Conventional mortgage loans usually can't be assumed by new buyers, but FHA and VA loans can be. The borrower must qualify for the loan and come up with a large enough down payment to cover the purchase, but for buyers able to clear those hurdles, the lower overall origination costs can make this an attractive option.
When reopening your pool for a new season, make sure your pump and filter are working properly before adding chemicals to the water.
Before you go out to shovel the snow from your driveway and walks, take a few moments to prepare yourself for what is often a good workout. Do few stretches, drink plenty of water and dress in layers. Boots with good traction are a must, as are gloves that allow you to firmly grasp the shovel's handle. Never try to lift more than you can carry and avoid smoking as it reduces oxygen needed for such strenous work.
How often have you been at the store, knowing you should pick up a filter, humidifier pad, vacuum bag or plumbing part, but don't remember the size or the part number? A solution is to make up a Òparts cardÓ the size of a business card to carry in your billfold. Write down the part numbers on it for all your home or equipment parts that need regular replacement, and add to it as needed.