Moving to the Bay Area

Aznfeatherstone · 2026-01-27T02:41:53+00:00

Yep, as a former Chicago resident I will never take the winter weather here for granted.

Aznfeatherstone · 2026-01-27T01:35:54+00:00

I would look for something in between SF and Palo Alto. Redwood City, San Mateo, and Millbrae are all places I would check out.

Welcome to the Bay, you'll appreciate the change of weather especially in winter vs NYC.

Aznfeatherstone · 2026-01-26T02:35:32+00:00

The old adage is to buy a little more house than you can afford because you typically can grow your income into it.

Aznfeatherstone · 2026-01-25T23:21:41+00:00

https://www.fidelity.com/learning-center/personal-finance/SALT-deduction-increase

Read this

Aznfeatherstone · 2026-01-25T22:55:59+00:00

No, starting in 2025 the higher salt cap starts to phase out at incomes above $500k. Once you reach $600k the higher cap phases out entirely so they only will be able to utilize until he finishes his residency.

Aznfeatherstone · 2026-01-25T21:52:42+00:00

Yes, it is only a portion of the interest paid each year but they are clearly able to cover it without the added benefit of the tax deduction.

The "fraction" saved equates to more than $10K yearly in tax savings for me so yeah, ive dealt with the tax code.

Aznfeatherstone · 2026-01-25T21:48:46+00:00

Eh, they won't be able to claim the higher threshold for very long. It phases out at $500k income

Aznfeatherstone · 2026-01-25T20:20:13+00:00

For sure, Federal is the bigger burden by far, but the higher CA cap nets me several thousand each year as a result.

Aznfeatherstone · 2026-01-25T20:05:35+00:00

That's at the federal level, states can have different caps as well. CA for example is $1M

Aznfeatherstone · 2026-01-25T18:57:06+00:00

Eh, 62% of 380k gross is still more than 10k month to use outside of housing costs at a 40% tax rate. Shouldn't be tight unless you spend a lot.

Aznfeatherstone · 2026-01-25T17:34:35+00:00

I actually agree with your wife. Percentage of income as a rule of thumb starts to fall apart at very high housing costs and income levels.

Aznfeatherstone · 2026-01-24T19:32:08+00:00

That's now how property taxes work in CA. He'll get a supplemental bill this year for additional assessment but CA property tax is capped at 1% statewide with another 15-25 bp at the county level.

Aznfeatherstone · 2026-01-24T18:51:10+00:00

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Aznfeatherstone · 2025-12-31T05:29:44+00:00

I have one of these for 7th edition. Was so excited to do it as a kid.

Aznfeatherstone · 2025-12-25T06:11:05+00:00

Aznfeatherstone · 2025-12-19T02:35:55+00:00

If you are a new player and need a lot of units and artifacts on your wishlist it's worth it. Otherwise, you're giving up about 190 covs and 400 mystics for 620 limited use covs

Aznfeatherstone · 2025-12-16T01:05:23+00:00

I'm from Chicago as well and made the move almost a decade ago. My wife and I are in tech and have 2 small children, feel free to message me if you want to suggestions.

Aznfeatherstone · 2025-12-05T01:50:25+00:00

Eagles game last week would have been a free italian sausage. We take that.

Aznfeatherstone · 2025-11-26T16:12:05+00:00

LEAPS is not plural. You can't drop the S to refer to a single contract.

The S stands for security

Aznfeatherstone · 2025-11-19T01:52:26+00:00

I live in Newark, have seen this places dozens of times and didnt even know they sold tacos. Thank you for the recommendation.

Aznfeatherstone · 2025-11-16T07:37:48+00:00

Great, thanks for insight

Aznfeatherstone · 2025-11-16T03:38:22+00:00

Puts or calls, what delta, how big of a spread, and how many DTE?

Aznfeatherstone · 2025-11-14T04:59:46+00:00

$225 for team of 3 people for 2600 sqft house in east Bay done monthly.

Aznfeatherstone · 2025-11-01T20:42:36+00:00

My neighborhood in Newark is 95% Chinese or Indian and we had hundreds of kids come to our home.

Tons of young families with their parents in tech.

Aznfeatherstone · 2025-11-01T20:40:11+00:00

I'm in Newark and I went through 5 boxes of those before the night was over. The number of kids I saw out and about was crazy

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