I'm going to try to document what "life" was like at the time and hopefully compare it to what it becomes in the future. Figures will be the main content. Note that some of the items here will be from the prospective of living in the Bay Area. If you would like to document some of the same things I have in your own area, please do so. There are some things which I initially wanted to track but upon further review, realized that there were already some planned changes in the near future. For instance, the minimum hourly wage. Here in CA, there are planned increases that will take effect by 2023 to raise the rate to $15/hr. So I don't think it would be fair to keep tabs on that but if things change in the future related to this fact, I'll address them then.
I plan to be around for many more years but I think two years in (i.e., Nov. 2022, just after the mid-terms) would be a good time to revisit this thread. Some of the info will be what I see around me and some was found online. I'll try to include links to my resources but there's no guarantee that they will still be active later on. So here goes...
GAS/DIESEL
95120: 76 (Redmond, Camden) is $3.75 to $3.79 for premium, $3.43 to $3.45 for regular
---------Valero (Winfield) is $3.19 for premium, $2.89 for regular, $3.15 for diesel
95118: ARCO (Almaden, Branham) is $3.09 to $3.13 for premium, $2.79 to $2.83 for regular, $3.05 to $3.19 for diesel
CA taxes on gas: $0.505, increases yearly (July 1) based upon CA CPI
CA taxes on diesel: $0.385
https://www.gasbuddy.com/
http://www.sanjosegasprices.com/
https://www.pacificresearch.org/califor ... -increase/
ELECTRICITY
I'm currently on PG&E's E-6 rate plan. It's going away in a couple of years. I hope that I can compare it to what it changes to. Summer=June 1st to Sept 30th Winter=Oct 1st to May 31st
Summer Peak: Baseline: $0.40545 Over: $0.49198
Summer Part-Peak: Baseline: $0.28701 Over: $0.37354
Summer Off-Peak: Baseline: $0.21179 Over: $0.29832
Winter Part-Peak: Baseline: $0.23296 Over: $0.31949
Winter Off-Peak: Baseline: $0.21613 Over: $0.30266
Tier 1 allowance: 9.9kWh/day
(NOTE: The rates above is because I have solar. The following rates were added to this post 12/6/20.)
Tiered rate plan E-1:
Tier 1: up to 100% of baseline allocation: $0.24
Tier 2: 101%-400% of baseline: $0.31
High usage: >400% of baseline: $0.38
Time-Of-Use E-TOU-C: (Peak pricing every day 4-9pm)
Summer Off-Peak: Below Baseline: $0.27 Over: $0.33
Summer Peak: Below Baseline: $0.35 Over: $0.41
Winter Off-Peak: Below Baseline: $0.22 Over: $0.23
Winter Peak: Below Baseline: $0.30 Over: $0.31
Time-Of-Use E-TOU-D: (Peak pricing 5-8pm Weekdays)
Summer Off-Peak: $0.27
Summer Peak: $0.36
Winter Off-Peak: $0.27
Winter Peak: $0.29
https://www.pge.com/tariffs/electric.shtml
I have a Tesla and use their Supercharger network to charge the car, at times.
Cost: $0.34 to $0.35kWh (recently increased from $0.28 and $0.31)
Lately I've been using a ChargePoint station, mostly because it's cheaper than home but it's also convenient:
Cost: $0.19kWh
FINANCIAL
I'm currently invested in some Fidelity funds:
FASMX (Fidelity Asset Manager 50%) is at $19.96
TRRBX (T. Rowe Price Retirement 2020 Fund) is at $23.60
https://quotes.fidelity.com/ftgw/fbc/of ... /get_quote
DJI is 28,323.40
NASDAQ is 11,895.23
S&P 500 is 3,509.44
Daily Treasury Yield Curve Rates (current month)
Date 1 mo 2 mo 3 mo 6 mo 1 yr 2 yr 3 yr 5 yr 7 yr 10 yr 20 yr 30 yr 11/02/20 0.09 0.09 0.09 0.11 0.13 0.16 0.20 0.38 0.63 0.87 1.41 1.63 11/03/20 0.09 0.10 0.10 0.12 0.14 0.17 0.21 0.39 0.65 0.90 1.44 1.66 Election day 11/04/20 0.08 0.09 0.10 0.10 0.12 0.14 0.18 0.33 0.55 0.78 1.33 1.55 11/05/20 0.09 0.10 0.10 0.10 0.12 0.14 0.18 0.33 0.56 0.79 1.32 1.54 11/06/20 0.10 0.10 0.10 0.11 0.12 0.16 0.21 0.36 0.59 0.83 1.37 1.60https://www.treasury.gov/resource-cente ... data=yield
10 Year Treasury Rate is 0.83% (Nov 6th)
https://ycharts.com/indicators/10_year_treasury_rate
US Gross Domestic Product (GDP)
Current 3rd quarter 2020 shows 33.1% increase from previous quarter where it dropped 31.4%
Estimated 2020 GDP is $22.32 trillion (as of March 2020)
https://www.bea.gov/news/2020/gross-dom ... e-estimate
https://www.investopedia.com/insights/w ... economies/
Per Capita Personal Income (thanks George!)
2018: San Jose-Sunnyvale-Santa Clara: $106,213 updated Nov. 2019)
https://fred.stlouisfed.org/series/SANJ906PCPI
2019 Median household income: San Jose-Sunnyvale-Santa Clara: $130,865
https://www.deptofnumbers.com/income/ca ... /san-jose/
Income by ZIP code (95120):
Median Household Income: $185,800
Average Household Income: $217,091
Per Capita Income: $72,890
https://www.incomebyzipcode.com/california/95120
(All income statistics above for 95120, San Jose and Santa Clara County are the most current, comparable income statistics available from the US Census Bureau and are from the American Community Survey 2018 5-year estimates. These values are in 2018 inflation-adjusted dollars and were downloaded on 19 December 2019.)
TAXES
Sales tax rate is: 9.25% (State 6%, County: 0.25%, Local: 2.75%, City: 0.25%)
https://www.avalara.com/taxrates/en/sta ... ounty.html
https://www.salestaxhandbook.com/califo ... ara-county
https://www.cdtfa.ca.gov/taxes-and-fees/rates.aspx
I know income tax rates may be hard to compare over time, especially when tax loopholes are figured in but these are the baseline rates:
California Income Tax Rates (Married filing jointly)
Tax Bracket Tax Rate $0.00+ 1% $17,618.00+ 2% $41,766.00+ 4% $65,920.00+ 6% $91,506.00+ 8% $115,648.00+ 9.3% $590,746.00+ 10.3% $708,890.00+ 11.3% $1,000,000.00+ 12.3% $1,181,484.00+ 13.3%California Income Tax Rates (Single)
Tax Bracket Tax Rate $0.00+ 1% $8,809.00+ 2% $20,883.00+ 4% $32,960.00+ 6% $45,753.00+ 8% $57,824.00+ 9.3% $295,373.00+ 10.3% $354,445.00+ 11.3% $590,742.00+ 12.3% $1,000,000.00+ 13.3%CA rates are indexed for inflation and updated yearly
https://www.tax-brackets.org/californiataxtable
Federal Income Tax Rates
Rate For Single Individuals For Married Individuals Filing Joint Returns For Heads of Households 10% Up to $9,875 Up to $19,750 Up to $14,100 12% $9,876 to $40,125 $19,751 to $80,250 $14,101 to $53,700 22% $40,126 to $85,525 $80,251 to $171,050 $53,701 to $85,500 24% $85,526 to $163,300 $171,051 to $326,600 $85,501 to $163,300 32% $163,301 to $207,350 $326,601 to $414,700 $163,301 to $207,350 35% $207,351 to $518,400 $414,701 to $622,050 $207,351 to $518,400 37% $518,401 or more $622,051 or more $518,401 or morehttps://taxfoundation.org/2020-tax-brackets/
PROPERTY
Zillow says my house (1,955sqft, 4bd, 2.5ba, 8000sqft lot) is worth "one unit"; actual value will be stored in my profile so I can quote it later; you'll have to trust me on this one. Rental estimated at $4,200/mo. And yes I know that real estate values fluctuates wildly all the time but hopefully it will reveal a trend over the years.
I would note that when I sold my parent's house in Mountain View a couple of years ago, the buyer paid $1.1M. It's barely over 1000sqft (3bd, 1ba, 6545sqft lot) and was in what I would consider poor condition but a good area. Current Zillow estimate for that property is $1,182,269.
https://www.zillow.com
Property tax for my house last year (2020/2021): $12,525.32 with $7,000 homeowner exemption
https://www.sccgov.org/sites/dtac/tax/Pages/tax.aspx
https://www.sccassessor.org/index.php/o ... l-property
If there's something you think I missed, please let me know and I'll try to include it.
edit 12/6/20: Added electric rate plans E-1, E-TOU-C and E-TOU-D.