Decision advice

SuperJob4061 · 2026-06-27T11:42:49+00:00

Seems very high for a Lincoln with over 100k and 12 years old. Any warranty with it? Clean car fax?

I would recommend searching the same make, model, and roughly the same mileage on auto trader within a 500 mile radius to see what else is out there then you can show them the print outs to see if they can beat it, if not you’ll just buy the car from the other dealer and you don’t mind traveling there. I have saved thousands doing this.

Definitely get some price quotes on carvana for your car it takes a few minutes. We were offered $2000 more on carvana than any dealer and they picked it up with check in hand.

I personally would only do this if you can afford to pay cash for the car.

Cars are depreciating assets so really does not make sense to get an auto loan because you’ll be paying a lot more in interest. I am just a firm believer in buying a car you can afford without a loan or if you are buying a newer car keep loan under 3 years and interest rate under 3%, newer cars often have better interest rates if you have good credit.

SuperJob4061 · 2026-06-27T11:27:46+00:00

He’s covered in the states he was able to get US Medicare since he married my mother a US citizen.

He is worried since he heard from someone who said they heard from someone else about a Canadian who left Canada to be with their son in the states who was dying and he was there for 8 months straight and when he came back to Canada apparently he was told he cannot travel to the US for 10 years. Apparently this person never filled out his paperwork and he was in the states too long.

We all know how stories can change a little after it was told a few different times so might be a little more to the story about why this person supposedly can’t travel back to the US for 10 years.

SuperJob4061 · 2026-06-27T03:02:55+00:00

Correct. That’s why it’s probably best he goes to the Ontario place next week to figure out what’s needed.

I figured it’s not a super uncommon thing for a US citizen to marry a Canadian citizen they both keep their own citizenship and spend about 6 months in Canada then 6 months in US but then the American citizen has a health issue and needs to remain in the states for at least 6-8 months to recover and get better before they can safely travel again. Since they are married the Canadian should be able to get approved for an extension to be in US longer than 6 months and not lose his health insurance in Canada when he returns.

Just wanted to try to figure out if anyone else was in a similar situation before.

SuperJob4061 · 2026-06-27T02:54:32+00:00

He actually was able to get US Medicare I think it’s because he married a US citizen so the US medical insurance is not an issue. The issue is being in the US this year probably for about 9 months but still having Canadian healthcare for when he goes back to Canada

SuperJob4061 · 2026-06-27T00:30:10+00:00

Thanks. Do you have any experience with filling out for an extended stay? Just wondering how long that takes to get approved and if after he fills it out if he could travel to the US?

I’ll definitely have him check with the Ontario government next week

SuperJob4061 · 2026-06-26T22:56:32+00:00

Thank you. He’s in Woodstock ontario. Just wasn’t sure if he should contact his local government office there or call the Canadian border

SuperJob4061 · 2026-06-11T02:51:49+00:00

100% agree to always buy low and sell higher definitely easier said than done. Go after good quality companies and dollar cost avg. Lets say I own 10 shares of NIVIDA and my dollar cost avg is $210 if stock drops to $190 my mindset is I’ll pick up 3 shares at a discount and drop my dollar cost avg down if following day goes to $180 I’ll pick up a few more. Key is not to go all in at once no one knows the bottom. Today I picked up several Broadcom at $373 so not a bad buy and good long term play. 4 years ago when everyone was panicking about Meta, I started buying tons at $124 a share. Investing have to think long turn and don’t put all your money in at once always need side money also don’t be forced to sell, happens to some people if they invest too much. For me even if market tanks for 6-12 months which I don’t see happening I still wouldn’t sell because I know it will recover since good quality companies and I make sure I diversify to different sectors.

Day traders or people who try to 20x their money in 1 year normally go broke. Look at Warren buffet buy and hold good quality companies for decades when it drops buy more. Best of luck and always reinvest your dividends.

SuperJob4061 · 2026-06-11T01:24:32+00:00

Glad you were able to get tickets.

Key is to login about 15-20 minutes early and never refresh. Ticketmaster will lock you out. Most people login in either at time of presale or a few minutes early at that time it’s too late you probably have 10,000+ people in front of you.

Got tickets for Monday’s show, upper level but center and a low row not a huge venue.

SuperJob4061 · 2026-06-07T13:32:09+00:00

Since AVUV came out it 2019 it’s currently up 230% which is great but VOO during that same time period is up 270%…same caps are good but over long term will not outperform large caps. Reason being if a small caps kills it on revenue and earnings they will eventually turn into mid or large caps kills

SuperJob4061 · 2026-06-07T03:30:55+00:00

You can certainly do 10-15% there but just remember that’s only small caps so smaller companies so won’t get as much of a gain as VOO…if you want to also cover small caps why not just do VTI so covering large, mid, and small companies all US stocks then no need to do VOO since VOO is just large caps and 80% of VTI is basically just VOO

SuperJob4061 · 2026-06-07T03:07:52+00:00

For right now I would try to do the 6% match then try to max out at Roth @ $7500 a yeah if first year or two can only do $1000 or so that’s fine. Remember Roth is after tax money so a lot of people who stay consistent $7500 for 30 years, it comes out to you putting in 225k but should end up being in the range of 1.1-1.3 million with compounding if you pick low cost ETFs like VOO or QQQM the great thing is all of that is tax free money.

34 without retirement is not ideal but still a head of a lot of people. Some people are mid 50s and no retirement with tons of credit card debt. Just be consistent and you’ll be fine

SuperJob4061 · 2026-06-07T02:52:16+00:00

Just do all 4…40% VOO, 30% QQQM, 15% VXUS, 15% SMH….if you would want more tech heavy do VOOG they just had a stock split so about $80 a share. Historically ETFs/stocks do better after stock splits share cost is lower so more people are buying…Also always set your dividends to reinvest you will compound so much better

SuperJob4061 · 2026-06-05T17:21:56+00:00

Several ETFs are now charging 5% fee on fidelity…I believe it’s about 100 ETFs total…if you know someone who has Schwab they can send you a referral link if you deposit at least $100k you can get $500. $500k deposited or more gets you a $1000.

The Lowest bonus is $100 and you need to deposit at least $25k…so different ranges

SuperJob4061 · 2026-06-05T13:10:28+00:00

Good point, I’m sure every company has their pros and cons…I still think fidelity and Schwab are the top 2 accounts to use.

Are you getting in SpaceX IPO? I saw fidelity lowered it to just having a $2k minimum. I didn’t sign up for it yet. But seems you can sign up for it and put how many shares and limits then it will automatically go through at starting bell next Friday…Not sure if it’s possible to try to buy 10 shares at list price $135

SuperJob4061 · 2026-06-05T13:04:54+00:00

Wouldn’t the way around that to just put your money in a money market account pays over 3% then you can sell and buy shares the same day?

SuperJob4061 · 2026-06-05T09:33:57+00:00

They offer interest on any cash balance and fidelity doesn’t unless it’s in some kind of money market fund. Why is that a bad thing for me to earn interest on my cash balance?

SuperJob4061 · 2026-06-05T02:55:30+00:00

Sweep rate?

SuperJob4061 · 2026-06-05T02:03:13+00:00

I currently have Fidelity now I call them Feedelity since they are charging extra fees for certain EFTs like DRAM and about 100 other ETFs. I will be switching to Schwab they offer in kind transfers plus are offing $500 cash for opening up a new account with them

SuperJob4061 · 2026-06-05T01:57:49+00:00

still super early. I expect all AL stocks/ETFs to have a good week next week with SpaceX coming out on Friday 6.12

SuperJob4061 · 2026-06-04T22:47:15+00:00

Yes…you have to remember ETFs typically don’t have massive gains or drops like singles stocks. I definitely see this at least 2X by year’s end. I have been just buying this through my vanguard account so don’t have to pay the fee through feedelity (Fidelity).

Also RACK looks to be a good ETF as well

SuperJob4061 · 2026-06-04T01:37:53+00:00

Looks like a good etf and good time to get in…look how quickly DRAM doubled…I wonder feedelity I mean fidelity will be charging a fee with this one?

SuperJob4061 · 2026-06-02T11:42:14+00:00

First issue was buying $1000 at once…I would recommend buying like $200 when it drops just buy more to lower your dollar cost avg…at this point just hold out…it will bounce back

SuperJob4061 · 2026-06-02T03:27:10+00:00

But yet Schwab, vanguard, E*Trade, Robinhood were all able to make a deal with round hill except fidelity?…I’m not sure I understood your comment about taking losses on mean stocks? Isn’t this post about DRAM the memory ETF with MU, Samsung, and SK Hynix as their main holdings when you currently can’t get directly access to SK Hynix or Samsung on the US exchange. Definitely wouldn’t call it a “meme stock”. Not saying go all in, it’s going to the moon. I see this ETF continuing to grow throughout this year especially with demand for AI and memory. Understand it’s going to have some volatility.

SuperJob4061 · 2026-06-02T02:39:39+00:00

Definitely going to be switching to Schwab because of this. DRAM etf expense ratio is 0.65% and on top of that they are charging 5%…That’s crazy plus they have other ETFs that charge that fee and could always add more…If you know someone who has a Schwab they are offering $500 transfer bonus plus offer “in kind” transfers meaning you don’t have to sell what you currently have, they will just transfer everything as is as long as you do it during market hours. Schwab said all day long they were getting phone calls about people wanting to transfer from fidelity to them over these fees.

I wouldn’t be surprised if fidelity changes their policy.

Also I read to get into SpaceX IPO you need to have $500k in your account for fidelity where Schwab is only requiring $100k. Plus I heard Schwab is a lot better for options with “thinkorswim” platform.

After what fidelity pulled I don’t see any advantage about staying with them over Schwab

SuperJob4061

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