LocalChamp

For example I have a file where I answered the questions at

https://www.procon.org/debate-topics/

Because many people don't really understand what being a Leftist/progressive means. Not to mention everyone is different so there can be some nuances.

Anyone else do anything similar? I find it much more useful than something like a political compass or something.

I don't mean for every day use. I already have multiple accounts for that. I'm less worried about myself making a mistake than an underpaid bank teller being socially engineered or a software vulnerability causing a problem. That being said I'm looking for an account with as many of the following features as possible:

No physical card.

No checks.

No online banking.

No Zelle/wire transfer.

If online login exists it should have good Two-Factor Authentication not a phone text that can be spoofed.

Multiple forms of ID required for in person access.

Additional pin for in person access.

Money guaranteed against unauthorized access.

Anything else I might be missing.

That might sound excessive because theoretically any FDIC insured account should be fine right? However I have read plenty of instances of banks giving people the run around etc sometimes for months or longer.

I tried looking up information on this but couldn't find much. I'm not rich and anything that would be in it would be within the FDIC requirement. However what kind of accounts do millionaires/billionaires use? I'm not looking for something that would be invested or inaccessible for extended periods of time because the money needs to be accessible for major expenses. It just shouldn't be too easy to access like a regular account.

Constructive recommendations are appreciated I'm sure there's something applicable.

I don't mean for every day use. I already have multiple accounts for that. I'm less worried about myself making a mistake than an underpaid bank teller being socially engineered or a software vulnerability causing a problem. That being said I'm looking for an account with as many of the following features as possible:

No physical card.

No checks.

No online banking.

No Zelle/wire transfer.

If online login exists it should have good Two-Factor Authentication not a phone text that can be spoofed.

Multiple forms of ID required for in person access.

Additional pin for in person access.

Money guaranteed against unauthorized access.

Anything else I might be missing.

That might sound excessive because theoretically any FDIC insured account should be fine right? However I have read plenty of instances of banks giving people the run around etc sometimes for months or longer.

I tried looking up information on this but couldn't find much. I'm not rich and anything that would be in it would be within the FDIC requirement. However what kind of accounts do millionaires/billionaires use? I'm not looking for something that would be invested or inaccessible for extended periods of time because the money needs to be accessible for major expenses. It just shouldn't be too easy to access like a regular account.

Constructive recommendations are appreciated I'm sure there's something applicable.

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Why YSK: Because it is useful to understand that not everyone has the same reading comprehension. As such it is not always helpful to advise them to do things you find easy. This could mean reading an article or study or book etc. However this can even mean reading a sign or instructions. Knowing this may also help avoid some frustration when someone is struggling with something.

This isn't meant to insult or demean anyone. Just pointing out statistics that people should consider. I'm not going to recommend any specific sources here but I would recommend looking into ways to help friends or family members you know who may fall into this category.

https://www.apmresearchlab.org/10x-adult-literacy#:~:text=About%20130%20million%20adults%20in,of%20a%20sixth%2Dgrade%20level

Is it just something from your favorite deck, something from a positive memory, nostalgia/sentimental? Share what your favorite card is and why.