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Friday, April 28, 2023 • B3
For Arbor Day, plant a tree resilient to climate change Jessica Damiano ASSOCIATED PRESS Trees are long-term investments that often outlive the people who plant them. And with the world’s climate changing fast, we now need to consider whether the trees we plant today will be able to withstand the changing conditions in our gardens over the next 30, 50 or even 100 years. “Things are changing faster than the lifespan of trees,” said Daniel Herms, an entomologist specializing in the resiliency of trees at the research branch of the Davey Tree Expert Co., a landscaping firm based in Kent, Ohio. Over the next few decades, some trees will thrive and others won’t, “depending on traits that make them adapt to the changing climate,” he said. Those changes include rising temperatures, and rain and drought patterns. Even some iconic state trees are not considered resilient in their own states, Herms said. For example, California’s coastal redwoods “are very dependent on the moisture that comes from fog, and that fog is being reduced.” Other state trees that are vulnerable to climate change in their state, although they could be resilient elsewhere, include, according to Herms: w Colorado’s blue spruce; w Idaho’s Western white pine;
forests.” Arbor Day, which falls nationally this Friday (April 28) in the U.S., is the annual observance of the importance of planting trees. The date varies in some states and countries based upon the ideal tree-planting date there. If you’re planning to plant a tree this spring, Herms suggests selecting a species that currently thrives in your horticultural zone (see https://planthardiness.ars. usda.gov/ ) as well as two zones warmer. For example, a homeowner in Zone 6 should seek out trees that are well-suited for Zones 6-8. Your local cooperative extension office and some large arboretums with research divisions in your state may be able to offer further guidance on tree selection, as many are compiling data and formulating BRIAN LOCKHART / U.S. DEPARTMENT OF AGRICULTURE FOREST SERVICE / BUGWOOD.ORG VIA ASSOCIATED PRESS recommendations. To reduce stress and help A group of coastal redwood trees (Sequoia sempervirens), one of two species designated as state trees of Calensure your new tree ifornia, is seen. thrives, dig a hole exactly as w Maine’s Eastern white deep and twice as wide as that has been deemed vulbetter. A credentialed, certi- and natural cooling during the summer, especially in pine; the tree’s root ball. Incorponerable in your area, there’s fied arborist can help. w Minnesota’s red pine; no need to replace it, he When selecting new trees, cities. “They also reduce rate a generous helping of w Nevada’s single-leaf pisaid. gardeners and landscapers stormwater runoff and secompost into the backfill. “In most cases, it can con- should choose species that quester and store carbon, Keep it well watered, espenon; w New Hampshire’s white tinue to grow in the residen- are well-adapted not only to so they can contribute to cially during the first three the current environment birch; climate goals as we get years as it becomes estabtial landscape with a but that can adapt to the w New Mexico’s pinon pine; proactive healthcare procloser to net zero,” Herms lished. Trees generally rew Oregon’s Douglas fir; said, using a term defined gram,” he said. That means new one they’ll experience quire 1 inch of water per w Pennsylvania’s hemlock; making conditions as favor- in their lifetime, Herms said. by the U.N. as the goal of week, either from rainfall, This is especially import- “cutting greenhouse gas w South Dakota’s black hills able as possible by providsupplemental irrigation or a spruce; emissions to as close to combination, Herms said. ing proper irrigation, insect ant since trees are one of w Utah’s blue spruce; zero as possible, with any As the old saying goes, and disease protection and the solutions to climate w West Virginia’s sugar ma- treatment, and a good nutri- change. remaining emissions re-ab“the best time to plant a tree was 20 years ago. The In addition to producing ple; tion program, all of which sorbed from the atmosecond-best time is today.” oxygen, trees provide shade sphere, by oceans and If you are growing a tree help trees tolerate stress
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Long-term mortgage rate rises to 6.43 percent this week ASSOCIATED PRESS
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Visit us in a branch or online at LOS ANGELES — The average long-term U.S. mortgage rate rose this week for the second week in a Federally insured by NCUA. row, another setback for homebuyers facing a housing market that remains unaffordable for many Americans after years of soaring home prices. نzƺɯ ȅƺȅƫƺȸɀ ǔȒȸ ɵȒɖɎǝ ƏƬƬȒɖȇɎ ȒȇǼɵِ kƏɖƏٻǣ I!È ɯǣǼǼ ȅƏǸƺ ɵȒɖȸ ˡȸɀɎ ƳƺȵȒɀǣɎ Ȓǔ ِדאڟɯǝƺȇ ɵȒɖ Ȓ The average rate on the benchVisit us in a branch or online at kauaicreditunion.org to learn how to get started mark 30-year fixed-rate home loan ȸƺȷɖǣȸƺƳ ɎȒ ȸƺƬƺǣɮƺ Ɏǝƺ ƫȒȇɖɀِ (ƺȵȒɀǣɎ ɯǣǼǼ ƫƺ ȅƏƳƺ ƏɎ Ɏǣȅƺ Ȓǔ ƏƬƬȒɖȇɎ ȒȵƺȇǣȇǕِ xɖɀɎ ȅƏǣȇɎƏǣȇ Ə ȅǣȇ edged up to 6.43 percent from 6.39 Visit us in a branch Federally insured by NCUA. ƺƏȸȇ ۏِȇȇɖƏǼ ¨ƺȸƬƺȇɎƏǕƺ çǣƺǼƳ Ȓȇ Ə ȵƺȸɀȒȇƏǼ ɀƏɮǣȇǕɀ ƏƬƬȒɖȇɎِ ۏِǣɀ ƏƬƬɖȸƏɎƺ Əɀ Ȓǔ Ɏǝƺ ǼƏɀɎ Ƴǣɮ percent last week, mortgage buyer Freddie Mac said Thursday. A year Federally insured b ƏƬƬȒɖȇɎِ çȒɖɎǝ ƏƬƬȒɖȇɎ ȸƺȷɖǣȸƺɀ Əȇ ƏƳɖǼɎ זȒȸ ȒǼƳƺȸ Əɀ Ə ǴȒǣȇɎ ƏƬƬȒɖȇɎِ ago, it averaged 5.10 percent. Higher rates can add hundreds of dollars a month in costs for homebuyers, on top of already high ɖƏٻǣ I!È ɯǣǼǼ ȅƏǸƺ ɵȒɖȸ ˡȸɀɎ ƳƺȵȒɀǣɎ Ȓǔ ِדאڟɯǝƺȇ ɵȒɖ Ȓȵƺȇ Əȇ ƏƬƬȒɖȇɎ ƫƺɎɯƺƺȇ ِבאٖבٖגٮבאٖٖגzȒ ȅǣȇǣȅɖȅ home prices. نzƺɯ ȅƺȅƫƺȸɀ ǔȒȸ ɵȒɖɎǝ ƏƬƬȒɖȇɎ ȒȇǼɵِ kƏɖƏٻǣ I!È ɯǣǼǼ ȅƏǸƺ ɵȒɖȸ ˡȸɀɎ ƳƺȵȒɀǣɎ Ȓǔ ِדאڟ ƫƺ ȅƏƳƺ ƏɎ Ɏǣȅƺ Ȓǔ ƏƬƬȒɖȇɎ ȒȵƺȇǣȇǕِ xɖɀɎ ȅƏǣȇɎƏǣȇ Ə ȅǣȇǣȅɖȅ ƫƏǼƏȇƬƺ Ȓǔ ِדאڟɎȒ Ǹƺƺȵ Ɏǝƺ ƏƬƬȒɖȇɎ Ȓȵƺȇ ƏȇƳ The average rate on a 30-year mortgage fell for five straight ȸƺȷɖǣȸƺƳ ɎȒ ȸƺƬƺǣɮƺ Ɏǝƺ ƫȒȇɖɀِ (ƺȵȒɀǣɎ ɯǣǼǼ ƫƺ ȅƏƳƺ ƏɎ Ɏǣȅƺ Ȓǔ ƏƬƬȒɖȇɎ ȒȵƺȇǣȇǕِ xɖɀɎ ȅ ȸɀȒȇƏǼ ɀƏɮǣȇǕɀ ƏƬƬȒɖȇɎِ ۏِǣɀ ƏƬƬɖȸƏɎƺ Əɀ Ȓǔ Ɏǝƺ ǼƏɀɎ ƳǣɮǣƳƺȇƳ ƳƺƬǼƏȸƏɎǣȒȇ ƳƏɎƺِ «ƏɎƺ ȅƏɵ ƬǝƏȇǕƺ ƏǔɎƺȸ ȒȵƺȇǣȇǕ weeks before rising last week. The ƺƏȸȇ ۏِȇȇɖƏǼ ¨ƺȸƬƺȇɎƏǕƺ çǣƺǼƳ Ȓȇ Ə ȵƺȸɀȒȇƏǼ ɀƏɮǣȇǕɀ ƏƬƬȒɖȇɎِ ۏِǣɀ ƏƬƬɖȸƏɎƺ Əɀ זȒȸ ȒǼƳƺȸ Əɀ Ə ǴȒǣȇɎ ƏƬƬȒɖȇɎِ average rate on 15-year fixed-rate mortgages, popular with those reƏƬƬȒɖȇɎِ çȒɖɎǝ ƏƬƬȒɖȇɎ ȸƺȷɖǣȸƺɀ Əȇ ƏƳɖǼɎ זȒȸ ȒǼƳƺȸ Əɀ Ə ǴȒǣȇɎ ƏƬƬȒɖȇɎِ financing their homes, fell this week to 5.71 percent from 5.76 perVisit cent a week earlier. Visit us us in in a a branch branch or or online online at at kauaicreditunion.org kauaicreditunion.org to to learn learn how how to to get get started started Higher borrowing costs have Visit us in a branchby or online at kauaicreditunion.org to learn how to get started taken a toll on the housing market Federally Federally insured insured by NCUA. NCUA. over the past year. The spring homebuying season, traditionally Federally insured by NCUA. the busiest period for home sales, *New members for youth account only. Kaua‘i FCU will make your first deposit is off to a lackluster start, partly due to the elevated borrowing of $25.00 when you open an account between 4/1/23-4/30/23. No minimum ȒɖȇɎ ȒȇǼɵِ kƏɖƏٻǣ I!È ɯǣǼǼ ȅƏǸƺ ɵȒɖȸ ˡȸɀɎ ƳƺȵȒɀǣɎ Ȓǔ ِדאڟɯǝƺȇ ɵȒɖ Ȓȵƺȇ Əȇ ƏƬƬȒɖȇɎ ƫƺɎɯƺƺȇ ِבאٖבٖגٮבאٖٖגzȒ ȅǣȇǣȅɖȅ ȒɖȇɎ ȒȇǼɵِ kƏɖƏٻǣ I!È ɯǣǼǼ ȅƏǸƺ ɵȒɖȸ ˡȸɀɎ ƳƺȵȒɀǣɎ Ȓǔ ِדאڟɯǝƺȇ ɵȒɖ Ȓȵƺȇ Əȇ ƏƬƬȒɖȇɎ ƫƺɎɯƺƺȇ ِבאٖבٖגٮבאٖٖגzȒ ȅǣȇǣȅɖȅ costs. required to receive the bonus. Deposit will be made at time of account opening. Sales of previously occupied ِ (ƺȵȒɀǣɎ ɯǣǼǼ ƫƺ ȅƏƳƺ ƏɎ Ɏǣȅƺ Ȓǔ ƏƬƬȒɖȇɎ ȒȵƺȇǣȇǕِ xɖɀɎ ȅƏǣȇɎƏǣȇ Ə ȅǣȇǣȅɖȅ ƫƏǼƏȇƬƺ Ȓǔ ِדאڟɎȒ Ǹƺƺȵ Ɏǝƺ ƏƬƬȒɖȇɎ Ȓȵƺȇ ƏȇƳ ِ (ƺȵȒɀǣɎ ɯǣǼǼ ƫƺ ȅƏƳƺ ƏɎ Ɏǣȅƺ Ȓǔ ƏƬƬȒɖȇɎ ȒȵƺȇǣȇǕِ xɖɀɎ ȅƏǣȇɎƏǣȇ Ə ȅǣȇǣȅɖȅ ƫƏǼƏȇƬƺ Ȓǔ ِדאڟɎȒ Ǹƺƺȵ Ɏǝƺ ƏƬƬȒɖȇɎ Ȓȵƺȇ ƏȇƳ ȒɖȇɎ ȒȇǼɵِ kƏɖƏٻǣ I!È ɯǣǼǼ ȅƏǸƺ ɵȒɖȸ ˡȸɀɎ ƳƺȵȒɀǣɎ Ȓǔ ِדאڟɯǝƺȇ ɵȒɖ Ȓȵƺȇ Əȇ ƏƬƬȒɖȇɎ ƫƺɎɯƺƺȇ ِבאٖבٖגٮבאٖٖגzȒ ȅǣȇǣȅɖȅ U.S. homes fell 2.4 percent from Must maintain a minimum balance of $25.00 to keep the account open and earn ƺ çǣƺǼƳ Ȓȇ Ə ȵƺȸɀȒȇƏǼ ɀƏɮǣȇǕɀ ƏƬƬȒɖȇɎِ ۏِǣɀ ƏƬƬɖȸƏɎƺ Əɀ Ȓǔ Ɏǝƺ ǼƏɀɎ ƳǣɮǣƳƺȇƳ ƳƺƬǼƏȸƏɎǣȒȇ ƳƏɎƺِ «ƏɎƺ ȅƏɵ ƬǝƏȇǕƺ ƏǔɎƺȸ ȒȵƺȇǣȇǕ February to March to an annual ƺ çǣƺǼƳ Ȓȇ Ə ȵƺȸɀȒȇƏǼ ɀƏɮǣȇǕɀ ƏƬƬȒɖȇɎِ ۏِǣɀ ƏƬƬɖȸƏɎƺ Əɀ Ȓǔ Ɏǝƺ ǼƏɀɎ ƳǣɮǣƳƺȇƳ ƳƺƬǼƏȸƏɎǣȒȇ ƳƏɎƺِ «ƏɎƺ ȅƏɵ ƬǝƏȇǕƺ ƏǔɎƺȸ ȒȵƺȇǣȇǕ ِ (ƺȵȒɀǣɎ ɯǣǼǼ ƫƺ ȅƏƳƺ ƏɎ Ɏǣȅƺ Ȓǔ ƏƬƬȒɖȇɎ ȒȵƺȇǣȇǕِ xɖɀɎ ȅƏǣȇɎƏǣȇ Ə ȅǣȇǣȅɖȅ ƫƏǼƏȇƬƺ Ȓǔ ِדאڟɎȒ Ǹƺƺȵ Ɏǝƺ ƏƬƬȒɖȇɎ Ȓȵƺȇ ƏȇƳ 0.10% Annual Percentage Yield on a personal savings account. 0.10% is accurate rate of 4.44 million, according to ǣȸƺɀ Əȇ ƏƳɖǼɎ זȒȸ ȒǼƳƺȸ Əɀ Ə ǴȒǣȇɎ ƏƬƬȒɖȇɎِ ǣȸƺɀ Əȇ ƏƳɖǼɎ זȒȸ ȒǼƳƺȸ Əɀ Ə ǴȒǣȇɎ ƏƬƬȒɖȇɎِ ƺ çǣƺǼƳ Ȓȇ Ə ȵƺȸɀȒȇƏǼ ɀƏɮǣȇǕɀ ƏƬƬȒɖȇɎِ ۏِǣɀ ƏƬƬɖȸƏɎƺ Əɀ Ȓǔ Ɏǝƺ ǼƏɀɎ ƳǣɮǣƳƺȇƳ ƳƺƬǼƏȸƏɎǣȒȇ ƳƏɎƺِ «ƏɎƺ ȅƏɵ ƬǝƏȇǕƺ ƏǔɎƺȸ ȒȵƺȇǣȇǕ as of the last dividend declaration date. Rate may change after opening account. the National Association of Realtors. The national median home Youth account requires an adult 18 or older as a joint account. ǣȸƺɀ Əȇ ƏƳɖǼɎ זȒȸ ȒǼƳƺȸ Əɀ Ə ǴȒǣȇɎ ƏƬƬȒɖȇɎِ price fell to $375,700 last month — down 0.9 percent from a year earlier and the biggest year-over-year drop since January 2012.
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