Water heaters consume much of their energy just to keep a supply of hot water ready and waiting in the tank. The heat gradually leaks out of the tank until the heater turns on again to heat the water back up. To minimize this heat loss, ready-made kits for insulating water heaters and hot water pipes are available at hardware stores and building supply stores. Your utility company may also provide these at a discounted cost or offer a rebate on your purchase. Be careful not to cover the thermostat when insulating your water heater and always follow manufacturer's instructions.
This is the most commonly used FHA program. It offers a low down payment, flexible qualifying guidelines, limited lender’s fees, and a maximum loan amount.
When reading a preliminary title report, it is important to check the extent of your ownership rights or interest. The most common form of interest is "fee simple" or "fee," which is the highest type of interest an owner can have in land. Liens, restrictions and interests of others excluded from title coverage will be listed numerically as exceptions in the report.
To remove the popcorn ceiling, start by protecting all the surfaces including floors and walls that you do not want to get damaged or wet. Since water is used in the process be sure to turn off the electricity at the breaker. Use a garden sprayer or spray bottle if you don't mind refilling often and saturate the ceiling. Use a plastic scraper to remove the popcorn material. As a side note if your ceiling was installed in the early seventies it may contain asbestos. Send a small sample to a certified lab prior to removing. While removing the popcorn, chances are some the joint compound was also removed. To insure a flat ceiling refill the joints and any screw/nail holes with fresh joint compound. Let dry, sand and repeat, to insure a flat surface a skim coat may need to be applied. Prime the ceiling with primer recommend for wallboard and a blank slate is created.