Search found 4878 matches

by protagonist
Wed Nov 22, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: Tire size, and wheels for snow tires
Replies: 1
Views: 45

Tire size, and wheels for snow tires

I just bought a 2017 Hyundai Elantra Limited. The stock tires are 225/45R/17. By my calculations, I would think that 205/55R/16 tires would be compatible, and from what I read (about a topic that I know nothing about), they may be better for winter driving in MA. Questions: 1. Am I correct? 2. Will ...
by protagonist
Wed Nov 22, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: New car buyers...you should consider financing
Replies: 37
Views: 2656

Re: New car buyers...you should consider financing

Anyone purchased one on credit card before? Navy Federal CC has 0% for a year on any purchases over $500. I didn't encounter a dealer who would accept a credit card for anywhere near the whole purchase price. My dealer took $2500 on my CC (max). The Honda dealer said $2K was his max. This is typica...
by protagonist
Tue Nov 21, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing tax lots to sell
Replies: 17
Views: 1473

Re: Choosing tax lots to sell

[Post removed --admin LadyGeek] Ugh. Bizarre. Anyway, I sold the lots with the smallest gains as per Livesoft's suggestion above. I thank everybody for your valuable input. Clearly there is no simple right or wrong answer to this issue, and it is just a matter of guessing which strategy will be mos...
by protagonist
Tue Nov 21, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: New car buyers...you should consider financing
Replies: 37
Views: 2656

Re: New car buyers...you should consider financing

I'm a "pay with cash, hate any debt" guy. Stop right there. That said, I took a new car loan at 5.9%. Oops. Skimming over your story. Obviously neither the dealer nor anybody else expects you to take out a loan and pay it back the next day--or makes money when you do. So my impression is that you p...
by protagonist
Mon Nov 20, 2017 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing tax lots to sell
Replies: 17
Views: 1473

Re: Choosing tax lots to sell

I have good news and bad news. The good news: losses come off the top, so they will reduce your 28% income before they reduce 15% income. The bad news: you can use a maximum of only $3,000 a year in capital losses to reduce ordinary income, a number that has not ever been adjusted for inflation. As...
by protagonist
Mon Nov 20, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Snow tires- are Hankooks any good?
Replies: 18
Views: 967

Re: Studded vs. non-studded snow tires for MA

I live in Western MA. Most of my winter driving is highway driving between MA and NYC on weekends. Otherwise it is largely limited to driving around town a few times a week. I am very rarely on country roads in the winter. Would you recommend studded or non-studded snow tires, and why? For the type...
by protagonist
Mon Nov 20, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: New car buyers...you should consider financing
Replies: 37
Views: 2656

Re: New car buyers...you should consider financing

There are some excellent "how-to" postings that make the process MUCH more sanitary than OP's experience. I agree. This is more of a real life experience post as an addendum to those you mention, addressing some fine points that you may encounter ("tricks of the trade"). I think I made it sound muc...
by protagonist
Mon Nov 20, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: New car buyers...you should consider financing
Replies: 37
Views: 2656

Re: New car buyers...you should consider financing

It is not clear why you decided to finance the vehicle at 5.9%, or why you are suggesting that others should consider financing. You stated that when you offered to pay cash, they offered you 0.9% financing. You agreed to this because you can earn more in your savings account. But when they said yo...
by protagonist
Mon Nov 20, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Snow tires- are Hankooks any good?
Replies: 18
Views: 967

Re: Snow tires- are Hankooks any good?

Any thoughts as to which are better, Hankook iPikes or Hankook iCepts?

My gut feeling is to avoid studs.
by protagonist
Mon Nov 20, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Snow tires- are Hankooks any good?
Replies: 18
Views: 967

Re: Snow tires- are Hankooks any good?

Some winters we get a lot of snow and some winters we hardly get any. If the weather is really bad I can usually postpone my trips...I am rarely if ever forced to drive in horrible weather. Temps in Jan and Feb seem to hover around freezing most days (20s, 30s) though on rare occasions can go below ...
by protagonist
Mon Nov 20, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: New car buyers...you should consider financing
Replies: 37
Views: 2656

New car buyers...you should consider financing

I'm a "pay with cash, hate any debt" guy. That said, I took a new car loan at 5.9%, and I will explain why. I think my story is common. When I offered to pay cash, the dealer said he could offer a loan at 0.9% (some say 0%), and I said fine, knowing I am making 1.35% in an internet bank account. The...
by protagonist
Mon Nov 20, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Snow tires- are Hankooks any good?
Replies: 18
Views: 967

Studded vs. non-studded snow tires for MA

I live in Western MA. Most of my winter driving is highway driving between MA and NYC on weekends. Otherwise it is largely limited to driving around town a few times a week. I am very rarely on country roads in the winter.

Would you recommend studded or non-studded snow tires, and why?
by protagonist
Mon Nov 20, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Snow tires- are Hankooks any good?
Replies: 18
Views: 967

Re: Snow tires- are Hankooks any good?

Thanks , all of you. I'm convinced now to get the Hankooks.
by protagonist
Mon Nov 20, 2017 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Choosing tax lots to sell
Replies: 17
Views: 1473

Re: Choosing tax lots to sell

I have a lot of unrealized losses and some unrealized gains. My rule is to take whatever gains would bring me up to the top of whatever tax bracket I consider appropriate. I prefer the 0% bracket, so I'm planning to take gains to take me up to the top of the 0% bracket. It's hard to beat that! If y...
by protagonist
Mon Nov 20, 2017 12:12 am
Forum: Personal Consumer Issues
Topic: Snow tires- are Hankooks any good?
Replies: 18
Views: 967

Snow tires- are Hankooks any good?

I have been researching snow tires, and Hankooks actually seem to get very good reviews on multiple sites, despite being at least $50 cheaper per tire at Discount Tire than Michelins or Bridgestones. I am surprised. And skeptical.

Anybody with experience?
by protagonist
Mon Nov 20, 2017 12:09 am
Forum: Personal Consumer Issues
Topic: Hyundai Elantra Special Edition- any thoughts?
Replies: 21
Views: 1451

Re: Hyundai Elantra Special Edition- any thoughts?

We have a 2014 Elantra SE that we bought new and included the back-up camera, Bluetooth, and heated seats which, at least at the time, was pretty nice for an economy priced car. Been happy with it. Average MPG has been around 35 and long road trips we'll get 40-42 mpg. Hard to beat that in its car ...
by protagonist
Mon Nov 20, 2017 12:03 am
Forum: Investing - Help with Personal Investments
Topic: Choosing tax lots to sell
Replies: 17
Views: 1473

Re: Choosing tax lots to sell

I have a lot of unrealized losses and some unrealized gains. My rule is to take whatever gains would bring me up to the top of whatever tax bracket I consider appropriate. I prefer the 0% bracket, so I'm planning to take gains to take me up to the top of the 0% bracket. It's hard to beat that! If y...
by protagonist
Sun Nov 19, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing tax lots to sell
Replies: 17
Views: 1473

Re: Choosing tax lots to sell

I have a lot of unrealized losses and some unrealized gains. My rule is to take whatever gains would bring me up to the top of whatever tax bracket I consider appropriate. I prefer the 0% bracket, so I'm planning to take gains to take me up to the top of the 0% bracket. It's hard to beat that! If y...
by protagonist
Sat Nov 18, 2017 11:21 pm
Forum: Personal Consumer Issues
Topic: Hyundai Elantra Special Edition- any thoughts?
Replies: 21
Views: 1451

Re: Hyundai Elantra Special Edition- any thoughts?

I just googled it.... 2017 Hyundai Elantra/MPG Up to 32 city / 40 highway I don't know if that is accurate or not. But if so, with a 14 gal. tank (larger than the Civic, Fit or Corolla), that translates to a potential range of 500 + miles between fill-ups. The difference between a car that gets 30 m...
by protagonist
Sat Nov 18, 2017 10:59 pm
Forum: Personal Consumer Issues
Topic: Hyundai Elantra Special Edition- any thoughts?
Replies: 21
Views: 1451

Re: Hyundai Elantra Special Edition- any thoughts?

I'm really not fussy about cars. As long as they drive ok and are durable that is good enough for me. That's always been my attitude. That said, the features available in the new cars are pretty seductive, unlike the older ones which had heat, A/C , cruise control, a CD player and not much else wor...
by protagonist
Sat Nov 18, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: Hyundai Elantra Special Edition- any thoughts?
Replies: 21
Views: 1451

Re: Hyundai Elantra Special Edition- any thoughts?

I have a 2009 Honda Fit and a 2010 Hyundai Elantra Fit: better gas millage average 32-33mpg acceleration is better mechanically very durable except for A/C a lot of cheap not as durable plastic interior parts and the paint scratches and body dents on the exterior if you blow on it. Elantra Nicer in...
by protagonist
Sat Nov 18, 2017 7:48 pm
Forum: Personal Consumer Issues
Topic: Hyundai Elantra Special Edition- any thoughts?
Replies: 21
Views: 1451

Re: Hyundai Elantra Special Edition- any thoughts?

I just bought the car. I will look out for the blind spot. I imagine the blind spot detection system, assuming it works well, will eliminate that problem (at least once I get used to using it...that is if I am still alive and kicking). I eliminated the blind spot issue on my 2006 Element and on my g...
by protagonist
Sat Nov 18, 2017 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing tax lots to sell
Replies: 17
Views: 1473

Re: Choosing tax lots to sell

Thanks for your perspective, livesoft. You make a good point. I haven't bought stock in over a decade, so all of my tax lots have huge gains....probably all over 100%. Whatever I do will eat up lots of carryover losses, which makes me hesitant to sell. I realize that is the cart dragging the horse, ...
by protagonist
Sat Nov 18, 2017 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing tax lots to sell
Replies: 17
Views: 1473

Choosing tax lots to sell

My situation: -65 y o retiree, not taking SS, income very low- I pay state income tax but barely pay any federal if any. - Next year I start getting spousal benefits. Age 70 I get SS and have to start taking RMDs. So my income tax will increase. - I think about $150K in carryover losses Under those ...
by protagonist
Fri Nov 17, 2017 10:13 pm
Forum: Personal Consumer Issues
Topic: Hyundai Elantra Special Edition- any thoughts?
Replies: 21
Views: 1451

Re: Hyundai Elantra Special Edition- any thoughts?

I think $7000 off MSRP is a great deal. The Elantra is a great car and Hyundai really picked up their quality in recent years. I would take it! Thanks. I probably will. I have emailed about 50 dealers and so far nobody has given me a better price than my local dealer down the street (the price abov...
by protagonist
Fri Nov 17, 2017 6:55 pm
Forum: Personal Consumer Issues
Topic: Hyundai Elantra Special Edition- any thoughts?
Replies: 21
Views: 1451

Re: Hyundai Elantra Special Edition- any thoughts?

Thank you , Tamarind and Harrington. To somebody who has been a loyal Honda driver since the 80s that is reassuring.
I live in MA so winter handling is important.
by protagonist
Fri Nov 17, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Hyundai Elantra Special Edition- any thoughts?
Replies: 21
Views: 1451

Re: Hyundai Elantra Special Edition- any thoughts?

I think $7000 off MSRP is a great deal. The Elantra is a great car and Hyundai really picked up their quality in recent years. I would take it! Thanks. I probably will. I have emailed about 50 dealers and so far nobody has given me a better price than my local dealer down the street (the price abov...
by protagonist
Thu Nov 16, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Hyundai Elantra Special Edition- any thoughts?
Replies: 21
Views: 1451

Hyundai Elantra Special Edition- any thoughts?

The local dealer is offering a new 2017 with the Ultimate (top end) Package for $7000 below MSRP. $21280 plus state tax and license/registration fees.

That's about $2000 less than a Honda Civic EX Hatchback with Honda Sensing.

Anybody have experience with this car and care to comment?

Thanks.
by protagonist
Wed Nov 15, 2017 10:30 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Hybrid EX-L- great deal or not?
Replies: 26
Views: 1788

Re: Honda Accord Hybrid EX-L- great deal or not?

I was excited a day or two ago and ready to jump at the deal. But I am having reservations. Though the Accord Hybrid is definitely a nicer car than a Civic Hatchback in similar trim (and roughly $4500 more expensive than the 2018 Civic Hatchback despite the 2017 Accord Hybrid being a great deal), th...
by protagonist
Wed Nov 15, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Honda Accord Hybrid EX-L- great deal or not?
Replies: 26
Views: 1788

Re: Honda Accord Hybrid EX-L- great deal or not?

I'm actually rethinking and may opt for a Civic EX Hatchback instead.

I doubt that I can get nearly as good a deal on the Civic Hatchback, but I like the idea of more cargo space and ease of city parking.

I'm suffering from analysis paralysis.
by protagonist
Tue Nov 14, 2017 9:46 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Hybrid EX-L- great deal or not?
Replies: 26
Views: 1788

Re: Honda Accord Hybrid EX-L- great deal or not?

If you already wanted an Accord, that seems like a pretty good discount to get one new kjvm I'm on the fence about what I want. When I bought my Element it was the best car for my needs...I knew that right away. Now I have test driven several cars and they each have their advantages and disadvantag...
by protagonist
Tue Nov 14, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Hybrid EX-L- great deal or not?
Replies: 26
Views: 1788

Re: Honda Accord Hybrid EX-L- great deal or not?

Well, personally I would never buy a hybrid since oil (gasoline) is cheap and in over-supply (the shale boom had a lot to do with this). And hybrid cars are more complex and could easily have higher repair costs over the long haul. That's probably why I think the price is low, as there is a demand ...
by protagonist
Tue Nov 14, 2017 5:29 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Hybrid EX-L- great deal or not?
Replies: 26
Views: 1788

Honda Accord Hybrid EX-L- great deal or not?

The local Honda dealer is offering a $7000 incentive on a new (leftover) 2017 Hybrid Accord EX-L (part dealer and part Honda incentive). He has one leftover on the lot . MSRP $32905 "Total Vehicle Price" $33790 (incl. destination charge) With the incentive that would bring the price down to $26790. ...
by protagonist
Tue Nov 14, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: Typical Dealership Documentation Fee in MA??
Replies: 25
Views: 9941

Re: Typical Dealership Documentation Fee in MA??

Old thread, but I just came across this, which might prove useful. http://www.dowd.com/2012/02/29/massachusetts-car-buyers-charged-hundreds-in-document-fees/ According to that reference, "There is a statute that deals with this practice by dealers. It says: “Dealers who procure, or assist purchasers...
by protagonist
Sun Nov 12, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Why NOT make more money?
Replies: 195
Views: 15717

Re: Why NOT make more money?

There is a thread about "why make more money"? So this one is to discuss about the other side of the story. For myself, I am actually in the middle and in a difficult situation to go either way. Here is my situation (said before in other threads): We are in early 50s and have achieved financial ind...
by protagonist
Sun Nov 12, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 140
Views: 9420

Re: Anyone planning on getting the new Pixel phone?

I do use Google Maps though on trips, but haven't done that yet to see how much data it uses. Tip: Use Data Saver mode when driving, see: https://support.google.com/pixelphone/answer/7055392?hl=en Waze and Google Maps don't use a huge amount. I use them both just about every weekend when I do a 320...
by protagonist
Sun Nov 12, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: Warm Shirt for Winter
Replies: 41
Views: 4127

Re: Warm Shirt for Winter

I use polypropylene long sleeve shirts that I also use when backpacking. They wick moisture away and dry quickly and come in a variety of weights so you can get the warmth that you need. Another reason I like them is because I can throw a coat on over them and generally be comfortable outside as we...
by protagonist
Sun Nov 12, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Why NOT make more money?
Replies: 195
Views: 15717

Re: Why NOT make more money?

There is a thread about "why make more money"? So this one is to discuss about the other side of the story. For myself, I am actually in the middle and in a difficult situation to go either way. Here is my situation (said before in other threads): We are in early 50s and have achieved financial ind...
by protagonist
Fri Nov 10, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: Questions about buying a used car
Replies: 9
Views: 560

Re: Questions about buying a used car

Thanks for comments above. Are manufacturer's warranties transferable to second parties buying used cars? This might answer my question (from Autotrader): "In most cases, automotive warranties are based on the vehicle identification number (VIN), and the warranty will be valid regardless of ownershi...
by protagonist
Fri Nov 10, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Comments on Kia Soul?
Replies: 36
Views: 1718

Re: Comments on Kia Soul?

Which color(s) are most likely to be stolen? According to the Australian statistics linked by TravelGeek, there are more white cars on the roads than other colors. If the base rate of white cars is higher, more of them are stolen. The specifics depend on the thief. A professional thief will choose ...
by protagonist
Fri Nov 10, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Comments on Kia Soul?
Replies: 36
Views: 1718

Re: Comments on Kia Soul?

Another question for Kia owners....

Kias come with great warranties.

Have you had any issues getting warranty service on your car?
by protagonist
Fri Nov 10, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Questions about buying a used car
Replies: 9
Views: 560

Questions about buying a used car

I noticed Hertz sells cars from their fleet and has some seemingly good deals on late model used cars, certified and with Carfax history reports. Three questions: 1. Is it a bad idea to buy from Hertz, given the way many renters treat their rental cars? 2. How reliable are Carfax reports? Are all ac...
by protagonist
Fri Nov 10, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: How to buy a new car with a trade-in.
Replies: 24
Views: 1524

Re: How to buy a new car with a trade-in.

You wouldn't think that my car had a problem from driving it....it drives fine...but the engine light is on and it failed inspection based on a cylinder misfire. I changed the spark plug myself and switched the ignition coils myself between the "bad" cylinder and a good one....same cylinder misfired...
by protagonist
Fri Nov 10, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Comments on Kia Soul?
Replies: 36
Views: 1718

Re: Comments on Kia Soul?

I drove a Kia Soul for 2 months as a rental. It was OK, but the reason I'd never buy one is that is has really bad blind spots because of the wide roof pillars (do a web-search on "kia soul blind spot" to find info on this). I was afraid to change lanes for the entire 2 months. I'd suggest checking...
by protagonist
Fri Nov 10, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Comments on Kia Soul?
Replies: 36
Views: 1718

Re: Comments on Kia Soul?

I had a Kia Soul (2014 model, I believe?). It wasn't bad, but it had a lot of road noise. Perhaps the models have improved, but the road noise struck me as particularly annoying at the time. A friend of mine with the same make/model/year also commented on the road noise. My experience, too, for a K...
by protagonist
Fri Nov 10, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Comments on Kia Soul?
Replies: 36
Views: 1718

Re: Comments on Kia Soul?

Not important at all: 1. Color I don't care about color esthetics but after I've read that white cars are more noticeable by other drivers I buy only white cars. I consider it a free safety feature. Victoria I have always wondered what the safest color for a car was? Have I convinced you? Victoria ...
by protagonist
Fri Nov 10, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: Best strategy for selling cell phone on Ebay?
Replies: 27
Views: 1421

Re: Best strategy for selling cell phone on Ebay?

TO ALL WHO RECOMMENDED SWAPPA....THANK YOU!

I sold my phone on Swappa within less than 24 hours of listing it and got more than I thought I would for it. It all went smoothly, and yes, I agree, it seems more secure than eBay.

Great tip! Thanks!!
by protagonist
Thu Nov 09, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: How to buy a new car with a trade-in.
Replies: 24
Views: 1524

Re: How to buy a new car with a trade-in.

Get a written offer from Carmax Interesting. How is Carmax different than any other dealer? I have a 2006 Honda. It failed inspection. The engine light stays on. It is perfectly driveable (I have 60 days on the failed inspection) but it has an issue that is too expensive to be worth fixing. I don't...
by protagonist
Thu Nov 09, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: How to buy a new car with a trade-in.
Replies: 24
Views: 1524

Re: How to buy a new car with a trade-in.

Get a written offer from Carmax Interesting. How is Carmax different than any other dealer? I have a 2006 Honda. It failed inspection. The engine light stays on. It is perfectly driveable (I have 60 days on the failed inspection) but it has an issue that is too expensive to be worth fixing. I don't...
by protagonist
Thu Nov 09, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Comments on Kia Soul?
Replies: 36
Views: 1718

Comments on Kia Soul?

I have driven Hondas since the mid-80s and have been extremely pleased. My assumption (backed up by reviewers year after year) is that, generally, Honda and Toyota make the best cars. Whenever I have branched out to other manufacturers I have been burned. Reliability is very important to me as I ten...