Pay your contractor by credit card when you can. Under federal and state law, in most cases, you have the right to assert any claims or defenses you have against the seller of the goods or services against the credit card company. This generally means that if the goods or services are defective, you can refuse to pay the credit card company until the problem is corrected.
Trees that lose their leaves in the fall (i.e., deciduous) are the most effective at reducing heating and cooling energy costs. When selectively placed around a house, they provide excellent protection from the summer sun but permit winter sunlight to reach and warm your house. The height, growth rate, branch spread, and shape are all factors to consider in choosing a tree.