Cross cuts are cuts the go against the woodgrain. Once you've properly measured and marked your piece of wood, guide the side of the handsaw blade with the knuckle of your thumb. Start the cut by pulling your hand saw up two or three times, then push the saw blade forward at about a 45 degree angle. It is preferable to begin your cuts on the side of the wood that will show less when the project is complete.
Homeowners’ insurance policies typically insure the contents of the home for a percentage of the structure’s replacement cost. But chances are your furnishings and other “stuff” haven’t increased in value as rapidly as your home has appreciated over the past three or four years. As a result, you may be able to shave something off your escalating insurance premium by reviewing the inside coverage amount.