Search found 387 matches

by SC Anteater
Fri Jun 04, 2021 12:25 pm
Forum: Personal Consumer Issues
Topic: California East Bay, Place to live and commute to Oakland, CA
Replies: 107
Views: 8010

Re: California East Bay, Place to live and commute to Oakland, CA

True. Oregon was choked with smoke last year, Washington state gets it sometimes too. Anywhere in the West you've got a shot at dealing with wildfire smoke. I am not concerned with the threat of fire where I live, but there are definitely places in the East Bay that have high fire risks and would in...
by SC Anteater
Thu Jun 03, 2021 11:42 pm
Forum: Personal Consumer Issues
Topic: California East Bay, Place to live and commute to Oakland, CA
Replies: 107
Views: 8010

Re: California East Bay, Place to live and commute to Oakland, CA

Hello All, I am in the same boat. I am coming from So Cal to East Bay. My office is in Lake Merrit and I am looking at Walnut Creek, Fremont and San Leandro. How is the commute from each city and what are the advantages and disadvantages. It will be my husband and I with our pup. We are working pro...
by SC Anteater
Thu Jun 03, 2021 11:37 pm
Forum: Personal Consumer Issues
Topic: California East Bay, Place to live and commute to Oakland, CA
Replies: 107
Views: 8010

Re: California East Bay, Place to live and commute to Oakland, CA

I would choose Alameda. Good balance of everything and super close to Oakland. Even if you have to commute during rush hour, it's maybe 10-15m extra at most. I'm biased though as someone who grew up in Alameda. I lived in Alameda for a year when I first moved to the Bay Area and really didn't like ...
by SC Anteater
Fri May 28, 2021 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Return to Work - How is your company dealing with it?
Replies: 260
Views: 23839

Re: Return to Work - How is your company dealing with it?

Well my company just announced post Labor Day a requirement to return to the office Tuesday through Thursday each week. While I appreciate the 2 day WAH adjustment, I am not sold that it will really add much value to my career. When we crunch the numbers, my wife and I save around 1k per month work...
by SC Anteater
Wed May 26, 2021 7:50 pm
Forum: Personal Consumer Issues
Topic: Gambled on a trip to Europe
Replies: 59
Views: 7089

Re: Gambled on a trip to Europe

These are all good comments, keep them coming. As to why we booked flights to Lisbon? Price was half that to Seville. We have a travel strategy, if you will -- I open up google flights, look where the cheapest flight(s) to Europe is/are, and go there. I figure I'll enjoy something about anywhere. I ...
by SC Anteater
Wed May 26, 2021 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Would you downsize from 2 cars to 1 car household in my situation?
Replies: 30
Views: 2473

Re: Would you downsize from 2 cars to 1 car household in my situation?

Not that we can't afford costs for 2 cars but questioning if it's worth it ever since I started a new job 100% remote (office is in another state so no chance of going back to the office). If we downsize, we don't plan on selling the car immediately but just wouldn't buy a new one when it's ran to ...
by SC Anteater
Wed May 26, 2021 1:34 pm
Forum: Personal Consumer Issues
Topic: Gambled on a trip to Europe
Replies: 59
Views: 7089

Re: Gambled on a trip to Europe

How is COVID situation in Spain/Portugal at the moment in terms of openness of restaurants, tourist attraction etc ? I'm considering booking something for the end of August but if everything is closed and masks are mandated outdoors it won't be much fun even if we are allowed into the country. In S...
by SC Anteater
Wed May 26, 2021 1:33 pm
Forum: Personal Consumer Issues
Topic: Gambled on a trip to Europe
Replies: 59
Views: 7089

Re: Gambled on a trip to Europe

Well, I took the plunge and booked flights for September. Hopefully they'll be letting in vaccinated US citizens by then. I'm flying in and out of Lisbon. Planning to drive to Granada to see the Alhambra but have no other fixed plans in my 10 days. Thinking I want to go to Cordoba; where else shoul...
by SC Anteater
Wed May 26, 2021 1:30 pm
Forum: Personal Consumer Issues
Topic: Gambled on a trip to Europe
Replies: 59
Views: 7089

Re: Gambled on a trip to Europe

This is another travel example plans that seems to cover too much. It is 447 miles Lisbon to Granada. To me that would be two days full of driving. That cuts your 10 day trip down to 8 days. Not sure if you that 10 days includes first and last day there (airport, car rental, etc each end). Having d...
by SC Anteater
Tue May 25, 2021 10:21 pm
Forum: Personal Consumer Issues
Topic: Gambled on a trip to Europe
Replies: 59
Views: 7089

Re: Gambled on a trip to Europe

Child Harolds Pilgrimage (Lord Byron): Lisbon Sintra Mafra, Seville Cadiz. I agree not to skip Seville. The other suggestions are great too. A lot of tough decisions. A nice Algarve beach, Córdoba and making it back to Lisbon again. You will definitely need a car, as there are not enough train line...
by SC Anteater
Tue May 25, 2021 5:46 pm
Forum: Personal Consumer Issues
Topic: Gambled on a trip to Europe
Replies: 59
Views: 7089

Gambled on a trip to Europe

Well, I took the plunge and booked flights for September. Hopefully they'll be letting in vaccinated US citizens by then. I'm flying in and out of Lisbon. Planning to drive to Granada to see the Alhambra but have no other fixed plans in my 10 days. Thinking I want to go to Cordoba; where else should...
by SC Anteater
Mon May 24, 2021 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone hate their vacation home?
Replies: 89
Views: 11335

Re: Anyone hate their vacation home?

Yeah, those are common concerns. My parents bought a cabin in the mountains in So Cal, but it seems like every time they went up there they were working on a project. And speaking as someone whose kids are now in college, the years when they could go enjoy a second home are pretty short in the great...
by SC Anteater
Sat May 22, 2021 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Should we sell our second car?
Replies: 35
Views: 3133

Re: Should we sell our second car?

Yeah, it all depends on where you live. In 12 years of schooling I never drove my kids to school (elementary walked, middle, one ride the bus one biked, high school walked). Not a travel sports person so never did that. Never bought the kids a car, they still don't own one.
by SC Anteater
Mon May 03, 2021 7:25 pm
Forum: Personal Investments
Topic: Help with FreeTaxUSA and Excess Roth Contribution
Replies: 0
Views: 390

Help with FreeTaxUSA and Excess Roth Contribution

Trying to get my excess Roth contribution and removal for 2020 worked out on my tax return. I'm using FreeTax USA, and I tried to put in a dummy 1099-R, as Alan S. suggests, and I can't get the taxable amount to show up on line 4b of my return. Anyone using FreeTax had success with this?
by SC Anteater
Mon May 03, 2021 7:24 pm
Forum: Personal Investments
Topic: Excess Roth Contribution
Replies: 10
Views: 933

Re: Excess Roth Contribution

Try entering Code J next to the 8 in Box 7. I should have told you that before. In this situation is there any difference in the Box 7 Code depending on whether the person is greater or less than 59 1/2 years old? (I've been referring people to this post who are trying to fill out a dummy 1099-R fo...
by SC Anteater
Fri Apr 23, 2021 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Prop 19 - Buying house now vs later
Replies: 2
Views: 370

Re: Prop 19 - Buying house now vs later

Looks like age 55. Here's a useful summary:

https://www.boe.ca.gov/prop19/#Charts
by SC Anteater
Tue Apr 20, 2021 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: First child entering college in the fall... need some advice
Replies: 186
Views: 12422

Re: First child entering college in the fall... need some advice

FAFSA change: multiple child benefit disappearing As a fellow parent of twins, that’s totally brutal. Whatever hope that I had for even cursory financial aid is completely gone now. FAFSA's EFC is essentially irrelevant where it comes to distributing institutional financial aid. Most institutions t...
by SC Anteater
Mon Apr 19, 2021 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: First child entering college in the fall... need some advice
Replies: 186
Views: 12422

Re: First child entering college in the fall... need some advice

OP, you might find this article and podcast helpful to understanding the recent changes to FAFSA rules and how it might effect the possibility of getting any aid. https://www.thecollegesolution.com/new-fafsa-changes-winners-and-losers/ This is interesting (I only read the article, didn't watch the ...
by SC Anteater
Mon Apr 19, 2021 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Overcontribution - What do I need to do on this year's return
Replies: 8
Views: 392

Re: Roth Overcontribution - What do I need to do on this year's return

I’ll note that by “reversed”, I assume it was done so correctly. Any income gained from the invested funds would be withdrawn from your Roth and reported as such by your brokerage company (Vanguard in my case). When I went through this, everything was done correctly in that regard - but I incorrect...
by SC Anteater
Mon Apr 19, 2021 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Overcontribution - What do I need to do on this year's return
Replies: 8
Views: 392

Re: Roth Overcontribution - What do I need to do on this year's return

I accidentally overcontributed to my Roth last year. I removed the overcontribution in January of this year. I understand I will receive a 1099-R for the 2021 tax year. What do I need to do on 2020's tax return -- anything? I'm guessing that when you say you "removed" the contribution and...
by SC Anteater
Mon Apr 19, 2021 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Overcontribution - What do I need to do on this year's return
Replies: 8
Views: 392

Roth Overcontribution - What do I need to do on this year's return

I accidentally overcontributed to my Roth last year. I removed the overcontribution in January of this year. I understand I will receive a 1099-R for the 2021 tax year. What do I need to do on 2020's tax return -- anything?
by SC Anteater
Fri Apr 16, 2021 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: What Does College Tuition Really Cost?
Replies: 84
Views: 6856

Re: What Does College Tuition Really Cost?

Both my kids go to state universities. We got a $500 middle class scholarship the first two years, but won't be getting it next year -- I guess our HH income edged just high enough to knock us out. One kid got a $2000/year scholarship from the school for the last two years for her high GPA. Income h...
by SC Anteater
Wed Apr 14, 2021 10:23 am
Forum: Personal Finance (Not Investing)
Topic: First child entering college in the fall... need some advice
Replies: 186
Views: 12422

Re: First child entering college in the fall... need some advice

Thanks for all the replies. I tried to head off the "Go to State U instead" debate in my original post... I should've known that will never work with Bogleheads :D To clarify a few things: She is going for STEM The merit scholarship is $1000/year recurring I expect that she will be contri...
by SC Anteater
Mon Mar 29, 2021 10:14 am
Forum: Personal Consumer Issues
Topic: Why are Subarus so popular?
Replies: 112
Views: 6456

Re: Why are Subarus so popular?

We recently retuned from a trip to Colorado and saw Subarus everywhere . Can someone shed some light on what makes these so popular? Is this just a Colorado thing? They're pretty common here in Washington. We only get 2-3 snow days a year, but the AWD is useful in our never ending rain, too. Half t...
by SC Anteater
Wed Mar 17, 2021 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too
Replies: 211
Views: 12887

Re: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too

I am a west coast based engineer and I know WPI, however I went to a similar tiny private engineering school (it can be guessed from my username). There are advantages and disadvantages to a small technical college. Personally it was the best environment for me. The lack of name recognition may hav...
by SC Anteater
Sun Mar 14, 2021 7:36 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1311
Views: 64018

Re: Bird watchers – what birds are you seeing?

Joining in here for the first time -- I enjoy watching the birds in my yard, and have focused on planting native species which has greatly increased the birds visiting. A Lawrence's goldfinch was in my birdbath this morning -- since they're often described as rare and uncommon this might be the most...
by SC Anteater
Wed Mar 03, 2021 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Should/can DS file on his own as independent?
Replies: 22
Views: 740

Re: Shoulds/can DS file on his own as independent?

Long time Tax Aide volunteer here- If you provide more than half his support, he is your dependent and cannot claim himself. If there were educational expenses not covered by the 529 withdrawal, you can use them to claim education credits, but only if you claim him as a dependent. We see many paren...
by SC Anteater
Mon Feb 22, 2021 11:10 am
Forum: Investing - Theory, News & General
Topic: Life expectancy decline and Social Security.
Replies: 17
Views: 2067

Re: Life expectancy decline and Social Security.

I am 64 and am currently planning to claim SS benefits at age 70 (my DW has long life genes in her family). Will the decrease in life expectancy have an effect on every future claimant or only on the affected cohort? Just wondering if I need to adjust my plans..... The much discussed decrease in li...
by SC Anteater
Sun Feb 21, 2021 10:49 am
Forum: Personal Investments
Topic: forced early retirement
Replies: 54
Views: 6082

Re: forced early retirement

Thanks everyone. I think my concern was that if we were heavier in REITs maybe there was more earning potential. I see now that they don't outperform my current investment. We can live off the 4%, but it will be tight. Of course, my husband can work at Home Depot (for example) and offset some expen...
by SC Anteater
Wed Feb 17, 2021 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Help with double-entry bookkeeping for funding of a trust
Replies: 6
Views: 509

Re: Help with double-entry bookkeeping for funding of a trust

I'm using the double-entry bookkeeping method for keeping track of an irrevocable trust's records, and I'm wondering how to record the initial funding (or any funding for that matter) of the trust. If the asset is a savings account, I assume I debit the savings account with an opening balance. Whic...
by SC Anteater
Sat Feb 13, 2021 3:27 am
Forum: Personal Consumer Issues
Topic: Planning trip from Bay Area to Crater Lake, Oregon
Replies: 35
Views: 2759

Re: Planning trip from Bay Area to Crater Lake, Oregon

Hi, I am planning a trip from Bay Area to Crater Lake, Oregon by car with kids (10 and 12). If anyone has done similar road trip, can you let me know what else we can see on the way and how many should I stay at Crater lake. Take the boat out to wizard island and hike to the top (it's not a hard hi...
by SC Anteater
Sun Jan 31, 2021 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Can my parents retire?
Replies: 70
Views: 5885

Re: Can my parents retire?

Even with real estate taxes and health insurance AND the mortgage they only need $2400/month? That seems incredible for anywhere but especially in California. $200k goes a long way in the midwest to retire a bit more comfortably, house could be paid for in cash and drawdown from the other $400k ove...
by SC Anteater
Sat Jan 30, 2021 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Motivate Graduating HS Sr to Start Life - facing an uphill climb
Replies: 175
Views: 12791

Re: College financial aid - facing an uphill climb

Our oldest is 18, will graduate in a few months: - Not particularly interested in college, hasn't filled out any applications, didn't study for his SAT. Nonetheless will likely end up going somewhere but mostly because he hasn't taken steps toward anything else either. - He's @ 50th percentile in h...
by SC Anteater
Thu Jan 28, 2021 3:04 pm
Forum: Personal Investments
Topic: Overcontribution to Roth IRAs for 2020
Replies: 17
Views: 760

Re: Overcontribution to Roth IRAs for 2020

I DCA'd all last year (583.32/month). I've worked it out that I would need to remove my contributions from Dec. - a portion of May's. The earnings on those specific contributions total 475.01. If I wait until October, a 6% excise tax on 4170 is around $250. So would I have to figure out how much ta...
by SC Anteater
Thu Jan 28, 2021 2:23 pm
Forum: Personal Investments
Topic: Overcontribution to Roth IRAs for 2020
Replies: 17
Views: 760

Re: Overcontribution to Roth IRAs for 2020

I DCA'd all last year (583.32/month). I've worked it out that I would need to remove my contributions from Dec. - a portion of May's. The earnings on those specific contributions total 475.01. If I wait until October, a 6% excise tax on 4170 is around $250. So would I have to figure out how much ta...
by SC Anteater
Thu Jan 28, 2021 2:04 pm
Forum: Personal Investments
Topic: Overcontribution to Roth IRAs for 2020
Replies: 17
Views: 760

Re: Overcontribution to Roth IRAs for 2020

I think you should have added that if the excess contribution is withdrawn after Oct 15th, there is a 6% penalty assessed on the excess contribution. No, that's exactly the point. As long as the excess contribution is removed before 12/31/2021, no 6% excise tax is due. OR, so I understand it from t...
by SC Anteater
Thu Jan 28, 2021 2:02 pm
Forum: Personal Investments
Topic: Overcontribution to Roth IRAs for 2020
Replies: 17
Views: 760

Re: Overcontribution to Roth IRAs for 2020

Related recent post by @celia on this topic: https://www.bogleheads.org/forum/viewtopic.php?p=5739712#p5739712 Summary: - *IF* you had invested in the Roth IRA last year around March lows and there are substantial gains ... - *IF* you realize that you had over contributed now - *IF* you want to kee...
by SC Anteater
Thu Jan 28, 2021 1:40 pm
Forum: Personal Investments
Topic: Overcontribution to Roth IRAs for 2020
Replies: 17
Views: 760

Re: Overcontribution to Roth IRAs for 2020

sc, here is some information that may help. Is the problem related to income less than $14,000? https://www.investopedia.com/what-to-do-if-you-contribute-too-much-to-your-roth-ira-4770686 https://investor.vanguard.com/ira/excess-contribution Paul No, we hit the upper income limit. Thanks for the li...
by SC Anteater
Wed Jan 27, 2021 11:59 pm
Forum: Personal Investments
Topic: Overcontribution to Roth IRAs for 2020
Replies: 17
Views: 760

Overcontribution to Roth IRAs for 2020

I've done a search and have viewed past topics, but still have some questions. I did a quick and dirty pass through my 2020 TR tonight and it looks like we have overcontributed to our Roths (both 50+ so each contributed $7K) at Vanguard. Each of us needs to remove $4,710 (I thought I was tracking ou...
by SC Anteater
Tue Jan 26, 2021 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: How much tax burden is too much?
Replies: 64
Views: 4719

Re: How much tax burden is too much?

We live 8n Texas with no state income tax but ridiculous property taxes. To me, property taxes here are the gift that keeps on taking, so Even with no taxable income you can be in real hurt. We recently bailed on a new house construction due to the tax implications. With 5 to 6 years to go before r...
by SC Anteater
Thu Dec 31, 2020 6:34 pm
Forum: Personal Consumer Issues
Topic: Govt/Political Science major aspiring 6th grader - Recommendations ?
Replies: 51
Views: 3276

Re: Govt/Political Science major aspiring 6th grader - Recommendations ?

This is interesting information. I have a D in college who is studying Japanese and Global Studies and I've often wondered what she's going to do with it (she is planning on spending several years post-college in Japan teaching English). She's been studying Japanese since her freshman year in high ...
by SC Anteater
Wed Dec 30, 2020 12:51 pm
Forum: Personal Consumer Issues
Topic: Govt/Political Science major aspiring 6th grader - Recommendations ?
Replies: 51
Views: 3276

Re: Govt/Political Science major aspiring 6th grader - Recommendations ?

I think the Economist is a bit much for a 6th grader. Might be more appropriate in high school. At this stage you probably want to just focus on encouraging his interests and developing his intellectual skills in general. Just saying what worked for my kid. He's a typical 'good student' but no geni...
by SC Anteater
Wed Dec 30, 2020 12:46 pm
Forum: Personal Consumer Issues
Topic: Govt/Political Science major aspiring 6th grader - Recommendations ?
Replies: 51
Views: 3276

Re: Govt/Political Science major aspiring 6th grader - Recommendations ?

My child is younger than yours, so I suppose I'm in no position to say, but a sixth-grader strikes me as being too young to prep for admission to any particular program. Like some of the prior responses, my instinct would be to just let the kid develop naturally. That being said, I have an undergra...
by SC Anteater
Wed Dec 30, 2020 12:24 am
Forum: Personal Consumer Issues
Topic: Govt/Political Science major aspiring 6th grader - Recommendations ?
Replies: 51
Views: 3276

Re: Govt/Political Science major aspiring 6th grader - Recommendations ?

DS is a 6th grader with IMMENSE interest in Govt & Political Science. I know it is too early but he aspires to attend Harvard University and major in Govt/Political Science. He spends significant amount of time to peruse Wikipedia on various topics in this area on a daily basis, watches tons of...
by SC Anteater
Mon Dec 28, 2020 1:12 pm
Forum: Personal Consumer Issues
Topic: What kind of bike and where to get it - 2021 edition
Replies: 57
Views: 4241

Re: What kind of bike and where to get it - 2021 edition

Adding on to what everyone else says. Cannondale is a brand to add to your Specialized/Trek list. Son has a Cannondale Quick that he uses as his commuter/college bike (he had it before college and used it to ride to work). It's been very reliable, nothing's gone wrong on it and he's subjected it to ...
by SC Anteater
Sat Dec 19, 2020 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Prop 19 CA Inheritance Property Implications
Replies: 204
Views: 13280

Re: Prop 19 CA Inheritance Property Implications

Even though Prop 19 will affect me greatly, I do think it help with wealth inequality. My wallet voted against it, but my (bleeding) heart is in favor of it. Similarly, the changes to inherited IRAs made by the SECURE act will also "cost" me a lot, but I think the stretch IRA was pretty u...
by SC Anteater
Tue Dec 08, 2020 2:37 am
Forum: Personal Consumer Issues
Topic: Does a cheap road bike really exist?
Replies: 171
Views: 12479

Re: Does a cheap road bike really exist?

I'd rather buy a used good road bike than a new cheap one.

Would you enjoy driving a Yugo around? It's the same thing with bikes.
by SC Anteater
Sat Dec 05, 2020 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Commuting after COVID
Replies: 133
Views: 8373

Re: Commuting after COVID

On the other hand, I'm still going into the office 4 days a week. To print paper checks. I'm an accountant, and my office is very old school. Paper files, hand written pencil notes, paper bills for utility payments that are on autopay, paper checks even when our vendors want ACH. It's pretty silly, ...
by SC Anteater
Thu Nov 19, 2020 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Prop 19 CA Inheritance Property Implications
Replies: 204
Views: 13280

Re: Prop 19 CA Inheritance Property Implications

It is not unusual to see two neighbors of homes of about equal assessed values pay wildly different property taxes, e.g., $2,000 vs. $30,000. This subject came up on a different forum and someone provided a link to a site that displays property tax amounts. I checked my neighborhood, and for the mo...
by SC Anteater
Fri Oct 30, 2020 9:36 pm
Forum: Personal Consumer Issues
Topic: removed
Replies: 136
Views: 8579

Re: Heat - What do you set your temps to in Winter?

I am seeing some really low numbers posted here...low 60s and high 50s in some cases. Are you all using space heaters as well with the thermostats set so low? Space heaters cost a lot to run. I will admit the house is a little cold if I'm stilling still working, but I have a good fleece jacket and ...