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by batticdoor on 10/06/08 : How To Reduce Your Energy Bills / Energy Conservation Begins at Home Imagine leaving a window open all winter long -- the heat loss, cold drafts and wasted energy! If your home has a folding attic stair, a whole house fan or AC Return, a fireplace or a clothes dryer, that may be just what is occurring in your home every day. These often overlooked sources of heat loss and air leakage can cause heat to pour out and the cold outside air to rush in -- costing you higher heating bills. Air leaks are the largest source of heating and cooling loss in the home. Air leaks occur through the small cracks around doors, windows, pipes, etc. Most homeowners are well aware of the benefits caulk and weatherstripping provide to minimize heat loss and cold drafts. But what can you do about the four largest “holes” in your home -- the folding attic stair, the whole house fan or AC return, ...
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by JoshDowlut on 09/19/08 : In short, you are attempting to thread the needle of not being able to afford your current payment, but being able to afford a lower payment based on a rate of 5-6% fully amortized (principal and interest) and a pay back period of no more than 30 to maybe 40 years at the absolute most. You also must be 2-3 months down for your lender to take you seriously and have little to no or negative equity to make it in your lender's best interest not to foreclose. You must be able to document this. The fee based loan mod companies that have popped up from the carcasses of dead LO's and mortgage companies are mostly scams that take predatory lending to a whole new level. CA, and MD are the only states that regulate it at all. -Josh Dowlut ...
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