The furnace, oil tanks and windows were all done about 10 years ago.

Mobil Oil credit union has a credit card that you can get that allows credit transfers for a 1% fee that will lock in a 5.9% interest rate.  

I worked with an oil service company, but was unfortunately laid off and chose to take control of my circumstances by investing in my financial education.

I also own Denver Oil here in the mile high city.

In South Dakota during the Oil boom there were stories of camper trailers parked in Wal-Mart lots earning incredible returns. 

Given you are new to your career, if your in oil and gas, focus on doing well with that job first and save money.

I'm not real sensitive to the meaning of these numbers personally (see my signature) but have read enough on here and other sites to have formed a pretty solid opinion that with a FICO below 600 you never should have been given a loan anyway.From reading the "help me sell" posts here and on other REI sites, as well as talking to friends and family around the country I'm pretty confident that we'll see a shakeout in the next two years that will equal or exceed the "oil field bust" of the '80s.

It will be interesting to see if the lower oil prices will lead to layoffs and if those layoffs will affect the local housing market.  

sure someone savvy could trade oil futures maybe.  

think I can get $12000 with heat as is budgeting $5k oil bill for heat..