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Marcus (Goldman Sachs) has 4.5% on savings and 5.5% 12-month CDs with $500 minimum. Also FDIC insured.

What I'm currently using: https://www.baskbank.com/products/interest-savings-account Currently at 5.1%, FDIC insured. Navy Federal CDs (not FDIC insured, but NCUA which is the equivalent for credit unions) : 5.2% if you can hit $20k minimum. *edit: I renewed at 4.8%, so I'm not personally...

That's one of my biggest issues with Ramsey. I make more money by not paying off my mortgage then I would paying it off. If you're willing to save and invest, you'll almost certainly be richer in 30 years *not* paying it off. I could pay it off today if it benefited me to do so, but it...

Is it discrimination, but discrimination is not inherently good or bad. It just means understanding the differences between choices and making a decision based on those metrics. Without getting in the weeds, I think most folks think 'oppression' when they here 'discrimination' without...

Yup. I was still active duty when they changed it.

Dave Ramsey is great for people who don't want to actively manage their finances, are very risk averse, and/or have little financial self-control. This does come at a cost, however. I use a rewards credit card for everything, both for the rewards and for the fraud protection. I would not be...

Serious question: Does a broker have access to rates I do not running them myself online? I figure like financing, they are making their money somewhere that's ultimately coming from me.

30% increase from Geico for me at the next renewal. PITA that it is, time to get quotes again.

Probably totaled. You, I mean, after your wife finds out you posted that.

You can break it down like this: 1) Risk from you. Your driving history, credit history, claims history. Driving metrics if you let them monitor you. 2) Risk from vehicle. It it commonly stolen? Is it commonly crashed? How expensive is it to repair when it is crashed? Body panels made of...

Research costs and the cost of drug development that didn't work being funded by the ones that did. No big secret. It's cheaper to just manufacturer the winners after someone else paid all the costs to figure out what works and what doesn't. A friend of mine with a double doctorate degree...

I'll stay out of the LE stuff except to say my midwest large dept experience has not been reflective of the OP's. No real backstabbing ******** until I got high enough in the ranks to qualify for political appointment and the standard politics of large organizations with people who really...

Depends. They all use algorithms now so everyone's variables will be different. Also depends if you're willing to install a spy device/phone app to let them monitor your driving. Get your quotes, make your choices. I stand by USAA is a shadow of what they used to be, though, the savings...

I wonder how much is the turbo and how much is the 10 speed. It just didn't seem that responsive to downshift to me. I'm sure I'll insult someone's religion with this, but I think GM did a better job on the programming for their version of the 10 speed. I don't know what the stats are, but...

$56,960 with destination turns out to be the correct answer, but there aren't many options you can add to it. Bead lock wheels, spray in bedliner, sticker package, that sort of thing. Spray in bedliner and key pad entry, the only options I would care about, adds $590. Still can't get one, of...

Carfax is *lead information only*, meaning it's a clue but not the gospel. IMO, it's a part of due diligence but not the entirety. Combine with a thorough inspection, talk to previous owners if possible on a used car, etc.

It's due to the center differential, not the transfer case. Center diff lets you use full time 4wd, which requires that you let the front tires spin at a different rate than the back tires in some circumstances. Without a center diff or other way to allow that slippage in the drive line you'll...

Either it's a language issue or you misunderstand how a transfer case works. It is mechanically locked together. Ignoring axle locks for a moment, the front axle and the rear axle get exactly the same power and will always turn regardless of which axle has more traction at the tires. No axle...

Buy a Ram then. They have the built to serve editions. You can actually buy them, as well, they aren't just a single truck done up as a marketing bit. Is Ford's military / first responder discount good enough or since that's not available to everyone it's too divisive...

What if I told you that merely recognizing one group exists isn't divisive unless you decide to make it that way? https://corporate.ford.com/social-impact/community/ford-proud-to-honor.html Veterans are a minority. Is this divisive since not all people are veterans? I'm a veteran. This is...

What if I told you they do, but the outrage **** media didn't "shove it down your throat" and you didn't spend 30 seconds researching if they do/did? https://corporate.ford.com/social-impact/community/ford-warriors-in-pink.html...

You know I'll say it because it's the truth. The extremists on both sides don't represent the vast majority of the middle. Guess who gets attention? What's going on in *some* schools is quite disturbing, but let's not conflate things like gender education for kindergartners with adults and...

Gay isn't a political statement, despite how desperately the culture war extremists on both sides want it to be. You can actually be gay and be conservative or liberal or apathetic. Shocking, but true. The 'straight pride' is generally in some religious or "look how anti-woke" format, so...

Nobody slammed it down your throat. You didn't know it existed until the Bud Lite controversy sent everybody on the 'woke ad hunt'. You decided to pay attention to it. Gay people buy stuff, too. I'm not going to the parade or buying a rainbow doo-dad, but as long as they don't make me attend...

Literally the first sentence in his thread: Just going off what he himself said he wanted, not necessarily what we think he needs. If you liked your 2012, you'll love the 2019+, the 8 speed is soo much better than the 6 speed was. But they are still a bulky boi with the handling that goes...