Someone spending $400/month on electric is using some pretty serious Kwh's. If you want to keep your lifestyle of using that much power, grid-tied is your only option. Find out what rebates are available and make sure the power company pays you for your production. (I think it's law that they have to, but it may be at a reduced rate than what they charge to sell you power) You'll still see transmission and connection fees on your bill, even if you unlikely manage to make more power than you used. You'll always get a bill.

Another consideration might be companies who will put a grid-tied solar system on your home for free, and all you do is pay them for the energy used. You'll still have the trans/conn fees, but you dodge the upfront cost of equipment and installation, and I think those outfits guarantee the rate they charge remains unchanged throughout the agreement.

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