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Or, build the exact vehicle you want on the manufacturer’s site using your preferred dealer’s zip, and it’ll appear on the lot and you can go buy it. That’s what happened to me. I spent close to 3 months researching and building cars on Ford’s site. Then, the car I really wanted appeared on...

Are you going to do a more detailed write-up? I’ve been looking at them online, and I keep reading that some people feel they are over-priced. Any additional details would be appreciated.

I have been looking at that one. What do you think about it?

I’ll preface these comments by saying I am a Financial Advisor. If you open an account with Schwab or Fidelity, ETF trades are generally commission free. I wouldn’t pay a broker $40 per trade to buy an index fund. That’s a waste of your money. Agreed. A Professional who does comprehensive...

Potentially stupid question that I think I already know the answer to: Will dealers ever honor another’s special? Right now, most dealers have the 2019 F150s marked down. If I found a truck at one dealer that is marked down by $10k, is there any way in hell I could buy that truck, for that...

Not sure how this is relevant here.

https://blog.wealthfront.com/7702-retirement-plan/

If you can do both, do both! 401ks have higher contribution limits and the prospect of an employer contribution. When did the drop start? That would have been the time to dump it! It’s just a rule of thumb. It won’t hold true for everyone. Plus, this is an average - you won’t get 5-8%...

Whatever makes you happy! What would you do for money? Keep working? You can’t build long term wealth living like that, but if you don’t care about wealth, do what makes you happy! I’ve never seen hedge funds in a life insurance policy. Most are standard mutual funds offered by the issuing...

Excellent point on PA state tax. The “catch” is that they don’t give you a deduction for contributing to retirement accounts while you’re working.

I feel like I’m missing details - why are you limited to 4%? Does the plan fail the annual testing (do you and other highly compensated employees get refunds?) Because you are highly compensated, and covered by a retirement plan at work, you won’t be able to make a deductible contribution to...

That works out to roughly $2.1MM at retirement. Don’t forget SS benefits though - most people think the program will go away, but I don’t agree with that line of thought. It may be hard to believe, but tax rates are around all time lows. (There was a time when the highest marginal tax rate...

How do you define "comfy?" The rule of thumb has been that someone can withdraw about 3.5% of their portfolio for a period of 30 years without outliving their money. So, if you want to live on $35k in retirement, you would need a portfolio of $1,000,000 to support that. This doesn't include...

When investments are gifted, the cost basis 'carry's over' to the recipient. Given the run up we've seen in the stock markets over the last 10 years, it is possible that the cost basis on that fund is very low. It may not be worth paying the taxes to sell AIVSX and buy a new fund. If you want...

That depends on the expenses associated with the 401(k) Plan. Contrary to popular belief, 401(k) plans are not free to the employees of a firm. If the IRA has lower fees and expenses than the 401(k) plan, it is likely you'll be better off leaving your money in the IRA. Also, IRAs generally...

I'd ask a few questions of my own: How old is this person? Do they have any upcoming expenses that will require them to tap into the money? How much risk can they tolerate? Do they have any student loan or consumer debt? Depending on those answers, they may want to consider the following...

Hi Everyone I've been following 13COBRA's 'ask a dealer' thread, and I've decided to start one of my own. There have been a number of personal finance threads over the years, and I thought it may be interesting to do a little consolidation. A few points of clarification: Yes, I am a...

He’s turning 12 this year, and I think he’s held together with staples, glue, and maybe some duct tape at this point. He’s a lazy lump of Labrador at this point...

I have a Fossil automatic with the bracelet, and I really like it. I’ve had it for 4 years and it’s been a great watch. To hell with everyone else and their opinions...

My wife has a 2016 with the 2.0, FWD, and 24k on the odo - only complaint so far is that she has a tendency to hit the gas too hard and spin the tires on wet roads.

Yes - I have the Bellweather. It’s a nice watch. I don’t like leather straps, so that’s really my only complaint. Straps are easy to swap out, so it was no big deal. They are only 43mm (I think), so if you have a larger wrist, or like a larger watch, these will feel small. Let me know if...

I understand completely. I live in the suburbs, and had to leave my car in a garage in Baltimore when I took amtrak for a business trip. Came back to a nice rash on the front fender. I had owned the car for less than a week. Luckily I just own a Focus.

Wow! Even the Peoples' Republic of Maryland isn't that bad! Yet...

Did you sell your white cobra?

Vanguard or ishares are probably the lowest cost. The ETFs have lower expense ratios than the funds, unless you have enough to qualify for the admiral class at Vanguard. Let me know if you have mor specific questions.