Use a higher-top quality, durable ladder that is the correct height. Be confident it is securely positioned. To avoid falls, move the ladder as an alternative of leaning from side to side. Those of you that are in a mortgage and not upside down, this will be the year to refinance. The rule of thumb is 2 points. If the mortgage rates have dropped by at least 2 points then it is worth refinancing, but hold out because we have a ways to go before we see the bottom of the long term home interest rates.