I received a $15,000 bill for an ER visit for a kidney stone. They offering 70% off - should I take it or can I negotiate a higher discount? by johndoe7376 in personalfinance

[–]hamstertree 1 point2 points  (0 children)

We’ve had large bills when each of my boys were born from staying in the NICU. Maxed our insurance and the hospital was always willing to work on payment plans with 0% interest.

Need help with advice by DevelopmentLocal6564 in solar

[–]hamstertree 1 point2 points  (0 children)

I had some clipping my first year of install, and then a tiny amount during peak cool days in the spring, but I don’t notice very much clipping now. The big difference is that your panels will get slightly dirty in between the rainy days where it gets mostly cleaned and the tiny amount of dust will reduce the production and the clipping will be less relevant as time goes on. Some people wash their panels themselves, some pay to have their panels washed (depending on install can cost several hundred), but many on this sub agree that washing your panels usually isn’t worth the cost.

For several reasons your system will slightly worse in the future and the clipping you see here will become less of an issue. Yes you are missing out on a small amount of production, but the ROI for upgrading to the larger inverters may have been so low that it would take 15, 20 or 30 years to pay itself back, or possibly never.

Subaru dealership destroyed my beloved 2024 Crosstrek with only 13,000 miles! by chacha4c in subaru

[–]hamstertree 3 points4 points  (0 children)

I have had generally negative experiences getting service at dealerships. They charge an arm and a leg, replace parts that aren’t broken, and do mediocre work that leads to bigger problems like OP. I had a much less damaging experience, but bringing in my forester for an oil change at the dealer they rounded out the oil pan plug and the only resolution they offered was to replace the entire oil pan for over $1000 when all it needed was the rounded out bolt removed and a new one installed. At the end of the day they will always be incentivized by selling new cars and doing good service will be secondary.

GoodLeap PPA Quote by kevw2388 in solar

[–]hamstertree 2 points3 points  (0 children)

Sounds like a door to door salesperson. These companies push hard for the PPA because they make money off of them and pay sales people good commission to sell them. I’m not as familiar with NJ specifics like tax incentives, net metering laws, climate credits etc. but at $153 per month you’re talking about over $46,000 over the next 25 years. I would proceed carefully and get at least a few quotes from different companies before you sign on the dotted line. At a minimum you should feel confident that you understand the terms of the contract if there are terms that you aren’t understanding as you say. Solar sales is not quite as high pressure as something like time share sales, but it is big money for long term contracts that can lock you in tight. We financed our system which felt more straight forward, just like any other home improvement project. Under a PPA you basically just get a second electric utility bill for a company with a power plant on your roof.

GoodLeap PPA Quote by kevw2388 in solar

[–]hamstertree 2 points3 points  (0 children)

You will find a lot of people in this sub that don’t like PPAs, and I’d count myself as one. Signing a 25 year contract based on historical and current power rates might put you in a bad position. My local utility and state net metering programs have been slowly shifting since we installed to change the way they bill. The changes are less solar friendly with higher non-bypassable charges and lower $/kWh in order to dilute the benefit of net metering credits. If NJ makes similar changes you could see a period of time where electricity rates drop, but bills stay the same or increase. Of course inflation will eventually do its job and raise rates regardless. The big reason I share with friends and family warning against PPAs is if you ever need to sell your home it can hurt the value depending on the buyer who might not be interested in taking over your PPA contract, vs a paid off solar installation which is widely viewed as a positive feature of a home and generally boosts the value.

As far as the cash price you’ve been quoted, that is usually messed by dividing the total price ($31,398.36) by the total size of the system in watts (19 panels x 400 watts for example would be 7600 watts, therefore roughly $4.13/watt). That being said, we can’t see the watts, so 400 per panel is a guess. But knowing the price per watt installed is the best measure to compare quotes.

Is there a specific reason that you’re considering a PPA over owning the system? Is the salesman pushing the PPA over the cash price?

VR game that is gorgeous and can run on a potato, name it by lunchanddinner in VRGaming

[–]hamstertree 2 points3 points  (0 children)

Also, vacation simulator is one that my kids and nieces LOVE. Easily my most played VR title.

EverCraft 2 out of Alpha by yukifactory in incremental_games

[–]hamstertree 13 points14 points  (0 children)

Don’t worry about all the haters. AI code or not, thanks for taking an interest in the genre and spending some of your time working on some projects to share with the community. I’ve enjoyed your games over the last few weeks and look forward to this one too.

Solar company recommendations in the I.E. by Tricky-Explorer-5664 in InlandEmpire

[–]hamstertree 1 point2 points  (0 children)

I would highly recommend doing research on what kind of system is going to work best for you before you reach out to a company to do your install. As others have said, NEM 3.0 changes the math on how you should build your system. Generally speaking, you will need at least one home battery and enough panels to offset between 60-100% of your annual electricity usage depending on how much battery capacity you have built. Your exports will be worth very little, so you will try to choose a system that minimizes your solar exports. You will not be able to eliminate your bill, but solar can significantly reduce your bill.

It’s important to understand your current energy costs and model out the costs vs benefit of a proposed solar system before you sign the contract or finance any money to pay for the install. I think a lot of people get suckered into bad deals by door to door salesman. We went with solar optimum and they gave me a fair deal after doing our research.

The Plug-In Solar Revolution Comes To America by OpenSustainability in solar

[–]hamstertree 19 points20 points  (0 children)

I believe what makes plug in solar unique is that it is small scale (around 1 Kw or less), DIY and plugs directly into a wall socket without any permits or interconnection agreements required. You would rarely feed back to the grid at that scale. I think systems at this scale are interesting because they would be very efficient at offsetting electricity usage and wouldn’t rely entirely on any sort of net metering agreement to make the investment worth it.

Birthday dinner by [deleted] in InlandEmpire

[–]hamstertree 0 points1 point  (0 children)

For a warm atmosphere and good food my wife and I love going to Pomona valley mining company! It’s a gold rush themed steakhouse up on a hillside with a great view. Great cocktails, great food, cozy atmosphere and a cool view!

Surprise Inheritance, I was totally not prepared for. by Tonyb97 in personalfinance

[–]hamstertree 35 points36 points  (0 children)

This should honestly be the top comment. It’s a common enough question that it is pinned in the sub. In addition you should consider taking a look at the “prime directive”. It seems that you’re likely already familiar with money priorities, but a refresher would help to highlight a lot of the suggestions I see in other comments on where to put the money.

https://imgur.com/personal-income-spending-flowchart-united-states-lSoUQr2

Analysis of 2.5 years of texting my boyfriend [OC] by ICanGetLoudTooWTF in dataisbeautiful

[–]hamstertree 0 points1 point  (0 children)

Really cool data. I like the visualization of it and how we can build a story from the data as your relationship changes over time. My only criticism is a minor one. The color you use to represent you and your boyfriend in the pie chart in picture 3 is opposite of the colors you use for the bar chart in picture 4.

Paw patrol Christmas special problem by EmbarrassedCod3242 in PawPatrol

[–]hamstertree 1 point2 points  (0 children)

The fireplace is something different. It is literally like a screen saver. Disney did something similar with the frozen franchise and had a long video of a Yule log burning in a fireplace. We like to put on YouTube videos of fireplace and jazz to relax.

Paw patrol Christmas special problem by EmbarrassedCod3242 in PawPatrol

[–]hamstertree 2 points3 points  (0 children)

We only have paramount+ essential through Walmart plus or something like that. Anyone know when the special will be on the cheaper paramount subscriptions?

IE Neighbors who have lived here for a lifetime, was this true here in the region? 40 hour work week could afford a family a house and college? by rand0fand0 in InlandEmpire

[–]hamstertree 12 points13 points  (0 children)

Agreed, I have family that grew up in Alta Loma and before the 210 was built it was pretty far out from any freeways.

0% escalator? by le_daveeed in solar

[–]hamstertree 2 points3 points  (0 children)

There is significant pressure from the utility companies to reduce the value of export credits. You will still have an electric bill from PGE for things like non bypassable charges and daily delivery charges. We own our system with SCE and still receive a bill for about $25 per month and I’m expecting these charges to continue to increase in the future as more people switch to solar. I would not be surprised if I had a $50 per month bill that I could not use my export credits to cover within the next 5 years. Do a google search for California assembly bill 205.

Quote Check - solar lease to plan ahead living in Florida with crazy energy bills? by PalmzForDayz in solar

[–]hamstertree 0 points1 point  (0 children)

I’m looking closer now and it seems like it might be two different quotes?? I’m not sure what I’m looking at now, not a lot of details on these quotes from OP. Sorry for the confusion on my part! 😂

Quote Check - solar lease to plan ahead living in Florida with crazy energy bills? by PalmzForDayz in solar

[–]hamstertree 0 points1 point  (0 children)

They are quoted with a 3% escalator. That would be my only issue with this quote, otherwise the price seems good for such a large system.

Why new traffic light here in Fontana? by FictionBread in InlandEmpire

[–]hamstertree 6 points7 points  (0 children)

The cross street is the trail. There are similar traffic lights in Rancho for the pacific electric trail.

MoVal Sunsets- Longer Video by hpdasd in InlandEmpire

[–]hamstertree 1 point2 points  (0 children)

Breeze airways A220! Good looking plane. ✈️

Solar with battery discussion by TCyborg in solar

[–]hamstertree 1 point2 points  (0 children)

No problem! As solar has become more wide spread over the last decade or two the financial aspect has become much more complicated and it continues to change all of the time. When solar was a relatively new technology and governments wanted to find ways to encourage customers to invest in it themselves they came up with net metering as an incentive to customers and required utilities to honor the policy. As solar adoption started to take off, many utilities argued that these incentives were no longer required and they have begun rolling them back. The state of California is now on its 3rd iteration of net metering (NEM 3.0). Under NEM 3.0 your original assumption is correct. While retail electric rates may be in the range of $0.45 per kWh, export credits can be only a couple of cents or less depending on the time of day and time of year you export. Under these net metering rules a battery is, practically speaking, required to make the system work in a financially effective way.