Sad but true that all 10 have foreign labels but are made by American workers. American management seems to have hard time managing the process of making reliable cars. Perhaps their top brass does not stay long enough in the job or wants more money or wants to build a corporate empire or run the company into bankruptcy or sale in order to cancel labor contracts or run up the stock price by cutting R&D so the options have more value or retire with a $1 million pension while cutting everyone else’s pension and health care benefits. It is amazing that the best cars are made by the management that takes the fewest rewards. Bottom of the reliability scores: Jeep, Dodge, Ford, Chrysler
Securities-Backed Lines of Credit are being marketed by your broker/advisor but regulators are concerned that when your portfolio loses value, you may have problems with repayments. Your loan may be called at any time so the extra capital may not be worth the risk especially if you are using assets you expect to grow long term. On the other hand, if you have a sure thing—an investment you know will perform (?) and you pledge a small part of your portfolio, the low fixed interest rate on these loans may be perfect. Compare a 15 month 0% balance transfer loan from your credit card. A variable rate SBLOC may add another level of risk not worth taking.
Many are already doing everything online on their smartphones, so why pay for home broadband or landlines? Cable firms have a problem. Where will we do work if we are already on call from employers via phone. If all major computing is done in cloud, why keep data on separate drives? We won’t need a wallet or purse for creds/info. Work will be running machines that actually do the physical stuff except personal services like plumbers, electricians and movers. Most of us find answers online now—diagnose illness, home and car repairs/problems/purchase, work issues. We buy almost everything online from Amazon, et al so retail stores become rare treat. What change is next?