For home sites, the bottom line is pretty simple: You want soil that has good bearing capacity, exerts relatively low lateral pressure, and drains well, so that you can have a stable, dry foundation. The best natural soils for these purposes are sands and gravels. Silts and clays are fair, but the softest ones are poor. Then there are soils such as peat, expansive clay, and improperly deposited fill, which are so bad that they must usually be removed and replaced - often at considerable cost to you.
To keep sanpaper discs from curling up, make a simple jig to keep them flat. Cut out two pieces of 1/4-in. plywood that are slightly larger than the discs. Drill a 1/4-in. hole through the center of each of the pieces. Insert a bolt through one piece, lay the discs on it, and follow up with the second piece. Fasten the stack with a 1/4-in. bolt and wingnut.
For cleaning accumulated sawdust and wood resins from tools, use warm soapy water with a stiff scrub brush. If resin is a problem, you can try a solution of ammonia and warm water, but only soak parts in the solution a short time since it can cause them to rust. For grease or oil, soak parts in a good safety solvent.
When replacing sections of old galvanized pipe, use two smaller pipe wrenches to avoid twisting and jarring the rest of the pipes. Try to avoid excessive pressure or you may cause more leaks in joints down the line. When leaks develop, always inspect the rest of the piping. An entire section may need replacement, especially if the water pressure is low.
If you are about to start a carving or turning project, don't take wood from cold outside temperatures into your shop with high heat and low humidity and immediately start working on it. Give the wood a chance to equalize with your shop's climate, preferably for at least two weeks. Also don't leave large areas of end grain exposed to heat and low humidity. If the project can't be completed through a final finish, use some type of temporary sealer, such as paste wax or shellac, which can easily be removed before finishing.
Your real estate agent can give you a ballpark figure by showing you comparable listings. If you are working with a realtor, they may have access to comparable sales maintained on a database.
If you live in a flood plain, the lender will require that you have flood insurance before lending any money to you. But if you live near a flood plain, you may choose whether or not to get flood insurance coverage for your home. Work with an insurance agent to construct a policy that fits your needs.
The amount of the down payment, the size of the mortgage loan, the interest rate, the length of the repayment term and payment schedule will all affect the size of your mortgage payment.
A Good Faith Estimate is one that lists all fees paid before closing, all closing costs, and any escrow costs you will encounter when purchasing a home. The lender must supply it within three days of your application so that you can make accurate judgments when shopping for a loan.
This is the most commonly used FHA program. It offers a low down payment, flexible qualifying guidelines, limited lender's fees, and a maximum loan amount.