Search found 313 matches

by Soon2BXProgrammer
Sun Dec 10, 2017 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Spousal Backdoor Roth IRA
Replies: 1
Views: 119

Re: Spousal Backdoor Roth IRA

Is it possible to do a backdoor Roth IRA for a non-working spouse? I recently did a backdoor Roth IRA for myself - contribute $5500 to nondeductible traditional IRA and convert to Roth. Am I able to do this for a non-working spouse with no earned income in 2017? My income is sufficient to cover sin...
by Soon2BXProgrammer
Sun Dec 10, 2017 3:15 pm
Forum: Investing - Theory, News & General
Topic: Automated Market Timing
Replies: 21
Views: 783

Re: Automated Market Timing

... also.. if they are strategic about it.. they would gamble differently with different sets of clients.. expect to lose some, and win big on some.. either way.. they take their cut.. and get paid for gambling with their clients money... :shock: That, on the other hand, is a totally new idea to me...
by Soon2BXProgrammer
Sun Dec 10, 2017 3:02 pm
Forum: Investing - Theory, News & General
Topic: Automated Market Timing
Replies: 21
Views: 783

Re: Automated Market Timing

I always thought it was professionals messing with this stuff Just because they get paid, doesn't mean they know what they are doing... also.. if they are strategic about it.. they would gamble differently with different sets of clients.. expect to lose some, and win big on some.. either way.. they...
by Soon2BXProgrammer
Sun Dec 10, 2017 2:29 pm
Forum: Investing - Theory, News & General
Topic: How are 401k withdrawals taxed when you retire?
Replies: 5
Views: 402

Re: How are 401k withdrawals taxed when you retire?

if you are high income/marginal tax now... generally normal pretax contributions work out... when it goes in you save 30% when it comes out.. it comes out as income.. if you don't have any other income.. you get to first fill up the lower tax brackets. 0/10/15/25 etc... it starts to get complicated,...
by Soon2BXProgrammer
Sun Dec 10, 2017 2:24 pm
Forum: Investing - Theory, News & General
Topic: Automated Market Timing
Replies: 21
Views: 783

Re: Automated Market Timing

it would be interesting to see if back-testing over the last 100 years.. you come out ahead on

EMA 13 vs 34 Month cross overs.. or MACD(12,26,9)....
http://stockcharts.com/public/1499522/c ... /325419138;

Note, not that i time the market doing this, but people do.
by Soon2BXProgrammer
Sun Dec 10, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: Do girls wear Ninja Turtle character shoes
Replies: 54
Views: 2157

Re: Do girls wear Ninja Turtle character shoes

yes, girls can be interested in ninja turtles.. and boys can play with dolls... i'm a big fan in letting kids explore their own interests without me re-enforcing gender stereo types.

my two little girls, while they are princesses, like to rock climb and play in the mud.
by Soon2BXProgrammer
Sun Dec 10, 2017 11:23 am
Forum: Investing - Theory, News & General
Topic: likely date for a bitcoin crash: does this make sense to you?
Replies: 34
Views: 1537

Re: likely date for a bitcoin crash: does this make sense to you?

so your plan is to sell everything else and go all in until then? Not at all, because - as I wrote in the OP - this argument doesn't make sense to me. I have 0% in Bitcoin at present, and the most I would ever consider putting in Bitcoin is 0,5% of my liquid assets - about 0,3% of my total assets. ...
by Soon2BXProgrammer
Sun Dec 10, 2017 11:03 am
Forum: Investing - Theory, News & General
Topic: likely date for a bitcoin crash: does this make sense to you?
Replies: 34
Views: 1537

Re: likely date for a bitcoin crash: does this make sense to you?

so your plan is to sell everything else and go all in until then?
by Soon2BXProgrammer
Sat Dec 09, 2017 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Does this happen to you? Educating friends about personal finance
Replies: 104
Views: 5451

Re: Does this happen to you? Educating friends about personal finance

What do you do if your prospective son or daughter in law is an FA at Edward Jones or Ameriprise? (hypothetical situation) my ex-brother in law (used to be brother in law)... is a FA... things went well.. i regularly poked him and said i hope you don't pay the kind of load that you ask your custome...
by Soon2BXProgrammer
Sat Dec 09, 2017 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA for Minors, can I invest without a 1099?
Replies: 8
Views: 628

Re: Roth IRA for Minors, can I invest without a 1099?

If these were legitimate self-employment, they should be reported on a Form 1040 Schedule C and Schedule SE (>= $400). A 1099 is not issued until you receive >= $600 from a single client. You don't want treat this as self-employment, because it is not and they would have to pay 15.3% self-employmen...
by Soon2BXProgrammer
Sat Dec 09, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Quit jobs to gain lower EFC
Replies: 79
Views: 4623

Re: Quit jobs to gain lower EFC

i'm not saying the OP should retire to get a lower EFC.. but if the op wants to retire.. the op should retire... then if this is the case.. there is other need based aid.. other then federal: http://www.wsac.wa.gov/state-need-grant also if you commit to be poor from 7th grade on: http://www.wsac.wa....
by Soon2BXProgrammer
Sat Dec 09, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Save all this money, what do you splurge on?
Replies: 135
Views: 8455

Re: Save all this money, what do you splurge on?

But while i'm still here, i splurge on keeping my boat running, so i can go fishing. (the boat and its motors are about twice as old as i am). This sounds more like a call for you to splurge on newer and better fishing stuff. :happy i did just splurge... i paid a friendly neighborhood 3rd generatio...
by Soon2BXProgrammer
Sat Dec 09, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Does this happen to you? Educating friends about personal finance
Replies: 104
Views: 5451

Re: Does this happen to you? Educating friends about personal finance

What do you do if your prospective son or daughter in law is an FA at Edward Jones or Ameriprise? (hypothetical situation) my ex-brother in law (used to be brother in law)... is a FA... things went well.. i regularly poked him and said i hope you don't pay the kind of load that you ask your custome...
by Soon2BXProgrammer
Sat Dec 09, 2017 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Save all this money, what do you splurge on?
Replies: 135
Views: 8455

Re: Save all this money, what do you splurge on?

as the breadwinner in my family.. i've bought peace of mind, that if i kicked the bucket, my family would be financially taken care of.

--

But while i'm still here, i splurge on keeping my boat running, so i can go fishing. (the boat and its motors are about twice as old as i am).
by Soon2BXProgrammer
Sat Dec 09, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Does a Boglehead ever time the market?
Replies: 64
Views: 3648

Re: Does a Boglehead ever time the market?

i suppose you could say i timed the market.. i decided not to buy stuff, go on an extravagant vacation, because i thought stocks where cheap, and bought stocks, and i was willing to roll the dice on my vacation fund.... that just happened to be in the middle of the great recession, and it turned out...
by Soon2BXProgrammer
Sat Dec 09, 2017 10:01 am
Forum: Investing - Theory, News & General
Topic: Why Are So Many Companies Announcing Share Buyback?
Replies: 32
Views: 2781

Re: Why Are So Many Companies Announcing Share Buyback?

on the earnings calls i listen to.. they executives call it a "balanced cash deployment strategy".... everyone knows the business is cyclical... while they have been slowly increasing the dividend, in good times they can buy back the business with excess cash... and no one gets used to the dividend ...
by Soon2BXProgrammer
Sat Dec 09, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 248
Views: 43150

Re: USAA 2.5% Cash Back Credit Card

I've had the 2.5% limitless cash back card for almost 3 months now. What I'm finding is that USAA is not calculating my rewards correctly. I've called them twice and each time I'm told "our IT guys on working on why rewards weren't issued for purchases made between <x and y> dates." I've reconciled...
by Soon2BXProgrammer
Thu Dec 07, 2017 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Which to do - Roth conversion or LTCG?
Replies: 21
Views: 931

Re: Which to do - Roth conversion or LTCG?

Our estate is not large enough to be a Federal estate tax issue. Thats not what i meant.. i meant.. income tax issue for those that recieve the funds.. pretax ira's = recipient has to pay income tax at their top bracket... roth = tax free for recipient taxable funds = step up basis at death = tax f...
by Soon2BXProgrammer
Thu Dec 07, 2017 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Which to do - Roth conversion or LTCG?
Replies: 21
Views: 931

Re: Which to do - Roth conversion or LTCG?

The issue is more of income tax minimization instead of estate optimization. We don't have children and the nephews and nieces who will inherit are not expecting anything. Yes, we will have more RMDs than we know what to do with. I'll run some more calculations. Things I know I need to also conside...
by Soon2BXProgrammer
Thu Dec 07, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Okay come clean....How man people share passwords for streaming services?
Replies: 41
Views: 1526

Re: Okay come clean....How man people share passwords for streaming services?

Netflix limits the number of concurrent streams so there's no issue sharing passwords there. it seems most of them have limits.. not sure what the terms say.. but my gut check says directtvnow supports 2 streams... 2 streams is 2 streams. http://help.sling.com/articles/en_US/FAQ/Can-I-watch-Sling-T...
by Soon2BXProgrammer
Thu Dec 07, 2017 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Which to do - Roth conversion or LTCG?
Replies: 21
Views: 931

Re: Which to do - Roth conversion or LTCG?

Lets make sure we are talking about the same problem... Are you looking for estate optimization? Are you going to have more RMD's then you know what to do with? i'd be tempted to pay the LTCG tax on the stock in an accelerated manner, to create options. (potentially). i would also be tempted to not ...
by Soon2BXProgrammer
Wed Dec 06, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 607
Views: 162397

Re: Share your net worth progression

these are the ends of the year, and include all assets/liabilities. including house Year - NW - Base Salary - Comments 2006 - Approximately 0 - 56k - First real job after military. 2007 - ????? - 59k - Bought House 2008 - ????? - 83k 2009 - ????? - 87k 2010 - ????? - 101k 2011 - ????? - 106k 2012 - ...
by Soon2BXProgrammer
Mon Dec 04, 2017 12:09 am
Forum: Investing - Help with Personal Investments
Topic: How to fit cash balance plan into my asset allocation?
Replies: 7
Views: 811

Re: How to fit cash balance plan into my asset allocation?

In the current investment environment it is not possible to guarantee a 5% return. I would look at the plan document vary carefully. my cash balance pension plan has a currently a guaranteed return of 5% as well.. its some mythical calculation of the average of like the last 30 years of long term t...
by Soon2BXProgrammer
Sun Dec 03, 2017 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: 401k in plan rollover vs. mega backdoor Roth
Replies: 15
Views: 938

Re: 401k in plan rollover vs. mega backdoor Roth

Alan S. wrote:
Sun Dec 03, 2017 6:17 pm
This can become very complex. ....This is another reason to favor the Roth IRA for such rollovers if the plan permits...
Alan S said so... that's good enough for me to keep doing my rollover to Roth IRA instead of to a Roth 401k.
by Soon2BXProgrammer
Sun Dec 03, 2017 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: 401k in plan rollover vs. mega backdoor Roth
Replies: 15
Views: 938

Re: 401k in plan rollover vs. mega backdoor Roth

Edit to add: in regards to early withdrawals (before 59-1/2) of the conversions, I share the Finance Buff’s position. If you don’t care about withdrawing while you are employed and before you are 59-1/2, then this doesn’t really matter. my roth 401k is not seasoned..... because i don't have one... ...
by Soon2BXProgrammer
Sun Dec 03, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: How do I convince my employees to invest more?
Replies: 92
Views: 5108

Re: How do I convince my employees to invest more?

1. auto enroll people 2. see if your administrator can offer a workshop. 3. poll your people about what would it take for them to be able to contribute to retirement. you might be surprised by answers. 4. next year, when its merit raise time. explain to everyone that you will be offering a smaller r...
by Soon2BXProgrammer
Sun Dec 03, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: 401k in plan rollover vs. mega backdoor Roth
Replies: 15
Views: 938

Re: 401k in plan rollover vs. mega backdoor Roth

i have the option of an in plan rollover but i continue to roll over to roth (with the gain) and pay the taxes on my slight gains... (this year.. less than 1k of gains even in this booming market). I enjoy the flexibility of having the funds not in my (Great) 401k. Not that i've used the flexibility...
by Soon2BXProgrammer
Sun Dec 03, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Using taxable for house down payment
Replies: 10
Views: 944

Re: Using taxable for house down payment

Are you eligible for the VA loan? That would be a good 0% down option, as there's no PMI on any VA loan. That is true... but if you have to pay the "funding fee" that is sort of a prepaid PMI equivalent. First VA loan with no down payment carries a 2.15% funding fee, while you can wrap this into th...
by Soon2BXProgrammer
Sun Dec 03, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Using taxable for house down payment
Replies: 10
Views: 944

Re: Using taxable for house down payment

not saying you shouldn't buy for 3-5 years, but owning has other costs and risks. just something to think about.. you should budget 1% of house value a year for repairs, but this is lumpy.... if you need a roof in year two... you won't have saved up a balance yet.. also transaction costs in real est...
by Soon2BXProgrammer
Sun Dec 03, 2017 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Want to sell my Bitcoin, but when?
Replies: 88
Views: 7645

Re: Want to sell my Bitcoin, but when?

i would suggest. selling some immediately to cover your 7k.. then in the new year... i'd sell more to get down to 7k in bitcoin. at this point you would have covered your "experiment" and got that money back. Taken a profit.. And still retain the amount of bitcoin you where willing to do an experime...
by Soon2BXProgrammer
Sat Dec 02, 2017 6:29 pm
Forum: Investing - Theory, News & General
Topic: BH philosophy on restricted stock units and employee stock purchase program?
Replies: 27
Views: 1267

Re: BH philosophy on restricted stock units and employee stock purchase program?

We don't actively buy shares in her company, this is all zero cost stock awards on top of salary and bonus. Not comparable. I disagree... Ever day you hold something that has market value that you could sell.. Is a decision to buy it at todays price. Doesn't matter if it is RSU of stock, a bottle o...
by Soon2BXProgrammer
Sat Dec 02, 2017 10:42 am
Forum: Investing - Theory, News & General
Topic: BH philosophy on restricted stock units and employee stock purchase program?
Replies: 27
Views: 1267

Re: BH philosophy on restricted stock units and employee stock purchase program?

My wife is not quite an insider at her employer, a public company. She's been getting RSUs for the decade she's been there. Selling them would have been a colossal mistake and she's told me to leave them based on what she knows. I'm even kicking myself for liquidating shares to pay the taxes. They'...
by Soon2BXProgrammer
Sat Dec 02, 2017 10:31 am
Forum: Investing - Theory, News & General
Topic: BH philosophy on restricted stock units and employee stock purchase program?
Replies: 27
Views: 1267

Re: BH philosophy on restricted stock units and employee stock purchase program?

one of my friends (which is definately not a BH)... has a huge amount of wealth tied up in one company due to RSU/ESPP and he does something like: http://www.oldewealthmanagement.com/blog/strategies-for-restricted-stock-units A third strategy is to write covered calls on the shares. This provides mi...
by Soon2BXProgrammer
Sat Dec 02, 2017 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Company just introduced non qualified deferred compensation plan
Replies: 8
Views: 855

Re: Company just introduced non qualified deferred compensation plan

Looks like I might have a year to decide. My base income is exactly $275k and my bonus paid next year does not count towards the $275k minimum to start contributing. 2018 will be the year as my bonus will put me well over the $275k minimum. i am in a different state when it comes to base income the...
by Soon2BXProgrammer
Thu Nov 30, 2017 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Might exceed $60k 401k limit, what will happen?
Replies: 10
Views: 1044

Re: Might exceed $60k 401k limit, what will happen?

corn18 wrote:
Thu Nov 30, 2017 1:34 pm
Is there any way I can uncontribute $1500 of after tax contributions before 31 Dec, thus making sufficient room for the $2500 employer contribution and not creating a 415 issue for my employer?
not that i'm aware of.. ask your employer.
by Soon2BXProgrammer
Thu Nov 30, 2017 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Might exceed $60k 401k limit, what will happen?
Replies: 10
Views: 1044

Re: Might exceed $60k 401k limit, what will happen?

Potentially, my current employer is really aggressive about both 54k limit and 270k compensation limit, as we have the NQDC plan that our money switches to, if you go over either limit the 401k halts on the penny. if you have enrolled in the NQDC plan, then you switch to that. i work for a fortune 5...
by Soon2BXProgrammer
Thu Nov 30, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Might exceed $60k 401k limit, what will happen?
Replies: 10
Views: 1044

Re: Might exceed $60k 401k limit, what will happen?

Thanks ESIRA Stone for the clarifications from an administrator perspective. My experience has been as a contributor at multiple large companies where they don't let themselves get into the situation of violating the rules. (instead of fixing them on the backside via audit).. Plus, it can be even mo...
by Soon2BXProgrammer
Thu Nov 30, 2017 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Might exceed $60k 401k limit, what will happen?
Replies: 10
Views: 1044

Re: Might exceed $60k 401k limit, what will happen?

so you must separate the 54k limit from the 6k limit as they are indeed separate in the eyes of the IRS. https://www.irs.gov/newsroom/irs-announces-2017-pension-plan-limitations-401k-contribution-limit-remains-unchanged-at-18000-for-2017 The limitation for defined contribution plans under Section 41...
by Soon2BXProgrammer
Sun Nov 26, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Etiquette question: going out to dinner with friends and how to split the bill
Replies: 86
Views: 5246

Re: Etiquette question: going out to dinner with friends and how to split the bill

personally, i prefer when everyone thinks they are paying their own way.. and orders/eats/drinks that way... Then if i decide to be generous and pick up the tab, that's my decision. a couple of times, people have said if i would have known... they wouldn't have ordered that bottle of wine... and oth...
by Soon2BXProgrammer
Sun Nov 26, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Are there any unspoken rules to "keep in touch" with previous boss?
Replies: 21
Views: 2523

Re: Are there ant unspoken rules to "keep in touch" with previous boss?

i keep in touch with some of my previous bosses. in your situation.. there might have been the thought of a 2 hour commute isn't a comparable offer that they want to compete against.
by Soon2BXProgrammer
Sat Nov 25, 2017 7:02 pm
Forum: Investing - Theory, News & General
Topic: HSA: "Pay out of pocket" vs Withdraw math problem
Replies: 48
Views: 3284

Re: HSA: "Pay out of pocket" vs Withdraw math problem

i create a file for each year. Each expense has: 1. print out from HSA website 2. expaination of benefits 3. doctor invoice 4. payment receipt. I built a whole year in paper, then run it through my scanner as a package, and create 1 PDF per year, with a cover page adding them all up. I plan to dist...
by Soon2BXProgrammer
Sat Nov 25, 2017 10:11 am
Forum: Investing - Theory, News & General
Topic: HSA: "Pay out of pocket" vs Withdraw math problem
Replies: 48
Views: 3284

Re: HSA: "Pay out of pocket" vs Withdraw math problem

I simply view the HSA as an IRA. I’m 31 years old...the prospects of my wife and I hoarding receipts for 34 years just doesn’t seem realistic. What constitutes keeping a receipt? Would a check image to a doctor count with a matching EOB? That’s easier to produce as I can go and download everything ...
by Soon2BXProgrammer
Sat Nov 25, 2017 10:01 am
Forum: Investing - Theory, News & General
Topic: HSA: "Pay out of pocket" vs Withdraw math problem
Replies: 48
Views: 3284

Re: HSA: "Pay out of pocket" vs Withdraw math problem

I simply view the HSA as an IRA. I’m 31 years old...the prospects of my wife and I hoarding receipts for 34 years just doesn’t seem realistic. What constitutes keeping a receipt? Would a check image to a doctor count with a matching EOB? That’s easier to produce as I can go and download everything ...
by Soon2BXProgrammer
Sat Nov 25, 2017 9:59 am
Forum: Investing - Theory, News & General
Topic: HSA: "Pay out of pocket" vs Withdraw math problem
Replies: 48
Views: 3284

Re: HSA: "Pay out of pocket" vs Withdraw math problem

I’m pretty sure at age 65 you can withdraw tax free for any reason. You can withdraw penalty-free for any reason at age 65. Normal income taxes still apply if the withdrawal is not a reimbursement of medical expenses. Not true. You would have to pay income tax plus 20% penalty if you used your HSA ...
by Soon2BXProgrammer
Sat Nov 25, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Etiquette question: Paying for meals out & out of town guests
Replies: 79
Views: 5533

Re: Etiquette question: Paying for meals out & out of town guests

Wow. This thread is eye opening.... If I make the choice to host out of town guests, they are required to buy me dinner. Huh? Nope, I refuse. Mooching off of my friends is not acceptable. I value them too much. I don't think that is the consensus... Or at-least i hope it isn't. When we host people....
by Soon2BXProgrammer
Sat Nov 25, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: What are average incomes for luxury vehicle purchases? Will help me decide
Replies: 57
Views: 3630

Re: What are average incomes for luxury vehicle purchases? Will help me decide

i would argue income doesn't matter. Networth is what matters. if your 300k in the hole due to student loans, but make 200k a year... i would argue that you should still drive something cheap. if you have a net worth of 10million and retired, and have no earned income... but only spend 70k a year.. ...
by Soon2BXProgrammer
Sat Nov 25, 2017 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Question - Deferred Compensation Plan
Replies: 6
Views: 935

Re: Question - Deferred Compensation Plan

the other thing that having a NQDC plan does is it almost eliminates low tax space in the years it pays. If you didn't do the NQDC plan, you could spend taxable, and convert pretax to roth in those 5 years... Just something to think about. I am not sure I agree that converting to Roth is a superior...
by Soon2BXProgrammer
Fri Nov 24, 2017 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Question - Deferred Compensation Plan
Replies: 6
Views: 935

Re: Question - Deferred Compensation Plan

the other thing that having a NQDC plan does is it almost eliminates low tax space in the years it pays.

If you didn't do the NQDC plan, you could spend taxable, and convert pretax to roth in those 5 years...

Just something to think about.
by Soon2BXProgrammer
Sun Nov 19, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Should I drink or sell my Pappy 12 year?
Replies: 74
Views: 9687

Re: Should I drink or sell my Pappy 12 year?

Don't sell it... keep it. have a really fancy shelf made by some artisan woodworker. Place on shelf. drink with friends slowly over time... (only the ones that appreciate it). When the bottle is finished, place the empty bottle on the fancy shelf and you'll have it to remember. Agree. Worse thing t...
by Soon2BXProgrammer
Sun Nov 19, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Contemplating offer on a house with SolarCity lease
Replies: 23
Views: 2017

Re: Contemplating offer on a house with SolarCity lease

Give the seller these two options and play hardball:

option 1. seller buy lease out and you get solar free without a price adjustment.
option 2. seller takes panels with him and installs you a brand new roof without a price adjustment.

Either way you win.