Search found 215 matches

by SpaethCo
Tue May 26, 2020 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Investors: be aware of weakness in 2FA + strengthening
Replies: 153
Views: 8515

Re: Investors: be aware of weakness in 2FA + strengthening

L82GAME wrote:
Tue May 26, 2020 7:20 pm
Doesn’t a physical token eliminate the risk associated with phishing attacks?
Only U2F security keys, because those provide 2-way validation.

If it's just a physical token that spits out codes like an RSA token, then no.
by SpaethCo
Tue May 26, 2020 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Investors: be aware of weakness in 2FA + strengthening
Replies: 153
Views: 8515

Re: Investors: be aware of weakness in 2FA + strengthening

I also believe that app-based two-factor authentication is technically less vulnerable to phishing attacks than SMS-based two-factor authentication. After all, if time is not a factor, why should the codes expire at all? TOTP doesn't provide security because of the rolling codes. It provides securi...
by SpaethCo
Wed May 20, 2020 2:04 pm
Forum: Personal Consumer Issues
Topic: Apple iPad vs Notebook
Replies: 43
Views: 1972

Re: Apple iPad vs Notebook

So exactly what is the cellular option needed for if you can simply use the hotspot on the phone? If this intended for folks who don't have the internet (albeit 99.9% I'm sure do)? It makes the iPad completely self sufficient on the cellular network. Think about using the iPad as a credit card / re...
by SpaethCo
Wed May 20, 2020 2:00 pm
Forum: Personal Consumer Issues
Topic: Apple iPad vs Notebook
Replies: 43
Views: 1972

Re: Apple iPad vs Notebook

I do simple surfing, emails (which is minimal anymore), text, and saving a few documents . All pictures, music, and movies are on iCloud. No code or advanced things. I was thinking (if it is possible) that the next replacement for my MacBook Pro would be an iPad (I have an older iPad), and I could ...
by SpaethCo
Wed May 20, 2020 12:43 pm
Forum: Personal Consumer Issues
Topic: Apple iPad vs Notebook
Replies: 43
Views: 1972

Re: Apple iPad vs Notebook

Has the iPad been able to replace the Mac just yet? The latest iPads have keyboard covers that can be added - that completely changes the usability of the device. The very latest iPad Pro added a keyboard accessory with laptop-style key travel, backlit keys, and an integrated track pad. The biggest...
by SpaethCo
Wed May 13, 2020 12:36 pm
Forum: Personal Consumer Issues
Topic: Where do you back up your important data?
Replies: 102
Views: 5107

Re: Where do you back up your important data?

OK, I admit this is more likely than a thief making off with my heavy, bulky desktop PC and my external backup drive, but still highly unlikely. If your external drive is regularly powered up, one of your biggest exposures is to ransomware (ie, CryptoLocker, WannaCry). That malware starts overwriti...
by SpaethCo
Wed May 13, 2020 9:46 am
Forum: Personal Consumer Issues
Topic: Where do you back up your important data?
Replies: 102
Views: 5107

Re: Where do you back up your important data?

PlayingLife wrote:
Tue May 12, 2020 6:22 pm
External drive in a fireproof safe
Fire safes are rated to keep the temperature below a certain threshold for a certain amount of time. (ie, below 400F for an hour)

Paper can typically can go up to 350F without damage; hard drives start to get questionable above 125F.
by SpaethCo
Tue May 12, 2020 5:07 pm
Forum: Personal Consumer Issues
Topic: Where do you back up your important data?
Replies: 102
Views: 5107

Re: Where do you back up your important data?

Cloud storage primary. (Google Drive/Onedrive/Dropbox/etc) These services ensure data integrity by storing files with a verification record (shasum) that ensures the file you upload is the same file you get back. Loss can be immediately detected by the platform if this value doesn't match, and most...
by SpaethCo
Mon May 11, 2020 4:20 pm
Forum: Personal Investments
Topic: Ally Bank 1.25% savings .50 Moneymarket
Replies: 26
Views: 3665

Re: Ally Bank 1.25% savings .50 Moneymarket

hope you're right (about the little later) . I have funds fleeing HYS drop from 1.5% to 1.3% to what I thought was Ally 1.5% (but now 1.25%). Need a couple more days to get into NP CD. You can open the account right now with $0 and as long as the funds post before the 10 day guarantee window closes...
by SpaethCo
Sun Apr 19, 2020 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: I don’t need to file anything on April 15,2020, right?
Replies: 22
Views: 3061

Re: I don’t need to file anything on April 15,2020, right?

Yes, I did. My reason was if my stimulus check gets based on my 2019 return, I will receive zero, but if they base it on my 2018 return, I'll get some money. Did I do something wrong? I understand I have until July 15, 2020 to file it, but I plan to file it immediately after I receive the stimulus....
by SpaethCo
Thu Apr 02, 2020 12:33 pm
Forum: Personal Consumer Issues
Topic: Replacing Cable TV with Streaming: Critical Analysis
Replies: 86
Views: 5565

Re: Replacing Cable TV with Streaming: Critical Analysis

What are you talking about? I started with DirecTV Now (streaming...NOT satellite) which ATT bought and is now ATT Now for streaming There is no contract , I can cancel anytime. ATT has multiple streaming properties. It’s a mess. Below are just the ATT TV variants, not to even mix in all the HBO Go...
by SpaethCo
Thu Apr 02, 2020 9:41 am
Forum: Personal Consumer Issues
Topic: Replacing Cable TV with Streaming: Critical Analysis
Replies: 86
Views: 5565

Re: Replacing Cable TV with Streaming: Critical Analysis

YoutubeTV + a medium tier cable internet package. Should be under $120/month, and do everything your current cable tv does, but better. It's a cable tv interface built by some of the world's best software engineers rather than a cable tv company. You get up to 5 different accounts (don't even need ...
by SpaethCo
Sun Mar 29, 2020 10:44 am
Forum: Personal Finance (Not Investing)
Topic: How long before online savings get close to 0%?
Replies: 18
Views: 2507

Re: How long before online savings get close to 0%?

The best resource for this is https://www.depositaccounts.com -- they have data for a number of different accounts. It wasn't until 2013 that rates really bottomed for online savings. For example, Alliant Credit Union fell all the way to 0.7%: https://live.staticflickr.com/65535/49712996182_49fba5a4...
by SpaethCo
Thu Mar 26, 2020 7:07 pm
Forum: Personal Consumer Issues
Topic: Amazon Glacier cloud stoarge? Any experience?
Replies: 25
Views: 1744

Re: Amazon Glacier cloud stoarge? Any experience?

I do offsite backup from NAS using restic and have settled on Backblaze B2: https://www.backblaze.com/b2/cloud-storage-pricing.html $0.005 per GB per month. (first 10GB free) $0.01 per GB downloaded, but you get 1 GB free every day. This is enough download to be able to do a "restic check" on a regu...
by SpaethCo
Wed Mar 18, 2020 1:35 pm
Forum: Investing - Theory, News & General
Topic: What will happen if Stock markets are closed?
Replies: 6
Views: 643

Re: What will happen if Stock markets are closed?

I think it's a different situation than markets being closed because you can't fix data circuits or get people to the exchanges due to rubble (9/11) or other accessibility issues (H. Sandy), where the reason for closing is infrastructure related and the timeline to reopen isn't vague. If you close m...
by SpaethCo
Mon Mar 09, 2020 9:01 am
Forum: Personal Consumer Issues
Topic: Improving online security
Replies: 69
Views: 4164

Re: Improving online security

Doesn't changing the VPN to various distant sites also add to security levels? There isn't much that isn't encrypted by default these days, so a VPN is simply encrypting already encrypted traffic. Where a VPN starts to work against you is that it invalidates "infeasible travel" detection algorithms...
by SpaethCo
Mon Mar 09, 2020 1:28 am
Forum: Personal Consumer Issues
Topic: Improving online security
Replies: 69
Views: 4164

Re: Improving online security

Really, that's most of it right there. You wanna talk 80/20 rule then there ya go. Just use a password manager. Now there's also some other basics you have to do. Keep your software updated on your computers and mobile devices - most update automatically nowadays so this is easy. If you're on Windo...
by SpaethCo
Mon Feb 24, 2020 12:10 am
Forum: Investing - Theory, News & General
Topic: "Researchers Compared Vanguard And Fidelity Funds. Here's What They Found"
Replies: 41
Views: 4615

Re: "Researchers Compared Vanguard And Fidelity Funds. Here's What They Found"

When I opened my Fidelity taxable account, I was asked to choose which of two money market funds to use as my settlement fund. One was SPAAX, and the other was FZFXX Fidelity Treasury Money Market Fund which is entirely made up of US Government obligations. If you care about state taxes, why did yo...
by SpaethCo
Sun Feb 23, 2020 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Online bank recommendations
Replies: 32
Views: 2765

Re: Online bank recommendations

A good resource for online banks is https://www.depositaccounts.com The big thing to watch out for is transfer limits and funds availability. There have been a number of financial institutions that used high interest rates to attract deposits and then limited ACH withdrawals to low limits like $2500...
by SpaethCo
Wed Feb 05, 2020 8:47 pm
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 161
Views: 11336

Re: Cybersecurity and passwords

But this is confusing me - some sites suggest using passphrases such as preachy glutton legislate shorter monsoon author while other sites say to never use actual words. Passphrases are a great way to get the character count up, but where they become a problem is if they reveal a system. We’re not ...
by SpaethCo
Mon Feb 03, 2020 7:59 pm
Forum: Personal Consumer Issues
Topic: What's the difference between Uber and Lyft?
Replies: 63
Views: 5316

Re: What's the difference between Uber and Lyft?

Also how much better is a UberX over Comfort? Other way around. UberX is the baseline cheap service. You won't get a junky car, and in fact they can be quite decent Comfort just guarantees that you get a driver with a newer, nicer car. Comfort has 2 key requirements: 1) Restrictive set of larger mo...
by SpaethCo
Thu Jan 30, 2020 8:44 pm
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 161
Views: 11336

Re: Cybersecurity and passwords

However I stick by my point that the risk is not that someone will turn great processing power to cracking OPs passwords. No one will bother, because they'll be going after a utility company, a credit union, or a password manager, etc. Wrong again. https://www.lookingglasscyber.com/blog/thwart-rain...
by SpaethCo
Thu Jan 30, 2020 6:43 am
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 161
Views: 11336

Re: Cybersecurity and passwords

The reality, which cannot be dismissed so casually, is that stolen password databases are exactly what the average user needs to worry about. Because they happen all the time: reports of new breaches are now so commonplace that we barely notice them.* And cracking hashes easily lends itself to mass...
by SpaethCo
Sun Jan 26, 2020 5:28 pm
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 161
Views: 11336

Re: Cybersecurity and passwords

Even if SMS based 2FA is just another bicycle lock, having 2 types of bicycle locks is significantly better than one, especially when the first bicycle lock is a password. The primary attack vector that SMS / TOTP guards against is credential stuffing. If you're using a password manager with site-u...
by SpaethCo
Sun Jan 26, 2020 4:41 pm
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 161
Views: 11336

Re: Cybersecurity and passwords

But...the level of effort required to both break the second factor and your password at the same time makes it orders of magnitude more difficult for a bad guy to access your account than if you don’t use 2FA. You can assume that if it’s a successful 2FA attack, you we’re personally targeted. That ...
by SpaethCo
Sun Jan 26, 2020 3:25 pm
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 161
Views: 11336

Re: Cybersecurity and passwords

A password manager accomplishes 2 things: complex site-unique passwords, and site validation with autofill. The average person will type their password into a clever phishing site with an official looking domain, a password manager won't. 2FA is primarily useful if you have weak passwords. It is pri...
by SpaethCo
Fri Dec 27, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: Citi double cash maximization
Replies: 24
Views: 2747

Re: Citi double cash credit card

Another consideration, if you opt to stay with cash back, is either transfer the rewards to your bank account or get a check sent. Crediting rewards to your statement is deducted from the "additional 1% as you pay for those purchases." It's a small amount depending on your utilization of the card, ...
by SpaethCo
Fri Nov 15, 2019 12:12 am
Forum: Personal Consumer Issues
Topic: Is LastPass still top in security, any reason to switch?
Replies: 47
Views: 5710

Re: Is LastPass still top in security, any reason to switch?

It's open source, thus the code has lots of eyeballs auditing it. I don't really trust closed source software, especially for security. I agree in spirit, but open source isn’t magic. OpenSSL still had Heartbleed. Bash had been open source for over 2 decades and you still had ShellShock. Those were...
by SpaethCo
Thu Nov 14, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 5483

Re: (Sigh) "Wasting" year-old smoke detector batteries...

https://live.staticflickr.com/65535/49066411612_99252c7b53.jpg Self-tests the batteries, get notifications when it’s time to replace. Can silence the alarm through the app, or get notifications anywhere with an Internet connection if the alarm is going off at my house. It even self-tests the speake...
by SpaethCo
Mon Nov 11, 2019 10:43 pm
Forum: Personal Consumer Issues
Topic: [Cellphone SIM card hijacking - Security concerns and mitigation techniques]
Replies: 252
Views: 33987

Re: Man’s life savings stolen from hijacked cellphone number

“On a scale of 1 to 10, I’d say my security protections were a 9.8 or higher,” he said. “But these hackers, all they do is they sit around in a basement and figure out ways of hacking people.” This is the quote I have the biggest issue with. If you can do an account recovery via SMS on *ANY* of you...
by SpaethCo
Mon Nov 11, 2019 12:43 am
Forum: Investing - Theory, News & General
Topic: Index Funds Bubble? [Michael Burry article]
Replies: 254
Views: 33364

Re: Index Funds Bubble? [Michael Burry article]

Despite all his complaining about potential pitfalls of ETF's and indexing, he didn't seem to offer much in the way of suggestions as to what he thought was a superior way to invest it stocks. He addressed that in another part of the interview that was split into yet another video: https://www.yout...
by SpaethCo
Sun Nov 10, 2019 11:00 pm
Forum: Investing - Theory, News & General
Topic: Index Funds Bubble? [Michael Burry article]
Replies: 254
Views: 33364

Re: Index Funds Bubble? [Michael Burry article]

https://www.youtube.com/watch?v=Ih7bWOSwECU This interview with Steven Bregman popped up on my Youtube list this week, and it seems like it fills out more of the background behind Burry's claim. One interesting takeaway for me is that index weighting isn't as straightforward as I previously believed.
by SpaethCo
Sat Nov 09, 2019 7:48 pm
Forum: Personal Consumer Issues
Topic: Hard Wired smoke alarms. Recommendations.
Replies: 49
Views: 3619

Re: Hard Wired smoke alarms. Recommendations.

I loaded up on Nest Protect smoke alarms last year as part of a Black Friday $75ea sale. https://store.google.com/us/product/nest_protect_2nd_gen_specs?hl=en-US Combo ionization & photoelectric smoke sensor Humidity sensor to apply logic to prevent steam from triggering the alarm CO sensor included ...
by SpaethCo
Mon Oct 28, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: Universal Orlando for 4 days
Replies: 27
Views: 1455

Re: Universal Orlando for 4 days

I am not sure what is front of the line but I will look. I just looked for the premium resort I think that said the word harry potter train ride included when I was researching resorts last night. The Hogwart's Express (the train) connects Islands of Adventure to Universal Orlando. You don't need t...
by SpaethCo
Mon Oct 28, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: Wi-Fi Calling on AT&T
Replies: 17
Views: 1387

Re: Wi-Fi Calling on AT&T

If I am out and about, and wi-fi calling is turned on, and I have a good wi-fi signal, but I also have a strong cell phone signal, will my calls default to cell phone service? Or will those calls default to wi-fi calling? While other carriers offer choice, ATT has programming instructions locked do...
by SpaethCo
Mon Oct 28, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: Universal Orlando for 4 days
Replies: 27
Views: 1455

Re: Universal Orlando for 4 days

We stayed at Portofino Bay last year, and if you're going to be there a short time it's a great way to go. Universal is a much smaller park, so it's easier to navigate than Disney. Using the ferry boats was awesome for our trip, security was a breeze, and I feel like we got a ton of value out of sta...
by SpaethCo
Thu Oct 24, 2019 9:53 pm
Forum: Personal Consumer Issues
Topic: Is Google Drive enough for me?
Replies: 64
Views: 4266

Re: Is Google Drive enough for me?

It sounds like you’re using Google Drive for syncing, which means that any bit rot or file corruption is going to get propagated up to GD. Remember sync is not a backup so that doesn’t count. Google Drive File Stream lets you mount your gdrive as a caching network drive. Honestly, if you're not doi...
by SpaethCo
Thu Oct 24, 2019 8:42 pm
Forum: Personal Consumer Issues
Topic: Is Google Drive enough for me?
Replies: 64
Views: 4266

Re: Is Google Drive enough for me?

I use my own external hard drives for backup. They are cheap. I would never use Google for backup. That's fine until your have a flood, fire, natural disaster. Or bit rot. You have a primary hard drive that ends up corrupting a file, and then you propagate the corruption into your backups because y...
by SpaethCo
Thu Oct 24, 2019 3:46 pm
Forum: Personal Consumer Issues
Topic: Is Google Drive enough for me?
Replies: 64
Views: 4266

Re: Is Google Drive enough for me?

Not if you use Google voice or Google Fi and you have two factor authentication set up on your Google account. In that case you would not be able to port my Google voice or Google Fi number without having my google account password AND access to my second factor. Also I have deleted my phone number...
by SpaethCo
Thu Oct 24, 2019 12:51 pm
Forum: Personal Consumer Issues
Topic: Is Google Drive enough for me?
Replies: 64
Views: 4266

Re: Is Google Drive enough for me?

What's the problem with using a mobile number for password recovery? Your email address and phone number are part of any number of data breach leaks at any given point of time. All I need to do is convince your carrier I'm you, get your number ported to my device, and I can reset your Google accoun...
by SpaethCo
Thu Oct 24, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: Is Google Drive enough for me?
Replies: 64
Views: 4266

Re: Is Google Drive enough for me?

2) It is a concern if a file gets corrupted. I do have an external hard drive. I plan to use that every so often. I may be wrong, but I believe I read about Google Drive having some form of versioning. Something I will investigate. It does: https://support.google.com/drive/answer/7397771?hl=en You ...
by SpaethCo
Fri Oct 11, 2019 6:20 pm
Forum: Personal Consumer Issues
Topic: Capital One Eno
Replies: 43
Views: 5757

Re: Capital One Eno

This can ONLY be used at XXXXDollar.com Anywhere else it will not be used. Since, I only spend there every few months, it is mostly in the off position; which renders the number useless to anyone else. Disabling the number is the key security feature that is benefiting you here, and in that use cas...
by SpaethCo
Wed Oct 09, 2019 10:24 pm
Forum: Personal Consumer Issues
Topic: Capital One Eno
Replies: 43
Views: 5757

Re: Capital One Eno

I have Eno setup on 60+ sites. Say Amazon charges $50 on my account that is fraudulent. I cancel that number and begin a new Amazon c.c. number. Whenever there is a charge it shows the merchant, so I would know where the fraud is coming from. The browser extension matches URL to a number that has b...
by SpaethCo
Wed Oct 09, 2019 9:29 pm
Forum: Personal Consumer Issues
Topic: Capital One Eno
Replies: 43
Views: 5757

Re: Capital One Eno

The biggest issue with Eno - they don’t show you the virtual card with which the charges on your account are associated. So you set this up for a couple dozen different sites, one of them gets compromised, now you can’t tell which number is the one you have to shut down. When you call in about the f...
by SpaethCo
Tue Oct 08, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: Returned first iPhone; are they all like this?
Replies: 27
Views: 3542

Re: Returned first iPhone; are they all like this?

montanagirl wrote:
Tue Oct 08, 2019 9:16 am
The word wrap problem really did it for me.
If you ever try an iPhone again, I think the feature you were looking for is "reader mode."

https://ios.gadgethacks.com/how-to/forc ... e-0198474/
by SpaethCo
Wed Oct 02, 2019 12:30 pm
Forum: Personal Consumer Issues
Topic: Any credit cards with good price matching protection?
Replies: 14
Views: 1258

Re: Any credit cards with good price matching protection?

Cards offering price protection are falling like dominoes. Mastercard removed Price Protection as a feature back in July: https://www.doctorofcredit.com/mastercard-overhauls-card-benefits-full-details-10-lyft-credit-cell-phone-insurance-other-benefits-removed/#Benefits_Being_Removed One of the last ...
by SpaethCo
Mon Sep 30, 2019 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance - Chase Sapphire Reserve
Replies: 12
Views: 1357

Re: Travel Insurance - Chase Sapphire Reserve

It’s okay for recovering non-refundable portions of upfront costs. If you have to cancel a trip, for example, generally your out of pocket expenses will be limited to things like $250 flight change fees (the remainder of the ticket issued in credit), or maybe having to pay a hotel early cancellation...
by SpaethCo
Fri Sep 27, 2019 5:05 pm
Forum: Personal Consumer Issues
Topic: PSA: Credit Card Companies Are Changing Benefits (Extended Warranty, Trip Insurance, Rental Car Coverage, Etc.)
Replies: 22
Views: 3196

Re: PSA: Credit Card Companies Are Changing Benefits (Extended Warranty, Trip Insurance, Rental Car Coverage, Etc.)

Losing Citi trip interruption coverage is really unfortunate, because they actually had useful coverage for that. If you were going on a cruise and had a flight delay that caused you to miss the ship, you could be covered for travel expenses to meet the ship at the next port. This site has a really ...
by SpaethCo
Fri Sep 27, 2019 2:34 pm
Forum: Investing - Theory, News & General
Topic: Fidelity - No fiduciary policy?
Replies: 16
Views: 1286

Re: Fidelity - No fiduciary policy?

increment wrote:
Fri Sep 27, 2019 2:29 pm
It looks like you can open a Fidelity account with $2500.
They even eliminated that barrier. You can open an account without funding it at all now.

https://www.fidelity.com/why-fidelity/pricing-fees
by SpaethCo
Tue Sep 24, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: Uber - first time user - will I get picked up
Replies: 36
Views: 3907

Re: Uber - first time user - will I get picked up

I've never used Uber before. Tomorrow morning I need to go the airport. ... The price differential is irrelevant. I'm interested in using the technology but a bit apprehensive. One alternative to Uber is using a car service like Execucar (a division of SuperShuttle) or Groundlink. Uber is great for...