High yield savings accounts tend to have more restrictions than regular savings accounts.

They often require a higher minimum balance, and allow fewer transactions per month. Going below the minimum balance may trigger a monthly fee, a lower rate, or both.

Savings accounts of any kind are a good option for mostly liquid savings that can be fairly quickly accessed. If you have a large amount of cash that you won't need right away, there are better investment options.

It's extremely rare to have a saving account pay 12% interest. Certificates of Deposit, which are like a super-restrictive saving account, pay less than 6% right now.

I used 12% APR for the example just because it makes the math much simpler and easier to do.

Lets use some nice, easy, round numbers to illustrate these concepts.

APR is short for Annual Percentage Rate, which is the interest rate that is credited to the account. For our example, let's use 12%. Let's use a nice, round starting balance of $10,000 for our deposit.

Charging interest more frequently than once a year means the annual rate gets divided and applied based on the frequency. So if you have a 12% APR and interest is applied annually, at the end of the year, you will be paid $1,200 in interest. If you have a 12% APR and interest is applied quarterly, then at the first three months, you will be paid $300 in interest. (12% / 4 = 3%) If your interest is applied monthly, then at the end of the first month, you'll be paid $100 interest (12% / 12 = 1%)

Compounding interest is when the interest you've earned gets added to the deposit balance that's eligible to earn interest, and this is where the frequency of interest being applied starts to matter.

Let's say you earn interest twice a year. At month six, you will earn $600 interest. (10,000 balance, 12% APR, twice a year means 12/2 = 6%) At month twelve, you will earn $636 interest ($600 interest from your original $10,000 deposit, plus $36 interest on the $600 interest you earned at month 6!)

So at the end of this year, you will have earned $1,236 in interest on your $10,000 deposit with a 12% APR. The annual percentage yield (APY) on your investment would 12.36%. If your interest was applied monthly, your APY would be 12.68%. More frequent compounding leads to a slightly higher APY with the same APR.

>Is your credit score looked at at all when opening one? Does having a better score mean you get a better rate on investment?

Nope, and nope. The rate is based on the amount you deposit, and in some cases, there may be additional restrictions on when or how much you can withdraw and keep the same rate.

"Follow your bliss"

It's advice from an old person, looking backwards at their life, trying to find a pattern after the fact. What you call "bliss" when you're looking at your future is not the same thing as what you label "bliss" looking back at your past.

"Do what you love for a living and you'll never work a day in your life!"

More bad advice. Do what you love for a living, and you'll never completely relax or be able to simply enjoy the things you love anymore.

It's also worth mentioning that manufacturing quaaludes was chemically complicated and required some very specific base ingredients, meaning it wasn't cheap or easy to produce illegally, and when it was withdrawn from the market, the manufacturers of those key base ingredients stopped production as well, meaning it simply wasn't possible to make anymore. (unlike, say... how meth works...)

When a company makes a profit, and has cash on hand, there are a few things they can do with that cash.

They could spend it to improve the company's operations. (buy better equipment, repair stuff, train staff, etc.) But people who buy and hold the company's stock as an investment generally don't like that, so companies don't do a lot of that.

The company could give all their employees raises. But the people who buy and hold the company's stock don't like that, because it doesn't make the stock price go up, and doesn't make them any money.

The company can issue some of its profits as a payment to the people who hold stock. This is called a dividend. This does make stock-holders more money, but dividends are taxable income, and the people who buy and hold stocks don't like to pay taxes.

The company can literally purchase some of its own stock off the stock market to take back. Buying stock creates demand, and reduces the supply of available stock that other people could buy, so that often results in the stock price increasing. People who buy and hold stocks like it when the value of their stocks increase, so they like this.

Stock buy-backs are very literally open attempts by the company to manipulate the stock price, and for a very long time, they weren't just frowned upon, but outright illegal.

Someone else already mentioned caves, which have very stable temperatures overall.

I'll also add that temperature stability is one of those things that scales with mass. 500 grams of water/milk/cheese/whatever will have more variation in temperature than 50 kg of the same substance.

So cheeses were usually made in really, really big wheels, because that way the temperature would be more stable throughout, and then they'd just cut pieces out of the big block.