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I recall those Passats being touted as pretty upmarket. Not a common sight anymore.
2018 VW Passat SE w/tech, 2016 Audi Q5 Premium Plus w/tech, 2006 Acura TL w/nav
2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
2018 VW Passat SE w/tech, 2016 Audi Q5 Premium Plus w/tech, 2006 Acura TL w/nav
2018 VW Passat SE w/tech, 2016 Audi Q5 Premium Plus w/tech, 2006 Acura TL w/nav
Our 2013 Passat was pretty bare bones....but for $23000 it was solid, nice electronics, comfortable....a lot of content and quality for the price. Your 2018 is a much better car than our 2013, and yet after inflation it probably costs less than ours.
I think of it as the "Amazon affect". Amazon even in spite of all the harm they do, has kept the price of goods very low. You have competing dealers and companies that can market cheap goods made in other countries. And, you don't rely on your regular chain or local store any more........the world is at your fingertips, literally.
Some friends were upset they paid $25 for Hoover brand vaccum cleaner bags at the hardware store. They didn't trust using their credit card to use for amazon so we ordered off brand replacement bags from Amazon for them. They had 5 stars so a safe bet.....$12 and at their door the next day!
To be successful today companies have to find ways to be efficient, and find ways to cut costs - and basically offer more for less money.
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
2014 Malibu 2LT, 2015 Cruze 2LT,
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
The gentleman I spoke with was in California (Genesis USA headquarters). He could not believe my dealership’s service concierge would not take my car in and contact Genesis engineers to solve the problem. He also could not believe the dealership’s concierge pointed to the sky and told me it was a satellite problem and he could do nothing to help me until Genesis solved the satellite issue.
The Genesis representative assured me that my issues had nothing to do with malfunctioning satellites because they have no satellite problems and furthermore the problem is that my car is not connecting to Verizon cell towers which is how the system operates.
He assured me that once he has made contact with the dealership’s service manager and the concierge, the process will begin immediately to have my car brought in for corrective service and I would be given a vehicle to use during this process. He was amazed at the lack of responsiveness from the dealer and was apologetic.
The real issue is the fact that I am dealing with a Hyundai service team that has no understanding of how luxury car owners are to be treated. The problem is that there is no stand-alone Genesis dealership and service department. The saga continues.🤨😩
2021 Genesis G90
2021 Genesis G90
2014 Malibu 2LT, 2015 Cruze 2LT,
My son still is doing fine with his Venza. I think he did say
the battery power doesn't last as long as he expected before
it kicks in the 2.5 L ICE.
2014 Malibu 2LT, 2015 Cruze 2LT,
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
I had a client at BMW who bought an X5 loaner. I was unable to activate the wi-fi hotspot; I tried everything.
Solution? I gave her a new X5 loaner to drive until the problem was sorted. It turned out to be the fault of AT&T; for some reason they had assigned the car's phone number. Even though the telematics have a virtual SIM card, neither BMWNA or BMWAG could tell us how to change i, and the NA techs authorized replacing the telematics system. Problem solved and the customer was happy.
Next time you see that alleged concierge, ask him what I asked a poster on another forum:
"Does your butt ever get sore from all the half-bake opinions you pull out of it?"
Mine: 1995 318ti Club Sport; 2020 C43; 2021 Sahara 4xe 1996 Speed Triple Challenge Cup Replica Wife's: 2015 X1 xDrive28i Son's: 2009 328i; 2018 330i xDrive
jmonroe
jmonroe
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
That doesn't seem right, does it?
2020 Ascent Limited, 2024 Subaru Legacy Sport
Vanguard fees are usually pretty small but some fund families can be over 1% annually.
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
Turns out that along with all the trash was a loaded hand gun. Speculation of hit men and drug dealers and why they would return a car with all that evidence occupied our conversation.
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
He did give me the percentages and they range from 0.57 up to 0.92%. Getting a dollar amount seems impossible. I may move them.
2020 Ascent Limited, 2024 Subaru Legacy Sport
There is a bit of marketing war going on up here with new-age investment firms like Wealthsimple and others advertising their low fees using some pretty aggressive ads:
https://youtu.be/dw0lMSaWbgw
https://youtu.be/tAt9zlr2b_E
2017 Cadillac ATS Performance Premium 3.6
Most funds have some distributions during the year and I'm not sure how often expenses are deducted.
Expense ratio times fund value will give you a ballpark figure.
The distributions are fun, though. Once a year/six months/quarter (depends on the fund) they officially return all the trading gains and losses in form of a quasi-dividend (distribution). It's basically an accounting operation - assuming you'll reinvest the distribution immediately back into the shares, the total value doesn't change, but price per share resets to a lower value (assuming there are gains) and you may get some cash or additional shares on that day. And of course you get a privilege of putting these "gains" on your 1040 that tax year, So if you bought that fund couple of days before you just gained taxable income without actually getting any real return (it evens out when you sell, as you'll get lower base for your sale). This can sting in funds with large turnover (the ones that trade often), as the gains/losses accumulate and distribution (i.e. tax liability) may be fairly large. On the other hand, if the funds are in a qualified retirement or HSA account, you don't care, it's just some accounting math that doesn't matter to you.
2018 430i Gran Coupe
Bottom line, if you're not paying him a direct direct fee (which you would know), you're paying through these funds. Even if you are paying him some direct fee, you still have to watch out, as many big houses use that as a platform for further steer toward higher fee funds, as they're compensated by it.
In today's world of disclosures his "I don't know and I can't find out" act is not just a red flag - it's and equivalent of that "Amber Alert" sound you get in your smartphone.
2018 430i Gran Coupe
My Vanguard funds range from .015% for index funds up to maybe .46% for actively managed ones.
You probably won’t get better information from anyone else either. Must be like hidden dealer fees with cars.
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
Especially, if your advisor is trading stocks for your account. My stock trading is commission free at Schwab. And, the mutual fund fees are dirt cheap for my 401K at Vanguard.
But, then again, I don't pay an advisor.
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I do know that years ago I had a bank run retirement account and the fees were incredible. When I finally smartened up and dumped them I got nailed with a 4% redemption fee which compared to today is criminal.
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
2017 Cadillac ATS Performance Premium 3.6
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
For example, AM Funds 2025 target date is currently ranked 38 out of 212 and Vanguard 2025 is ranked 42 out of 212.
There is also lots of other info in each review.
jmonroe
jmonroe
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
2018 430i Gran Coupe
BTW, in today's world there is no more excuse to those funds with share classes with 5% sales loads. Zero.
2018 430i Gran Coupe
2017 MB E400 , 2015 MB GLK350, 2014 MB C250
After some months they compared results and found that the darts had a better return than the advisor.
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
Also all these ads that show that XYZ has 80% of the funds that beat the averages - what they don't tell is that they closed all those trailing funds before they bought the ad ("survivor bias").
2018 430i Gran Coupe
2018 430i Gran Coupe
2018 430i Gran Coupe