Sounds useful as a screwdriver. I needed a low powered one to run the crank attachment on my knitting machine. It’s entirely plastic and the gears inside get horribly worn if any kind of serious speed or torque is exerted on it.

Teal is my favorite color and yet I own no Makita. I’m very agnostic otherwise. Have things in all the other “houses” plus Harbor Freight brands and Kobalt.

Cheap > breaks > upgrade is my motto

Some insurance companies have a discount or a lower pricing tier for low miles driven per day.

Have you looked at the blue book price you could get for it vs your loan payoff amount? If the blue book price is lower, you’re upside down and should prioritize paying more per month. This gets it paid off quicker for less interest and then you have a solid paid off car that you could probably put 200-300k miles on.

Do you have a 401k and the ability to take a loan from it? You could refinance the loan using your 401k to get a lower rate, and then you’re paying yourself interest. The catch here is being willing to stay at the employer until the loan is paid off. If you left employment before the loan is paid off, it could become a deemed distribution with a 20% early withdrawal penalty on top of regular taxes owed on the distribution. I normally don’t advise getting a 401k loan because of risk of triggering that distribution, but there are circumstances where it could be advantageous. Your HR dept and/or plan advisor can help you out there.

US, audit & tax

Once in a blue moon, on a really nice day, we would get a patio table and have a margarita with lunch. Only if it was a slow work day, like with nothing but webinars scheduled for the afternoon (as attendees, not presenters).

It was not uncommon to see beer in the office fridge during tax season because those folks would be pulling 15+ hour days for pretty much 3 months straight.