5th Gear: As a loan officer in an indirect lending department at a credit union, my experience has been that a large number of dealers don’t give a shit whether the info they’re getting from customers is true, because once they find an institution willing to finance the sale and the dealership gets their check then…

I literally do not care where my car is built. I care more about who built it. Both of my Japanese cars were built in America. I wouldn’t buy an American car built in America or Mexico or China because what matters to me is how well the car is engineered.

The problem really is that no car is “US Made” anymore. It’s a global supply chain for every component of the vehicle, so does it really matter where the final assembly is? You can’t force consumers to buy subpar vehicles just because the profits from go to the C-suite of companies that are located in America. 

I’ve said this on here before and I will say it again:

There’s only one way manufacturers are going to build more cars in the US, and that’s when consumers make a concerted effort to purchase US-made cars; You can’t have it six ways from Sunday (I’m definitely looking at you, Trumpers and Bernie supporters who have their stickers all over your foreign cars).

On top of that, many auto pay bills can be set to draw from savings.  Our mortgage and credit card companies both allow for withdrawls from savings.  That means we only have to keep utilities, phone, charitable donations, and spending in checking.  We could probably do less than that by paying phone with the CC and…

You can also use a credit card, then use the saving account to pay down that card a month later.  If I’m doing everything electronically, using money in a savings account is no more difficult than my checking account.

I can move money from my savings to my checking in like 30 seconds through an app on my phone. Is money in savings somehow not liquid?

“ up to a total of $7.00 cash back per Monthly Qualification Cycle”

..... what’s the point? 

Auto pay is for suckers...God forbid something happens to you...you'll be paying bills from the grave...no company deserves to get automatically paid....

So instead of earning 1-2% interest by keeping it in a savings account, you should keep it in your checking account and not earn interest? The same inflation affects the checking account, too, so you’re losing that 1-2%. The fact that inflation exists doesn’t change that.

It’s not irrational. Access to quick cash is the whole point of an emergency fund: it’s for emergencies. 

It’s not that much of a hassle to switch to a local bank or credit union anymore, often you can do the entire process online. Sure it’s a pain, but no worse than doing your taxes.

Yes, this is what I do, too. A one month float in my checking allows for oddly timed withdrawals that don’t quite match up with deposits. It was also nice when I switched jobs and didn’t receive a paycheck until the next full month because I was able to use my float instead of dipping into savings.

1 bankrate.com has excellent information on high rate accounts.

yea this is good advice... I need to start getting that ~2% at least on all that extra cash on hand in my checking...

its more of an amped up Chevy Cruz

To GM...Come on, you can do better than this. WTF has happened to your styling over the last 10 years or so? You seem to be purposely trying to reach Peak Ugly, or Max Meh, and I don’t understand why. The 2010 Camaro started out ugly as hell, and has gotten uglier with each update, but the C7 Vette was basically a dece…