The best advice for the novice gardener is to start small; a well prepared small garden will yield plenty of produce or ornamental beauty. As skills and confidence grow, gradually increase the garden's size to fit your time and energy commitments.
Closing costs are the fees for services, taxes or special interest charges that surround the purchase of a home. They include upfront loan points, title insurance, escrow or closing day charges, document fees, prepaid interest and property taxes. Unless, these charges are rolled into the loan, they must be paid when the home is closed.