Careful on monthly price per KWH calculations (local rates can fluctuate).  

Take a look at how just two percentage points can change your payment: Loan $165,000 Rate: 3.5% Term: 30 years PAYMENT: $740.92Loan $165,000 Rate: 4.0% Term: 30 years PAYMENT: $787.74Loan $165,000 Rate: 5.5% Term: 30 years PAYMENT: $936.85You would be better off locking in a rate on a 15 or 30 year mortgage rather than having the worries that as interest rates increase your return decreases.To see if a HELOC will be better, make sure you calculate how much interest your will pay on this loan (higher interest rate + fluctuating) over lets say 5 years compared with a traditional 15 or 30 year mortgage.

Bac Nguyen - You failed to mention that the annual fees for Equity Trust fluctuate depending on the amount of assets in the account.

Crime rates can fluctuate and there are ways to get increased police patrols in the area which may or may not affect the crime rate.

the "per season" apparently means the visit price may fluctuate per season or some rubbish.

Most of the time I've encountered metal that needed 2-5 years before you COULD repaint it, as if anyone really wants to do that.The price of metal fluctuates, which might account for price variances.

Only a better reason to stick with real estate - something you can touch and is not that subject to such drastic price fluctuations based on rumors or actions in other countries.

$25K is alot to fluctuate from one estimate to the next. 

Do not assume the payment since interest rates (arm vs fixed) fluctuates.

Actually, I bought enough insurance for $120,000 plus an extra 20% to cover fluctuations in the market.