Don't overload extension cords by plugging in appliances that draw a total of more watts than the rating of the cord. Use special, heavy duty extension cords for high wattage appliances such as air conditioners, portable electric heaters, and freezers. When using outdoor tools and appliances, use only extension cords labeled for outdoor use.
Keep a tiny pencil sharpener in your nail pouch to keep a nice sharp point.
If you undertake a remodeling project, make sure you adjust your insurance coverage to reflect the increased value of your home.
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.