As a retiree, my main EOY goal is to manufacture income for ACA and tax purposes. I also rebalance my allocations as needed.

I'll second this. I ditched my bank for Fidelity three years ago. So far no issues. Their web interface for bill pay isn't as nice but its functional. Its also nice at tax time because I only need to wait for the one 1099.

The DMV and the post office(if you submitted am address change) are the most likely offenders.

Privacy guides?org has a fairly active forum

In the US it can even vary by state. Dying without a will or transfer on death assets can be a nightmare for the deceased family. My father died without a will and my mother and I spent a year jumping through hoops and dealing with lawyers trying to get everything straightened out.

I encourage everyone to take a look at their local laws related to the subject. You may be surprised at how things would work out without some planning on your part.

Yep, that was the first thing I thought of after reading the headline. I read 'The woman who.would not be silenced' and it left a big impression on me.

I couldn't get past the pay wall to read the article buy I don't put much stock in people trying to forecast the future. They have no clue what the future brings.

With that said, I don't think were seeing any more turmoil than at other points in history. If you look back at history there have been major disruptions about every decade (give or take) with more minor static in between. Covid, financial crisis, 911, gulf wars, oil embargo, Vietnam war, Korean war...etc.

People that thrive over time have their investments diversified and adjust as circumstances dictate. Setting and forgetting may not yield optimal returns but you'd probably do just fine long term. The key phrase is long term. I'm talking 40-50 years not just a few years.

Apologies...I misread that

Try removing bitwarden and do the same test. Ibet bitwarden is checking for updates that it needs to sync.

I should clarify. I have zero spam at my new email Addy and 20-30 at my old hotmail account.

I dramatically reduced my spam by switching to proton email and requesting removal at the big data brokers. Inteltechniques.com has a list of data brokers and how to request removal of each. There are a ton of brokers but I just did the big 6-8 brokers that they recommend starting with. I went from hundreds of spam a day down to 20-30. YMMV.

Yep I've been working through the old shows and remember him talking about that. This was weird that all the episodes were removed..even recent ones. I just found his podcast so I'm hoping its just a temporary hiccup.