Search found 107 matches

by SpaethCo
Sun Sep 23, 2018 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 136
Views: 7703

Re: Physical Banking - Any benefits anymore?

I want to make sure I have at least an active checking account in a local b&m branch preferably within walking distance (which it is at the present time). In part this is so I can at least have a real live person to talk to face to face in the case that something somewhere somehow would go wrong. I...
by SpaethCo
Sun Sep 23, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 192
Views: 11883

Re: iPhone XS Max

Have an SE. Perfect size to carry around. It and the 5 series it’s based on have a reputation of being among the most reliable of all the iPhone models. The only problem with aging devices is that they can't take advantage of new towers and frequency space that carriers are building out, so it can ...
by SpaethCo
Sat Sep 22, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 192
Views: 11883

Re: iPhone XS Max

The photos people have been posting showing the Smart HDR capapbilities of the XS are pretty impressive. https://www.flickr.com/photos/gruber/sets/72157700003327111 This is a combination of a 30% larger wide-angle sensor on the XS (compared to the X) and new software that takes advantage of the addi...
by SpaethCo
Thu Sep 20, 2018 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity brokerage account - question about automatic investment
Replies: 13
Views: 867

Re: Fidelity brokerage account - question about automatic investment

That clause refers to automated investments within the account (ie, for those who direct depost into a brokerage account), or if the ACH transfer from your bank fails.
by SpaethCo
Thu Sep 20, 2018 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 175
Views: 9274

Re: How real is cyber risk?

The problem is that Vanguard's implementation makes it very easy for a "bad guy" to circumvent the entire Ybikey process through a "SIM swap" Yep, you're right. This is far from ideal. Suppose a bad actor has somehow gotten hold of my Vanguard account password and has executed a SIM swap so that te...
by SpaethCo
Thu Sep 20, 2018 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 175
Views: 9274

Re: How real is cyber risk?

" So you don't have to worry if for some reason you lost it. " In other words, your Yubikey adds no extra security over SMS security codes, so why bother? What's rather scary is that Ellen Rinaldi is Vanguard's Chief Information Security Officer, and Jeffrey Lampinski is their Head of Global Securi...
by SpaethCo
Thu Sep 20, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 175
Views: 9274

Re: How real is cyber risk?

If you want to follow that advice, and I do, it eliminates banking by phone as far as I can tell. I don't see how you can login to the app and then use a second factor without also entering that into the phone. (Assuming your bank even offers 2FA, which some (many?) don't). So with a tear in my eye...
by SpaethCo
Tue Sep 18, 2018 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America credit card “feature” (be careful with autopay)
Replies: 45
Views: 2601

Re: Bank of America credit card “feature” (be careful with autopay)

This is the bill pay system attached to the BOA checking account right? Or does this also allow you to set up an autopay from a non BOA checking account? It's just the bill pay system attached to your BoA online account, you can link external accounts to use for payments: https://farm2.staticflickr...
by SpaethCo
Tue Sep 18, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America credit card “feature” (be careful with autopay)
Replies: 45
Views: 2601

Re: Bank of America credit card “feature” (be careful with autopay)

Does BOA even have a standard "pay the full amount of last month's bill" autopay setting? As far as I know, there are 2 ways autopay can be setup with BoA: Using the Bill Pay system. It will setup the credit card to generate an eBill, and a payment is scheduled based on that eBill and your choice t...
by SpaethCo
Mon Sep 17, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 192
Views: 11883

Re: iPhone XS Max

Meanwhile, my iPhone 4S running on ios 7.1 (pre-battery-throttling) is humming along just fine for the $0 I paid for it (my old company gave it to me when I left because it was 4 years old at that time). 30 known remote exploit CVEs against that iOS version with a score > 9.0. Yikes! I don't think ...
by SpaethCo
Mon Sep 17, 2018 10:32 am
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 175
Views: 9274

Re: How real is cyber risk?

But I'll still pose my question to the others who disagree. If no password manager, what do you suggest? There are strong parallels between investing and IT security. On this forum I've seen this quote a few times: "The greatest enemy of a good plan is the dream of a perfect plan." There are countl...
by SpaethCo
Sun Sep 16, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: [AARP Article re: ID Theft & Dark Web]
Replies: 32
Views: 3858

Re: Dark Web Article

3. Use a Password Manager Browser autofill integration was once thought to be primarily a convenience feature, but these days it's actually a really important security feature. Your password manager should be doing 2 things for you: Ensuring a unique password for every site Ensuring your user/passw...
by SpaethCo
Sat Sep 15, 2018 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 175
Views: 9274

Re: How real is cyber risk?

The point of 2FA is that if your password is compromised, you have more time to change it before it can be abused. Not necessarily. The reality of web-based applications is that the return of a successful authentication transaction is a much longer-lived session token. The thing that we've seen in ...
by SpaethCo
Fri Sep 14, 2018 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 175
Views: 9274

Re: How real is cyber risk?

All your financial accounts and primary email accounts must be configured for 2-Factor Authentication, and you must make sure that your two factors are entered over different devices. You don't want someone to penetrate your smartphone and gain access to both of your factors. 2FA doesn’t offer all ...
by SpaethCo
Mon Sep 10, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Is anyone using a bill paying service?
Replies: 38
Views: 3935

Re: Is anyone using a bill paying service?

I've heard multiple stories like the one I heard last week: Someone used direct pay to pay for their fitness center membership. They decided to cancel their membership, but the gym kept charging the next month. The person complained, they the gym said they would fix it. This pattern repeated itself...
by SpaethCo
Mon Sep 03, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 51
Views: 7041

Re: Fidelity Rewards Visa Card

How are any of the 2% cards betwee than the c ard I linked which is 3% the first year and 2.5% for each subsequent year, with no foreign fees.... You have to spend $11,800/year to break-even with a flat 2% cash back card because of the $59 annual fee. That can be hard to do if you have more than a ...
by SpaethCo
Mon Aug 27, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: Streaming TV services
Replies: 36
Views: 2580

Re: Streaming TV services

Philo has 40 channels for $16/mo.
by SpaethCo
Sun Aug 26, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Duplicate Funds Now That There Are No Minimums
Replies: 33
Views: 2441

Re: Fidelity Duplicate Funds Now That There Are No Minimums

tfb wrote:
Sun Aug 26, 2018 12:23 pm
Fidelity said the existing share classes will merge into one in November.
Yep, the fund consolidation was highlighted in this document by Fidelity:

https://www.fidelity.com/bin-public/060 ... esting.pdf
by SpaethCo
Sun Aug 26, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: What is your stealth way to save monthly?
Replies: 87
Views: 9596

Re: What is your stealth way to save monthly?

That's the "pull" method. I'm looking for the "push" method that does not give the brokerage privileges to draft my checking account. I want to send them money myself when I want it and in amounts I want it and manage that on my side. This was easy to do with paper checks. Now I am wondering if I c...
by SpaethCo
Sun Aug 26, 2018 12:33 am
Forum: Personal Consumer Issues
Topic: UPDATE: Credit Card Fraud - $30K
Replies: 57
Views: 6623

Re: Credit Card Fraud - $30K

Sadly, Citi does not have 2FA (not sure why). Most 2FA implementations are still vulnerable to the most prevalent attack vector: phishing. https://gbhackers.com/bypass-two-factor-authentication/ It’s a mess because credit card companies send out special offer emails with registration links all the ...
by SpaethCo
Fri Aug 24, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: I still use cash not credit cards should I reconsider?
Replies: 102
Views: 7766

Re: I still use cash not credit cards should I reconsider?

I think a lot of the credit card challenges you're mentioning are a bit exaggerated, such as not trusting credit card auto pay for some reason. I love the subtle irony that on this forum we have the faith to trust our life savings to automated systems accurately executing market trades to allow our...
by SpaethCo
Fri Aug 24, 2018 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Is Treasury Direct worth the hassle?
Replies: 52
Views: 4767

Re: Is Treasury Direct worth the hassle?

Posts like these concern me: https://www.bogleheads.org/forum/viewtopic.php?t=220965 .. but there's no other way to buy I-bonds, so I suck it up and deal with it for that. I'm not sure I understand their logic for what actions require a Medallion Signature Guarantee. The last time I added an online ...
by SpaethCo
Fri Aug 24, 2018 10:59 am
Forum: Personal Finance (Not Investing)
Topic: CC 31 days overdue
Replies: 22
Views: 2108

Re: CC 31 days overdue

I have just two CCs. I don't use auto pay on either of them. I'd still recommend to at least set it up to autopay the minimum. If you pay it off manually, it's inconsequential anyway -- most banks will skip the autopay transaction that month altogether. If you do happen to miss a payment date for a...
by SpaethCo
Fri Aug 24, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: I still use cash not credit cards should I reconsider?
Replies: 102
Views: 7766

Re: I still use cash not credit cards should I reconsider?

camillus wrote:
Fri Aug 24, 2018 7:09 am
6) Dave Ramsey claims that people who use cards spend 12% more than cash users.
Interestingly enough, the study that Dave cites to make that claim doesn't actually exist.

https://www.getrichslowly.org/money-myt ... -yourself/
by SpaethCo
Sun Aug 12, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 12845

Re: New Vanguard Security Code Requirement [2FA: Two-factor authentication]

gmaynardkrebs wrote:
Sun Aug 12, 2018 2:52 pm
Would checking the box that permits me to only log in from my laptop prevent this?
Most likely, yes.

It would probably be worth validating with Vanguard that they can disable that setting if you call in and authenticate with voiceprint authentication, just to eliminate the single point of failure.
by SpaethCo
Sun Aug 12, 2018 2:47 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 12845

Re: New Vanguard Security Code Requirement [2FA: Two-factor authentication]

I don't follow. Suppose my password is qwerty, which I only use for Vanguard, and they get that somehow. They then try to log in from from their own device using my username and qwerty. Vanguard tells them they need a security code. Vanguard will then call the number registered on my account, my ho...
by SpaethCo
Sun Aug 12, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: VMMXX vs I-Bonds vs High Yield saving account vs ... ?
Replies: 25
Views: 2844

Re: VMMXX vs I-Bonds vs High Yield saving account vs ... ?

All of this is almost a waste of time given the amount of money and rates involved, so just have fun with it! This is such a great comment because it's so true. If I'm honest about how much time I've put into researching where to put my EF dollars, my ROI is downright embarrassing. My EF was also s...
by SpaethCo
Sun Aug 12, 2018 1:42 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 12845

Re: New Vanguard Security Code Requirement [2FA: Two-factor authentication]

I agree we will never be 100% secure, but the bad guys generally focus on low hanging fruit. Why would they spend a lot of time & effort trying to break through 5 doors when there are so many having but 1? 2FA isn't really a "second door." I know my earlier posts had a lot of text, so if you take a...
by SpaethCo
Sun Aug 12, 2018 2:23 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 12845

Re: New Vanguard Security Code Requirement [2FA: Two-factor authentication]

While nothing is 100% secure, there are steps that we can take, such as 2FA, antivirus, malwarebytes, only going on HTTPS websites, using password managers for more complex passwords, etc. IN ORDER to reduce the risk of being hacked. Which part of this do you not agree with? It's not that these are...
by SpaethCo
Sat Aug 11, 2018 5:51 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 12845

Re: New Vanguard Security Code Requirement [2FA: Two-factor authentication]

This example would seem most feasible only for money that is actually in a bank account right now? Invested assets would first have to be liquidated and moved to a bank account before someone could do this. I think doing that would take at least a day or two and I would be getting notifications of ...
by SpaethCo
Sat Aug 11, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 12845

Re: New Vanguard Security Code Requirement [2FA: Two-factor authentication]

Malware bytes will effectively screen out many phishing websites. Malware bytes will only help with wide-net "spray and pray" phishing campaigns -- you need enough people to see it, know it's false, and report it for it to end up being listed. That's only somewhat useful, especially as more targete...
by SpaethCo
Fri Aug 10, 2018 6:35 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 12845

Re: New Vanguard Security Code Requirement [2FA: Two-factor authentication]

Does Vanguard offer 2FA via token? ... The point is to make it as hard as possible for someone to exploit you. Even offline token or authenticator app code generators don't really offer much in the way of real world protection. The most likely way your credentials are going to be stolen is phishing...
by SpaethCo
Fri Aug 10, 2018 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: treasury bills 4 weeks not always available?
Replies: 10
Views: 681

Re: treasury bills 4 weeks not always available?

So how do you buy the TBills if they disappear on auction day? Do I buy on announcement day? 4 week treasuries only have about a 24 hour window between announcement and auction, so yeah, you’d probably want to get your order submitted the evening of the announcement date to ensure you don’t miss th...
by SpaethCo
Fri Aug 10, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: treasury bills 4 weeks not always available?
Replies: 10
Views: 681

Re: treasury bills 4 weeks not always available?

The piece you're missing is the treasury auction calendar: https://www.treasury.gov/resource-center/data-chart-center/quarterly-refunding/Documents/auctions.pdf Each treasury type will only show up as new issues in Fidelity on the "Announcement Date" and will drop out of the list on the "Auction Dat...
by SpaethCo
Fri Aug 10, 2018 11:00 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 12845

Re: Vanguard req. Two Factor Authentication, pros and cons

So, should I remove my cell phone as the secondary security code/temporary password? Probably. There are numerous potential ways to gain access to that endpoint with varying degrees of difficulty (SS7 intercept, SIM swap, number port). You could use a service like Google Voice (free) which gives yo...
by SpaethCo
Fri Aug 10, 2018 10:16 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 12845

Re: Vanguard req. Two Factor Authentication, pros and cons

SMS wouldn't be entirely terrible if it was only the 2nd authentication factor, at least the attacker would still need to know your (hopefully) complex password to even get to the 2FA prompt. So many news articles are so quick to point out the weakness of SMS for 2FA that they skip over the most vul...
by SpaethCo
Tue Aug 07, 2018 6:38 pm
Forum: Investing - Theory, News & General
Topic: Best Fidelity Money Market Account to Hold Cash?
Replies: 13
Views: 1831

Re: Best Fidelity Money Market Account to Hold Cash?

I am having trouble figuring out exactly how to buy T-bills through Fidelity. I am sure it is easy to do, but I am still working on understanding the process. I may do T-bills instead of money market funds. I found this link very helpful for the process: https://thefinancebuff.com/treasury-bills-cd...
by SpaethCo
Tue Aug 07, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: Best Fidelity Money Market Account to Hold Cash?
Replies: 13
Views: 1831

Re: Best Fidelity Money Market Account to Hold Cash?

MikeMak27 wrote:
Tue Aug 07, 2018 3:38 pm
I use SPRXX since it has the highest yield available to retail investors.
I’m in the same boat here.

SPRXX when I get to choose, SPAXX when Fidelity chooses via sweep.

I’m still hoping someone is going to hop in this thread and point out the magic fund that I’ve overlooked. :moneybag :greedy
by SpaethCo
Fri Aug 03, 2018 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Time to invest in Fidelity's new zero fee funds?
Replies: 70
Views: 4243

Re: Time to invest in Fidelity's new zero fee funds?

Lol, people are so averse to change. There must be a catch! It's not worth the time to change! It's in the 401k so there is no tax consequence. The new funds are cheaper. I say go for it. You can always switch back. We're all assuming that FZROX is going to mirror FSTVX and FZILX is going to mirror...
by SpaethCo
Fri Aug 03, 2018 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Time to invest in Fidelity's new zero fee funds?
Replies: 70
Views: 4243

Re: Time to invest in Fidelity's new zero fee funds?

Seems a lot of people are suggesting not to switch, or to wait. But let me give you more information regarding my Fidelity account. Balance is fairly large. Over $600K, so it might make a reasonable difference for me. Based on the above, I see only upsides, and no downsides to switching them over. ...
by SpaethCo
Thu Aug 02, 2018 3:20 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 737
Views: 70307

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I don't understand, FBIDX, FSITX, and FXSTX all now have identical expense ratios and a $0 buy in? :confused How is this supposed to work? I imagine that they'll merge at least the Investor and Premium class funds. According to this, Investor, Premium, Institutional, and Institutional Premium are a...
by SpaethCo
Sun Jul 22, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Online access: Two factor authentication
Replies: 9
Views: 754

Re: Online access: Two factor authentication

In your case, time-based one-time passwords (TOTP) as your 2nd authentication factor isn’t really doing much for you. The key reason that SMS/Authenticator App 2FA improves security is that people choose terrible passwords, and they re-use them between sites.[0] As such, the 2FA code becomes the onl...
by SpaethCo
Sat Jun 30, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Online backup service for a few TB's of data and a 2nd computer with a small amount of data
Replies: 50
Views: 2346

Re: Online backup service for a few TB's of data and a 2nd computer with a small amount of data

One important point about online backup vs buying a hard drive: data durability. If you backup to a service like Backblaze the data is split across hard drives in 20 different pods, and 3 of those can be unavailable at any time and you have no loss of data. That allows them to have hard drives fail ...
by SpaethCo
Thu May 10, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 86
Views: 8366

Re: Alternatives to Amazon

Ebay.

I’ve found that almost everything available from Amazon marketplace sellers is also available on Ebay for less. Most of the “Buy It Now” stuff is brand new merchandise sold by marketplace merchants that ship either USPS Priority 2-day, or actually use Amazon logistics for delivery.
by SpaethCo
Tue Apr 17, 2018 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Help with CD ladder strategy for emergency fund
Replies: 36
Views: 3302

Re: Help with CD ladder strategy for emergency fund

Please note that Penfed made their early withdrawal penalties more severe. h. Early Withdrawal Penalties. All requests for early withdrawal must be in writing. In the event of early withdrawal, one of the following penalties shall apply: 1) Six-month Money Market Certificates. a) If redeemed within ...
by SpaethCo
Mon Mar 05, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Thinking of getting an Apple Watch
Replies: 82
Views: 8963

Re: Thinking of getting an Apple Watch

Everybody else hit most of the key points, so I'm going to just add a couple things. Are there any specific apps / features that you really like, or were really life changing? + Unlocking my Mac with the watch is a killer feature for me. + Strong app for the gym. Step through your workout sets, log ...
by SpaethCo
Sun Feb 25, 2018 11:57 pm
Forum: Personal Consumer Issues
Topic: AC/Furnace Questions- 1 stage or 2 stage?
Replies: 45
Views: 3677

Re: AC/Furnace Questions- 1 stage or 2 stage?

As for this: "The Ecobee won't let the house get colder than what it can recover to set point at stage 2 within 30 minutes" --is that a built in function of the ecobee or do you have it set to that? I read through the manual and am a little confused on the two-stage settings. It's a built-in functi...
by SpaethCo
Sun Feb 25, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: AC/Furnace Questions- 1 stage or 2 stage?
Replies: 45
Views: 3677

Re: AC/Furnace Questions- 1 stage or 2 stage?

If you look at the design of 1-stage vs 2-stage, the only real difference is a 2nd gas valve and a 2-speed inducer motor, so that shouldn't matter for reliability. It's not until you get into modulating furnaces with an actuator that adjusts a single gas valve and a full ECM flue exhaust motor where...
by SpaethCo
Wed Feb 21, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: When is Costco cash back coupon arriving?
Replies: 23
Views: 3431

Re: When is Costco cash back coupon arriving?

The credit card cash back certificate was delivered as an email a couple weeks ago.

The executive membership reward certificate came this week in the USPS mail.
by SpaethCo
Tue Feb 20, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Ins. Drop Comprehensive and Collision?
Replies: 13
Views: 1104

Re: Auto Ins. Drop Comprehensive and Collision?

I max out deductibles, I don't drop coverage for 2 reasons: 1) Everything to get the car from the road to its final resting place becomes the insurance company's problem. If I'm in a crash, it's already stressful enough - I don't want to have to worry about making sure the incident tow company gets ...