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Can you afford not to ? ?
Many banks are sympathetic to energy efficient upgrades.
There is other funding available including:
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up to $30,500 to install PV Solar Panels
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up to $4,500 for weatherization
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up to $1,000 for a new boiler
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up to $600 for a heat pump
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$ for hot water heater, lights, windows etc.
For further investigation follow these links:
Massachusetts Technology Collaborative