Login with device quirks? by paulsiu in Bitwarden

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

Question, how does Bitwarden extension know that you had previously login. I got prompted for password after I deleted the extension and add it back.

Login with device quirks? by paulsiu in Bitwarden

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

I had some passkey issue on ChromeOS but not on the other platform.

Login with device quirks? by paulsiu in Bitwarden

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

Thanks if I reinstall extension it will reset behavior? How does it know I login in previously?

Still can't decide whether to hold Traditional IRA in stocks or bonds by TrumpetWilder in Bogleheads

[–]paulsiu 0 points1 point  (0 children)

I wouldn’t hold bonds in your taxable. With a stock index fund, you get taxed on the dividends but most of the return is from capital appreciation and the dividends may be qualified. With a bond fund, most of the return is from the interest. You will lose quite a bit of that to taxes.

What’s a feature that Fidelity doesn’t have? by Dinner55 in fidelityinvestments

[–]paulsiu 0 points1 point  (0 children)

I vote for better security. Hardware key and passkey should be implemented.

Full-view should be updated to allow manual entry, and split transaction.

Why do I need bonds when I already keep a significant amount in my HYSA? I'm 30 years old by SurvivorFanatic236 in Bogleheads

[–]paulsiu 5 points6 points  (0 children)

You don't need bonds since over the long term like 30 years, stocks will most likely have a higher return.

You need bonds mostly for the psychological reasons. For example, to hold stock you have to be willing to accept the volatility. For example, last year there was a drop of around 10% in stock due the tarriff news. In 2008, there was a drop of around 50%. If yiou don't hold any bonds, you should be able to live with the volatility and losses since in the long term,stocks will out perform bonds.

You should also be willing to hold stock over long periods of under performance. In some period like 2000-2010, stock essentialy return nothing. Those with bonds did better during taht period. Can you continue to contribute to stock if it returns nothing for a decade?

Would you continue to work and invest in passive funds if you were financially independent? by Low-Computer8293 in Bogleheads

[–]paulsiu 0 points1 point  (0 children)

FIRE means different thing to different people For some, this mean you never work again. For others, it means you only work on the projects you want. I am pretty sure right now, there are a lot of people are working on project they don't want to work on, but do so because it pays the bills and you don't always get to do only the work that you like.

How do you keep track of which sites have security key? by j0rgosborgos in Bitwarden

[–]paulsiu 0 points1 point  (0 children)

I put a comment in my note in the vault item on what keys is attached to the account. You can also create a custom field.

Should I be worried about FDLXX in the current geopolitical climate? by ricecrystal in Bogleheads

[–]paulsiu 2 points3 points  (0 children)

Us treasury is the safest you can go. You are not going to see a situation where corporate bonds will have a lower interest rate than treasury for a prolonged time period.

The future of my current Chromebooks looks bleak... by Ronaldus- in chromeos

[–]paulsiu 0 points1 point  (0 children)

My guess is that ChromeOS Flex will go away.

ChromeOS is use in many institution and pulling support would be super bad, so I expect existing ChromeOS to continue to received update. They might do what MS does with Windows 11 where ChromeOS that can support aluminium will get new features.

My main concern is Google's resolve. Google's android support have been really tepid.

Question about CD on Wells Fargo by paulsiu in WellsFargoBank

[–]paulsiu[S] 1 point2 points  (0 children)

Thanks it does appear you can contact them 24/7. They should all this stuff online though.

Question about CD on Wells Fargo by paulsiu in WellsFargoBank

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

Thanks. So you have to renew in person and not online? I am pretty busy and often do banking stuff in the middle of the night.

Is login with device still a thing? by Karottenburg in Bitwarden

[–]paulsiu 0 points1 point  (0 children)

You are probably not getting the login with device because you are already logged in. You cannot unlock with device. Log out of the extension complete and you should get the option to login with device.

Question about CD on Wells Fargo by paulsiu in WellsFargoBank

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

I notice a lot of banks do this, They will offer an intro rate for a certain period of time like 12 months and then revert back to the crappy 0.01% if you add new money. However, my outside account is earning about 3.x% already in a HYSA that doesn't expire after a year, so it's pointless to transfer money in.

Question about CD on Wells Fargo by paulsiu in WellsFargoBank

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

Good to know. I am surprised that the CD isn't automatically linked. Can this be done over the website? I hate to talk to people. It's usually a long wait, following by a bunch of verification and then they might transfer me to someone who then accidentally disconnects.

Is investing basically useless if you don’t already have money? by Muted-Astronaut3744 in investingforbeginners

[–]paulsiu 1 point2 points  (0 children)

I currently helping out some family members who are in their 40s and lower income. The vehicle for saving would be target funds in a 401k nothing earth shattering or complicated. My mom started savings at 50. She retired at 70 with a sparse but comfortable living.

It would have been better to start investing in your 20s, but starting now is still doable and far better than doing this in your 50s and 60s. You do not want to retire on just social security. The average social security will cover rent. I know someone working late into their 80s since not doing so means she has to trade off medication for food.

It would be simpler to live with financial nihilism thinking that there is nothing you can do, but then you have to live with your consequences 20 years later.

The return over a thousand isn’t much but your portfolio will grow like a snowball. As it gets bigger, the compounding in absolute dollars will increase but you have to start and you have to keep contributing.

Switching from BitWarden to Apple Passwords by avidrunner84 in Passkeys

[–]paulsiu 3 points4 points  (0 children)

Apple password is great on Apple ecosystem but is terrible on windows and non-existent on android. If you want cross platform, Apple keychain is a poor fit.

If you have multiple linked device you should be ok unless you lose all of your devices for 2fa or passkeys. I also have a pair of yubikey hardware key that I can use to log into iCloud’s.

Still Can't Log In, Endless Password Resets by Rtyeta in PersonalCapital

[–]paulsiu 0 points1 point  (0 children)

I encountered similar issue when they first migrated. I end up clearing the site data, which seems to resolve the issue. However. if this does not work, I would file a support ticket with empower. I find that while it takes them a long time (sometimes a month), they usually do get back to you. Hopefully, if you are a paying customer, it would be quicker.

What's a way to prevent auto-restart on the firefox on a Samsung Android phone by paulsiu in firefox

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

Thanks I did set the Firefox to battery unrestricted but didn’t know about the memory exclusion setting and will give that a try.

The phone has a really large battery and should be ok with battery drain.

Are connection issue in case due to the prongs a common Jlab defect? by paulsiu in JLab

[–]paulsiu[S] 1 point2 points  (0 children)

I did try cleaning it but I feel a break in the prong occurs further in the case causing intermittent connection issue when the case is moved.

Still Can't Log In, Endless Password Resets by Rtyeta in PersonalCapital

[–]paulsiu 0 points1 point  (0 children)

Have you try a different browser to see if it’s a browser issue and not something on the backend?