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Mortar, or masonry mortar, is mainly used in joints and as parging for stone, brick, or cement construction. Stucco is primarily a surface material used as wall coverings. For maintenance, masonry will need repointing or replacing as damage or land shifting occurs, whereas stucco will need patching or refinishing as it tends to crack over time along with other types of wear-and-tear.

Yes, you can do German schmear on stone. You can account for the more textured and rough surface of stone by using a large paintbrush instead of a putty knife. A brush allows you to drag mortar across the stone to get it into all the cracks and crevices. However, a brush will cover more of the surface, so you may need a wet sponge to scrub excess mortar and expose more of your stone.

Masonry is an umbrella term that involves adhering individual building materials together using an adhesive, so many different things are considered masonry. These include constructing stone or brick walls or facades, installing stucco siding, installing backsplashes or tile floors, and even installing glass block windows, in some cases. Masonry materials include natural stone, clay bricks, concrete bricks, glass blocks, and tiles.

It is possible, albeit a lot slower, to break up a rock using water. You would do this by freezing and thawing the water. You could create some initial holes or cracks in the rock, then pour water into the cracks or holes and allow them to freeze (so it's best to do this in winter or in colder climates). Since water expands when it freezes, this puts pressure on the inside of the rock and causes it to crack. You could continue to pour more water in and let it freeze to continue to break up the rock.