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I am looking for a privacy respecting (and ideally E2EE supporting) email/ calendar/ contacts provider.

I had previously used ProtonMail up until a few months ago when the CEO started getting political (bummer).

I've since been using TutaMail, and while it's a bit rough on the UI/UX, I do appreciate that the team behind it seems very privacy focused. One problem here though, is that family that is also using this is ending up in spam folders when emailing others (I guess Tuta is more likely to be flagged as spam).

Does anyone have any suggestions for alternate providers?

I am looking for a simple to use VoIP provider that I mainly plan to use for 2FA (when a cell number is required). I know there are checks that sometimes prevent VoIP from being used but I figure it's worth a shot.

MySudo looks nice but they require Google play services to be installed, VoIP.ms looks nice too but I've had a hard time getting a hold of anyone there to help with activating my account.

Anyone have any recommendations?

I've used Graphene OS for years, but only recently started taking advantage of the profiles feature.

Currently the Owner profile that you log into on first boot is my main profile, and I have a secondary decoy profile that I can switch to. Is this the best way to do this, or should it be the other way around so that on first boot you go into the decoy, which also allows you to end the session of the main profile?

Up until now, I’ve just been saving an emergency fund in a HYSA. I’m getting to the point where I’d like to put excess savings into the market, and am looking at something like the VOO ETF. It seems things are essentially at an ATH right now, and there are a lot of big political things happening at the same time.

Would it be ill advised to buy into VOO right now? I could hold this in my HYSA but at the same time, I’m not needing this money for a while and long term I would think the market will continue to rise.

I know there was news a couple days ago about Berkshire Hathaway selling their S&P 500 ETFs, but this made up ~0.01% of their total portfolio.

Between rent and school payments, I am paying quite a lot over ACH and am wondering if there’s any way to also get some benefits back from these payments.

There are cards out there like the “Fold” card that will give back up to 1.5% in BTC for ACH transactions, but that’s contingent on you spending a lot on other transactions and the card also has a $100 annual fee.

I don’t care if the rewards are USD, BTC or booster packs of Pokémon cards. I’d just like something back from these transactions.

Let me start by saying that I am not a runner. I hope to be one day, but for now I'm just running < 1 mile after work.

After a few days of this, my knees (the tendon thing that goes down from the knee to the shin) are pretty sore. I'm wondering if I should power through this or do something differently?

A friend suggested these as he's had good luck with them, but I'm not sure if this is something the community condones or endorses.

Update: Thank you all for the suggestions! The consensus seems to be to take it easy as I begin, and run every other day (and continue to walk every day).

There's a pretty popular savings chart in the personal finance community, and I just noticed it seems to be missing the option for when your employer offers an ESPP (Employee Stock Purchase Plan) unless I'm completely missing it.

Where would you guys put it if you could add it to this chart?

For the last decade or so, my SO and I have been more or less dividing our expenses, and Venmo/ PayPal-ing the other as needed (rent, etc).

I know a lot of couples use a shared account that they both contribute to via direct deposit. How many of you do this? Any drawbacks or other options I haven’t mentioned?

For someone in their 30s, does the following allocations make sense? The goal is to have a fair amount of diversity and to more or less “set it and forget it”

55% VG INST 500 IDX 35% VG INTL STOCK IDX 10% VG TOT BD MKT IDX

I’m wondering if maybe there should be less in International and more in one of the other two, etc

My employer recently switched to Fidelity and for now I've chosen the LIFEPATH IDX 2050 A option. It looks like this one provides quarterly dividends, but the yield is 0.0%(?)

I'm looking for some fairly risk adverse options or blends that provide dividends that will be reinvested. Anyone have any recommendations?