Excellent information, thank you so much!

=9970.59Credit=Excellent Any input or advice is greatly appreciated :) Happy New Years BP!

Make sure you don't by an expensive software program to do this.There are products sold based on saving mortgage payers thousands of dollars.All you have to do is what Steve said above...and it is free!

My plan is to be an MREI.It takes a lot of time and effort to be a productive REA and I think the opportunity cost is more than I'm willing to accept.

Of the 3 primary heat sources of gas, electric and oil, gas is by far the cheapest to operate.Propane is a different story and is a oil by-product in gasoline production.

Best to move on to better more productive opportunities.

Hi Shawn, We'd be happy to talk with you about our product.

Thanks @Jon Holdman for the excellent explanation.

I have a lot of high end products and services at a fraction of the cost of what most pay to my advantage.I think I just need to get out there and start networking a bit and see who or what I can run into.

So thanks again Dmitriy for your excellent advice and knowledge.