u/Cadd9181B7543II7I44

I am a NJ resident. My parents lived in NY (5 Boroughs). This was my childhood home (jointly owned by them). Both my parents passed away within a year of each other. Mom passed in mid 2025. Dad passed recently in Jan 2026.

The home was put in my name mid 2025 after mom passed...via a "life estate deed transfer" (as recommended by an elder law attorney). This allows dad to have a life estate of the home and he gets to live in the house for the rest of his life. When he passes away, the full ownership automatically get transferred to me and I will get a step up basis.

The home is worth around $1M or so. I plan on selling it with the next few months (8 or 9 months after his death). When I sell it, what will my step up basis be? Will I have any capital gain taxes? Is there a reasonable time frame to sell the home where selling price automatically = cost basis?

Other info: No probate. All his other assets (bank accts, IRAs, brokerage accts, pension, etc) either were TODs or had me listed as 100% beneficiary.

They only allow up to 16 characters. When I went in to change my password, it took my new 25 character generated password, even though the rules say it can only be up to 16 characters. Password change successful!!! Awesome....or so I thought.

But guess their security system did? They only recorded the first 16 characters of my password.

Their website should show an ERROR message when you input more than 16 characters. It's horrible that they took a 25 character password and only used the first 16 characters without informing the end user. The least they can do is send a pop up error saying something like "your PW exceeds our 16 character limit, so we only recorded the first 16 characters, would you like to proceed?"

Recently started using a PW manager. I still keep an encrypted (AES-256) Excel workbook (PW is 25+ characters with upper/lower/number/special characters) as a local back up.

I was going to insert my JSON back up files (from Bitwarden and my 2FA Authenicator app) into that Excel workbook since the workbook is encrypted. Is this a good idea?

What's an easy way to encrypt/decrypt JSON files without needing additional software? How do you folks encrypt/decrypt your JSON files?

This is incredibly frustrating. I think I'm pretty tech savvy. I use a PW manager, Passkeys, 2FA Authenticator, and a YubiKey because I take my digital security pretty seriously. All my PWs are unique and over 20 characters long with letters, numbers and special characters.

I just hate that CVS and Caremark websites no longer prompt for a PW when logging in. They just want a OTP code from either SMS or email (along with your DOB). That's so bogus. OTP should be a 2nd factor. Not the first factor.

Anyways, I was able to change my CVS password (retail store website).

But for the life of me, I can't figure out how to change my Caremark password. Once I'm logged into Caremark (through PC browser), there is absolutely no where to change my PW.

You would think being one of the nation's largest chain drug store along with being an insurance company, they would take security more seriously by offering Passkeys or requiring 2FA authentication AFTER a correct PW has been entered.

I've never had a PW manager before because I don't trust my secrets "out there in the web/cloud/whatever". But my PW mgmt method is becoming a hassle.

I currently keep a PW protected excel spreadsheet (PW is over 25 characters and encrypted using AES256) and I am very comfortable with it security wise as I don't know anyone that had a workbook PW cracked/hacked. My XLSX file is saved on my computer's C drive locally as well as backed up to 2 USB sticks.

But the problem is, my spreadsheet is over 300 rows of data now (yes all 300 PWs are unique and different and contain 18+ characters). And it's a pain to open excel each time, type in the PW and do a copy and paste to log into any account.

Before I start using a PW manager, I have a question. How does Bitwarden work with multiple accounts? I have 8 Google accounts. I'm sure bitwarden can save 8 User IDs/PWs for Google. But how does the auto fill function work for a laptop browser vs android tablet browser vs phone's browser?

Does it give me a choice of which account I'm trying to log in?

Also, is there a way to force bitwarden to authenticate EACH AND EVERY TIME by using a passkey/biometrics (finger/face/windows hello authentication) before populating the User ID/PW? I don't want someone gaining access to my laptop/tablet/phone and being able to gain access to all my accounts if bitwarden doesn't ask for authentication before populating User ID/PWs.

Android: Chase app version 4.740

All these are personal (non business) accounts.

I have a total of 7 accounts:

2 joint checking

1 individual checking

1 individual savings

1 JPM self direct investment

1 JPM Traditional IRA

1 JPM ROTH IRA

I can't transfer funds between individual savings and individual checking for some reason. The option isn't there in the dropdown for me to select.

I can transfer between all accounts EXCEPT between individual checking & individual savings.

On my computer browser, I can transfer between all 7 accounts, so I don't think it's an acct issue.

The first thing I did was clear cache, uninstall and reinstall the app. But still unable.

Anyone with multiple accounts also see a restriction for a certain combo?

I used to wear Wrangler Riggs cargo pants (I think they called them "Ranger"?) and found them to be too baggy for me.

For a few years now, I've been buying Carhartt Rugged Flex® Relaxed Fit Ripstop Cargo Work Pant. I find these fit me better as they aren't as baggy. But prices have gone up considerably as they're $65+ now. Aside from the price, I still find them to be a tad baggy especially below the knees since I have chicken legs.

I've also seen brands like CQR that seems to sell well according to Amazon, but after reading reviews, they seem to be pretty baggy as well.

Do any of you have cargo pants (prefer ripstop) that aren't baggy? I don't want slim fit, but is there anything with a normal fit for everyday wear (as a dad that need pockets to hold toddler stuff)?

Price range is up to $100. But would consider increasing that budget for something higher quality and not as baggy.