February Mini-Rants. Look on the bright side - it's the shortest month of the year

I’ve decided that the three worst kind of people in the world, in order, are:

Rapists
Pedophiles
Salespeople

A week or so ago I made the grave mistake of signing up for a “solar energy audit.” A guy came to the door and introduced himself, saying he was working on retrofitting a house with new windows a block or two away and, heads-up, I might see a drone in the air and not to worry. Then he asked if I’d ever had an energy audit on “the new house.”

“New?”

“Yeah, you just moved in, right?”

“Uh… yeah.” Stupid public records.

Anyway, we agreed to have them come by later – which turned out to be last night – and do an “energy audit.” I thought he would be talking about upgrading windows and adding skylights, both of which we’ve discussed the need for in the new house. How naive of me. When the guy actually showed up we learned that it was really a sales pitch for photovoltaic roof panels.

My wife and I spent half an hour listening this moron who had reeking BO and a cheek full of snuff sit at my dining room table and tell us all about the wonders of solar power. Nothing about skylights or window replacements, which is what the guy who came to the door said it was. My wife kept her mouth shut pretty much the whole time because 3 seconds in she knew we’d been had and knew I was likely going to immediately become argumentative and insulting to the deceptive visitor.

I love my wife to death, but sometimes she can be so, so wrong. It took closer to ten minutes before I started arguing with him.

He began by pulling out a laptop and firing up a PowerPoint slideshow. First out of the gate: the wonders of renewable energy. Seriously, dude? You’re beginning with that? You aren’t from around here, are you?

So no, not happening. I’m going to be selfish and make my priorities first. Let’s discuss cost. Actually, we aren’t going to really discuss it, you’re going to give me numbers. We’ll start there, then talk. This convo is going nowhere if I don’t know what the total cost is. So I interrupted his spiel and asked. Upfront costs, total cost, maintenance costs. He didn’t answer. I don’t care what I’m buying (well, with a few exceptions I suppose), I’m going to start with a budget, ascertain the price of whatever I’m shopping for, and go from there. If I buy a car, I start with a budget, figure out what makes and models fit into my budget or what used cars are available that fit my budget, (i.e., what’s the sticker/asking price), and see what fits. Every purchase I make, down to groceries and gasoline, is the same. Start with a budget and an asking price: everything else flows from those two numbers. This guy would not answer me. He kept beating around the bush until he finally caved after my umpteenth request: The cost of the solar panels, the upgraded electrical panel, the permits, the installation, and whatever else I’ve forgotten for my 1400 square foot rambler ranch house with about 40% of the roof area unusable for solar panels was….

Want to guess? Total shopping bag price.

$124,000.

I literally laughed.

My remaining mortgage, on a $340K house, is $205K. He had an iPad with a financing application already waiting to be filled out. Without missing a beat he started asking for the various information each field on the application was requesting. I told him that I work for the federal government in a capacity that does not allow me to divulge that information. (Not true, I don’t know if it’s true for anyone, ever, but it sounded good to me. Better than “go to hell, asshole” at any rate.)

He paused for a long moment, looking around the dining room and living room, apparently trying to figure out if I was yanking his chain or not. Then he became extremely offended that we weren’t going to sign the paperwork for the whole system right then and there. He tried all the slimy salesmen lines, interspersed with pauses to point to the graphs and charts and big flashy headlines on his PowerPoint: “this offer is only good for today.”(It was 6pm) “I’m leaving town to go back to the office [which he said was in Tumwater, 5 hours away] tomorrow so you don’t even need my phone number if you change your mind, I won’t be around. Gotta strike while the iron is hot!” “This deal is a great deal, all our competitors charge more than us by thousands… tens of thousands even!” “It’ll add up to 4% value to your house!”

That’s when I started to get outwardly pissed. I told him that the cost of the system would be about 60% of my outstanding mortgage, which is a metric shitload more than “4%” value. And that doesn’t take into account depreciation and aging of the system. Not exactly an apples-to-apples comparison, but this jerk didn’t strike me as the pedantic type.

“Nowhere near 60%,” he says with supreme confidence. Really? I had done the math in my head as we talked. So I pull out a legal pad. “We learned this in 6th grade, I’m sure you remember. Introductory elementary algebra. If you’re trying to determine what percentage of 205K is 124K, you have to write it out like this” (writewritewrite), “then you must isolate your variable, which is the percentage that we are after – are you following? We do this using division because division is the opposite of what? Multiplication, that’s right.” (Writewritewrite as I hear a barely audible snicker from my wife), “and then of course we must convert the number that now represents the variable we just solved for to a percentage. Do you remember how to do that? 5th grade, I think is when we learned that.” (write) “60.4 percent. Rounding is fun, so let’s call it 60 percent, ok?” Another snicker from the direction of my wife but maybe I was imagining things.

“You’re missing the point,” he says, despite the fact that was the exact point his feeble moth-sized brain was trying to make. “You’d have a much lower power bill.” Earlier he had told me that, by his estimation, with his fancy system my power bill would be about half of what it is now if averaged out over 12 months. I start in on the legal pad again. “Ok. Let’s do the math. I pay, at most, $350/month for power. You want me to pay you $460/month for this photovoltaic system on a 25 year (!!!) financing plan while also paying ~$175/month to the power company? In what world is 635 less than 350?!”

He didn’t respond directly to that. “Sir, you do realize that this is renewable energy, right? Can you really put a price on your conscience?”

Long pause “We’re in western Oregon. We are already on renewable energy. Forgive me for assuming you knew that. The hydroelectric dams on the Columbia, which I’m sure you crossed on your way down from Tumwater, are kind of famous.” At this I could almost feel my wife, who was sitting off to the side a bit out of my line of sight, do a full-body eye-roll / cringe.

“Uh… well, this is yours, he sputtered. "You wouldn’t be beholden to a heartless power company owned by Warren Buffet!” (I have no idea where that came from.)

“Well,” says I, “except for the 50% of my power needs you say the solar panels wouldn’t cover. I’d still be reliant on the grid for that.”

“Well…. …. Yeah, I suppose so. But still, there’s freedom in having solar! It’s a very patriotic thing to do when you own your own land! It gives you some buy-in [he actually said that] on your home” This is Trump country, my money says using those words has earned him a sale or two. And “property rights” are up there with 2A freedoms around here, so I suspect using that particular line was just playing his expected audience. Which, of course, neither my wife or I could be further from.

I respond, “Freedom, that’s true. There’s freedom in having a brand-new Lexus, one of which I could buy, any model I could care to want in any trim, color, and configuration I could want, for less than the price you just quoted me.” I didn’t know if that was true at the time, but it sounded good in the heat of the moment. Googling later, I discovered it was indeed true.

At this point he muttered something about not wanting to be pushy, grabbed his iPad and messenger bag, and literally without another word walked out of the house. After a few moments of stunned silence at his sudden and unceremonious departure my wife turns to me and says, "so does this mean we arent buying a new Lexus either?”

Fucking jerk. I swear I can still smell his reek lingering in the air.

Damn, you are waaaaay more patient than I am. How long was this guy stinkin’ up your personal space?

He was here for half an hour or so. I confess part of me was curious what kind of benefits solar panels could give me so I let him do his sales pitch for much longer than I should have. But once he finally spilled the price and I started ripping his math apart he was gone in less than 5 minutes.

I’m tipping my hat to you. Just like keeping those Nigerian scammers on the line, you kept him from stinking up someone else’s kitchen!

We refinanced our mortgage last year. Wound up rolling the existing HELOC into the main mortgage at that point (as the lender wouldn’t let the HELOC stand, even though we could no longer draw on it). No biggie - all in all, our net monthly payment went down, a lot. Insanely low rate, 20 year fixed.

For the past week, the lender’s “retention department” has been calling me “Let’s see what we could do to save you some more money, or earn us some more origination fees, or something”. Now, I know they sold the loan, basically immediately, so right now our only use to them, financially, is whatever fee they get for continuing to service it for payments etc. UNLESS they can convince us to refinance through them.

Today’s call basically boiled down to “Ooooh - you could get a cash-out loan, for home improvements etc, and the rate is pretty much what you have now, OK, a teeny bit more (.125 higher) and it’s fixed for 10 years then it goes adjustable. Isn’t that WONDERFUL!”.

I thanked them for their time and said I’d discuss it with my husband. Discussion will probably go like this: “So the lender is pestering us to refinance. Seems like an awful idea. If we need money, we go with a regular HELOC at the credit union, the rate for THAT money would be higher, but we’d keep our existing crazy-low rate, AND we don’t pay any closing costs.”.

Assuming I’m remembering correctly what a cash-out mortgage is, they want you to refinance with a new mortgage at a) a higher initial APR than what you have now that b) is not a fixed rate (read: will skyrocket a decade from now), and c) reset your repayment schedule back to the starting point – 30 years – when you currently only have 19 years left? Just so you can have some extra pocket cash because Reasons?

I’d be pissed if I got a call like that. We’re less than a year into our mortgage, which is our first home purchase. I cannot wait to have it paid off and sincerely hope that I can pay it off early – I really do not want a mortgage payment when I retire. Barring some massive catastrophe that would require a huge cash infusion, I can’t imagine ever being tempted to do something like that.

Yeppers. Well, I didn’t ask what the loan term was. We’ve actually been in this house for 19 years, and after various refinances (from one 30 year loan to another), last year’s refinance had a term ending at about the same time as the previous one. The proposed new loan would give us a TON of cash, which we do not need (though it could be used for household remodelling), and leave us in a lot more household debt than we had when we bought the place.

Admittedly, part of why the fellow suggested the loan he did was because I’d said we did not intend to stay in the house for the full 20 years. In that situation, a 10 year fixed rate is actually not completely insane, in principle. But for our scenario, it just doesn’t make sense - and is pretty plainly just a money grab from the loan originator.

A friend who refinanced through that company at about the same time as we did said they have NOT been pestering her.

Yeah, I’d ask them to never call me with promotional offers (or “advice”).

But I gotta say, having a spouse (real, or pretend) is such a perfect excuse to shut down a call: “Oh, my wife handles all that, and she’s deployed in Poland til there’s world peace, but I’ll have her call you as soon as she’s back oops, grease fire, gotta go, bye!”

This one hundred times over. I really have a hard time with saying no to people’s faces (or on the phone) but once I realized this trick, I find it a lot easier.

My minirant for the day - The roads around here seem to be made of the asphalt equivalent of tissue paper and the recent weather has really highlighted their weaknesses. Driving right now is like trying to navigate a minefield where, instead of exploding, you just ruin your car tires… and myabe your teeth.

Went along with boyfriend to his twice yearly medication at the Cleveland Clinic. His father drove us. On the way home, his dad kept saying he didn’t feel good. He stopped at his house, went in. A half hour later, I went in and he’s laying on the couch. I can’t take you home. Thankfully, there’s a cab service( an unmarked car, no meter) so I called it. Not sure if 20 was too much for a 5 mile drive. If I hadn’t been there, my boyfriend would’ve been stuck in the car God knows how long, with no phone and no way to get into the house! :angry:

And your axles and maybe suspension or the exhaust system …

shudder

Late last year, the university I attended put a little post on Facebook about a new certificate they were offering in computer programming. It looked really good – an intensive but up-to-date overview of languages in common use now. I did have questions though, especially considering that I developed a low opinion of this university’s computer science department when I first enrolled there. Fortunately, there was a form where you could sign up to discuss the course content with an advisor. Spiffy! This could be the path for me getting back into computer work.

Except that the ‘advisor’ turned out to be a guy from the university’s financial department, and he barely attempted to answer my questions before trying to talk to me about financing, and how soon I could sign up, and that I really needed to sign up NOW, and… Yeah. :angry: Not happening. (Also, the online course hours were so rigid that it pretty much excluded participation by anyone with a job who didn’t live within 20 minutes of their home.)

My anti-rant: got home today and found a large envelope from corporate in the mailbox. Apparently, in honor of my upcoming work anniversary, I get to select something from an online catalog. I looked, and there’s really some decent stuff in there! There has to be a catch though. :confused:

I used to be a salesperson. Thank goodness I was in a store and everyone I interacted with were there looking for something. I wasn’t accosting people who had no interest in my product. The door-to-door thing is awful (for seller and mark alike).

One cool thing is that since I’ve been in sales, salespeople don’t make me uncomfortable. I know exactly what they’re doing and have no problem saying “no” clearly but without being a jerk. (Usually some variation of, “I appreciate the offer but I really have no interest.”) If you’re polite but firm, they know it’s a waste of time and a smart salesperson will move on. And if someone is being too pushy, I will flat-out tell them that they are too aggressive and they’ll be better served with a softer sales approach.

I get people at my door all the time trying to sell me stuff (I live in a neighborhood with a lot of decent houses packed tightly together so it’s a prime target) and I have never spent more than a minute or two turning someone down, and haven’t had to be a jerk about it. (Yet.)

So jealous… we now have a desk clock we never would’ve bought, because it was the only gift in their Recognition Catalog that wasn’t silly, impractical or hideous.

I got a blanket. Husband got steak knives. :woman_shrugging:

I got a blanket. Husband got steak knives. :woman_shrugging:

For my wife’s 25th year, the ONLY thing in the Corporate Catalog that wasn’t total kitsch was… a Shop•Vac.

(I love it, and I’ve never sung the song… where she can hear me, anyhow…)

.

My go-to line is “Look, I am NOT a hot prospect. If I even talk to you, it’ll be a total waste of your time. Better to find someone who actually needs solar-powered weather-stripping for their rain gutters…”

(or whatevs)

Well, the gift may be taxable remuneration, so there’s that… 50 dollar clock, 20 dollar tax bill. To be fair, the time or two I’ve had anything like that, the company “grosses up” my income enough to cover the tax bill, so my net effect is roughly zero.

Pretty good electric smoker for me.

I got a nice Waltham ship-strike mantel clock. When my wife retired she didn’t want any jewelry or other stuff they offered, so she let me pick: a Replogle Gemstone Globe.

For my 35-year service reward I picked a Trek mountan bike, which turned out to be the worst lemon I ever acquired. After spending about $400 customizing and upgrading some components I realized it was a lost cause and donated it to Goodwill.

On the other hand, I retired in the same year and got $500 to spend on a nice dinner for me and some friends at the Marine Room in La Jolla.