October is a great time to begin prepping your lawn and garden for winter. We've had a beautiful fall season, but it won't be long before the rain and chilly temperatures arrive.

Now is the time to apply mulch - as winter protection - over the roots of your roses, azaleas, rhododendrons and berries.

You'll also want to clean up your flower beds to prevent insects from nestling in over the winter.

As the leaves begin to fall, October is also the time to spray your apple and stone fruit trees to prevent fungal and bacterial disease.

Be sure to dig-up and store your bulbs, such as geraniums, tuberous begonias, dahlias, and gladiolas for planting next year.