Search found 373 matches

by maroon
Fri Oct 09, 2020 9:23 pm
Forum: Personal Consumer Issues
Topic: Replace one tire on Subaru Outback? Others are just under a year old.
Replies: 15
Views: 1301

Re: Replace one tire on Subaru Outback? Others are just under a year old.

This just happened with my Forester. I bought a new set of tires about a year ago. Recently one got a leak in the sidewall and Discount Tire replaced it under warranty. When I asked if I needed a brand-new set of tires, I was told no because the tread wear of the old tires was not much less than tha...
by maroon
Sun Oct 04, 2020 1:27 am
Forum: Investing - Theory, News & General
Topic: Dying Broke (On Purpose) Article
Replies: 138
Views: 10920

Re: Dying Broke (On Purpose) Article

This is/was my parents' philosophy. In their early retirement, they lived the high life and traveled a lot. Now that they're elderly, they're much less agile (so their traveling days are over), and they're also vocalizing some money concerns. I'd say this "die broke" game is pretty hard to play succ...
by maroon
Sat Sep 26, 2020 10:14 pm
Forum: Personal Consumer Issues
Topic: Carvana or Vroom- ever use it?
Replies: 65
Views: 5498

Re: Sell My Car To Carvana?

Well, I just got a Carvana purchase quote of ~$3,100 for my older, yet super reliable Subaru Forester. Guess I'll be keeping the car 'til it dies! (I didn't provide my car's VIN #, just got the general estimate.)
by maroon
Tue Sep 15, 2020 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: what is your side job and income?
Replies: 87
Views: 10757

Re: what is your side job and income?

This is such an interesting topic! My current side job is contributing to a website. I'd been contributing content for some time and eventually was offered a paid position. I work the part-time hours/schedule I want, and earn a decent amount for a hobby but not enough to live on. My side job is more...
by maroon
Sun Sep 06, 2020 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Sibling loan to a responsible brother
Replies: 16
Views: 1637

Re: Sibling loan to a responsible brother

A couple of years ago, my sister asked me for a loan so she could buy a condo. (Apparently a condo purchase required a larger down payment than a house.) I loaned her the money and she paid me back every month until the loan was satisfied a couple years later. I'd loan her money again, and I hope sh...
by maroon
Sun Aug 23, 2020 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Do you talk to your friends/family/coworkers about this stuff?
Replies: 210
Views: 16817

Re: Do you talk to your friends/family/coworkers about this stuff?

No, I do not. I grew up in a family that didn't (and still doesn't) discuss finances. Also, no one I know wants to make the "sacrifices" I do - living in a tiny house, driving a 10+ year old car, vacationing at home. People don't want financial advice from me.
by maroon
Thu Aug 20, 2020 9:46 am
Forum: Personal Finance (Not Investing)
Topic: How to quit a job for retirement
Replies: 61
Views: 5306

Re: How to quit a job for retirement

Hi OP! Why not give two weeks' notice while on vacation, and have your vacation extend as long as possible? I did that - I went on vacation, emailed my notice, and had a week left in the office after coming back from vacation to wrap things up. (In my case, the director knew I was planning to leave,...
by maroon
Sun Aug 16, 2020 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance + ACA Subsidies + Early Retirement
Replies: 35
Views: 2505

Re: Health Insurance + ACA Subsidies + Early Retirement

I want to waive my prior employers insurance and buy from the marketplace instead, but I've read in a couple of places things that make it seem like if I waive my prior employers health insurance coverage, I will not qualify for the subsidies... Even if their insurance isn't accepted where we reloc...
by maroon
Sun Aug 16, 2020 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance + ACA Subsidies + Early Retirement
Replies: 35
Views: 2505

Re: Health Insurance + ACA Subsidies + Early Retirement

I've been investigating the same thing. The best reference I've run across so far is this: https://www.healthcare.gov/have-job-bas ... lace-plan/

I'm very interested in this topic and hope others will comment. :happy
by maroon
Thu Aug 13, 2020 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Spending
Replies: 79
Views: 8275

Re: Struggling with Spending

I also struggle with spending. I don't earn a whole lot of money (compared to many here), and I save much of it because: a) I don't want to have to work when I'm old. b) I've financially supported various relatives over the years; I don't envision having anyone to help me out financially when I'm ol...
by maroon
Sat Aug 08, 2020 2:45 am
Forum: Personal Finance (Not Investing)
Topic: Starting divorce process - how to succeed financially?
Replies: 79
Views: 10393

Re: Starting divorce process - how to succeed financially?

Stay away from real estate, especially a $3.3 million building. If your investment goes south, you could be living on much less than $100K/year. Side note: do you really need $100K/year for living expenses? Also, the tone of your post indicates some bitterness, IMO. Perhaps keep the funds in a money...
by maroon
Sat Aug 01, 2020 12:46 am
Forum: Personal Consumer Issues
Topic: Middle of Nowhere Retirement
Replies: 108
Views: 12795

Re: Middle of Nowhere Retirement

Or you could have it at 55 and miss out on 20+ years of active living:) When you read through this there tends to be a big gap between a) living in small town america. Sure you might have to drive an hour, but you are still pretty close to most of civilization. You can probably even get decent inte...
by maroon
Sat Aug 01, 2020 12:26 am
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 222
Views: 12028

Re: Does a couple really "need" an SUV?

I "need" an SUV as I live on a dirt road and streets get flooded at least annually. My SUV, an older Forester, performs very well on unpaved roads and in the rain.
by maroon
Sat Jul 04, 2020 9:58 am
Forum: Personal Finance (Not Investing)
Topic: What to do with all this MONEY ?
Replies: 201
Views: 21218

Re: What to do with all this MONEY ?

Right now the OP has the opportunity to spend money in ways to immediately and perhaps dramatically improve others' lives. For example, I've read several articles about anonymous donations to local food resources. I'd love to be able to help,and OP has the chance! Regarding inheritances, I'm not exp...
by maroon
Sat May 30, 2020 1:36 am
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 88
Views: 5918

Re: New Vehicle: Forester or Rav4 for boglehead couple

Forester owners: "Get the Forester."
RAV4 owners: "Get the RAV4."
I'm a Forester owner. :happy
by maroon
Fri May 22, 2020 3:54 am
Forum: Personal Consumer Issues
Topic: Buying tires for 2017 Subaru Outback
Replies: 29
Views: 1888

Re: Buying tires for 2017 Subaru Outback

This is very much a personal preference issue. I used to have Michelin Premier A/S tires on my Forester. They were fine. These days I have the Continental Control Contact Tour tires and like them better than the Michelins for the money. I'm loyal to Discount Tire as they once fixed a leak - for free...
by maroon
Sat May 09, 2020 2:16 am
Forum: Personal Investments
Topic: College age kid wrecked his car...
Replies: 113
Views: 6346

Re: College age kid wrecked his car...

Glad your son is okay after such an upsetting experience. Why spend $8K - $10K on a replacement vehicle? The car I'm driving right now - an older Forester - isn't worth that much.
by maroon
Thu Apr 30, 2020 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Quitting a job after two weeks: relocation expenses
Replies: 196
Views: 18115

Re: Quitting a job after two weeks: relocation expenses

I changed jobs/employers about a month ago. My new position is only tangentially related to my old job - it requires the skill set I already have, but the job duties are quite different. I was scheduled to go to training my first week, but the training workshop got cancelled. So I've spent this past...
by maroon
Sun Apr 05, 2020 11:37 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 55986

Re: How Is Your Job Being Impacted By The Current Crisis?

I started a brand-new job this week in local government. I went to work M-W, then worked from home Th-Fr. (Kudos to my new employer for not retracting the job offer!) No layoffs, but the building is closed to the public and employees are largely working from home. This is really a strange time to st...
by maroon
Sun Dec 29, 2019 6:43 pm
Forum: Personal Consumer Issues
Topic: Good, Cheap, Fast - Pick 3
Replies: 20
Views: 2904

Re: Good, Cheap, Fast - Pick 3

Today I was thinking about the adage, "Good, fast, cheap - you can only pick 2." Are there any products you think are good, fast, and cheap? Off the top of my head, I'm thinking of In-N-Out Burger's burgers. What say you? Good is subjective. Good tasting, maybe. Good for you? Nope. User name checks...
by maroon
Sat Dec 28, 2019 8:16 pm
Forum: Personal Consumer Issues
Topic: Good, Cheap, Fast - Pick 3
Replies: 20
Views: 2904

Good, Cheap, Fast - Pick 3

Today I was thinking about the adage, "Good, fast, cheap - you can only pick 2."

Are there any products you think are good, fast, and cheap? Off the top of my head, I'm thinking of In-N-Out Burger's burgers. What say you?
by maroon
Fri Oct 11, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: $575 to replace rear brake pads and rotors on a 2017 Subaru Forester?
Replies: 64
Views: 5162

Re: $575 to replace rear brake pads and rotors on a 2017 Subaru Forester?

It does seem too early. My Forester is 10 years old with > 125K miles and has never needed a brake job. I'm at the dealership regularly for my free oil changes; I'm surprised they haven't suggested brakes by now.
by maroon
Mon Sep 30, 2019 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: New job and dislike it ... go back to old employer?
Replies: 43
Views: 4892

Re: New job and dislike it ... go back to old employer?

During the bus ride, why not listen to podcasts, or sleep, or read a book, or whatever. I'd love to get paid > $100K/year for a non-stressful job with a 4-day work week. Sign me up! Don't go back to a toxic work environment, look for another job instead. (Or learn to appreciate the boring, slow job ...
by maroon
Thu Sep 26, 2019 1:08 am
Forum: Personal Finance (Not Investing)
Topic: Success stories of NOT buying more/too much house
Replies: 109
Views: 19307

Re: Success stories of NOT buying more/too much house

I own a true tiny house. It's a custom-built casita, not the portable kind on wheels. I bought it as a foreclosure for less than a year's salary. Honestly I'd prefer a bigger house, but living in a tiny house is enabling me to retire early (presuming I figure out the health insurance part). I have n...
by maroon
Wed Sep 11, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 5213

Re: Best Dog Car?

This doesn't exactly answer your question, but what about using a dog car hammock for the back seat?
by maroon
Sun Sep 08, 2019 8:57 am
Forum: Personal Finance (Not Investing)
Topic: When do you start gifting the max to your family members? When is enough NW totally enough?
Replies: 80
Views: 10065

Re: When do you start gifting the max to your family members? When is enough NW totally enough?

I have no clue. My MIL lives on SS with supplements from us. My parents advised me for many years that they plan to spend all their money and I shouldn't expect any inheritance. Fine, but now they're running out of money, too.
by maroon
Fri Sep 06, 2019 9:26 am
Forum: Personal Finance (Not Investing)
Topic: How often do you receive out-of-sequence pay bumps?
Replies: 56
Views: 3602

Re: How often do you receive out-of-sequence pay bumps?

This is an interesting topic. I've been with my employer for over 10 years. Once I received an unanticipated, off-cycle raise after a my employer conducted a market review of my unit. Another time I received raise when I was promoted. Another time I received a raise when I was offered another job an...
by maroon
Fri Aug 23, 2019 8:54 pm
Forum: Personal Consumer Issues
Topic: Honda CRV, Accord, or Toyota RAV? UPDATE
Replies: 57
Views: 5559

Re: Honda CRV, Accord, or Toyota RAV?

Of the presented choices, I'd suggest the Toyota RAV. But the better choice is the Subaru Forester. It's easy to drive, with great visibility and very capable AWD. (Disclaimer: I own a Forester.)
by maroon
Mon Jul 22, 2019 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: When family members fight over the check when out to eat
Replies: 103
Views: 8949

Re: When family members fight over the check when out to eat

So far I think none of the responses have applied to my family dynamics. When my siblings and parents and I go out to eat, typically my parents will choose the restaurant (unless it's a family member's birthday). When the bill comes, my mother assigns the bill to a family member of her choice and t...
by maroon
Mon Jul 22, 2019 11:08 am
Forum: Personal Finance (Not Investing)
Topic: When family members fight over the check when out to eat
Replies: 103
Views: 8949

Re: When family members fight over the check when out to eat

So far I think none of the responses have applied to my family dynamics. When my siblings and parents and I go out to eat, typically my parents will choose the restaurant (unless it's a family member's birthday). When the bill comes, my mother assigns the bill to a family member of her choice and th...
by maroon
Sun Jul 21, 2019 11:44 pm
Forum: Personal Consumer Issues
Topic: Will Tall Fence Lessen Neighboring Dog Bark Noise?
Replies: 54
Views: 3509

Re: Will Tall Fence Lessen Neighboring Dog Bark Noise?

Nope! When I lived in town, my next-door neighbor's dog would bark whenever he heard me in my own back yard, even though he couldn't see me.
I'm glad I no longer live in that house.
by maroon
Sun Jul 21, 2019 1:04 am
Forum: Personal Finance (Not Investing)
Topic: MBA worth it?
Replies: 95
Views: 9332

Re: MBA worth it?

I also think it depends. I attended night school at the local public university; my employer at the time paid 80% of my tuition costs. An MBA isn't strictly required for my position, but many of us in this job have earned an MBA. For me, the expense was worth it. Then again, I paid considerably less...
by maroon
Mon Jul 08, 2019 11:32 am
Forum: Investing - Theory, News & General
Topic: Americans believe they need $1.7 million, on average, to retire
Replies: 284
Views: 32408

Re: Americans believe they need $1.7 million, on average, to retire

Seriously?

I know multiple people living solely on Social Security, so < $20K/year. The $1.7 million figure would seem ludicrous to them. It's somewhat ludicrous to me, actually, and I'm a high saver.
by maroon
Thu Jul 04, 2019 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Employers asking salaries
Replies: 47
Views: 6955

Re: Employers asking salaries

Yes, I think the reason employers ask about salaries is to determine the lowest salary they can offer. A couple of years ago, I completed an online job application that included a question about my minimum salary requirement. An answer was required and the field wouldn't accept "negotiable" or anyth...
by maroon
Thu Jul 04, 2019 1:34 am
Forum: Personal Finance (Not Investing)
Topic: Would we regret buying a 2nd home?
Replies: 90
Views: 10518

Re: Would we regret buying a 2nd home?

I had a 2nd home about two hours away from my 1st home. Eventually sold the pricier 1st home and downsized to the 2nd home. While I had both houses, the 2nd home was almost a burden because I felt I had to visit each weekend to perform maintenance/upkeep. Come on, every weekend? Did every one on th...
by maroon
Wed Jul 03, 2019 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Would we regret buying a 2nd home?
Replies: 90
Views: 10518

Re: Would we regret buying a 2nd home?

I had a 2nd home about two hours away from my 1st home. Eventually sold the pricier 1st home and downsized to the 2nd home.
While I had both houses, the 2nd home was almost a burden because I felt I had to visit each weekend to perform maintenance/upkeep.
by maroon
Wed Jul 03, 2019 10:49 pm
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 7930

Re: How to avoid high vet bills?

My vet also declines to work with online pharmacies, but will write a prescription. So my 18-year-old dog's arthritis prescription is filled at the grocery store at ~$35/month rather than at the vet at ~$70/month. I also checked Walmart, but the grocery store is cheaper. I didn't know cataract surge...
by maroon
Sat Jun 29, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Underpaid in bay area, seeking advice negotiating salary
Replies: 30
Views: 3807

Re: Underpaid in bay area, seeking advice negotiating salary

Another vote to take the offer.
I'd love to be offered a 40% raise for less responsibility. I'd welcome less stress in my life and it'd help with my FIRE plan.
by maroon
Wed Jun 19, 2019 3:10 pm
Forum: Personal Investments
Topic: Topic: tiny house + property good or bad investment?
Replies: 39
Views: 3612

Re: Topic: tiny house + property good or bad investment?

I own a tiny house on a rural acreage. It's a custom-built house on a permanent foundation. Before buying land, check the property's covenants/restrictions and check access to electricity and water. In my immediate area, manufactured homes are prohibited; only custom homes are allowed (no minimum si...
by maroon
Mon Jun 17, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 7930

Re: How to avoid high vet bills?

My dog is 18 and hasn't needed to be "replaced" yet. I've taken him to several vets over the years, and I've noticed pricing isn't super consistent. So my advice would be to check other veterinarians' pricing. I'm very happy with the current vet, which was a referral from neighbors. (I've also revie...
by maroon
Sun Jun 16, 2019 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: With hindsight, what signs indicated you were about to lose your job?
Replies: 127
Views: 14105

Re: With hindsight, what signs indicated you were about to lose your job?

Interesting topic. For me, it was when I was assigned an assistant and directed to train her on all my job functions. (I was the only one in the company performing a specific set of duties.) A couple of months later - I forget the exact timing - I was told my assistant would be taking over and my se...
by maroon
Tue Jun 11, 2019 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: 2015 subaru forester 96k, replace or run into the ground?
Replies: 24
Views: 2292

Re: 2015 subaru forester 96k, replace or run into the ground?

Another vote to keep it. My 2010 Forester has ~122K miles and is doing great. :happy It's been a super reliable vehicle.
by maroon
Sat Jun 01, 2019 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to pay for our kid's college (at all)?
Replies: 234
Views: 16406

Re: Can we afford to pay for our kid's college (at all)?

Hey, here's an idea - why not encourage your son to be a Starbucks barista? Then Starbucks can pay for your son's education.
by maroon
Tue May 14, 2019 7:07 pm
Forum: Personal Consumer Issues
Topic: Dealer or Local Mechanic?
Replies: 41
Views: 2234

Re: Dealer or Local Mechanic?

For oil changes, I go to the dealership since it's free. I think I've gotten about 30 free oil changes by now. (I thought the freebie would end after my car hit 100K miles. Nope; still free.) For the 30K, 60K, 90K, 120K routine maintenance, I went to the dealer as they'll loan me a vehicle to get to...
by maroon
Fri May 10, 2019 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Subaru CPO - Friends and family extended warranty price
Replies: 24
Views: 5338

Re: Subaru CPO - Friends and family extended warranty price

I believe the gold warranty is bumper-to-bumper, whereas the CPO extended warranty is powertrain only.
by maroon
Fri May 10, 2019 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Subaru CPO - Friends and family extended warranty price
Replies: 24
Views: 5338

Re: Subaru CPO - Friends and family extended warranty price

I can't comment on the car purchase price, but that sounds like a great warranty price. I'd buy it. Congratulations on your new Outback! My Forester has 120K miles and is running strong. Out of warranty my Forester's had a broken sunroof track (which Subaru repaired for free) and control arm bushing...
by maroon
Tue Apr 30, 2019 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Housing: "Super Savers" vs. the "Rest"...
Replies: 85
Views: 10232

Re: Housing: "Super Savers" vs. the "Rest"...

I live in a tiny house; my housing-related expenses are minimal (property taxes, insurance and utilities). I save ~40% of income, hoping to retire early. I'm not downsizing at retirement; I've already done it and it's been a positive change for me. Thanks, OP, for posting this interesting topic for ...
by maroon
Mon Feb 25, 2019 11:29 pm
Forum: Personal Consumer Issues
Topic: How often do you and your friends change engine oil?
Replies: 167
Views: 9734

Re: How often do you and your friends change engine oil?

I take my car to the dealership for a free oil change every ~3,000 miles.