Jonah Perry 🥉

Seconding the 40% zinc and try the crusting layers: a dab of liquid antacid and then a thick zinc paste, then a whisper of petroleum jelly on top so stools don’t stick and you can blot instead of wipe. Apply at every change, extra thick before naps and bedtime, and don’t scrub it off between changes, top it up. If the rash is bright red with little satellite dots, ask the pediatrician about adding a short course of an antifungal under the zinc, and meanwhile rinse with warm water or water only wipes and pat dry or use a cool hair dryer.

If it drops right around dusk it might be the camera switching to night vision and drawing more power - cheap or tired adapters and long USB cables can sag and make the camera briefly reboot, which looks like a signal loss which, yeah try the original or a higher‑amp power supply with a short, good cable on the camera, and avoid cheap power strips but then... also keep the camera and parent unit a few feet away from your Wi‑Fi router or microwave to reduce 2.4 GHz interference.

That 18% interest is a total rip-off, eating away at your money while you sleep. Just pay off the $450 debt first to stop the bleeding, then toss the leftover $150 into your emergency fund. Otherwise, you'll be complaining about even higher balances soon.

For an emergency fund that you may need in 6 to 12 months, first make sure both options are truly safe by confirming FDIC or NCUA insurance and that your balances fit within the coverage limits for your ownership category. Liquidity is the big differentiator after APY and penalties. With high‑yield savings, check ACH transfer speed, same‑bank instant transfer availability, outbound transfer limits, cutoff times, and whether the bank imposes any monthly withdrawal limits. With CDs, confirm whether your bank allows partial early withdrawals or forces you to break the entire CD, and whether the penalty is taken only from interest or can eat into principal on short terms. Rate behavior matters too, since a CD locks your yield while a high‑yield savings rate can drop and may depend on balance tiers or promo periods, and compounding frequency can vary slightly between institutions. Operational details often decide convenience. Look at minimum opening deposits, whether a CD is add‑on or bump‑up, and avoid callable CDs for emergencies because the bank can end them early if rates fall. Be careful with brokered CDs since the only way out early is to sell on the market, which can mean a loss even though they are FDIC insured if held to maturity. For access, pick a savings account with fast funds availability and link it to your checking for instant transfers when possible, and verify mobile deposit limits and holds. For CDs, note the exact maturity date, grace period, and auto‑renew default and set a reminder so you are not rolled into a new term by accident. Many people split the difference by keeping one to two months of expenses in a high‑yield savings account for immediate access and putting the rest in a 3 to 6 month CD or a small ladder, and remember that all interest is taxed as ordinary income each year.

Build cash first. Hit at least one month of expenses while paying the loan minimum, then dump the extra into the car until it is gone. After payoff, push the fund to two or three months.