Born in Barcelona, raised under the Volkswagen Group umbrella, and bred for spirited driving, Cupra is Spain’s boldest automotive export in decades. The company launched in 2018 and has already shifted 800,000 vehicles worldwide—hardly a startup, then. And now, they’re packing their bags for America.

Let’s get something out of the way. This isn’t some knockoff Alfa or a SEAT with a fancy badge. Cupra was spun off from SEAT, yes, but think of it less like a younger sibling and more like the rule-breaking cousin who shows up at the family reunion in designer sneakers and a master’s in engineering.

What makes Cupra different?

To start, Cupra isn’t playing the luxury game. It’s rewriting the aspiration playbook. It sits between the dependable, slightly beige world of VW and the polished corridors of Audi. If VW is your reliable accountant and Audi is your corner-office exec, Cupra is the creative director with a motorbike license and a vinyl collection.

Performance isn’t optional—it’s embedded. The Formentor, their flagship crossover, feels like someone took a Golf R, gave it a gym membership and an art degree, and let it loose on a mountain pass. The handling is tight, steering progressive, and yes, it comes with a torque splitter. Try saying that at your next dinner party.

Is the EV stuff any good?

Absolutely. Enter the Born, Cupra’s first electric offering. Based on the VW ID.3 platform, it’s a sharper, more soulful take on electric motoring. With range projections pushing 400 miles in its US guise, it’s finally an EV that doesn’t come with a side order of anxiety. It’s the car that proves electrification doesn’t have to mean sterilization.

Then there’s the Raval, a hot hatch dripping with Gen Z appeal—triangular LEDs, compact body, big-city attitude. It launches in Europe and Mexico this year. Expect to see it in Los Angeles traffic by the end of the decade, ideally in matte copper with a skateboard in the back.

Wait, Cupra’s a fashion brand now?

Sort of. Cupra’s building what they call emotional mobility. It’s not just cars—it’s culture. From clothing lines to music festival sponsorships, they’re trying to sell a vibe. The Cupra Design House—think Milan meets Madrid—has a hand in everything from car interiors to hotel lobbies. Their interiors match their jackets. It’s Apple-store consistency, with better shoes

Even motorsport isn’t just a flex—it’s a laboratory. Cupra races in Formula E, touring cars, and IMSA, all to prove one point: electric can still mean adrenaline.

So when’s Cupra landing in the U.S.?

By 2030, officially. Though if you’re in California, New York, or Miami, you’ll likely see Cupra badges before then. American-bound models will be beefed up—more range, roomier cabins, and enough performance to worry your neighbor’s Mustang.

Pricing will fall somewhere between a Toyota and a BMW—offering Sennheiser audio, Brembo brakes, and multi-mode drivetrains, but skipping the badge snobbery. They’re aiming for “premium without pretense.” In other words, a well-dressed punch in the ribs to German luxury.

Where are these cars made?

Cupra builds in VW Group plants across Spain, Germany, and China. For North America, they’re eyeing production closer to home—possibly Bogotá, with U.S. partnerships on the table. And yes, that means fewer tariffs and faster delivery.

What could go wrong?

Several things: brand recognition, building out a dealership network, and servicing EVs in a vast country with infrastructure as patchy as a teenager’s beard. But Cupra has a plan—city-based service hubs, digital-first ownership models, and immersive showrooms. Less carpeted dealership, more Soho boutique.

Is this a game-changer or just Euro hype?

Cupra’s already valued at over €2 billion, with aims to break into the world’s top 100 brands by 2030. They’re not shouting. They’re just… driving better. The Spanish aren’t here to blend in—they’re here to wake up a crossover market that’s grown tepid and bloated.

And if the Formentor I drove is the baseline, the rest of the lineup could be exactly what America’s been missing—a driver’s brand with real charm, enough tech to matter, and just enough attitude to make things interesting.

Cupra is coming. It’s not asking for permission. Just your keys. 

The post The Spanish Are Coming! And This Time, They’re Driving appeared first on ROI TV.

Imagine this: You walk into your local dealership, eyeing that sleek new sedan you’ve been saving up for, only to find its price has surged overnight. This isn’t a dealer’s whim but a direct consequence of the latest U.S. tariffs on vehicles imported from Mexico and Canada. As these tariffs take effect, the automotive industry braces for impact, and consumers are left wondering how this will affect their wallets and choices.​

What’s Driving the Tariffs?

In a bold move, the U.S. government has imposed a 25% tariff on vehicles and parts imported from Mexico and Canada. The aim? To encourage domestic production and address concerns over trade imbalances. However, given that these two countries are pivotal in the North American automotive supply chain, the ripple effects are substantial. Canada and Mexico combined account for a significant portion of vehicle imports into the U.S., making them integral to the industry’s ecosystem. ​

Which Vehicles Are in the Crosshairs?

Not all cars on the lot will see a price hike. Vehicles manufactured entirely within the U.S. or those meeting the stringent requirements of the United States-Mexico-Canada Agreement (USMCA) may sidestep these tariffs. However, models with substantial components sourced from Mexico or Canada are likely to see cost increases. This scenario places manufacturers like Volkswagen, whose popular models are assembled in Mexico, in a challenging position. The potential for increased prices looms large, affecting both the automaker and the consumer. ​

BMW’s Strategic Response

In the face of these tariffs, some automakers are taking decisive action to maintain consumer trust and market share. BMW, for instance, has assured its dealers that it will absorb the additional costs, at least temporarily. This move aims to keep showroom prices stable, allowing consumers to purchase models like the 3 Series without immediate financial strain. However, this strategy’s sustainability is uncertain, and consumers may eventually see price adjustments.​

The Consumer Dilemma

For the average car buyer, these developments introduce a layer of complexity to the purchasing decision. Should one rush to buy before potential price hikes? Is it wiser to pivot towards models less affected by tariffs? The uncertainty may also drive consumers to consider the used car market, potentially inflating prices in that segment as well. The decision-making process has become as intricate as the modern vehicles themselves.​

Automakers’ Tactical Maneuvers

Manufacturers are not sitting idle. Companies like Ford and General Motors are exploring options such as increasing U.S. production to mitigate tariff impacts. Others might adjust their supply chains or seek loopholes within trade agreements to maintain profitability without burdening consumers. These strategic decisions will shape the industry’s landscape in the coming years.​

The Broader Economic Implications

Beyond the showroom, these tariffs have far-reaching consequences. They influence trade relations, affect employment within the automotive sector, and could lead to higher prices for consumers. The interconnected nature of global supply chains means that such tariffs can disrupt industries beyond automotive, highlighting the delicate balance of international trade.​

A Temporary Reprieve

In a recent development, the Trump administration announced a temporary 30-day suspension of these tariffs to allow for negotiations and adjustments. This pause offers automakers a brief window to strategize and potentially adapt their operations to mitigate long-term impacts. However, the uncertainty remains, and the industry watches closely as discussions unfold. ​

Conclusion: Navigating the Uncertainty

As the automotive industry grapples with these changes, consumers and manufacturers alike face a period of uncertainty. Staying informed and adaptable will be key. Whether you’re in the market for a new vehicle or simply observing industry trends, understanding the implications of these tariffs is crucial. The road ahead may be unpredictable, but with insight and preparation, we can navigate the twists and turns together.​

Enjoyed this article? Stay in the driver’s seat with more automotive insights! Follow @NikJMiles and @TestMiles on social media for the latest news, reviews, and behind-the-scenes exclusives. Don’t miss out—join the conversation today!

The post How New Tariffs Could Shift the Automotive Landscape appeared first on ROI TV.

Many individuals approach retirement savings without a clear, written plan, which is crucial for long-term financial success. A written plan serves as a roadmap, helping you maintain your desired standard of living, prepare for unforeseen expenses, and reach your financial goals more efficiently. Surprisingly, a significant number of Americans lack such a plan, underscoring the need for proactive financial planning.

Determining Your Retirement Savings Goal

Understanding how much you need to save for retirement is vital. Begin by estimating your annual retirement expenses and subtracting any fixed income sources, such as Social Security. The remaining amount is your income shortfall, which your savings need to cover. Financial planners often recommend a withdrawal rate of around 4% or lower for individuals in their 60s or 70s to ensure the longevity of their retirement funds. Younger individuals should aim for a lower withdrawal rate, around 3% or less, to account for higher inflation and longer time horizons.

Budgeting for Retirement

Implementing a structured budgeting approach can aid in effective financial management. One such method is the 50/30/20 rule:

• 50% for Needs: Allocate half of your net income to essential expenses like housing, utilities, and groceries.
• 30% for Wants: Dedicate 30% to discretionary spending, such as dining out, entertainment, and hobbies.
• 20% for Savings or Debt Repayment: Commit 20% to saving for retirement or paying down debt.

Adhering to this rule can help ensure a balanced approach to spending and saving, promoting financial stability in retirement.

Creating a Written Financial Plan

Despite its importance, many people do not have a written financial plan, which significantly increases the likelihood of failing to meet retirement goals. A comprehensive plan should include:

• Retirement Age: Define when you plan to retire.
• Spending Needs: Estimate your annual expenses during retirement.
• Investment Strategy: Outline how your assets will be allocated and managed.
• Income Sources: Identify all fixed income sources, such as Social Security or pensions.
• Retirement Activities: Consider how you plan to spend your time, which can impact your budget.

Overcoming common barriers like procrastination, perceived lack of funds, and complexity is essential for successful retirement planning.

Risk Management and Expected Returns

Balancing risk and return is a cornerstone of investment strategy. Generally, higher risk can lead to higher returns but also requires a longer time horizon to manage market volatility. Younger investors may afford to take on more risk, while those closer to or in retirement should focus on preserving capital through a balanced approach. Understanding your risk tolerance and required rate of return is crucial for developing a solid investment strategy.

Emergency Savings and Debt Management

Maintaining an emergency fund of at least 3-6 months of expenses is recommended, with a year’s worth being advisable for those with unstable income. Additionally, increasing retirement contributions to 20% of income can enhance financial security. Regularly rebalancing your investment portfolio and managing high-interest debt are essential steps toward financial stability.

Social Security and Retirement Income

Social Security is designed to replace about 40% of an average worker’s salary; however, this percentage is lower for high-wage earners. It’s advisable to check your estimated benefits on the Social Security Administration’s website to understand your potential income and plan accordingly. Relying solely on Social Security is not recommended; having a diversified income strategy is essential.

Tax Implications and Investment Strategies

Capital gains taxes must be paid on stock earnings, even if reinvested in other stocks within the same year. Utilizing tax-loss harvesting can help offset gains and reduce your tax burden. This strategy involves selling investments that have declined in value to offset capital gains from other investments. It’s important to note that tax-loss harvesting applies to taxable investment accounts and not to tax-deferred retirement accounts like IRAs and 401(k)s. Ongoing management of your investment portfolio is crucial for long-term tax efficiency and financial health.

Key Takeaways and Action Items

• Develop a Budget: Create a detailed budget to manage your expenses and savings effectively.
• Create a Written Financial Plan: Outline your retirement goals and the strategies to achieve them.
• Construct a Balanced Investment Portfolio: Align your investments with your risk tolerance and expected returns.
• Manage Debt and Build Emergency Savings: Ensure all financial aspects are in sync for a successful retirement.

Utilizing resources like the Retirement Readiness Guide can provide detailed steps and strategies to thrive in retirement.

Intended for educational purposes only. Opinions expressed are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Neither the information presented, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Consult your financial professional before making any investment decisions. Opinions expressed are subject to change without notice.

IMPORTANT DISCLOSURES:

• Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, LLC. A Registered Investment Advisor.

• Pure Financial Advisors, LLC. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations.

• Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.

• Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values.

• All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy.

• Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.

The post Thriving in Retirement: Essential Strategies for Financial Success appeared first on ROI TV.

What is the FIRE Movement?
The FIRE movement focuses on drastically cutting expenses and saving aggressively to retire decades earlier than traditional norms. Advocates aim to achieve financial independence by building substantial assets, often retiring as early as age 40 or 45.

The Downsides of FIRE
An extreme focus on hitting financial milestones can lead to dissatisfaction and a lack of purpose after retirement. I like to share the story of Carl Mindy, who retired early with significant wealth but struggled to enjoy spending money and found himself unfulfilled. Pursuing financial independence at the expense of meaningful relationships and experiences can leave individuals feeling empty.

Aligning Money with Life Goals
Financial planning should be about more than just hitting numeric targets. Start with a clear understanding of your personal values and life goals. Write down what matters most—whether it’s relationships, health, or personal growth—and assign financial tasks to support these priorities. Money should be a tool to enhance your life, not the ultimate goal.

Practical Steps for Financial Planning
Intentional planning is key to aligning money with life goals. Budget for activities that bring joy and fulfillment, like family vacations, date nights, or hobbies. Assigning specific dollar amounts to these activities ensures they remain a priority in your financial plan.

Understanding Required Minimum Distributions (RMDs) and Tax Strategies
RMDs, which begin at age 73 for most retirees, can create significant tax burdens. Strategies like Roth conversions, delaying Social Security benefits, and utilizing qualified charitable distributions (QCDs) to reduce RMDs and optimize retirement finances.

Roth Conversions and QCDs
Roth conversions during low-tax years can reduce future tax liabilities by shifting funds from traditional IRAs to Roth IRAs. QCDs allow retirees to donate directly from their IRAs to charities, reducing taxable income and satisfying RMD requirements.

Asset Allocation and Legacy Planning
Adopt a conservative investment strategy for traditional IRAs to reduce growth and minimize RMDs. For those with significant IRA balances, legacy planning should consider tax implications for heirs. Strategies like naming a charitable trust as a beneficiary or converting funds to a Roth IRA can help mitigate tax burdens.

Conclusion
While financial independence is a worthy goal, it should not come at the expense of personal fulfillment. A well-rounded financial plan that aligns with your values and priorities ensures that your wealth supports a meaningful and enjoyable life. Pursue financial freedom with intentionality and purpose to achieve true satisfaction.

You should always consult a financial, tax, or legal professional familiar about your unique circumstances before making any financial decisions. This material is intended for educational purposes only. Nothing in this material constitutes a solicitation for the sale or purchase of any securities. Any mentioned rates of return are historical or hypothetical in nature and are not a guarantee of future returns.

Past performance does not guarantee future performance. Future returns may be lower or higher. Investments involve risk. Investment values will fluctuate with market conditions, and security positions, when sold, may be worth less or more than their original cost.

The post The Pitfalls of the FIRE Movement appeared first on ROI TV.

Social Security plays a pivotal role in the financial stability of many retirees. Approximately 40% of men and 42% of women depend on Social Security for over half of their retirement income. Given its significance, understanding how to maximize these benefits is crucial for a secure retirement.

Factors Affecting Social Security Benefits

Several elements influence the amount of Social Security benefits you may receive:

• Work History: Benefits are calculated based on your 35 highest-earning years. Years with no or low earnings can reduce your average, leading to lower benefits.
• Age at Claiming: You can begin claiming benefits as early as age 62; however, doing so results in a permanent reduction. Conversely, delaying benefits until age 70 can increase your monthly benefit by up to 32%. blog.ssa.gov
• Marital Status: Married individuals may be eligible for spousal or survivor benefits, which can impact the optimal timing and strategy for claiming.
• Life Expectancy: Considering your health and family history can help determine whether it’s advantageous to claim early or delay benefits.

Claiming Strategies for Social Security

Determining the right time to claim Social Security benefits requires careful consideration:

• Early Claiming (Age 62): While you can start receiving benefits at 62, this results in a permanent reduction of up to 30% compared to your full retirement age benefit. blog.ssa.gov
• Delayed Claiming (Up to Age 70): Delaying benefits increases your monthly payment due to delayed retirement credits. For each year you delay past your full retirement age, your benefit increases by approximately 8%. blog.ssa.gov
• Individual Considerations: Factors such as health status, financial needs, and other retirement income sources should guide your decision on when to claim benefits.

Spousal and Survivor Benefits

Understanding benefits available to spouses and survivors is essential:

• Spousal Benefits: A spouse can receive up to 50% of the higher-earning spouse’s benefit if claimed at full retirement age. Claiming earlier will reduce this benefit. hartfordfunds.com
• Survivor Benefits: Surviving spouses are eligible for 100% of the deceased spouse’s benefit if they claim at full retirement age. These benefits can be claimed as early as age 60, though at a reduced rate.

Break-Even Analysis for Social Security

A break-even analysis helps determine the age at which the total benefits received from delaying surpass those from early claiming. Typically, the break-even point is around age 80. If you expect to live beyond this age, delaying benefits may result in higher lifetime income.

Taxation of Social Security Benefits

Social Security benefits may be subject to federal income taxes:

• Provisional Income: This includes your adjusted gross income, nontaxable interest, and half of your Social Security benefits.
• Tax Thresholds:
  • Individual Filers: If your provisional income is between $25,000 and $34,000, up to 50% of your benefits may be taxable. Above $34,000, up to 85% may be taxable.
  • Joint Filers: For combined incomes between $32,000 and $44,000, up to 50% of benefits may be taxable. Above $44,000, up to 85% may be taxable. www-origin.ssa.gov

Bridging the Gap Before Claiming Social Security

If you choose to delay Social Security to maximize benefits, consider these strategies to cover expenses in the interim:

• Utilize Retirement Savings: Withdraw from 401(k)s, IRAs, or other savings accounts to meet living expenses.
• Part-Time Employment: Continuing to work can provide income and may increase your Social Security benefits if additional high-earning years replace lower-earning ones in your benefit calculation.

Free Social Security Analysis Offer

To assist in making informed decisions, we offer a complimentary Social Security analysis tailored to your unique circumstances. Visit our website to take advantage of this service and receive personalized recommendations on the optimal claiming strategy for you. www.purefinancial.com

Intended for educational purposes only. Opinions expressed are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Neither the information presented, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Consult your financial professional before making any investment decisions. Opinions expressed are subject to change without notice.

IMPORTANT DISCLOSURES:

• Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, LLC. A Registered Investment Advisor.

• Pure Financial Advisors, LLC. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations.

• Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.

• Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values.

• All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy.

• Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.

The post Max Out Your Social Security appeared first on ROI TV.

1. Electric Cars Have Short Ranges

Myth: Electric vehicles (EVs) can’t travel far on a single charge, making them impractical for long journeys.

Reality: While early EVs had limited ranges, modern models in 2025 boast impressive capabilities. Many can travel between 300 to 500 miles on a single charge, with high-end versions exceeding 600 miles. Advancements in battery technology and the expansion of fast-charging networks have significantly reduced range anxiety.

2. Self-Driving Cars Are Fully Autonomous

Myth: By now, cars can drive themselves without any human intervention.

Reality: Despite significant progress, most self-driving cars today are classified as Level 2 or 3 autonomy, meaning they require human oversight. Fully autonomous vehicles (Level 5) are still in testing phases and aren’t yet available for public use.

3. Electric Cars Are More Expensive in the Long Run

Myth: The high cost of EV batteries and potential replacements make them pricier over time compared to traditional vehicles.

Reality: Although the initial purchase price of an EV can be higher, lower maintenance costs, tax incentives, and decreasing battery prices often make them more affordable over their lifespan compared to internal combustion engine (ICE) vehicles.

4. Synthetic Fuels Will Save Gas-Powered Cars

Myth: Synthetic fuels will allow traditional gas-powered cars to remain relevant and environmentally friendly.

Reality: While synthetic fuels are being developed to reduce emissions, they remain expensive and are unlikely to become a mass-market solution. The automotive industry is increasingly focusing on EV adoption and renewable energy integration as more viable paths forward.

5. Manual Transmissions Are More Fuel Efficient

Myth: Driving a manual transmission car saves more fuel than an automatic.

Reality: Modern automatic transmissions, including continuously variable transmissions (CVTs) and dual-clutch systems, have become more fuel-efficient and responsive than manual gearboxes, debunking this long-standing belief.

6. Bigger Engines Always Mean Better Performance

Myth: A larger engine guarantees superior performance.

Reality: With advancements like turbocharging, hybrid systems, and refined engine designs, smaller engines can now deliver equal or even better performance than their larger counterparts, often with improved fuel efficiency.

7. You Need to Warm Up Your Car Before Driving

Myth: It’s essential to let your car idle and warm up before driving, especially in cold weather.

Reality: Modern engines are designed to perform efficiently almost immediately. Letting a car idle for extended periods before driving is unnecessary and wastes fuel.

8. Electric Vehicles Aren’t Environmentally Friendly Due to Battery Production

Myth: The environmental impact of battery production negates the benefits of driving an EV.

Reality: While battery production does have environmental impacts, the overall lifecycle emissions of EVs, even when accounting for electricity generation, are significantly lower than those of ICE vehicles. This advantage grows as power grids increasingly utilize renewable energy sources.

9. Regularly Changing Oil Is Necessary for All Cars

Myth: All vehicles require frequent oil changes to maintain engine health.

Reality: This myth lingers from the ICE era. EVs don’t need oil changes, and even modern gas cars require fewer changes thanks to advanced lubricants and engine technologies.

10. Flying Cars Are Just Around the Corner

Myth: We’re on the brink of a future where flying cars are commonplace.

Reality: While prototypes and concepts exist, flying cars remain in niche markets and face significant challenges in regulation, infrastructure, and affordability. They are not yet a mainstream reality.

In conclusion, as the automotive landscape continues to evolve, it’s essential to stay informed and question long-held beliefs. Embracing accurate information ensures we make the best choices for our driving futures.

The post Debunking the Top 10 Automotive Myths of 2025 appeared first on ROI TV.

The Importance of Portfolio Fit

Many individuals neglect to evaluate whether their portfolios align with their financial goals:

• Regular Checkups: Only 42% of people regularly review or rebalance their portfolios, leaving them vulnerable to misalignment.
• Diversification: Reassessing and rebalancing portfolios ensures they remain diversified and tailored to your age and objectives.

Average Account Balances and Savings Rates

Understanding average savings rates and benchmarks can help you assess your progress:

• Account Balances: Average balances vary significantly by age, with $100,000 for those in their 40s and $160,000 for those in their 50s.
• Savings Rate: The average rate is 8.9%, but aiming for 15-20% of income is ideal, especially if you’re catching up.

Asset Allocation by Age

Asset allocation is key to ensuring your portfolio is age-appropriate:

• Younger Investors: Those in their 20s should have around 90% in stocks for growth.
• Older Investors: As you age, shift towards more bonds and cash to reduce risk.
• Common Mistakes: Data shows that people in their 60s and 70s often have portfolios resembling those in their 30s, indicating a mismatch.

Cash and Bond Allocations

Cash and bonds play specific roles in a well-balanced portfolio:

• Cash: Should primarily be for emergencies or short-term needs, not long-term investments. However, many portfolios have around 28% in cash across all age groups.
• Bonds: Only about 10% of portfolios for those in their 50s and 60s are in fixed income, despite its ability to provide stability and income.

The Importance of Global Diversification

Most portfolios are heavily weighted in U.S. stocks, creating unnecessary risks:

• Home Bias: Around 80-85% of portfolios are in U.S. stocks, with only 15-20% in international markets.
• Balanced Approach: Consider allocating two-thirds to domestic stocks and one-third to international stocks to reduce risk and tap into global growth opportunities.

Retirement Savings Benchmarks

Benchmarks help track whether you’re on target for retirement:

• By Age 30: Aim to have one times your income saved.
• By Age 40: Increase to three times your income.
• By Age 60: Strive for eight times your income.
• Tax Diversification: Use a mix of tax-deferred, tax-free, and taxable accounts to enhance flexibility.

Dollar Cost Averaging for Long-Term Growth

Investing consistently over time mitigates market timing risks:

• How It Works: Dollar cost averaging involves investing a fixed amount at regular intervals, averaging out market highs and lows.
• Benefits: This strategy reduces the emotional aspect of investing and builds discipline.

Avoiding Common Portfolio Mistakes

Portfolio management requires avoiding these key errors:

• Overweight Cash: Too much cash limits growth potential.
• Underweight Bonds: Skimping on bonds can increase volatility and reduce income stability.
• Market Timing: Trying to time the market often leads to missed opportunities and lower returns.

Conclusion

Ensuring your retirement portfolio aligns with your goals requires regular review, proper asset allocation, and strategic diversification. By addressing common blind spots and implementing these strategies, you can create a portfolio that grows with you and secures your future. Start optimizing your retirement portfolio today to achieve long-term success.

Intended for educational purposes only. Opinions expressed are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Neither the information presented, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Consult your financial professional before making any investment decisions. Opinions expressed are subject to change without notice.

IMPORTANT DISCLOSURES:

• Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, LLC. A Registered Investment Advisor.

• Pure Financial Advisors, LLC. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations.

• Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.

• Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values.

• All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy.

• Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.

The post Ensure Your Retirement Portfolio Matches Your Goals: Key Strategies for Success appeared first on ROI TV.

A Defender Like No Other

The Defender OCTA isn’t just another rugged SUV—it’s an off-road powerhouse with the soul of a performance machine. It’s the first Defender to balance track-level speed with extreme off-road prowess, making it one of the most versatile SUVs on the planet. Under the hood, it packs a 4.4-liter twin-turbo mild-hybrid V8, cranking out a staggering 626 horsepower and launching from 0–60 mph in just 3.8 seconds. Not bad for a vehicle that can also wade through rivers and climb rocky terrain like a mountain goat.

Engineering That Defies Limits

Land Rover has equipped the OCTA with hydraulically interlinked dampers, a system that virtually eliminates body roll on-road while enhancing articulation off-road. Think of it as yoga for your SUV—except instead of stretching, it’s mastering brutal landscapes with effortless composure.

For the first time ever, the Defender introduces a performance off-road mode, featuring launch control for loose terrain and advanced anti-lock braking to keep things under control. It can wade through 3.3 feet of water, 13 inches more than most off-road SUVs—because who doesn’t love a little deep-water adventure?

Tackling the Wild

Driving through South Africa’s unforgiving terrain, the OCTA felt unstoppable. From jagged mountain passes to towering dunes, it powered through without hesitation. And let’s be honest—every true off-roader needs a good Zebra encounter story, right?

Rugged Meets Refined

The Edition One model takes things up a notch with exclusive Faroe Green paint, a Khaki and Ebony interior, and Chopped Carbon Fiber accents. It’s the perfect balance of ruggedness and luxury—like going on a wilderness trek in designer boots.

And if you think Land Rover stopped at performance, think again. The new performance seats actually let you feel the music, turning your seat into a built-in subwoofer. Welcome to the future of in-car entertainment.

Precision and Control at Any Speed

Massive Brembo brakes, advanced ABS, and ClearSight technology ensure that no matter the surface—gravel, sand, or city streets—the Defender OCTA stays in charge. It’s not just about brute power; it’s about controlled, intelligent performance.

The Price of Adventure

Starting at $152,000, the Defender OCTA doesn’t come cheap. But with this level of power, capability, and tech, it’s not just a vehicle—it’s an experience.

Final Thoughts: A New Era for SUVs

The Defender OCTA redefines what an SUV can be—blistering speed, unmatched luxury, and an off-road warrior all in one. Now, it’s time for the next adventure. Where would you take it? 

The post Land Rover Defender OCTA: The Ultimate Blend of Power and Capability appeared first on ROI TV.

Key Changes Under the Inflation Reduction Act
The Inflation Reduction Act has introduced critical updates to Medicare over recent years. In 2023, insulin costs were capped at $35 per month, significantly lowering out-of-pocket expenses for insulin users. Additionally, vaccines like flu, pneumonia, Hepatitis B, and shingles are now covered at zero co-pay, removing financial barriers to these essential immunizations.

In 2024, Medicare drug plans will see the catastrophic phase eliminate the 5% co-insurance responsibility, capping annual out-of-pocket expenses at $3,300–$3,800. By 2025, the Medicare landscape will change further, with the elimination of the coverage gap (commonly called the “doughnut hole”) and the introduction of a $2,000 spending cap for prescription drugs.

The New Medicare Prescription Payment Plan
To ease the financial strain of the $2,000 out-of-pocket cap, Medicare is introducing a payment plan that allows beneficiaries to spread costs over the year.

The plan divides out-of-pocket expenses into three phases:

• Deductible Phase: Patients cover 100% of medication costs up to $590.
• Initial Coverage Phase: Patients pay 25% of drug costs, with the plan covering 75% for generics and 65% for brand names.
• Catastrophic Phase: No out-of-pocket costs, as expenses are covered by the drug plan, Medicare, and manufacturers.

This phased structure ensures beneficiaries have predictable costs and a manageable payment schedule throughout the year.

How the Payment Plan Works
The payment plan doesn’t reduce costs but makes them more manageable by spreading expenses. Here’s how it operates:

• The first month’s payment is calculated based on the $2,000 cap divided by the remaining months or the actual cost of medications, whichever is higher.
• Monthly payments adjust based on the remaining balance and months left in the year.

This flexibility is particularly beneficial for those with high-cost medications, enabling them to avoid large upfront expenses.

Scenarios and Examples
High-cost medication users will benefit most, as their payments are spread evenly until the $2,000 cap is reached. However, individuals with lower annual drug costs may not find the plan advantageous since their monthly payments might exceed actual medication costs. For mid-year enrollees, payments will adjust dynamically based on when they join and their medication needs.

Who Should Consider the Payment Plan?
The payment plan is voluntary and incurs no additional cost. However, it isn’t suitable for everyone:

• Individuals with low yearly drug costs or those who enroll after September may not benefit.
• Those eligible for extra help, Medicare Savings Programs, or other assistance programs may not find the plan necessary.
• Individuals who prefer paying directly at the pharmacy might opt out as well.

To enroll, beneficiaries must first select a Part D plan and then opt into the payment plan through their carrier’s website or by phone.

Final Thoughts
The Medicare Prescription Payment Plan introduced under the Inflation Reduction Act represents a significant step toward making healthcare more affordable for seniors. While it doesn’t reduce overall costs, its flexibility and predictable payment structure offer much-needed relief for beneficiaries with high medication expenses.

As Medicare continues to evolve, understanding these changes is crucial for making informed decisions about your healthcare. Consider your medication costs, financial preferences, and eligibility to determine if the payment plan aligns with your needs.

The post How the Inflation Reduction Act Impacts Medicare Prescription Drug Costs in 2025 appeared first on ROI TV.

How fast is the Rivian R1S?

Rivian has engineered the R1S to accelerate from 0 to 60 mph in a swift 2.6 seconds, courtesy of its quad-motor system delivering over 1,000 horsepower. This performance places it among the elite in the SUV category, rivaling even some high-end sports cars. However, speed is just one aspect; the vehicle’s overall appeal depends on a combination of factors.

How does the R1S handle various terrains?

The 2025 R1S features a quad-motor system, with each wheel powered independently. This design allows for precise power distribution, enhancing traction and control across diverse terrains. Whether navigating rocky trails or urban streets, drivers can expect a smooth and controlled ride.

What is the driving range of the R1S?

Rivian advertises a range of up to 410 miles per charge for the R1S. However, real-world testing suggests a more realistic range of approximately 350 miles. While still commendable, potential buyers should be aware that actual range can vary based on driving habits and conditions.

What security features does the R1S offer?

Safety is a priority, and Rivian’s Gear Guard Live Cam adds an innovative layer of security. This system uses multiple cameras to monitor the vehicle’s surroundings, providing peace of mind by keeping an eye on your gear during adventures. The system activates when something comes within a foot of the SUV and remains on unless manually deactivated.

How do the headlights enhance driving?

Rivian’s dynamic headlights adapt to driving conditions in real-time, improving visibility on winding roads and enhancing safety during night driving. Additionally, they contribute to the vehicle’s modern and sophisticated appearance.

What entertainment options are available?

The R1S is equipped with Rivian’s Connect+ system, transforming the SUV into a mobile entertainment hub. With integrated Apple Music and a Dolby Atmos sound system, occupants can enjoy high-quality audio streaming, making long trips or daily commutes more enjoyable.

How does the climate control system work?

The R1S features tri-zone climate control, allowing each passenger to set their preferred temperature. This personalized comfort ensures harmonious journeys, eliminating disputes over the air conditioning settings.

What is unique about Rivian’s drive systems?

Rivian has developed its drive systems in-house, resulting in improved performance and efficiency. This proprietary technology has even attracted partnerships, such as a recent deal with Audi to exchange parts and information, highlighting Rivian’s growing influence in the automotive industry.

How does the suspension system enhance the ride?

The R1S is equipped with an automatic air suspension system that adjusts ride height based on terrain. Drivers can lower the vehicle for highway cruising or raise it for off-road excursions without manual intervention, ensuring optimal comfort and performance across diverse environments.

What accessories are available for outdoor enthusiasts?

For those who love the great outdoors, Rivian offers accessories like the optional Travel Kitchen—a compact yet efficient kitchen setup that can be deployed at campsites. It provides all the essentials needed to cook on the go, catering to adventurous souls who appreciate good food amidst nature.

Is the Rivian R1S worth its price?

With a price tag exceeding $100,000 for the top-tier model, the R1S represents a significant investment. However, the extensive array of technology, thoughtful design, and performance capabilities make it a compelling option for those seeking a high-end electric SUV that doesn’t compromise on functionality or innovation.

In summary, the 2025 Rivian R1S sets a new benchmark in the electric SUV market by combining speed, control, range, and a suite of innovative features. While it comes at a premium price, the R1S offers a comprehensive package that challenges conventional perceptions of what an SUV can be, making it a noteworthy consideration for prospective buyers in this segment.

NIK Miles

Auto Reporter/Influencer

The post 2025 Rivian R1S: The Electric SUV Redefining Speed appeared first on ROI TV.

What distinguishes the new Ghost Series II from its predecessors?

The Ghost Series II harmoniously blends timeless design with contemporary enhancements. Externally, it features a redesigned illuminated Pantheon grille and updated headlight graphics, offering a fresh yet familiar visage. The interior showcases new materials, including Grey-Stained Ash wood and Duality Twill, a bamboo-based textile, reflecting a commitment to sustainable luxury. Technological advancements are evident with the integration of the SPIRIT operating system, which enhances connectivity and user experience.

How has the Ghost influenced the Rolls-Royce brand’s evolution?

Since its debut in 2009, the Ghost has been instrumental in attracting a younger demographic to the Rolls-Royce marque. The average client age has notably decreased from 58 to 43, indicating the model’s appeal to a new generation of luxury car enthusiasts. This shift underscores the Ghost’s role in redefining the brand’s image and broadening its market reach.

What enhancements does the Black Badge Ghost Series II offer?

The Black Badge variant elevates the Ghost’s performance and aesthetic appeal. It boasts an increase of 29 horsepower and 37 lb-ft of torque, delivering a more dynamic driving experience. An exclusive ‘Low’ button unlocks the vehicle’s full performance potential, accompanied by a more assertive exhaust note. Interior refinements include the use of Technical Carbon finishes and darkened metals, creating a distinctive and contemporary ambiance.

In what ways does the Ghost Series II challenge traditional perceptions of luxury vehicles?

The Ghost Series II embodies a subtle yet impactful shift in luxury automotive design. By incorporating sustainable materials and advanced technology, it challenges the notion that traditional elements solely define opulence. This model appeals to those who value innovation and environmental consciousness alongside luxury, reflecting a broader societal trend towards sustainable consumption.

How does the Ghost Series II cater to both drivers and passengers?

The Ghost Series II is engineered to provide an exceptional experience for both drivers and passengers. The Extended version offers an additional 6.69 inches of rear space, with optional reclining Serenity Seating, ensuring passenger comfort during extended journeys. For the driver, the enhanced Planar Suspension System and responsive braking deliver a smooth and controlled ride, embodying the marque’s commitment to effortless driving dynamics.

What role does craftsmanship play in the Ghost Series II?

Craftsmanship remains at the heart of the Ghost Series II. The interior features intricate details, such as 2.2 million stitches and 11 miles of thread in the embroidered bamboo fabric, exemplifying the meticulous attention to detail synonymous with Rolls-Royce. This dedication to artistry ensures that each vehicle is not merely a mode of transportation but a bespoke masterpiece.

How does the Ghost Series II balance tradition and innovation?

The Ghost Series II adeptly balances the rich heritage of Rolls-Royce with contemporary advancements. While retaining the iconic 6.75-liter V12 engine, it incorporates modern technologies like the SPIRIT operating system and enhanced connectivity features. This synthesis ensures that the vehicle meets the expectations of today’s consumers while honoring the brand’s storied past.

What impact does the Ghost Series II have on the luxury automotive market?

The introduction of the Ghost Series II reinforces Rolls-Royce’s position at the pinnacle of the luxury automotive market. By appealing to a younger, more diverse clientele and integrating sustainable materials, the model sets a precedent for competitors. It challenges the industry to evolve, reflecting changing consumer values and the increasing importance of environmental considerations in luxury goods.

In conclusion, the Rolls-Royce Ghost Series II is a testament to the brand’s ability to innovate while maintaining the unparalleled craftsmanship and luxury that define its legacy. It is a vehicle that not only meets but anticipates the desires of the modern luxury consumer, ensuring its relevance and appeal in an ever-changing market landscape.

NIK Miles

Auto Reporter/Influencer

The post Rolls-Royce Ghost Series II: Redefining Luxury appeared first on ROI TV.

As the automotive industry accelerates into the future, 2024 has proven to be a year of unexpected turns and notable trends. From the enduring dominance of pickup trucks to the meteoric rise of electric vehicles (EVs) in the used car market, the preferences of American drivers are both evolving and, in some cases, holding steadfast.

What Vehicles Topped the Sales Charts in 2024?

The Ford F-Series continues its reign as America’s best-selling vehicle, with an impressive 572,970 units sold. Hot on its heels is the Chevrolet Silverado, boasting 454,499 units sold, followed by the Toyota RAV4 with 399,116 units. This trio underscores a persistent consumer preference for robust trucks and versatile SUVs.

Why Do Pickup Trucks Maintain Their Popularity?

Pickup trucks have long been emblematic of American automotive culture. Their sustained popularity can be attributed to their versatility, durability, and the evolving features that cater to both work-related tasks and everyday driving. Manufacturers have adeptly blended utility with comfort, ensuring these vehicles appeal to a broad spectrum of consumers.

How Are Electric Vehicles Faring in the Market?

Electric vehicles are no longer the niche products they once were. The Tesla Model Y leads the charge in the EV segment, with 315,444 registrations in 2024. Following are the Tesla Model 3 with 123,550 registrations and the Ford Mustang Mach-E at 40,531. This surge indicates a significant shift towards sustainable mobility, with consumers increasingly embracing electric options.

What Factors Are Driving the Adoption of EVs?

Several elements contribute to the growing acceptance of electric vehicles:

·       Environmental Concerns: A heightened awareness of climate change has prompted consumers to seek eco-friendly transportation alternatives.

·       Advancements in Technology: Improved battery life and expanded charging infrastructure have alleviated previous concerns about range and convenience.

·       Economic Incentives: Government subsidies and tax credits make EVs a more financially attractive option for many buyers.

Which Vehicles Are Dominating the Used Car Market?

In a surprising twist, the Tesla Model 3 has ascended to the top of the used car market in 2024, a leap from its position outside the top 20 last year. This rise reflects the increasing desirability and trust in electric vehicles among consumers. Additionally, SUVs have a strong presence, comprising half of the top 10 used vehicles, with models like the Chevrolet Equinox and Nissan Rogue leading the pack.

Why Are SUVs So Prevalent in the Used Car Market?

SUVs offer a compelling combination of affordability, versatility, and safety features. Their spacious interiors and adaptable cargo capacities make them ideal for families and individuals with active lifestyles. Moreover, advancements in fuel efficiency have mitigated previous concerns about their environmental impact.

How Is the Car Buying Experience Evolving?

The digital revolution has permeated the automotive industry, transforming how consumers purchase vehicles. Online platforms now allow shoppers to browse thousands of cars from the comfort of their homes, complete with virtual tours and detailed specifications. The convenience of home delivery or local pickup further enhances the buying experience, catering to the modern consumer’s demand for efficiency and ease.

What Does the Future Hold for the Automotive Industry?

The trends of 2024 suggest a dynamic future for the automotive sector:

·       Increased Electrification: With manufacturers like Tesla setting benchmarks, other automakers are poised to expand their electric offerings, contributing to a more diverse EV market.

·       Technological Integration: The incorporation of advanced driver-assistance systems and infotainment technologies will continue to enhance the driving experience.

·       Sustainability Initiatives: A focus on eco-friendly materials and manufacturing processes will become increasingly prevalent as environmental concerns remain at the forefront.

Conclusion

The automotive landscape of 2024 is a tapestry woven with tradition and innovation. While stalwart favorites like the Ford F-Series maintain their dominance, the rise of electric vehicles and the transformation of the car-buying experience signal a new era in mobility. As consumers’ preferences evolve, manufacturers are challenged to adapt and innovate, ensuring that the vehicles of tomorrow meet the demands of a changing world. 

The post 2024 Was A Year of Surprises and Shifts in the Automotive Landscape appeared first on ROI TV.

What Is Depreciation and Why Should You Care?

Depreciation is the rate at which a vehicle loses value over time. In the U.S., cars lose an average of 32.36% of their value in just three years. While it may seem like an abstract figure, it translates to real financial loss when you go to sell or trade in your car.

For example:

• If you buy a car for $40,000, it may only be worth $27,000 after three years\u2014a $13,000 loss.

For car buyers, depreciation is a silent wallet killer that can drain your finances unless you plan wisely.

Which Vehicles Depreciate the Most?

Not all cars are created equal when it comes to value retention. Big luxury SUVs and large vehicles often lose value the fastest. Here are a few of the biggest depreciators:

• Lincoln Navigator
  • Original Price: $83,265
  • Value After 3 Years: $44,067
  • Depreciation Rate: 47.08%
• Mazda CX-90
  • Original Price: $37,845
  • Value After 3 Years: $21,327
  • Depreciation Rate: 43.65%
• Ford Expedition
  • Original Price: $55,105
  • Value After 3 Years: $31,389
  • Depreciation Rate: 43.04%

Why? Luxury vehicles and large SUVs start with higher price tags, so there’s more value to lose. Market demand and high fuel costs also accelerate depreciation for these vehicles.

Why Do Cars Depreciate So Quickly?

Several factors contribute to a car’s loss of value:

1. Mileage and Wear: The more you drive, the faster your car depreciates, especially if there’s visible wear and tear.
2. Technology Trends: Cars with older tech become outdated quickly.
3. Fuel Efficiency: Less efficient vehicles lose value when fuel prices spike.
4. Brand Reputation: Brands known for reliability (like Toyota) hold value better than those with poor reputations.
5. Market Saturation: If too many of a particular model are available, used car prices drop.

Which Vehicles Hold Their Value Best?

While some cars depreciate rapidly, others retain value exceptionally well. Trucks, sports cars, and reliable brands tend to top the list:

• Toyota Tacoma
  • Original Price: $33,700
  • Value After 3 Years: $27,880
  • Depreciation Rate: 17.27%
• Toyota Supra
  • Original Price: $46,440
  • Value After 3 Years: $37,857
  • Depreciation Rate: 18.48%
• Subaru BRZ
  • Original Price: $30,195
  • Value After 3 Years: $24,356
  • Depreciation Rate: 19.34%

These vehicles hold their value thanks to strong reliability, fan followings, and consistent demand.

What This Means for Car Buyers

Understanding depreciation can help you make smarter financial decisions:

• For New Car Buyers: Avoid cars with steep depreciation rates unless you’re okay with the financial hit. Choosing vehicles with better resale value might cost more upfront but save money long-term.
• For Used Car Buyers: Depreciation works to your advantage. A three-year-old car can offer significant savings while still providing many years of reliable service.

How to Protect Yourself from Depreciation

1. Buy Reliable Vehicles: Opt for brands and models with proven long-term value.
2. Consider Used Cars: A vehicle that’s two to three years old has already absorbed the steepest depreciation.
3. Limit Mileage: Keeping mileage low preserves value when it’s time to sell.
4. Maintain Your Car: Regular maintenance, repairs, and avoiding accidents keep resale values higher.

The Bottom Line

Depreciation is an unavoidable cost of car ownership, but understanding its impact can save you thousands. Whether you’re shopping for a durable truck, a sporty coupe, or a reliable family SUV, knowing how different vehicles hold their value helps you make a smarter, long-term investment.

After all, the best car isn’t just one that turns heads\u2014it’s one that turns into a wise financial choice.

The post Vehicle Depreciation: The Hidden Cost That Can Wreck Your Wallet appeared first on ROI TV.