EXAMPLES OF INTEREST CHARGES
	ANNUAL COST	COST FOR 30 DAYS
ANNUAL INTEREST RATE	Average daily balance	Average daily balance
$100	$500	$100	$500
19.9%	$19.90	$99.50	$1.64	$8.18
21.9%	$21.90	$109.50	$1.80	$9.00
The annual interest rate may apply to regular purchases, equal payment financing, deferred payment financing, deferred equal payment financing or multiple purchases by equal payment financing.

EXAMPLES OF INTEREST CHARGES

ANNUAL COST

COST FOR 30 DAYS

ANNUAL INTEREST RATE

Average daily balance

$100

$500

$100

$500

19.9%

$19.90

$99.50

$1.64

$8.18

21.9%

$21.90

$109.50

$1.80

$9.00

The annual interest rate may apply to regular purchases, equal payment financing, deferred payment financing, deferred equal payment financing or multiple purchases by equal payment financing.

Properly choosing and planting your trees and plants

Taking advantage of the natural beauty of trees and vegetation you’ve planted yourself is possible! Here are a few tips to successfully integrate trees, shrubs and plants into your garden landscape.

Before purchasing

Consider each of the following elements before buying trees and plants that will take root on your lawn:

Type of soil: texture, structure, drainage, PH levels, etc.
Weather conditions of the planting site: wind, severity of winter, etc.
Functional utility of the plant: windbreaking, noise protection, shade, highlighting the layout, etc.
Dimension and shape of the plant at maturity
Sunlight and water necessary for the plant’s survival
Plant resistance to insects, diseases and various issues such as salt and de-icing
Nearby elements: Electrical wires, house, road, neighbor’s lawn, already established plants, etc.

Keep these criteria in mind to ensure the success of your planting project. You can then take advantage of the beauty that your plants have to offer for years to come.

Pro tip

Don’t forget that your trees and plants will grow! Consult the tag on the plants that you purchase, or better, a specialist from a tree nursery, to know the space required to allow the long life and health of your trees and plants.

When to plant

Plants in containers or in a root-ball

At all times throughout the season except if the root-ball breaks. In that case, follow the planting method of plants with bare roots.
In the spring, plant when the soil is thawed and dry enough to be worked.
Avoid planting a woody plant in the fall. Note that planting small plants or shrubs late in the fall is a risk, because come next spring, we can sometimes observe the raising of the root-balls from the ground because of the icing of the soil.

Plants with bare roots

In the spring before the budburst
OR
In the fall during the dormant period. Note that the recovery of bare-rooted plants is a little riskier than that of root-balled or contained plants.

The variety of bare-rooted plants is now quite limited in store. They are less expensive most of the time, because there’s no need to pay for the container, the soil or the time to pot it. Shrubs sold to form hedges are sometimes offered with bare roots.

Where to plant

It is important to place your plant in an area that is convenient for it, to allow it to grow properly.

Plant small tree and shrubs at least 1 meter away from building foundations, and large-scale specimens at least 10 to 15 meters from your residence.
For hedges and mass planting, respect a certain distance according to the medium spread of mature subjects.
Avoid planting large-scale trees next to electrical wires, seeping fields or other obstacles that would hurt their development.

Buying the right amount of soil

Calculating the right amount of soil needed for your planting project, either to level your lawn before the day of, or plant your new hedges. This tool also calculates the necessary amount of compost, manure, mulch and limestone needed for your project.

Here are the steps to take for standing planting.

Dig a pit for planting 2 to 3 times larger than the diameter of the pot or the root-ball so that the walls aren’t parallel, but more on a slope. Dig a continuous pit for mass planting or hedges.
Verify the depth of the hole. It must correspond to the height of the pot or root-ball. For soil that isn’t properly drained, you must plant on top of a mound. Depending on the level of the soil, the depth of the whole should be two thirds of the height of the root-ball. You must then refill part of the root-ball until right above soil level while forming a mound.
Remove the plant from its container (plastic and carton), taking care not to break the root-ball. If the roots are rolled around the pot, cut them by making 3 to 4 deep incisions with the help of a knife, from top to bottom, without breaking the root-ball. This can be done if the plant is not in full growth mode or when the planting is not done during a heatwave. If the root-ball is fragile when taken out of the pot, place the plant, with the pot, in the pit. Cut and softly remove the bottom of the pot. Then, make a cut from top to bottom on each side of the pot, then plant the root-ball. Softly pull on the sides of the pot to remove the root-ball without breaking it. This method is useful when the plant was recently potted and the roots are still young and fragile.
Place the root-ball in the pit in a way that the stems of the plant are at the same height as they were in their pots.
If the plant is in a wire basket, leave it in the ground, but cut the cables that are fixed around the trunk.
Modify the existing soil with peat moss or compost to cushion it. We recommend a ratio of 2 parts recuperated soil for 1 part of amended soil (compost). Add bone meal or mycorrhiza.
Adjust pH levels as needed with horticultural limestone, depending on the results of the analysis of the soil. Soil testing kits are available in store.
Fill the pit with amended soil
Firm the soil and water it abundantly to eliminate air holes.
Fill the holes by forming a watering basin once the water has drained.
For trees that need it, install a stake facing dominant winds.
Cover the surface of the watering basin with a 5 to 10 cm layer of peat moss or mulch and bark nuggets to prevent the growth of weeds and to conserve the humidity of the soil. The use of a geotextile fabric underneath the mulch will make it even more practical when controlling weeds.
Water abundantly. Avoid adding soluble fertilizer if you have incorporated mycorrhiza in the ground.
Then, water often and ensure that the water penetrates at least 30 cm deep.
Remove plant labels by taking care to note the elements to remember in a gardening journal.

How to maintain

The general rule is that these 3 tasks should be completed throughout the season :

Avoid letting grass grow or weeds at the foot of the planted vegetation.
Eliminate water sprouts, those branches and twigs that grow from the trunk but don’t produce anything. They tend to hijack the sap from stems and productive branches.
Monitor stakes and their attachments so they don’t harm the trunk or branches.

Watering

Remember: too much water harms your plants just as much as not enough. Watering that’s too superficial encourages your trees and plants to develop their roots at the surface and makes them more fragile.

Water generously at least once a week during the first season of growth so that the water penetrates to a depth of at least 30 cm.
Avoid an excess of water outside of heat waves.
Water gradually to avoid any run-off.
Water in the morning to allow the foliage to dry quickly. Note that wet foliage and cool temperatures encourage the growth of disease.

Pro tip

Adding mulch is an excellent way to prevent the loss of humidity, reduce the number of weeds and even decrease the risk of spreading brown rot. You need approximately 7.5 cm of mulch (3 inches) to avoid the growth of most weeds!

Fertilisation

As your plants grow, they feed on the nutrients in the soil. Fertilizing your plants with a rich fertilizer furnishes them with nutrients they need throughout their growth and according to the time of the year.

Before using soil amendment or a fertilizer, always read the label of the product and carefully follow the recommendations of the manufacturer.
Pay attention to the method of use, precautions to take before, during and after use of the product and how to safely store it.
Note that the type of fertilizer needed for trees, leafy shrubs, conifers and no-flower climbing plants has a formula similar to 5-2-2. Plants that flower can receive a fertilizer that contains less nitrogen, like the 3-3-5.
Fertilize in spring before the beginning of vegetation. The recommended dose of application is generally based on the size of the plant and the type of formulation. The dosage is indicated by manufacturers.
It is preferable to select organic, granular fertilizer over soluble ones.
It is better to do the application to the soil under the perimeter of the branches for a better absorption by the roots.
Fertilize the heavy-duty plants by digging a hole between 13 and 30 cm deep to incorporate the granular fertilizer.
Space out the 30 cm holes in the case of small shrubs, conifers or trees, and 60 cm for heavy-duty plants.
Water and fill the holes in the ground.

Fertilization of woody plants

Woody plants include small trees, plants and shrubs whose stems are composed of wood.

In many cases, it’s not necessary to add fertilizer to woody plants throughout the season
We never have to fertilize this category of plant after mid-July, in order to favour cold hardening – transformation of wood branches and/or ripening of fruits – plants before winter.
If the growth of the plants is very strong and they have a great size, it’s not necessary to fertilize them each year.