Misc Tools
Google Analytics is the famous option. And probably the most fun. I really like watching the ârealtimeâ view on the world map.
The data is certainly imperfect, but in theory, you can see what pages users visit, how long they stay, whether they scroll, what cities theyâre visiting from, what source brought them to you, whether theyâre new users or repeat visitors, whether theyâre on phones or regular computers, etc.
Google Console is perhaps less well known and centers less around what people are doing on your site and more around what brings them to your site in the first place (and how Google itself views your content). I suppose this is the service for all the people obsessed with SEO?
Iâm personally not trying to optimize anything at the moment, so I mostly just check to see what search terms people are using and which ones cause clicks and how that shifts over time.
Note: as far as I can tell, it only starts tracking this data once you enable Google Console, so if youâve just set up your site and youâre not really diving into any sort of metrics yet, you should still consider getting this set up from the get-go so you can look back at the data later on.
Also, because Iâm not trying to do anything in this space, I actually havenât read much about whatâs even going on here, so these are just my vague impressions:
There are strategies for having your content be more likely to be viewed as relevant by Googleâs search algorithm, and it can take time to cause changes in Googleâs view of your site because it seems like youâre at the mercy of somewhat random allocation of Googleâs crawling/recrawling capacity over weeks and months.
If you already have high quality content that you think will be viewed favorably by the crawlers (and that your pages have the right sort of metadata), then making sure that Google has a sitemap with all your pages is perhaps the next step. (You can see how many of your pages are being included or excluded, which have been crawled, etc.)
(One thing that seems a little odd is that clicks will happen on pages that donât really seem to be coming up in search results (not getting âimpressionsâ) â not sure what that means about whatâs typically happening. One thought Iâve had is that Chrome sometimes guesses at what youâre looking for without you needing to complete the official google search (maybe Iâm thinking of cases where you have the site in your browser history?), so maybe those queries donât end up counting?)
Can write emails with a particular tone, can debug complicated spreadsheet formula errors, do language translation, make lists of promising _____, etc. In some ways, like a pretty talented assistant.
Libraries are wonderful places â beyond just checking out books, they often offer classes, are a hub for finding out about local offerings, legal support, etc. And theyâre a place you can work without noise or an expectation to buy anything.
I have many library memberships from different communities and I can take advantage of varied online offerings ranging from audio books or e-books to digital collections of magazines (e.g. consumer reports) and academic journals. So whenever I move, I go check out my local branch and add a new membership to my collection.
(Also, even if your local branch is small, they will often have a program where you can request a book from anywhere within the system and they'll send you an email when it's ready and waiting for you at your branch).
(And also, some have a specific branch with household toolsâa "Tool Lending Library" with shovels, drills, crowbars, etc. so you can tackle projects at home without needing to invest in tools that you might only need once!)
Update: one of my libraries has started stocking all sorts of fun things to borrow: sewing machines, photo scanners, dehydrators, kitchen aid attachments, camping gear, microscopes, Polaroid cameras, projectors, oversized party games, etc. And you can reserve them for specific dates rather than hoping theyâre available when you need them.
Wirecutter has a list of other things some libraries offer:
This is the place I send people to get started with
Note: not every library offers hoopla, which is another reason to collect library cards along your lifeâs adventures.
Goodreads also has a bit of a thing to recommend things based on how you rate the books youâve read.
(thereâs also an app!)
The Way Back Machine "Internet Archive"
It's a nonprofit dedicated to automatically archiving websites â you can use it to try to find content from an older version of a website that has subsequently changed or been removed.
This is a similar service:
A recent replacement for what StumbleUpon was trying to do.
I have a board with one of my besties and itâs been a really wonderful place for us to share longer-form content and handle threading and topic changes and photos and links to things in a way that was becoming pretty impossible with just text messaging.
Almost put this in coordination/teams because we use it all the time. The sad news is that theyâre being acquired by Adobe, which often marks the end of innovation đ
Essentially any music at the tip of your fingers. Surprisingly good "radio" playlists that start from a song you're into. Excellent curated playlists (e.g. "mood booster" or "chill vibes" or "dinner with friends").
You can have up to 6 accounts on a single household/family plan.
You can navigate around the globe, listening in wherever strikes your fancy.
(also good for reading before bed when they might nod off and need a recap, or where they canât start when you do, but can see that youâve begun reading and can hurry up and join in).
I got started because my family is often on different continents and it worked well for free international texting. It supports group chats with photos and video and easy âreplyâ to specific messages. I love seeing updates from my scattered family members trickle in as people see beautiful sunsets or eat delicious foods or catch their dog doing something adorable. (Bonus: they now feature end-to-end encryption)
Update: my family switched to Messages because we now all have iphones, there was some concern about whatsappâs connection to fb, and the live photos are clutch for my dadâs obsession with birds đŚ
Niche usage for managing teams when doing construction or otherwise needing to show people things irl.
(for overcoming the auto system volume lowering on a Mac during facetime calls)
Really great way to keep things moving when schedules donât align and also great for content that you might want to share with others down the road. Iâve had friends use them for explaining complicated spreadsheets that are usually a pain to revisit months or years down the line.
- Cochrane
- See also Other health services/guides
Public libraries often have a bunch of their print books which are useful when youâre e.g. starting a nonprofit, but their online resources are also good.
If you need to translate content in another language, google does a great job within your browser. If you have content from Slack or Whatsapp, you can open those apps via your browser and let Google Translate do its work!
For phrases: linguee.com maps bilingual newspaper articles to each other. You sometimes have to dig to find the option (maybe itâs that you have to scroll down past the suggested translation?). This is how a friend of mine finds weird science phrases when she needs them. They also show you the source articles so you can get at country specific things by checking if the newspapers are in the right region.
For more human translations, try phrasing your search in a way that might show up on discussion boards, e.g. âcomo se dice [phrase in spanish] en inglesâ
Also: google translate on your phone can read text via the camera and translate e.g. a menu in real time
đ¤Â Iâve heard this is a good place to look up ASL signs: https://www.handspeak.com/
See also: AI assistants like ChatGPT
My friends analyzed voice-to-text transcription and found Otter to be the best.
Importantly, thereâs both a critic score and an audience score (a few of my favorites are really low on the former and really high on the latter). And there are also convenient lists and filters for finding something good on a particular streaming service. (Though Reelgood is a better dedicated service for narrowing options to your particular streaming optionsâI just wish they had both of the rottentomatoes scores.)
You can log what services you have so that it only shows stuff streaming for free.
You can also log which movies you youâve already seen and what movies you want to see.
what3words is an app that has assigned a three word sequence to every 10âx10â square in a grid that covers the whole world (available in a number of languages as well). I found out about it on the way to not-
Note: I had a hard time with it when there was no reception, but I donât know how gps/my iPhoneâs built in compass is meant to work without service.
5 free pages (and maybe 5 more if you join via a referral link?)
Gives you a chronological ordering of the tweets of everyone you follow.
Iâve seen people rave about Substack (as a better alternative to Patreon for paid subscribers)
During wildfire season, this is how I determine when to air out the house vs. lock things down and recirculate our relatively cleaner indoor air. (See my page on gas stoves for my favorite indoor CO2 monitor
Watch Duty will send you a notification for any wildfire in the county/counties of your choosing, and if itâs not something concerning, you can instantly toggle notifications off for that particular blaze, or continue to get updates as the fire/cleanup progresses.
(in theory, you could use this to discover what factory a particular company uses for manufacturing, and that might let you be more precise in identifying high-quality off-brand options)
Finances đ§
Allows you to easily send or request $$ from your friends or housemates for splitting bills (I've heard of other services for this that my friends like, e.g. CashApp)
Low fees (true for Vanguard generally), automatically rebalances and gets less aggressive over time.
Purchasing
Consumer Reports is a nonprofit and is the most reputable company in the space â they care about reliability and safety and try to stay at arms length from manufacturers. https://en.wikipedia.org/wiki/Consumer_Reports
Theyâre perhaps most well known for their thorough annual ratings of new and used cars (but theyâre also the best for appliances). Itâs almost unthinkable to buy a car without checking that year/make/model with CR. (Anecdote: I once bought a Honda Odyssey for a group I was working with; CR said that year had bad transmissions, but the seller had replaced the transmissions just a year or two prior, so I went ahead and bought it anywayâwithin a year (which admittedly involved hauling a fair amount of drywall into the Oakland hills đŹ), the transmission failed again: my guess is that they replaced it with another one from that year. Moral of the story: trust Consumer Reports when they tell you that a particular year has a particular problem.)
You should be able to get access to a digital version of the product ratings that are published in their monthly magazine through your library membership (e.g. Ebscohost). Some libraries offer a subscription to their website as well (another reason to collect memberships!)
They also have some amount of free purchasing advice online, e.g. this guide for what month is best for buying particular products: https://www.consumerreports.org/shopping/best-time-to-buy-things/
Wirecutter (now owned by the NY Times and paid for via affiliate commissions when readers buy things + using a paywall for some content) isn't as reliable as Consumer Reports â they don't do as much testing and they seem to be less price sensitive (maybe in part because they are getting a % of the sale). But they're a good place to start when looking for objects you're interested in (they cover electronics, household furniture and kitchen supplies, even clothing and interesting toys and gifts; but for large appliances and car reliability ratings, you should definitely rely on Consumer Reports).
I also like their guides which can give you ideas for gifting or help you create a good emergency preparedness kit.
There are many different faces of Americaâs Test Kitchen: a quarterly magazine called âCooks Illustrated,â a show called âCooks Countryâ and a show/website/series of cookbooks under the âAmericaâs Test Kitchenâ brand. Theyâre like Consumer Reports, but for food and all related things.
Some portion of all of their offerings will contain product reviews of things like sous vide cookers or spatulas or knife sharpeners, âtaste testsâ of particular brands of things like black pepper or fish oil or chocolate chips, tips/techniques for frying taco shells or thinly slicing raw meat, and their main focus is the testing and development of foolproof recipes.
One thing that I really love about them is that theyâre very explicit about what their target is, and they explain the ways that their experiments failed, such that if you actually wouldâve preferred the crispier version of their chocolate chip cookies, you can follow that path instead of the one that led to the ones that were soft on the inside with a cracked outer layer that they were aiming for.
They try all sorts of things so that you donât have to: vodka in their pie crust, mashed potatoes in their pizza crust, browned butter in their cookie dough. And theyâre thorough enough that I can pretty much rely on them without needing to find something similar on the internet with a bunch of stars to make sure Iâm on the right track.
Even for something as unique as homemade kimchi, their instructions led to fantastic results (though I think they mightâve made a salt conversion error when they copied the recipe from their Foolproof Preserving to their Cooking for Gut Health book because the original had the recipe denominated in Mortonâs pickling salt which is much denser than the two main brands of kosher salt â I have the correct amounts on my
I used to gift the red three-ring binder version of the âAmericaâs Test Kitchen Family Cookbookâ which has now been out of print for a long time (youâll probably find it at most of my friendâs houses). It might still be the best combination of format and content, but there are newer ones that might be more relevant at this point. This is the original source of my
I also have the tome that is The New Best Recipes from Cooks Illustrated (a little bit more like an encyclopedia â less accessible, but more thorough in the explanations of what worked and didnât and with drawings instead of glossy photos).
And since I started needing to make specialized food, Iâve been really getting a lot of value out of the
Unfortunately, while the advent of online user reviews have made making purchasing decisions easier, they are also being exploited by unscrupulous companies who can pay for good reviews. ReviewMeta is a free tool that sifts through the reviews and outputs a report to help you determine the true score of any given product listed on Amazon.
camelcamelcamel shows you graphs of a product's price history over time and can give you a sense of whether you're overpaying for a product because the regular vendor is out of stock at the moment or whatever.
But you can also use it to ping you via email when a specific item you're interested in drops in price.
If you put something in your Amazon cart, whether you leave it there or save it for later, if you come back the next day and an item in your cart has dropped $32 in price, Amazon will show you an alert. This is probably not a very efficient method for looking for sales, but you could e.g. put your Christmas wish list in your cart and then periodically check in during Black Friday or Amazon prime day, scouting for big price drops.
Theyâll let you set a price for an item youâre interested in, which will email you anytime the price on Amazon drops below that price.
This is the best place to check before buying an Apple product â it will tell you when each product was released and whether an update is expected soon.
They produce their own prepared foods (fresh, frozen, canned, dried, etc) and theyâre generally delicious, healthy, and reasonably priced, even for fancy things like exotic cheeses, cut flowers, or organic meats. Even their sweet treats are better than what you can find almost anywhere else.
If I could only shop at one grocery store, this would be it. (Their workers are friendly and well-treated, which is a bonus.)
See also: TJâs section of as well as my actual TJâs shopping list.
A global import store with all sorts of things, from wall art and furniture, to dishes and toys, to (maybe my favorite) sweet and savory snacks from around the world. I sometimes daydream about having a party where we all just go and pick out dozens of exotic foods to try.
If you have a foreign friend living in the US, you might be able to surprise them with a favorite treat from home, and if you come home from a trip abroad and didnât have enough room in your luggage to bring everyone foreign treats, you can sometimes fake it with a quick trip to Cost Plus World Market (which is a little bit sad, but still probably a good feature of the world).
I have a few particular items I source from there
A Swedish furniture company with modern designs at very reasonable prices. Most things require assembly at home, but they also have lovely textiles (duvet covers, curtains, rugs) as well as dishware and home decor including art and lamps and plants.
Materials can vary and I would assume durability varies with itâwhen possible, I tend to avoid furniture made out of ~particle board. (But for a dorm room, itâs probably fine.)
Walking around their floor of sample display âroomsâ is a pretty fun activity.
If you donât have an IKEA nearby, you can still take advantage because most of their items ship, but once you hit a certain weight or size, the shipping cost can jump from $10 or $25 to $250. Itâs worth doing some investigating/experimentation to see if those curtains or that duvet would actually ship for a lot less than youâd pay for a similar product at a different store.
Iâve also recently learned that you can schedule a delivery over a month into the future, which is great for me and my nomadic lifestyle but might also be convenient for sending presents long before the relevant date. (Just know you might miss out on items which are out of stock on the actual shipping date.)
An impressive and secretive family-run Italian candy manufacturer (a real life Willy Wonka). They introduced the use of hazelnut as a cheaper alternative/additive to chocolate. They invented Nutella, Kinder surprise eggs (and the rest of the Kinder line), Raffaello coconut balls (particularly delicious stored in the freezer), Ferrero Roche, Ferrero KĂźsschen, even Tic tacs! (In the last ~five years theyâve been on an acquisition spree that boggles the mind đŹ)
Instead of paying for international shipping by sending a package directly, or by having a vendor in the US ship it for you, consider using a service in the country where the recipient is located. For sending things to Germany, for example, you can purchase through amazon.de or ravensburger.de. [see my email tip in
Often the selection will be different and sometimes the thing you want will not be available (or will be overpriced), but if the product is actually manufactured on that side of the world, there might be more options and better prices (Ravensburger puzzles is a perfect example â during the pandemic, there were zero puzzles available on the US website and only limited supply and high prices on amazon.com, but on the German equivalents, there was ample supply, low prices and often free shipping).
And if you don't speak the language of the country you're sending to, remember that Google Translate should be able to make the websites accessible to you anyway.
Two tips for the SFMoMA:
- If the item is out of your price range, use it as inspiration and look for something similar at other vendors.
- The international terminal of SFO has a brick and mortar store for in-person browsing.
Also, MoMA:
Etsy
Etsy is a marketplace for individuals to sell their handmade wares (as well as resell antiques and other things). Some of the things are really lovely and the odds are much better that youâll be able to find something unique or even something you can personalize.
I sometimes browse their stuff just to remind myself that there exists a world beyond Amazon.com. I have some really fun journaling/calendar/list-making stamps from there.
A global import store with all sorts of things, from wall art and furniture, to dishes and toys, to (maybe my favorite) sweet and savory snacks from around the world. I sometimes daydream about having a party where we all just go and pick out dozens of exotic foods to try.
If you have a foreign friend living in the US, you might be able to surprise them with a favorite treat from home, and if you come home from a trip abroad and didnât have enough room in your luggage to bring everyone foreign treats, you can sometimes fake it with a quick trip to Cost Plus World Market (which is a little bit sad, but still probably a good feature of the world).
I have a few particular items I source from there
I use two primary methods of coming up with gifts:
- Practical life improvements:
- I pay attention to the personâs routines and look for places that they could be improved. If they have trouble sleeping, if they drink coffee, if they dislike shaving, if they have a commute, if they sit at their workstation all day, if they take a lot of calls, if they walk their dog, if they travel a lot, if they donât have time for X (cooking, cleaning, shopping for clothes, fixing something in their house, setting up nice lighting, etc.), if they live in a place with harsh winters or hot summers, etc.
- Tons of things come up once I visit them in person (so you might want to take notes if youâre wanting to stick to the traditional gifting moments throughout the year); it can be hard to know whatâs missing from afar.
- Things that spark joy:
- I look for things that spark joy for them as we interact over time.
- Maybe this is a particular hobby, maybe a love of animals, maybe a favorite movie or character from a book, maybe itâs an activity or a set of people to visit with or maybe something that communicates a type of care or affection. Sentimental things might fit here, e.g. as reminders.
- I look for the things that spark joy for me that they might also enjoy.
- This is sometimes drawn from more universal practical life improvements, e.g. my , from a food that I really love, sometimes something that I might be able to share with them, e.g.Rainbow motion-activated toilet nightlight, or a luxury item that they might not splurge for themselves like the Ember mug (seeTide Pooling).Thermal mugs
This is where I find most of my gluten-free and low-FODMAP items. They have great prices on gf pastas (Jovial is my favorite) and Fody products (great salsa and marinara). Hereâs a referral link for 40% off your first order.
My new favorite food producer. Tons of products available on Amazon. They seem to understand toxins better than any other company Iâve run into, so this is the place to get canned beans if you canât avoid them like
Coordination/Teams đ§
Calendly (for allowing other people to book slots in your calendar based on what's available)
When2meet (for allowing people to input their availability manually)
I've never used Doodle, but I know other people use it and like it. Maybe it allows for preferences rather than just availability?
World Time Buddy for seeing how time zones overlap with working/waking hours
All our written communication/coordination happens here.
Task management
While it works just fine in a browser, I highly recommend downloading the desktop version.
(Itâs also how I made this websiteâitâs good as basically a company wiki)
This is basically how we handled the switch to fully remote work. We have âofficesâ for different parts of the project and thatâs where we have meetings but also where we often spend large portions of our day, co-working or available to answer questions as they come up.
We exclusively use it for live communication, and we use slack for anything written.
We needed to get a license with the 500-person add-on for our all-hands meeting.
Thereâs also an easy option for auto-recording every all-hands meeting which is then stored in the cloud.
Really great way to keep things moving when schedules donât align and also great for content that you might want to share with others down the road. Iâve had friends use them for explaining complicated spreadsheets that are usually a pain to revisit months or years down the line.
The presenter puts a QR code up on the screen and everyone joins the poll by scanning the code. No sign-in required, fully anonymous. You can see in real-time how many people have responded before switching to the results of the question and (depending on your purposes) eventually highlighting the correct answer. Can be used in other ways, but my team mostly uses it for multiple choice.
My primary work use for Dropbox is having a shared filing system where other people can instantly have access to anything Iâve put in the relevant folder.
My primary personal use is basically as extra storage for my laptop without losing any of my organizational systems. with a paid account, once you integrate Dropbox on your computer (rather than just using it via a browser), any folder or specific file in your Dropbox folder can be designated as âonline onlyâ or âavailable offlineâ and you can toggle between the two options in order to quickly (depending on your download speeds) take a rarely-used set of files from purely cloud storage (not taking up any space on your hard drive, while still being listed in the proper place and openable/downloadable) to being locally available like any other file on your computer. And once youâre done with a project that needed that archive or that set of files, you can move them right back to âonline onlyâ and free up that hard drive space.
Because itâs in the cloud, itâs also a handy way to give access across your devices. E.g. I have a scanning app on my phone that allows me to save to a Dropbox folder and so I can then easily grab that pdf and attach it to an email Iâm writing on my laptop.
All my screenshots are saved to a folder thatâs in my Dropbox as well, which allows easy access and also allows me to keep those files âonline onlyâ so they donât take up space, since theyâre usually just for reference.
Apart from sharing a folder or nested folder system with individuals via adding their email, any file or folder in Dropbox can be easily shared by right clicking to get âthe Dropbox link.â This is a good option for larger files, since some messaging systems will degrade the quality when sending and some systems will have a file size limit and some people wonât have unlimited data for receiving and downloading something big on their mobile devices.
Note: when Iâm looking for something that wasnât filed (e.g. a particular screenshot), I usually use the trick of clicking on a file and using the space bar to quickly preview it and then using the arrows to sift through the files in the likely time period. This works much slower when the files are âonline onlyâ so it might be worth syncing that folder or likely set of files before starting your search. But if you know what doc you need and youâre using the space bar to just look something up quickly (I do this to check my companyâs EIN as an example), I find itâs not necessary to download the file, it just takes an extra second or two for the preview to come up.
Business đ§
This is a referral link that offers gift card rewards if you end up going with them.
Iâm not even sure what their closest competitor is these daysâthey handle all the state and federal withholding and filing, make it easy to deduct properly for medical benefits or other things like gym memberships.
Maybe most importantly beyond those basics, they integrate smoothly with my accounting software, Xero, which makes an otherwise pretty complicated bookkeeping chore, a breeze.
One caution: their support, while friendly and potentially convenient (chat, email, and call-back options) if your issue is minor, has been taking a very long time to resolve issues over the past year or so. Weeks rather than days. Not a big problem for me, though it does mean I need to act as soon as I suspect something might be not-quite-right.
For convenience, you can also use them as your insurance broker, which I do for workers comp, but I find their one-size-fits-all approach doesnât get me the best plans or rates for medical or dental (the best plan at the moment seems to be Humana which offers a no cap option for dental(!)), so I have a local and very responsive agent and I manually enter the withholding details when I make a new hire. They tried to have me integrate our policies in 2021 in a way that wouldâve stolen the commissions from my agent, and have recently claimed to have an integration that wonât do that, but I havenât had the time to check as carefully as I would need to.
I also use their 401k partnership with Guideline and itâs been smooth so far. The deduction % can be updated by employees whenever they want and there are low-fee funds available, e.g. Vanguard, and it doesnât require any intervention on the admin side.
I love Xeroâcloud-based, intuitive, affordable, lots of reporting options.
(I have had one vote for adding Xero guides here, but in the meantime, feel free to ask me questions if you get started but have trouble figuring out where to look for what you need)
Re: alternatives: The accountant who argued against moving to Quick Books complained that QB has a ton of formatting in their csv exports that makes it much harder to quickly move to Excel for more data processing. I canât verify anything about QB, but I do export data from Xero all the time (especially the detailed transaction report) and it works great.
I have a lot of crypto transactions to process, and it took me 3+ years to find an accountant/consultant who could advise me well enough to integrate those transactions into Xero (basically by creating a new account for each cryptocurrency), and it took another year before I discovered that while Xero doesnât support sub accounts, it does have a toggle option in the new Balance Sheet report and a grouping option in the Income Statement report that allows you to consolidate arbitrary sets of accounts, and you can add -1 -2 -3 or whatever you want to your chart of account codes, so you can e.g. create a separate USDC account for every single wallet or exchange in order to be able to much more easily reconcile those accounts at the end of the month. Most accountants wanted me to create a clearing account for any exchange, with a MJE at the end of the month, and I think thatâs because Xero might be unusual in being able to designate any account as a payable account. I can literally mark any invoice or bill as paid via any of my accounts, which works beautifully for stablecoins that donât need any extra calculations for gains or losses.
(Word on the street is that as we get larger/have a more complex corporate structure, someone is going to convince us to switch to NetSuite or possibly Sage, especially for filing consolidated returns)
The basic idea here is that the old system of âmovingâ funds internationally from an account at a bank in the US involved many steps to get to a bank across the ocean and then ultimately into the recipientâs account.
My understanding is that by having bank accounts around the world with people wanting to move funds cross-border in many different directions, Wise could ~match sets of transactions so that when I request a UK transfer, they can take funds already in the UK and just deposit them domestically in the correct account. And they can keep my funds in the US to do the same for a UK customer whoâs trying to get funds to someone in San Francisco.
Apparently all services have a referral link at this point. This one gives you a fee-free transfer.
They have evolved over time and now also offer multi-currency accounts to individuals which a lot of foreigners seem to use to e.g. receive USD in an almost PayPal like way.
(note: when evaluating international currency transfers, donât just look at feesâmost companies make their profits on the spread, so when comparing two options, you really just need to look at how much comes out the other side if you put in identical sums in your originating currency.)
This is our new favorite âbankâ (itâs actually more of a UI layer with banking partners hidden in the background). Itâs a refreshing situation where you think of something youâd want to do and poof, Mercury offers it.
No fees on ACH or wires, physical and virtual debit cards, now also offering credit cards, and a new Treasury option with decent interest rates using vanguard money market mutual funds primarily in T-bills.
They even have great UI things where if you are filling something out and need to restart with a different user who has greater corporate powers, all the information is still there and they can just âapproveâ the application or submit the form.
Update: itâs keeps getting better! Now up to $5m FDIC insurance.
(I havenât used this long, but the DeFi features and UI are head and shoulders above Bitwave)