Whenever possible, use your microwave instead of the oven. Microwaves use less than half the power of a conventional oven and cook food in about one-fourth the time. Ovens also heat up the kitchen, making your cooling system and refrigerator work harder.
The U.S. Department of Housing and Urban Development, also known as HUD, helps people by administering a variety of programs that develop and support affordable housing. Specifically, HUD plays a large role in homeownership by making loans available for lower- and moderate-income families through its FHA mortgage insurance program and its HUD Homes program. HUD owns homes in many communities throughout the U.S. and offers them for sale at attractive prices and economical terms. HUD also seeks to protect consumers through education, Fair Housing Laws, and rehabilitation initiatives.