Purchase a heater with a guard around the heating element. A wire grill or other protection is essential to keep fingers or fabrics from touching the hot element. Portable electric heaters that heat by circulating oil or water, however, usually have lower surface temperatures and may not need guards.
If you undertake a remodeling project, make sure you adjust your insurance coverage to reflect the increased value of your home.
Termites and other pest can cause expensive damage. Here's what to look for: sawdust-like accumulations of frass indicate the presence of termites. An exterminator can spray or set traps to eliminate the infestation. A clean hole without cobwebs or leaves indicates an access hole for rodents. An exterminator can set a trap for them, too.
Regular fertilizer applications are necessary for good perennial growth. Apply 5-10-5 fertilizer in a ring around each perennial in the spring just as growth starts. Make two additional applications at six week intervals. Late bloomers such as chrysanthemum need an additional application in late summer. Always water the perennial bed after fertilizing.