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House Republican leaders on Thursday released details of reforms that would overhaul the U.S. tax code, cut individual income tax rates and remove a number of breaks and deductions in the name of making Americans’ tax bills simpler and smaller.Much political wrangling remains before the plan would become law; both houses of Congress must approve the bill, and President Donald Trump has to sign it. But were it to take effect in 2018, as Republicans would like, here’s how the tax plan could change things for you. 529

If you’re shopping for a car, you may already know that buying used is a smart move that greatly expands your choices. The key is knowing where to look for them.Buying a used car will not only save you money but also allow you to shop higher-end brands, says Ivan Drury, Edmunds.com’s senior manager of insights. For example, maybe you wanted a new Toyota Camry. Instead, he says, you can save about ,000 and get a 3-year-old Lexus.Because of the bankruptcy of Hertz rental car agency, along with the many cars coming off lease, there are a lot of used vehicles to choose from, says Jeff Huang, who attends auctions as the remarketing sales supervisor at Westlake Financial Services. “A good used car is a real value proposition — and there are definitely deals to be had,” Huang says.Shoppers looking for great bargains will find them in cars older than 7 years, says Mark Holthoff, used car editor at Klipnik, a website for used car enthusiasts. “That’s because the depreciation curve has mostly been flattened,” he says. For example, a 2014 Mercedes-Benz E-Class sedan, costing ,000 new, now sells for about ,000.Shop in the right placeNew cars are sold only by franchised dealers, but used cars can be purchased from a variety of sellers:Used car departments at new-car dealerships.Used car superstores such as CarMax.Online used car sellers such as Carvana, Shift and Vroom.Car rental sales lots.Independent used car lots.Private parties.Public auctions.You’ll typically find the newest and more expensive models at new-car dealers’ used-car lots, the only place to turn if you want a certified car with a warranty and factory financing. Prices are likely to be higher than other lots’ but negotiable.National used-car chains such as CarMax, online retailers and rental car agencies also offer newer cars, often with factory warranty remaining. You can also get a loan and buy extended warranties. Prices are typically no-haggle.Independent lots, private parties and public auctions typically deal in older or cheaper cars. The upside is that you may find a 20-year-old one-owner cream puff, cheap. It does happen. But most cars have had several previous owners, and a checkered past is not rare. Plus, you’ll have to arrange your own financing.Adjust your expectationsThere is a built-in risk-versus-reward element to used car shopping: The more you’re willing to spend, the less chance the car will need repairs and overdue maintenance. Here’s an overview of the three price levels of used cars:High-end used cars: If your budget is over, say, ,000, you might consider getting a certified pre-owned (CPO) car from a dealer. Shopping for a CPO car is easier because it’s pre-inspected and comes with an included warranty. While you’ll have to pay a premium, you’ll also be able to buy a car with more modern technology and safety features. Of course, you can always buy a non-CPO car and purchase an extended warranty.Midrange used cars: A sweet spot for used car buying is a 3-year-old vehicle coming off a lease. Many of these cars will sell for 40% of their original price and still retain a new-car feel, according to Drury. Another source of near-new bargain-priced vehicles is car rental lots. According to an iSeeCars analysis, Hertz vehicles are selling for an average of ,389 below market value.Older used cars: Many people are afraid that cars from 7 to 15 years old will require costly repairs. But Holthoff points out that new cars can effectively cost the owner ,000 a month in depreciation.“You might have to spend money on a repair, but depreciation is a constant,” he says.To offset repairs, set aside 0 a month so sudden mechanic bills won’t deplete your savings.It’s best to buy older cars from private-party sellers because you can get a better idea of the mechanical condition, Holthoff advises. A used car dealer will show you the vehicle history report, but a private party might have the service records and can answer many other questions.Look for unexpected valueThe used car market is vast and, if you can spot an outlier, you can save big money. Here are a few examples of how to find that diamond in the rough:Cars that haven’t been recently redesigned will sell for less. Check car sites such as Edmunds.com to find out when the last time major changes were made to a model.While there is a stigma to buying a used rental car, the vehicles are well-maintained and priced lower than buying from dealers, Drury says.If a car dealer’s vehicle history report shows you are looking at a former rental car, leave and buy a similar one directly from the rental agency’s sales lot. You’re likely to find it cheaper.Be willing to travel to an area where the car you want is less popular. For example, all-wheel-drive vehicles sell for less in the southern U.S., where winter driving isn’t a factor.Be willing to travel to a more competitive market. A Honda dealer with a city to itself has less pressure to dicker on a CPO vehicle than a dealer in a city with three or four rivals.Used luxury cars often offer the biggest savings, according to Holthoff. The money you save on the purchase can be used if any repairs are needed.More From NerdWalletDon’t Fall for COVID-19 Student Loan Relief ScamsGet Your Finances Ready to Refi Student Loans5 Reasons It’s Smart to Lease a Car Right NowPhilip Reed is a writer at NerdWallet. Email: articles@nerdwallet.com. Twitter: @AutoReed. 5428

In a rare public appearance since he was fired from office, former Secretary of State Rex Tillerson called President Donald Trump "undisciplined" and claimed that Trump would often ask him to do things unaware that such actions would violate the law."When the President would say, 'Here's what I want to do and here's how I want to do it.' And I'd have to say to him, 'Well Mr. President, I understand what you want to do, but you can't do it that way. It violates the law. It violates treaty,'" Tillerson said Thursday night at a fundraiser in Houston for the MD Anderson Cancer Center, according to video of the event posted by CBS News.He went on to add, "He got really frustrated ... I think he grew tired of me being the guy every day that told him you can't do that and let's talk about what we can do."In response, Trump tweeted, "Rex Tillerson, didn’t have the mental capacity needed. He was dumb as a rock and I couldn’t get rid of him fast enough. He was lazy as hell."Mike Pompeo is doing a great job, I am very proud of him. His predecessor, Rex Tillerson, didn't have the mental capacity needed. He was dumb as a rock and I couldn't get rid of him fast enough. He was lazy as hell. Now it is a whole new ballgame, great spirit at State!— Donald J. Trump (@realDonaldTrump) December 7, 2018 1312

How do you like your wings? How about wings coated in 24 karat gold?One restaurant in New York City is offering just that.The Ainsworth partnered up with Jonathan "Foodgōd" Cheban to offer the most extravagant wings in town. Wings are brined for 12 hours, baked and then fried and coated with a layer of gold dust.You can order 10 wings for or 20 wings for , according to CNN. 421

Imagine applying for the top colleges in the United States hoping to get accepted to at least one.Well, that was the least of Mekhi Johnson's worries when applying for colleges this year. The Baltimore senior said that at six years old he heard a story on the radio about a student who was accepted to all of the Ivy League schools and knew that was his goal."I'm going to do that one day," said Johnson.And on 'Ivy Decision Day' he learned that he finally made it a reality. Johnson, who attends the Gilman School in Batlimore, serves as the President of the Diversity Council, a member of the school's acapella group, school band, and an avid volunteer, all while being a National Merit Scholarship Program Commended Student with a 98.1 average.More than 280,000 applicants applied to Ivy League schools last year. Out of that number, less than five of them were able to achieve acceptance by all eight colleges. Johnson is not only a 'goal getter' but he's the first Gilman student to achieve this distinction of acceptance.   1072