If you don’t mind the penalty for early withdrawal then I guess it’s fine, but I thought some make you forfeit the interest accrued?

I believe this is correct. Personally I keep half of my emergency fund in my HYSA and the other half in CDs, with the thinking being that 95% of the time I won’t have to touch any of it, then in a big enough emergency I’ll have the funds in the HYSA, my checking buffer and my (traditional) savings buffer to lean on first while I sort out the financial specifics for the rest of the emergency. And the extra couple hundred bucks a year the CDs earn over the HYSE should make up for any losses if I do ever have to break one early

Any emergency that costs enough to hit the HYSE is going to be the kind of emergency where you can take the time to figure out the best financial path forwards, maybe even negotiate totals or buy time with a good faith partial payment

Nah it’s the new email marketing meta. So many emojis and ASCII symbols. It’s the new play to try to stand out from all of the existing ad industry noise in people’s email inboxes

They’re perfect for emergency savings funds because there’s no restrictions on withdrawals like with a CD.

It’s funny you say that! I’ve started putting some of my emergency fund into CDs. It’s just a $20 fee to withdraw early, and its more than $20 in extra interest compared to the HYSA by having it in a CD so it maths out

There are Money Market and similar accounts which act like checking accounts but have interest rates like high yield savings accounts. They typically have a minimum balance of like $5k or more so if you have a large sum of money flowing through the account each month you can still get the yields but an unexpected pileup of bills out of order doesn’t cause declined transactions

Is there any way to prove that some service like that is actually trustworthy?

This is the right question to ask and the ultimate reason why I don’t use a commercial VPN service. Ultimately a commercial VPN is just moving the trust from the Internet service provider to the VPN provider (or in Tor’s case to the exit node provider)

Personally I just block all ads across everything, select more privacy friendly software, avoid known privacy invading services where feasible and otherwise generally just enjoy not knowing the scope of adtracking because I never see the ads anyways!

Did she win

The Primary isn’t until August

The new district maps might change that though. Time will tell of course

It gets wonky with a non-cash windfall though. A couple of years ago my wife and I won game tickets valued around $3k which of course you have to pay income tax on which was ultimately around a thousand dollars (I don’t remember exactly, but it was something like 30-50% of the winnings) for just those tickets, which of course since they’re game tickets you then spend more money going to the game. Ultimately we could afford it and enjoyed the experience but I do not want to imagine how that goes for folks who win for example a $40k car and don’t take the cash equivalent option

I won $40 on a slot machine and also wondered why people thought it’s fun

Edit to add a fun story: I went to a concert at a casino. It was a known metal band performing 70s and 80s rock music that inspired them, and most of the folks were there for the big name metal band. You have to walk through the casino to get to the space where the performance is so basically all of the concert goes just walked right past the slot machines and card tables and straight into the concert around 9ish, and then straight out around midnight.

Lemme tell you the old ladies getting off the retirement home bus at midnight to spend the early morning with the one-armed-bandit and the other old ladies sitting at the slot machines gave us concert goers the dirtiest most judgemental looks imaginable. I was a young adult and it took me a bit to realize how rediculous it was for the ones being miserable while gambling away their life savings in the middle of the night thought us concert goers who spent $50 to go spend a few hours seeing some awesome live music and walking out with shit eating grins on our faces were the ones making poor life choices

pay stupid prices to go watch

As a non-sports fan, my very first football game was in box seats that we won tickets to. The whole experience was brilliant. It was just a constant party the entire day, and it helps that this stadium is basically in the middle of a residential neighborhood 10/10 would absolutely drive for hours in game day traffic and sit in the open air stadium in January when it’s below zero out for that vibe again

Was it ever actually confirmed that Bezos was a prominent investor in that startup?

On some vehicles that’s the same speaker which makes the turn signal clicks and any kind of beeps or dings the car might make to alert that something’s wrong. I had that speaker go out on my vehicle not too long ago and it was actually harder to drive without being able to hear the turn signals and not getting the alert if i forgot to disengage the parking break (it seems to electronically disengage when you put it in drive so there’s no change in driving characteristics with this car when you drive with the parking break on)

I fckn hate these laws that force so much tech into new cars under the guise of safety.

Well you see, if we force car companies to invent magical safety technology to paper over bad road design and too many cars on the road, then we can avoid addressing the bad road design and too many cars on the road!

That video of the truck driving over the Ferrari in a parking lot that recently went viral occured because the truck driver literally could not see the vehicle and did not realize there was a problem until their vehicle could not longer move. At least that’s what the truck driver said, but it’s somewhat believable given the sheer height difference between the notably lifted truck and the notably low to the ground Ferrari

It is completely unfeasible for cops to try to do anything to curtail that on an individual basis

It’s actually very easy to do and some municipalities actually invest the traffic enforcement time in doing so. The police simply need to ramp up enforcement. Bring a half dozen squad cars and pull over anyone going over the posted speed during rush hour and repeat this a few times and the visibility of multiple cars being pulled over at a time slows traffic down pretty immediately

I just play zebra and enjoy blending into all the other people going 15 over.

If you’re going 15 over then you’re going 15 over. Doesn’t matter if others are doing the same thing, you’ve joined into the unsafe, financially irresponsible and illegal behavior

The speed limit in most states isn’t a hard limit

The speed limit is the maximum speed allowed by law. Doesn’t matter if you’re passing, delivering a baby or have gone over that speed a million times and never been pulled over, if you exceed the posted speed limit you are breaking the law. It’s one of the few extremely cut and dry traffic laws

Not an excuse for following at an unsafe distance

They never said anything indicating anything about what lane they’re driving in. How do you know they’re on roads that even have a left lane to camp in?

Nah this is just ageism. Now, I do think there might be a conversation to be had about once medical power of attorney goes into effect if the individual should no longer be permitted to vote, but there’s no set age where everybody lacks the mental faculties to vote.

I’ve had relatives knocking on deaths door by age 60, and I have a 100 year old relative who drives the Amish around as his retirement gig

I think the problem is less that cars have gotten more expensive but that wages have consistently not kept up with inflation for decades now. I seriously wonder when the tipping point is where wages are so outpaced by costs that entire industries start falling over because there’s no demand