2023

Finance - Budgeting - Financial Planning - Accounting - Asset Allocation - Taxable and Tax-favored Accounts - Cash

Asset Location: Taxable vs. Tax-favored Accounts (401k, IRA, HSA)

Asset Location (AKA Asset Placement) is a strategy for organizing your assets in an optimal way that helps you meet your financial goals. In the previous episode, we focused on asset location strategies for reducing taxes and simplifying your tax return. In this episode, we focus on asset location considerations for allocating capital between your taxable and tax-favored accounts (TFA) such as 401(k), IRA, and HSA. Topic discussed: (1) Seeing TFAs in a different light and deciding what your long-term strategy is for each account, (2) Using your projected tax liability to help guide your allocation, (3) deciding what assets you want to invest in, which will help determine your allocation, (4) Asset protection. Visit us at biggerinsights.com to request a consultation or read our blog. Please consider making a non-deductible contribution to help us keep this podcast going. OpenAlias: contribute.biggerinsights.com. Monero (XMR), Bitcoin (BTC), and Litecoin (LTC) addresses at biggerinsights.com/support-us. Disclaimer: We are not attorneys, CFAs, CFPs, CPAs, tax attorneys, or enrolled agents, and nothing in our podcast is tax, financial, legal, or other advice. We highly encourage you to consult your attorney, tax, and financial advisors before making any changes to your legal, tax, or financial situation. (C) 2023 Bigger Insights, LLC. All rights reserved.

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Security - Software - Email - Computer Screen

Email is Insecure – Here’s How to Improve Email Security

Email was never designed to be private or secure, so not surprisingly, it is neither private, nor secure. In the previous episode, we explained the reasons why as well as the risks inherent to email. However, email is so prevalent that it is unfortunately a necessary evil. In this episode, we provide seven recommendations for how to use email somewhat securely. Of course, due to email’s inherent design limitations, you can only use it securely to a limited extent, but some security is better than no security. These recommendations are (1) reducing your reliance on email, (2) using encrypted email providers like Proton Mail or Tutanota, (3) enabling more secure multi-factor authentication (MFA/2FA) options, (4) using your email provider’s native app on mobile, (5) controlling your email address, emails, and other data like contacts, (6) dealing with potentially-malicious attachments, and (7) being vigilant with email links. Visit us at biggerinsights.com to request a consultation or read our blog. Please consider making a non-deductible contribution to help us keep this podcast going. OpenAlias: contribute.biggerinsights.com. Monero (XMR), Bitcoin (BTC), and Litecoin (LTC) addresses at biggerinsights.com/support-us. Disclaimer: Our podcasts, including this episode, are for informational purposes only. Some of the items discussed may not be appropriate or lawful in your jurisdiction or industry.

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Planning - Concepting - Whiteboard - Tax Planning Tips - Asset Location - Asset Placement

Asset Location: Reducing Taxes & Simplifying Your Tax Return

Asset Location (AKA Asset Placement) is a strategy for organizing your assets in such a way as to reduce tax burden, simplify your tax return, and manage risk. We discuss our Asset Location strategies, which includes specifics about tax treatment for growth stocks, dividend stocks, taxable bonds, real estate investment trusts (REITs), precious metals (gold, silver), and commodities. We also detail considerations for foreign tax credit, master limited partnerships (MLPs), and Schedule K-1. Visit us at biggerinsights.com to request a consultation or read our blog. Please consider making a non-deductible contribution to help us keep this podcast going. OpenAlias: contribute.biggerinsights.com. Monero (XMR), Bitcoin (BTC), and Litecoin (LTC) addresses at biggerinsights.com/support-us. Disclaimer: We are not CPAs, tax attorneys, enrolled agents, or other tax professionals and nothing in our podcast is tax, financial, or other advice. We highly encourage you to consult your tax and financial advisors before making any changes to your tax or financial situation.

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Drake - Bad Choice-Good Choice - Linux vs Windows macOS ChromeOS

Linux Doesn’t Suck – Here’s Why Even Normies Should Use It

Linux has long been viewed as a science fair project for nerds. We explain why Linux doesn’t suck and why it’s now usable even for normies. Some of the items discussed: Issues with Windows, ease of use, performance (efficient use of resources), hardware support, application support, OS licensing, concerns about Windows/macOS/ChromeOS evolving into Orwellian adware. These other operating systems have their place, but we believe Linux should be used for personal and sensitive computing. Visit us at biggerinsights.com to request a consultation or read our blog. Please consider making a non-deductible contribution to help us break through Big Tech suppression and keep this podcast going. OpenAlias: contribute.biggerinsights.com. Monero (XMR), Bitcoin (BTC), and Litecoin (LTC) addresses at biggerinsights.com/support-us.

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Email - Mobile Phone - Privacy and Security - Technology - Hands

Email is Insecure – Stop Using it for Sensitive Communications

Email is the primary means of sending messages and documents for many people. Unfortunately, email was never designed to be private or secure. Over time, we’ve developed several tools and techniques to help make it more secure. But at the end of the day, no matter how uncomfortable it makes us feel, email is inherently insecure. Just ask the US military. Millions of military emails are going to Mali (.ml TLD) rather than the military (.mil domain) due to mundane typos. We go into detail about why email is insecure and go over real-world and personal examples. Visit us at biggerinsights.com to request a consultation or read our blog. Please consider making a non-deductible contribution to help us break through Big Tech suppression and keep this podcast going. OpenAlias: contribute.biggerinsights.com. Monero (XMR), Bitcoin (BTC), and Litecoin (LTC) addresses at biggerinsights.com/support-us.

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Woman Shopping - Holding Shopping Bags - Retail - Spending Money

What Does it Mean to be Able to Afford Something?

Most everyone will agree that you shouldn’t buy things that you can’t afford, yet so many do. Why is that? It seems to us that one of the reasons for this is because many don’t know what it means to be able to afford something. Spoiler alert – it doesn’t mean you have enough money in the bank or have just enough income to cover it. In this episode, we’re going to give you some things to think about when you’re doing your budgeting, financial planning, or considering making a large purchase like a home, car, wedding, etc. Visit us at biggerinsights.com to request a consultation or read our blog. Please consider making a non-deductible contribution to help us break through Big Tech suppression and keep this podcast going. OpenAlias: contribute.biggerinsights.com. Monero (XMR), Bitcoin (BTC), and Litecoin (LTC) addresses at biggerinsights.com/support-us.

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Cybersecurity - Privacy and Security - Virtual Private Network (VPN)

Are Virtual Private Networks (VPNs) Useless Honeypot Scams?

You may have heard others in the privacy and security community call virtual private networks (VPNs) “useless”, “scams”, or “honeypots”, but is this actually the case? There are certainly a lot of sketchy VPNs and creators who shill them, but does that invalidate the thesis for using a VPN? We discuss this issue as well as offer a few tips for using VPNs and Tor to protect your privacy. Visit us at biggerinsights.com to request a consultation or read our blog. Please consider making a non-deductible contribution to help us break through Big Tech suppression and keep this podcast going. OpenAlias: contribute.biggerinsights.com. Monero (XMR), Bitcoin (BTC), and Litecoin (LTC) addresses at biggerinsights.com/support-us.

Are Virtual Private Networks (VPNs) Useless Honeypot Scams? Read More »

Google Domains Shutting Down - Google Selling Google Domains Accounts to Squarespace

Google Domains Sale to Squarespace – Don’t Rely on Google

Google Domains is fresh out of beta and now being sold to Squarespace. You read that correctly – Google Domains is joining the Google graveyard. RIP. This deal, and how Google is handling it, is unethical and really grinds our gears. As of the time of producing this episode, Google has yet to inform us of this transaction – we had to find out about it on Twitter. However, this is a blessing in disguise, as this was the final nail in the coffin that was the last remaining shred of trust we had in Google. This was the nudge we needed to move our business to providers that actually respect their paying customers. If you rely on Google, you should, at a minimum, have a contingency plan in case they either shut down services you’re relying on or shut you down for some dubious reason. Visit us at biggerinsights.com to request a consultation or read our blog. Please consider making a non-deductible contribution to help us break through Big Tech suppression and keep this podcast going. OpenAlias: contribute.biggerinsights.com. Monero (XMR), Bitcoin (BTC), and Litecoin (LTC) addresses at biggerinsights.com/support-us.

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Legal Document - Contract - Agreement - Asset Protection - Estate Plan - Trust - Living Trust - Last Will

Living Trusts: What and Why You Need One

1 out of 3 US adults have an estate plan. 3 out of 3 need one. Revocable living trusts are powerful, flexible estate planning instruments which all adults should seriously consider, especially if there are children or significant assets involved. In this episode, we detail the advantages and disadvantages of living trusts. We also discuss the risks and headaches of dying either with only a last will or no estate plan at all (intestate), which furthers the case for having a living trust. Visit us at biggerinsights.com to request a consultation or read our blog. Please consider making a non-deductible contribution to help us break through Big Tech suppression and keep this podcast going. OpenAlias: contribute.biggerinsights.com. Monero (XMR), Bitcoin (BTC), and Litecoin (LTC) addresses at biggerinsights.com/support-us. Disclaimer: We are not lawyers or other legal professionals and do not practice law in any regard. Nothing in this episode, our podcasts in general, or our website should be construed as legal advice. The content of this episode is specific to the United States and may vary depending on your state and local jurisdiction. Although believed to be accurate as of the date of publishing this episode, some of this information may be inaccurate, may not be appropriate for your situation, or may change as the laws change. We encourage you to discuss any of this content with a qualified and competent lawyer in your jurisdiction.

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