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Old 08-19-2011, 09:27 PM   #16
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Questions on replacing central air


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Originally Posted by yuri View Post
well, you got all the warning signs and why would you want him to do maintenance? Payne is the budget brand of Carrier. Carrier and Bryant are premier quality and Payne is the builders grade of their line. Go with an experienced contractor and you really do get what you pay for. There are dozens of problems that can go wrong with inexperienced or hacker contractors. hope you read the story in that link.
I looked quickly at that and am going to go back and read it. Funny I asked if this was a builder's grade unit and he said they don't make a builder's grade, but if I want a higher line unit he can install a Carrier.

I believe what you wrote about getting what you pay for if you have an experienced contractor. I am not risking it on this guy and will likely take the first and most expensive bidder, he is perhaps $1,000 more than the small contractor but is talking about doing a proper job with a decent product (Trane).

{Edit: If your rules permit, should anyone want to recommend a contactor down here in Orange County, preferrably South Orange County, Ca, I would like to here from you by a PM.}

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Last edited by Klawman; 08-20-2011 at 03:45 AM.
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Old 08-20-2011, 08:57 PM   #17
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Questions on replacing central air


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Originally Posted by yuri View Post
well, you got all the warning signs and why would you want him to do maintenance? Payne is the budget brand of Carrier. Carrier and Bryant are premier quality and Payne is the builders grade of their line. Go with an experienced contractor and you really do get what you pay for. There are dozens of problems that can go wrong with inexperienced or hacker contractors. hope you read the story in that link.

The more I think about it the more I am glad I am not going with that guy, but what about going with somone sent out by a big box store like Home Depot. One of the guys I have already talked with told me that he does work as a sub for them and this guy is on the top of my list. Meanwhile I was at the HD getting some non HVAC related stuff and when they heard I was looking into getting amy HVAC replaced the next thing I knew they are going to have someone call me to set up an estimate.

My question is it is a good idea to go through them? I am concerned that they cut the sub so bare to the bone that the sub cannot afford to do a quality job. Also, will HD screw up the deal I am working on with the contractor/sub from whom I already have a proposal?
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Old 08-20-2011, 09:07 PM   #18
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Questions on replacing central air


I used to be that guy that gave the estimates. HD basically gets a cut of the sale. Also, you pay HD for the install, and then HD cuts a check to the contractor, after it passes inspection. If you want a quality install, you will have to pay the first price given to you. There are no discounts, just things taken out of the job.
HD gets 8%, salesman gets 4%, the rest is for your installation.
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Old 08-20-2011, 09:15 PM   #19
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Questions on replacing central air


The main reason people use home depot for a/c install is that you can put it on your HD credit card. Here is the fun part. If you don't have a 5k limit, as a new system is going to be in that range, if not more. Then the salesman will have to call hd credit and get your limit raised. You have to have a 720 credit score to get the card, and a very low debt to earnings ratio to get the increase. Basically if you owe money on the house, you don't get the increase. Depending on how much you owe, you may get a partial bump of your spending limit. Then the sales guy will run you through GE moneybank. Im not a fan of credit cards, but this one is not to bad as long as you stay with the program. If you do use GE, take the 12 months no interest and pay as much as you can. After the intro period, change to fixed payment schedule. You will get out of it without a beating.
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Old 08-20-2011, 10:13 PM   #20
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Questions on replacing central air


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Originally Posted by Master of Cold View Post
I used to be that guy that gave the estimates. HD basically gets a cut of the sale. Also, you pay HD for the install, and then HD cuts a check to the contractor, after it passes inspection. If you want a quality install, you will have to pay the first price given to you. There are no discounts, just things taken out of the job.
HD gets 8%, salesman gets 4%, the rest is for your installation.
That is something like what I expected. If the sub is going to be around and if my warranty is from the manufacturer, say Trane, it sounds like I may be better off and the contractor may be better off if HD isn't in in the picture.
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Old 08-20-2011, 10:27 PM   #21
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Questions on replacing central air


Quote:
Originally Posted by Master of Cold View Post
The main reason people use home depot for a/c install is that you can put it on your HD credit card. Here is the fun part. If you don't have a 5k limit, as a new system is going to be in that range, if not more. Then the salesman will have to call hd credit and get your limit raised. You have to have a 720 credit score to get the card, and a very low debt to earnings ratio to get the increase. Basically if you owe money on the house, you don't get the increase. Depending on how much you owe, you may get a partial bump of your spending limit. Then the sales guy will run you through GE moneybank. Im not a fan of credit cards, but this one is not to bad as long as you stay with the program. If you do use GE, take the 12 months no interest and pay as much as you can. After the intro period, change to fixed payment schedule. You will get out of it without a beating.
Being able to work money can help and sometimes we just don't have the option but to resort to credit cards. In the past I only use HD accounts for major purchases and like you say pay them off within the 12 month interest free. Not because I have the money so much as I then dip into a line of credit and any interest I pay on it is tax deductible. Given my low cost of money and a recent small windfall, I don't need to resort to Home Depot for financing. Knock on Wood.


Still, as we get used to living on a retirement budget financing is more and more important.

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