Central AC - DIY

Installing a Central AC:

This is NOT a DIY. It's always installed by a professional. There are videos on how to do it yourself, but you would be better installing a ductless minisplit (may be multiple of them) to achieve the same result. Minisplits are DIY and lot easy to replace.

 


 

Replacement of AC: AC replacement labor is pretty expensive at $4K per installation just in labor cost. It's definitely a DIY, but only for people who have already handled minisplit Installation and repair. Here's 2 part video explaining it:

Part 1 (Replacing outside condensor unit): https://www.youtube.com/watch?v=sR5wIbNrs7Y

Part 2 (Replacing inside Evaporator coil): https://www.youtube.com/watch?v=oIDSNBOpBKg

Part 3 (Brazing and Pressure test): https://www.youtube.com/watch?v=mUwIKPoBYSo

 


 

Repair and Maintenance:

A lot of common problems with AC are easy to fix, and you don't have to sell your kidneys to pay someone to repair it.

Video showing top 4-5 issues with AC issues and repairs (Taddy digest) => https://www.youtube.com/watch?v=wThzFULXxN8

 

1. Freon Topoff: 

Most of the repair of Central AC is around Freon leaking, which is a very common issue. Some Freon leaking is OK, as you can just top off every couple of years, instead of trying to find the leak and fixing it. However, AC repair companies which come and top off Freon charge a lot of money, usually around $100/lb, while you can get freon for around $10-$20 per pound.

Here's a video detailing how to do it => https://www.youtube.com/watch?v=J1s4wxDBe24

Look for High side and low side pressures to be inline with what it's supposed to be.

Freon leak detection: This is harder and requires more tools. I've explained it under "Minisplit" section. Look for leak detection by first topping off freon, and checking with "Refrigerant leak sensor". On top of that, you can put soapy water at places you suspect of leak. If the AC is showing < 50 PSI (meaning most of the refrigerant has leaked), then you can vacuum out the AC, and then add nitrogen gas to it and do leak detection again. This process is more involved for AC than Minisplit.

 

2. Capacitor Replacement:

A lot of time, your AC will just die (not start at all) on a hot summer day. The most common culprit is the Capacitor that's on the outside unit. It's a dual capacitor (2 capacitors in 1 pkg), and is just connected via wires. The capacitor is usually inside the covering to protect electrical connections, so you have to unscrew the little covering on the side of the unit to see the capacitor. You can measure the cap b/w the 3 terminals via multimeter. The multimeter should show open (or infinite resistance) is the capacitor is good. If it shows close to 0 resistance, that means there' s a short in the capacitor, and the capacitor needs to be replaced. Sometimes the capacitor is not out right shorted, but has a lower capacitance value than what it's supposed to have. That means it''s out of spec and will fail in some time. This can't be detected by a multimeter, but you can buy the more advanced meters which measure capacitance too. This will give you the proper capacitance reading. It's better to replace them if they are out of spec, instead of waiting for them to fail. You can buy these capacitors from Home Depot, Lowes, etc for $10 a piece. The only spec that needs to match is capacitance value listed. It's written in MFD (micro farad) or uF. There are 2 cap values mentioned, ad you need to match with the new one that you are going to replace with. You do NOT need to match the part name from the printing on the capacitor. If you can't read the Cap value, then you need to call the manufacturer of your AC and they'll give you the part number and the cap values. Ignore the part number, as you can buy any brand of cap from anywhere. If a HVAC contractor comes to fix this, he'll charge you $300-500 for replacing these capacitors. It's a 2 minute job and saves you $$$.

Capacitor replacement (DIY HVAC guy) => https://www.youtube.com/watch?v=FQisFmMtAis

The 3 terminals of Cap are: C (common), FAN (fan) and HERM(Hermetic compressor). So, the 2 cap formed are b/w C-FAN, and b/w C-HERM. If you measure cap values b/w these you will see the values. HERM cap (~50uF) is listed 1st on the pkg, and it's always lot higher than the FAN cap (~5uF) which is listed next (i.e HERM_CAP/FAN_CAP). These are the 2 motors in the outside unit => one that cools the condensor (the visible big fan that you see, which is not a very powerful motor) and the other is the compressor motor that does the job of compressing to increase the pressure of refrigerant. This motor has to be lot more powerful to be able to do the pressurizing job efficiently, hence the higher cap.

The colored wires that connect to Caps in my AC are: Red is common, Purple is Fan and Yellow is Herm. It may be same or different colors. Make a note of these colors and what they connect to, so that you connect them exactly as it was before.

Link with details => https://hvactrainingshop.com/dual-run-capacitor/

My 3.5 TON AC from Lennox (for downstairs) read 44.74uF(HERM), 10.06uF(FAN), while specs were 45uF(HERM), 10uF(FAN). So, both the caps were good as they were within 1% of Spec. Even then, I bough one to keep for spare from here (I just looked for MFD 45uF + 10uF MFD, it came with 5 yr warranty, and is less than 1/2 the price of one from Lennox) => https://www.amazon.com/gp/product/B0932QKL5L

Similarly for 2 Ton AC from Lennox (for upstairs) read 34.5uF(HERM), 4.44uF(FAN), while specs were 35uF(HERM), 5uF(FAN). So, Fan Cap was bad as it was outside 10% spec. Even though the AC is running fine, it's not advisa;e to run AC with Caps which are more than 10% outside of spec. So,, I bought one from same company => https://www.amazon.com/gp/product/B0932RGKCX

Each of them cost $15 for a total of $30. HVAC Tune up guy gave me a quote of $700 for replacing both. Now that's a ripoff :(

 


 

These are stocks that are at year lows. These are large companies, all dividend paying and financially strong enough to keep paying dividend.

  • Target (TGT):
  • Pfizer
  • Accenture
  • Pepsi (
  • Stanley Black and Decker
  • Fedex
  • Baidu:
  • Kohls (KSS)
  • Medtronic (MDT) => dividend aristocrat
  • HPE
  • Kraft Heinz = KHC
  • Bristol Meyers Squibb (BMY)
  • Nike: 21 yrs of dividend inc. $1.6 dividend on $50 stock (5 yr low in price)

 Stocks NOT worth investing:

  • VZW< ATT
  • Bath and Body Works

Home Owner Association (HOA):

Wiki => https://en.wikipedia.org/wiki/Homeowner_association

HOAs are Associations that a bunch of homes in a neighborhood form. In homes built before 1980's, there didn't use to be associations. The only associations that existed were for "Apartment" like housing complex, where a bunch of homes shared common wall, or common roof, or common ground. Associations were necessary in such cases, since no one owned the land, instead they owned just the air space. Any maintenance work needed for the building had to be shared. So, associations were needed, where associations collected some yearly fees from Homeowners. This money pooled in was used for pay for any ongoing expenses to maintain the "Flat system community". These "flat or apartment" systems are known as "Condo" and "Townhome" in USA. "Condo" are exactly like "flats" in India, where houses are built on top of each other, generally 2 storied. Bigger cities have Buildings which have 10's of floors. "Townhome" are little better than "Condo" in the sense that each house is built on it's own land. To keep price of houses low, houses are built next to each other, where they may share a common wall on one or both sides. However, the hmeowner still doesn't own the land. All of the land in a condo/townhome is owned by the Association (HOA).

Fast forward to 2000's and now even stand alone home with their own land have associations. Infact, no builder builds houses w/o HOA anymore. If you buy any of these houses, you have to become member of HOA and  bound by the HOA rules. HOA also have yearly fees to pay for common area maintainence, etc. These HOA dues are usually $1K/year, but in some neighborhoods go as high as $5K/year. Condos/Townhomes have even higher HOA dues.

HOA Pitfalls:

HOA is a legal "GundaRaaj" in USA. There is a Board for any HOA which comprises of couple of elected homeowners. They go hire a "Management Company" which provides services for a yearly fees. These "Management Companies" take over all the power, and Board members become mere "puppets" of the Management Company. Dues start going up, services start going own. Anh how does it become a "GundaRaaj". Because there is

http://www.poliakoffoncondohoaliving.com/2011/04/enforcing-covenants-rules-and-regulations-in-condos-and-hoas-the-concepts-of-waiver-and-selective-enforcement/

If r4ule hasn't been enforced in years, it cannot be enforced.

Ask for mediation or arbitration prior to lawsuit.

http://www.dallasbar.org/sites/default/files/October%202014%20-%20HOA%20Foreclosure.pdf

Texas property code :

https://statutes.capitol.texas.gov/Docs/PR/htm/PR.209.htm#209.007

Does the unit owner’s debt consist solely of fines? If Yes, that association can't forclose. Tex. Prop. Code §82.113(e).
=>
The association has the right to foreclose its lien judicially or by nonjudicial foreclosure pursuant to the power of sale created by this chapter or the declaration, except that the association may not foreclose a lien for assessments consisting solely of fines.
 
Sec. 209.0062.  ALTERNATIVE PAYMENT SCHEDULE FOR CERTAIN ASSESSMENTS.  (a)  A property owners' association composed of more than 14 lots shall adopt reasonable guidelines to establish an alternative payment schedule by which an owner may make partial payments to the property owners' association for delinquent regular or special assessments or any other amount owed to the association without accruing additional monetary penalties.  For purposes of this section, monetary penalties do not include reasonable costs associated with administering the payment plan or interest.
https://statutes.capitol.texas.gov/Docs/PR/htm/PR.82.htm
 
(12)  impose interest and late charges for late payments of assessments, returned check charges, and, if notice and an opportunity to be heard are given in accordance with Subsection (d), reasonable fines for violations of the declaration, bylaws, and rules of the association;

Illegal fines for delinquent dues:

Currency Trades:

You'll hear a lot about Currency trades too, where people bet on a pair of currencies and depending on what direction the currencies move, you make/lose money.

Currency Basics:

Currency Pair: A currency pair is the quotation of two different currencies, with the value of one currency being quoted against the other. The first listed currency of a currency pair is called the base currency, and the second currency is called the quote currency. It indicates how much of the quote currency is needed to purchase one unit of the base currency.

Ex: 80 USD/INR = 80 => This implies that 80 INR (quote currency) is needed to buy 1 USD (base currency).

The US dollar (USD) is often used as the base currency because it is considered the world's primary reserve currency. So, most FX quotes are written as USD/<Quote_currency>. The value quoted is > 1 for most currencies as you need more of the other country's currency to buy 1 USD. That makes it easy to quote, as 0.012 doesn't sound good in quoting (if quoting was done in INR/USD). Notable exceptions are USD/GBP,  USD/EURO which are slightly < 1 as of 2024.

The EUR/USD currency pair is considered the most liquid currency pair in the world. NOTE: it's not in the conventional USD/EUR form, with USD being the base currency. This is how it was done historically. The USD/JPY is the second most popular currency pair in the world.

Forex Market:

Forex market is where these currency pairs are traded.

 

 

Deals: Here I'll put some of the deals that are FREE or I believe are worth my money. Most of the deals will have links from slickdeals,.net and doctorofcredit.com since that is where I find the deals from wink

Most of the deals we are interested in are ones where we make free money. There are also other deals where items are on sale for a price below what it would cost to make them. Deals are listed for each year separately. Let's make some moolah !!

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