Best Of

In NC, 15 over is reckless driving, in a 70 zone, 10 over is considered reckless driving. That doesn't seem to deter many.

Former troopers have told me that 78 in a 65 is the threshold for a ticket.

My rule is about 10% over the posted speed seems to be OK, 78 in a 65 zone is 20%, I'd be surprised they wouldn't ticket unless it is a road where everyone is going 75 to 80 anyways.

Only 26 years to go on our current mortgage! I suppose I could pay it off, but at 2.75% rate, even my online savings account and CDs (pre-tax) are paying so much more. Not to mention the (ridiculous) stock market.

And now that I'm on SS, I theoretically could keep my annual income <$100k... Until RMDs, which are still a decade away.

Only 5 more payments and the A7 is all mine (0%, won't be paying that off early)! BMWs were cash.

Who is paying anything close $10k per year in auto loan interest, and makes under $100,000 per year so they don't hit the phaseout? I think the actual benefits most people see from this deduction are going to be much less than touted.

————————————————
I agree. This gimmick sounds like the “New Car Dealers Association of America Lobby” at work to get this enacted to attract payment buyers.

jmonroe

How about an Opel-badged Catera? This lived down the street from my prior residence, gave me a chuckle:

I know not everyone will agree because 1) the styling is polarizing; and 2) it's "just" the 4 cylinder...but I kinda love this...

https://schompbmw.com/inventory/Used-2024-BMW-2_Series-230i_xDrive_Coupe-3MW33CM02R8E66450

No mortgage either. Man that really helps monthly cashflow! Same with not supporting kids (though we did just open up 529 for the grandkid). Who just turned 6 months and is starting to eat with a spoon (talk about a mess). Time to start hinting about having another one!

What’s a car loan?

————————————————
Until you can say this, you have no idea how nice that is. It’s only bettered when you no longer have a home mortgage.

jmonroe

No current car loans but depleted the cash reserves a great chunk from recent CCBA actions.

20 years to go on the mortgage : ( Seems like a lifetime.

I know not everyone will agree because 1) the styling is polarizing; and 2) it's "just" the 4 cylinder...but I kinda love this...

https://schompbmw.com/inventory/Used-2024-BMW-2_Series-230i_xDrive_Coupe-3MW33CM02R8E66450

Didn't you have a 2014 model?

Correct - that was a great find. Very well equipped and with the manual (RWD).

Who is paying anything close $10k per year in auto loan interest, and makes under $100,000 per year so they don't hit the phaseout? I think the actual benefits most people see from this deduction are going to be much less than touted.

What’s a car loan?

————————————————
Until you can say this, you have no idea how nice that is. It’s only bettered when you no longer have a home mortgage.

jmonroe

No current car loans but depleted the cash reserves a great chunk from recent CCBA actions.

20 years to go on the mortgage : ( Seems like a lifetime.

————————————————
It is. :'(

jmonroe