are designed for individuals of all ages, including children. Cozumel is ideal for family vacation, especially because it has one of the lowest crime rates in Mexico, as well as the world.  Cozumel is home to some of the most beautiful coral reefs.  This often creates an incredible adventure and learning experience for children.  If your children will enjoy scuba diving or snorkeling, then you will want to plan a trip to Cozumel. 

With so many options for families, choosing a Mexican all-inclusive vacation is a great idea. The vacation package will also include items such as snacks, drinks, meals, as well as hotel accommodations and airfare.  Teaching children about various cultures and customs and letting them view the Mayan ruins first hand is an amazing lesson in geography and history. While education is nice, the above mentioned locations do not completely just focus on it. There are so many fun-filled activities such as snorkeling, diving, swimming, hiking, fishing, sailing, and parasailing. These activities are great for families with active children.

In addition to the above mentioned popular Mexican destinations are that are designed for the whole family, you may want to consider additional sights and attractions.  Mexico has so much to offer you and your family. In fact, you and your family may wish that you could stay in longer.

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How to Homeschool Your Child

Now that you have decided that homeschooling is the way to educate your child, get ready for the ecstasy and the anxiety – the road ahead is a bit bumpy, but the rewards more than make up for it. Producing a well-adjusted and well-rounded personality is no mean achievement.

First of all, it is important to check out your state laws on home schooling. Some states need an affidavit filed with the State’s education department. There are basically 3 categories for homeschooling laws. These are: private school laws, home education laws and equivalency laws. Find your state laws. You may also need to maintain a portfolio that records the child’s educational progress. It is important to look into the legal requirements BEFORE you start homeschooling. Some States also stipulate a minimum educational qualification for the parent or teacher.

Next, look for a support group. If you live in a friendly or curious neighborhood, well-meaning friends will try to dissuade you. At the very least, they may put a lot of uneasy questions in your mind. A support group that consists of like-minded people will insulate you from the criticism, pressures and questions of regular school-goers. Many groups organize fun events like visits to the zoo, museum, tours to the ice cream shops etc. And if your children hit it off with other homeschooled, they will be able to build lasting relationships that do not fade when their friends change schools. These groups provide an important avenue for socialization.

The next important thing to do is to select a curriculum. Depending upon the method of homeschooling, you may choose various tools that aid you in this process. The internet is also a rich resource for homeschooling. Do some research and look into the material that is available.

Set certain ground rules. Homeschooling requires a lot of self-discipline and hard work. Here is a comprehensive list of the things you will need: 1) Eagerness to learn 2) Hard work and effort 3) Discipline 4) Time and patience 5) Flexibility 6) Enthusiasm

Consider why you want to opt for homeschooling. Your motives and your reasons are important pillars on which the whole edifice of your child’s lessons depends. Also, consult with your children. Ask them what they feel about homeschooling.

Select a curriculum or custom-make a curriculum that best suits your child. Record keeping is an important part of homeschooling. Look into the various methods of record keeping. Set up a schedule. Your child does not have to learn 6-7 hours a day. Allow him or her to dictate the time. Flexibility and fun are the cornerstones of homeschooling. Do not stuff too many skills into a single term or year. Prepare a skill list. Make the child learn the skills that he is ready for.

Gentle parenting is the secret to successful homeschooling. Children make great advances in learning and show more enthusiasm. They also turn out to be surprisingly well-balanced and well-informed when they are taught at home.

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Buyer Tips, For The Home, Helpful Tips, SW Florida Areas

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Cruise Ship Vacations on a Budget

Millions of individuals and families wish to take a vacation; however, many are financially unable to.  If a vacation does occur, it is often a visit to a local amusement park or campgrounds.  These small vacations often occur because individuals limit themselves.  If you are interested in taking an extravagant vacation, such as a cruise, you are advised not to limit yourself.  With the willpower to do so, just about anything is possible with a budget.

If you and your family are interested in scheduling a cruise ship vacation, but you feel that you may be unable to, you are urged not to assume. This assumption could prevent you from enjoying the vacation that you want and deserve.  To make a cruise ship vacation possible for you and your family, all you will have to do is a little bit of budgeting.

For many individuals, developing a family budget is a small sacrifice, but for others it may be larger. The more money you need to save for a cruise, the harder it may be to save.  The first step in saving money for your cruise ship getaway is to determine where all of your money is going.  This can easily be accomplished by documenting your spending habits. Everything from the mortgage payment, rent, car insurance, even that cup of coffee you purchased should be recorded.

After documenting your spending habits for a week or a month, you will have to examine your findings.  Many individuals are surprised to learn how much money they are wasting on unnecessary purchases. These purchases often include, but are not limited to single serve beverages, cigarettes, alcohol, and out-of-home dining.  To save money for your cruise ship vacation, you will need to cut all unnecessary purchases. 

Cutting unnecessary purchases may sound easy, but the reality is that it often isn’t. There are some individuals who cannot do without their cigarettes or their morning cup of coffee. If you are unable to curb your spending habits, you are encouraged to change them as much as possible.  For instance, instead of purchasing a cup of coffee each morning, you can brew your own at home. Additional alterations could be made to prevent your habits from impacting your cruise ship vacation fund. 

When saving money for a vacation aboard a cruise ship, you need to make sure that you actually save the money. All too often, many individuals take the money they saved by creating a monthly budget and spend it on something other than what they originally intended.  If you find it difficult to hold on to your savings, you may want to open a savings account at your local bank.  In addition to accumulating interest, you are less likely to spend the money because it is safely tucked away.

Curbing your spending habits is one of the best ways to raise funds to take your dream vacation aboard a cruise ship.  While saving money is important, it is not the only way that you can plan a cruise ship vacation on a budget.  There are a large number of online travel websites.  These websites may offer you significant deals and savings. Other cruise discounts can be obtained through membership clubs or your local travel agent. 

Obtaining the financing needed for a cruise ship getaway may seem like a difficult task, but after time it may become a part of your daily routine.  Saving money and obtaining cruise ship discounts are both great ways to obtain the needed financing, but together they can save you more money than you ever imagined.

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Wood Or Vinyl Mini Blinds

The market for mini blinds has expanded well past those traditional aluminum blinds that break, bend, and warp.  A lot of homeowners are now electing to install a 2 inch blind made from either wood or vinyl to add a nicer touch to a room.

Proving to be cheaper than wooden shutters and able to allow more light in, these blinds will combine function and design which helps produce a look that everyone will like.  Years ago, the purchase of these two-inch blinds would break the bank, although now there are many options available for those on any type of budget.

Keep in mind that there are both pros and cons to choosing either wood or vinyl.  The biggest difference in the material of the two is the price and the color.  Normally, wooden two-inch blinds are a lot more expensive than vinyl blinds, although they are available in more colors.

If you have strained wooden trim and molding around your windows, you should consider adding that specific color to your window treatments. A dark wooden blind or a honey hue wooden window blind can make a big difference when it comes to the look and style of your home.  For a price, you can create an inspiring look that makes the difference between and alright room and an amazing room.

Always remember that wooden blinds can tend to a bit lighter than vinyl, so they could be an ideal choice for double or triple windows to prevent bowing in the middle of the blind. Just like vinyl, wooden blinds can be custom cut to fit the exact requirements of your window.

Vinyl blinds are also a bit less expensive and can easily be mistaken for the wooden variety. If you are choosing a bright white or a soft ivory for your shades, vinyl will be the perfect choice if you are on a budget.  Vinyl blinds are also easier to clean, as water can warp wood or even cause the finish to crack or bubble.

If you are planning to purchase wood or vinyl blinds, you should consider paying a visit to your local supply warehouse.  The selection at most stores can be dramatic, as they offer good prices and a variety of choices. 

If your budget isn’t a problem at all, you should look towards a special window treatment shop in your area, where professionals will come to your home and take care of both the measuring and installation for you.

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Growing Your Own Herbs

If you’re not the type of person that wants to spend their time managing an elaborate fruit or vegetable garden, you might consider planting and maintaining a herb garden. While the product might not seem as significant, you’ll still enjoy the constant availability of fresh, delicious herbs to flavor your meals with.

First you’ll want to choose the herbs that you’ll plant. You might have a hard time doing this because of the huge scope of herbs available. But the best way to choose is to do what I did; just look at what you have in your kitchen. By planting your own collection of these herbs, you can save money on buying them from the grocery store while having the added benefit of freshness. Some of the herbs you might start with include rosemary, sage, basil, dill, mint, chives, and parsley among others.

When choosing an area to put your herb garden, you should remember that the soil should have extremely good drainage. If the dirt gets watered and stays completely saturated, you have no chance of ever-growing a healthy plant. One of the best ways to fix the drainage problem is to dig a foot deep in the soil, and put a layer of crushed rocks down before replacing all the soil. This will allow all that water to escape, thus saving your plants.

When you are ready to begin planting herbs, you might be tempted to buy the more expensive plants from the store. However, with herbs it is much easier to grow them from seed than it is with other plants. Therefore you can save a bundle of money by sticking with seed packets. Some herbs grow at a dangerously fast rate. For example, if you plant a mint plant in an open space then it will take over your entire garden in a matter of days. The best way to prevent this problem is to plant the more aggressive plants in pots (with holes in the bottom to allow drainage, of course).

When it comes time to harvest the herbs you have labored so hard over, it can be fatal to your plant to take off too much. If your plant isn’t well established, it isn’t healthy to take any leaves at all, even if it looks like it’s not using them. You should wait until your plant has been well established for at least several months before taking off any leaves. This wait will definitely be worth it, because by growing unabated your plant will produce healthily for years to come.

Once you’ve harvested your delicious home-grown herbs, you’ll want to use them in cooking. Why else would you have grown them? Well first the process begins with drying them out. This is easily achieved by placing them on a cookie sheet and baking them 170 degrees Fahrenheit for 2 to 4 hours. After they’re sufficiently dried to be used in cooking, you can consult the nearest cookbook for instructions on using them to effectively flavor a dish.

If you want to store your herbs for later usage, you should keep them in a plastic or glass container. Paper or cardboard will not work, because it will absorb the taste of the herbs. During the first few days of storage, you should regularly check the container and see if any moisture has accumulated. If it has, you must remove all the herbs and re-dry them. If moisture is left from the first drying process, it will encourage mildew while you store your herbs. Nobody likes mildew.

So if you enjoy herbs or gardening, or both, then you should probably consider setting up a herb garden. It might require a little bit of work at first to set it up for optimal drainage, and pick what herbs you want to grow. But after the initial hassle, it’s just a matter of harvesting and drying all your favorite herbs.

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