When installing subfloor plywood it is a good idea to glue it down with a construction adhesive to prevent floor squeaks.
There are three major credit reporting companies: Equifax, Experian, and Trans Union. Obtaining your credit report is as easy as calling and requesting one. Once you receive the report, it's important to verify its accuracy. Double-check the "high credit limit", "total loan," and "past due" columns. It's a good idea to get copies from all three companies to assure there are no mistakes since any of the three could be providing a report to your lender. Fees, ranging from $5-$20, are usually charged to issue credit reports but some states permit citizens to acquire a free one. Contact the reporting companies at the numbers listed for more information. Experian 1-800-682-7654, Equifax 1-800-685-1111, Trans Union 1-800-916-8800
A fire in the fireplace is relaxing, but they don't heat your home as thoroughly as you may think. Fireplaces deliver 10 percent or less of the fire's heat to the room and will increase your heating bill in two ways. First, firewood costs more than the value of the delivered heat. Seasoned oak firewood must cost less than $20 per cord (a cord is a stack 4 feet wide by 4 feet high by 8 feet long) to provide heat from a fireplace at a cost comparable to a heat pump, according to the University of Tennessee Agricultural Extension Service. Fireplaces also require a large volume of air from the chimney. The incoming air cools the rest of the house, causing the primary heater to operate more than if you had no fire.