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Of butheyou don't feelat thmosi hintimidated.car, it's extremely simple. save time, save money, and never overpay. visit truecar.com what have you got? >> simply put american express strong and consistent, acting well in a tough market. >> adam? >> well, it's a good company, done well. i'd be concerned about something so focused on consumer spending. >> what are you doing? >> van guard emerging markets index. vwoetf. a good place to invest over a long period. >> ben, what are you doing these days? >> spy, simple and it works.

Turn your tax refund into very big returns. charles, what do you got? >> silicon ware, they make any device you have faster, more reliable. i think it's going to continue to break out here. >> adam, what do you make of that pick? >> it's a classic high risk, high reward, way too volatile for my conservative investment tastes. >> what suits your tastes? >> van guard total index, that's the way to play the stock market consistently. >> i assume from that, ben, you like that pick? >> i love that pick a lot. that's a very sensible pick and i have to say adam is a quick learner. it's only taken him...

Is a smaller state, more isolated state. the model for this bank came out a populous frustration that out of state powers really had all the folks in north dakota kind of over a barrel. can weç really expect somethin like this to get traction more broadly or do you think it's anomalous? what's the right way to think about it? >> i think that i would see this as the van guard of a bigger movement. what we still have in this country that we are very fortunate to have is a vibrant ecosystem of local banks, community banks and credit unions. there are 8,000 credit unions in this country. and i t...

Pensions, earning assumptions and other complicated things you probably couldn't figure out on your own. >> so you do that. but then when you look at this number, a quarter of 60 t$60 to 62-year-old, at that point if you have less than a quarter of what you need, you're in trouble. what do you do? >> so many people are coming up short once they run the numbers it could be a little depressing. you need 85% of yopreretirement income to live comfortably in retirement. >> if you're making $100,000, you should count on $85,000. >> yes. a high percentage. one thing you want to do right away is boost...

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