Search found 514 matches

by hornet96
Thu Nov 14, 2019 12:59 pm
Forum: Forum Issues and Administration
Topic: Error in the Wiki?
Replies: 8
Views: 521

Re: Error in the Wiki?

P.S. - I agree with tadamsmar. While the wiki statement is true, it could easily be misinterpreted to think that if you gift $1 over the annual exclusion limit, that you will owe tax on it. That is not necessarily true, due to the lifetime exemption which he correctly points out.
by hornet96
Thu Nov 14, 2019 12:56 pm
Forum: Forum Issues and Administration
Topic: Error in the Wiki?
Replies: 8
Views: 521

Re: Error in the Wiki?

I see what you are saying. But it is a true statement. Giving more than 14k does trigger a gift tax. Common misconception. Giving more than $14K (now $15K) triggers the need to file a gift tax return (Form 709), but may not result in any actual gift tax due. https://turbotax.intuit.com/tax-tips/est...
by hornet96
Sun Nov 10, 2019 11:12 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11095

Re: Saving seats on Southwest

When I checked it 24 hours ahead of my Portland departure I was also able to check in about 22 hours before my Denver departure. That wouldn’t be unusual since it’s less than 24 hours in advance. I think in your example you meant to say something greater than 24 hours? I have done that as well with...
by hornet96
Sun Nov 10, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11095

Re: Saving seats on Southwest

How about the couples that choose the two aisle seats across from each other, hogging both 3 seat groups? Spouse and I book aisle seats across from each other all the time as we both prefer the aisle. Our consciences are clear. :D Booking is different than taking on SWA. No, it isn’t. You are assum...
by hornet96
Tue Nov 05, 2019 11:36 am
Forum: Forum Issues and Administration
Topic: [Admin] tinypic (picture hosting) website is gone
Replies: 16
Views: 1608

Re: [Admin] tinypic (picture hosting) website is gone

3. Bogleheads might consider hosting some of the jpgs themselves as they do for jpgs referenced in wiki pages. (At least the wiki is safe at this time.) This is really the right answer, if the fundamental intent of this site and its owner is to preserve the historical integrity of the posts for fut...
by hornet96
Mon Oct 14, 2019 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: [Vanguard glitch] Your brokerage Consolidated Form 1099 is now available
Replies: 40
Views: 2049

Re: Your brokerage Consolidated Form 1099 is now available

I got a notice saying "your transaction confirmation is ready," about a week ago, when I knew I had not requested any such transactions recently. Panicked, I immediately logged in, only to find a confirmation of some revised cost basis information for sell transactions from..... 2013 . :shock: I hav...
by hornet96
Sun Sep 08, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Costco washer/dryer delivery: tipping?
Replies: 54
Views: 4218

Re: Costco washer/dryer delivery: tipping?

Why are some of you going out of your way to perpetuate this ridiculous culture of tipping? I’m an American and have always been one, and I hate this cultural practice. It’s so stupid! Making people do math in sometimes stressful and often hurried situations, making people constantly second guess a...
by hornet96
Fri Sep 06, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: Did I commit a tipping faux pas?
Replies: 99
Views: 11287

Re: Did I commit a tipping faux pas?

Another way, is to understand the US is a highly competitive, capitalist country with few regulations but with unwritten rules about helping others. .... So, the implication is that your mover is probably not laughing his way to the bank thanks to his wage including tips. It means that people with ...
by hornet96
Fri Sep 06, 2019 5:56 am
Forum: Personal Consumer Issues
Topic: Did I commit a tipping faux pas?
Replies: 99
Views: 11287

Re: Did I commit a tipping faux pas?

Just as an addendum, tipping protocol isn’t unrelated to the financial circumstances of the tipper. If the tipper needs to watch every penny, then by all means, be a “Scrooge” when it comes to gratuities—not “don’t tip,” but cut it fine, because one must. If the tipper is in better shape financiall...
by hornet96
Thu Sep 05, 2019 12:40 pm
Forum: Investing - Theory, News & General
Topic: Index Funds Bubble? [Michael Burry article]
Replies: 242
Views: 27935

Re: Everyone here has misunderstood the Michael Burry article

There is a long thread here: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=289284 about Michael Burry's statements with regards to an index fund bubble and comparing index funds to CDOs. I think almost everyone here has entirely missed his point. I thought explaining it would be educational...
by hornet96
Wed Sep 04, 2019 3:38 pm
Forum: Investing - Theory, News & General
Topic: Index Funds Bubble? [Michael Burry article]
Replies: 242
Views: 27935

Re: The Big Short's Michael Burry on why index funds are like subprime CDOs - why is he wrong?

But I do not think market misjudging the stock market prices are really comparable to the incredible fraud that subprime CDOs did. I was thinking something along these lines earlier. The issue with the subprime CDO crisis was that there were huge tranches of toxic paper that were marketed as AAA se...
by hornet96
Wed Aug 21, 2019 3:47 pm
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 233
Views: 20866

Re: 2019 Hedge Fund Contest

The ride continues... 5th place at 48% gain. Gonna be hard to beat "up in smoke" at this point, tho! Hornet96 still has a great shot! The NVAX short was getting uncomfortably close for a few weeks there. I was starting to regret not letting INSY go all the way to zero. Good luck to all trying to ca...
by hornet96
Thu Aug 15, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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

+1. Also remember the generator paradox. That being, as soon as you buy one and install it you will experience the longest period of perfect uninterrupted power you have ever seen and it will make you question why the heck you bought a generator. Have faith though...after a year or two there will b...
by hornet96
Thu Aug 15, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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

Just thought I'd update my post with some additional details and to note my final decision, which was to go with the Kohler unit. How did I come to this conclusion? I sent a note to the Kohler sales tech, to get a more detailed line-item breakout. In doing so, he realized that he had included the wr...
by hornet96
Mon Aug 12, 2019 7:59 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 17177

Re: [Vanguard price glitches, incorrect market info for August 12, 2019]

I’m wondering if this had something to do with it: https://www.cnbc.com/2019/08/12/a-trading-issue-impacted-us-stock-quotes-late-in-the-day-as-dow-flatlined-into-the-close.html The New York Stock Exchange said Monday evening that it “continues to experience delays” in the publishing of trades and cl...
by hornet96
Thu Aug 08, 2019 10:27 am
Forum: Personal Investments
Topic: E-Trade Sold VUSXX @ $0.99998
Replies: 10
Views: 2053

Re: E-Trade Sold VUSXX @ $0.99998

Could this be the effect of allowing MM's to float away from $1.00 per share? No. The fund in question is a treasury-only money market fund, that is not subject to the gates or redemption fees that can be imposed on "retail" (Prime) money market funds. As such, it is supposed to only transact at a ...
by hornet96
Tue Aug 06, 2019 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 486
Views: 49822

Re: Selling home- Demanding Buyer (Repairs)

Maybe I am snake bit from last time, and I could be wrong, but it seems too easy for buyer to walk and still get their earnest money back. For example, lets say buyer puts down $10k earnest money Do inspection, inspection comes back saying roof has a leak. Buyer asks for new roof. Seller says no, b...
by hornet96
Tue Aug 06, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 486
Views: 49822

Re: Selling home- Demanding Buyer (Repairs)

Not challenging, but just trying to see if their is another solution where or a strong clause that holds the buyers feet to the fire to go through with the purchase of the house. The last thing we want to do is tie up our house again and have a buyer not perform. One possibly would be to have a law...
by hornet96
Tue Aug 06, 2019 5:42 am
Forum: Personal Investments
Topic: Thumbs up to VG during market drop
Replies: 1
Views: 999

Re: Thumbs up to VG during market drop

I logged in a few times yesterday afternoon and did execute a small nibble buy at near closing time. No delay like has happened in the past. Maybe some systems did receive an upgrade as advertised a while back. Anyway, glad to see no issues for me, hope everyone experienced the same. If we complain...
by hornet96
Sat Aug 03, 2019 7:30 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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

Has anyone considered an inverter generator in this mix? I looked around but haven't found many in use or the cost difference. Comments. There are several threads about investor generators if you search for them. I kindly request that you start your own thread rather than hijacking mine. Thank you....
by hornet96
Fri Aug 02, 2019 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 486
Views: 49822

Re: Selling home- Demanding Buyer (Repairs)

Not yet. I just did the seed and straw today. The challenge might be that the dirt was pretty hard. Will the seeds even grow on hard dirt like that? I think I will put in a sprinkler system. Unfortunately that will mean I will probably have to come up and move the sprinkler every few days. The seed...
by hornet96
Fri Aug 02, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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

Has anyone considered an inverter generator in this mix? I looked around but haven't found many in use or the cost difference. Comments. There are several threads about investor generators if you search for them. I kindly request that you start your own thread rather than hijacking mine. Thank you.
by hornet96
Fri Aug 02, 2019 7:25 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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

Thanks for your thoughts Elixir. To be honest, most of our house runs on gas (e.g. gas furnace, gas water heater, gas oven, etc.), so really our load demand isn't huge. In that case, make sure that your gas service is big enough to run all of those gas appliances and the generator when the generato...
by hornet96
Fri Aug 02, 2019 3:38 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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

Definitely see a theme that has emerged in this thread. I just need to decide if paying a premium for the Kohler engine is worth it.... Have you tried calling the Kohler dealer to discuss the quote? Perhaps they will reduce the price to secure your order. Or maybe you’ll find out the Kohler quote i...
by hornet96
Fri Aug 02, 2019 12:45 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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

All alternators in that size range come from China. Kohler builds theirs in a Kohler-owned factory, using their US engineering team, in a plant outside Shanghai. I’ve been in it. Cummins uses Zongshen Chinese engines in that size range. Generac generally uses RATO Chinese Engines. Briggs doesn’t ev...
by hornet96
Fri Aug 02, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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 hornet96
Fri Aug 02, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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

Excellent details. I'm sure this will be helpful to others considering standby generators. I figured that your Kohler quote either included additional equipment/services, or the Kohler contractor was just charging a lot more for labor. If the specs are otherwise about the same, the hardware pricing...
by hornet96
Fri Aug 02, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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

The OP's installation quotes look high, but are not in a $10K range. For instance, his Generac quote suggests that the installation would run somewhere in the $6K range (if it includes a load shedding module, which is not clear, then the installation quote is lower). It still looks high, but these ...
by hornet96
Wed Jul 31, 2019 5:55 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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

^^^^^Thanks aquaman, I fixed the quoting in my earlier post (my bad!) You raise a lot of great points, most of which are the very things that give me pause in ponying up an extra 40% for this luxury item. I do live in a large metro/serviceable area, so that issue shouldn’t be too much of a concern. ...
by hornet96
Wed Jul 31, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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

I do not quite understand the point of paying substantially more for a particular brand with otherwise very similar specs, as their real world performance is likely to end up being very similar, if not identical. [emphasis added in bold] This is the very purpose of my OP. :sharebeer The crux of my ...
by hornet96
Wed Jul 31, 2019 9:24 am
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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

Buying a larger genset like these it is important to take into consideration who will supply parts and fix it when it is required. If the best genset 'brand' has little or no maintenance representation in your immediate area it has limited value - you cannot take the genset to them they need to com...
by hornet96
Wed Jul 31, 2019 8:51 am
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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 hornet96
Wed Jul 31, 2019 8:34 am
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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

You're not considering noise levels. Anything sold by Home Depot will be the most discussed. My assumption is always that any item sold there in quantity is unlikely to be the best available. Sometimes that matters, sometimes it doesn't. I haven't discussed noise levels much, but yes, it is a consi...
by hornet96
Wed Jul 31, 2019 8:21 am
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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

Engines for Generac are made in China for that size. You have to adjust solid lifters. That's what I thought. Perhaps he just meant to say that the lifters are checked but that they don't really ever need to actually be adjusted? That would seem to contradict what everyone else says about them. Tha...
by hornet96
Tue Jul 30, 2019 4:42 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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

Just a quick update - I emailed the Generac contractor with the questions in black text below; his answers follow in red text: *Is the 16kw unit actually rated for 16kw on natural gas? The spec sheet shows 16kw for both Propane and NG, which seems odd since on the larger units, the kw output is redu...
by hornet96
Tue Jul 30, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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

We have had a 20kw Kohler for about 3 years in the same metro area that you are in. I do all the maintenance myself with the Kohler annual maintenance kits sourced online (oil, oil filter, spark plugs and air filter). I keep 3-4 of them on hand for reasons the others posted up-thread (prolonged out...
by hornet96
Tue Jul 30, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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

We have above ground and while easier to knock down, it's also easier to located and fix vs underground lines. Plus they pose a risk to people so quickly fixed. I would also argue the opposite, based on very recent experience from a couple of months ago. It took the power company two days to clear ...
by hornet96
Tue Jul 30, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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 hornet96
Mon Jul 29, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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

Just wanted to thank everyone for your responses so far. I knew I could count on the Bogleheads for good, straightforward feedback! It's somewhat important, IMO, to be able to troubleshoot basic operations and reset fault codes yourself. I couldn’t agree more. I am definitely the type that wants to ...
by hornet96
Mon Jul 29, 2019 6:17 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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

9liner wrote:
Mon Jul 29, 2019 6:09 pm

Do you plan on paying for a service contract?
Probably, just to be safe. I can certainly do most of the basic maintenance myself as well (oil changes and the like), but this is one of those items that you want to know has been serviced properly, so it’s absolutely ready to work when needed.
by hornet96
Mon Jul 29, 2019 6:14 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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

We're in southern New Hampshire, just north of Boston. After researching Kohler and Genrac, we installed a 14KW Kohler with load shedding circuitry and transfer panel for $7500 in 2016. One of the things that attracted me to Kohler is the fact that they make their own engines. Also, the constructio...
by hornet96
Mon Jul 29, 2019 6:09 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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

Generac generators produced over the past 3 years are not the quality of the older ones. While I will not go into the many issues I've had, the most frustrating aspect of the matter is Generac Customer Service, or lack thereof. Thanks for your feedback; this is exactly the kind of thing I was wonde...
by hornet96
Mon Jul 29, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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

I had a Koehler 20kw natural gas at our old house that was dependable and quiet. I bought a house with a Generac 8kw propane generator that is undependable and loud. The last thing you want to do when it’s polar vortex time is repeatedly try to get the generator cranking; it does eventually start. ...
by hornet96
Mon Jul 29, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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

umfan11244 wrote:
Mon Jul 29, 2019 2:22 pm
Is there a reason you're not looking at Cummins?
Not necessarily. I've gotten three quotes so far but am open to other suggestions if there is a compelling price/value reason to do so.
by hornet96
Mon Jul 29, 2019 12:53 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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

Are the more expensive Kohler quotes “apples-to-apples” with the other quotes? As far as I can tell, yes. Both the Generac and Kohler quotes are “turn key” installations (they basically handle everything and the systems look comparable to me). The Briggs quote more or less is also turn key as far a...
by hornet96
Mon Jul 29, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7573

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

I know there have been plenty of posts in recent years about whole-house generators, and I have read through most of them. To summarize, we are looking at getting one installed after having several multiple-day power outages on my street in the last two years, and were just informed my the power com...
by hornet96
Mon Jun 24, 2019 6:15 am
Forum: Forum Issues and Administration
Topic: I am rejecting from reading a post
Replies: 11
Views: 2664

Re: I am rejecting from reading a post

To avoid this kind of confusion for newer forum participants, it would be nice if the message would say something like “This forum has been removed by a moderator” or something like that. “You are not authorized” makes it sound like you are trying to do something nefarious by getting into something ...
by hornet96
Tue Jun 11, 2019 10:00 am
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 233
Views: 20866

Re: 2019 Hedge Fund Contest

The Up in Smoke fund is now right on the heels my my first place Shortcut Fund, which certainly makes the contest interesting heading into the second half of the year! And just like that, Up in Smoke has moved into 1st place as of the moment. :shock: The Shortcut Fund managers still have their work...
by hornet96
Tue Jun 11, 2019 9:04 am
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 233
Views: 20866

Re: 2019 Hedge Fund Contest

Congrats to the "Up in Smoke" fund, managed by aristotelian, with his lone short pick, which filed for bankruptcy due to its role in the opioid crisis. https://www.marketwatch.com/story/insys-files-for-bankruptcy-stock-plunges-toward-record-low-2019-06-10?siteid=yhoof2&yptr=yahoo The Up in Smoke fun...
by hornet96
Wed May 29, 2019 11:41 am
Forum: Investing - Theory, News & General
Topic: Data mining for distributions from EDGAR, the SEC filling database
Replies: 8
Views: 895

Re: Data mining for distributions from EDGAR, the SEC filling database

@LadyGeek, in case it's helpful, I found a GitHub repository that was setup with scripts to pull data from EDGAR. I obviously don't know whether it works very well (or for mutual funds very well), or if the scripts are even safe, but I have recently started learning about GitHub in my infancy of lea...