No matter what size your workshop is, there are some basic safety tools you should not be without. A smoke alarm, fire extinguisher, safety goggles, and first aid kit are absolute must-haves. Plus, all of your electrical outlets should be equipped with ground-fault circuit interrupters. If an emergency ever should ever arise, a telephone should be nearby to enable you to call for help.
If your home has single pane windows, as almost half of U.S. homes do, consider replacing them. New thermal-pane windows with high performance glass can cut your heating and cooling bills.
The loan to value ratio (LTV) is the amount of money you borrow compared with the price or appraised value of the home you are purchasing. Each loan has a specific LTV limit. For example: with a 95% LTV loan on a home priced at $50,000, you could borrow up to $47,500 (95% of $50,000), and would have to pay $2,500 as a down payment. The LTV ratio reflects the amount of equity borrowers have in their homes. The higher the LTV ratio, the less cash homebuyers are required to pay out of their own funds. So, to protect lenders against potential loss in case of default, higher LTV loans (80% or more) usually require a mortgage insurance policy.
If you're updating a bathroom, you'll need to know how to replace the toilet. Apply a wax seal over the floor toilet flange to prevent sewer gases from entering the room. For extra protection, put a second bead of plumber's putty to seal any imperfections between the floor and the bowl. Place the new bowl firmly and evenly over the seal and bolt it to the floor. Attach the tank. Cut your toilet tube supply to connect the tank to your water supply. Fill and tank and flush away!