Read and keep the owner’s manual for all of your tools. They often contain vital info you’ll refer to throughout the life of the tool.
The Energy Efficient Mortgage (EEM) allows a homebuyer to save future money on utility bills. This is done by financing the cost of adding energy-efficiency features to a new or existing home as part of an FHA-insured home purchase. The EEM can be used with both 203(b) and 203(k) loans. Basic guidelines for EEMs are as follows: The cost of improvements must be determined by a Home Energy Rating System or by an energy consultant. This cost must be less than the anticipated savings from the improvements. One- and two-unit new or existing homes are eligible; condos are not. The improvements financed may be 5% of property value or $4,000, whichever is greater. The total must fall within the FHA loan limit.
You know that old freezer "Uncle Harry" gave you to use in the basement so you could save money by storing on-sale food items? Well, it costs more to run that freezer for a year than you'll ever see in returns on food savings. If you're looking to save energy, and money, it makes more sense to have only one, well running, efficient refrigerator/freezer.