#1 always store passwords encrypted #2 UTC in DB, convert to TZ in UI #3 store recurring events only once with recurring meta-information and deal with it in th

#1 always store passwords encrypted #2 UTC in DB, convert to TZ in UI #3 store recurring events only once with recurring meta-information and deal with it in the query implementation and business logic (do NOT use separate table with crons and from time-to-time expansion - that's leads to technical debt)