This post will, I hope, prevent someone from being as stupid as I was. I bought a summer house with no garage and so undertook the building of one with an apartment above it. In the course of figuring out what we would have to do to merge the old and new electrical systems I started tracing out the system in the old house and noticed that the row of duplex outlets in the kitchen were wired with one outlet connected to one phase and the other to the other. I'd never seen that before and puzzled as to why it was done that way.
A year later I am standing in my new shop looking at the neat new row of 120V and 240 V outlets (I had the electrician put in several for future purchases of 240 V tools) and it hit me. If I had been smart enough to tell the guy to pull 12/3 to the 240V outlets instead of 12/2 I would have the option of 240V or 120V outlets in those boxes I told him to wire for 240. But, alas, I told him they were to be 240V outlets and he pulled 12/2. Of course it's irreversible at this point (except at huge expense and trouble).
Relevant to the original question I can, in the kitchen of the original house, easily obtain 240 at one of those boxes by replacing the 120V outlets with an appropriate 240 V outlet.
The message here is that if you want the option of 120 or 240 in new construction pull 3 conductor (plus neutral) to that box even though you may never use it. There are, of course, implications as to what you do in the panel with respect to breakers.
Most people don't understand how a 14/3 or 12/3 circuit actually works. The reasoning behind using 1 neutral wire for 2 15A circuits is that the 2 hots are supposed to be wired to opposite "phases" of the 240V supply. When this happens, with equal loads on the 120VAC circuits the neutral currents are out of phase and actually cancel each other. With equal loads on the 120VAC circuits, there is actually zero current in the neutral. Worst case, with one 120VAC circuit maxed out at 15A and the other circuit unused, the neutral carries 15A.
HOWEVER, if the 14/3 circuit is miswired at the breaker box and both 120VAC circuits are on the same phase, the neutral wire carries 2x the rated current worse case. It is VERY easy to check this with a multimeter. The 2 hots on every 14/3 circuit should have 240VAC across them. If they are wired wrong, they will have 0V across them. You just open up the breaker box and trace every 14/3 circuit to the breakers and then measure the voltage across the 2 breaker wire connect screws. Takes 10 minutes to do a box. Some electricians don't understand this.
For receptacles in our kitchen in the areas for high loads, ie toaster, coffee pot, tea pot, toaster oven, etc, I pulled 14/3 to each outlet box, then split the receptacle, wiring each receptacle on its own breaker. The extra cost involved is the difference between running 14/2 and 14/2 and 1 extra breaker. Small price to pay for never having to worry about tripping a breaker when running big load appliances.