Search found 1670 matches

by manatee2005
Fri Apr 02, 2021 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Asking for more Merit aid? College decision day 5/1
Replies: 33
Views: 1696

Re: Asking for more Merit aid? College decision day 5/1

You can ask if you want to make the admission officers laugh.

If you say no to the school because they are too expensive, they will just get someone off the waitlist who will pay what they ask. Simple demand and supply.
by manatee2005
Fri Apr 02, 2021 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Why do I owe so much in Taxes?
Replies: 55
Views: 6735

Re: Why do I owe so much in Taxes?

JS-Elcano, Thank you. I will review in greater detail the forms in TT but basically immediately after I enter my W2 I am told I owe 20k+. After going through all the sections, deductions, the number doesn't change much. Taxes are being withheld from the monthly bonus. Can you tell us what's your W2...
by manatee2005
Thu Apr 01, 2021 9:28 pm
Forum: Personal Consumer Issues
Topic: Shopping for college
Replies: 164
Views: 12710

Re: Shopping for college

Interesting conclusion (highlighted) that I don't entirely agree with based on our experience. I do think some get more merit vs others based on something other than GPA/SAT/ACT/niche talent, but not a vast majority. Many get little to no merit b/c the school's admissions office can't justify givin...
by manatee2005
Thu Apr 01, 2021 9:24 pm
Forum: Personal Consumer Issues
Topic: Shopping for college
Replies: 164
Views: 12710

Re: Shopping for college

What we'll do is we'll make our son get the 5k loan the first year and we'll pay the rest from savings since our EFC was pretty high. It's a tough pill to swallow to basically pay the cost of a tesla every year to a college for 4 years, but we can afford it and hopefully after he is done he can get...
by manatee2005
Thu Apr 01, 2021 9:22 pm
Forum: Personal Consumer Issues
Topic: Shopping for college
Replies: 164
Views: 12710

Re: Shopping for college

Good news! College applications and future enrollment are down for the 2021-2022 school year. Competition should be less fierce. Yeah, I think we are seeing that in the college application process too. Several of the mid-tier schools to which my daughter applied have moved up admissions notificatio...
by manatee2005
Thu Apr 01, 2021 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too
Replies: 211
Views: 12192

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

I love how these college threads inflame everyone’s passions and opinions. We’re all shaped and biased by our own set of experiences and our kids. If we went elite, you’ll believe in elite. If you went less well known, you’ll believe the name doesn’t matter and it’s more the individual. Here’s my 2...
by manatee2005
Sun Mar 28, 2021 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too
Replies: 211
Views: 12192

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

I love how these college threads inflame everyone’s passions and opinions. We’re all shaped and biased by our own set of experiences and our kids. If we went elite, you’ll believe in elite. If you went less well known, you’ll believe the name doesn’t matter and it’s more the individual. Here’s my 2...
by manatee2005
Sun Mar 28, 2021 3:11 am
Forum: Personal Consumer Issues
Topic: High ranked Univ with liberal arts major or lower ranked school with STEM major
Replies: 121
Views: 8163

Re: High ranked Univ with liberal arts major or lower ranked school with STEM major

1) With very few exceptions, it makes very little sense to go to any U of California campuses if you are a CA non-resident. You get little for the non-resident tuition you pay. Very large classes, difficult to sign up for classes, getting a slot even at TA hours very hard etc. 2) As many have menti...
by manatee2005
Sat Mar 27, 2021 2:36 am
Forum: Personal Consumer Issues
Topic: High ranked Univ with liberal arts major or lower ranked school with STEM major
Replies: 121
Views: 8163

Re: High ranked Univ with liberal arts major or lower ranked school with STEM major

1) With very few exceptions, it makes very little sense to go to any U of California campuses if you are a CA non-resident. You get little for the non-resident tuition you pay. Very large classes, difficult to sign up for classes, getting a slot even at TA hours very hard etc. 2) As many have menti...
by manatee2005
Fri Mar 26, 2021 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Tales from this insane real estate market
Replies: 410
Views: 48944

Re: Tales from this insane real estate market

Things are completely different now. People buying are people who have money and can afford it. I don't think you read my argument clearly. Yes, in 2008 you had McDonalds workers lying on their application, that drove up the prices to insane levels. Today the prices are even higher than those insan...
by manatee2005
Fri Mar 26, 2021 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Tales from this insane real estate market
Replies: 410
Views: 48944

Re: Tales from this insane real estate market

You have to wonder where all the money is coming from. After all, no matter how you slice it, buying a $1+MM home ain't cheap. You still have to make the monthly payments. It would seem that all that media and political coverage about folks being out of work and struggling is a bit hard to fathom g...
by manatee2005
Fri Mar 26, 2021 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Tales from this insane real estate market
Replies: 410
Views: 48944

Re: Tales from this insane real estate market

Actually I don't know if I agree. In the 2008 bubble I was listening to a lot of AM radio. Well, we all admit that 2008 was a crazy insane mania, yet prices today are actually higher than the peak of that mania so how does it make logical sense? Interest rates can only explain so much. Incomes have...
by manatee2005
Thu Mar 25, 2021 4:14 pm
Forum: Personal Consumer Issues
Topic: Shopping for college
Replies: 164
Views: 12710

Re: Shopping for college

I started this thread on August 30, 2020 and it's March 26, 2021 and boy did I learn a lot through the process. I wanted to summarize my thoughts and post what I've learned so it can help others. 1. A lot of schools like University of Arizona and University of Alabama will give automatic scholarship...
by manatee2005
Thu Mar 25, 2021 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too
Replies: 211
Views: 12192

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

The hard thing for kids is to try and weigh up the relevance of cost, reputation, location, school size, class size, flexibility, college experience, future network, school pride etc The big college experience is not the primary goal for my kid, just one of the factors. I think the primary goal for...
by manatee2005
Thu Mar 25, 2021 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too
Replies: 211
Views: 12192

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

My gut is that WPI would have a far more supportive environment than a big public university. <snip> So for undergrad, once the minimum academic standard is clear, it is about "fit". Well said, Valuethinker. That's a well-written post that about sums things up, if money is not a considera...
by manatee2005
Thu Mar 25, 2021 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Decision Check HDHP vs PPO
Replies: 12
Views: 871

Re: Decision Check HDHP vs PPO

Quick Calculation seems to indicate the Prescriptions will cost about $3200. Really need the details to see what they would cost under the PPO but that $100 per prescription suggests they would not be a lot cheaper under the PPO. Between my wife and I and changing jobs, I have seen 3-4 different co...
by manatee2005
Wed Mar 24, 2021 7:54 pm
Forum: Personal Consumer Issues
Topic: Relocating from Austin to Galveston
Replies: 34
Views: 3394

Re: Relocating from Austin to Galveston

DD is considering relocating from Austin to Galveston. Her current job is in what I guess you would call a medical back office profession. Certification is required (which she has). She is pretty early in her career (5 years, or so). I have visited Austin, but am not overly familiar with it (other ...
by manatee2005
Wed Mar 24, 2021 2:10 pm
Forum: Personal Consumer Issues
Topic: Baylor, Auburn or ‘Bama?
Replies: 73
Views: 5213

Re: Baylor, Auburn or ‘Bama?

National reputation? Literally never heard of 'em. Never heard of Baylor, Auburn or Bama? I'm surprised this was such a controversial comment. Judging by your username I can see how you might be offended. To be honest my first thought when reading the title was maybe it was an affectionate nickname...
by manatee2005
Tue Mar 23, 2021 6:00 pm
Forum: Personal Consumer Issues
Topic: Baylor, Auburn or ‘Bama?
Replies: 73
Views: 5213

Re: Baylor, Auburn or ‘Bama?

You have three reputable schools to choose from. If nothing else, understand that you cannot make a bad decision here. There are many (many, many) examples of successful business women and men that have done well from all of three of these universities. +1 He could do worse than a bit more of sweet...
by manatee2005
Tue Mar 23, 2021 5:58 pm
Forum: Personal Consumer Issues
Topic: Baylor, Auburn or ‘Bama?
Replies: 73
Views: 5213

Re: Baylor, Auburn or ‘Bama?

Coming from California, culture shock is going to be *massive*, especially at Baylor, which is an evangelical Christian school. I worked with a couple of recent Baylor grads. The education they got was fine, but they were immigrants from a very secular part of Central Europe, and kind of got blinds...
by manatee2005
Tue Mar 23, 2021 2:55 pm
Forum: Personal Consumer Issues
Topic: Baylor, Auburn or ‘Bama?
Replies: 73
Views: 5213

Re: Baylor, Auburn or ‘Bama?

Coming from California, culture shock is going to be *massive*, especially at Baylor, which is an evangelical Christian school. I worked with a couple of recent Baylor grads. The education they got was fine, but they were immigrants from a very secular part of Central Europe, and kind of got blinds...
by manatee2005
Tue Mar 23, 2021 2:53 pm
Forum: Personal Consumer Issues
Topic: Baylor, Auburn or ‘Bama?
Replies: 73
Views: 5213

Re: Baylor, Auburn or ‘Bama?

Is Texas - Austin an option? it may be a bit less of a culture shock for a California kid than Waco or Tuscaloosa or Auburn (but more difficult to get into than the Alabama schools). UT Austin has only 9% acceptance rate for out of state students. He applied and got rejected. Meanwhile, Alabama and...
by manatee2005
Tue Mar 23, 2021 1:18 pm
Forum: Personal Consumer Issues
Topic: Baylor, Auburn or ‘Bama?
Replies: 73
Views: 5213

Re: Baylor, Auburn or ‘Bama?

Flannelbeard wrote: Tue Mar 23, 2021 12:29 pm National reputation? Literally never heard of 'em.
Where did you go to colllege?
by manatee2005
Tue Mar 23, 2021 12:22 pm
Forum: Personal Consumer Issues
Topic: Baylor, Auburn or ‘Bama?
Replies: 73
Views: 5213

Re: Baylor, Auburn or ‘Bama?

jrbdmb wrote: Tue Mar 23, 2021 9:58 am Is Texas - Austin an option? it may be a bit less of a culture shock for a California kid than Waco or Tuscaloosa or Auburn (but more difficult to get into than the Alabama schools).
UT Austin has only 9% acceptance rate for out of state students. He applied and got rejected.
by manatee2005
Tue Mar 23, 2021 12:22 pm
Forum: Personal Consumer Issues
Topic: Baylor, Auburn or ‘Bama?
Replies: 73
Views: 5213

Re: Baylor, Auburn or ‘Bama?

Surprised no one has yet mentioned that the Dr Pepper Museum is in Waco! If Texas A&M is an option, all of the people I know who went there had wonderful experiences. If your son does end up in Texas and he’s asked if he is from Texas, one response to consider is “No but I got here as soon as I...
by manatee2005
Tue Mar 23, 2021 4:49 am
Forum: Personal Consumer Issues
Topic: Baylor, Auburn or ‘Bama?
Replies: 73
Views: 5213

Re: Baylor, Auburn or ‘Bama?

I was inspired by the WPI thread and wanted to check what’s Bogleheads’ verdict on national reputation of Baylor (Waco, Tx), Auburn (Auburn, AL) and ‘Bama (Tuscaloosa) for a business/IT major? My son likes Bbq, sweet tea, and he wants to leave California. UCs were brutal to us so they’re not an opt...
by manatee2005
Tue Mar 23, 2021 1:16 am
Forum: Personal Consumer Issues
Topic: Baylor, Auburn or ‘Bama?
Replies: 73
Views: 5213

Re: Baylor, Auburn or ‘Bama?

Doom&Gloom wrote: Mon Mar 22, 2021 11:16 pm BBQ & sweet tea rankings:
1) Bama
2) Auburn
3) Baylor


But Ole Miss would beat all three.
That’s what I thought deep in my gut. But based on his scholarship he can use the difference to buy a lot more bbq in Texas 😀
by manatee2005
Tue Mar 23, 2021 1:12 am
Forum: Personal Consumer Issues
Topic: Baylor, Auburn or ‘Bama?
Replies: 73
Views: 5213

Re: Baylor, Auburn or ‘Bama?

livesoft wrote: Mon Mar 22, 2021 9:30 pm None of the above. Keep looking.

Consider taking a gap year or two.
Talk to UC admission officers for us.
by manatee2005
Tue Mar 23, 2021 1:09 am
Forum: Personal Consumer Issues
Topic: Baylor, Auburn or ‘Bama?
Replies: 73
Views: 5213

Re: Baylor, Auburn or ‘Bama?

Baylor. Texas is awesome. We’d love to have you. I have many friends who are Bears and they are quite successful professionally, partly due to the alumni network in the major cities you referenced. (My sister also graduated Baylor Law a little over a decade ago. She’s an awesome attorney. My wife g...
by manatee2005
Mon Mar 22, 2021 9:24 pm
Forum: Personal Consumer Issues
Topic: Baylor, Auburn or ‘Bama?
Replies: 73
Views: 5213

Baylor, Auburn or ‘Bama?

I was inspired by the WPI thread and wanted to check what’s Bogleheads’ verdict on national reputation of Baylor (Waco, Tx), Auburn (Auburn, AL) and ‘Bama (Tuscaloosa). My son likes Bbq, sweet tea, and he wants to leave California. UCs were brutal to us so they’re not an option. Same with CSUs. We c...
by manatee2005
Mon Mar 22, 2021 8:47 pm
Forum: Personal Consumer Issues
Topic: Dog DNA Test
Replies: 49
Views: 4320

Re: Dog DNA Test

... I was always told by my mom that we were part Italian. Her maiden name is Italian. So, the wife got me the 23&me test for Christmas. Results came back in. No Italian in my DNA. Closest match geographically was Greek, 4% at that. The kicker was a third of my heritage was French. Never even r...
by manatee2005
Mon Mar 22, 2021 4:11 am
Forum: Personal Consumer Issues
Topic: Dog DNA Test
Replies: 49
Views: 4320

Re: Dog DNA Test

... I was always told by my mom that we were part Italian. Her maiden name is Italian. So, the wife got me the 23&me test for Christmas. Results came back in. No Italian in my DNA. Closest match geographically was Greek, 4% at that. The kicker was a third of my heritage was French. Never even r...
by manatee2005
Mon Mar 22, 2021 2:39 am
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 241
Views: 23230

Re: What is the BEST thing you spent money on?

A can of tuna when I didn't eat for 2 days because I had no money. Wow. From reading your other posts sounds like you were very fortunate and your life turned around to a better place in a substantial way. Yes, I lived in public housing in high school, then got a STEM college degree and after that ...
by manatee2005
Sun Mar 21, 2021 5:21 pm
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 241
Views: 23230

Re: What is the BEST thing you spent money on?

A can of tuna when I didn't eat for 2 days because I had no money.
by manatee2005
Sun Mar 21, 2021 5:15 pm
Forum: Investing - Theory, News & General
Topic: What To Do with $36,000 Extra a Year...?
Replies: 9
Views: 1807

Re: What To Do with $36,000 Extra a Year...?

Gardner's Son wrote: Sun Mar 21, 2021 4:49 pm Thanks for the replies: Yes, we do have income coming in from part-time jobs. I'm more of a travel-bug than my wife, although doing something with our kids/grandkids would be fun and will be considered. Many thanks!
You can give it to a homeless shelter.
by manatee2005
Sun Mar 21, 2021 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Advice to friend?
Replies: 23
Views: 2040

Re: Advice to friend?

Say nothing.
by manatee2005
Sun Mar 21, 2021 5:21 am
Forum: Personal Finance (Not Investing)
Topic: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too
Replies: 211
Views: 12192

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

One more data point: on the Money.com college rankings, if you sort by "Early career earnings", WPI is #10 out of 739 (edging out Princeton and RPI). Mudd is #1. The overall rankings are a bit peculiar, as the calculation is heavily influenced by financial considerations such as affordabi...
by manatee2005
Sun Mar 21, 2021 2:39 am
Forum: Personal Finance (Not Investing)
Topic: Deducting remote working expenses for W-2 job
Replies: 3
Views: 648

Re: Deducting remote working expenses for W-2 job

rage_phish wrote: Sun Mar 21, 2021 12:42 am California and yes
I am in CA too. Where did you put it in CA return, on which form? I am using HR Block software and I didn't see where to enter it.
by manatee2005
Sun Mar 21, 2021 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Deducting remote working expenses for W-2 job
Replies: 3
Views: 648

Deducting remote working expenses for W-2 job

I saw this article and it reminded my about deducting expenses I had to incur because I had to work from home most of 2020 (and still am). https://money.com/work-from-home-tax-deductions/ Is anyone who is living in one of those 7 states that the article mentions deducting your remote work expenses b...
by manatee2005
Sat Mar 20, 2021 4:04 am
Forum: Personal Finance (Not Investing)
Topic: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too
Replies: 211
Views: 12192

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

National recognition is lacking because they don’t have a top 25 football team and aren’t in the tourney bracket that millions of Americans made last week.
by manatee2005
Thu Mar 18, 2021 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too
Replies: 211
Views: 12192

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

Thanks again for all the replies. In conclusion, costs/debt matters but so does fit, and in this case WPI looks like a pretty good fit academically, weather wise remains to be seen. The relevance of institutional reputation seems debatable and although important to some, it probably should not be c...
by manatee2005
Wed Mar 17, 2021 10:05 pm
Forum: Personal Consumer Issues
Topic: Shopping for college
Replies: 164
Views: 12710

Re: Shopping for college

livesoft wrote: Thu Dec 17, 2020 10:46 am Good news! College applications and future enrollment are down for the 2021-2022 school year. Competition should be less fierce.
I heard the complete opposite. UCLA applications were up 26%.
by manatee2005
Wed Mar 17, 2021 10:03 pm
Forum: Personal Consumer Issues
Topic: Shopping for college
Replies: 164
Views: 12710

Re: Shopping for college

Good news! College applications and future enrollment are down for the 2021-2022 school year. Competition should be less fierce. Yeah, I think we are seeing that in the college application process too. Several of the mid-tier schools to which my daughter applied have moved up admissions notificatio...
by manatee2005
Wed Mar 17, 2021 9:51 pm
Forum: Personal Investments
Topic: Where would you put 100k a year?
Replies: 18
Views: 1649

Re: Where would you put 100k a year?

Nasdaq 100%. Software will eat the world.
by manatee2005
Wed Mar 17, 2021 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too
Replies: 211
Views: 12192

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

I’d choose UC Riverside actually.

As one poster said the winters are long and cold in north east.
by manatee2005
Wed Mar 17, 2021 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too
Replies: 211
Views: 12192

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

My son is a HS senior and we finished applying and I thought I was familiar with all top 100 schools and I've never heard of WPI. Purdue is much more well known. Colorada school of mines is unknown to me as well. What low tier UCs did he get into? Btw at this point there are no low tier UCs since it...
by manatee2005
Mon Mar 15, 2021 6:03 pm
Forum: Personal Consumer Issues
Topic: Anyone here live in AirBNBs full time?
Replies: 36
Views: 4143

Re: Anyone here live in AirBNBs full time?

I'm looking at prices in locations I'd like to visit and see that monthly rents are often lower than what I'm paying here in the US. This is especially true once the cost of utilities and furniture are taken into consideration. This is true not just in developing countries like Thailand, Vietnam, a...
by manatee2005
Mon Mar 15, 2021 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1.35M house?
Replies: 54
Views: 5133

Re: Can I afford a $1.35M house?

Hello Boglers, please advise with yet another affordability question. Can I afford a $1.35M house? Both I and my wife are Software Engineers with a combined gross salary of $300,000. Our bonus is about $30,000 net yearly. Looking to buy an SFH in Northern California (San Jose to be specific). Our f...
by manatee2005
Mon Mar 15, 2021 5:17 am
Forum: Personal Finance (Not Investing)
Topic: Should I open an account with a bank having a local branch?
Replies: 69
Views: 3715

Re: Should I open an account with a bank having a local branch?

22twain wrote: Mon Mar 15, 2021 1:22 am
HasHas wrote: Sun Mar 14, 2021 1:30 pm 1. In addition to MSG, are there any other situations in which having a brick and mortar bank close to you is better?
I'm surprised nobody has mentioned safe deposit boxes yet. Have they become obsolete?
I have one.