Personal Consumer Issues • Yubikey only at Vanguard now possible.
The Fidelity implementation supports deploying passkeys to a Yubikey. I can create multiple passkeys to deploy to multiple Yubikeys, and drop the TOTP configuration. If I then try to login with a...
View ArticleInvesting - Theory, News & General • 3 questions about your Burn rate
Our finances will be significantly different next year because (1) we are currently moving from our long-time house into an independent-living "patio home" in a continuing care retirement community...
View ArticlePersonal Investments • Mortgage payment speedup while optimizing for multiple...
your current loan amount is $1240Kyour desired loan principal is $750K, so you need to pay $490K extra principal. If you pay $20K/month EXTRA principal, you will bring it down in 2 yearsSince you...
View ArticleNon-US Investing • Realization-based capital gains taxation in the Netherlands
As many US citizens and green card holders resident in the Netherlands likely know, the government is trying to change the current capital taxation system in the Netherlands to a realization based...
View ArticlePersonal Finance (Not Investing) • How do you manage large recurring bills?
We've never kept a separate account for those large recurring bills. When we were working, we didn't live from paycheck to paycheck, or run "lean and mean" / "just in time" checking accounts. We kept...
View ArticleUS Chapters • Hawaii Bogleheads, where are you?
Sorry a family function popped up for tomorrow, so I won't be able to attend. If the next meeting is on the 3rd saturday of November, I will be out of town on a trip. As I recall we didn't meet in...
View ArticlePersonal Finance (Not Investing) • Move stock shares from Fidelity brokerage...
Just place a transfer lock on the brokerage account after donating, gifting, or exporting them.You have to keep the account unlocked until the shares are transferred. I also don’t want more shares to...
View ArticlePersonal Consumer Issues • How to Move to Linux
I am curious if there are anything else glaring from someone used to using regular linux?Understand that the Linux is very heterogeneous and like to go their own ways. It's like herding cats. The term...
View ArticleInvesting - Theory, News & General • TIAA Real Estate Surges
Then at the end of each quarter appraisals are done and that explains the large moves at those times.No, my understanding is that every week a handful of properties are appraised. But each property is...
View ArticlePersonal Finance (Not Investing) • Roth conversion w/ withholding at...
Too complicated only for the difference between withholding and paying estimated tax. Choose no withholding. Pay estimated tax. Done. No gymnastics required.Geez, I even took out a line where I said,...
View ArticleInvesting - Theory, News & General • PE and the overall market
The fascinating thing about indexing is how difficult it is to beat this deeply flawed strategy. Bogle’s original detractors were very intelligent people with good arguments, just as modern detractors...
View ArticlePersonal Investments • Confessions of a First-Time Bond Trader
If you read the narrative closely, you will see that it said " I looked for the cut-off time to join the auction. Threads here noted either 11:00 or 12:00 Eastern time. It turns out that it was 09:30...
View ArticlePersonal Investments • Late retirement living investment challenges
Thanks to all responding thus far. I have to delay to travel and be with 92 year old brother who is critically ill in his assisted living facility - a glimpse of future perhaps. More later.Best wishes...
View ArticlePersonal Consumer Issues • custom sized mattress
Also I see your username (seattlereader) implies you're in Seattle - have you looked at seattlemattress.net? We have bought several mattresses from them over the years, though not custom ones, and...
View ArticlePersonal Finance (Not Investing) • VG [Vanguard] passkey label revision?
However, for those of us currently using a Windows desktop environment where we do not save the username and password anywhere, the VG implementation of passkeys is a decline in our security...
View ArticleInvesting - Theory, News & General • Long term TIPS real yield at 3%
Literally, every single TIPS fund purchase I've ever made currently has negative gains.Same.I started building my ladder in 2022 and built the bulk of it in 2023. I have just been padding it , and...
View ArticlePersonal Investments • TIAA traditional GSRA interest rates
Struggling to get an answer to my question despite my own research. For my single 2023 GSRA vintage making 5.75% (at least through 3/1/27), does monthly credited interest remain in that same 2023...
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Personal Consumer Issues • HAM Radio Operators?
This post, in general, makes me think back to 1964 (October 1964 to February 1965. I was a US Navy Supply Corps officer assigned to a US Navy Mobile Construction Battalion stationed at McMurdo Station...
View ArticlePersonal Finance (Not Investing) • Medicare open enrollment begins today:...
I got an email today that Medicare open enrollment begins today October 15, 2026. I have traditional Medicare with a Medigap policy and part D drug coverage. The main change I am considering is to my...
View ArticlePersonal Finance (Not Investing) • Trying to keep health care [dental and...
Here is my understanding: A colonoscopy can be considered screening if they find nothing. However, if a polyp is found and removed that is "treatment", not screening. At that point, the colonoscopy is...
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