Your personal situation will determine the best kind of loan for you. By asking yourself a few questions, you can help narrow your search among the many options available and discover which loan suits you best. Do you expect your finances to changeover the next few years? Are you planning to live in this home for a long period of time? Are you comfortable with the idea of a changing mortgage payment amount? Do you wish to be free of mortgage debt as your children approach college age or as you prepare for retirement? Your lender can help you use your answers to questions such as these to decide which loan best fits your needs.
Ceiling fans should rotate counter clock-wise in the summer (to generate a breeze downward to cool you off) and clock-wise in the winter (to cycle the warm air that rises to your ceiling.) Do not be afraid to run your ceiling fan in the winter. You can expect a 10-15% savings on your heating bill. You can save up to 40% off your cooling bill in the summer.