About Passkeys

4a: Passkey info: https://learn.microsoft.com/en-us/windows/security/identity-protection/passkeys/?tabs=windows%2Cintune

4b: KeePassXC 2.7.7:  https://keepassxc.org/blog/2024-03-10-2.7.7-released/

4c: Websites that support passkeys: https://www.passkeys.io/who-supports-passkeys

4d: Microsoft makes passkeys the default authentication method for all new accounts: https://www.tomshardware.com/tech-industry/cyber-security/microsoft-makes-passkeys-the-default-authentication-method-for-all-new-accounts

4e:  Microsoft’s new “passwordless by default” is great but comes at a cost (Seth): https://arstechnica.com/security/2025/05/microsoft-pushes-unphishable-logins-forward-with-new-sign-in-options/

6 Things You Should Never Put in a Living Trust

Estate planning provides for the smooth handling of your assets after death. However, only around 32% of American adults have a will, indicating that most people haven’t taken the appropriate steps to prepare for the management of their estate, according to LegalZoom.

One essential tool for estate planning is a living trust. It allows your assets to bypass the lengthy, costly probate process and maintains your financial privacy.

Learn More: I’m a Bank Teller — 6 Top Ways You Can Keep Your Checking Account Safe

Consider This: 5 Subtly Genius Moves All Wealthy People Make With Their Money

Since a living trust can be amended or revoked at any point during your lifetime, it also serves as a flexible way to control your assets, avoid family disputes and ultimately provide peace of mind knowing that your estate will be managed according to your wishes.

However, not every type of asset belongs in a living trust. This article will cover the assets you should exclude from your living trust and why.

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Things To Leave Out of Your Living Trust

Including certain assets in a living trust can complicate estate management, trigger tax consequences or negatively impact the asset’s value.

While it’s always a good idea to consult an estate planning attorney for legal advice, consider excluding the following assets to maximize the benefits of your living trust:

1. Retirement Accounts

Retirement accounts like 401(k)s and IRAs can trigger tax consequences if you include them in your living will.

Since your living trust is a separate legal entity, any transfers you make from a retirement account count as a withdrawal. This makes transfers taxable and subject to penalties for early withdrawal.

One way to avoid this issue is to name the living trust as a beneficiary on the retirement account. Any funds in the account transfer to the trust upon your death and are distributed to other beneficiaries according to your will.

2. Health Savings Accounts and Medical Savings Accounts

Health savings accounts (HSAs) and medical savings accounts (MSAs) only offer tax-free growth if you use the money for medical expenses. Therefore, transferring an HSA or MSA to a living trust would cause you to lose this tax protection.

By keeping HSAs outside your trust and designating beneficiaries directly, you can continue to enjoy the tax benefits of your HSA or MSA.

3. Active Bank Accounts

You can include checking accounts or other active financial accounts into your living trust, but there are easier ways to transfer funds to your heirs and bypass the probate process.

For example, you can set up payable-on-death (POD) designated accounts through your bank with primary and secondary beneficiaries who will receive your funds when you die.

This method of transferring funds to your beneficiaries is especially relevant if the majority of your financial assets are in your checking account.

4. Vehicles

Since most people don’t own the same vehicle for a long time, it doesn’t make sense to include yours in your living trust. Doing so adds the hassle of removing it from the trust if you decide to sell the vehicle in the future.

Many states allow regular vehicles to bypass probate, and you can often register cars with a transfer-on-death (TOD) deed to pass on a car directly to a beneficiary.

However, if you own a high-value collectible car, you can consider putting it into a living trust.

5. Life Insurance Policies

Since living trusts are revocable, your policy’s benefits are exposed to creditors should you die with debt. A large policy payout could also trigger estate taxes.

Better alternatives include naming individuals as beneficiaries, or setting up an irrevocable life insurance trust that could better protect your assets and potentially reduce taxes.

6. Uniform Transfers/Gifts to Minors Accounts (UTMA/UGMA)

Uniform transfers (UTMA) and uniform gifts (UGMA) to minors accounts, which make a minor child the owner of the account, are irrevocable. Therefore, they can’t be transferred into a living trust.

While these accounts and living trusts can both be used to pass on your assets to minor children, they have different structures. Living trusts give you more control over your funds, while UTMA or UGMA accounts are fully accessible to the minor once they reach a certain age.

What Should Go in a Living Trust?

On the other hand, many types of assets are more appropriately managed when placed in a living trust. These include:

  • Houses and other real estate.
  • Financial assets, such as bond certificates, stock certificates, annuities, certificates of deposit (CDs), and safety deposit boxes.
  • Valuable personal property, such as art, jewelry, collectible vehicles, and furniture.
  • Ownership stakes in certain types of businesses like partnerships or LLCs.
  • Patents and copyrights.
  • Precious metals.

Putting these assets in a living trust can help save money on probate and streamline the process of distributing your assets to family members and other beneficiaries when you die.

Household Tips

Carpet Stain Remover

Remove stubborn carpet stains by mixing one tablespoon of Dawn dish soap with one tablespoon of vinegar and two cups of warm water. Apply the solution to the stain, blot with a clean cloth, and repeat until the stain is gone. This hack works great on pet stains and spills.

Moving & Computer Things

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Banning Lewis Ranch 
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Fix Lockup when hackers lock computer

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Republicans endorsing Kamala

Vice President Vice President Kamala Harris has seen four Republicans endorse her over Donald Trump in as many days.

Former Arizona Senator Jeff Flake has become the latest high-profile Republican figure to announce they are supporting Harris in November. Flake said Sunday that he wants to back a presidential candidate who represents “a new generation of leadership based not on grievances of the past, but hope for the future.”

Flake’s support for Harris arrives three days after former Kansas senator Nancy Kassebaum said she is endorsing Harris in the race against Trump.

Kassebaum issued a statement Thursday alongside former GOP Kansas state senator Sandy Praeger and retired federal judge Deanell Reece Tacha confirming their endorsement. The trio said the decision to back Harris over Trump presented a “stark choice” but not an easy one.

“No candidate is perfect, and we do not pretend that we subscribe to all the policy positions taken either by the national parties or any individual candidates,” they wrote.

“However, we fervently believe that we must do our part to try to build a brighter future, which is why we will be voting for Kamala Harris and [Minnesota Governor Tim Walz] in this election. We believe they most closely align with the aspirations of Kansans and reflect our rich history of working together ‘to the stars through difficulty.'”

Newsweek has contacted the campaign teams of Trump and Harris for comment via email.

A host of prominent Republicans have also voiced their support for Harris and rebuked Trump in the race.

These include more than 100 former members of Congress and national security officials from previous Republican administrations who signed a letter earlier in September calling Trump “unfit to serve again” as president.

Those who signed the letter include former Illinois congressman Adam Kinzinger, Olivia Troye, a former homeland security and counter-terrorism adviser to ex-vice president Mike Pence, and former CIA and FBI director William Webster.

Other former Republican members of congress who signed the Harris endorsement letter are Dan Miller of Florida and Oklahoma’s Mickey Edwards.

Ex-Wyoming congresswoman Liz Cheney, who along with Kinzinger sat on the House Select Committee investigating the January 6 attack, has likewise endorsed Harris.

Her endorsement was soon followed by one from her father, former Republican Vice President Dick Cheney.

“In our nation’s 248-year history, there has never been an individual who is a greater threat to our republic than Donald Trump,” Cheney said in a statement. “He tried to steal the last election using lies and violence to keep himself in power after the voters had rejected him. He can never be trusted with power again.”

Other Republicans who have endorsed Harris include Jimmy McCain, the youngest son of late Republican Senator John McCain, former Trump press secretary Stephanie Grisham and ex-Georgia Lt. Gov. Geoff Duncan.

There are also a host of GOP political figures who formed the “Republicans for Harris” coalition to help the vice president win over voters across the country.

These include John Giles, mayor of Mesa in Arizona, and former Arizona state representative Robin Shaw.

Former secretary of defense Chuck Hagel, former secretary of transportation Ray LaHood, and ex-treasurer Rosario Marin are also working to help Harris in the race.

The other former GOP Congress members who have endorsed Harris are:

  • Rod Chandler of Washington.
  • Tom Coleman of Missouri.
  • Dave Emery of Maine.
  • Wayne Gilchrest of Maryland.
  • Jim Greenwood of Pennsylvania.
  • John LeBoutillier of New York.
  • Susan Molinari of New York.
  • Jack Quinn of New York.
  • Denver Riggleman of Virginia.
  • Claudine Schneider of Rhode Island.
  • Christopher Shays of Connecticut.
  • Peter Smith of Vermont.
  • Alan Steelman of Texas.
  • David Trott of Michigan.
  • Joe Walsh of Illinois.

3 Ways To Clean Dirty Baking Sheets So They Look Brand New

https://www.msn.com/en-us/lifestyle/home-and-garden/3-ways-to-clean-dirty-baking-sheets-so-they-look-brand-new/ar-AA1oVYh1?ocid=hpmsn&cvid=4f12d696feff4d1385d3653aae4874e7&ei=84

Learn how to effectively clean a baking sheet and remove baked-on grease and stains.

I don’t know about you, but cleaning a baking sheet is one of those chores my husband and I put off more than we should. Big, cumbersome, and greasy, baking sheets can be a pain to clean and dry off. 

To make the job a bit easier, we tapped two experts for their best tips on how to clean a baking sheet to make the process a little less agonizing.

Meet The Expert

  • Jennifer Behar is a baker and the founder and CEO of Jennifer’s Homemade in Miami, Florida.
  • Missy Stefanik is a senior product manager at GoodCook Bakeware and Food Storage.

Before Getting Started

There are so many reasons why it’s important to thoroughly clean your baking sheets. “Old oil can go rancid and will make your food taste bad, and is generally bad for you,” explains Jennifer Behar, a baker and founder and CEO of Jennifer’s Homemade in Miami, Florida. “Starting with a clean surface is important for food safety and for taste.”

Another thing to consider when it comes to a dirty baking sheet is uneven heating. “Residual baked goods on the pan can lead to uneven surfaces, resulting in hot spots and uneven heating which can lead to burning or uneven baking,” explains Missy Stefanik, a senior product manager at GoodCook Bakeware and Food Storage.

You also need to think about the type of pan you are using and cleaning. According to Stefanik, aluminum pans are not safe for the dishwasher, which will result in handwashing only. Nonstick baking sheets offer a little more flexibility and can be put in the dishwasher. However, dishwasher detergents can degrade the quality of the nonstick coating, leading to quicker wear and tear. This will result in needing a replacement pan earlier. 

“For optimal results and longer-lasting bakeware, it is best to wash by hand with warm soapy water and towel dry,” says Stefanik. “The good news is that most nonstick coatings offer premium release functionality, making cleaning a pan by hand easy.”

Related: The 11 Best Cookie Sheets Of 2024

What You’ll Need

  • Baking soda
  • Hydrogen peroxide
  • Clean towel or paper towels
  • Small bowl
  • Gloves
  • Scour pad
  • White vinegar
  • Dish soap
  • Water

How To Clean A Baking Sheet

Method 1: Baking Soda and Hydrogen Peroxide Paste

  • Step 1: Rinse the baking sheet with water to remove any loose food particles. 
  • Step 2: Dry off the baking sheet with a clean towel or paper towel. 
  • Step 3: In a small bowl, mix ½ cup of baking soda with 2-3 tablespoons of hydrogen peroxide. If the paste isn’t a similar consistency to toothpaste, add more hydrogen peroxide until you get the right consistency. 
  • Step 4: Spread the paste evenly over the surface of the baking sheet. You can use your hands (with gloves) or a spoon to apply it.
  • Step 5: Behar recommends letting this sit for at least 15-20 minutes to soften up the debris and make scrubbing easier. 
  • Step 6: Use a scour pad to scrub the baking sheet. 
  • Step 7: After you’ve fully scrubbed the entire baking sheet, rinse it under warm water. 
  • Step 8: Dry the baking sheet with a clean towel or paper towel. 

Method 2: Baking Soda and Vinegar

  • Step 1: Rinse the baking sheet with water to remove any loose food particles. 
  • Step 2: Dry off the baking sheet with a clean towel or paper towel. 
  • Step 3: Sprinkle baking soda over the surface of the baking sheet. 
  • Step 4: Pour or spray (using a spray bottle) white vinegar over the baking soda. Don’t be alarmed when the vinegar reacts with the baking soda. It will create a fizzy action that’ll help lift the grime from the baking sheet.
  • Step 5: Behar recommends letting this sit for at least 15-20 minutes to soften up the debris and make scrubbing easier. 
  • Step 6: Use a scour pad to scrub the baking sheet. 
  • Step 7: After you’ve fully scrubbed the entire baking sheet, rinse it under warm water. 
  • Step 8: Dry the baking sheet with a clean towel or paper towel. 

Method 3: Baking Soda and Dish Soap

  • Step 1: Rinse the baking sheet with water to remove any loose food particles. 
  • Step 2: Dry off the baking sheet with a clean towel or paper towel. 
  • Step 3: Sprinkle baking soda over the surface of the baking sheet. 
  • Step 4: Pour a small amount of dish soap directly onto the baking soda-covered areas. Another way to do this is to mix dish soap and baking soda together in a small bowl to create a paste. Then, apply that paste directly to the baking sheet. 
  • Step 5: Behar recommends letting this sit for at least 15-20 minutes to soften up the debris and make scrubbing easier. 
  • Step 6: Use a scour pad to scrub the baking sheet. 
  • Step 7: After you’ve fully scrubbed the entire baking sheet, rinse it under warm water. 
  • Step 8: Dry the baking sheet with a clean towel or paper towel. 

How Often To Clean Baking Sheets

You should gently clean your baking sheet with dish soap every time you use it, then do a heavy-duty cleaning (with one of the steps above) every few months for home use, according to Behar.

Frequently Asked Questions

Can I use steel wool or abrasive cleaners to clean a baking sheet?

According to Stefanik, it is not advised to use steel wool or any abrasive cleaners because they will damage the nonstick coating, resulting in needing a replacement pan and uneven baking surfaces

Can I use oven cleaner on a baking sheet?

“I am sure oven cleaner can be used on baking sheets, but the chemicals are very strong and you are using a baking sheet for your food, so I prefer a more natural cleaning method,” says Behar.

How do I prevent future grease buildup on my baking sheet?

Behar recommends using parchment paper on a baking sheet when she is baking or cooking on a baking sheet. “It protects the baking sheet and it makes for easy baking,” she says. “Cookies and other baked goods lift right off without sticking, and as an added bonus, clean-up is usually a breeze.”

Related: How To Clean A Glass Oven Door, According To Experts

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