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Re: Got a new chip & signature cc from USbank: what's the di

Unfortunately the bad guys can still copy the number and use it to buy stuff over the web ... True. The chip isn't used in online and telephone transactions. However they need to have your card number first. And once chip terminals become common in stores that will become more difficult. It certain...
by jchef
Wed Nov 19, 2014 9:27 pm
 
Forum: Personal Consumer Issues
Topic: Got a new chip & signature cc from USbank: what's the diff?
Replies: 11
Views: 1089

Re: Got a new chip & signature cc from USbank: what's the di

I've had my chip & signature card (with magnetic strip) from US Bank for at least 2 years now and I have yet to see a checkout opportunity that would use the chip. Even gadgets that suggest you can wave your card at it to make a purchase have not worked. Maybe the chip is just for the "coo...
by jchef
Wed Nov 19, 2014 9:24 pm
 
Forum: Personal Consumer Issues
Topic: Got a new chip & signature cc from USbank: what's the diff?
Replies: 11
Views: 1089

Re: Got a new chip & signature cc from USbank: what's the di

If you use a merchant that has a chip reader you will likely be required to use it and not be able swipe it. Doesn't really offer any increased security does it? What's the difference whether I swipe it or use a chip reader? This seems like a nothing-burger to me. - Communication between the chip a...
by jchef
Wed Nov 19, 2014 9:22 pm
 
Forum: Personal Consumer Issues
Topic: Got a new chip & signature cc from USbank: what's the diff?
Replies: 11
Views: 1089

Re: Got a new chip & signature cc from USbank: what's the di

If you use a merchant that has a chip reader you will likely be required to use it and not be able swipe it. Doesn't really offer any increased security does it? What's the difference whether I swipe it or use a chip reader? This seems like a nothing-burger to me. - Communication between the chip a...
by jchef
Tue Nov 18, 2014 9:54 pm
 
Forum: Personal Consumer Issues
Topic: Got a new chip & signature cc from USbank: what's the diff?
Replies: 11
Views: 1089

Re: New Fidelity AMEX - with chip

Hopefully there is an effort underway to upgrade terminals - otherwise what's the point? This is a tiny bit of an oversimplification, but starting October 2015 if a customer has a chip card and the retailer swipes it (instead of using the chip), the retailer will be responsible for the charge if th...
by jchef
Tue Nov 11, 2014 12:26 pm
 
Forum: Personal Consumer Issues
Topic: New Fidelity AMEX - with chip
Replies: 9
Views: 747

Re: iOS 8 on iPad 2

They only stopped selling the iPad 2 earlier this year, so it made sense that it would likely get one more upgrade. And if you install the upgrade through iTunes on your desktop you don't need much free space. I just upgraded my iPad 2 without any problems and it only had 1.5 GB of free space. And s...
by jchef
Wed Sep 17, 2014 5:23 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 on iPad 2
Replies: 4
Views: 1992

Re: My first required EMV transaction in the US

It's a pity, though, that none of this actually impacts card-not-present transactions, which are the only type of credit card fraud I've actually had happen to me. However to commit this type of fraud you do need to have the credit card info. EMV makes it more difficult to get this info. :confused ...
by jchef
Mon Sep 15, 2014 9:33 pm
 
Forum: Personal Consumer Issues
Topic: My first required EMV transaction in the US
Replies: 9
Views: 1040

Re: My first required EMV transaction in the US

It's a pity, though, that none of this actually impacts card-not-present transactions, which are the only type of credit card fraud I've actually had happen to me. However to commit this type of fraud you do need to have the credit card info. EMV makes it more difficult to get this info. How does E...
by jchef
Mon Sep 15, 2014 8:40 pm
 
Forum: Personal Consumer Issues
Topic: My first required EMV transaction in the US
Replies: 9
Views: 1040

Re: How often do you really change your email passwords?

Drain wrote: Mostly, I don't bother, since I use Gmail with a strong password and 2FA.

Exactly. My email accounts are protected by two factor authentication. So I see no reason to change the password.
by jchef
Mon Sep 08, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: How often do you really change your email passwords?
Replies: 17
Views: 729

Re: Home Depot Breach - zip codes revealed

And quite frankly, it may be worth doing every 6 months because this seems to be an escalating problem that no one wants do address, or they do bandaid fixes. Every country that implemented EMV had a significant reduction in credit card fraud. As well, given that the US is the only major country th...
by jchef
Fri Sep 05, 2014 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Home Depot Breach - zip codes revealed
Replies: 43
Views: 6181

Re: Home Depot Breach - zip codes revealed

My only HD purchase was online, any clue if I was hacked. I download into Quicken daily, I logged into Discover and they made a statement about the HD attack. :oops: The known hack deals with the software on physical cash registers. Target was quite clear that their online store wasn't affected. It...
by jchef
Fri Sep 05, 2014 10:42 am
 
Forum: Personal Consumer Issues
Topic: Home Depot Breach - zip codes revealed
Replies: 43
Views: 6181

Re: Home Depot Breach - zip codes revealed

When will US credit card companies learn and start requiring PIN numbers? It so stupid that consumers eventually end up paying for this nonsense. Chip and pin only adds extra protection for an in-person transaction. Most of these credit card breaches are related to online credit card transactions, ...
by jchef
Thu Sep 04, 2014 5:16 pm
 
Forum: Personal Consumer Issues
Topic: Home Depot Breach - zip codes revealed
Replies: 43
Views: 6181

Re: Home Depot Breach - zip codes revealed

Hope this makes the migration to Chip+PIN faster. I am not well-versed in the credit card technologies. From what I read, Chip+PIN would still require some info be stored somewhere (server or not), no? If so, won't hackers still be able to get to it? Thanks! My understanding is that today, the actu...
by jchef
Thu Sep 04, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Home Depot Breach - zip codes revealed
Replies: 43
Views: 6181

Re: Home Depot Breach - zip codes revealed

Believe me, banks want to stop this more than anything else right now. Most of the rest of world switch to EMV many years ago. While switching the US is more complicated than any other country, they still could have done it. They put it off because they felt the cost of fraud was manageable. They a...
by jchef
Thu Sep 04, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Home Depot Breach - zip codes revealed
Replies: 43
Views: 6181

Re: What to do with Canadian cell phone in the U.S.?

The UK phone will also have to be quad band to work in the US. The US and Canada use 850 and 1900 MHz as their GSM frequencies. The rest of the world uses 900 and 1800 MHz. Many phones, including Nisiprius', support all four frequencies. However there are still a small number of phones that only sup...
by jchef
Wed Sep 03, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: What to do with Canadian cell phone in the U.S.?
Replies: 15
Views: 768

Re: What to do with Canadian cell phone in the U.S.?

So, the task now is how to "unlock" the phone. I should have mentioned this earlier, but you probably want to confirm that the phone is locked. Because it's sold by a Canadian cell company it is extremely likely to be locked, but this isn't true 100% of the time. So if you put your Americ...
by jchef
Tue Sep 02, 2014 12:20 pm
 
Forum: Personal Consumer Issues
Topic: What to do with Canadian cell phone in the U.S.?
Replies: 15
Views: 768

Re: What to do with Canadian cell phone in the U.S.?

1) It showed a "3G" symbol most of the time in Canada. According to this site: http://www.cellphones.ca/cell-phones/samsung-s275/specs/ The phone supports both GSM (2G) and UMTS (3G). It's a bit surprising that it supports both. But either way, both of these should work fine on GSM suppor...
by jchef
Tue Sep 02, 2014 11:54 am
 
Forum: Personal Consumer Issues
Topic: What to do with Canadian cell phone in the U.S.?
Replies: 15
Views: 768

Re: LibreOffice Password Proection

Sidney wrote:
OAG wrote:Use Windows 8.1 Pro and Encrypt the entire HD with Windows Bit locker - Just a suggestion to consider. Once done it is transparent requires less work IMO.

But does the encryption survive the trip to Dropbox?

No it doesn't. Using Bitlocker on a machine won't help once the files leave the machine.
by jchef
Tue Sep 02, 2014 11:11 am
 
Forum: Personal Consumer Issues
Topic: LibreOffice Password Proection
Replies: 7
Views: 468

Re: What to do with Canadian cell phone in the U.S.?

Have you unlocked the phone? Most phones sold in Canada will be locked, meaning they will only work on the network you purchased them for. A quick Google search indicates that it can be unlocked, but it isn't cheap. For example, this site says they will do it for $19. (The price is shown after you s...
by jchef
Tue Sep 02, 2014 11:10 am
 
Forum: Personal Consumer Issues
Topic: What to do with Canadian cell phone in the U.S.?
Replies: 15
Views: 768

Re: LibreOffice Password Proection

LibreOffice switched to AES for encryption a while ago. AES is one of the mostly commonly used forms of encryption and it is considered quite safe as long as you use long passwords. OpenOffice also AES. And the new format Microsoft Office files (.docx, .xlsx, etc...) also use AES. The old format Mic...
by jchef
Tue Sep 02, 2014 9:42 am
 
Forum: Personal Consumer Issues
Topic: LibreOffice Password Proection
Replies: 7
Views: 468

Re: Playing Apple Lossless music files on android

I haven't tried it myself, but PowerAmp says that it does. And PowerAmp's main feature is that it doesn't use the Android system for processing music, but instead uses its own code for music processing. There's a 15 day free trial, so you can test it yourself. https://play.google.com/store/apps/deta...
by jchef
Fri Aug 29, 2014 7:31 am
 
Forum: Personal Consumer Issues
Topic: Playing Apple Lossless music files on android
Replies: 9
Views: 938

Re: My first required EMV transaction in the US

MasterCard, VISA, American Express, and Discover have all said that as of October 2015, merchants of point-of-sale transactions will assume full liability for fraudulent magstripe transactions To be precise, this is only true if the customer is using a chip card. There is going to be a big push in ...
by jchef
Sun Aug 17, 2014 10:11 am
 
Forum: Personal Consumer Issues
Topic: My first required EMV transaction in the US
Replies: 9
Views: 1040

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

This has been discussed before but again I want to be sure: OK, so someone cracks my Vanguard (or Fidelity etc) password. Then what? Yeah, they could "sell" a highly appreciated security, incurring big capital gains taxes and create other havoc. But the real risk is that the money gets wi...
by jchef
Sun Aug 10, 2014 8:25 am
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 8225

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

Why wouldn't a given firm use a proprietary hash algorithm? Seems like that would greatly reduce the odds of compromise since the attacker would need more than a bank of fast computers to extract the passwords.They need to know the proprietary hash algorithm. The math behing hash algorithms is comp...
by jchef
Sun Aug 10, 2014 8:16 am
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 8225

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

Good explanation and is why longer passwords are better than shorter ones since they'll have to try more combinations before they get to the right one. But don't they have to do that all over again for every password in the file? So if a site has a million passwords, they'll have to do them all to ...
by jchef
Sat Aug 09, 2014 1:31 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 8225

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

Dumb question (perhaps): Since a website (e.g., Fidelity) will typically flag 3 or more attempts to enter a password (for any given username), how can these programs go through millions and billions of character combinations to find the right one? In other words, what is their test metric? They are...
by jchef
Sat Aug 09, 2014 12:49 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 8225

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

Dumb question (perhaps): Since a website (e.g., Fidelity) will typically flag 3 or more attempts to enter a password (for any given username), how can these programs go through millions and billions of character combinations to find the right one? In other words, what is their test metric? They are...
by jchef
Sat Aug 09, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 8225

Re: It won't matter if your password gets stolen

The way two factor currently works with many systems is that you are allowed to designate certain machines as trusted. These trusted machines are not required to provide the second factor or only need to provide it once a month. And if your device gets lost or stolen, you can usually go online and r...
by jchef
Sat Aug 09, 2014 9:09 am
 
Forum: Personal Consumer Issues
Topic: It won't matter if your password gets stolen
Replies: 20
Views: 2530

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

Dumb question (perhaps): Since a website (e.g., Fidelity) will typically flag 3 or more attempts to enter a password (for any given username), how can these programs go through millions and billions of character combinations to find the right one? In other words, what is their test metric? They are...
by jchef
Sat Aug 09, 2014 9:01 am
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 8225

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

It's disappointing that whoever these companies are don't reveal the password breach to their customers. They might not even know. Being vulnerable to SQL injection implies a very low level of expertise. It sounds like they do know: Hold Security would not name the victims, citing nondisclosure agr...
by jchef
Wed Aug 06, 2014 5:52 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 8225

Re: Cloud Base Password Manager

I use Keepass (portable version) and I store the app and the database in a cloud based drive. It is available to any device that can log into the drive. Would work with any of the cloud services (Google, Amazon, Dropbox ....). I have the Keepass app loaded on my phone so I can also open the db from...
by jchef
Wed Aug 06, 2014 5:45 pm
 
Forum: Personal Consumer Issues
Topic: Cloud Base Password Manager
Replies: 14
Views: 1042

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

On second glance....... over a billion is a big number... population of the earth is maybe 7.5 billion? Deduct a few billion for unconnected folk in China, India, the third world, etc., and a couple billion more for infants, juveniles, the elderly who don't use password sites, etc. Do they have the...
by jchef
Wed Aug 06, 2014 7:44 am
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 8225

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

I'm getting a little fatalistic about this type of thing. I saw no indication in the article that the criminals couldn't just go back into sites again and steal passwords again. I do have unique passwords for every site except the ones I don't care about, and I do check my financial accounts often....
by jchef
Wed Aug 06, 2014 7:10 am
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 8225

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

"This isn't really news to folks who do what we do. People should use strong passwords but they never will. This particular case doesn't affect us directly. " I also found this response odd. From what I understand this gang amassed these passwords by targeting corporate and website databa...
by jchef
Tue Aug 05, 2014 9:35 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 8225

Re: Android smartphone with physical keyboard

As far as predictive software keyboards, I also type in multiple languages - say, one email to my family in French, and one for work in English. This makes the predictive software keyboards extremely annoying, unless I switch the phone language settings back and forth constantly. Although I've neve...
by jchef
Wed Jul 23, 2014 8:55 am
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 44
Views: 3013

Re: Windows 7 going the way of XP?

"What that means in practice is that although you can rest easy knowing that Windows 7 will remain secure until 2020, " That is the important sentence.No need to jump to 8. :happy Exactly. It's been Microsoft's standard for a number of years to offer operating systems 5 years of regular s...
by jchef
Wed Jul 09, 2014 8:57 pm
 
Forum: Personal Consumer Issues
Topic: Windows 7 free support will be ending in 2015
Replies: 27
Views: 2399

Re: Windows 7 going the way of XP?

Microsoft is supporting Windows XP until 2019. Just not retail and business versions. Windows Embedded is a significantly different beast than the regular version of Windows XP. It is an extremely stripped down version of Windows. There is much functionality in the regular version of XP that simply...
by jchef
Wed Jul 09, 2014 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Windows 7 free support will be ending in 2015
Replies: 27
Views: 2399

Re: Google 2 step verification assistance

What about all the google apps I have on my devices? For example my iphone has: mail (ios grabs mail, calendar, etc) gdrive, sheets, docs and YouTube. Would all of those apps need a one time login? Apps created by Google will not normally require app passwords, they will support two factor login. A...
by jchef
Fri Jun 20, 2014 12:33 pm
 
Forum: Personal Consumer Issues
Topic: Google 2 step verification assistance
Replies: 14
Views: 1335

Re: Email service alternatives to MSN hotmail and Gmail?

That never occurred to me! How would such an account get spam protection? Somewhere along the line (either gmail or Apple mail or some other unknown thing in the universe) I get very good spam protection. I hardly ever get any and what I do get ends up in the spam box. If you are forwarding to Gmai...
by jchef
Sun Jun 15, 2014 4:39 pm
 
Forum: Personal Consumer Issues
Topic: Email service alternatives to MSN hotmail and Gmail?
Replies: 22
Views: 2276

Re: Email service alternatives to MSN hotmail and Gmail?

What is wrong with the mail service provided by your (ISP) internet provider? - Ron Many are quite good. One drawback (which doesn't affect some people) is that they are often not portable. If you move, you may have a different ISP and have to start from scratch. Yes. After changing my email twice,...
by jchef
Sun Jun 15, 2014 3:53 pm
 
Forum: Personal Consumer Issues
Topic: Email service alternatives to MSN hotmail and Gmail?
Replies: 22
Views: 2276

Re: Pin and Chip Cards coming to the US

My wife surprised me today at Walmart and used her credit card in a chip slot that I didn't know existed there. No PIN (or even signature as our purchase was small), but a good start. Very glad this is starting to be deployed in the U.S. Walmart announced in April that they had installed Chip termi...
by jchef
Sat Jun 07, 2014 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pin and Chip Cards coming to the US
Replies: 71
Views: 5610

Re: Pin and Chip Cards coming to the US

As I mentioned above ( http://www.bogleheads.org/forum/viewtopic.php?f=2&t=140548#p2081310 ), Chip cards would actually solve the issues of huge databases of card info being stolen from retailers, such as Target. The retailer is not given enough info to create a fraudulent card or transaction. ...
by jchef
Fri Jun 06, 2014 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pin and Chip Cards coming to the US
Replies: 71
Views: 5610

Re: Pin and Chip Cards coming to the US

I may end up declining the chip and pin just as I keep having to decline the continual attempts to upgrade ATM cards to debit cards. Don't be surprised if you aren't able to decline. With the liability shift taking place in October 2015, there's a pretty large incentive for the banks to get the Chi...
by jchef
Fri Jun 06, 2014 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Pin and Chip Cards coming to the US
Replies: 71
Views: 5610

Re: Pin and Chip Cards coming to the US

Right. Chip and pin only provides extra security in a physical transaction with the card. Waiting until 2014 to implement it does about as much good as the TSA at the airport. We already have the legal system and consumer fraud liability problems figured out in the US. Adding chip and pin might pos...
by jchef
Fri Jun 06, 2014 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Pin and Chip Cards coming to the US
Replies: 71
Views: 5610

Re: Pin and Chip Cards coming to the US

How are chip and PIN cards used for online purchases where the card is not present? Much of today's fraud seems to be mass security breaches of retailers' systems ala the recent Target breach. We've had two cards replaced in the past six months due to this. Does transitioning to chip and PIN techno...
by jchef
Fri Jun 06, 2014 5:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Pin and Chip Cards coming to the US
Replies: 71
Views: 5610

Re: Pin and Chip Cards coming to the US

It says in the FAQ, "At merchants who have chip-enabled terminals, insert the chip portion of your Card in the chip-enabled terminal, and sign to authorize the transaction." What's the chip portion? Is that the little silver colored rectangle? This is the Chip: http://www.virginmedia.com/...
by jchef
Thu Jun 05, 2014 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pin and Chip Cards coming to the US
Replies: 71
Views: 5610

Re: Pin and Chip Cards coming to the US

I may end up declining the chip and pin just as I keep having to decline the continual attempts to upgrade ATM cards to debit cards. Don't be surprised if you aren't able to decline. With the liability shift taking place in October 2015, there's a pretty large incentive for the banks to get the Chi...
by jchef
Thu Jun 05, 2014 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pin and Chip Cards coming to the US
Replies: 71
Views: 5610

Re: Pin and Chip Cards coming to the US

PINs cannot be changed on current US cards, due to lack of infrastructure. PINs can usually be changed on non-US chip & pin cards (although not in the US). US law does not differentiate between signature cards and chip & pin cards in terms of fraud protection. In Canada, PINs for bank issue...
by jchef
Thu Jun 05, 2014 7:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pin and Chip Cards coming to the US
Replies: 71
Views: 5610

Re: Listen to ebooks -- How?

You can pick up a cheap MP3 player from any of the larger stores, download the books to that I put them onto my android phone, along with say a TV series to watch when on the bus or plane That's what I'll do. Thanks Paul If the library books are under copyright that is unlikely to work. Overdrive l...
by jchef
Sun May 25, 2014 5:19 pm
 
Forum: Personal Consumer Issues
Topic: Listen to ebooks -- How?
Replies: 17
Views: 1609

Re: Windows XP users

tennisplyr wrote:So I'd I don't use Internet Explorer this is a non issue?

Basically, yes.

But there is always risks that if another machine on a network you are connected to is infected by this exploit, that machine may try to infect your machine using a different exploit.
by jchef
Mon Apr 28, 2014 6:23 am
 
Forum: Personal Consumer Issues
Topic: Windows XP users
Replies: 223
Views: 49076
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