Yup, everything else is just an overkill or inconvenient

Software Engineer

With the recent strides towards digitisation, things like insurance, funds and banking are all handled online on the phone. I am worried that in my absence my family might not be able to access all...

Welcome to Personal Finance's Private Community

With the recent strides towards digitisation, things like insurance, funds and banking are all handled online on the phone. I am worried that in my absence my family might not be able to access all the different accounts that I use and can be helpful for them. Is there any way I can go about keeping such information secure and safe with me yet easy to access by my trusted people in an emergency/my absence? Looking for more non-subscription/online based solutions.

Best way to keep information secured yet shareable.

Best way to keep information secured yet shareable.- Grapevine

I haven't lost, just being overtly paranoid because I have all bank details and other passwords saved on my phone

[Thread] Immediate steps to take if phone is snatched/lost

Consultant

Where is everyone keeping their digital documents like Salary slips, Insurance documents, PF Numbers etc.? Since they should be easily accessible to family members also, I don't think Google drive would be a choice.

Important Digital Documents Safe-keeping

Software Developer

My mom dad usually forget their email, internet banking sometimes atm card’s password.
I also forget lot of passwords of emails, internet banking etc…
Are any good password managers available for free?

How do you remember your, mom, dad passwords ?

Product Designer

How have you planned access for your family to your investments in case of urgent need or a mishap? How have you kept your family aware of the financial investments? Would like to know answers across different asset like mutual funds, bonds, crypto etc.

Family access to investments

Product Manager

How will they know about your finances in case anything unfortunate (god forbid) happens to you ?

Do your parents/partner know about your investments/debts ?

Senior Software Engineer

What tools are available for one to calculate/view their networth at one single place?

I'm talking about things like

Funds in saving bank account
FD and RDs from all the banks
Mutual fund investments
Stocks, domestic and international 
ESOPs 
EPF 

There are many more things, 
Am I the only one or anyone else has thought that this is necessary? 
Do you track them currently, if yes then how? 

I feel a strong need for a single app to be able to track all of these

How do you calculate your networth?

Is there any app whereI can track:
1. Savings accounts money
2. Stocks and Mutual Funds
3. PF
4. FD

Personal Finance Tracking

Operation Manager

So, my friend's parent passed away due to cardiac arrest. He is clueless about his dad's policies, savings, stocks. Not that they're strapped for cash, but he'll be spending months sorting through this mess.

My father caught wind of this and sat me down. Turns out, he's already got an excel sheet with bank acc ids, nominee names, mother's financials, shared on the google drive. That's when it hit me - that my father has accepted that he's old, anything can happen at any moment. 

Couldn't focus on the convo after that. My mind kept playing out weird scenarios, and damn they're all scary. 

I guess that's life? We'll all go through losing someone close eventually.

Adulting is scary

I’ve created an excel having details of investments, insurance policies, back accounts, FDs, CCs and loans. I have shared it with my wife, cousin and a friend. It’s not about accepting that we are getting old, it’s about accepting that life is fragile, anything can happen with anyone.  
  
 I lost my father when I was young, he had files of some MFs, bonds, policies etc but scattered, it’s been years and I am still not sure if I have been able to recover all the investments he made from his hard earned money.

Welcome to Office Gossip's Private Community

In case of untimely death do you have some kind of fail safe or dead man's switch setup?
If still unclear imagine recordings left by Tony stark for his wife & child in case he died.

A switch triggers after sometime you die and maybe shares saved recordings/passwords/bank details/insurance policy with loved ones, deletes your browsing history & bricks your hard drive, sends some fuck you mails to some cunts you have known in life etc etc.

Do you have a dead man's switch or fail safe and how does it work?

Founder

1. Hedge investment portfolio during downside
2. Taxfree after maturity
3. Interest of 2.5%
4. Diversification of portfolio
5. Gold is heaven when inflation is high and macro is down due to its IMF reserve and Money printing capabilities.
6. Can buy sell if bought through digital apps like grow or Paytm

What's your say?
10% of portfolio is fine through sgb way?? 

Like 1 lac for 10 lac portfolio

SGB Tranche 3 @6199/gm ~2.5x tax-free return in last 8y

Senior Consultant

As u guys know only 5L is insured, I want to know how much you’re comfortable keeping in account? Maybe someone’s living expense could be 10L a year and they are okay with keeping that as emergency fund liquid, just an instance. But given the kinds of scams and stuff that go on in wild, what is a good formula or number of Lacs to keep in bank account? Maybe u have several accounts for different purpose and u divide it? Please share your views.

[Thread] How much are you comfortable keeping in ur Bank account?

Welcome to Software Engineers's Private Community

What are some good hacks / ideas to protect data privacy for a normal user?

Privacy hacks

Growth Manager

As the title suggests, anybody having invite for fold app.
Appreciate the help

Invite for fold app

Welcome to News Discussion's Private Community

Still, a large portion of the population believes that the following scenarios can't happen:

1. Mobile apps don't track and listen to your phone calls to show you the products you want.
2. The government is not spying on you.
3. Your private videos are safe and cannot be accessed by the mobile apps you use.
4. Credit card companies can't access your contact list and call your family members and friends in case of default.
5. Your anonymous online activities can't be traced by aggregating the data you provide on different platforms.
6. Some might say, 'What if they have my data? I'm not Ambani.' But don't underestimate the potential consequences.
7. Telecom companies store all your critical information, including your bank and UPI pin if you used their data for transactions (you can find more information in Airtel and Jio privacy concerns sections).

Believe me, anything is possible, and as a tech enthusiast, if you dismiss these concerns with a casual 'Nah,' Bhai or kisi ka pta nhi AI tumhari job jaroor replace karega ek din.

This five year old tweet is getting viral again.

Taking a vacation for a trip and able to have pre week without any critical work is heavenly but the opposite is happening with me !!! No work is likely to be closed before I leave and how not to carry this baggage on to the trip 🙃?

Best way to keep information secured yet shareable.

Discover More

Misc on

by Dezi Taye

Stealth

[Thread] Immediate steps to take if phone is snatched/lost

Personal Finance on

by Kendall Denver

Flipkart

Important Digital Documents Safe-keeping

Misc on

by Jordon Dean

Stealth

How do you remember your, mom, dad passwords ?

Personal Finance on

by Matilda Nadeen

Stealth

Family access to investments

Personal Finance on

by Coy Carmden

Stealth

Do your parents/partner know about your investments/debts ?

Personal Finance on

by Dezi Lee

Stealth

How do you calculate your networth?

Personal Finance on

by Kendall Carmden

Stealth

Personal Finance Tracking

Adulting on

by Matilda Carmden

Porter

Adulting is scary

Office Gossip on

by Isaiah Everett

X.com

Do you have a dead man's switch or fail safe and how does it work?

Personal Finance on

by Coy Hyrum

TCS

SGB Tranche 3 @6199/gm ~2.5x tax-free return in last 8y

Personal Finance on

by Jordon Hyrum

Plivo

[Thread] How much are you comfortable keeping in ur Bank account?

Software Engineers on

by Anise Taye

Stealth

Privacy hacks

Personal Finance on

by Jordon Everett

Cred

Invite for fold app

News Discussion on

by Karilyn Olive

Stealth

This five year old tweet is getting viral again.

Misc on

by Kendall Everett

Citi Group

Taking a vacation for a trip and able to have pre week without any critical work is heavenly but the opposite is happening with me !!! No work is likely to be closed before I leave and how not to carry this baggage on to the trip 🙃?