Improving energy efficiency in commercial properties is essential for reducing costs and environmental impact. Key strategies include conducting energy audits to identify inefficiencies, upgrading to high-efficiency heating systems like heat interface units (HIUs), optimizing lighting with LED bulbs and motion sensors, and investing in smart thermostats and building management systems. Enhancing insulation and upgrading HVAC systems also play crucial roles. These measures not only lower energy consumption but also enhance comfort and productivity in the workplace.

Bankrate provides unbiased financial advice to help readers make informed decisions. Their editorial team ensures accuracy and transparency in content creation. Biweekly mortgage payments can save money and pay off mortgages faster. Confirm with lenders to apply extra payments to the principal balance.

If you're behind on mortgage payments, options include forbearance, loan modification, a repayment plan, refinancing, reducing expenses, or applying for assistance funds. Forbearance temporarily suspends or reduces payments, while loan modification permanently changes the interest rate or term. A repayment plan involves resuming regular payments plus missed installments. Refinancing is suitable if interest rates have dropped. Reducing expenses involves revisiting costs like insurance premiums or property taxes. Assistance funds may be available from state or professional organizations.

Homeowners can benefit from the Energy Efficient Home Improvement Credit, available from 2023 to 2032, to offset costs of energy-efficient upgrades to their primary residence. To qualify, the home must be existing and located in the U.S. Eligible improvements include central air conditioners, heat pumps, and solar panels, with a maximum annual credit of $1,200, or $2,000 for specific items. Careful planning and staggering upgrades over the years can maximize benefits, as the credit is nonrefundable and should align with tax liability.