Brightening up your workplace will make work easier and cut down on mistakes and mishaps. To free your benchwork of glare and shadows use two 48-in. tubes in a utility fluorescent fixture, centered over the front edge of your workbench, 48 in. above the work area. For extra light to see details, consider portable halogen worklights. Tripods for these lights makes it easy to put light where you need it. Also consider clamping lamps with a 50-watt reflector bulb near task areas like vises and drill presses.
The Federal Housing Administration works to make homeownership a possibility for more Americans. With the FHA, you don’t need perfect credit or a high-paying job to qualify for a loan. The FHA also makes loans more accessible by requiring smaller down payments than conventional loans. In fact, an FHA down payment could be as little as a few months’ rent. And your monthly payments may not be much more than rent.