I have forced water baseboard heating and no money but am trying to deal with rising fuel costs. My boiler (1960 American Standard) came with my single story Massachusetts house but is still burning at 78% efficiency. I did have some repair problems within the past year and my oil dealer, with whom I have a maintenance contract, is recommending replacement. I have a separate water heater, 1 zone and used 1100 gallons of oil last year. My downstairs is currently unheated but we'd like to get it finished at some point and that would obviously include heating. What do you think? Replace or no? If yes, what's a ballpark fair price? TIA.