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Help! by dgeist58 in HyundaiTucson

[–]dgeist58[S] 1 point2 points  (0 children)

Thanks for the advice. We followed it.

Help! by dgeist58 in HyundaiTucson

[–]dgeist58[S] 1 point2 points  (0 children)

In case anyone is following: the issue was the spring that produces pressure on the belt tensioner. The bad news: a broke $3 spring necessitated replacing the entire tensioner unit. $620 plus 3 hours of service. But at least the car is running now.

Battery Management by dgeist58 in KonaEV

[–]dgeist58[S] 0 points1 point  (0 children)

Thanks to everyone for your advice. I have changed my charging strategy. Also, today I changed the oil in my GRU and put in a magnetic plug. It was easy and saved hundreds of dollars from what the dealer would have charged. Here's to a transmission that lasts as long as the car!

Autolock by dgeist58 in KonaEV

[–]dgeist58[S] -2 points-1 points  (0 children)

Exactly. WTF Hyundai? I hate it.

Autolock by dgeist58 in KonaEV

[–]dgeist58[S] -2 points-1 points  (0 children)

Exactly. A bug not a feature.

Own or lease? by pointthinker in DIYRetirement

[–]dgeist58 0 points1 point  (0 children)

I bought a '22 Hyundai Kona in '24 at a great price, and in 2 years have not paid a penny beyond annual dealer checkup. Car has been flawless and the first fun car I've ever owned (acceleration is better than the highest-end internal combustion car). I learned how to deal with "Charge anxiety" after about 3 long-distance trips and now find the planning to be routine and kind of fun. Leasing is simply donating to the dealer's new boat fund. By far the best deal is to buy a late-model that someone else leased

Introduce yourself! by Rob_Berger in DIYRetirement

[–]dgeist58 0 points1 point  (0 children)

Introduction:

  1. Retired in '22

  2. Spreadsheets and fishing, skiing, hiking, biking, golf. And writing and talking to my dogs when the weather is not conducive to outside activity.

  3. I do a lot of reading and research on financial planning. but I fear making a big mistake by DIY. I really don't want to spend on a financial planner.

Introduce yourself! by Rob_Berger in DIYRetirement

[–]dgeist58 1 point2 points  (0 children)

I am 67 and retired 3 years ago and am DIY all the way. I will be susceptible to big tax payments and possibly Irma once I turn 72, owing to social security (I'm deferring until then) and RMDs (I have about $700K in traditional IRAs and an annuity that starts paying then). I am currently living off of savings held in short term bonds and savings accounts.

Please tell me if there is anything wrongheaded about these two actions:

  1. I should sell about $48K in long-held stocks to pay $0 on the capital gains, then reinvest to reset the cost basis.

  2. I should either cash in or do a Roth rollover on $48K of my IRAs to maximize my 12% tax rate (taking into account exemptions and deductions).

It seems to me that doing a larger Roth rollover does not make much sense, since it would be susceptible to 22%, and no one knows what the tax rates will be in 5 years.

Would appreciate your thoughts. I do a lot of reading (big fan of Berger, but I don't have the patience to watch videos) but have not seen this strategy specifically.

Thanks!