Lock in your natural gas rate with a 6 or 12 month fixed rate.  When you don’t, you subject yourself to the variable rate, which is often double the rate you could be receiving.  Currently, in 2015, expect to find rates as low as $.46 per therm.  If you are in a de-regulated market, such as Georgia, you have multiple gas marketers to choose from, with varying rates and programs.  These should be listed on a government-sponsored site from the local Public Service Commission.  For rates in Georgia, check here.   If you are under contract with a marketer, you may have… Continue reading

As of March 2015, rates are still low and it is still a good time to refinance your mortgage, if you haven’t already.  Check out this calculator and see if you could be saving money.  Be sure to consider closing costs.  Analysts expect the Fed to start raising rates after first quarter 2015, so this if this is something you are interested in, you might want to act.  You might even consider paying extra on your mortgage instead, and shed years off of your mortgage term by paying down the principal balance earlier on. Refinance Calculator Full featured refinancing calculator.… Continue reading