Put a large mulched circle over the roots of new trees and shrubs, but do not mound bark mulch up around the trunk. Trees and shrubs grown under mulch develop stronger roots and are healthier. Be aware that mulch should be no more than 2-3 inches total or plant health can suffer.
If you are taking cash out of a refinancing and/or folding the closing costs into the new loan, watch the loan-to-value ratio of the new mortgage. If it’s above 80 percent, you will have to purchase private mortgage insurance, the added cost of which may make the refinancing less attractive.