If you lock in a mortgage rate, make sure the expiration date leaves enough time to complete the real estate closing. The flood of home purchases and refinancings has created major processing delays, so if there is any question about the processing time, or if you seem to be cutting it close, you may want to pay a little more for a longer lock-in period rather than risk losing your rate.
Having a trigger-type oil-can close to your drill press is handy when drilling metal. To make oiling more convenient, find a container that will hold an oil-can that you have available. Then cut two small slits in the upper part to accept a worm-gear hose clamp. Slip the clamp strip into one of the holes and out the other. Then wrap the hose clamp around the post of your drill press, about 5 in. down from the upper assembly. Drop the oil-can into the holder. From then on oil will always be just an arm’s reach away.