Search found 32 matches

by moi
Sun Jul 28, 2019 2:36 am
Forum: Personal Consumer Issues
Topic: Solar Panel worth it 2019? SoCal region
Replies: 46
Views: 5769

Re: Solar Panel worth it 2019? SoCal region

Another interesting thought that I had. And a bit off my own topic. Why not just buy a Tesla Powerwall and forget about installing solar panel on the roof? And arbitrage the peak and off peak power prices? - Summer (June- Sept) weekdays 4-9pm is 40c/kWh (ouch!), all other time is 14c/kWh. On weekend...
by moi
Sun Jul 28, 2019 2:19 am
Forum: Personal Consumer Issues
Topic: Solar Panel worth it 2019? SoCal region
Replies: 46
Views: 5769

Re: Solar Panel worth it 2019? SoCal region

OP, how long are you planning to stay in your current home? A couple of observations: 1. The issue with the age of the roof underlayment definitely sounds like something to work out before you make your decision. At 22 years it does sound like you're running up against the lifespan of the underlaym...
by moi
Sun Jul 28, 2019 2:07 am
Forum: Personal Consumer Issues
Topic: Solar Panel worth it 2019? SoCal region
Replies: 46
Views: 5769

Re: Solar Panel worth it 2019? SoCal region

I got 22x Panasonic HIT 330W panels and 1x Solaredge SE10000H inverter. System installed in Jan 2019. To see what your neighbors paid, check out below. You can also see the name of the installer. https://www.californiadgstats.ca.gov/find_installer/ Mervinj7, Wow. You rock my world. That link provid...
by moi
Fri Jul 26, 2019 3:00 am
Forum: Personal Consumer Issues
Topic: Solar Panel worth it 2019? SoCal region
Replies: 46
Views: 5769

Re: Solar Panel worth it 2019? SoCal region

Hi mervinj7, Yes I did get use Energy Sage. I got all of two companies to bid. I'm not sure if I contacted several local installers already prior to using Energy Sage has anything to do with that. I did get one company to give a price of $2.7/Watt but it was using Hyundai panels (cheaper), and thes...
by moi
Thu Jul 25, 2019 12:53 am
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 145
Views: 14992

Re: Is solar power for your home a worthwhile investment?

Re: Is solar power for your home a worthwhile investment?Quote Valuethinker by Valuethinker » Tue Jul 23, 2019 4:44 am Hi Emlowe, do you mind sharing what your power company is charging you exactly in terms of rate structure? There is no economic argument for my solar - I think currently it is like...
by moi
Thu Jul 25, 2019 12:49 am
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 145
Views: 14992

Re: Is solar power for your home a worthwhile investment?

Depends on whether "Worthwhile" is defined monetarily or ethically and/or ecologically, in my opinion. Ethically, for us, the answer is "yes," but economics still say "no." Just one of a number of areas where the potential for conflict between stated values and behavior are not congruent! Tim Tim, ...
by moi
Thu Jul 25, 2019 12:46 am
Forum: Personal Consumer Issues
Topic: Solar Panel worth it 2019? SoCal region
Replies: 46
Views: 5769

Re: Solar Panel worth it 2019? SoCal region

In 2017, there was an LA times article saying that California had to PAY other states to take its excess daytime electricity generated by solar so that the grid won't be overloaded. https://www.latimes.com/projects/la-fi-electricity-solar/ In order to help the state I turn down the thermostat to 70...
by moi
Thu Jul 25, 2019 12:35 am
Forum: Personal Consumer Issues
Topic: Solar Panel worth it 2019? SoCal region
Replies: 46
Views: 5769

Re: Solar Panel worth it 2019? SoCal region

cadreamer2015 and Cwise. Do you mind sharing which installer you used? PM me if you prefer. Thanks you so much in advance. I'm not sure how you guys got down to $3.25/W before federal tax rebate. Cwise I saw your other post in another thread. You paid I think around $3.7/W but that included an addi...
by moi
Wed Jul 24, 2019 3:12 am
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 145
Views: 14992

Re: Is solar power for your home a worthwhile investment?

Re: Is solar power for your home a worthwhile investment?Quote Valuethinker by Valuethinker » Tue Jul 23, 2019 4:44 am Hi Emlowe, do you mind sharing what your power company is charging you exactly in terms of rate structure? I'm interested in solar for environmental + economic reasons (50/50), but...
by moi
Wed Jul 24, 2019 2:36 am
Forum: Personal Consumer Issues
Topic: Solar Panel worth it 2019? SoCal region
Replies: 46
Views: 5769

Re: Solar Panel worth it 2019? SoCal region

cadreamer2015 and Cwise. Do you mind sharing which installer you used? PM me if you prefer. Thanks you so much in advance. I'm not sure how you guys got down to $3.25/W before federal tax rebate. Cwise I saw your other post in another thread. You paid I think around $3.7/W but that included an addit...
by moi
Sun Jul 21, 2019 8:30 pm
Forum: Personal Consumer Issues
Topic: Solar Panel worth it 2019? SoCal region
Replies: 46
Views: 5769

Re: Solar Panel worth it 2019? SoCal region

We had a solar system put on our roof in SDG&E territory in March. Turned on April 1. Our bills were lower than yours. Our annual usage was about 4200 kWh. We ended up with a cost (before rebate) of $3.25 per watt. With SunPower modules (but 327 w not 360 w) and a SolarEdge string inverter with opt...
by moi
Sun Jul 21, 2019 8:03 pm
Forum: Personal Consumer Issues
Topic: Solar Panel worth it 2019? SoCal region
Replies: 46
Views: 5769

Re: Solar Panel worth it 2019? SoCal region

You can stay on the tiered plan if you request it. I did. Only through October 2020. Then everyone must transition over to the TOU system - or so I read on the SCE website. This is the future of utility pricing; charge more accurately based on real costs. There will be a base charge for connection/...
by moi
Sun Jul 21, 2019 7:54 pm
Forum: Personal Consumer Issues
Topic: Solar Panel worth it 2019? SoCal region
Replies: 46
Views: 5769

Re: Solar Panel worth it 2019? SoCal region

We have a system being installed in 2 weeks. We are in Delaware. 9.1kW system, $20k price - $6k federal tax credit -$3k local rebate = $11k with an estimated payback of 5 years. Our roof is <5 years old with near perfect setup. I'm not sure I would have done it with much longer payback. by Nate79 »...
by moi
Sun Jul 21, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: Solar Panel worth it 2019? SoCal region
Replies: 46
Views: 5769

Solar Panel worth it 2019? SoCal region

Hi all, Yet another solar panel question. Sorry about the long post. I've searched the forum already but in 2019 with new time of use (TOU) plan from Southern California Edison (SCE) it's unclear if it's a good investment anymore. Background: -Annual electricity usage (before EV): approx 5500 kWh, $...
by moi
Thu Nov 01, 2018 2:43 am
Forum: Personal Finance (Not Investing)
Topic: Spouse Diagnosed Non-curable Cancer -- what now?
Replies: 54
Views: 11083

Re: Spouse Diagnosed Non-curable Cancer -- what now?

So sorry to hear about your diagnosis. You may want to take a close look at the fine prints of your outpatient pharmacy benefit, especially your copay or share of cost in the "specialty-tier" drug. That's code for "so expensive you wouldn't believe it." You may end up needing some kind of expensive ...
by moi
Tue Apr 18, 2017 3:34 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house: dual agent, rebating agent, open listing, or else?
Replies: 8
Views: 1247

Buying a house: dual agent, rebating agent, open listing, or else?

Dear Bogleheads, Having a real dilemma on how to buy a house and best strategy to purchase at the lowest possible net price. I'm a first-time home buyer. As a fellow boglehead, want to pay as little fee as possible. I'm looking to buy in Southern California, and have obtained pre-approval for the mo...
by moi
Sat Nov 26, 2016 2:36 am
Forum: Personal Finance (Not Investing)
Topic: Relationship between interest rates and real estate prices?
Replies: 16
Views: 2693

Re: Relationship between interest rates and real estate prices?

Reviving an ancient thread here. Now in the Trump world this discussion seems more relevant than ever. Mortgage rate shot up from 3.8% to 4.1% in a few weeks. Let's assume the RE property of interest is the singe family home. What do the folks here think how the rising interest rate environment is g...
by moi
Tue Nov 08, 2016 2:01 am
Forum: Personal Consumer Issues
Topic: 1st time home buyer tips & strategy
Replies: 41
Views: 4954

Re: 1st time home buyer tips & strategy

Mortgage: What are your thoughts on lender? Online vs big banks vs credit union? I see Provident mentioned a few time on this website. Also, thanks for the tip about the 18month in current job thing. We went with a mortgage broker when we first purchased and for the two refi's. We got the best rate...
by moi
Tue Nov 08, 2016 1:56 am
Forum: Personal Consumer Issues
Topic: 1st time home buyer tips & strategy
Replies: 41
Views: 4954

Re: 1st time home buyer tips & strategy

I live in a rural area and there are no buyer or seller agents. There are only real estate agents who do both. I've never signed a contract with one saying I would only go through them. In my case, I only went to the bank where I do most of my business and got pre-approved. A year later when we act...
by moi
Tue Nov 08, 2016 1:49 am
Forum: Personal Consumer Issues
Topic: 1st time home buyer tips & strategy
Replies: 41
Views: 4954

Re: 1st time home buyer tips & strategy

There is no possible way you can remodel a kitchen, replace flooring, and complete an interior paint job in one month. As you noted yourself contractors who do good work are in high demand. And you can't get started even talking to a contractor till you've closed on the house so you will have weeks...
by moi
Tue Nov 08, 2016 1:47 am
Forum: Personal Consumer Issues
Topic: 1st time home buyer tips & strategy
Replies: 41
Views: 4954

Re: 1st time home buyer tips & strategy

Seriously, the disruption, stress and sheer effort involved in major renovation work is almost impossible to convey to someone who hasn't lived through it, and doing it with babies and toddlers-whew. Even if you aren't living in the house it is literally more than a full time job and that job will ...
by moi
Mon Nov 07, 2016 1:18 am
Forum: Personal Consumer Issues
Topic: 1st time home buyer tips & strategy
Replies: 41
Views: 4954

Re: 1st time home buyer tips & strategy

We purchased our first home a few months ago. Some of my thoughts: My job is very secure and I took almost two years before finally buying our home. I have no regrets about taking my time with it. For me, I wanted the flexibility of being able to easily relocate in case a better job opportunity pop...
by moi
Mon Nov 07, 2016 1:07 am
Forum: Personal Consumer Issues
Topic: 1st time home buyer tips & strategy
Replies: 41
Views: 4954

Re: 1st time home buyer tips & strategy

mouses wrote:Go to a lot of open house things before you get an agent. That will give you an idea of what is selling for what. No agent, no pressure.
That's exactly what I did today!
by moi
Sun Nov 06, 2016 3:14 pm
Forum: Personal Consumer Issues
Topic: 1st time home buyer tips & strategy
Replies: 41
Views: 4954

Re: 1st time home buyer tips & strategy

Dear all, I'm a long time lurker. First of all, thanks for everything I've learned about managing my finance on this forum. Following the advice given here, I believe I'm financially ready to purchase a home, but am a bit afraid to do so because of fear of making a mistake. Would appreciate any and...
by moi
Sun Nov 06, 2016 3:09 pm
Forum: Personal Consumer Issues
Topic: 1st time home buyer tips & strategy
Replies: 41
Views: 4954

Re: 1st time home buyer tips & strategy

RE Agent: Wouldn't all buyer's agent require a buyer's agent agreement signed? Otherwise they would be at risk of working for nothing. How does a home buyer protect himself from signing and getting stuck with a substandard agent? Could there be an out clause in the contract? Not all RE Agents requi...
by moi
Sun Nov 06, 2016 2:48 am
Forum: Personal Consumer Issues
Topic: 1st time home buyer tips & strategy
Replies: 41
Views: 4954

Re: 1st time home buyer tips & strategy

SoCal here. We bought our short sale in 2010 and went through similar questions. Agent. Don't count on your agent finding a house for you. With today's tools such as Redfin and Zillow, you can set up alerts and be notified when a house goes on the market. I think it is more important you find an ag...
by moi
Sun Nov 06, 2016 2:25 am
Forum: Personal Consumer Issues
Topic: 1st time home buyer tips & strategy
Replies: 41
Views: 4954

Re: 1st time home buyer tips & strategy

My opinions to some of your questions: 1. Use Redfin where they are RE agents in your area who share part of their commission with you at closing. RE agents are used to showing folks A LOT of properties so don't feel bad about being shown everything and more until/ if you find the right property fo...
by moi
Sun Nov 06, 2016 2:19 am
Forum: Personal Consumer Issues
Topic: 1st time home buyer tips & strategy
Replies: 41
Views: 4954

Re: 1st time home buyer tips & strategy

Questions is, how do I find a RE agent who would be motivated to help me find a decently priced house in good shape and willing to wait for the right opportunity to pounce on it? Seems like it's a tall order since they don't get paid until there is a sale. The best way I have found it to be very sp...
by moi
Sun Nov 06, 2016 2:07 am
Forum: Personal Consumer Issues
Topic: 1st time home buyer tips & strategy
Replies: 41
Views: 4954

Re: 1st time home buyer tips & strategy

I can see how it would be tempting to buy before the twins arrive but twins often arrive early and you may wish to wait until after they are home and healthy and you know what your hospital bills look like. Have you renovated a home before? It is very time consuming. Do you really see yourself with...
by moi
Sun Nov 06, 2016 2:04 am
Forum: Personal Consumer Issues
Topic: 1st time home buyer tips & strategy
Replies: 41
Views: 4954

Re: 1st time home buyer tips & strategy

Here are my 3 rules for buying a house: - never buy a house on a busy street - never buy a house in a bad neighborhood - never buy a house at the bottom of a hill (due to flooding possibility) In Southern California we are at risk for drought. I agree though it's better to be not at the bottom. Sto...
by moi
Sun Nov 06, 2016 2:02 am
Forum: Personal Consumer Issues
Topic: 1st time home buyer tips & strategy
Replies: 41
Views: 4954

Re: 1st time home buyer tips & strategy

Answers inline below. Questions is, how do I find a RE agent who would be motivated to help me find a decently priced house in good shape and willing to wait for the right opportunity to pounce on it? Seems like it's a tall order since they don't get paid until there is a sale. Find a few reputable...
by moi
Sat Nov 05, 2016 2:15 am
Forum: Personal Consumer Issues
Topic: 1st time home buyer tips & strategy
Replies: 41
Views: 4954

1st time home buyer tips & strategy

Dear all, I'm a long time lurker. First of all, thanks for everything I've learned about managing my finance on this forum. Following the advice given here, I believe I'm financially ready to purchase a home, but am a bit afraid to do so because of fear of making a mistake. Would appreciate any and ...