Did you recently take on (or consider) a loan of 84 months or longer on a car purchase?
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Chronic Car Buyers Anonymous (Archived)
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If I needed something right now a 27 month lease would be perfect logistically. Too bad we would have no interest in a GX!
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
If my truck lease was up … I’d consider a strong lease on a GX.
2025 Ram 1500 Laramie 4x4 / 2023 Mercedes EQE 350 4Matic
4 months ago, my wife diagnosed with breast cancer. Outpatient surgery for a lumpectomy. All is well.
About $40K in charges, so far. Medicare contracts knock that down to $12,500. Medicare has paid $10K and her supplement policy has picked up the other $2500.
Not one penny out of pocket.
With your typical Advantage plan, you'd have a deductible, co-pays and a max OOP. (just like your typical ACA plan your job pays for). She'd be out $5000 this year, already (depending on the Advantage plan).
Seems like a good deal for the $115/mo. she pays for the supplement.
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2001 Prelude Type SH, 2022 Highlander XLE AWD, 2025 Camry SE AWD
My post was more about insurance, though. Advantage plans make a ton of money for insurance companies, mostly by restricting access, and having the policy holder pickup a lot of the costs. That's why they advertise the hell out of it. It's generally a bad deal, all the way around, for the consumer.
Also, if you think you can extrapolate your healthcare needs into your senior years, by how it's gone before that, then there is a great chance you'll be unpleasantly surprised.
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2023 Hyundai Kona Limited AWD (wife) / 2025 VW GTI (me) / 2019 Chevrolet Cruze Premier RS (daughter #1) / 2020 Hyundai Accent SE (daughter #2) / 2023 Subaru Impreza Base (son)
2001 Prelude Type SH, 2022 Highlander XLE AWD, 2025 Camry SE AWD
Starting to get that itch I know you guys get from time to time. Last time, 2014, we bought new vehicles within a week of each other. Figure sooner then later, I'll be going on a few test drives just to see. I did like that Buick Encore GX truth be told and also the Kia Seltos but if I go Korean, rather get the Hyundai Kona as the dealer is so close and like the look a bit better. Think the Mini Cooper Countryman is off the list as it really is tiny inside and not sure I would be happy with one for the next eight to ten years. But, will be off next Wednesday and Thursday so if feeling better, might be a good time to do a few. Will have to start looking at used car finance offers out there as I'd have to finance some. I could "loan" myself a bit from my savings account in the bank where my pension goes even though I'd be read the riot act from you know who but I just can't write a check for $25K right now.
2023 Hyundai Kona Limited AWD (wife) / 2025 VW GTI (me) / 2019 Chevrolet Cruze Premier RS (daughter #1) / 2020 Hyundai Accent SE (daughter #2) / 2023 Subaru Impreza Base (son)
In all reality the Highlander is the better family vehicle.
2025 Ram 1500 Laramie 4x4 / 2023 Mercedes EQE 350 4Matic
2001 Prelude Type SH, 2022 Highlander XLE AWD, 2025 Camry SE AWD
In all reality the Highlander is the better family vehicle.
I agree. It is a good vehicle. It is just the space that bothers me. This weekend we've got a lot of driving to do. 1 1/2 - 2 hours out to my MIL's house on Long Island for Chanukah on Saturday night and back. 3 hours to a baby naming in MA on Sunday and back. No luggage, just there is going to be an argument over who sits in the 3rd row and when...
2001 Prelude Type SH, 2022 Highlander XLE AWD, 2025 Camry SE AWD
In all reality the Highlander is the better family vehicle.
MDX is also a bad lease, minimal discounts, minimal incentives, high money factor. Find a CPO that will likely have an incentivized rate through AFS and it becomes a better value proposition.2024 Jeep Grand Cherokee L Limited Velvet Red over Wicker Beige
2024 Audi Q5 Premium Plus Daytona Gray over Beige
2017 BMW X1 Jet Black over Mocha
My wife would not enjoy driving something like the GX.
she also would likely be perfectly happy to have me drive her around forever. She has no real desire to. She also does not like driving at night now either (I just don’t like night in the rain, that stinks).
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
This is the list of add ons for a VW Atlas: Window tint $599, Appearance Protection $699, Dent protection $699, 3M Door Edge Guards $395. And a $699 doc fee.
2024 Jeep Grand Cherokee L Limited Velvet Red over Wicker Beige
2024 Audi Q5 Premium Plus Daytona Gray over Beige
2017 BMW X1 Jet Black over Mocha
That’s a load of nonsense right there.
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
25 NX 450h+ / 24 Sienna Plat AWD / 23 Civic Type-R / 21 Boxster GTS 4.0 / 03 Montero Ltd
So, how many of those did you tell the guy you wanted. He’ll still try to sell you the others when you get there so be prepared. Just trying to help a poster buddy.
jmonroe
'18 Legacy Limited with 3.6R (Mrs. j's)
2024 Jeep Grand Cherokee L Limited Velvet Red over Wicker Beige
2024 Audi Q5 Premium Plus Daytona Gray over Beige
2017 BMW X1 Jet Black over Mocha
I fight them every step of the way.
2025 Forester Limited, 2024 Subaru Legacy Sport
2024 Jeep Grand Cherokee L Limited Velvet Red over Wicker Beige
2024 Audi Q5 Premium Plus Daytona Gray over Beige
2017 BMW X1 Jet Black over Mocha
When I bought the ‘15 Genny the F&I gal was relentless until I said if I hear one more word about the extended warranty the sale is off and you can tell the salesman why. That ended the upsell talk.
When I left that office and was waiting for them to wipe the car dry, the salesman came over and thanked me for not killing the deal. I asked him how he knew what happened and he told me the F&I gal told him. He went on to say she was their best F&I person but admitted she was pushy. I guess it works or she wouldn’t do it. Sometimes you have to know when to shut up and keep the sale.
jmonroe
'18 Legacy Limited with 3.6R (Mrs. j's)
always be closing.
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
2023 Hyundai Kona Limited AWD (wife) / 2025 VW GTI (me) / 2019 Chevrolet Cruze Premier RS (daughter #1) / 2020 Hyundai Accent SE (daughter #2) / 2023 Subaru Impreza Base (son)
Since I haven't looked, what are the current new car rates for the new Kona, Seltos and the Encore GX? Sure the lease rates pretty much suck but would think on these slow movers, there would be some extra incentives to move them off the lots right about now. That usually seems to be the issue, I'm finally ready to buy and the 0% rates seem to disappear!
2023 Hyundai Kona Limited AWD (wife) / 2025 VW GTI (me) / 2019 Chevrolet Cruze Premier RS (daughter #1) / 2020 Hyundai Accent SE (daughter #2) / 2023 Subaru Impreza Base (son)
Sandy - I just don’t see you being happy with those choices coming from the Golf (especially the vintage you have). They just don’t drive the same.
Which Encore are you looking at? The Avenue trim does look well equipped but they are very slow. Even the more powerful 4cyl is 8.8 to 60. Only the AWD comes with a regular transmission, the FWD is a CVT
2025 Ram 1500 Laramie 4x4 / 2023 Mercedes EQE 350 4Matic
Is a Cadillac XT4 too big? So much more vehicle than a loaded GX for a few thousand dollars more
There is 2K rebate on it too (at least in my area)
2025 Ram 1500 Laramie 4x4 / 2023 Mercedes EQE 350 4Matic
2024 Jeep Grand Cherokee L Limited Velvet Red over Wicker Beige
2024 Audi Q5 Premium Plus Daytona Gray over Beige
2017 BMW X1 Jet Black over Mocha
I’m sorry AU I was actually responding to Sandy comparing the XT4 to an Encore GX.
But … maybe the XT4 or 5 is a nice choice for your wife too.
Black interior was always an instant no from me. Now I own two. As long as there is some other color inside I can live with it. My truck has the deep orange/red accents and the Mercedes has a very large area of light wood and light grey suede to break it up.
2025 Ram 1500 Laramie 4x4 / 2023 Mercedes EQE 350 4Matic
Every time I tell them I'm not going to sign a paper saying I didn't want to buy something. How silly. The skinny guy wouldn't let it go so I signed it "Rat Face". He was too angry by then to even look at it.
I didn't get an insurance card so after a week I called my insurance guy and gave them the info so I could get my ID card. I asked my sales guy what happened and he said they don't do that any more. That takes care of the "I" part of F&I. I didn't finance it so that takes care of the "F" part. I asked for my money back since they didn't do anything.
2025 Forester Limited, 2024 Subaru Legacy Sport
I wouldn’t complain about not getting “F”ed in an office like that.
jmonroe
'18 Legacy Limited with 3.6R (Mrs. j's)
The paper protects them so that you can’t come in after a major out of warranty repair and say you weren’t offered coverage.
In the grand scheme not a big deal to sign off saying you don’t want it. That’s the last thing about the car buying process I would stress over.
2025 Ram 1500 Laramie 4x4 / 2023 Mercedes EQE 350 4Matic
Maybe some people were claiming the credit even though they bought an ICE vehicle or maybe a hybrid?
Lexus GX - 192.1"
VW Atlas - 200.7"
25 NX 450h+ / 24 Sienna Plat AWD / 23 Civic Type-R / 21 Boxster GTS 4.0 / 03 Montero Ltd
I’d wager the Atlas is much bigger inside than the GX despite not being all that much longer.
2025 Ram 1500 Laramie 4x4 / 2023 Mercedes EQE 350 4Matic
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
At the post office this morning, pulled a nail out of the sidewall of my front drivers side door. So far, so good but will know better in the morning. That would suck as I've got four brand new tires on there, Tire Plus's home brand which I really don't mind. Just don't want to go through the hassle of it all right now. Therapy was rough today as my regular guy called out & this different guy had me do too much...think it would've been better to just postpone for a week truthfully. Am scheduled for three more weekly sessions & then who knows after that. I was down all afternoon actually so going to bed soon as tomorrow is a work day. So tired of not feeling well!!!
2023 Hyundai Kona Limited AWD (wife) / 2025 VW GTI (me) / 2019 Chevrolet Cruze Premier RS (daughter #1) / 2020 Hyundai Accent SE (daughter #2) / 2023 Subaru Impreza Base (son)
and separate doors instead of one double door. More odds of taking off a mirror, but less change of taking out the other car!
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
2023 Hyundai Kona Limited AWD (wife) / 2025 VW GTI (me) / 2019 Chevrolet Cruze Premier RS (daughter #1) / 2020 Hyundai Accent SE (daughter #2) / 2023 Subaru Impreza Base (son)
As to your suggestion, that actually might be what happens. Talked with Janet again last night, seriously, about what she was thinking of our future down here in South Florida? I'm ready to seriously start searching for a new location in Northern Florida, hopefully closer to the coast. It's going to take me some time to get rid of stuff but once I know she's serious, I'll get moving in warp speed, for me, won't be that fast as I'm just not that capable anymore. And I've already started on it a bit. But, I'd like a more serious discussion sooner then later! Worst comes to worse, I go first and stay with the kids...they've already posed this scenario before I even thought about it. Of course, I'd say "no", but nice for them to have asked anyways.
2023 Hyundai Kona Limited AWD (wife) / 2025 VW GTI (me) / 2019 Chevrolet Cruze Premier RS (daughter #1) / 2020 Hyundai Accent SE (daughter #2) / 2023 Subaru Impreza Base (son)
2017 Cadillac ATS Performance Premium 3.6
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
I think you answered your own question.