April 2023

Corporate Surveillance - Privacy-invasive Apps and Services - Spying on Unsuspecting Users - Smart Devices

12 Considerations for Opening Your Next Account – Part 1

Have you ever opened an account and regretted it? Has your private data been used, abused, and breached? We have years of experience fighting with hundreds, if not thousands of different apps and services to harden, sanitize, delete sensitive information, and recover from data breaches. In this episode, we share our insights from these experiences so you can hopefully avoid the pitfalls we and our clients have encountered over the years. More specifically, here in Part 1 of 2, we discuss: 1. Avoiding data silo mentality; 2. Your account and data can be taken away at any time; 3. Policies can change against you at any time; 4. If a system can ID you, assume this is permanent; 5. Apps/services making it difficult or impossible to change or delete data; and 6. Some systems will disable your account when you change your data. Take these considerations seriously when you consider opening your next account and stay tuned for Part 2. The images presented in the video and blog content for this episode are AI-generated and provided for entertainment purposes only. 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. Correction (25, July 2023): It was stated in this episode that Amazon purchased iRobot. Amazon has entered into an agreement to purchase iRobot, but this transaction has yet to close. However, we expect it to close and remain concerned about Amazon’s data collection.

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Risk - Trap - Pitfall - Finance - Chasing Money off a Cliff

11 HSA Pitfalls to Avoid – Part 1

Health Savings Accounts (HSA) are very powerful in that they can save you a lot on your taxes, but there are many pitfalls/risks that HSA participants should be mindful of. This is Part 1 of 2 episodes detailing 11 HSA pitfalls to avoid. In this episode, we discuss 6 of the 11 pitfalls, including: 1. Not shoeboxing expenses, 2. Missing qualified expenses, 3. Disqualified expenses, 4. Personal vs. payroll contributions, 5. Over-contributing, and 6. Under-contributing. We mentioned that the law may have changed regarding over-the-counter (OTC) medications. It does appear that, per the CARES Act, certain OTC medications may qualify as qualified medical expenses without a prescription, but you should confirm this with your tax advisor. Stay tuned for Part 2. 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 CPAs, tax attorneys, or other tax professionals and nothing in this episode should be construed as tax, financial, health, or other advice. Shoeboxing HSA expenses, changing contribution elections, and investing your HSA funds involves risk, which may not appropriate to some HSA participants. Do not make changes to your HSA without first consulting your financial advisor.

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Privacy - Private - Anonymity - Secret - Lies - Deception

Privacy – Just Exactly What is Uncool?

In this episode, we explore just exactly what is uncool in the privacy scene. Does this have you feeling uncool? If so, visit us at biggerinsights.com to request a consultation or read our blog. If you don’t get the reference, you may not appreciate this as much as you otherwise would. 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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Tax - Government - Paying Taxes to the IRS

The Best Way to Pay Your Taxes to the IRS

Tax Day is almost here, which is April 18, 2023. If you’ve been following the news, you’ve probably heard Janet Yellen warning about the US Treasury running on fumes. According to Joe Biden, paying taxes is patriotic. So if you’re feeling like a patriot, and want to throw Janet a lifeline, you may be wondering what the best way is to pay your taxes to the IRS. There are several ways to do this, but which is the best way for individuals? Should you mail a check, use Electronic Funds Withdrawal, or IRS Direct Pay? In this episode, we discuss these options, their pros and cons, as well as which may be best for you. 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 CPAs, tax attorneys, or other tax professionals and nothing in this episode should be construed as tax, financial, or other advice.

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IT - Data Storage - NAS - Network Attached Storage - Server - Hard Disk Drives

Why You Need a NAS (Network Attached Storage)

A Network Attached Storage (NAS) is a dedicated storage device that you interact with over a network. As time goes on, we accumulate more data and bigger files. Our storage needs seem to be outpacing the amount of available storage capacities on off-the-shelf PCs. In this event, where should you store your data? You can store it on an external hard drive, but these provide neither the storage space, nor the data protections a NAS will provide. You could also store your data in “the cloud” (someone else’s computer), but this presents serious privacy and security risks. In this episode, we explain these issues in more detail in addition to other benefits a NAS can provide (file sharing, media server, etc.). 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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Bigger Insights Technology Podcast - Cover Art

Welcome to Bigger Insights Technology

Welcome to the Bigger Insights Technology podcast, where we’ll help you stay ahead of the curve with the latest technology that serves you, not our Big Tech overlords. The goal of this podcast is to give you the education and insights you need to be more productive and take advantage of, rather being taken advantage by technology. In this podcast, we’ll be discussing apps, services, operating systems, devices, Aritificial Intelligence (AI), Internet of Things (IoT), software development, etc. Bigger Insights, LLC is an Ohio limited liability company founded in 2020. In addition to producing blog and podcast content, we provide one-on-one consulting services for our clients on the topics of Finance, Privacy & Security, and Technology. 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: Nothing in this podcast or our website (biggerinsights.com) should be construed as professional, financial, real estate, business, tax, legal, marital/relationship, family planning, health, or other advice.

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Cybersecurity - Security - Hacking - Security Alert

LastPass Hacks – Lessons and What to Do

LastPass has been hacked… again. This time, user vaults were stolen by hackers. The more updates we receive about this dumpster fire, the worse it gets. In this episode, we explain what happened and how you should protect yourself. We also outline lessons everyone (users, business owners, developers) should take away from this event and apply them to create a more private and secure future. 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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Tax - Tax Form - Health Savings Account (HSA) - 5498-SA

HSA – Demystifying Tax Form 5498-SA

Health Savings Accounts (HSA) are powerful, but can be complicated and confusing. One of those areas of confusion comes from Form 5498-SA. In this episode, we explain why you receive 5498-SA in May as well as some HSA pitfalls to avoid. We also discuss how contributions are reported in 5498-SA Box 2 and Box 3, in addition to W-2 if you contribute through payroll. 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 CPAs, tax attorneys, or other tax professionals and nothing in this episode should be construed as tax, financial, or other advice.

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Tax - Paying Income Taxes - Federal Form 1040

Why Employees Should Care About the Tax Code

Are you living paycheck-to-paycheck or struggling to meet your financial goals? Taxes are one of, if not your biggest expense. It is a myth that employees who don’t have millions in assets shouldn’t concern themselves with the tax code because they have little or no opportunities to manage their taxes. It is true that some of the best tax opportunities are reserved for the wealthy (e.g. accredited investors), but employees have opportunities as well. In this episode, our goal is to convince you that you should care about the tax code. We discuss strategies employees can take advantage of to reduce their taxes. We also warn of some pitfalls you can run into if you’re not planning your taxes effectively. Some topics in this episode include: proper withholding, tax-favored accounts (401k, HSA, IRA), health insurance (HSA, premium tax credit, Medicaid), opportunities and pitfalls due to income fluctuations, and retirement planning. 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 CPAs, tax attorneys, or other tax professionals and nothing in this episode should be construed as tax, financial, or other advice.

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Software - Open-Source - Free and Open-Source Software (FOSS)

Why Free and Open-Source Software (FOSS) Matters

Do you love money and freedom? Do you hate being spied on and having your data monetized, shared, breached, and held captive by creepy organizations? If so, Free and Open-Source Software (FOSS) is right for you! Even if you’re paying, many closed-source applications and services are harvesting and sharing your personal data (searches, purchases, location, health and fitness, etc.) and potentially exposing you to critical security vulnerabilities. Many have come to accept that if you want to live in a modern society, you must use proprietary software and accept their abusive practices. This just isn’t the case. Not only are there a lot of great FOSS alternatives out there, many of them are actually better than their proprietary counterparts. In addition, we see a disturbing trend of proprietary software weakening encryption, collecting more data, bundling adware, and moving to subscription payment models. Abandon this sinking ship while you still can. In this episode, we explain what the issues with closed-source software are and how FOSS can help. We also discuss action items for transitioning to FOSS and using closed-source software in a controlled manner if you need to. 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. Correction (25, July 2023): It was stated in this episode that Amazon purchased iRobot. Amazon has entered into an agreement to purchase iRobot, but this transaction has yet to close. However, we expect it to close and remain concerned about Amazon’s data collection.

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