OIL is costing me an arm and a leg, they have these heat loans where there is no interest for 7 years. I am being pushed towards a 95% efficient boiler and an indirect water heater, my plumber told me that since my house is from 1927, there wis no way i could get that efficiency without going crazy and sealing the house, etc... but since the house is so old its not meant to function that way. He is telling me to go with an 85% to 90% efficiency and a regular water heater. I wanted to get everyones suggestions on efficiency and what is realistic vs what is worth the money. I am thinking that half of what the plumber is saying is true and the other half is he is old school. I am just starting my research and any suggestions would be greatly appreciated.