Spend your energy on other banks.

I'm trying to avoid installing a full HVAC systems with ducts... any ideas on most efficient way to heat/cool the property?

Attorneys are handling the short sale negotations the wrong way.Bottom line if the government pushed back on the banks to expedite the short sale approval process with without the HAFA restrictions and as long as the banks are being reasonable with the short sale discounts we would be able to correct this market imbalance a lot more efficiently.

Of what I understand, you won't be able to see your home unless it meets the EPA's energy efficacy rating for the HOME.

It could be that the manufacturing line was not designed to be as efficient as it could be and the personnel are made out to be the problem?

many are available via your local library and other online media sources like audibles and amazon.instead of listening to all the doom and gloom radio programs during your daily travel - use that time more effectively and efficiently by listening to something more productive.my local library will allow audio books to be borrowed or have downloads for a set period of time.i do agree that many of the Kiyosaki books are not as helfpul as how to references as most would hope or expect them to be.

Check into getting things separate metered and or high efficiency style upgrades.

I skip the TP unless I had to go while cleaning, but I include a contact card from my energy company that has their emergency and office numbers.

However, things turned out just fine for us the way we did it.And now...we are looking at utilizing an even more efficient financial tool than either the HELOC or the LOC.

The goal should be to achieve financial independence and then decide where to expend your energy and efforts.