You may already know what annuals are without realizing it! They are the flowers, arrayed in flats and pots, for sale every spring down at the garden center — everything from geraniums to impatiens to marigolds. You bring them home and plunk ‘em in the ground, and they get right to work, delivering pretty much continuous color all summer long. When fall comes, they start to slow down (some might even go to seed); cold weather eventually causes them to wither and die. That’s it. (That is, unless you live in a frost-free climate; in this case, your “annuals” become perennials.

For the brief time annuals are growing and pumping out flowers, you get a lot of bang for your buck. A great deal of selection and breeding refinements over the years have made these plants totally reliable. They’re hard to kill. Indeed, some of them keep blooming their cheery heads off even when you neglect them. More sophisticated gardeners have been known to sneer at good old annuals. They’re boring. They’re too perky. They’re “plastic plants.” These folks may or may not have a point, but hey, annuals are hard to beat if you want a colorful garden.

In the end, the main drawback of annuals is economic. You have to buy new ones every spring. If you’re planting a wide area, running out to buy more year in and year out can get expensive. Time may also be an issue for you - you may grow sick and tired of getting down on your hands and knees and replanting.

You can use annuals…

• To fill an entire flowerbed (this popular use is why some places call annuals bedding plants)
• In container displays — in pots, windowboxes, patio planter boxes, and more
• To fill a hanging basket
• To edge a walkway
• To “spot” color in a perennial bed
• In edging and as decoration for a vegetable or herb garden
• To cover over or at least distract from a fading spring bulb display

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When it comes to shopping for financial products, comparison websites have become incredibly popular in recent years. In fact, the sector grew so quickly that there are now many comparison websites in competition with each other and it is difficult to watch the television for any period of time without seeing an advert for such a site.

Comparison websites offer to the do the legwork of shopping for a financial product for you. They search round the market and find you the best possible deal out there, meaning that when they come back to you with a final policy it’s the best that you can find.

Unfortunately, according to the FSA, this isn’t always true, and when it comes to home insurance it’s definitely not true. No two home insurance policies should be alike by the simple fact that no two sets of possessions are exactly the same.

The best home insurance policy (and in fact the best insurance policy of any sort) is the one that is most closely tailored to your individual circumstances and needs. For this reason, getting a policy from a comparison website where you haven’t actually spoken to someone regrading your particular circumstances is not the best way.

Further, some insurance providers have withdrawn their policies from comparison websites so the entire market isn’t being scanned, and some offer discounts when you go directly to their website, again making it possible to find cheaper deals through other methods.

The reason for this is that comparison websites make their money by commission from insurance companies and advertising. This commission doesn’t come out of the insurance company’s pocket, it comes out of yours and therefore the policy might be more expensive through a different website, or even directly from the insurer.