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There are only about a dozen countries or so where you cannot use Wise at all (e.g. for cheap international money transfers), and only a few more where you cannot get their free borderless multi-currency accounts.
Account security is another factor to consider when your money is all in one place. If you lose your debit card or someone gets into your online account, they could get access to all of your money. On the other hand, splitting up money across accounts at different banks puts your eggs in many baskets. This way, you could have other cash to fall back on until money is replaced after fraudulent transactions.
If you are looking for a low-risk way to save money over a long period of time, high yield savings accounts may be a good option for you. Banks that offer online savings accounts tend to have higher rates for a better return on your deposited funds, as long as you can follow any minimum balance and monthly fee rules. Keep in mind that savings rates are subject to change over time.
Banks will likely have some slightly different requirements for opening a savings account online, though most require U.S. citizens to provide a form of ID and a social security number. You might also need to lift any credit freezes you have set in order to open the savings account.
American Express gives cardholders access to their free FICO score, as well as 12 months of FICO score history. The FICO score provided is based on your Experian credit report. Your FICO score is available through your online American Express account and gets updated periodically.
Vitamin E. Vitamin E is a fat-soluble vitamin with high antioxidant potency. Vitamin E is a chiral compound with eight stereoisomers: α, β, γ, δ tocopherol and α, β, γ, δ tocotrienol. Only α-tocopherol is the most bioactive form in humans. Studies in both animals and humans indicate that natural dextrorotary d-α-tocopherol is nearly twice as effective as synthetic racemic dl-α-tocopherol (39). Because it is fat-soluble, α-tocopherol safeguards cell membranes from damage by free radicals. Its antioxidant function mainly resides in the protection against lipid peroxidation. Vitamin E has been proposed for the prevention against colon, prostate and breast cancers, some cardiovascular diseases, ischemia, cataract, arthritis and certain neurological disorders. (40). However, a recent trial revealed that daily α-tocopherol doses of 400 IU or more can increase the risk of death and should be avoided. In contrast, there is no increased risk of death with a dose of 200 IU per day or less, and there may even be some benefit (41). Although controversial, the use of long-term vitamin E supplementation in high dose should be approached cautiously until further evidence for its safety is available. The dietary sources of vitamin E are vegetable oils, wheat germ oil, whole grains, nuts, cereals, fruits, eggs, poultry, meat (6, 40). Cooking and storage may destroy natural d-α-tocopherol in foods (40).
The internet research database HighBeam Research has 1000 free accounts available. HighBeam has full versions of tens of millions of newspaper articles and journals and should be a big help in adding reliable sources--especially older and paywalled ones--into the encyclopedia. Sign-ups require a 1-year old account with 1000 edits on any Wikipedia. Here's the link to the project page: :HighBeam (account sign-ups are linked in the box on the right). Feel free to sign up to help improve your work on this project's articles. CarolMooreDC 15:04, 4 April 2012 (UTC)Reply[reply] 350c69d7ab