Most bulbs, including tulips and daffodils, should be planted with the pointed end up-this is where the leaves will emerge. Small, round bulbs can be planted in any direction. If in doubt, plant bulbs on their sides. This will make it easier for the leaves to grow up and the roots to grow down than if the bulb were planted completely upside down.
Insulating your hot water heater tank with an insualting jacket will pay for itself in one year or less.
The plastic containers used for push-up deodorants can be recycled into excellent holders for items like nailsets, small drill bits or saw blades. The containers have easy-to-remove caps, and you can push up the bottoms to expose smaller items. Use a felt-tipped pen to mark what's stored inside.
The lender considers your debt-to-income ratio, which is a comparison of your gross (pre-tax) income to housing and non-housing expenses. Non-housing expenses include such long-term debts as car or student loan payments, alimony, or child support. According to the FHA, monthly mortgage payments should be no more than 29% of gross income, while the mortgage payment, combined with non-housing expenses, should total no more than 41% of income. The lender also considers cash available for down payment and closing costs, credit history, etc. when determining your maximum loan amount.