One that earns you more than the default 0.15% or so that you earn on most savings accounts.
You have to do a bit of hunting, but for example, I have an account with Citizens Access that earns 3.50% last time I checked. It’s not much, but it’s better than earning nothing on the emergency fund that I want to keep liquid and accessible.
Easy peasy. Instead of making payments to your credit card, transfer the amount to a high yield savings account instead. Then use that savings account to pay your CC once per month. (Savings accounts typically have a limit on debits, but you can usually make as many deposits as you want.)
Enjoy the cashback AND a few bucks in interest AND having your checking account accurately reflect your “real” money at all times.
Like a lot of people have already said, people are complicated and contradictory; they are rarely one thing.
So you can judge him for, and learn from, the way he has treated other people, while also being grateful for the love, respect, and good parenting he has shown you.
Another aspect is that people often make mistakes and grow from those experiences. It might help you resolve some of the dissonance to talk to him about those things. Many people have experienced that having kids radically changes their priorities. Some people are fiercely loyal to a few people, but couldn’t care less about everyone else.
There are kind of two different questions here.
First of all yes, humans are pretty good at telling whether someone is looking them directly in the eyes or not. So if you were to ask someone directly whether you are looking in their eyes or some other part of the face, they would probably be right most of the time.
The second part is whether they would notice it consciously without bring asked. That’s a little trickier. I suspect if you were staring directly at some other part of their face, people might get self conscious (do I have a zit? Is my nose that huge?) But looking at a spot between their eyes, or shiftng your gaze periodically would probably fly under the radar.
I love Biscoff cookies, but had never had them outside of a snack on a plane either. First time I realized they sold them at stores was when my local Costco started carrying them in giant boxes, which is a little like being Sir Gallahad the Chaste, and stumbling into the castle Anthrax.
Aldi has a pretty goof knockoff version in normal size packages if you have problems with moderation 😉
But to answer your question, a long time ago, my wife and I did the “Love you”, “Love you too”, “Love you… three?” thing, and apparently got up to 5 before we decided it was silly. Many years later, “Love you five” is the normal response to “Love you”.
Yeah, its their online-only bank.
I have no idea why some banks can offer those CD-like rates while others offer virtually zero. Capital One 360 Savings and Ally have similar rates as well.