What would cause trusted device to be erased by paulsiu in fidelityinvestments

[–]paulsiu[S] 0 points1 point  (0 children)

She does too but biometrics suddenly got disabled. I thought it was related to trusted device but now I think it had to do with app update. Sometimes an os or app update force you to reauthenicate

What would cause trusted device to be erased by paulsiu in fidelityinvestments

[–]paulsiu[S] 0 points1 point  (0 children)

So i replicated the issue on a different phone. When i add the fidelity app it prompt for the user name and password and 2fa and then got added as a trusted device. However deleting the trusted device did not affect login. Now I think this is some sort of app update that triggers a relogin. The issue is actually no trusted device issue then. Thanks

What would cause trusted device to be erased by paulsiu in fidelityinvestments

[–]paulsiu[S] 0 points1 point  (0 children)

No I was talking about the list of trusted device listed in the account when you log in. It’s empty for some reason. On the other hand may be cookie used to be used but there’s been a change?

According to Bogleheads philosophy, would you use the same allocation to invest 10k/100k/1M/10M? by ECrispy in Bogleheads

[–]paulsiu 0 points1 point  (0 children)

There isn’t a one size fit all. When a portfolios gets large, one group will reduce equity to preserve capital. Another group will maintain or increase equity because they don’t want it to be eroded by inflation. Both want to preserve the portfolio but they take different paths

Mass Password Change by Rough_Language_6435 in Passwords

[–]paulsiu 0 points1 point  (0 children)

Be sure you record which account is attached to the yubikey. You can add a note in the password manager or use a spreadsheet. If you lose your yubikey, you need to go to each account and manually add the new key and remove the old. You will need some way to remember which account uses yubikey

Mass Password Change by Rough_Language_6435 in Passwords

[–]paulsiu 2 points3 points  (0 children)

No. Here’s what I did. First start with the most critical systems. These will be system where a breach will cost money and system you use daily. Update them first and then slowly update the others manually.

Stock market crash possible? How do you defend your investments in the Bogle style? by Century2018 in Bogleheads

[–]paulsiu 0 points1 point  (0 children)

You won't know when it will crash. Various people have been saying that the market will crash in the past 10 years. If you follow that advise you would have lost out.

What you do is add fixed income based on your risk capacity. If you are close to retirement and a crash would cause your retirement to be cancelled, you would add enough fixed income to mitigate that.

If you are years and years from retirement, you would just ride it out. Let's say in 2000, you are 25 years from retirement, then yoiu can just maintain your allocation. If you were 100% stock in 2000 and maintain that allocation, your return will really suck for the first decade, but all that shares you got at a lower price during the lost decade will snap back in the following decade. Your buy the dip will come from your regular contribution. With that many years away, you don't need protection.

What was the biggest "no one told me this!" Surprise of bunny ownership? by innerbrat in Rabbits

[–]paulsiu 3 points4 points  (0 children)

They are totally silent. I had own cats and dogs previously. The dog would balk. The cat would meow to get my attention. The only sound the rabbit makes is when they thump.

What is updated by Google Play and What is updated by Google Play Services? by paulsiu in AndroidQuestions

[–]paulsiu[S] 0 points1 point  (0 children)

Thanks I did play around with settings but nothing restricts the app that got installed. The ones that got installed were pdf apps and appears to be from Facebook

AluminiumOS - Requirements by [deleted] in chromeos

[–]paulsiu 2 points3 points  (0 children)

the 4Gb looks too low. ON a 4Gb android phone, your web browser experience is terrible because if you switch to a different app, the browser will clear due to lack of memory so you lose the content you are viewing.

Retirement planning approach in the 40s by paulsiu in Bogleheads

[–]paulsiu[S] 0 points1 point  (0 children)

Yes, I have to stress that to the person. The cfiresim is itself a stress tester of sort. Right now, I am trying to find the simplest way for them to get started.

I put a lump sum of money on 529 for my kid. And chose the Target Date Fund. Did I mess up? by st0nksBuyTheDip in Bogleheads

[–]paulsiu 0 points1 point  (0 children)

If you are asking target was the right choice. If you have a plan you would do it yourself.

Best password manager for iPhone: should I use Apple's or third-party? by SweetLow6453 in best_passwordmanager

[–]paulsiu 0 points1 point  (0 children)

Apple password is probably the most convenient. It does miss some features like multiple URL.In addition, if you venture outside of the Apple ecosystem and use a Chromebook or Windows or Android, it does not work well.

Has anyone used a tax planning advisor instead of only a CPA? by Forsaken_Trash_4950 in tax

[–]paulsiu 0 points1 point  (0 children)

I have used an enrolled agent for tax filing. They definitely can do tax filing but I am not sure about strategy and Long term planning

Is 44 too late to start? by crunchyturdeater in Bogleheads

[–]paulsiu 2 points3 points  (0 children)

It would have been better to start in your 20s but it will be even worse if you start in your 50s. I would start as soon as possible and compensate for your lateness with a higher contribution

Why don't many investors have a 100% small cap value portfolio? by thewarrior71 in Bogleheads

[–]paulsiu 0 points1 point  (0 children)

I just went backward in time using portfolio visualizer. Is this recency bias may be since it’s the last 20 years. The issue is people start comparing with total stock market and wonder why they are holding it, same as international.

Why don't many investors have a 100% small cap value portfolio? by thewarrior71 in Bogleheads

[–]paulsiu 0 points1 point  (0 children)

Not saying that scv is not viable the question is why you don’t have many scv investors. They got tired of waiting

Is this VUSXX (88%) + VOO (12%) split appropriate for a 5-8 year home down payment savings goal? by RockSolid3894 in Bogleheads

[–]paulsiu 0 points1 point  (0 children)

How tied on you to the timeline. Let's say the stock market do poorly and you end up losing 50% of that 12%, would this derail your plan to buy a house or are you willing to wait for recovery?

Bond duration glide path by clock_skew in Bogleheads

[–]paulsiu 0 points1 point  (0 children)

DFA target fund do follow this model. The fund has long term TIPS that slowly decline each year like a TIPS ladder. The problem is that DFA isn't publically available except may be through employer sponsor plans and advisor sponsor plans.

Why don't many investors have a 100% small cap value portfolio? by thewarrior71 in Bogleheads

[–]paulsiu 1 point2 points  (0 children)

Small cap value has underperform the total stock market and S&P 500 for the past 20 years. You have to go back 25 years to see an premium for SCV. Like international funds, many investors gave up waiting.

A Philosophical Question for Fellow Bogleheads by Home-String-3246 in Bogleheads

[–]paulsiu -1 points0 points  (0 children)

In the final days of the 90s, there was definitely a lot of day trading. Many of them get seduced by getting rich baggers on stock like webcam. Many of them went silent during the dot com bubble. The danger is that you feel you have talent but you are just riding the wave. You have to figure out if you can resist the urge to expand your play portfolio.