security_notes
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| security_notes [2026.02.17 11:32] – Steve Isenberg | security_notes [2026.02.18 18:09] (current) – Steve Isenberg | ||
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| + | ====Physical and Personal==== | ||
| + | Home | ||
| + | * Quality locks and reinforced strike plates | ||
| + | * Exterior lighting | ||
| + | * Camera system (as simple as doorbell cam) | ||
| + | * Fire extinguishers | ||
| + | * Smoke/CO detectors | ||
| + | * Hide photos of your house (see above) | ||
| + | Personal Awareness | ||
| + | * Don't advertise wealth | ||
| + | * Be cautious about public financial discussions | ||
| + | * Shred sensitive mail | ||
| + | * Hold mail when traveling | ||
| + | * Hold newspaper delivery when traveling | ||
| + | |||
| + | ====Cyber==== | ||
| + | Computer/ | ||
| + | * Antivirus | ||
| + | * VPN | ||
| + | * Lock down your SIM | ||
| + | Identity protection | ||
| + | * Freeze your credit (free, reversible) | ||
| + | * Strong unique passwords | ||
| + | * Password Manager | ||
| + | * 2FA or MFA everywhere | ||
| + | Account security | ||
| + | * Alerts for transactions | ||
| + | * Separate email for financial accounts | ||
| + | * Remove unnecessary personal data from public broker sites | ||
| + | Backup strategy | ||
| + | * 3-2-1 backup rule (3 copies; 2 media types; 1 offsite) | ||
| + | * Encrypted backups | ||
| + | |||
| + | |||
| + | ====Financial==== | ||
| + | * 3-6 months of expenses in a high-yield savings account | ||
| + | * Tell your brokerage not to use voice recognition | ||
| + | Insurance | ||
| + | * Health insurance | ||
| + | * Auto Insurance | ||
| + | * Homeowners/ | ||
| + | * Umbrella liability policy | ||
| + | * Disability insurance | ||
| + | * Term life insurance | ||
| + | Diversify | ||
| + | * Don't concentrate in a single asset (stock, crypto, etc) | ||
| + | Minimize legal exposure | ||
| + | * Avoid personally guaranteeing business debt | ||
| + | * Use appropriate ownership structures | ||
| + | Tax Efficiency | ||
| + | * Max tax-advantaged accounts (401k, IRA, HSA) | ||
| + | |||
| + | |||
| + | ====Legal protection==== | ||
| + | Estate planning | ||
| + | * Will | ||
| + | * Healthcare proxy | ||
| + | * Durable power of attorney | ||
| + | * Beneficiary designations, | ||
| + | For property | ||
| + | * Revocable living trust (avoids probate, improves control) | ||
| + | * Make sure titles re correct | ||
| + | For a business of yours | ||
| + | * Use LLC or corporation | ||
| + | * Maintain separation between personal and business finances | ||
| + | |||
| + | ====Behavioral Protection==== | ||
| + | Biggest financial losses come from | ||
| + | * Divorce | ||
| + | * Lawsuits | ||
| + | * Scams | ||
| + | * Poor Investment decisions | ||
| + | * Lifestyle inflation | ||
| + | Protect yourself by | ||
| + | * Avoiding impulsive leverage | ||
| + | * Avoiding co-signing loans | ||
| + | * Carefully vetting partnerships | ||
| + | * Keeping documenttion of agreements | ||
| + | |||
| + | ====Fraud and Scam Protection==== | ||
| + | * Never rush financial decisions | ||
| + | * Independently verify wire instructions | ||
| + | * Be cautious with crypto solicitations | ||
| + | * Verify government “notices” directly | ||
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security_notes.1771356772.txt.gz · Last modified: by Steve Isenberg