Brokerage accounts (fidelity/etrade) are better then bank accounts in every way (in the US). Use them with a margin account to safely maximize your investments. The margin account will basically function as an overdraft / short term loan at very favorable rates. Reasons:
- direct deposit in to your brokerage account - all surplus money should be sweeped in to an index fund (SPY or global equiv)
- You can have a ATM card and do all your checks through them usually for free
- they all have bill pay service for free
- depositing checks - they can be mailed in
- Even if you don't invest the money it will automatically be in a money market account earning you interest
- investment interest payments (on the margin) can be tax advantaged unlike credit card payments
I didn't have a bank account for over a decade. There is no reason to think about checking and savings being separate things.
Concerns about margin account being scary are only that way when you margin a substantial fraction of your account. If you are under 10% and invest in stable index funds you won't have a worry.
instead of investing in SPY consider Berkshire Hathoway (brk) for the tax advantages - (Warren Buffet doesn't like to pay taxes). I'd look at costco's sharebuilder if you can't afford to buy 1 share.
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If I'm reading the chart correctly, the additional cooling would send the ice III through the zone marked as ice II and then... wait for it... into the zone of ice nine!!!
If the secret of eternal life involves the non-fictitious version of ice IX... I mean... that seems like "the author" would be clubbing us over the head with the implication that we're living in a post-modern novel :-P
On a less metaphysical note, it seems like there is a technical question about whether additional cooling might cause problems due to transitions between different kinds of ice? From Le Wik on the real ice IX (not the fictional ice-nine):
It looks like if you were in the ice IX zone, and then heated up from LN2 temperatures, you would necessarily go through ice II on the way to liquid water (see this awesome site):
From what I can tell, if you start at ice III and cool things way down from there, you'll have to spend some time in the ice II zone, at the very least while being re-heated up from ice IX and perhaps as the state to be kept in for very long term storage. Luckily, ice II appears to also have a density of ~1.16 g / cm^3, so it is also denser than normal water and presumably would also not pop cellular membranes due to expansion :-)