Question: 10. Avoid impulse buying. Always use a two-week cooling >:off period when you want to purchase a (big ticket) item. If, >:after two weeks, you still want that VCR then buy it. I’ve found >:nine times out of ten after a week or so I dont want it anymore.
>I’m enough of a tightwad that I use this technique on much smaller >discretionary purchases as well–clothes, jewelry, home accessories, that >kind of stuff. I find that when something is still whispering “buy me” a >week or two later that I usually end up with something I *really* like and >enjoy permanently. In the few cases where the item is gone by the time I go >back the loss hasn’t been fatal–so far
Answer: An energy mortgage is a home loan that credits a home’s energy efficiency. It gives buyers of energy-efficient homes a greater debt-to-income ratio, allowing them to purchase bigger or higher quality homes because of the lower monthly heating and cooling costs. And it provides prospective buyers of homes that need energy efficiency improvements with the upfront cash to do the work.
For an article on energy mortgages, visit http://www.energy.com/news/cover/cv031199.asp
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