Autos
A fighting chance to strike a good deal
Prepare for battle when shopping for a new car
Buying a new car can be a dreadful experience fraught with financial perils for the uninformed. The thought of driving onto a new car lot can send shivers down the spine of the most confident consumer. From negotiating the price to financing the deal, there are a multitude of opportunities for financial misstep.
The typical American purchases a new car every five to seven years, so a well-trained salesperson will have you out-gunned when it comes to navigating the process. With a car being the second most expensive purchase most people make, there has to be a better way.
After more than 14 years, two turns of the White House, an equal number of economic recessions, and same-sex marriage in five states and the District, I acquired a new car. I say acquired because I leased instead of buying. However, whether you are buying or leasing, the process should begin the same way: by obtaining the lowest possible price.
During the research for my new wheels, I discovered a wonderful service called Fighting Chance (fightingchance.com). For $39.95, they arm you with all the tools needed to give you a Fighting Chance to Strike a Good Deal. This includes:
• complete pricing data (retail and dealer invoice) for the vehicles you are considering;
• a big-picture analysis of how the manufacturer(s) and the specific model(s) you’re interested in have been doing in the market, including supply/demand fundamentals and final pricing versus invoice;
• a listing of current national cash incentive programs covering consumer rebates and factory-to-dealer incentives;
• and numerous articles to guide you through the car buying/leasing process.
The articles include information on how to sidestep test-drive anxiety by knowing what to say at the dealership, the truth about dealer cash incentives, what time of the month to purchase/lease to get the best price, how to avoid getting ripped off when leasing, dealing with a trade-in, buying an extended warranty, product quality and safety considerations.
The focal point of the service is a step-by-step process designed to escape haggling over the price of a new car while never setting foot in a dealership until the deal is finalized. The premise for the “e-mail/fax attack” strategy is that a new car is nothing more than an expensive commodity similar to gold, silver, etc. The same pricing structure for a vehicle exists at each dealership. The best price is obtained on a commodity by soliciting competitive price proposals and making the suppliers compete for your business. Only a fool would walk into a car dealership to negotiate a price, and only a bigger fool would make an offer. When you make an offer, that’s as good as the deal can get since you put a floor under the selling price.
By conducting a competitive bidding process, you will make the dealers compete on price for your business. Several car dealers are contacted and each is submitted a request for proposal (RFP) via e-mail or fax on the model you are interested in buying or leasing. Next, the lowest bid is reviewed with each dealer to see if they will beat it. Fighting Chance recommends a maximum of two rounds of bidding to avoid demeaning the process. This should uncover the dealer who is ready to lower the price to meet a sales goal and receive a cash bonus from the manufacturer.
A car dealer may actually be willing to take a loss on a car if a huge bonus is available. Wouldn’t you sell one more “widget” at a $1,500 loss if it meant getting a $50,000 bonus for meeting a sales target?
A key point is that the dealer invoice, which the dealer is more than willing to show you, is meaningless. Dealers receive multiple “below-the-radar” incentives from the manufacturer so that retail or invoice pricing has little relevance to the true dealer cost. The “unknowable” incentives will typically be reflected in a dealer’s price proposal in a competitive bidding situation.
Also, do not fall for the trap of telling a salesperson how much you can afford per month. The purchase price, which will lead to a monthly payment, is more important.
In case you are wondering, the car I am leasing is a Kia Forte Koup. Did I get a good deal? I think so. The lease is based on a price that is $1,462 below dealer invoice.
This article is for informational purposes only and is not financial, legal, or tax advice. Please consult with your advisor before making any decisions.
David M. Taube, CFA, CFP is CEO & Chief Investment Officer of Kalorama Wealth Strategies, LLC, a fee-only investment advisory and financial planning firm in the District. Reach him at 202-550-7262 or [email protected].
Ragtops rock! For drivers looking to carve their own lane, the world already has enough sensible crossovers, minivans, and pickups. These three convertibles trade practicality for sunshine, wind, and the occasional wild-hair day.
BMW Z4
$58,000
MPG: 25 city/33 highway
0 to 60 mph: 5.2 seconds
Trunk space: 10.0 cu. ft.
PROS: Strong engines. Uber comfy. Stylish.
CONS: Expensive. Final year of production.
Act fast, Bimmer fans, this is the last year the BMW Z4 roadster will be produced. Along with the entry-level xDrive30i and high-performing M40i, there is a Final Edition model.
Since 2002, the Z4 has expertly balanced performance, comfort, and style. The long hood and short rear deck still look fantastic. The stance is athletic. And with the top down, this car gains an extra dose of drama.
Under the hood, BMW offers turbo power that feels eager rather than overwhelming. Acceleration is brisk. The steering precise. The chassis composed.
Upgrading to the premium models lets you scoot from 0 to 60 mph in just 3.9 seconds. But—ka-ching!—the MSRP soars to $79,000.
Available in manual or automatic transmissions, this convertible can sprint through mountain roads on Saturday and soothingly devour highway miles on Sunday.
As for the interior, it blends luxury and functionality. Materials feel expensive. Controls are easy to use. And the seats are supportive.
For me, other ragtops may be more party hearty, but the Z4 is low-key, impeccably tailored and still the center of attention. Think suave James Bond versus sparkling RuPaul.
MAZDA MX-5 MIATA
$32,000
MPG: 26 city/35 highway
0 to 60 mph: 5.5 seconds
Trunk space: 5.0 cu. ft.
PROS: Nimble. Lightweight. Affordable.
CONS: So-so power. Wind noise. Limited space
For decades, the Mazda MX-5 Miata has followed a simple formula: Keep it light, keep it balanced and make every drive feel special. The result: Automotive comfort food that never gets old.
Many vehicles grow larger every year, but the Miata has remained Lilliputian in a way that feels rebellious. You sit low. The controls are user-friendly. Visibility is excellent.
No, the engine power won’t blow you away. But this beachcomber isn’t about brute force. It’s about how the Miata makes you feel wonderfully alive, whether tootling along city streets or a winding road.
Inside, the dashboard is sparse but echoes a traditional sports car. Large analog tachometer and analog speedometer. And while the 8.8-inch infotainment display is dinky, it works nicely.
Alas, storage is limited. The cabin is snug. And taller drivers may wish for a bit more room.
Yet somehow even those compromises feel almost charming. This ride knows exactly what it is and refuses to apologize. Sort of like showing up to Pride wearing what makes you happy rather than chasing trends.
MINI COOPER
$27,000
MPG: 28 city/39 highway
0 to 60 mph: 7.9 seconds
Trunk space: 5.2 cu. ft.
PROS: Playful styling. Fun handling. Extra stowage.
CONS: Ride can be firm. Not a speed demon.
Mini Coopers approach life with a wink and a grin. Rounded headlights. Compact dimensions. Cheerful styling. It all works to create a vehicle that looks like it’s having fun before you’ve even started the engine.
Driving this ragtop is equally entertaining. The steering is quick, and the chassis feels eager to please. Overall performance is lively rather than blistering.
The cabin leans heavily into Mini’s playful design language. Circular elements appear throughout. Details feel intentionally quirky. Many modern interiors seem created by committees that fear excitement. This cabin feels designed by someone who enjoys color, personality and perhaps spontaneous dance breaks.
Unlike the BMW Z4 and Mazda Miata, the Mini offers a small rear seat. “Small” is doing some heavy lifting there, but the extra space adds flexibility. It may not be enough room to comfortably squeeze in friends, but you can easily stow a few bags here.
To me, driving this convertible feels like attending the world’s friendliest block party. People notice it. People smile. Sometimes people even wave.
At my stage of life — “somewhere between 40 and death,” as the iconic line goes in the musical “Mame” — I want some pampering. A lot of pampering.
Luckily, for anyone who constantly craves a soothing spa, steam room or sauna, there’s the completely updated Mercedes S-Class. This flagship sedan is now so full of glitz, glamour, and gee-whiz gadgetry, it gives new meaning to the term “auto erotica.”
Does this make the S-Class a “gay” ride? For me, any vehicle that pushes my buttons like this one is a Kinsey 6.
MERCEDES S-CLASS
$122,000 (est.)
MPG: 21 city/31 highway
0 to 60 mph: 4.3 seconds
Trunk space: 19 cu. ft.
PROS: Exceptional comfort. Ultra-quiet cabin. Cutting-edge safety.
CONS: Price climbs fast. Tech learning curve. Sportier competitors.
The S-Class continues to define what luxury really means, with a bolder silhouette, larger grille, and striking, next-gen LED headlights. There’s also an optional illuminated Mercedes star on the hood. Overall, nearly 2,700 parts are new or improved, so more than 50 percent of this vehicle has been updated. An extreme makeover, to be sure.
At the same time, this latest S-Class leans harder into intelligence and electrification than ever before. Under the hood, a range of turbocharged inline-six and V8 engines — paired with mild-hybrid systems — deliver power in a way that seems almost edited for smoothness. Braking is solid and strong, too, but never abrupt. All the engineering is fine-tuned and intentional.
Yes, the top-of-the line S580 version is more expensive, almost $140,000. But it’s also blisteringly fast, zipping from 0 to 60 mph in just 3.9 seconds. That’s as lickety-split swift as a Lamborghini Revuelto supercar, which has a starting MSRP of $610,000 and can easily exceed — yowza! — $800,000.
Colors? There are 150 to choose from for the exterior and 400 for the interior. You can even customize the illuminated door sills, interior stitching and wheel accents.
And the ride quality? Sublime. Adaptive air suspension reads the road constantly, leveling out imperfections before they even register. Rear-axle steering enhances maneuverability, making this full-sized sedan feel surprisingly nimble in tight spaces. On the highway, the S-Class simply glides like a private yacht on the calmest of seas — extremely quiet, composed and completely unbothered.
Whenever you slide inside, the cabin immediately sets the tone. A massive OLED digital display — the same high-def technology used for cinematic viewing and gaming monitors — anchors the dashboard, running the latest MBUX infotainment interface. Highly customizable, this software allows for advanced voice commands that feel natural, not forced. And an augmented-reality navigation system takes your route and overlays it onto live camera feeds. It’s intuitive — mostly, as there is a learning curve for all this cutting-edge gear. Overall, though, such amenities make older setups feel like dial-up internet.
A Burmester surround-sound stereo is available in 3D or 4D, with up to 31 speakers, 1,690 watts and tactile transducers in the seats that vibrate and pulse with the music. Those seats are, of course, extremely comfortable. And the seatbelts? These are now heated.
Let’s not forget the latest cabin air-filtration system, which can remove ultra-fine particles to deliver air quality that rivals medical environments. Clean air, yes, but even this seems like a special treat. It’s like being swaddled in couture, not ready-to-wear.
And lastly, there’s the rear-seat area, which — to be honest — is where the S-Class really shines. Executive packages offer multi-contour reclining seats with rapid heating and ventilating, heated armrests and massage functions. You can opt for a footrest, which ups the glam factor to give you a calf massage. Dual 13.1-inch display screens come with their own remote controls. There’s also a video-conferencing feature, to help transform the rear cabin into a fully connected mobile office. For me, it feels less “back seat” and more “private lounge.”
Even in fiction, high-tech luxury carries weight. Tony Stark helped cement the idea that state-of-the art vehicles can be aspirational, not just practical. The magical S-Class fits right into that narrative — minus the flying suit (for now).
Autos
Wagons ho! High-class, head-turning haulers
Automakers still offer a few good traditional station wagons
As a teenager, one of the first cars I drove — and fell in love with — was our family’s hulking full-size wagon. It stretched over 19 feet in length and weighed a whopping 5,300 pounds. That’s three feet longer and 1,000 heavier than, say, a Ford Explorer today.
But this Leviathan felt safe and practical, especially when tootling around town with my crew or traveling solo cross-country. Of course, this hauler was also an eco-disaster.
Luckily, that’s not the case today. And even though the number of traditional station wagons keeps shrinking, automakers are still offering a few gems.
VOLVO V60 CROSS COUNTRY
$54,000
MPG: 23 city/31 highway
0 to 60 mph: 6.6 seconds
Cargo space: 51 cu. ft. (rear seats folded)
PROS: Elegant design. Composed handling. Top safety features.
CONS: So-so power. Modest rear legroom. Only two trim levels.
The 2026 Volvo V60 Cross Country doesn’t cry for attention — and that’s the point. This is the automotive equivalent of Kristen Stewart, a celebrity who’s confident in her own skin and sees no need to post about it.
Under the hood, there’s a four-cylinder turbo engine paired with a mild-hybrid system, producing 247 horsepower. You won’t outrun other drivers, but there is a sense of calm authority when accelerating. The standard all-wheel drive and 8.1 inches of ground clearance mean this wagon is ready for dirt roads, bad weather or a spontaneous weekend jaunt.
And inside? Scandinavian minimalism at its finest. Clean lines. Gorgeous materials. Google-based infotainment that mostly works — though occasionally the system could be a bit faster, at least for my taste. The ride is smooth, composed and quiet, even if acceleration feels more “measured sip” than “espresso shot.”
But here’s the twist: After more than a decade, this is the final Volvo wagon in the U.S. Its farewell tour ends in 2026. That alone gives it collector-car status.
MERCEDES-AMG E53 WAGON
$95,000
MPG: 21 city/25 highway
0 to 60 mph: 3.4 seconds
Cargo space: 64.6 cu. ft. (rear seats folded)
PROS: Supercar vibe. Hybrid versatility. Stunning interior.
CONS: Some fussy controls. Can feel heavy when cornering.
If the Volvo V60 Cross Country is subtle, the 2026 Mercedes-AMG E53 Wagon is a screamer. It’s like being at a Lil Nas X concert: flashy, high energy, and full of shock and awe.
This performance wagon — a plug-in hybrid, no less — pushes well over 500 horsepower (and in some configurations over 600 horsepower), launching from 0 to 60 mph as fast as a $300,000 Aston Martin supercar.
Yes, deep down, this is still a wagon. But you also can do a Costco run in something that could embarrass sports cars at a stoplight. That duality is delicious.
Inside, Mercedes leans all the way in. The high-tech Superscreen setup stretches across the dash. Ambient lighting glows like a curated art installation. The 4D surround-sound audio literally pulses through the seats. It’s immersive. Borderline excessive. And entirely the point.
Rear-axle steering helps mask the size of this car, but there’s no hiding the weight — it’s a big, powerful machine. Still, this hauler handles far better than physics suggests it should.
PORSCHE TAYCAN CROSS TURISMO
$121,000
Range: 265 miles
0 to 60 mph: 2.8 seconds
Cargo space: 41 cu. ft. (rear seats folded)
PROS: Lightning fast. Space-age design. EV smoothness.
CONS: Very pricey. Options add up quickly. Limited rear visibility.
The Porsche Taycan Cross Turismo completely rewrites the wagon formula. Fully electric. Shockingly fast. Designed like it belongs in the Louvre.
Performance is instant. Depending on trim level, you’re looking at 0-to-60 mph in less than 3 seconds. No exuberant engine noise — just that smooth, purring EV surge.
Handling? Pure Porsche. Low center of gravity thanks to the battery-pack placement. Precision that makes winding roads feel like choreography. And then — hello — there’s also a Gravel Mode for light off-road use.
Inside, the style is restrained but high-tech. Digital displays dominate, including a 10.3-inch passenger side touchscreen. Yet the layout feels intentional rather than overwhelming. Build quality is exceptional. Options, including leather-free materials and an active-leveling system for hard cornering, are endless — and expensive.
Range varies by model. But as with any EV, your lifestyle (and charging access) matters.
Overall, this is a wagon that looks and behaves like one helluva class act.
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