Is that as high as it seems to me?

How much are your monthly energy bills? What's the interest rate?

My monthly power bill is usually less than $50. Interest rate is 5.99%

eta: highest heating bill i've had in this house was $68 last december, when it was really cold and i was spending a lot of time at home with the heat crank as i recovered from breaking my foot.

Is it going to included both heating and A/C? Do you need a new duct system?

I have no A/C. It covers new furnace ($5) new water heater ( $2k) blowing insulation into all the exterior walls ($3k), insulating the attic and one wall of the basement that it is not, air-sealing and caulking. I had made peace with the cost of all the improvements above, but the fees are a new source of irritation.

erin, it still sounds like a pretty good deal to me.

((questor)))

Does anyone have experience dealing with credit reports and deliquencies showing up on them?

I found my credit score today (not good) and got my credit reports. There's an entry on there from2007 that wasn't on there last year, it's nearly $1000 and I know what it's from and I realize now I didn't pay it. It's been turned over to collections but I've never been contacted by them.

How should I handle this? I tried to call the number listed on the report but I just got a phone system and then put on hold.

Yeah, that`s what you want to do, get the agency and get it paid, because unless it went to collections very very recently the originating agency has washed its hands of it. But get whatever you do in writing because the collections folks don`t have any vested interest in showing you`ve paid on it. Keep careful records of everything, including dates and times of attempted contact like your failed call.

erin, $15k sounds like what I would expect for what you're having done, and I still think it's a good idea.

askye, what Liese said. Also, if you pay them by check, keep a copy of the cancelled check when you get it (showing both the back and the front) so you can prove that you paid them and they accepted the payment. If you pay by credit or debit card, make a copy of the statement where the charge shows up. Then contact all three credit reporting agencies, in writing, show them the proof of payment, and request that the item be removed from your report. It will likely take them a while. Check on it the next couple years, to make it stayed off your report, and keep all those records just in case.

This happened to me with an IRS lien that took me ten years after it was paid off to get it to stop showing up as still outstanding on my report. If one of the agencies doesn't take it off, the others may pick it back up from their report. It's a PITA. Good luck, hope it goes smoothly for you!

Guess who almost passed out at the gym? Woo. I'm talking woozy dizzy seeing spots cold sweat. After walking around the track VERY slowy for 12 minutes or so. I had to lie down on an exercise mat, and the only way I could convince the nice people who work at the gym to NOT call Tim to come get me was to drink a big thing of Gatorade and eat a snickers bar. After about 10 minutes, when I apparently no longer looked like a zombie (that's a direct quote), they let me drive home (which is less than 5 minutes away).

I had more Gatorade when I got home, and Tim is making eggs for me right now (protein to balance out the sugar load). Fuck, you guys, I have NO idea what the hell that was all about. But I don't like it at all.