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es, I have to agree with you on the fact that my AC units are probably one of the issues. But here is my thinking on this. The house is only 5 years old and I would think the AC units are at least decent about using power
Nope, builders use what ever is cheapest, there long gone and your stuck with the bills. Get the model number, google the number and in minutes you will see you probably have either a 10 or 12 SEER unit(s)
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I am pretty sure that I have R40 in the attic, being that the house is pretty new
Nope, Builder ALWAYS do the minimum. There should be a certifcation tag some where, either at the entract to the attic entrace or such. Take a ruler and measure the depth, R30 is about 12" for reference
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Okay what is a radiant barrior?
Its basically tinfoil, stapled to the rafters, it reflects most the IR radiational heating from the sun, which drops the load into the attic by about 25-35%. Its a though jog to refit a built home, it can be done but its NOT something you want to do your self and you will have to re-blow the insulations as it will get trampled in the process
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The only old appliance I have is a 20 year old refigerator in the garage
Well thats going to use about 1000 kwh/year easy, plus being in the garage makes it work MUCH harder. Get ride of it and replace tomorrow with the best refrig you can get (enerystar wise)
Here is a starting place, find the size you want and then you can see whats the best
http://www.energystar.gov/index.cfm?c=commer_refrig.pr_commercial_refrigerators
Before you spend a dime on anything, you need to do an audit of your home to understand what you have and make NO assumptions, figure the builder screwed you on everything and anything you brought in was bought on price, not how much energy it uses. Make a list of everything , then lookup what they use and then see what they can be replaced with. A front load washers is a good example, refrig & Freezer. Computer monitors? are they CRT's , they can be replced with LCD's.
I think you will find, for 1/4 the cost of PV you can easily cut your bill in half, if not more.
If you jump and do the PV without first doing the above, you're going to be pissed when you spent 30K and your bill only went down 120$. Ive done all of the above and I beleive in PV, but there are steps to this process