Search found 1091 matches

by Lieutenant.Columbo
Wed Apr 25, 2018 9:49 pm
Forum: Investing - Theory, News & General
Topic: Jeremy Siegel's 1/3, 1/3, 1/3 diversification
Replies: 18
Views: 2967

Re: Jeremy Siegel's 1/3, 1/3, 1/3 diversification

It's not a huge amount of extra risk, but it's more risk, not less. It may well have a better reward-for-risk relationship, but, again, it is more risk, not less . In short, Professor Siegel's portfolio sounds quite suitable for someone with a secure tenured academic job, probably a decent chunk of...
by Lieutenant.Columbo
Wed Apr 25, 2018 9:31 pm
Forum: Investing - Theory, News & General
Topic: Stocks for the Long Run by Jeremy Siegel
Replies: 19
Views: 2624

Re: Stocks for the Long Run by Jeremy Siegel

It was worth buying the fifth edition just to read: In the first four editions of Stocks for the Long Run , I noted that the last 30-year period when the return on long-term bonds beat stocks ended in 1861, at the onset of the Civil War. That is no longer true. Because of the large drop in governme...
by Lieutenant.Columbo
Wed Apr 25, 2018 5:03 pm
Forum: Investing - Theory, News & General
Topic: Stocks for the Long Run by Jeremy Siegel
Replies: 19
Views: 2624

Re: Stocks for the Long Run by Jeremy Siegel

I've read an earlier edition (3rd?) from the library, and I decided to buy a used edition of the 5th. It's a great reference book, and makes several important points about the character of equity investments. In my opinion there wasn't much in the way of revelatory information included, but the boo...
by Lieutenant.Columbo
Sun Apr 22, 2018 10:07 pm
Forum: Investing - Theory, News & General
Topic: Nick Murray and bonds
Replies: 17
Views: 1630

Re: Nick Murray and bonds

Resuscitating this Topic to ask livesoft: livesoft, 1. Have the frequency and or the extent of the bond outperformance over stocks over long periods of time been so significant for this to even be a factor in deciding how much or whether to hold bonds? 2. If the answer/s is/are "yes", will this "so...
by Lieutenant.Columbo
Sun Apr 22, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: Nick Murray and bonds
Replies: 17
Views: 1630

Re: Nick Murray and bonds

Because life happens, and a modest allocation to bonds is a small price to pay if, God forbid, you need to access some of the money a lot earlier than you had originally anticipated. Fair enough. What would you say of... 5-year of household discretionary+required expenses in bonds the rest in stock...
by Lieutenant.Columbo
Sun Apr 22, 2018 5:54 pm
Forum: Investing - Theory, News & General
Topic: Nick Murray and bonds
Replies: 17
Views: 1630

Re: Nick Murray and bonds

Because life happens, and a modest allocation to bonds is a small price to pay if, God forbid, you need to access some of the money a lot earlier than you had originally anticipated. Fair enough. What would you say of... 5-year of household discretionary+required expenses in bonds the rest in stock...
by Lieutenant.Columbo
Sun Apr 22, 2018 5:47 pm
Forum: Investing - Theory, News & General
Topic: Nick Murray and bonds
Replies: 17
Views: 1630

Re: Nick Murray and bonds

One thing I have never understood though, for someone who understands the markets and doesn't get spooked by (temporary) losses, why would you ever want bonds in your retirement portfolio until you were like 10 years away from retirement and especially in the current rate environment we are in? Bec...
by Lieutenant.Columbo
Fri Apr 13, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Taxes: Do you have to pay in equal installments?
Replies: 45
Views: 9307

Re: Re:

I'm resuscitating this Topic to confirm if what you said in 2009 still holds true (if it was true then :wink:). What you said then it what makes the most sense to me: paying by each due date the liability of the immediately prior 'IRS quarter'. No more no less. Now, can that approach get a tax paye...
by Lieutenant.Columbo
Fri Apr 13, 2018 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Taxes: Do you have to pay in equal installments?
Replies: 45
Views: 9307

Re:

If you keep a running total on a spreadsheet you can determine what your current liability is each 'quarter' and pay it before the due date . Your income from 1/1 to 3/31 would not require an estimated payment until 4/15. Likewise for the 'quarter' ending on 5/31, the payment isn't due until 6/15; ...
by Lieutenant.Columbo
Fri Apr 06, 2018 7:24 am
Forum: Investing - Theory, News & General
Topic: Bill Bernstein, new podcast
Replies: 56
Views: 5880

Re: Bill Bernstein, new podcast

Some have mastered the ability to retain happiness over what they already have. I try to feel a sense of appreciation for what I have on a daily basis. Variety makes things a little less routine I try to do/be the same. I usually think I'm lucky all I need to be content is being/observing/reading/c...
by Lieutenant.Columbo
Fri Apr 06, 2018 6:04 am
Forum: Investing - Theory, News & General
Topic: 529 plan use in 2018 - Homeschooling
Replies: 20
Views: 1992

Re: 529 plan use in 2018 - Homeschooling

...our experience is, if you go with a quality curriculum , K-8 is sufficient to allow your children to enter college. Generally they will require a proficiency test, but our children were able to do collegiate work at age 14 and graduated in STEM 4.0/4.0. I point this out as you might want to targ...
by Lieutenant.Columbo
Thu Apr 05, 2018 8:50 pm
Forum: Investing - Theory, News & General
Topic: Bill Bernstein, new podcast
Replies: 56
Views: 5880

Re: Bill Bernstein, new podcast

when discussing (implicitly) DFAs target date funds he was spot on. Steve: Nice. That’s awesome. I want to make one quick aside here just because I had an interesting conversation and I’m not trying to contradict to you. But I’d done some work in a previous project with Bob Merton , so the Nobel Pr...
by Lieutenant.Columbo
Wed Apr 04, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: My wife being added to my single-member LLC
Replies: 16
Views: 1880

Re: My wife being added to my single-member LLC

I did this and wrote a big post about it once. It is a very good idea for you as you'll get an extra 401(k) ($53K) without even having to pay any extra in SS tax like I did. This all assumes there is enough income in this LLC to be able to max out an individual 401(k) for each of you. Remember, if ...
by Lieutenant.Columbo
Wed Apr 04, 2018 12:06 am
Forum: Personal Finance (Not Investing)
Topic: Freelancing Physician Spouses, Will Sharing One LLC Risk Asset Protection? Florida
Replies: 11
Views: 914

Re: Freelancing Physician Spouses, Will Sharing One LLC Risk Asset Protection? Florida

still waiting to hear back from attorney; I suspect the office is closed this week Medical malpractice affects the individual physician. And so just as a corporation doesn't shield a physician from med mal, nor should a corp be liable from a med mal case. A med mal case would not suddenly reach othe...
by Lieutenant.Columbo
Mon Apr 02, 2018 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Freelancing Physician Spouses, Will Sharing One LLC Risk Asset Protection? Florida
Replies: 11
Views: 914

Re: Freelancing Physician Spouses, Will Sharing One LLC Risk Asset Protection? Florida

My concern was that if the LLC was sued anyway, and both of us being owners and spouses, if that'd pierce the asset protection of tenants by entirety (TBE) and the claimant might have access to our personal assets that we hold as TBE. I don't think so. But first, your LLC will probably be named reg...
by Lieutenant.Columbo
Mon Apr 02, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Freelancing Physician Spouses, Will Sharing One LLC Risk Asset Protection? Florida
Replies: 11
Views: 914

Re: Freelancing Physician Spouses, Will Sharing One LLC Risk Asset Protection? Florida

I contacted one FL asset-protection lawyer this morning about setting up a consultation. Waiting to hear back. Will report here what I learn. Thank you everyone for your replies. Medical malpractice affects the individual physician. And so just as a corporation doesn't shield a physician from med ma...
by Lieutenant.Columbo
Mon Apr 02, 2018 6:38 am
Forum: Personal Finance (Not Investing)
Topic: Freelancing Physician Spouses, Will Sharing One LLC Risk Asset Protection? Florida
Replies: 11
Views: 914

Freelancing Physician Spouses, Will Sharing One LLC Risk Asset Protection? Florida

Say two spouses are physicians, each with a different freelance gig. Both in Florida. Neither hires staff nor owns or runs an office. They work at others' offices/hospitals, where staff and operating rooms are provided. Say both spouses create one common LLC and elect to tax it as S-Corporation. Eac...
by Lieutenant.Columbo
Sun Apr 01, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Adding Spouse To Single-Member LLC?
Replies: 11
Views: 1517

Re: Adding Spouse To Single-Member LLC?

It sounds like you in effect want to do a post-nuptiual agreement that characterizes the LLC as a community asset. May not be necessary if the LLC post-dates the marriage and what if any assets were used to fund it. Depends on state. In WA, if LLC or other business was started during marriage it is...
by Lieutenant.Columbo
Sun Apr 01, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: My wife being added to my single-member LLC
Replies: 16
Views: 1880

Re: My wife being added to my single-member LLC

I did this and wrote a big post about it once. It is a very good idea for you as you'll get an extra 401(k) ($53K) without even having to pay any extra in SS tax like I did. This all assumes there is enough income in this LLC to be able to max out an individual 401(k) for each of you. Remember, if ...
by Lieutenant.Columbo
Sun Apr 01, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Adding Spouse To Single-Member LLC?
Replies: 11
Views: 1517

Re: Adding Spouse To Single-Member LLC?

Actually, the fact that the LLC is treated as an S-Corp probably makes this easier. The standard IANAL disclaimer and you should certainly consult with one on this, but I think all that is necessary is to make your spouse a co-equal shareholder in the corporation . As a co-equal shareholder, the sp...
by Lieutenant.Columbo
Sat Mar 31, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Liability for 32 year old step son living home
Replies: 79
Views: 8320

Re: Liability for 32 year old step son living home

If I can just motivate him to put down his video games and get a job, then the situation would be a lot better. In the meantime I am always worried that something can happen why are you putting up with this situation for any longer than a specific amount of time as clearly expressed to him by you w...
by Lieutenant.Columbo
Sat Mar 31, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: S Corp Profit Contribution to Solo 401k
Replies: 11
Views: 513

Re: S Corp Profit Contribution to Solo 401k

Good point on your sentence above that I highlighted. Can employees who aren't shareholders of the S-Corp... 1. ...receive full Family HSA contribution from employER? 2. ...have health insurance premiums paid by employER? Yes, but I believe those would be reported in box 12 rather than in box 1 as ...
by Lieutenant.Columbo
Sat Mar 31, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: S Corp Profit Contribution to Solo 401k
Replies: 11
Views: 513

Re: S Corp Profit Contribution to Solo 401k

in case like the original poster's where one spouse's W-2 salary is higher than the other's, does it make sense to apply to the lower-paid spouse Both the employER's full Family HSA contribution Plus the health insurance premiums paid by employER, so as to increase the W-2 Box 2 of said spouse, all...
by Lieutenant.Columbo
Sat Mar 31, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: S Corp Profit Contribution to Solo 401k
Replies: 11
Views: 513

Re: S Corp Profit Contribution to Solo 401k

Like this?: Wife: $18,500 x .25 = ~$4,625 Self: $30,000 x .25 = ~$7,500 Divide this by each month and deposit evenly into the solo 401k accounts and then report at end of the year as an EMPLOYER contribution? Is it that easy? it is generally not possible to return excess employer contributions. It ...
by Lieutenant.Columbo
Wed Mar 14, 2018 1:37 am
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 60
Views: 10866

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

I'm moving my HSA Bank + TDA to Lively + TDA. The $2.50 comes from your checking account as posters above have mentioned -- $2.50/mo in regular dollars is substantially better than $5.50 in tax-advantaged dollars. This isn't highlighted anywhere near enough! Is there a way to pay the HSA Bank fees ...
by Lieutenant.Columbo
Thu Mar 08, 2018 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Opening a taxable account in Vanguard Joint vs a Trust account
Replies: 23
Views: 1577

Re: Opening a taxable account in Vanguard Joint vs a Trust account

I live in a state which recognizes “Tenants by the entirety”, and allows us additional asset protection above what “Joint tenants with right of survivorship” does Florida? Does anyone know if there is the same asset protection with a Trust account as a Joint Tenants by the Entirety account? let me ...
by Lieutenant.Columbo
Mon Feb 19, 2018 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Opening a taxable account in Vanguard Joint vs a Trust account
Replies: 23
Views: 1577

Re: Opening a taxable account in Vanguard Joint vs a Trust account

peppered077 wrote:
Mon Feb 19, 2018 5:09 pm
...a Vanguard brokerage account with Joint Tenants by Entirety (for asset protection...
ehem...The Bleak Future of Tenancy by the Entireties Holdings as an Asset Protection Tool
by Lieutenant.Columbo
Sat Feb 10, 2018 9:22 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1255
Views: 189503

Re: QSPIX - thoughts on interesting fund

stlutz wrote:
Sat Feb 10, 2018 8:13 pm
Swedroe naming a portfolio after himself
but on Dec 24 2013...
larryswedroe wrote:On December 23, 2011, Ron Lieber, financial columnist for the New York Times, wrote an article entitled "Taking a Chance on the Larry Portfolio" - and the "Larry Portfolio" (LP) was born.
by Lieutenant.Columbo
Sat Feb 03, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: How risky is Med school student loan debt?
Replies: 151
Views: 9808

Re: How risky is Med school student loan debt?

General Surgery with sub specialization will pay you well. I do bariatric and endocrine surgery, all elective cases, rare emergencies and pay is good. You can aim for 500-600K at about 5 years of private practice. is bariatric and endocrine surgery one or two sub-specialties? do you know of any oth...
by Lieutenant.Columbo
Sat Jan 20, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?
Replies: 28
Views: 1804

Re: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?

DrGoogle2017 wrote:
Sat Jan 20, 2018 3:39 pm
What are the safe and good internal airlines within Europe?
Vueling
by Lieutenant.Columbo
Sat Jan 20, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?
Replies: 28
Views: 1804

Re: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?

ITA Matrix was purchased by Google a few years ago. Thank you for this info. Does this make Google the best flight-search resource? Is the matrix data what one is accessing when simultaneously looking at multiple dates for the same itinerary? If you fly Norwegian Air, make sure you book on the Norw...
by Lieutenant.Columbo
Sat Jan 20, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?
Replies: 28
Views: 1804

Re: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?

Check out Norwegian Air. Last I looked it was something like $129 one way from LA. +1 - we (self and DW) booked our summer vacation (first 2 weeks of June) last month with Norwegian. LAX to ROME - total $540 for both and then back PRAGUE to LAX - total $681 for both - tickets are no frill - no chec...
by Lieutenant.Columbo
Sat Jan 20, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?
Replies: 28
Views: 1804

Re: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?

I think you are better off using sign up bonuses from credit cards to knock the cost down. Then you can take a flight on a premium airline, with more flexibility. Doctor of Credit maintains a list of offers. So far I've had more points and miles than I can use, though I also travel a lot for work. ...
by Lieutenant.Columbo
Sat Jan 20, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Which tax software for 2017?
Replies: 20
Views: 1435

Re: Which tax software for 2017?

Thank you FBN2014 and Vulcan.
by Lieutenant.Columbo
Sat Jan 20, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Which tax software for 2017?
Replies: 20
Views: 1435

Re: Which tax software for 2017?

Vulcan wrote:
Sat Jan 20, 2018 9:41 am
I've been very pleased with Credit Karma's tax offering last year and plan to use it going forward. It is completely free, including state filing, no strings attached.
does Credit Karma help filing taxes for taxable investments and backdoor IRA? thank you
by Lieutenant.Columbo
Sat Jan 20, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Contacting store after urgent care visit?
Replies: 21
Views: 2602

Re: Contacting store after urgent care visit?

OnTrack2020 wrote:
Fri Jan 19, 2018 4:21 pm
would not expect them to pay the bill--to correct the problem of the splinters on the bench, yes, but not to pay the bill. That's what you have insurance for.
isn't this what the STORE has insurance for?
by Lieutenant.Columbo
Sat Jan 20, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Which tax software for 2017?
Replies: 20
Views: 1435

Re: Which tax software for 2017?

TT is definitely the best for trust tax returns. do you mean for a trust the grantors of which are no longer serving? or for a trust the successor trustee of which is already in office? I thought the first scenario did not require different tax filing procedures compared to before putting assets in...
by Lieutenant.Columbo
Sat Jan 20, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Opening a taxable account in Vanguard Joint vs a Trust account
Replies: 23
Views: 1577

Re: Opening a taxable account in Vanguard Joint vs a Trust account

rhodnius wrote:
Sat Jan 20, 2018 9:08 am
Our lawyer told us to fund the trust by designating the trust as the beneficiary in our retirement accounts
is the trust the primary or the secondary beneficiary of your retirement accounts? thank you
by Lieutenant.Columbo
Tue Jan 16, 2018 11:22 pm
Forum: Personal Consumer Issues
Topic: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?
Replies: 28
Views: 1804

Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?

We'd like to spend 2 weeks in Europe in 2018. It doesn't really matter when. We'll decide based on flight cost and overall flight duration. We know where we'd depart the US from and where we'd depart back from Europe. How/Where can I search for the best 2-week trip flights while not entering any dat...
by Lieutenant.Columbo
Wed Jan 10, 2018 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Living Trust - Will
Replies: 55
Views: 4511

Re: Living Trust - Will

how to address the issue of claims from spouses reaching through to assets passed on to child beneficiares though. If anyone has advice how best to go about this that would be appreciated! :D I learnt in this recent Topic that in order for a trust Not to terminate when beneficiary's age reaches the...
by Lieutenant.Columbo
Mon Jan 08, 2018 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Living Trust - Will
Replies: 55
Views: 4511

Re: Living Trust - Will

Thank you for this valuable insight. Do you have any thoughts on whether the successor trustee and the MPOA agent should or not be the same person? Would you name as successor trustee someone you trust 100% but who, while not in debt, is not (and is not likely to become) financially savvy? If 100% ...
by Lieutenant.Columbo
Mon Jan 08, 2018 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Lowball offer on a home
Replies: 82
Views: 7226

Re: Lowball offer on a home

itstoomuch wrote:
Mon Jan 08, 2018 9:14 pm
We also bought a condo in August at 22% above ask :happy .
why would you pay 22% more than they asked for the condo? :wink:
by Lieutenant.Columbo
Sat Jan 06, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Living Trust - Will
Replies: 55
Views: 4511

Re: Living Trust - Will

... I've spoken to Vanguard about this and what happens in fact after my passing is that my accounts will be retitled in the name of the trust. It's for this very reason I reversed my earlier decision to give my trusted executor current account login/password information because it's a needless exe...
by Lieutenant.Columbo
Sat Jan 06, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Living Trust - Will
Replies: 55
Views: 4511

Re: Living Trust - Will

... my main account lists my trust as the beneficiary, so that my executor can establish an account from which to pay final expenses after which distributing proceeds to beneficiaries (I am aware of the tax downsides of naming a trust as beneficiary). 2015, would you have achieved the same goal by ...
by Lieutenant.Columbo
Sat Jan 06, 2018 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing a Trustee/Vanguard trust services?
Replies: 19
Views: 11738

Re: Choosing a Trustee/Vanguard trust services?

bumping thread to ask about Vanguard as trustee I bumped this to the top, to see if anyone else has had experience using Vanguard as trustee, and could update this thread. Small Law Survivor, were able to figure out if Vanguard was a good trustee choice for your case? Would you please any informatio...
by Lieutenant.Columbo
Sat Jan 06, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Living Trust - Will
Replies: 55
Views: 4511

Re: Living Trust - Will

... my main account lists my trust as the beneficiary, so that my executor can establish an account from which to pay final expenses after which distributing proceeds to beneficiaries (I am aware of the tax downsides of naming a trust as beneficiary). 2015, would you have achieved the same goal by ...
by Lieutenant.Columbo
Sat Jan 06, 2018 10:29 am
Forum: Investing - Theory, News & General
Topic: Eight Very Basic Questions About Mutual/Index Funds
Replies: 21
Views: 2939

Re: Eight Very Basic Questions About Mutual/Index Funds

thank you lack_ey, alex_686 and grabiner for your replies
by Lieutenant.Columbo
Fri Jan 05, 2018 1:13 am
Forum: Investing - Theory, News & General
Topic: Eight Very Basic Questions About Mutual/Index Funds
Replies: 21
Views: 2939

Three More Very Basic Questions About Mutual/Index Funds

Editing OP to add three super basic questions: 6. do big Small Value funds like VSIAX with over $29.6 billion in assets eventually hold all/most of the shares of the companies it invests in, since those companies have low capitalization? 7. do big Small Value funds like VSIAX with over $29.6 billion...
by Lieutenant.Columbo
Mon Jan 01, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: Car Sleeps Ocean-Front Outdoors: Possible To Delay Deterioration?
Replies: 11
Views: 1206

Re: Car Sleeps Ocean-Front Outdoors: Possible To Delay Deterioration?

eye.surgeon wrote:
Mon Jan 01, 2018 7:19 pm
Your dealer will have an exact match touch up paint for your car or you can buy them on amazon.

Wash weekly, the goal is to get the salt off, wax perhaps 2-3 times a year.
thank you
by Lieutenant.Columbo
Mon Jan 01, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: Car Sleeps Ocean-Front Outdoors: Possible To Delay Deterioration?
Replies: 11
Views: 1206

Re: Car Sleeps Ocean-Front Outdoors: Possible To Delay Deterioration?

Frequent washing and waxing will make a big difference. Use touch up paint to fill in any paint chips as exposed metal will rust rapidly. Paint chips on plastic bumpers obviously don't matter. any touch up paint brand you'd recommend? how often would you say is often for wash & wax in an close-to-o...