u/OddDifference5541

I've been thinking about whether Daylight Saving Time is actually worth it anymore. From what I can tell, it started for energy conservation but energy savings are now disputed and minimal. The practice is mostly tradition at this point. However, the health impacts are real, sleep disruption, increased accidents, and even heart attacks during the transition.

What's making me question it is the growing evidence against it. I've been reading that several states have eliminated it and experts say the health costs outweigh any benefits. Productivity research is mixed but there's definitely an adjustment period that's difficult. The question is whether we should keep doing this or if it's time to eliminate it.

Is Daylight Saving Time still worth it? Have you noticed the health impacts? What's your experience with the time change? Do you think it should be eliminated? Should we keep it or get rid of it? What about productivity, does it really help? Are the health costs worth it? Should states eliminate it? What's your honest take on this?

I've been hearing about PenFed auto loans and they supposedly have competitive rates at 4.99%-8.99%. But you need to be a member which requires military/federal employment or a $17 donation. The rates are supposedly among the best available and better than dealer financing. The process is apparently smooth with quick approval and direct to dealer.

What's making me consider it is that the rates are genuinely competitive. I've been reading that PenFed has good customer service and you can get pre-approval with a rate lock. The membership requirement is easy to satisfy just a $17 donation if you're not military/federal. But I'm wondering if the hassle of joining is worth it or if I should just go with my bank.

Is PenFed actually worth joining for auto loans? Have you used them? What rate did you get? Was the membership process easy? How was the approval process? Did they work well with your dealer? Would you recommend them or should I stick with my bank? How do their rates compare to other lenders? Should I go through the membership process or just finance elsewhere?