I have a ~ 15 year old indirect hot water heater off my oil fired boiler. It seems to kick the boiler on more frequently than the heating system does in the winter. In the summer we hardly hear from it. I made a number of improvements last year to reduce my oil usage: insulate attic with R-30, insulate crawl space under kitchen and breakfast nook with R-30, vapor barrier in crawl space and the addition of my wood stove. I was considering swapping the WH out for one of these... http://www.plumbersurplus.com/Search.aspx?search=Stiebel Eltron Tempra They seem to be reasonably priced. Anyone know anything about these? BTW, no gas, only electric here.