Search found 98 matches

by aquaman
Wed Dec 11, 2019 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Tips on medical practice partnership buy-in?
Replies: 55
Views: 2565

Re: Tips on medical practice partnership buy-in?

Might consider answering the following for better feedback How big of a group is it? (Number of docs) 5 partners, 3 associates, several part timers (non-partnership) Any conversations about selling the practice? Yes, possibly in a few years and then retaining reading rights How many years of sweat ...
by aquaman
Wed Nov 13, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11561

Re: Saving seats on Southwest

But this is a contrived example. Southwest allows family boarding after the A group for people traveling with young children. Our young mom is probably going to be okay with seats if she can board after the A group. As others have already pointed out above, Southwest's family boarding requires the ...
by aquaman
Wed Nov 13, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11561

Re: Saving seats on Southwest

- Most importantly - they are dependable. The arrive on time or early so I do not sweat a 45 minute turnaround. Less total time for my trip. You've been very lucky with Southwest. At the time of this article's publication (https://www.inc.com/bill-murphy-jr/here-are-all-worlds-airlines-ranked-by-on...
by aquaman
Wed Nov 13, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11561

Re: Saving seats on Southwest

I don't understand how paying up to pick two aisle seats across from each other (not SW) would be considered rude. I just did that myself. Booking two aisles is not the same as picking them on SWA. Perhaps rude is too harsh, consider inconsiderate or indifferent or lack of empathy. Imagine a mom wi...
by aquaman
Wed Nov 13, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11561

Re: Saving seats on Southwest

Actually I take a little pleasure in plopping down in "saved seats" How exactly do you do that? If a seat saver is in an aisle seat and then has stuff in the other two open seats to indicate that they are being saved, do you jump over him or her to get to the other two seats that are being saved, a...
by aquaman
Tue Oct 15, 2019 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Home appraisal 8% less sq ft than listing
Replies: 42
Views: 2681

Re: Home appraisal square ft less than Seller Listing

Should I ask for the full $55k price reduction? If the appraised square footage had come in higher than advertised, do you think the seller would've been able to demand more money from you? Take a deep breath. The square footage calculations are always imprecise, and it is exceedingly common for di...
by aquaman
Thu Sep 05, 2019 7:55 am
Forum: Personal Consumer Issues
Topic: Italy in September
Replies: 35
Views: 2440

Re: Italy in September

Some of the information in this thread isn't current. You can now book Vatican Museum tickets with a time slot directly with the Vatican. You no longer need to deal with tour guides. This is true for the Vatican museums (including the Sistine Chapel), but you cannot visit the Vatican gardens withou...
by aquaman
Wed Sep 04, 2019 5:06 pm
Forum: Personal Consumer Issues
Topic: Italy in September
Replies: 35
Views: 2440

Re: Italy in September

Some of the information in this thread isn't current. You can now book Vatican Museum tickets with a time slot directly with the Vatican. You no longer need to deal with tour guides. This is true for the Vatican museums (including the Sistine Chapel), but you cannot visit the Vatican gardens withou...
by aquaman
Wed Sep 04, 2019 12:59 pm
Forum: Personal Consumer Issues
Topic: Italy in September
Replies: 35
Views: 2440

Re: Italy in September

Hi. The only really crucial advice I think I can give is to book a guided tour to the Sistine Chapel, as you can bypass the queue. When you see the lines in the Vatican, your soul will be destroyed. To confirm, there's no such thing as a guided tour of the Sistine Chapel. You can take a guided tour...
by aquaman
Thu Aug 15, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7876

Re: Whole-house generators - Generac, Kohler, or Briggs?

Thanks for coming back and posting an update. I think you'll really enjoy the unit! :sharebeer
by aquaman
Fri Aug 02, 2019 2:56 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7876

Re: Whole-house generators - Generac, Kohler, or Briggs?

Hobart also makes one called the Champion Elite that is actually made my Miller (just has less welding functions). Another thing about welders is they are designed to run all day, every day. These are what you see bolted on the back of work truck out in the elements running 5 days a week no problem...
by aquaman
Fri Aug 02, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7876

Re: Whole-house generators - Generac, Kohler, or Briggs?

Hope this is helpful. As you can see, the estimated labor costs for the Kohler are quite a bit higher than that of the Generac, which makes up most of the difference in the quote. This has been a good exercise for me as I find it hard to believe the value of Kohler's installation labor is really 78...
by aquaman
Fri Aug 02, 2019 8:27 am
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7876

Re: Whole-house generators - Generac, Kohler, or Briggs?

While your cost on the generator and transfer switch may be accurate at around 4K, installation is not a $3000 affair. It’s more like $10,000 hence all the quotes both the OP and myself received in two different regions. A $10K installation would be extremely high, although it obviously depends on ...
by aquaman
Thu Aug 01, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7876

Re: Whole-house generators - Generac, Kohler, or Briggs?

whole house transfer switch (I forget what this means) It's an automatic switch that kicks in when the power goes out and causes your house to feed off your standby generator. When the power comes back on, the switch automatically causes your house to start feeding off the grid again. Here's a Cons...
by aquaman
Thu Aug 01, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7876

Re: Whole-house generators - Generac, Kohler, or Briggs?

OP, Are you completely sold on a fully automatic system? Do you need to run everything in your house simultaneously? I only ask because the route we went here in Southwest FL was having an interlock kit installed in our panel and we have a 50amp inlet box that we connect to a portable generator. It...
by aquaman
Wed Jul 31, 2019 8:37 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7876

Re: Whole-house generators - Generac, Kohler, or Briggs?

I’m thinking about getting another quote on a Briggs from another local dealer, since the first guy had to drop out. I suppose while I’m at it, I could also get another quote on a Kohler from a different dealer, since the first Kohler quote is so much higher than the others. I just don’t want this ...
by aquaman
Wed Jul 31, 2019 4:17 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7876

Re: Whole-house generators - Generac, Kohler, or Briggs?

The crux of my question is whether it's "worth" paying over $4k more for a Kohler that is otherwise expected to do the same job. (A) So far, the reasons identified here for paying more for the Kohler would include: Hydraulic valve lifters are more reliable and don't need adjusting Kohler is general...
by aquaman
Wed Jul 31, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7876

Re: Whole-house generators - Generac, Kohler, or Briggs?

The only tricky one was the low coolant fault on the kohler, which was solved when we changed out the sensor. (that one you can do yourself if you're at all handy.) I'm just curious, how large is your generator, as it is obviously liquid cooled. Mine is air cooled, and I thought that this is the ca...
by aquaman
Wed Jul 31, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7876

Re: Whole-house generators - Generac, Kohler, or Briggs?

My observations are that many of these gensets then need service early and often and there exists a huge demand for service right when many of these services folks have their own issues to deal with. Having backup genset is great but in real emergencies it is also important to know how to handle si...
by aquaman
Wed Jul 31, 2019 7:06 am
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7876

Re: Whole-house generators - Generac, Kohler, or Briggs?

House across the street from me had a 20kw Generac NG generator installed about 6 months ago. During scheduled start up etc, I can hear it very well in my house. Talked to the installer guy, Generac on his truck but does all brands, suggested for me to take a look at Briggs. I have not decided yet ...
by aquaman
Tue Jul 30, 2019 10:34 am
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7876

Re: Whole-house generators - Generac, Kohler, or Briggs?

Do you plan on moving? If so, would you even consider a portable generator? They can be had for under $1,000 and can move house to house. (12) 5 gallons cost $300,filled once a year and stored a shed. Dump in car if not used. Like other have said, natural gas can fail and leave you powerless. With ...
by aquaman
Tue Jul 30, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7876

Re: Whole-house generators - Generac, Kohler, or Briggs?

When you have long term outages getting any sorts of service for these gensets becomes problematic. In cased where you really want to have a secure backup it is important to know all areas of the machinery you have , have spares parts including oil changes, batts, solenoids etc and have the tools a...
by aquaman
Mon Jul 29, 2019 7:00 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7876

Re: Whole-house generators - Generac, Kohler, or Briggs?

Maintenance for mine will be $395 after the first year. Perhaps they have it confused with a Maserati :mrgreen: At least for my Briggs standby generator, I buy an OEM generator maintenance kit (https://www.amazon.com/gp/product/B000OAEM3W/ref=ppx_yo_dt_b_search_asin_title?ie=UTF8&psc=1) and then pa...
by aquaman
Mon Jul 29, 2019 5:50 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7876

Re: Whole-house generators - Generac, Kohler, or Briggs?

I've had our Briggs and Stratton standby generator with an automatic transfer switch and Symphony Power Management System for about a dozen years now. It is a natural gas powered one and has its famous Vanguard engine, which has never given us any trouble and has always performed flawlessly. Our nei...
by aquaman
Tue Jul 09, 2019 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a new car now or wait: what's the math say?
Replies: 57
Views: 5601

Re: Buy a new car now or wait: what's the math say?

ohai wrote:
Tue Jul 09, 2019 4:48 pm
Ok. Let's say you are correct. Can you show any data? I can make any claim too, but you don't know it's correct without evidence.
Sorry, I don't understand what you're asking. I just posted how you would go about obtaining the data yourself, which is the most accurate way of doing this.
by aquaman
Tue Jul 09, 2019 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a new car now or wait: what's the math say?
Replies: 57
Views: 5601

Re: Buy a new car now or wait: what's the math say?

Of course those numbers are not 100% accurate, but they do show a distinct trend that is most likely true. You might be able to find some special case - specific model year, extra attentive owner, tips and tricks, and so on - but you should probably still conclude that on average, the German cars a...
by aquaman
Tue Jul 09, 2019 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a new car now or wait: what's the math say?
Replies: 57
Views: 5601

Re: Buy a new car now or wait: what's the math say?

Why argue about cost of ownership when some companies have already quantified this for you? https://www.edmunds.com/bmw/3-series/2018/cost-to-own/#style=401729243 https://www.edmunds.com/acura/mdx/2019/cost-to-own/ https://www.edmunds.com/lexus/gs-350/2019/cost-to-own/ https://www.edmunds.com/lexus...
by aquaman
Tue Jul 09, 2019 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a new car now or wait: what's the math say?
Replies: 57
Views: 5601

Re: Buy a new car now or wait: what's the math say?

Sounds like you have been sold a very expensive bill of goods. I have owned/raced BMWs for a long time so trying to speak from direct experience. Excellent, so then why would you bring up an X5 or the brake costs, which you should know are not at all representative of the overall maintenance experi...
by aquaman
Tue Jul 09, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a new car now or wait: what's the math say?
Replies: 57
Views: 5601

Re: Buy a new car now or wait: what's the math say?

There is zero comparison when comparing like for like models that the German car GENERALLY and almost certainly will average higher repair costs. You make a broad statement, such as the one that I am quoting, and then give the example of a brake job on an X5 :confused Every brand and model has cert...
by aquaman
Tue Jul 09, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Buy a new car now or wait: what's the math say?
Replies: 57
Views: 5601

Re: Buy a new car now or wait: what's the math say?

The German cars will cost a lot more to maintain and likely insure (expensive to fix after an accident). This is a commonly repeated fallacy. In reality, there are plenty of German models that are actually extremely reliable and are pretty inexpensive to maintain. One of the reasons that the above ...
by aquaman
Fri Apr 12, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 9010

Re: Are Airport Lounges Worth the Money?

I'm a little surprised it only costs holding cards that cost annual fees around $300- $600. Many of my kid's sports/ dance stuff cost more then that. That cost seems pretty cheap to me if you spend more then 2-3x at an airport per year. It's a more complicated calculation than it seems. Premium cre...
by aquaman
Thu Apr 11, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 9010

Re: Are Airport Lounges Worth the Money?

It is a nice perk to have, and people working in the lounges can often help you better than people working the airline counters. This is only the case if you have access to the lounge of the airline that you are flying. If you are in another type of lounge, whether operated by a different carrier o...
by aquaman
Wed Apr 10, 2019 3:04 pm
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 9010

Re: Are Airport Lounges Worth the Money?

Best clubs Lufthansa in Frankfort; Qantas in Sydney & Melbourne; Emirates in Dubai, AC in Toronto; probably best Sin in Singapore and also good Hong Kong. These have showers, good selection of snacks including some hot buffets, wide selection of beverages, good wine. A number of airlines now run re...
by aquaman
Wed Apr 10, 2019 1:38 pm
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 9010

Re: Are Airport Lounges Worth the Money?

I'm no lounge expert but all of the domestic lounges I've been to at least have name brand spirits, Jack, Bacardi, Smirnoff, Beefeater, etc. Right, a low end college bar during happy hour :sharebeer Here's a link to Delta Sky Club's complimentary alcohol: https://www.delta.com/content/dam/delta-www...
by aquaman
Wed Apr 10, 2019 1:01 pm
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 9010

Re: Are Airport Lounges Worth the Money?

A basic lounge is worth about $30 to $40 per person per flight for me for drinks alone. Really? The free alcohol selection at a basic domestic lounge is typically what you'd find at a low end college bar during happy hour. It's there, but tends to be the bottom of the barrel. Independent lounges, e...
by aquaman
Wed Apr 10, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 9010

Re: Are Airport Lounges Worth the Money?

Well, well, well! I had NO idea about the restaurant credits for Priority Pass! Thanks! This might make a real difference, especially for domestic travel, if we want more than a "snack", which is what many Priority Pass lounges tend to offer. RM It is very location specific. There are only a few re...
by aquaman
Wed Apr 10, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 9010

Re: Are Airport Lounges Worth the Money?

Read an article online about how luxurious some airport lounges can be.....complimentary buffet, full bar, place to take a nap and shower, etc. Lounge access is limited to members of certain credit cards that carry very pricey annual fees ($550 or much higher), elite status with airlines or pay a h...
by aquaman
Thu Mar 28, 2019 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage!
Replies: 88
Views: 8031

Re: Paid off mortgage!

Having lived mortgage free for many years and gotten used to it, it's even more onerous to be a slave to a mortgage loan service company again. We have repeatedly had false alarms involving insurance payments not made on time, I have no control any more when the property taxes are paid (we always p...
by aquaman
Thu Mar 28, 2019 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage!
Replies: 88
Views: 8031

Re: Paid off mortgage!

The counter to this is that the person with no mortgage does not need to make a mortgage payment any longer, hence, their need for liquidity is less, often significantly. Of course, but they still need to be paying property taxes, insurance, repairs, maintenance and other things. You can certainly ...
by aquaman
Thu Mar 28, 2019 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage!
Replies: 88
Views: 8031

Re: Paid off mortgage!

For many people there is a peace of mind and change of outlook that comes with knowing you are free of that burden. Yup. There's something to be said for getting a paycheck and being able to actually keep all of it rather than being on the hook to have to turn around and give it to someone else. An...
by aquaman
Fri Mar 15, 2019 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance
Replies: 43
Views: 2724

Re: Life insurance

Thanks for explaining the differences in companies. I just talked to State Farm and you are correct they were like 2.5x - 3x the lowest prices I was seeing on term4sale.com :shock: I would stop trying to compare rates and start looking for a good independent agent. At this point, comparing rates is...
by aquaman
Fri Mar 15, 2019 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Life insurance
Replies: 43
Views: 2724

Re: Life insurance

So I went on term4sale and put in my specifics (location, age, health, etc) and created a data set comparing insurance amounts, premiums, and term lengths. I pulled the lowest quote for each combination of insurance amount and term length (I realize price isn't the only factor per previous comments...
by aquaman
Fri Mar 15, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Life insurance
Replies: 43
Views: 2724

Re: Life insurance

Correct. Neither Amica or SF will be on term4sale. You will have to go through your agent to get a quote for SF. Amica is a direct writer, meaning they don't have agents (and thus don't have to pay agents commissions) so you would get a quote on their website and they'll call you, or just call them...
by aquaman
Tue Mar 12, 2019 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Airline travel and economy: pay $$ to pick seats
Replies: 116
Views: 8298

Re: Airline travel and economy: pay $$ to pick seats

Gosh. I really like Southwest Airlines. Everything is up front. If you want seat selection, you purchase early boarding for a few bucks. Your group walks in, you sit down together. Easy. gasdoc Same here. I set my alarm for check in. I haven't paid yet. I've even got early "C" boarding & the three ...
by aquaman
Mon Mar 11, 2019 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Airline travel and economy: pay $$ to pick seats
Replies: 116
Views: 8298

Re: Airline travel and economy: pay $$ to pick seats

Gosh. I really like Southwest Airlines. Everything is up front. If you want seat selection, you purchase early boarding for a few bucks. Your group walks in, you sit down together. Easy. gasdoc Same here. I set my alarm for check in. I haven't paid yet. I've even got early "C" boarding & the three ...
by aquaman
Mon Mar 11, 2019 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Airline travel and economy: pay $$ to pick seats
Replies: 116
Views: 8298

Re: Airline travel and economy: pay $$ to pick seats

Just read that if you have certain Delta credit cards, you get priority one boarding (or whatever its called when you have first priority). You dont need to pay with that card, just have it at check in....wondering if I should consider this. It would be too late for me to use their airline miles bo...
by aquaman
Sat Mar 09, 2019 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Airline travel and economy: pay $$ to pick seats
Replies: 116
Views: 8298

Re: Airline travel and economy: pay $$ to pick seats

The flights I mentioned where completely full. We still didn't have any problems getting seats together. The gate agents seem to work hard to get families together. As I said, there's no guarantee but in all of our flights, we've always had at least two seats together. YMMV but I wouldn't pay a lot...
by aquaman
Sat Mar 09, 2019 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Airline travel and economy: pay $$ to pick seats
Replies: 116
Views: 8298

Re: Airline travel and economy: pay $$ to pick seats

The very last leg, my son and I sat together and my DW and daughter sat a few seats in front of us. Again, check in as soon as you can to the 24 hour window (set your alarm). If you don't get seats together then, call in to request seats together. If you still don't get them, show up 1 hr early to ...