Want to check for surface feeding insects? Cut out both ends of a coffee can, screw it into the suspected area of infestation, fill it with water and a tablespoon of dish washing soap. As the water soaks into the soil the insects will float to the top.
A 15-year loan is usually made at a lower interest rate. Equity is built faster because early payments pay more principal. In a 30-year loan, more interest is paid off than principal for the first 23 years, meaning larger tax deductions. As inflation and costs of living increase, mortgage payments become a smaller part of overall expenses.