"whats to stop a good hacker from getting in your pc or if this hacker finds the mac address of the router"
For starters that would be the Router your behind not allowing any unsolicited traffic into your machines because its doing nat. Unless you have turned on remote management, that router would not be listening on any ports for a "hacker" to access in the first place. So your saying this hacker is going to hack the router without any service to connect to? Sure this is not out of the realm of possiblity. But I was say if that is the reason you turn off your computer/router your tin foil hat is a bit tight. What about when your ON it, this same hacker could just as well wait until you turn your devices on to hack you
As to "finds the mac address of the router"
What??

Do you understand what a mac address is? From this statement I have to think no. So my mac address of my router is wan interface is 00:50:56:00:00:01
hac away!!!
As to 20+ $ from your teenagers computer being on all the time.. And was his box sucking like 250 Watts constantly or something? No normal PC would draw anything close to that.. You can not look at the rating of the PSU and use that number, that is what its rated for -- now what your PC draws! If your actually interested pick up a killawatt meter and plug your devices into them to see what they draw and use over a period of time.
http://www.p3interna....com/index.html
I don't doubt your elec bill dropped when your teenager left.. But lets not forget the lights they leave on, the extra dishes you have to wash, the extra cloths you have to wash/dry (elec appliances), the extra water they use (elec waterheater). The extra your AC has to work for having more warm bodies in the house, etc.
I find it hard to believe the only elec your kid was using was from his PC

And that it was sucking 250 watts plus 24/7