Yes, I agree. Right now, the problem is high rates and high home prices and the discount on a 15 year isn’t a ton. So, it makes your monthly pretty different in terms of percentages, even if dollar amounts aren’t huge. Then, depending on where you are in life it can make it hard to do a 15 year. Overall, it is the…

That is possible too. 

Ehh, I guess. I have seen multiple people using defeat devices on the road so there is at least a subset of people out there that either know or think they know the limitations and ignore them. This guy could have been one of them. 

Yep, and you wonder why merchants are going CC only in some cases? Taking cash can be expensive, dangerous and a pain in the ass. 

Agree on paying balances, I haven’t paid interest since I had some CC debt coming out of college. At the time it seemed insurmountable. Maybe $1,500 or $2k, back in 2010-11. But I made a decision then to not use my CC’s anymore and after I paid that off have not paid any interest. Now I just have all my cards to…

Would also be nice to see PHEV vs BEV break down since in this 69% increase they are combined. I assume that was the case in Jan ‘23 too, but I wonder if PHEV growth was greater than BEV or how that played out. 

I mean, we have a similar thing here, no matter what people tell you. Our taxes provide a lot more services than people give credit. Still at $1,400 a month in wages, minus $100 for a car that leaves you with $1,300 a month (not sure if that is pre or post taxes) for a house, food and all the other life expenses. I…

I rarely get hit with some sort of CC surcharge, so everyone is paying the same amount I am whether they pay cash or use credit. If I go to a store and there is no CC surcharge, I pay with a CC and you pay with cash I get cash back and you don’t, even though we paid the exact same purchase price. Who wins in that…

I agree with you, was just saying that 15 year can depend. In the next 20 years they probably make no sense unless rates really go down. My situation is also not the norm since my wages from 2015-16 and 2020 to now are way way different. 

I agree with you, even though I don’t want to. This is still on the driver, who was apparently well beyond legal driving limits from a BAC side. I still think the naming (no matter what legal stuff they hide it behind) along with how they (mostly Elon) talk about it is shitty and gives people false sense of security.

Depending on how much you drink and how regularly you do it, .18 to .24 might not impair someone as much as you think. Now, you still should not be driving, but just saying it depends on a lot of factors.

I don’t know the laws around getting cell location data, so maybe they didn’t need one or maybe they did get one? In a crime like this, location data can be key since cars move and narrowing it down to a subset of phones is helpful. LIke if someone breaks into your house, wouldn’t it be nice if they could say, well…

I agree with you on this, but 15's can make sense depending on the time. We had a 30 year in 2016 or 15 when we bought, then in ‘20 refi’d to a 15 with a lower rate and a touch smaller monthly. Now we only have 9 years left or less.

I sure hope this dude get the fucking book thrown at him. Not paying attention at best and literally not caring that he killed someone at worst.

Uhh, they didn’t look up his personal data, just location data of phones in the area. You are more concerned about your location than the death of someone? That is quite the hill to die on. If one of your family members was killed in this manner, wouldn’t you want them to do something similar? Or you just want them to…

To seat 7 you most likely need to option 2nd row bench instead of second row captain’s chairs.

Yep, dude at our local CnC has a sweet older Ferrari (I think a 330 GTS) and it has those exact same oil filters.

I guess, but even with a decent tax deduction that is still wildly low. Even with free health care and lower living costs, it doesn’t sound like much. 

Yea, I guess that makes sense.

The incentives would have to be a lot different. This is a lot of public money to only help out a very few people. I don’t really see the value in this program overall.