If you are taking cash out of a refinancing and/or folding the closing costs into the new loan, watch the loan-to-value ratio of the new mortgage. If it's above 80 percent, you will have to purchase private mortgage insurance, the added cost of which may make the refinancing less attractive.
Before you glue up wood for a project, examine the parts. If at all possible, start out with cleanly cut, perfectly straight boards of the proper thickness. Take out any bow or warp before you begin your gluing work. By using straight and true stock, you won’t have to force the boards in one direction or another, and you won’t have to get into tricky, complicated clamping set-ups.