Search found 336 matches

by SC Anteater
Tue Sep 08, 2020 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America free payroll service (in CA)
Replies: 17
Views: 1189

Re: Bank of America free payroll service (in CA)

fyre4ce wrote: Tue Sep 08, 2020 4:16 pm
SC Anteater wrote: Sun Sep 06, 2020 2:02 am Federal is the form 941, so take a look at the IRS instructions for that form to get the details. And W2s, of course.

Both federal and state can be submitted online, which makes it pretty easy to do.
I believe Form 940 is required too, no?
Yes, that form is filed annually in January.
by SC Anteater
Sun Sep 06, 2020 2:02 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America free payroll service (in CA)
Replies: 17
Views: 1189

Re: Bank of America free payroll service (in CA)

Federal is the form 941, so take a look at the IRS instructions for that form to get the details. And W2s, of course.

Both federal and state can be submitted online, which makes it pretty easy to do.
by SC Anteater
Sat Sep 05, 2020 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America free payroll service (in CA)
Replies: 17
Views: 1189

Re: Bank of America free payroll service (in CA)

I worked for a small business with 4 employees and did payroll manually for years. It's pretty easy. If BofA is doing the Quarterly federal 941s all you need to do is quarterly filings to CA EDD. For one employee it will be a piece of cake. Thanks. Are there any resources you can point me to that l...
by SC Anteater
Sat Sep 05, 2020 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America free payroll service (in CA)
Replies: 17
Views: 1189

Re: Bank of America free payroll service (in CA)

I worked for a small business with 4 employees and did payroll manually for years. It's pretty easy. If BofA is doing the Quarterly federal 941s all you need to do is quarterly filings to CA EDD. For one employee it will be a piece of cake. Thanks. Are there any resources you can point me to that l...
by SC Anteater
Sat Sep 05, 2020 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home at a loss
Replies: 55
Views: 5982

Re: Selling home at a loss

Curious where in the Bay prices have actually declined, because that is definitely not the case in my hood. Have you looked on Redfin for recent sales to see if you actually have lost money? Have you talked to a local agent and gotten an idea on listing price?
by SC Anteater
Sat Sep 05, 2020 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America free payroll service (in CA)
Replies: 17
Views: 1189

Re: Bank of America free payroll service (in CA)

I worked for a small business with 4 employees and did payroll manually for years. It's pretty easy. If BofA is doing the Quarterly federal 941s all you need to do is quarterly filings to CA EDD. For one employee it will be a piece of cake.
by SC Anteater
Thu Sep 03, 2020 2:08 pm
Forum: Personal Investments
Topic: By what time should I place my stock buy order today?
Replies: 6
Views: 922

Re: What time should I buy stock today?

Now? There's only an hour until close.
by SC Anteater
Sun Aug 30, 2020 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 571
Views: 87577

Re: Losing a job in your 50's...

Keep in mind, the Propublica data in the original posting indicates 58% of people have unplanned employment disruptions after 50. I think they said it is true for both genders, across all industries. And fully 90% never earned their pre-disruption salary again. And they were looking mainly at peopl...
by SC Anteater
Sat Aug 29, 2020 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy? Cabin advice
Replies: 61
Views: 6436

Re: Am I crazy? Cabin advice

I was not expecting a $600K cabin when I read the post title. Since your kids are young they may not have a lot of activities yet. As they get older your afternoons, evenings and weekends will be sports, recitals, scouts, birthday parties, and other events that are important to them. You and your s...
by SC Anteater
Thu Aug 06, 2020 10:03 pm
Forum: Personal Consumer Issues
Topic: New Washing Machine
Replies: 18
Views: 1677

Re: New Washing Machine

I got a Speed Queen. The reviews are mixed, but I'm happy. Lowe's and HomeDepot don't carry them; I had to go to an appliance store. I think it cleans very well. Mine is four years old, a full load takes 33 minutes. There are water saver features or if you want, you can just let it fill up to rinse...
by SC Anteater
Mon Aug 03, 2020 8:54 pm
Forum: Personal Consumer Issues
Topic: Cyclists...where are you getting your masks?
Replies: 65
Views: 5656

Re: Cyclists...where are you getting your masks?

I like the De Soto skin cooler buffs (and mask - I wear the mask all the time and don't get too hot, even while walking): https://www.desotosport.com/collections/protective-wear eta -- I'm also a cyclist, but don't wear a mask -- I'm never within 6 feet of people on my rides. I do stuff one in my po...
by SC Anteater
Mon Jul 06, 2020 12:43 am
Forum: Personal Consumer Issues
Topic: Best $10k car for me?
Replies: 32
Views: 2256

Re: Best $10k car for me?

Older Lexus RX300s can be had for cheap and check off a lot of the boxes. I'd echo the idea that maybe you swap vehicles when you need to move the bike and you can get a sedan, but if that's a big part of your lifestyle, maybe that's not something you can do. A/C is a big deal where I live in the S...
by SC Anteater
Tue Jun 16, 2020 12:22 am
Forum: Personal Consumer Issues
Topic: Car Issues - No Oil
Replies: 89
Views: 6431

Re: Car Issues - No Oil

Just wanted to give an update. The old beast isn't dead yet. New battery, new alternator, oil change. Lot of money to repair but cheaper than a new car. Unless you are in financially dire straits I would say you were better buying a new car. How much did you spent on a new battery + alternator+ oil...
by SC Anteater
Sun Jun 14, 2020 4:35 pm
Forum: Personal Consumer Issues
Topic: Undergrad college list parameters.
Replies: 100
Views: 4374

Re: Undergrad college list parameters.

This is a bit OT, but if your parents insist on you becoming a lawyer, but don't pay for you to become an engineer, that's pretty terrible parenting. If nothing else, trying to get you into a workaholic life instead of normal 9-to-5 against your wishes. My father did pay for an expensive customized...
by SC Anteater
Sun Jun 14, 2020 2:12 pm
Forum: Personal Consumer Issues
Topic: Car Issues - No Oil
Replies: 89
Views: 6431

Re: Car Issues - No Oil

Just wanted to give an update. The old beast isn't dead yet. New battery, new alternator, oil change. Lot of money to repair but cheaper than a new car.
by SC Anteater
Sat May 30, 2020 2:39 pm
Forum: Personal Consumer Issues
Topic: Necessary to clean the clothes dryer? How? Ticks?
Replies: 17
Views: 1427

Re: Necessary to clean the clothes dryer? How? Ticks?

I appreciate everyone's thoughts ... here is an example of an article from AARP which advises putting clothes straight into the dryer and then wash them .... https://blog.aarp.org/healthy-living/to-kill-ticks-dry-clothes-then-wash-them .... but practically speaking how do we or anyone manage this a...
by SC Anteater
Sat May 30, 2020 12:43 am
Forum: Personal Consumer Issues
Topic: Car Issues - No Oil
Replies: 89
Views: 6431

Re: Car Issues - No Oil

Well, he tried to take it out and it died at the end of the street again. I'm guessing that's bad news. Not all hope is lost! (If you know...) How did it die? Quick, like flipping a switch? (electrical/fuel) Or slow & noisy & painful? (mechanical breakdown) Quick. I'm guessing alternator.
by SC Anteater
Fri May 29, 2020 8:23 pm
Forum: Personal Consumer Issues
Topic: Car Issues - No Oil
Replies: 89
Views: 6431

Re: Car Issues - No Oil

Likely shutoff due to low oil - A sort of self preservation mechanism. Not all engines/makes/models do this. Works out very well in this case. The car is a tool; not an investment. Add oil and continue to keep it another ten years or until petroleum becomes illegal. :D Unfortunately we added oil an...
by SC Anteater
Fri May 29, 2020 8:08 pm
Forum: Personal Consumer Issues
Topic: Car Issues - No Oil
Replies: 89
Views: 6431

Re: Car Issues - No Oil

Well, he tried to take it out and it died at the end of the street again. I'm guessing that's bad news. It probably means the low oil and the stalling were unrelated, so likely good news. Not the best news, of course, because something is wrong. First thing I'd do is plug in a code reader and see i...
by SC Anteater
Fri May 29, 2020 7:54 pm
Forum: Personal Consumer Issues
Topic: Car Issues - No Oil
Replies: 89
Views: 6431

Re: Car Issues - No Oil

Well, he tried to take it out and it died at the end of the street again. I'm guessing that's bad news.
by SC Anteater
Thu May 28, 2020 11:56 pm
Forum: Personal Consumer Issues
Topic: Car Issues - No Oil
Replies: 89
Views: 6431

Re: Car Issues - No Oil

Spend (gamble) the $30-$80 on an oil change & roll the dice. If you try to sell now, any disastrous problems would show up quickly anyways. So you're unlikely going to be able to "dump it" before it self-destructs. And that's kinda a "meanie weanie" to do. One of my cars also burns oil. It gotten t...
by SC Anteater
Thu May 28, 2020 11:56 pm
Forum: Personal Consumer Issues
Topic: Car Issues - No Oil
Replies: 89
Views: 6431

Re: Car Issues - No Oil

I did something way worse. Back when I was younger leaving work at midnight was normal. My car had a small leak (Mazda with Ford engine, POS) very expensive to repair and every month or so I had to a add a quart of oil. One night I added oil in the company parking lot, slammed the hood and started ...
by SC Anteater
Thu May 28, 2020 11:55 pm
Forum: Personal Consumer Issues
Topic: Car Issues - No Oil
Replies: 89
Views: 6431

Re: Car Issues - No Oil

No leak, it just burns oil. Volvo specialist mechanic hasn't found anything wrong with it re oil. Hard to believe it was empty for 2 months, and there wasn't a leak. That would mean it was driven a while while low to empty before this adventure. How much oil was added? Some cars normally burn 1 qua...
by SC Anteater
Thu May 28, 2020 11:08 pm
Forum: Personal Consumer Issues
Topic: Car Issues - No Oil
Replies: 89
Views: 6431

Re: Car Issues - No Oil

A mechanic can do a compression test and will know what bad main bearings sounds like, but the engine might have poor compression in some of the cylinders before this happened. Honestly if the car drives fine, you may have gotten lucky. There may have been some oil left that was being picked up by ...
by SC Anteater
Thu May 28, 2020 10:51 pm
Forum: Personal Consumer Issues
Topic: Car Issues - No Oil
Replies: 89
Views: 6431

Re: Car Issues - No Oil

Thanks - you guys give me hope! I don't know how it was going into the driveway, but we'll check it out in the morning. DH is too distraught to think about it tonight.
by SC Anteater
Thu May 28, 2020 10:40 pm
Forum: Personal Consumer Issues
Topic: Car Issues - No Oil
Replies: 89
Views: 6431

Car Issues - No Oil

We have a 2006 Volvo S40. It has drunk oil for at least 10 years, so we're always putting oil in it. Well, we're driving a whole lot less in the last 2 months, and it's been 100 degrees, and DH apparently forgot to keep tabs on the oil -- he drove off tonight and the car died after a block (he didn'...
by SC Anteater
Sun Apr 26, 2020 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Payoff house and quit good-paying job?
Replies: 112
Views: 8326

Re: Payoff house and quit good-paying job?

Have you worked in jobs like the zoos or theme park jobs you're dreaming of? Having patrons irrationally yell at you for things you can't control? Having your schedule and even the number of hours you work each week change weekly with no advance notice? Those jobs suck.
by SC Anteater
Sat Apr 18, 2020 11:39 pm
Forum: Personal Consumer Issues
Topic: Best Way to Watch British Mystery Shows
Replies: 86
Views: 7000

Re: Best Way to Watch British Mystery Shows

Lots of my favorites on here. Loved Shetland. There's also Vera, based on books by the same author. I also like Line of Duty, available on Hulu.
by SC Anteater
Wed Apr 15, 2020 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Help us save more money on a monthly basis.
Replies: 50
Views: 3432

Re: Help us save more money on a monthly basis.

Also, here's a tip on yard care -- it really doesn't need to be blown weekly. We don't have a gardener. It takes about 15 minutes to mow the lawn (typical suburban front lawn, we don't have lawn in the back). That's it. The typical mow and blow guys don't do any actual plant care anyways.
by SC Anteater
Wed Apr 15, 2020 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Help us save more money on a monthly basis.
Replies: 50
Views: 3432

Re: Help us save more money on a monthly basis.

If you think you should be saving $3K a month, why not try the old 'pay yourself first' method -- put 3K a month into savings and then live off the balance. Rather than trying to find places to trim (which is hard, because you want to do all the things you're normally doing), take that money right o...
by SC Anteater
Wed Apr 15, 2020 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Traditional IRA holding period
Replies: 2
Views: 143

Re: Traditional IRA holding period

80 year old inlaws' business made more money than expected in 2019, so there are a lot of taxes due. Can they fund a traditional IRA for both of them ($14K total) for 2019 to reduce taxable income? And, how soon can they access that money they've contributed to it? I know Roth is 5 years, but what ...
by SC Anteater
Wed Apr 15, 2020 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 14308

Re: How many paid for kids' college?

In reading another thread, I was actually quite surprised at the number of respondents who said they were paying or did pay for their kids' college/grad school education, and it sounded like it was outside of 529 plans. My parents are pretty well off and contributed some money to mine but I still h...
by SC Anteater
Wed Apr 15, 2020 11:30 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25401

Re: IRS Get My Payment up and running

Svensk Anga wrote: Wed Apr 15, 2020 9:49 am I got something like "unable to determine eligibility". They have had my 2018 return for over a year and it clearly qualifies.

We have to file with an identity protection PIN. I wonder if this could be blocking access?
That could be. I got the same result and do have a PIN.
by SC Anteater
Wed Apr 15, 2020 11:18 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29445

Re: Report when you receive your stimulus check here

Just checked the IRS website. It said the following “Payment status not available” I guess that means I don’t qualify. I got the same message, and I'm pretty certain I qualify. So keep checking till the message is more definitive. I also got this. We owed for 2018, haven't filed for 2019. We're eli...
by SC Anteater
Wed Apr 15, 2020 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Traditional IRA holding period
Replies: 2
Views: 143

Traditional IRA holding period

80 year old inlaws' business made more money than expected in 2019, so there are a lot of taxes due. Can they fund a traditional IRA for both of them ($14K total) for 2019 to reduce taxable income? And, how soon can they access that money they've contributed to it? I know Roth is 5 years, but what a...
by SC Anteater
Sat Apr 11, 2020 8:36 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 77022

Re: Bogleheads community discussion - Coronavirus

If you're interested in reading a thread that includes several medical voices, this one is interesting. What's most interesting is how the knowledge of the disease has changed even in the short few days it's been active (note discussion of blood problems -- coagulation -- causing many of the most se...
by SC Anteater
Mon Mar 30, 2020 2:40 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 196551

Re: Bogleheads community discussion - Coronavirus

It's clear that the number of deaths is no longer increasing exponentially, either globally or in any major countries. I just don't think anyone can reasonably hang on to that framework. Within the next few days, the debate will likely turn to whether deaths have peaked. I believe the USA and Europ...
by SC Anteater
Mon Mar 30, 2020 12:46 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 196551

Re: Bogleheads community discussion - Coronavirus

There have been 11,591 deaths so far in Italy. If the number of deaths per day in Italy peaked already, we might expect deaths from this point forward to double or less. If it doubles, we are looking at a total of about 23,000 deaths in Italy. The US population is about 5.5 times Italy's so we can ...
by SC Anteater
Mon Mar 30, 2020 12:35 pm
Forum: Personal Consumer Issues
Topic: New Washing Machine
Replies: 18
Views: 1677

Re: New Washing Machine

Why not LOOK to see where it's leaking? If no obvious fix- if I had to buy a washer- I would buy a middle-of-the range machine that was not a Samsung or LG. By the way- I had never heard of Speed Queen- and I read some and decided that I didn't need to buy one. We have looked, no obvious source. Ha...
by SC Anteater
Mon Mar 30, 2020 11:15 am
Forum: Personal Consumer Issues
Topic: New Washing Machine
Replies: 18
Views: 1677

New Washing Machine

My 23 year old Maytag washing machine has started leaking from an unknown source (sadness). Help me buy a new one -- I don't need any fancy bells and whistles, just something that cleans clothes efficiently and will last a long time. I think I want a top loader, despite the water use. What brand sho...
by SC Anteater
Mon Mar 30, 2020 10:29 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 196551

Re: Bogleheads community discussion - Coronavirus

I just find it curious that when deaths doubled in a day it was headline news. When they drop by half you have to dig deep to even find out it happened. It hasn't been about news for a long time, it is now about clicks and ratings. Name one "reporter" that is trusted 1% of what Walter Cronkite was....
by SC Anteater
Sun Mar 29, 2020 11:53 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 196551

Re: Bogleheads community discussion - Coronavirus

I'd really like an antibody test. I was sick mid-Feb. with something that started first with a cough, which most things don't. Was dry at first but then turned productive. Fever for about 3 days, malaise, even had the screwed up eyes took about 2 weeks for the cough to go away and was worst lying do...
by SC Anteater
Fri Mar 27, 2020 5:30 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 196551

Re: Bogleheads community discussion - Coronavirus

I read elsewhere that somewhere between 70% and 86% of patients who are bad enough to end up on ventilators die. Even if we do get every manufacturer in the country to make ventilators it doesn't sound like it's going to do much good.
by SC Anteater
Fri Mar 27, 2020 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus Payment
Replies: 3
Views: 1012

Re: Stimulus Payment

bumping before it falls off the page . . .
by SC Anteater
Fri Mar 27, 2020 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: CV-19 Stimulus Bill Relief Pkg USA
Replies: 9
Views: 1546

Re: CV-19 Stimulus Bill Relief Pkg USA

I'm posting here because my thread got locked:

Can I hurry up and file a 2019 tax return now, or now that the bill is signed it's based on whatever you've done as of today -- 2018 if you haven't filed, 2019 if you have?
by SC Anteater
Fri Mar 27, 2020 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus Payment
Replies: 3
Views: 1012

Stimulus Payment

If I hurry up and file a 2019 return will the stimulus check be based on that, rather than the 2018 return? When is the cutoff date? I can't find that info anywhere, just that it will be based on 2018 if you haven't filed 2019 yet.
by SC Anteater
Fri Mar 27, 2020 2:39 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 196551

Re: Bogleheads community discussion - Coronavirus

This might be a good excersize. If this pandemic is only an average 2% <0.15% for flu> morbidity rate, it might prompt us to get national public health system act in gear for the next pandemic. Sorry if you happen to be older, or in poor health, the dice roll gets worse. Dr. Fauci in New England Jo...
by SC Anteater
Fri Mar 27, 2020 2:38 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 196551

Re: Bogleheads community discussion - Coronavirus

18 days after instituting its nationwide lockdown, Italy recorded 969 deaths, the biggest daily jump since the epidemic began. Every day that passes makes it more clear that this is going to be a long, hard slog to get this thing into some kind of manageable place. But is it in Northern Italy, wher...
by SC Anteater
Mon Mar 23, 2020 12:19 pm
Forum: Personal Investments
Topic: TLH - Vanguard Total Stock partner
Replies: 7
Views: 336

Re: TLH - Vanguard Total Stock partner

Thanks for the replies. I knew about the 30 days going forward, but forgot about the 30 days going back. I've turned off div. reinvest but did exchange some Balanced Index Fund share for Total Stock shares a few weeks ago so I'll have to wait now.
by SC Anteater
Mon Mar 23, 2020 11:39 am
Forum: Personal Investments
Topic: TLH - Vanguard Total Stock partner
Replies: 7
Views: 336

Re: TLH - Vanguard Total Stock partner

I use VTSAX / VLCAX / VFIAX as a TLH partners. VTSAX is paying a dividend this week. Be careful if you sell VTSAX this week to TLH to not unintentionally create a wash sale if you buy VTSAX in your/spouse’s IRAs by either exchanging VFIAX for VTSAX or if VTSAX holdings in your IRAs are set to “buy”...