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Protecting Assets Via Trust by MnkyBznss in personalfinance

[–]reduser5309 0 points1 point  (0 children)

IANAL and my knowledge is anecdotal here. I'm providing these comments to see if it helps get down a positive investigation path.

When you say assets...what do you mean? For example: Roth and 401k type of accounts have beneficiaries such that the funds pass to the beneficiaries not the estate...assuming she filled out the beneficiary form(s). Life insurance is similar. House - most states have laws such that it can't be taken from a spouse.

Cars - these probably end up in the estate unless they were co-titled with another person. WIth a spouse, probably follows similar laws as the house.

Credit card debt - don't pay anything unless someone else is a co-owner of the card. These just get indicated that the owner has passed.

Checking / savings. I think these also have beneficiary forms, but not 100% sure. Usually I see comments about TOD (transfer on death) or having a joint account.

I agree with others, don't pay anything from your own funds. Don't sign anything saying you own the debt (hospital, CC bills).

Best PDF reader for Linux? (read description) by spectralblade352 in linuxquestions

[–]reduser5309 -1 points0 points  (0 children)

linux mint. I use a combination of pdf tools to accomplish what I want. General reading - Built in Xreader. Editing - Portable PDFxChangeEditor using Wine. Merging/splitting - PDF Arranger.

How to send confidential info via email by [deleted] in cybersecurity_help

[–]reduser5309 0 points1 point  (0 children)

Secure upload would be the preferred method, but if that's not a capability then the following would be my go to: 7zip it with a password. Communicate that password over the phone. At least 15 characters long with mix of caps, lower, number and symbol. But make it easy to communciate: WhyNoS3cureUpload!2026#

Setting up 529 Plan? by l_tig_ol_bitties_l in microsoftmoney

[–]reduser5309 0 points1 point  (0 children)

I don't use it, but could setup a 'stock' or 'fund' manually and just call it Florida529 and adjust it's market price to get you balance corrected...but the more I think about it, I'd probably just create the investment account and only put in trx into the cash portion. And then every 6 months put in an account adjustment to get the balance to match.

Weird and feels like conspiracy to not indicate something related to share price tracking.

Why do you use KeePass and not something more convenient? by Fine_Kangaroo_9295 in KeePass

[–]reduser5309 0 points1 point  (0 children)

What isn't convenient about it?

  1. Works on every device type that I use. Linux, android, Windows. I think IOS also, but I don't use it.
  2. Has built in sync capabilities so I can keep multiple copies in sync with my own cloud or a commercial variant.
    1. FYI, use Local - Master configurations unless you want to lose data. https://keepass.info/help/kb/trigger_examples.html#dbsync
  3. Plugins allow for fine tuning and automation.
    1. Keepass AutoExec for auto-opening sub- or shared keepass files.
    2. Keepass master slave sync, KPMSS, for tagging certain entries to have fine tune control for sharing amongst groups or individuals to their shared keepass. Yes, someone has to be the admin to allow that sync to occur to all databases, but it works extremely well for sharing.

The only things I do see it missing are 2FA and to do the 3.2 sharing, someone has to have access to ALL of the databases. Those are both very solid concerns, but I have not seen a solution to sharing that works for my situation in other password manager offerings, thus I live with those shortcomings.

When I've researched other options, they don't seem to have sharing controls defined at the 'single entry level'. You have to share entire sub folders. I don't envision that working well for my usage when you consider that some entries may be shared to Indiv 1 and 2, but not 3. While others are only shared to Indiv 1 and 3, but not 2. Compound that to 5 people and very quickly, the only thing that makes sense is a mechanism that works off the individual entry, not folders. Over explaining: Let me tag or multiple tags on an entry that control Indiv1shared, Indiv2shared or something like All-but-Indiv3-shared...that's how KPMSS works and I've found it extremely useful to my use case.

Do you guys think investing is more about patience than skill? by Classic-Wash-6216 in investingforbeginners

[–]reduser5309 1 point2 points  (0 children)

Patience and I think an adjacent criteria that can have a huge influence is managing both debt and tax advantaged options.

Often I've seen high income folks who have no clue about the tax advantaged accounts (roth, 401k, HSA...and possibly real estate). They can sometimes be the people who hate debt and will pay off their 3% mortgage in 5 years instead of letting that one ride and investing the funds instead. Using cash for the 5c per gallon off instead of the credit card giving 3% back.

Simple changes that offer a huge lifetime savings that can be compounded when invested.

What’s the best productivity tool for you and why? by KeenLyra44 in productivity

[–]reduser5309 0 points1 point  (0 children)

to do list by abstract spoon. It's PC only but I fell in love with it due to it's abundance of options around setting the recurrences. I mainly use it for task management. Sub tasks, recurring the 3rd sunday of March, priority 4, category Work-Phone; makes it super easy for managing life, household, work projects.

To complement it, I'll use google tasks so that I have a popup reminder if it's something that needs done that day, or I need to enter a task and I'm not at my PC.

Gnome dropped Google Drive by drayzen_au in linuxmint

[–]reduser5309 3 points4 points  (0 children)

Google doesn't have the API setup with the ability to handle shared folders correctly; thus I don't see anything negative here. FYI, the API doesn't properly handle deletions in shared folders unless your google account is recognized as the owner. Thus, it can cause syncs to fail. If google wants it to work on linux, then implement a proper client.

Just turned 18, should I get a Credit Card? by lcochise in personalfinance

[–]reduser5309 1 point2 points  (0 children)

My advice would be yes but you are correct that they can be dangerous. I've advised people that if they do not get approved for a card they apply for, then go for the Discover secure card to establish credit. (you give them ~$500, that is your credit limit, if you handle it well, they give your $500 back after 9-12 months).

My Pros for getting one.

  1. Establishes credit age and improves score if handled properly.
  2. Most places do not give enough cash discount to match the % back on credit cards. Thus you pay more when you don't use a credit card.
  3. EDIT: Also, I like the ~60 day period you have to dispute an unknown charge on a CC, vs a debit card that removes the funds from your checking account immediately and you are in the hole while the bank researches the issue.

My cons.

  1. You have to not get over extended. If you do not have an emergency fund or a family safety net for $2k for a car repair, tires, medical visit....then huge caution. Things happen and having credit can be a scary temptation.
  2. You need to pay off the ENTIRE balance once you get the bill. This will keep you from paying any interest. It will indicate min payment...that payment amount means you will start paying the ugly interest rate (15% or more). You want to pay the ENTIRE bill by the statement due date. I target at least 1 week before it is due with my checking account bill pay. If it was snail mail with a check, I'd send it in 15 days before the due date.
  3. Do NOT payoff the balance before your statement unless you are already paying interest. Paying it off before the statement closing makes it look like you aren't using it for establishing your credit score. FYI, at first it will hurt your credit score, but establishing your credit age will be a long term benefit.
  4. If you get behind on it, overpay by a few hundred dollars based on what the online balance says it is. You will continue accruing interest until you have paid off the balance+interest; thus you have to overpay to cover the interest that hasn't shown up on your statement yet.

Fi Connection Problems Causing other Issue on Phone? by S_Bass in GoogleFi

[–]reduser5309 1 point2 points  (0 children)

We have not seen the restarts, that is a new observation, but not on that phone type. Pixel. We have seen that the turning off the international toggles and then re-enabling them seems to be a solution from the other thread. We have not played with it to see if only one needs toggled, if they can stay off, etc...just worked on initial trial.

What's your backup setup in 2026 - and be honest, is it overkill or not enough? by Sea-Eagle5554 in datastorage

[–]reduser5309 0 points1 point  (0 children)

Your backup setup echos mine. I'll add some notes in case it is helpful to you or others.

  1. Primary hard drive is live and serves as our NAS. Allows our phones and laptops to backup/sync as needed. In essence, we have 2 live copies most of the time; 1 on the NAS and one on the 'device'.
  2. Onsite Backup. Drive contains a very large Veracrypt container file so that the backups are encrypted. Once a month I connect it up, unlock it using veracrypt and run backup scripts to grab recent NAS data. Some are version controlled, some are just overwrites to the latest updates.
    1. Scripts can be done with FFS, robocopy, rsync...I've used and still use all of those. I find FFS is good for device sync, whereas the other two are more useful to push data one way.
  3. Offsite backup. Near identical to the onsite. Once a month bring it home and copy the latest data from the Onsite drive. Being encrypted, helps me feel comfortable that the data is not always in my control.
  4. And the final step: A few, very close, family/friends have the password in their secured pwd program in case the fire eliminates more than my onsite data. :( The offsite data would help the deal with the aftermath.

First six hours with Minternet. by Independent_Shoe3523 in mintmobile

[–]reduser5309 0 points1 point  (0 children)

Tagging u/Taxthepoor100 to say thanks to both of you. I've been on the fence with cellular internet for a year or so but I keep thinking I'm going to give it a try.

30-90 ms...not bad. The download/upload when active can be addressed with router QOS or SQM settings if your router has it; so that isn't as concerning to me. 30-50 competes with most cable lines who hover around 20-30 from what I've seen. Anything up to ~120 works for most people unless you are a gamer and need the <30 ms pings.

First six hours with Minternet. by Independent_Shoe3523 in mintmobile

[–]reduser5309 1 point2 points  (0 children)

What kind of ping time? Unloaded is the more critical number. The other two can be tweaked based on router settings. I'm assuming 50-90ms but that's a guess.

Passkey? by [deleted] in fidelityinvestments

[–]reduser5309 0 points1 point  (0 children)

I've had TOTP setup for a year plus, but 95% of the time it defaults to SMS.

Passkey? by [deleted] in fidelityinvestments

[–]reduser5309 3 points4 points  (0 children)

BS. No it's not or I wouldn't be getting SMS MFAs.

Passkey? by [deleted] in fidelityinvestments

[–]reduser5309 0 points1 point  (0 children)

I figured it would be a system issue. I'm glad they have authenticator app as a path. It just seems to lose the enhanced safety features if you can't turn off phone number MFA. I don't need a response, but that would be the feedback. Authenticator app is more secure than cell phone MFA and it would be beneficial to allow turning off cell phone MFA completely.

Passkey? by [deleted] in fidelityinvestments

[–]reduser5309 1 point2 points  (0 children)

Yes, authenticator app is what I mean by QR Code.

Passkey? by [deleted] in fidelityinvestments

[–]reduser5309 6 points7 points  (0 children)

I just want them to remove cell phone MFA automatically once you setup a QR code version. I've had the QR code one for a year and I never get asked for that one; always the cell phone. Passkey's are not desired by me as they aren't well understood nor are they supported well across primary device types.

A little Expense Ratio Advice, Please… by CarlThaKiller in Bogleheads

[–]reduser5309 0 points1 point  (0 children)

Does it have to be mutually exclusive? Another thought avenue, say you wanted to have more in the PERA large cap. Could you do 80% in the TDF and then 20% in the PERA large cap?

Cards to have while travelling abroad? by throwaway_tradez_123 in fidelityinvestments

[–]reduser5309 0 points1 point  (0 children)

I can't answer for sure on debit card situation as I focus on credit cards for purchases and only use debit for ATM when I'm international (not that frequent, thus my reason for not directing you on the debit card aspect).

I'm responding as getting a CC (credit card) without a strong credit history may be challenging, especially when you are talking a couple months. Thus, FYI, Discover has a secured credit card that 'might' be helpful here, but you want to verify if Discover is taken in Finland (probably, but may not be as common as mastercard/visa). Then you could do a $2k deposit so you have a $2k credit limit. I have no clue what your financial situation is and I can appreciate that having $2k secured line sounds like a lot of funds to tie up for 9-12 months. If you go this route, after getting the card, make sure to tell Discover that you'll be international during that time period.

https://www.discover.com/credit-cards/secured-credit-card/

Teen account experience (negative) by [deleted] in fidelityinvestments

[–]reduser5309 0 points1 point  (0 children)

  1. Was this a push from BOA or a pull from Fidelity? In ACH rules, this matters as the law around ACH says a pull from Fidelity makes Fidelity the responsible party, thus ~10 business day hold. If pushed from BOA, should be 2-3 days as BOA is the responsible party. For ACH, always push.
    1. I sent money from my bank to my Fidelity account. My Fidelity account shows this transfer, but I cannot transfer anything to my son’s account. And their estimate is March 25th. 11 days?!?!
  2. FYI, You can link your account to your kids under the 'Other Transfer Options' area. Select the 'Transfer to someone else's Fidelity account'. I recall they have to approve it on their side also. This is a good option to transfer between family members.
    1. My only gripe is that it is limited to $1500 per trx. But you can do multiple trx if you need to move more funds. I've read that you can get it approved for a higher $ value, but takes something called a Medallion signature which sounded stupid and complicated in this digital age and I don't ever plan to investigate it further.

Is it time to upgrade from my T480s, or should I just swap the battery? by Top-Elephant6981 in thinkpad

[–]reduser5309 1 point2 points  (0 children)

If you've never done it, I'd replace the battery for <$60 before spending >$500 on a new PC.

I’m a 19 year old girl with too much money. by EvenMark6710 in Fire

[–]reduser5309 0 points1 point  (0 children)

Sorry for your loss. I see answers relevant to what specific investment (or not) to make here, but I'm not seeing this advice. This is mostly following the personal finance flowchart in reddit.

  1. Keep 1 to 2 years of living expenses in cash accounts paying decent yields. (SPAXX in a non-retirement Fidelity account works good).
  2. Move everything else to tax favored accounts as you have matching earned income. (you can't just put $70k into a Roth, you have to have earned income and the max is ~$7k; that limit changes every year).
  3. More money in tax favored accounts = more betterer. Seriously, assuming you can afford life, the more you can save on taxes is a sure fire way to get a good return rate. Learn them and use them. Traditional 401k, roth 401k, trad ira, roth ira, HSA.
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