With the recent news about Synapse, I am a little on edge with the safety of my money. I am currently living in France for school, and am hoping to immigrate here permanently. All of my savings is in USD, so I need a way to easily and cheaply convert between USD and EUR, and be able to spend EUR locally. After a ton of research, I decided to move almost all of my banking to Wise. They don't offer traditional banking features like in-person branches or checks, but I didn't use those anyway. I can get a local bank number in any of the many countries they support. The savings account APY is insanely high (higher than I have seen from even the best high yield savings accounts. I have a debit card that allows me to spend directly from any one of my bank account currencies, and auto convert to other supported currencies. And the USD account is insured by FDIC passthrough insurance.

In the thread about the Synapse collapse, people were saying that passthrough FDIC insurance doesn't always mean that the customer's money is actually insured. And apparently some fintech services will just lie about what is covered by FDIC insurance. I am not a lawyer, and I have no idea how to validate Wise's claims about passthrough FDIC insurance.

I was recently able to open a France bank account, which was surprisingly difficult. (To open a bank account you need proof of address, like a cell phone or electricity bill. I don't pay for utilities in my school apartment, and to get a cell phone plan I need a bank account. That was fun to try and navigate.) I have these bank accounts currently: my Wise account with US USD, Belgium EUR, and UK GBP, a US Credit Union account, and a French EUR bank account. My US credit union and French banks give a very low or zero APY, so keeping my money in my Wise accounts is preferable for that reason. But I also can't afford to loose all my savings if Wise collapses. My question is this: Is Wise safe enough for general money storage, or should I use it just for converting between currencies and keeping a small amount for spending? If Wise isn't safe, what about another similar product? I have heard of Revolut, but I didn't do much research since Wise seemed better for my use case.

Seeing the courts go after Google's monopoly and the unintended consequences to Mozilla (and therefore Firefox) that can happen if the courts make it illegal for Google to pay to be the default search engine, it goes me thinking about Chrome/Chromium.

I know that the courts are trying to force Google to give up its control of Chrome (I don't even know how that is possible for the government to tell a tech company that it is not allowed to develop a tech product it created itself) but it seems to me that Google maintaining Chrome is not really a problem in and of itself. there are many browsers available to folks and if you as a user want to be completely plugged into the google ecosystem at the detriment of your online privacy, that is your choice to make.

the real issue seems to me that a user should have the exact same experience browsing a google website on chrome vs an alternative.

But that made me wonder if (like stopping Google being able to pay to be the default search engine) Google was forced to give up its control of Chrome, what are the possible negative consequences of that to users? and would forcing Google to instead relinquish its control of chromium alleviate those issues?

We stayed in Albuquerque and Taos.

I was surprised and pleased to learn that petroglyphs national monument has free admission. The Pueblo cultural center in Albuquerque is a great resource. If you plan to visit, definitely check their website to see what is scheduled.

We visited and toured Taos Pueblo. Each Pueblo has different craft and art traditional styles. The museums and art galleries in Taos were cool.

New Mexico is beautiful and has a unique cultural identity within the US. It's a poor state but with a high percentage of scientists, artists, old Spanish American families and native Americans.

I liked it well enough to plan for a return trip.

I have a 2014 CRV, it loses oil horribly and I'm going to have to check it a couple times a week or risk my engine. The mechanic was hesitant to even help me limp it along and said basically there's no fix besides replacing the engine. He put 3 quarts in that day. I didn't have a warning it was low other than the loud start.

I'm trying to decide if it's worth continuing maintenance on this car or worth trading in now while the engine is still kicking (and switching to an electric used car probably) or nursing this along for another year or so. We have a car loan on a wheelchair van we're trying to refinance which means I'll be looking at cars that are about equivalent in value to the CRV.

Thoughts? Advice? Besides keeping oil in my car because I didn't know it was this bad. Ó⁠╭⁠╮⁠Ò

I live in the southeast, and I'm finally in a situation where nothing is really keeping me here, so in the next month or so I'm intending to begin selling everything I can't fit in my car, and move out west.

Unfortunately, I don't have a job lined up or anything like that, which obviously makes things more difficult. I figure something like offering to put a year of rent into an escrow account can probably cover that?

On top of that though, how are you supposed to get a feel for everything? Like, there are virtual tours and things like that, but it's not exactly the same.

I guess I'm just looking for general advice and tips at this stage. I feel like I don't even really know what I should be asking, but I'm definitely intent on ending up on the west coast.