Windows Defender is actually really good for the common person. If you’re doing highly risky things then perhaps getting better software would be warranted. But if your doing low risk activates, Windows defender is pretty great.
Also, that’s not what VPNs do; you can still download ransomware through a VPN tunnel.
Still doesn’t matter if something is “heavily taxed” because regardless of how much tax, you’ll never own more in taxes than you made. So if you got a 10,000 bonus and it was heavily taxed at 60 percent, you don’t somehow have to pay like 15,000 in taxes or something on it. You pay 60% of 10,000, leaving you with 4,000 left over. This is typically done before you even see the money, if not ensure that you keep funds aside to pay for the tax.
Also looking briefly at Japan, it appears that their income tax is a bracket based system similar to the US. So again, even if you go up a bracket, you’ll never own more taxes than you make. Honestly, people need to stop thinking in brackets when it comes to taxes, all you need to worry about is your “effective tax rate.” That’s it, you don’t need to worry that your income pushed you into a 29% tax bracket or whatever. All that matters is your effective tax rate is 24.2% or whatever. You’ll never own more money because you “moved” into a higher bracket, because that’s not how that works.
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I can help with that, if you like tips fedora /s
No, there are no fees at all. Authentic just means approved device state, which will be defined by the website you go to I believe. So youtube might required many different things in order to be “authentic” like no ad blockers, genuine browser, non-rooted phone, etc., whereas bank-xyz may just check for one thing, like a genuine browser. Also, websites have to enable this on their side, so its not going to be used by default on all websites. The whole thing is crap though, even if only a few websites enable this, it could have huge impacts.
The US doesn’t give you a nice little letter, but you can go to https://usafacts.org/visualizations/the-big-picture/ to see something similar.
Maybe Slice & Dice will fit your bill?
Pretty sure you can sign up with a username now for signal. No number required.