According to Ellie Mae’s latest Origination Report, the average FICO® Score on all closed loans dropped to 722 which is its lowest mark since April. The average includes all approved refinance
Real Christmas Trees Vs Fake Christmas Trees Which Are Greener
Real Christmas Trees vs. Fake Christmas Trees: Which are Greener?By: G. M. Filisko
You can pick up a basic fake Christmas tree for less than $20 at some big-box retailers. Prices go up from there to as much as $430 for a deluxe, already-lit number. Keep a faux tree in the family for at least a decade to goose up your holiday gift fund and mitigate the pileup in your local landfill.
If you insist on replacing your fake tree every year to change things up, donate your old one to a charity, a resale shop, or Freecycle.
All I Want for Christmas is the Greenest of Trees. What Do I Look For?
- Visit a local Christmas tree farm. Christmas tree farmland often can’t be used for other crops, says Brian Clark Howard, an environmental reporter. When the tree farmers plant new trees, the growing young trees combat climate change by absorbing carbon. And tree farms conserve soil -- farmers only till the land once every six or eight years.
If you buy from a Christmas tree lot, your tree was likely shipped from Oregon or North Carolina, and getting it to you created pollution, Howard says.
- Do business with a local Christmas tree farmer who grows organic Christmas trees without pesticides. Whether an organic tree costs more depends on where you live.
Melody Hall Visser is a passionate Realtor who lists, sells, and dwells in Northern Virginia. Currently, she serves as a REALTOR at eXp Realty, LLC. As a life-long resident of Virginia, Melody has....