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Yes, you can find ceiling joists using simple tools if a stud finder isn't available.

Using a hammer requires patience and a keen ear. Gently tap the ceiling in a grid pattern, listening for sound changes. A hollow sound indicates space between joists, while a solid, dull thud suggests a joist. Mark the location with a pencil and confirm by tapping from different angles.

Alternatively, you can use a nail, but this method will leave small holes. You'll feel increased resistance when the nail hits a joist. Mark the spot and repeat the process every 16 or 24 inches to map the joist locations. This method is considered less reliable than using a stud finder.

Yes, ceiling joists are typically load-bearing. However, their primary function is to support the weight of the ceiling and loads applied to it, like lighting fixtures and ceiling fans. They can also help support the roof, especially if they’re part of truss systems. Remember, the load-bearing capacity of ceiling joists depends on the material, size, and space between them. 

Joists and beams are both part of the flooring system above your basement, with the beams spanning the length of your home and getting support from vertical posts underneath, and joists usually spanning half the width of your home with no support posts underneath. The floor joists provide even support to the subflooring and flooring above, and they distribute that load to the beams. The beams then distribute that load down through the support posts to the foundation.

It is common for a contractor to ask for a down payment before starting a project, especially for jobs that require purchasing materials and equipment or hiring a crew. The deposit amount can range from 10% to 50% of the total job cost. While a request for up to 50% is not unusual, a contractor should not ask for more than that, and you should never pay for a project in full before the work has begun. To protect yourself, always discuss payment terms before starting and have a written contract that outlines the project timeline and expectations. Additionally, be sure to hire reputable contractors and check their licensing and insurance before the project begins.