A sharp mower blade is a key to a perfect cutting job. However, whenever you sharpen a blade yourself, always check it for balance. An out-of-balance blade can cause excess mower vibration and wear. One way to check is to tie a metal washer onto a string, thread the string through the center hole of the blade, then hold the blade up with the washer supporting it. The washer should be on center and turned perpendicular to the blade. The blade should stay level. If it doesn't, grind it for balance on the back side of the blade. Always disconnect the lawnmower's sparkplug wire before removing or replacing any blade.
Discount points allow you to lower your interest rate. They are essentially prepaid interest, with each point equaling 1% of the total loan amount. Generally, for each point paid on a 30-year mortgage, the interest rate is reduced by 1/8 (or.125) of a percentage point. When shopping for loans, ask lenders for an interest rate with 0 points and then see how much the rate decreases with each point paid. Discount points are smart if you plan to stay in a home for some time since they can lower the monthly loan payment. Points are tax deductible when you purchase a home and you may be able to negotiate for the seller to pay for some of them.