Search found 873 matches

by azurekep
Tue Oct 17, 2017 11:03 pm
Forum: Personal Consumer Issues
Topic: How did you rise into the Executive Ranks?
Replies: 13
Views: 2176

Re: How did you rise into the Executive Ranks?

OP - It's probably too far out in the future, but if you get high enough where you have to make decisions that involve ethical considerations, do something that is almost unknown in the corporate world: do the right thing. That can make your company different from the rest. Customers will flock to y...
by azurekep
Tue Oct 17, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 51
Views: 3985

Re: WPA2 protocol used by vast majority of wifi connections has been broken

In all likelihood any hacker would probably target a small business or doctors/ medical place before an individual home or even apartment. . Who knows. I figure hackers have to start somewhere and they might go for the low-hanging fruit first. Like a doctor living in a nearby, affluent neighborhood...
by azurekep
Tue Oct 17, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 51
Views: 3985

Re: WPA2 protocol used by vast majority of wifi connections has been broken

In the past, I have seen detailed maps of router locations in residential areas. I looked up my own neighborhood and saw the SSIDs and/or router types of some of my neighbors. Based on some of the SSID names, I got the feeling some of these residents were not tech-savvy since the SSIDs included thei...
by azurekep
Tue Oct 17, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Issue freezing credit reports with 2 out of 3 credit reporters. Help????
Replies: 6
Views: 616

Re: Issue freezing credit reports with 2 out of 3 credit reporters. Help????

Aside from the other help already given, you can try the online freeze site using different browsers and computers.

Also, some credit bureau sites are "moody" when it comes to VPNs. Sometimes they'll work, sometimes not.
by azurekep
Mon Oct 16, 2017 8:25 pm
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 51
Views: 3985

Re: WPA2 protocol used by vast majority of wifi connections has been broken

SittingOnTheFence wrote:
Mon Oct 16, 2017 8:21 pm

I've read that this vulnerability has been known for a number of months to give vendors time to fix it. The release of the publicly undisclosed vulnerability was timed to this past weekend.
I bet Equifax is behind the release.

They'll do anything to get out of the news. :twisted:
by azurekep
Mon Oct 16, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 51
Views: 3985

Re: WPA2 protocol used by vast majority of wifi connections has been broken

The protocol I've developed after seeing my own and others' mistakes in networking (including mistakes by my ISP) is that if I don't thoroughly understand the technology and keep on top of it, and I don't "really" need it, I disable it. Thus, for home networking, I have had wi-fi disabled for quite ...
by azurekep
Mon Oct 16, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Circumstances in which a freeze needs to be lifted
Replies: 34
Views: 2388

Re: Circumstances in which a freeze needs to be lifted

Call your auto insurance company. It varies from state to state whether credit scores are used in determining premiums. I will have to call Travelers when I get a chance and see if they can provide some info about this. Hopefully I'll be okay for a while because the policy renewed within the past w...
by azurekep
Sun Oct 15, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2616
Views: 832844

Re: What Book Are You Currently Reading? Part VI

Silent Witness by Richard North Patterson Engrossing coming-of-age story in a small Midwest town in the 60's involving two high school athletes, Tony and Sam, who are best friends and rivals. Things turn dark when Tony's girlfriend is brutally murdered in a park, shortly after the couple's first-ev...
by azurekep
Sun Oct 15, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 48
Views: 3057

Re: Amazon Prime - Decline in Delivery Service?

I'm not a Prime member but I've found that a lot of normal (i.e., non-Prime orders) come sooner than expected. So while that says nothing about Prime, it does say that non-Prime members don't necessarily get punished for not succumbing to Bezos' pressure tactics.
by azurekep
Sun Oct 15, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Circumstances in which a freeze needs to be lifted
Replies: 34
Views: 2388

Re: Circumstances in which a freeze needs to be lifted

My auto insurance policy recently renewed, but it was before I placed the freeze. So, say about this time next year, if I stick with the same company and just wait for my renewal policy, will there be a problem like mentioned above? I realize it may differ by auto insurance company, but otherwise i...
by azurekep
Sat Oct 14, 2017 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Annuities - how does insurance company know you died?
Replies: 49
Views: 2538

Re: Annuities - how does insurance company know you died?

Very interesting question, one I hope many entities including SS Administration, Veterans Affairs, pensions, and insurance companies have answers for. An interesting read (pdf): "Stopping Improper Payments to Deceased Annuitants". https://www.opm.gov/our-inspector-general/office-of-legal-and-legisl...
by azurekep
Sat Oct 14, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 6771

Re: How long for hedonic adaptation to set in?

It occurs to me that for some purchases that are hard to reverse, perhaps it would be a good idea to figure out a way to test them before committing. The question then becomes how long it will take for any initial increases in happiness to wear off? I think you may be asking the wrong question. I t...
by azurekep
Sat Oct 14, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: How to secure your website?
Replies: 9
Views: 677

Re: How to secure your website?

Websites work just fine without javascript. It would be great to reverse the trend of javascript use / overuse to protect websites, their owners and their users. Javascript isn't even needed for the Bogleheads Forum unless you want to use emoticons and haven't memorized the individual codes. (Yes, d...
by azurekep
Sat Oct 14, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 1739

Re: Earplugs that work on low frequency noise?

I don't understand the physics but my experience has been that not much helps block low frequency sound. I have tinnitus and hearing loss at high frequencies. I can hear low frequency sounds from longer distance than my spouse. Ear plugs do not seem to make any difference for me - maybe the sound v...
by azurekep
Fri Oct 13, 2017 8:47 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6304

Re: Asking for discounts

Earlier today, I took my 20-year old Honda Civic for an annual state inspection. A guy in the shop where I usually do it said that Civic will not pass the inspection because the headlights are cloudy and have to be cleaned from inside. I asked how much it will cost. He said $45 each headlight. I as...
by azurekep
Fri Oct 13, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 1739

Re: Earplugs that work on low frequency noise?

I've used the disposable foam earplugs by AOSafety. These yellow plugs are rated NRR 29dB and work fantastically for blocking out low-frequency noise. And I mean they really really work. The hardware store then shifted to the 3M earplugs, similarly rated. I've found these orange plugs to be less ef...
by azurekep
Fri Oct 13, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: Voiceprint technology (for authentication)
Replies: 24
Views: 1259

Re: Voiceprint technology (for authentication)

I am talking about the case when somebody who has your Equifax hacked data calls the Fidelity and is in position to answer *all* the questions that Fidelity rep will ask him. The person has "forgotten" the password for the account and the phone connection is not the best one as he is probably calli...
by azurekep
Fri Oct 13, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Voiceprint technology (for authentication)
Replies: 24
Views: 1259

Re: Voiceprint technology (for authentication)

I don't think most of you are getting it at all. It does not matter if the technology being used is voice-print or chip embedded in your cranium. The issue is what is the fallback mechanism? That fallback mechanism has hole large enough to drive truck through after Equifax hack. Nobody is talking a...
by azurekep
Fri Oct 13, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 1739

Re: Earplugs that work on low frequency noise?

I use a combo of white noise from a mechanical fan and a recording of rain intended for that purpose plus foam ear plugs and it takes a lot to disturb my sleep. However, if there is loud noise nearby, you will probably still hear it. I use the 3M classic E-A-R plugs because they fit my ear canals w...
by azurekep
Thu Oct 12, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Voiceprint technology (for authentication)
Replies: 24
Views: 1259

Re: Voiceprint technology (for authentication)

"...bank allowed me seven attempts to mimic my brother's voiceprint ..." I don't find that particularly surprising or alarming. With the disclaimer that this is all surmise: I'd expect the match wouldn't be a binary match/nomatch kind of thing. Your voice varies depending on whether you have a cold...
by azurekep
Thu Oct 12, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: Voiceprint technology (for authentication)
Replies: 24
Views: 1259

Re: Voiceprint technology (for authentication)

Avoid. One more thing to steal. Biometrics suck for this reason. Will you change your voice after this is hacked? My fingerprints and all personal data were stolen from a large federal database. I have a year of free credit monitoring. Pretty sure my fingerprints will stay the same long after that....
by azurekep
Thu Oct 12, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Anyone else using HTTPS Everywhere or similar?
Replies: 16
Views: 1308

Re: Anyone else using HTTPS Everywhere or similar?

I've been thinking of using Https Everywhere by EFF or a similar product. Does anyone have any recommendations, cautions or suggestions? Here's the link for Https Everywhere: https://www.eff.org/https-everywhere You should absolutely use it. The EFF is one of the few organizations that actually car...
by azurekep
Thu Oct 12, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Voiceprint technology (for authentication)
Replies: 24
Views: 1259

Re: Voiceprint technology (for authentication)

A voiceprint cannot be "socially engineered". That's one of the appeals. But if the voiceprint fails, isn't it just back to a regular authentication challenge? I suppose one way to view it is that the lowest hanging fruit will always be picked first. If an imposter fails to get through voiceprint, ...
by azurekep
Wed Oct 11, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: Voiceprint technology (for authentication)
Replies: 24
Views: 1259

Voiceprint technology (for authentication)

At least two major brokerages are now offering voiceprint technology as part of their authentication process. Back in 2011, some Bogleheads seemed a bit skeptical of Vanguard's voiceprint system, fearing it was hackable, spoofable or otherwise unrelaible. Has voiceprint technology progressed to the ...
by azurekep
Wed Oct 11, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: A good value wine I found...
Replies: 22
Views: 2508

Re: A good value wine I found...

Better drink up before a hacker drains it!
by azurekep
Wed Oct 11, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 6310

Re: Fidelity Security

I was reading some threads from 2011 (I think) about Vanguard's voiceprint system. At the time, people were skeptical about it and claiming it probably was hackable/spoofable. Has voiceprint technology come far enough in six years that it truly is trustworthy? It's hard to imagine both Vanguard and ...
by azurekep
Tue Oct 10, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: What specific changes have you made post-Equifax?
Replies: 51
Views: 3691

Re: What specific changes have you made post-Equifax?

Today I did get get online with the bank and enable alert for any transfers and balance alerts. Good to hear. I do have the dedicated laptop now, (I did not until this year when I had to get a new one)but cannot take credit for knowing to do this. There is a poster who I believe is on this site who...
by azurekep
Tue Oct 10, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: What specific changes have you made post-Equifax?
Replies: 51
Views: 3691

Re: What specific changes have you made post-Equifax?

Thank you very much for your reply. I am going to look into these suggestions, especially at my bank. Also, I will try reading more threads on this site related to this matter. It would be much easier if I didn’t have to check my accounts or change my passwords so often—so if it is doing no good or...
by azurekep
Mon Oct 09, 2017 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: What specific changes have you made post-Equifax?
Replies: 51
Views: 3691

Re: What specific changes have you made post-Equifax?

I check my balance every day. I think most people will advise against that. If you can do your banking/financial activities on a separate computer or in a VM (virtual machine), that would be preferable. Then, just log in when you need to. There apparently also is a "banking mode" in browsers, I thi...
by azurekep
Mon Oct 09, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Technical (Computer) Issue Accessing Equifax Security Freeze Page
Replies: 6
Views: 597

Re: Technical (Computer) Issue Accessing Equifax Security Freeze Page

That happened to me once. The ISP swore it was the site I was trying to access. The website swore it was the ISP. This went on for weeks. To top it off, it was a site I had been accessing without trouble for virtually every day. What finally resolved it was getting a new router. That was a pretty e...
by azurekep
Sun Oct 08, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Chase credit card question
Replies: 22
Views: 1796

Re: Chase credit card question

My point is a joint account requires signature of both parties even for checking or saving accounts. See https://www.fdic.gov/deposit/diguidebankers/documents/joint_accounts.pdf So the person you are talking about either explicitly signed the form physically or electronically in order to be an acco...
by azurekep
Sun Oct 08, 2017 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Chase credit card question
Replies: 22
Views: 1796

Re: Chase credit card question

Also if the person did not apply for the card, he/she cannot be the account holder. H1 and spouse always did things jointly, so if there was a way to sign up for a joint credit card, they would have done it. If what you're saying is true and there are no joint cards (see my definition in next sente...
by azurekep
Sun Oct 08, 2017 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Chase credit card question
Replies: 22
Views: 1796

Re: Chase credit card question

I am mystified what makes this whole situation so cloak-and-dagger that H1 can't find out by talking to his spouse or by calling Chase. Is there a good reason why H1 wants to close this account without his/her spouse being in the loop? H1's spouse is deceased. The normal course of action would have...
by azurekep
Sun Oct 08, 2017 5:54 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 14655

Re: Virtual Private Networks (VPNs)

Cyberstalking Suspect Arrested After VPN Providers Shared Logs With the FBI https://www.purevpn.com/privacy-policy.php So much for not maintaining logs... It appears it may be more complicated than that. In a Reddit thread, the case is being made that PureVPN used its connection logs (which they fr...
by azurekep
Sun Oct 08, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Chase credit card question
Replies: 22
Views: 1796

Re: Chase credit card question

Re: ordering credit reports, do the reports contain SSN and account numbers? I'd hate for that information to be sent through the mail.

Can the reports be viewed securely online as an option?
by azurekep
Sun Oct 08, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Chase credit card question
Replies: 22
Views: 1796

Re: Chase credit card question

One can call Chase and ask. Chase Sapphire has no phone trees with a real person answering the phone right away. Also if the person did not apply for the card, he/she cannot be the account holder. Chase Sapphire also responds to their "Secure Messages" system and I have often used this method when ...
by azurekep
Sun Oct 08, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Chase credit card question
Replies: 22
Views: 1796

Re: Chase credit card question

dbr wrote:
Sun Oct 08, 2017 1:20 pm
I suspect Chase is proving difficult to work with for you because you are trying to do something you shouldn't be doing.
Chase hasn't been contacted on this. By "difficult to work with", I'm referring to the "lost years" dealing with them in the past.
by azurekep
Sun Oct 08, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Chase credit card question
Replies: 22
Views: 1796

Re: Chase credit card question

123 wrote:
Sun Oct 08, 2017 12:50 pm
The hypothetical person could request a free copy of one (or all) of his credit reports and see if they list the credit card as a liability for him.
That sounds like a good option. Thanks.

Edit: Thanks too to TropikThunder for amplifying on what is shown on the credit report.
by azurekep
Sun Oct 08, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Chase credit card question
Replies: 22
Views: 1796

Re: Chase credit card question

Also if the person did not apply for the card, he/she cannot be the account holder. H1 and spouse always did things jointly, so if there was a way to sign up for a joint credit card, they would have done it. If what you're saying is true and there are no joint cards (see my definition in next sente...
by azurekep
Sun Oct 08, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Chase credit card question
Replies: 22
Views: 1796

Re: Chase credit card question

Does the card have a low balance or a low credit limit? Could H1 pay off the balance and close the account? Why does H1 want to keep this account open? Does he have other credit cards? H1 wants to continue using the card only because it has proven to be a reliable backup. The main card he uses (thr...
by azurekep
Sun Oct 08, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Chase credit card question
Replies: 22
Views: 1796

Chase credit card question

Say a hypothetical person (H1) has a Sapphire credit card with Chase. These are the questions: 1. How does H1 know whether he is a joint account holder or an authorized user? 2. If H1 cannot access the credit card account online except for using spouse's logon, is that a sure-fire clue that H1 is on...
by azurekep
Sat Oct 07, 2017 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freezes and Deceased Persons
Replies: 7
Views: 814

Re: Credit Freezes and Deceased Persons

Maybe the answer to the question about how to check for a freeze on a deceased person's credit was too obvious but I don't know what it is All you can do is try placing a freeze on the account. If it goes through, that means there wasn't a freeze already on the account. If it won't go through, you'...
by azurekep
Sat Oct 07, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2616
Views: 832844

Re: What Book Are You Currently Reading? Part VI

Sleight of Hand by Phillip Margolin Book 4 of Brad Miller & Dana Cutler series (No Brad Miller in this book) A clever criminal defense lawyer murders a millionaire's wife, frames the husband for the murder, then gets himself hired on as defense counsel. In the meantime, private investigator Dana Cu...
by azurekep
Sat Oct 07, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7410

Re: Do you want your receipt?

mickeyd wrote:
Sat Oct 07, 2017 3:35 pm
I always demand a receipt and check them against the monthly statement. How else can you check for fraud accurately?
Exactly.

Though I also like ResearchMed's idea of demonstrating to a clerk that one is on top of all their receipts, indicating a degree of vigilance.
by azurekep
Sat Oct 07, 2017 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freezes and Deceased Persons
Replies: 7
Views: 814

Re: Credit Freezes and Deceased Persons

Whether death was recent or many years ago....how would one check if the deceased person's credit was frozen? OP here. That's partly why I'm asking the question. I tried a freeze at four of the credit bureaus. Two went through, two said they couldn't be processed. I was a bit surprised that the res...
by azurekep
Sat Oct 07, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Technical (Computer) Issue Accessing Equifax Security Freeze Page
Replies: 6
Views: 597

Re: Technical (Computer) Issue Accessing Equifax Security Freeze Page

Before I do that, does anyone else have any wild guesses as to why a single solitary website might be inaccessible from a standard DSL connection? That happened to me once. The ISP swore it was the site I was trying to access. The website swore it was the ISP. This went on for weeks. To top it off,...
by azurekep
Fri Oct 06, 2017 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freezes and Deceased Persons
Replies: 7
Views: 814

Credit Freezes and Deceased Persons

I've read that the Social Security Administration reports deaths to the credit bureaus but that it can take months.

Let's assume a death has occured two years ago. Is it still necessary to put a freeze on the deceased's account or even to inform the credit bureaus of the death?
by azurekep
Fri Oct 06, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity: can no longer use first initial, middle name
Replies: 30
Views: 2508

Re: Fidelity: can no longer use first initial, middle name

I personally have a strong preference to have my name presented in a form with no honorific at all, yet dozens of websites force me to choose from a list (Mr/Ms/Mrs/Miss/Dr/Rev, etc. etc.), do not offer a "none" option, and will not accept the form unless I pick one. I ran into that the other day o...
by azurekep
Thu Oct 05, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity: can no longer use first initial, middle name
Replies: 30
Views: 2508

Re: Fidelity: can no longer use first initial, middle name

I personally have a strong preference to have my name presented in a form with no honorific at all, yet dozens of websites force me to choose from a list (Mr/Ms/Mrs/Miss/Dr/Rev, etc. etc.), do not offer a "none" option, and will not accept the form unless I pick one. I ran into that the other day o...
by azurekep
Wed Oct 04, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Where/when to get good deals on athletic shoes
Replies: 24
Views: 1348

Re: Where/when to get good deals on athletic shoes

A consideration many people are not aware of: Running (athletic) shoes begin to lose their cushioning ability as soon as they leave the factory. The sophisticated forms of rubber in their various layers begin deteriorating and eventually become fairly useless. I've learned (the hard way) to avoid b...