We're in western New Jersey, Morris County. Our oil bill for the 12 months through July this year was $5,155. We have a contract for $3.49 a gallon that goes through December this year. After that, I'm sure it will be a lot higher.

Our house has high ceilings, and there's a room on the second floor with a vaulted ceiling, no attic above it. I'm sure that's not as well insulated as it should be, but I'm not sure how we'd insulate it further without taking off the roof or taking down the ceiling. I'll check with the heating service people about the furnace nozzle and an indirect water heater, and see about adding more insulation to the walls.