Stop Trying to Remember Your Passwords (And Use a Password Manager Instead.)
The article argues that relying on memory for passwords is insecure and advocates using a password manager to generate, store, and sync strong, unique credentials. It explains how password reuse fuels credential‑stuffing attacks and how weak, memorable passwords are easily guessed. The piece outlines the CIA triad—confidentiality, integrity, availability—and shows how a manager improves each dimension. It also covers best practices such as a strong master password, multi‑factor authentication, and secure recovery methods, while noting the rise of passkeys and the varied options among Apple, Google, Bitwarden, and 1Password.
Investing Blog Roundup: Getting Used to Passkeys
The blog post urges readers to start using passkeys—cryptographic login tokens that replace passwords—by experimenting on low‑stakes sites like Target or Walmart. It explains that the user experience differs across ecosystems: Apple‑only households enjoy a seamless flow, while mixed environments...
What the Heck Are Passkeys? And Should I Be Using Them?
Passkeys are a password‑less authentication method that stores cryptographic keys on a user’s device. When logging in, the device verifies the user locally via PIN or biometrics, then signs a server‑issued challenge with a private key, sending only the public...
Authenticator Apps: A Better Multi-Factor Option than Text or Email
Authenticator apps are the most secure multi‑factor authentication (MFA) option compared to email and SMS. Email‑based MFA is vulnerable because a compromised email account can unlock any linked service. SMS MFA suffers from unencrypted messages and SIM‑swap fraud, a risk...
It Can Be Easier to Fall Victim to Fraud on Mobile than Desktop
Phishing emails that look authentic on a desktop become far harder to spot on mobile devices, increasing the chance of credential theft. The author received a Vanguard‑style phishing message where the sender’s email address was hidden and the link text...
Investing Blog Roundup: Maximizing Spending in Retirement
Morningstar analyst Amy Arnott released research comparing retirement‑spending strategies, highlighting which approaches maximize total lifetime consumption. The study contrasts three objectives: maximizing overall spending, boosting early‑retirement outlays, and ensuring predictable cash flow. Findings suggest flexible withdrawal rules outperform static safe‑withdrawal...
