Finance: Best No Penalty CD May 2020

Image credit: Unsplash.com

The Basics

CD stands for “Certificate of Deposit”, meaning you deposit a sum of money into a bank that must remain in the bank for a fixed term, in order for you to receive a certain percentage of interest on your money. Anyone who has more than $1k just hanging out in their bank account should consider opening up a CD to get a higher interest rate.

…Which is why I looked into it. Our interest savings account is on 0.01% APY whereas your average no-penalty CD is offering 1.00% APY – that’s 100x higher than what I’m getting with my bank right now. (Note: “APY” just means the amount of interest you’ll earn on your money over period of 1yr, compounding annually. It stands for “Annual Percentage Yield”.)

Typically if you withdraw the money early, you will be charged penalties of varying severity depending on the bank. I looked into current CD’s being offered at the highest rates of interest, that will allow you to close it down and take out your money (and interest) after just 7 days, with zero penalties.

Now there are certainly longer-term CDs that offer higher APY’s, but you never know when you’re going to need your money back, and right now the interest rates are very low due to economic instability from COVID, so I do not recommend getting stuck in a long-term CD. This is true especially if you have a larger sum of money to invest, and if you don’t have that much to invest, the extra 0.1-0.3% APY won’t make much of a difference anyway.

But why should you trust me, a random person on the internet? You don’t have to, but I’ve spent hours researching this because I am not super well-versed in all of this investment/financial jargon malarky, and I’ve decided to summarise my key findings in lay-mans terms here to save you time from doing it yourself. I do also have a Business Studies degree from one of the top UK universities, if that helps.

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Fitness: I’m Trying Chloe Ting’s 2 Week Ab Challenge

Image screenshot: Chloe Ting 2 Week Shred Challenge

Okay, Chloe. I see you. I see all your recommended videos popping up all over my YouTube. And I’ve just seen so. many. success. story. videos (<—!!) and okay I’m convinced. (If you’re only going to look at one, just watch the last one because, honestly, there are just too many.)

It looks like she has a lot of free workout programs but I think the one I’ve been seeing the success stories for, and the one I think I can actually commit to, is her 2 Weeks Shred Challenge (click here for the program).

I really love that she’s put all the videos together in such a convenient format on the page so all you need to do is literally just bookmark the page and click on the videos each day. Plus you know what you’ve signed up for in total workout time and total workout videos so you can plan your day accordingly.

In addition, she has a bunch of tips in the FAQ’s, meal plans and videos of the before/afters on the page to keep you motivated. This girl has thought of everything! I don’t know why I’ve been avoiding her until now. Thanks, YouTube algorithm, for recommending her to me.

I’ve been eating way too much sugar lately so let’s do this… starting tomorrow. Haha. I’ve already worked out for 25min today and I think that’s about as much as I can handle for now.

Here’s the thing: I was actually working out often and even going to the gym for the first time in a decade back in January/February, in preparation for my wedding. I’m really thankful we were able to have our wedding with our friends and family as it took place just a mere couple of weeks before quarantine began.

Unfortunately shortly after all the gyms shut down for quarantine, I also developed some other health problems so I stopped working out entirely, which in turn has probably made my health worse. It’s been a bit of a downward spiral. So my goal for this is simply to get back into shape. As in, get fit again, and I’m hoping this 2-week journey will be the start of regular workouts again.

I won’t be changing my diet and I don’t think I’ll lose any weight, but I do hope to tone back up and lose a few cm’s if possible. As such, I’ll post up my before and after numbers to see if there’s a difference. Not that there’s anything wrong with how I look now (I literally just posted an Instagram Story about how I liked how I looked haha) but it’d still be nice to know in case it helps to encourage you on your fitness journey.

Please check back on my progress and leave me a message to keep me motivated. That’s another reason I’m posting this online — because it’s very likely I’ll get lazy and give up otherwise. Let’s begin!

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Read Bible With Me: 2 Corinthians, ESV

I’m aiming to upload reading through the entire Bible at some point. Let’s see how that goes. For the time being, thanks for reading with me! The full playlist is here:

Individual chapter videos are below:

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Food: Ros Ni Yom Review III [Delivery]

Can you tell? We like this place a lot. Or, at least, we did. Unfortunately, today’s meal was disappointing.
You can read my first review of the restaurant here, and my second review of the restaurant here.

Restaurant: Ros Yi Nom, CA, Livermore

Delivery service used: The restaurant’s own (free over $30) – we had to call to order because their online ordering service was not working for us.
Date ordered: 20th May, 2020

Dishes ordered:

  • Khao Pad Gai Tod – $13.00 – 7/10
  • Tom Yum Fried Rice – $14.00 – 6.5/10
  • Pineapple Fried Rice – $12.50 – 7.5/10

Flavour: I don’t know if the chef was just having a bad day or if it was a different chef entirely. The Khao Pad Gai Tod today was dry. Last time we didn’t even get the sweet & sour sauce that was supposed to come with this dish and it was still full of flavour and the chicken was juicy and tender. This time, the flavours were… lacking. And the chicken was old and dry. We definitely needed the sweet & sour sauce.

Such a shame, because last time Jacky was drooling over my dish. Now that he ordered it for himself, it was disappointing. I do think they gave us extra chicken though, which was nice, and the breading was still crunchy… but it was all just so dry. It’s the complete opposite of last time; this time, all the rice dishes could have benefitted from more oil.

Just look at it… I can make the colours more vibrant and the lighting brighter but you still can’t hide that it’s dry:

I was wrong about the tomato too. I don’t even get what the point of the tomato was anymore. All 3 dishes had one block of tomato haphazardly thrown into the mix. Like, just one quarter of a tomato. Why?

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Recipe: Chocolate Chip Cookies

This is a recipe based off allrecipes’ and Tasty’s chocolate chip cookies recipe, except I don’t have as much of a sweet tooth. Best served with coffee. This recipe yields approx 24 cookies.

Ingredients:

  • 1 cup unsalted butter, melted
  • 2/3 cup granulated sugar
  • 1/2 cup packed brown sugar
  • 1 teaspoon salt
  • 2 eggs
  • 2 teaspoons vanilla extract
  • 1 1/2 cups bread flour
  • 1 cup all-purpose flour
  • 1 teaspoon baking soda
  • 1 1/2 cup chocolate chips
  • 1 cup walnuts, chopped
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