Research standards
A thoughtful approach to every recommendation.
The research workflow
The same steps, every time.
- 1Understand the questionWhat you need to decide, your constraints and what a useful answer looks like.
- 2Research relevant informationOfficial bodies, peer-reviewed research and reputable primary sources first.
- 3Evaluate source credibilityWho published it, how recent it is, what the evidence is and whether anyone is selling something.
- 4Summarize the optionsA short, plain-English summary with trade-offs side by side, never a wall of links.
- 5Recommend practical next stepsWhat to do next, what to ask a professional and what your team can handle for you.
- 6Follow up when appropriateYour Concierge checks back once you've had time to decide, so nothing stalls.
Your question
“Where should I keep my emergency fund: a savings account or Treasury bills?”
Insured savings account
- Access any time
- FDIC-insured up to $250,000 per depositor, per bank, per ownership category [1]
- Rates can change at any time
Treasury bills
- Backed by the U.S. government
- Terms from 4 to 52 weeks [2]
- Money is committed until maturity unless sold
- More admin to set up
Practical next steps
- Decide how much needs to be available same-day
- We'll compare current rates on the day you're ready
- For tax questions, we'll prepare a short brief for your accountant
Source credibility
Where we look first.
- 1Official guidanceGovernment agencies, regulators and public-health bodies such as the WHO, FDIC or U.S. Treasury.
- 2Peer-reviewed researchSystematic reviews and meta-analyses first, then individual studies.
- 3Primary sourcesA provider's own terms, prices and policies, checked on the day.
- 4Professional bodiesProfessional associations and established institutions.
How we operate
Principles we hold ourselves to.
Human accountability
Every client has a named Personal Concierge responsible for their requests and follow-up.
Transparent boundaries
We say what we don't do, and point you to qualified professionals when you need one.
Your approval
Nothing is booked, bought, cancelled or sent on your behalf without your OK.
Minimal data
We ask only for what a task needs, and never for sensitive records through web forms.
No hidden incentives
We don't take commissions for recommending financial products.
Estimates, labelled
When something is an estimate, an example or a sample deliverable, we say so.
Service boundaries
What we are, and what we are not.
Health
We help withResearch, meal and activity plans, scheduling, habit tracking, appointment coordination.
We don’t provideDiagnosis, treatment, clinical or dietetic advice.
Finance
We help withOrganizing spending, budgets, bill calendars, savings tracking, general financial education.
We don’t provideInvestment, tax or legal advice; product recommendations; promised returns.
Everyday life
We help withCalendar, bookings, travel and product research, reminders, follow-ups.
We don’t provideAnything on your behalf without your approval.
Sources behind the figures on this website
- 1.American Time Use Survey: 2025 ResultsU.S. Bureau of Labor Statistics. On an average day, 81% of people did household activities, such as housework, cooking or household management, spending about 2 hours on them. Full-time employed people worked an average of 8.1 hours on days they worked.
- 2.Economic Well-Being of U.S. Households in 2025Board of Governors of the Federal Reserve System (May 2026). 59% of adults had at least one major, unexpected expense in the prior 12 months. 63% would cover a $400 emergency expense with cash or its equivalent. 81% of people who used generative AI agreed it saves them time.
- 3.Does changing behavioral intentions engender behavior change? A meta-analysis of the experimental evidencePsychological Bulletin, 132(2), 249–268. Across 47 experimental tests, a medium-to-large change in intention (d = 0.66) led to only a small-to-medium change in behavior (d = 0.36).
- 4.Implementation intentions and goal achievement: A meta-analysis of effects and processesAdvances in Experimental Social Psychology, 38, 69–119. Specific when-where-how plans (“if-then” plans) had a medium-to-large effect on goal attainment (d = 0.65) across 94 independent tests.
- 5.Does monitoring goal progress promote goal attainment? A meta-analysis of the experimental evidencePsychological Bulletin, 142(2), 198–229. Across 138 studies (N = 19,951), interventions that increased progress monitoring promoted goal attainment (d = 0.40). Effects were larger when progress was reported to others or physically recorded.
- 6.Mobile phone messaging reminders for attendance at healthcare appointmentsCochrane Database of Systematic Reviews, CD007458. Across the included trials, attendance was 67.8% with no reminders and 78.6% with text-message reminders (RR 1.14; moderate-quality evidence).
- 7.WHO guidelines on physical activity and sedentary behaviourWorld Health Organization. Adults should do at least 150–300 minutes of moderate-intensity aerobic activity (or 75–150 minutes vigorous) per week, plus muscle-strengthening activities on two or more days.
- 8.Deposit Insurance FAQsFederal Deposit Insurance Corporation. Standard deposit insurance covers $250,000 per depositor, per insured bank, for each account ownership category.
- 9.Treasury BillsU.S. Department of the Treasury. T-bills are short-term U.S. government securities with terms from 4 to 52 weeks.
Real people. Careful research. Consistent follow-through.
Tell us what you'd like help managing, and we'll explain how SuperHandled could support you.
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