Search found 995 matches

by ARoseByAnyOtherName
Mon May 11, 2020 7:52 pm
Forum: Personal Consumer Issues
Topic: SIM Card Hack
Replies: 21
Views: 2658

Re: SIM Card Hack

I check my financial accounts often on my cell phone. All the accounts, including my cell phone, use facial recognition ID. Is this considered a safe set up? Checking financial accounts from a mobile device is at least as safe, and possibly safer, than checking from a computer. I read this morning ...
by ARoseByAnyOtherName
Sat May 09, 2020 6:43 pm
Forum: Personal Consumer Issues
Topic: Will a vpn complicate or improve my internet experience?
Replies: 55
Views: 4044

Re: Will a vpn complicate or improve my internet experience?

My only two cares for using it are: 1.) To hide/alter my location. I assume this works accurately as I've been able to defeat certain video providers I subscribe to from blocking me while traveling. Some of these providers like Hulu, Netflix, etc. seem to want the blood of your firstborn to verify ...
by ARoseByAnyOtherName
Sat May 09, 2020 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing not to correct all billing/financial errors
Replies: 68
Views: 4647

Re: Choosing not to correct all billing/financial errors

And my point was more that I woke up to the fact I was overreacting to that event (i.e. an emotional reaction instead of a rational reaction). Now, I try to be more rational and less emotional about financial matters. There are still a few time indulgences that aren't purely rational, like having a...
by ARoseByAnyOtherName
Sat May 09, 2020 12:00 pm
Forum: Personal Consumer Issues
Topic: Will a vpn complicate or improve my internet experience?
Replies: 55
Views: 4044

Re: Will a vpn complicate or improve my internet experience?

1) I would prefer my emails sent through SMTP not to be read by anyone else, but hey maybe that's just a personal preference. 2) If I could afford a data link layer VPN to my ISP I would do it. Network layer will have to suffice for now. Unless you are sending emails from yourself on your laptop to...
by ARoseByAnyOtherName
Sat May 09, 2020 11:03 am
Forum: Personal Consumer Issues
Topic: Will a vpn complicate or improve my internet experience?
Replies: 55
Views: 4044

Re: Will a vpn complicate or improve my internet experience?

It’s a real threat if you are on a public WiFi network. The “false sense of security” is such a boogeyman. Do you wear a seatbelt in a car? Doesn’t that give you a “false sense of security”? What threats? I'll save you the time: they don't exist. The dangers of public WiFi are massively overhyped. ...
by ARoseByAnyOtherName
Sat May 09, 2020 10:57 am
Forum: Personal Consumer Issues
Topic: SIM Card Hack
Replies: 21
Views: 2658

Re: SIM Card Hack

I check my financial accounts often on my cell phone. All the accounts, including my cell phone, use facial recognition ID. Is this considered a safe set up? Checking financial accounts from a mobile device is at least as safe, and possibly safer, than checking from a computer. I read this morning ...
by ARoseByAnyOtherName
Sat May 09, 2020 10:39 am
Forum: Personal Consumer Issues
Topic: Will a vpn complicate or improve my internet experience?
Replies: 55
Views: 4044

Re: Will a vpn complicate or improve my internet experience?

TheDDC's point is that a VPN gives users a false sense of security and doesn't address real threats. It’s a real threat if you are on a public WiFi network. The “false sense of security” is such a boogeyman. Do you wear a seatbelt in a car? Doesn’t that give you a “false sense of security”? What th...
by ARoseByAnyOtherName
Sat May 09, 2020 7:03 am
Forum: Personal Consumer Issues
Topic: IE, Chrome or Firefox, that is the question.
Replies: 53
Views: 3083

Re: IE, Chrome or Firefox, that is the question.

Updating a few things on the old 'confuser' (PC) and, at the risk of starting a war of opinions, was wondering if there was a general consensus among the cognoscenti on which browser is the best for a non-techie ... IE, Chrome, Firefox ... and why? IE is end of life so definitely don’t use that. Ju...
by ARoseByAnyOtherName
Sat May 09, 2020 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Choosing not to correct all billing/financial errors
Replies: 68
Views: 4647

Re: Choosing not to correct all billing/financial errors

I frequently weigh the cost of my time against the benefit of what I'm trying to recover. For example, when I was in college, my credit card number was stolen and someone went on a shopping spree. For years afterwards, I would spend hours each month recording every receipt and validating my credit ...
by ARoseByAnyOtherName
Sat May 09, 2020 6:08 am
Forum: Investing - Theory, News & General
Topic: Trying to understand Merriman portfolio options
Replies: 32
Views: 1897

Re: Trying to understand Merriman portfolio options

The question of the 'value premium' is up in the air, even for those of us who have invested in it based upon historical pedigree. IMHO your main equity investment should be VTI (or VT). Can you say more about this—why the 'value premium' is up in the air? Heres some recent discussions about this a...
by ARoseByAnyOtherName
Fri May 08, 2020 10:55 pm
Forum: Personal Consumer Issues
Topic: Will a vpn complicate or improve my internet experience?
Replies: 55
Views: 4044

Re: Will a vpn complicate or improve my internet experience?

Received an email from the folks at McAfee offering free vpn service. A casual internet search indicates I would be better off going with a fee for service vpn provider. While I am comfortable using a computer I still hesitate installing or dealing with any new software. Can someone advise me as to...
by ARoseByAnyOtherName
Fri May 08, 2020 10:53 pm
Forum: Investing - Theory, News & General
Topic: Trading Baskets of Stocks
Replies: 27
Views: 1699

Re: Trading Baskets of Stocks

If you need the simplicity, Motif investing changes either $20 for real-time trades of a basket of stocks, or $10 if you're willing to be batched in with other trades. Motif is also going out of business. So.... I don’t recommend going that route. Schwab is buying Motif and they explicitly state it...
by ARoseByAnyOtherName
Wed May 06, 2020 5:23 pm
Forum: Investing - Theory, News & General
Topic: Looking for alternative to Vanguard
Replies: 107
Views: 7129

Re: Looking for alternative to Vanguard

Strong passwords and 2FA won't protect you from a Vanguard employee embezzling money from your account. So are you saying that strong passwords and 2FA isn’t worth it then? What’s your point? My point would be no one seems to be able to produce any real world examples of individuals losing money to...
by ARoseByAnyOtherName
Wed May 06, 2020 4:58 pm
Forum: Investing - Theory, News & General
Topic: Looking for alternative to Vanguard
Replies: 107
Views: 7129

Re: Looking for alternative to Vanguard

I wonder whatever happened with this: https://www.inquirer.com/business/vanguard-escheat-scott-capps-lance-tobin-us-attorney-bill-mcswain-stolen-dead-customers-20190315.html Strong passwords and 2FA won't protect you from a Vanguard employee embezzling money from your account. So are you saying tha...
by ARoseByAnyOtherName
Wed May 06, 2020 3:24 pm
Forum: Investing - Theory, News & General
Topic: Looking for alternative to Vanguard
Replies: 107
Views: 7129

Re: Looking for alternative to Vanguard

I wonder whatever happened with this: https://www.inquirer.com/business/vanguard-escheat-scott-capps-lance-tobin-us-attorney-bill-mcswain-stolen-dead-customers-20190315.html Strong passwords and 2FA won't protect you from a Vanguard employee embezzling money from your account. So are you saying tha...
by ARoseByAnyOtherName
Wed May 06, 2020 7:38 am
Forum: Personal Consumer Issues
Topic: Can I save this tree? (Mulberry Tree SF Bay Area)
Replies: 10
Views: 732

Re: Can I save this tree? (Mulberry Tree SF Bay Area)

JPH wrote:
Wed May 06, 2020 7:34 am
Are you asking for medical advice? :D
Do you have any to offer? :sharebeer
by ARoseByAnyOtherName
Wed May 06, 2020 7:25 am
Forum: Personal Consumer Issues
Topic: can't log on [to Vanguard website]
Replies: 70
Views: 2440

Re: Can't login to Vanguard website

I can't login to Vanguard website. Everything was fine until this evening. I'm using Mac and used Safari and Chrome and I'm getting same message. We're sorry. The page you requested could not be found. If you used a bookmark or a favorite place to access this page, the link is no longer effective. ...
by ARoseByAnyOtherName
Wed May 06, 2020 7:24 am
Forum: Personal Consumer Issues
Topic: can't log on [to Vanguard website]
Replies: 70
Views: 2440

Re: can't log on [to Vanguard website]

This is one of many reasons that I don’t put all my eggs in one (brokerage) basket. Have you, or anyone else, ever lost anything as a result of these short random website outages that have affected basically every single online operation at one time or another? Can you, or anyone else, show me any ...
by ARoseByAnyOtherName
Wed May 06, 2020 7:20 am
Forum: Investing - Theory, News & General
Topic: Looking for alternative to Vanguard
Replies: 107
Views: 7129

Re: Looking for alternative to Vanguard

critical passwords...should be ... stored in your password manager. If you're worried about cyber security, your password manager is just another piece of software that can be hacked. A ticking time-bomb. It's convenient, but is it wise to keep all your critical passwords in one place, on a compute...
by ARoseByAnyOtherName
Tue May 05, 2020 11:44 pm
Forum: Investing - Theory, News & General
Topic: Looking for alternative to Vanguard
Replies: 107
Views: 7129

Re: Looking for alternative to Vanguard

2. Use your password safe offline— unplug from the network, reboot, open your password safe, get the password you require, reboot, reconnect to network. 3. Or, use a strong password you can memorize for your Vanguard account and don’t store it in a password safe. What attack does #2 protect against...
by ARoseByAnyOtherName
Tue May 05, 2020 11:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 2-factor authentication becoming mandatory and available for non-US
Replies: 65
Views: 5123

Re: Vanguard 2-factor authentication becoming mandatory and available for non-US

I consider accessing a financial institution via their app to be *more* secure than using their website, especially on an iPhone. You can't get phished, the OS guarantees all communications are encrypted, no risk of rogue browser extensions stealing data. There are other nuanced considerations. For...
by ARoseByAnyOtherName
Tue May 05, 2020 10:57 pm
Forum: Investing - Theory, News & General
Topic: Looking for alternative to Vanguard
Replies: 107
Views: 7129

Re: Looking for alternative to Vanguard

Vanguard supports hardware keys if you want that. You can also set options to ALWAYS require 2-factor authentication includes every login. I understand the possibility for SIM swap, but that's why SMS is the second factor, not the only factor. It seems like it would have to be a quite targeted atta...
by ARoseByAnyOtherName
Tue May 05, 2020 10:55 pm
Forum: Investing - Theory, News & General
Topic: Looking for alternative to Vanguard
Replies: 107
Views: 7129

Re: Looking for alternative to Vanguard

I looked at some others like Fidelity and I don't really like their options. They require Symantec VIP for 2FA (much rather use traditional tokens like Authy). No financial company uses Authy, so good luck with that. Companies that use Authy can also just reset it with a phone call if they want. Ha...
by ARoseByAnyOtherName
Tue May 05, 2020 10:52 pm
Forum: Personal Consumer Issues
Topic: can't log on [to Vanguard website]
Replies: 70
Views: 2440

Re: Can't login to Vanguard website

I can't login to Vanguard website. Everything was fine until this evening. I'm using Mac and used Safari and Chrome and I'm getting same message. We're sorry. The page you requested could not be found. If you used a bookmark or a favorite place to access this page, the link is no longer effective. ...
by ARoseByAnyOtherName
Tue May 05, 2020 10:49 pm
Forum: Personal Consumer Issues
Topic: can't log on [to Vanguard website]
Replies: 70
Views: 2440

Re: Can't login to Vanguard website

I can't login to Vanguard website. Everything was fine until this evening. I'm using Mac and used Safari and Chrome and I'm getting same message. We're sorry. The page you requested could not be found. If you used a bookmark or a favorite place to access this page, the link is no longer effective. ...
by ARoseByAnyOtherName
Tue May 05, 2020 10:48 pm
Forum: Personal Consumer Issues
Topic: Can I save this tree? (Mulberry Tree SF Bay Area)
Replies: 10
Views: 732

Re: Can I save this tree? (Mulberry Tree SF Bay Area)

Hello, New homeowner here... truly out of my league with the gardening here. I have what I am told is a mulberry tree, and I believe it is unhealthy. Would love if anybody with more knowledge could give me some tips or let me know if they believe this tree is a goner or has a chance with some love ...
by ARoseByAnyOtherName
Tue May 05, 2020 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Years of service
Replies: 5
Views: 708

Re: Years of service

Having gone through a recent company restructuring, the severance packages were great for people with long tenure in the company. Has anyone negotiated to maintain the years of service when changing job/company? I’ve never heard anything like this and don’t expect that to fly with any company. Much...
by ARoseByAnyOtherName
Tue May 05, 2020 5:49 am
Forum: Personal Investments
Topic: How long is this profit sustainable as a New Trader?
Replies: 58
Views: 3511

Re: How long is this profit sustainable as a New Trader?

Have you read anything about Technical Analysis and Fundamental Analysis of Markets and Stocks? They are the 2 Big Schools of thought on investing. Bogleism is more of a disciplined methodology and well balanced approach using indexed funds (and a good one), Using the Best of all the above is proba...
by ARoseByAnyOtherName
Mon May 04, 2020 8:20 pm
Forum: Investing - Theory, News & General
Topic: Risk Parity ETF launched (RPAR)
Replies: 24
Views: 2902

Re: Risk Parity ETF launched (RPAR)

What is the true, compelling argument against this strategy? Are you going to invest in it? The co-founder of the fund Alex Shahidi has a book published "Balanced Asset Allocation". This summarizes a number of the same principals as Ray Dalio has in his own publications but I found Shahidi's book t...
by ARoseByAnyOtherName
Mon May 04, 2020 8:11 pm
Forum: Personal Investments
Topic: Getting 300k cash. What should we do with it?
Replies: 23
Views: 4005

Re: Getting 300k cash. What should we do with it?

We will net about 300k cash when our house closes in a few weeks (June 1, 2020). - Ages: 52 & 45 - 4 kids (2 in college, 2 at home). - No debt. - Emergency fund (12 mos) fully funded. - Tax advantaged accounts fully funded for 2020. - 529s fully funded. - Will not be buying another house for 6+ yea...
by ARoseByAnyOtherName
Mon May 04, 2020 7:34 am
Forum: Personal Consumer Issues
Topic: Powdered Soy Milk
Replies: 39
Views: 2222

Re: Powdered Soy Milk

Why soy milk? It's not good for you. https://www.westonaprice.org/health-topics/soy-alert/the-ploy-of-soy/ I don’t have an opinion about soy milk, but here is what one MD thinks about the general validity of nutritional information provided by the weston a price foundation (which was founded in 199...
by ARoseByAnyOtherName
Sun May 03, 2020 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Closing Chase Bank Account
Replies: 11
Views: 1535

Re: Closing Chase Bank Account

I do it every year after I get the bonus and minimum holding period is met. It's very easy and straightforward: 1. ACH all money out of Chase. 2. Send secure message to close the account. Works every time, 1 or 2 business days. Just make sure you do it in the same billing cycle to avoid any (potent...
by ARoseByAnyOtherName
Sun May 03, 2020 7:55 pm
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 130
Views: 9192

Re: Mesh Wifi

Wouldn’t touch with a ten foot pole. You’ve got to be kidding me. Asus is renown for abandoning even relatively recent router models as “end of life”, meaning no security updates. See for yourself, on their end of life product list: https://www.asus.com/event/network/EOL-product/ For example look a...
by ARoseByAnyOtherName
Sun May 03, 2020 7:25 pm
Forum: Investing - Theory, News & General
Topic: Risk Parity ETF launched (RPAR)
Replies: 24
Views: 2902

Re: Risk Parity ETF launched (RPAR)

What is the true, compelling argument against this strategy? Are you going to invest in it? If not, then that’s the case against it. Ultimately the proof is in the pudding. If you are, then good for you. In uncertain environments I take even more comfort in the diversification provided by a three-f...
by ARoseByAnyOtherName
Sun May 03, 2020 7:18 pm
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 130
Views: 9192

Re: Mesh Wifi

Any Asus router with AImesh. Wouldn’t touch with a ten foot pole. Great security updates You’ve got to be kidding me. Asus is renown for abandoning even relatively recent router models as “end of life”, meaning no security updates. See for yourself, on their end of life product list: https://www.as...
by ARoseByAnyOtherName
Sat May 02, 2020 10:08 pm
Forum: Personal Consumer Issues
Topic: [recommend a basic] refrigerator
Replies: 22
Views: 1738

Re: [recommend a basic] refrigerator

It appears I may have to replace my old amana refrigerator/freezer. I want a simple machine: no icemaker, no coldwater faucet, nothing through the door, etc, Not connected to the internet, don't want it to talk to me or light up when someone's in the room... One refrigerator door, one freezer door....
by ARoseByAnyOtherName
Sat May 02, 2020 7:58 pm
Forum: Personal Investments
Topic: How long is this profit sustainable as a New Trader?
Replies: 58
Views: 3511

Re: How long is this profit sustainable as a New Trader?

Sounds like you substantially underperformed passive stock investing for the month of April. So rather than think in absolute percentages, imagine continuing to underperform by about a third, and think whether there might be a better (and simpler) way. I believe this is to another person? SPY close...
by ARoseByAnyOtherName
Sat May 02, 2020 7:44 pm
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3362

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

DoubleClick wrote:
Sat May 02, 2020 12:51 pm
ARoseByAnyOtherName wrote:
Sat May 02, 2020 12:10 pm
Even if you continue to tilt small cap value (which is a perfectly understandable thing to do!) it's good to read dissenting viewpoints.
Great point. Overall, reading dissenting viewpoints is something we should encourage everyone to do.
:sharebeer
by ARoseByAnyOtherName
Sat May 02, 2020 7:01 pm
Forum: Investing - Theory, News & General
Topic: The Collapse in Global Inflation Expectations
Replies: 106
Views: 6604

Re: The Collapse in Global Inflation Expectations

Chicken Little wrote:
Sat May 02, 2020 1:23 pm
The chairman just made it explicitly clear that he thinks we're in a terrible fiscal position.
I missed this. Can you post a link to where he said this?
by ARoseByAnyOtherName
Sat May 02, 2020 6:20 pm
Forum: Investing - Theory, News & General
Topic: [Berkshire Hathaway Annual Shareholder meeting]
Replies: 49
Views: 3813

Warren Buffett says the economy will overcome coronavirus

[Thread merged into here, see below. --admin LadyGeek] Warren Buffett says the economy will overcome coronavirus: ‘Nothing can basically stop America’ https://www.cnbc.com/2020/05/02/warren-buffett-says-the-economy-will-overcome-coronavirus-nothing-can-basically-stop-america.html The money quote: “...
by ARoseByAnyOtherName
Sat May 02, 2020 12:10 pm
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3362

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

Nothing insane to my eyes, just a couple comments: I believe strongly in the small cap value tilt My personal bias is to not tilt. My portfolio has US total market, international total market, and bonds. Easy peasy. That out of the way, you might want to check your assumptions regarding small cap va...
by ARoseByAnyOtherName
Sat May 02, 2020 6:44 am
Forum: Personal Consumer Issues
Topic: Netflix - New Way Of Throttling [DVDs]?
Replies: 62
Views: 9159

Re: Netflix - New Way Of Throttling [DVDs]?

Here we are in May, and all of the discs below are still “short wait.” :( Might be time to cancel our $9.99 plan for a while before it renews in mid-May. Three or four Redbox rentals a month might make more sense, especially with the streaming and premium cable subscriptions we have. Not sure if th...
by ARoseByAnyOtherName
Sat May 02, 2020 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Trying to lower tax on short term capital gains. Do conservation easements work?
Replies: 136
Views: 9030

Re: Trying to lower $800k tax on short term capital gains. Do conservation easements work?

Yep, get a good CPA. The conservation easement investment is shady, opperuntity zones might not be much better. I wonder if there is some real business investment like in a farm, where you could buy a bunch of equipment and then take accelerated depreciation? I have decided not to do CE. But accele...
by ARoseByAnyOtherName
Sat May 02, 2020 5:42 am
Forum: Personal Finance (Not Investing)
Topic: Quitting a job after two weeks: relocation expenses
Replies: 196
Views: 17813

Re: Quitting a job after two weeks: relocation expenses

Based on earlier threads, it looks like the OP is 33 or 34, had a net worth of 2 million at one point, and was making 350k in tech, so might be making 700k-1M now. WHAT??!!! SWE ICs do not get paid that much! You'll need to be top 0.5-0.1% even in FAANG to get that much. I seriously doubt hedge fun...
by ARoseByAnyOtherName
Sat May 02, 2020 5:39 am
Forum: Personal Finance (Not Investing)
Topic: Is it safe to store financial statements in the cloud?
Replies: 48
Views: 3425

Re: Is it safe to store financial statements in the cloud?

I use OneDrive extensively, along with LastPass. OneDrive has a "personal vault" which is basically an encrypted container in your OneDrive storage. (I've never used it though... my stuff is just in the normal OneDrive space.) OneDrive Personal Vault does give extra protection in the form of needin...
by ARoseByAnyOtherName
Fri May 01, 2020 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Is it safe to store financial statements in the cloud?
Replies: 48
Views: 3425

Re: Is it safe to store financial statements in the cloud?

Check out this free service by Fidelity Labs (?)... fidsafe.com Otherwise, if using Dropbox, etc, I would first encrypt the files/folder using something like TrueCrypt.. just make sure that you keep the keys safe on several places (office, home, other relative's PCs). My 2cents. Pax beat me to it, ...
by ARoseByAnyOtherName
Fri May 01, 2020 8:44 pm
Forum: Investing - Theory, News & General
Topic: How to I invest in the self-driving car industry?
Replies: 64
Views: 3405

Re: How to I invest in the self-driving car industry?

I’m a former software engineer and now a doctor (MD). My nephew who has a doctorate in computer science and works in machine learning agrees with me. Self-driving cars are never ever going to happen. As in never be able to get in your car and drive you to work. Never ever as in not in your lifetime...
by ARoseByAnyOtherName
Fri May 01, 2020 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting a job after two weeks: relocation expenses
Replies: 196
Views: 17813

Re: Quitting a job after two weeks: relocation expenses

Based on earlier threads, it looks like the OP is 33 or 34, had a net worth of 2 million at one point, and was making 350k in tech, so might be making 700k-1M now. WHAT??!!! SWE ICs do not get paid that much! You'll need to be top 0.5-0.1% even in FAANG to get that much. I seriously doubt hedge fun...
by ARoseByAnyOtherName
Fri May 01, 2020 8:21 pm
Forum: Investing - Theory, News & General
Topic: Trading Baskets of Stocks
Replies: 27
Views: 1699

Re: Trading Baskets of Stocks

IndexCore wrote:
Fri May 01, 2020 8:15 pm
If you need the simplicity, Motif investing changes either $20 for real-time trades of a basket of stocks, or $10 if you're willing to be batched in with other trades.
Motif is also going out of business.

So.... I don’t recommend going that route.
by ARoseByAnyOtherName
Fri May 01, 2020 8:11 pm
Forum: Investing - Theory, News & General
Topic: The NYSE floor is closed...how do they reopen?
Replies: 14
Views: 1570

Re: The NYSE floor is closed...how do they reopen?

tvubpwcisla wrote:
Fri May 01, 2020 7:42 pm
The market has been up and running with the NYSE floor closed. I wonder what their plan is to reopen? Everytime I see it on TV it is packed with people screaming at each other to place orders.

:D
Why do they need to reopen?