Dealers are pitching 2026-27 heating oil pre-buy locks near $3.99 a gallon. EIA's own forecast says a price cap plan is the better bet. Here's the math.

There is a specific kind of financial pain that comes from losing money you already earned. Not spent badly, not invested poorly. Just handed back to your employer because a calendar date passed.

The failure-to-file penalty runs 10 times the failure-to-pay penalty. Here is the October 15 tax extension deadline math, and the cheapest way to pay.