Life So I fixed my own AC unit

Hog's Gone Fishin · 05-02-2013, 07:03 PM

Every year I have to recharge my AC unit 2 times to get through the summer. Normally $125. This year they told me Freon has gone way up due to the gov trying to do away with it and it will cost $700 to recharge. They tell me I really need to think about replacing my system , which they have said every year. It is original to the house built in 1977 so its 33 years old. So they tell me it's gonna cost $5000-$7000 off the hip but they will send a guy over to give me a definite price. I tell the wife , screw that !

Three days later Sam shows up , he measures the house and tours the attic, comes back down and whips out his computer. He first shows me that I have 3 inches of blown insulation in my attic where as I should have 13 inches. He talks to me for 2 hours to get all the details, how many people, number of showers taken , how much cooking is done in the kitchen and so on. Then he starts printing off estimates of new systems. The first one is $17,000 and they work their way down to $5000. He shows me how the most effecient system will save me $1100 / year in energy savings. Then to reinsulate the attic another $6000 which alone will save me another $800 a year. They seal everything tight in the process.

So after much debate I went ahead and got the Cadillac system and put it all on a new credit card at o% for 21 months.

Gee I sure feel ****in cozy now.

**Rain Man** · 05-02-2013, 07:06 PM

For that kind of money you could have imported an Egyptian peasant to fan you with a palm frond. It might be less efficient but it would be much more prestigious.

Hog's Gone Fishin · 05-02-2013, 07:36 PM

Quote:

Originally Posted by Rain Man

For that kind of money you could have imported an Egyptian peasant to fan you with a palm frond. It might be less efficient but it would be much more prestigious.

That would be nice but it might be a Muslim and I really am not to partial to muslims right now. But if she's hot i might be willing to accept a temporary palming if she agrees not to blow me up.

Aries Walker · 05-02-2013, 07:15 PM

Your old one was about twice the average life span of an air conditioner, so good call. They're right about the Freon; they're phasing it out in favor of Puron, which doesn't harm the ozone layer. Spending $11,000 to save $1,900 per year can't be beat; assuming you're not planning to move, you'll be in the black in about six years.

You did everything right.

Tombstone RJ · 05-02-2013, 07:24 PM

Quote:

Originally Posted by Aries Walker

Your old one was about twice the average life span of an air conditioner, so good call. They're right about the Freon; they're phasing it out in favor of Puron, which doesn't harm the ozone layer. Spending $11,000 to save $1,900 per year can't be beat; assuming you're not planning to move, you'll be in the black in about six years.

You did everything right.

I wouldn't have put it on a credit card. If I needed that kind of money and I don't have the cash, I'd get a loan at the local credit union. I'd pay the loan off pretty quickly too and then I'd still have the cc in case of emergencies or something.

I have a relative who bought a car on a credit card so it's doable. But really, why go that route when a small loan that you can pay off in a few years makes so much more sense?

ghak99 · 05-02-2013, 07:28 PM

Quote:

Originally Posted by Tombstone RJ

I wouldn't have put it on a credit card. If I needed that kind of money and I don't have the cash, I'd get a loan at the local credit union. I'd pay the loan off pretty quickly too and then I'd still have the cc in case of emergencies or something.

I have a relative who bought a car on a credit card so it's doable. But really, why go that route when a small loan that you can pay off in a few years makes so much more sense?

It doesn't matter where you go, you can't beat 0% for 21 months.

Tombstone RJ · 05-02-2013, 08:44 PM

Quote:

Originally Posted by ghak99

It doesn't matter where you go, you can't beat 0% for 21 months.

I guess you all have never really owned a credit card that has a great interest rate. One late payment and it's 21% sucker.

trust me on this, sheesh.

ghak99 · 05-02-2013, 09:19 PM

Quote:

Originally Posted by Tombstone RJ

I guess you all have never really owned a credit card that has a great interest rate. One late payment and it's 21% sucker.

trust me on this, sheesh.

Nice assumption, dumb ass.

The poor get poorer and the rich get richer, for a reason.

El Jefe · 05-03-2013, 06:46 AM

Quote:

Originally Posted by Tombstone RJ

I guess you all have never really owned a credit card that has a great interest rate. One late payment and it's 21% sucker.

trust me on this, sheesh.

Yeah you're a sucker if you miss a payment. 7 years of using 0% interest cards, well over 50k charged on them and never one late payment nor interest payment. Not everyone using CC's are idiots.

Oxford · 05-02-2013, 07:30 PM

Check your local utility for rebates, check govts for tax rebates/credits

Hog's Gone Fishin · 05-02-2013, 07:33 PM

Quote:

Originally Posted by Oxford

Check your local utility for rebates, check govts for tax rebates/credits

Yeah, I forgot to mention $1500 rebate as well as a $500 tax credit.

I've used 0% cc for years. as long as you are disciplined and pay them off it's FREE money.

El Jefe · 05-03-2013, 06:39 AM

Quote:

Originally Posted by Hog Farmer

Yeah, I forgot to mention $1500 rebate as well as a $500 tax credit.

I've used 0% cc for years. as long as you are disciplined and pay them off it's FREE money.

EXACTLY. I have said it numerous times on here, I use credit cards all the time. I have paid completely out of pocket for my under grad, and I did it all through 0% credit cards, never a late payment and never paid a cent on interest. On my PNC card, I use it so much that I have received $500 in cash back rewards, once you get to a $100 they cut you a check. They pay ME to use their card as a free loan. I have made and saved so much money on credit card companies.

Hog's Gone Fishin · 05-02-2013, 07:39 PM

Quote:

Originally Posted by Tombstone RJ

I wouldn't have put it on a credit card. If I needed that kind of money and I don't have the cash, I'd get a loan at the local credit union. I'd pay the loan off pretty quickly too and then I'd still have the cc in case of emergencies or something.

I have a relative who bought a car on a credit card so it's doable. But really, why go that route when a small loan that you can pay off in a few years makes so much more sense?

Umm. 0% for 21 months is cheaper than any credit union on the face of the planet.

Tombstone RJ · 05-02-2013, 08:42 PM

Quote:

Originally Posted by Hog Farmer

Umm. 0% for 21 months is cheaper than any credit union on the face of the planet.

but if your one day late with a payement that all goes away homey.

Hog's Gone Fishin · 05-02-2013, 08:52 PM

Quote:

Originally Posted by Tombstone RJ

but if your one day late with a payement that all goes away homey.

So , why would you be late on a payment then homey. I've used 0% CC for 30 years and never been late. I guess that's because I know what I'm doing .

05-02-2013, 07:03 PM	Topic Starter
Hog's Gone Fishin Fish are scared of me Join Date: Nov 2001 Casino cash: $1790477	So I fixed my own AC unit Every year I have to recharge my AC unit 2 times to get through the summer. Normally $125. This year they told me Freon has gone way up due to the gov trying to do away with it and it will cost $700 to recharge. They tell me I really need to think about replacing my system , which they have said every year. It is original to the house built in 1977 so its 33 years old. So they tell me it's gonna cost $5000-$7000 off the hip but they will send a guy over to give me a definite price. I tell the wife , screw that ! Three days later Sam shows up , he measures the house and tours the attic, comes back down and whips out his computer. He first shows me that I have 3 inches of blown insulation in my attic where as I should have 13 inches. He talks to me for 2 hours to get all the details, how many people, number of showers taken , how much cooking is done in the kitchen and so on. Then he starts printing off estimates of new systems. The first one is $17,000 and they work their way down to $5000. He shows me how the most effecient system will save me $1100 / year in energy savings. Then to reinsulate the attic another $6000 which alone will save me another $800 a year. They seal everything tight in the process. So after much debate I went ahead and got the Cadillac system and put it all on a new credit card at o% for 21 months. Gee I sure feel ****in cozy now.
Posts: 40,311

05-02-2013, 07:06 PM	#2
Rain Man NFL's #1 Ermines Fan Join Date: Jul 2001 Location: My house Casino cash: $3408491 VARSITY	For that kind of money you could have imported an Egyptian peasant to fan you with a palm frond. It might be less efficient but it would be much more prestigious. __________________ I'm putting random letters here as a celebration of free speech: xigrakgrah misorojeq rkemeseit.
Posts: 141,202

05-02-2013, 07:15 PM	#4
Aries Walker Back again, again. Join Date: Sep 2005 Location: York, PA Casino cash: $9583357	Your old one was about twice the average life span of an air conditioner, so good call. They're right about the Freon; they're phasing it out in favor of Puron, which doesn't harm the ozone layer. Spending $11,000 to save $1,900 per year can't be beat; assuming you're not planning to move, you'll be in the black in about six years. You did everything right.
Posts: 8,179

05-02-2013, 07:30 PM	#10
Oxford Regular Join Date: Aug 2000 Location: Springfield,MO Casino cash: $9625535	Check your local utility for rebates, check govts for tax rebates/credits __________________ I summon the IRON , Cookin up a whoopin for YOU YOU YOU!
Posts: 1,416