From the web:
>>... He said it is ok to have ground wires and and nuetral wires on the same bus bar in both subpanels and a main panel...<<
You need to find another electrician. One that understands the proper bonding and grounding of panels, sub-panels, and circuits.
>>...Whats the theory behind separating the nuetral and ground wires in a subpanel but not in a main panel that contains the service disconnect?<<
First, you have to understand that the neutral is a current-carrying conductor, whereas the ground wire is not. As such, the neutral wires are insulated, the same as any other current-carrying conductor. The misunderstanding comes from the fact that the neutral wire is intentionally grounded at the main service panel only. The reason for this action is to allow ground-faults (or "short circuits" to ground) a return path back to the source of power, the utility transformer. Having the ground wires bonded to the neutral makes it possible for the circuit breaker to trip out easily under such conditions.
IF one were to connect the current-carrying neutral wire to the ground wires "downstream" then it's possible for some of that current to follow what is called a parallel path -- over the bare grounding wires -- instead of the insulated neutral wires -- as it finds its way back to the source.
Keep in mind that the metal outside frames of your utilization equipment --> appliances, furnaces, water heaters, etc. are connected to that bare ground wire, and you absolutely do not want those metal frames to be carrying any of that current in their normal course of operation. Such stray currents can have potential differences between them and a grounded surface, such as a concrete floor, or the frame of a different appliance connected to another circuit. Potential difference = Voltage.
And Voltage can = shock
Source: http://www.electricalknowledge.com/f...hives/1098.asp
-B