After 10 months of opening, I've decided to end the Laddered STC I set up to serve as an emergency fund. I won't cancel immediately rather I will cancel when the maturity date ends to avoid fees.
The money earned from the higher rate in a Laddered STC is like pennies. I'll take the convenience of moving money from a Money Market to a Checking Account in a matter of seconds over the pennies and hassle of having to connect with a person to get my money (in time of emergency).
Audiobook I'm enjoying (through Libby iPhone app).
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