Search found 128 matches

by ARoseByAnyOtherName
Wed Oct 16, 2019 8:41 am
Forum: Investing - Theory, News & General
Topic: Vanguard now supports Yubikey 5 and 5C
Replies: 43
Views: 6371

Re: Vanguard now supports Yubikey 5 and 5C

I don't know why Vanguard even bothers to update a whitelist of security keys instead of just supporting anything plugged in that uses the protocol. Even the crappiest security key is ten times more secure than SMS. It's not a whitelist of security keys, it's a whitelist of browsers. Firefox suppor...
by ARoseByAnyOtherName
Tue Oct 15, 2019 9:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard now supports Yubikey 5 and 5C
Replies: 43
Views: 6371

Re: Vanguard now supports Yubikey 5 and 5C

After the rep saw that I was having the same issue logging in he determined that the 5ci is not compatible because it has a plug on both ends (other end has the lightening plug for an iphone or iPad) and that only keys with plugs on one end will work. And only with the Chrome browser. What happens ...
by ARoseByAnyOtherName
Tue Oct 15, 2019 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Managing the pressure?
Replies: 20
Views: 4631

Re: Managing the pressure?

first post is confusing (hard to understand), write it more 'Big Bird' if you want some solutions. :thumbsup I am not familiar with 'Big Bird" as a colloquialism or as an adjective or adverb. I assume it's an allusion to Sesame Street and a way of saying 'dumbing it down' or simplifying so it can b...
by ARoseByAnyOtherName
Tue Oct 15, 2019 9:01 pm
Forum: Personal Investments
Topic: More than one Investment Company
Replies: 17
Views: 889

Re: More than one Investment Company

I've noticed that Fidelity and TIAA get a good amount of press on the forum. Just curious, is there an advantage to using more than one investment firm ? Do most have a Vanguard, and Fidelity account and if so, is there a specific reason ? Or, do most consider it easier and more convenient to just ...
by ARoseByAnyOtherName
Mon Oct 14, 2019 6:52 pm
Forum: Personal Consumer Issues
Topic: Old bourbon whisky
Replies: 16
Views: 2253

Re: Old bourbon whisky

If you don't know anything about bourbon, it's not worth your time to figure out if any of it is worth money. Let it go to someone who will enjoy it for what is rather than making a buck off your friend. :oops: Or maybe it’s a great time to make a buck of a friend and get a good drinking habit star...
by ARoseByAnyOtherName
Sat Oct 12, 2019 5:57 am
Forum: Personal Finance (Not Investing)
Topic: Managing the pressure?
Replies: 20
Views: 4631

Re: Managing the pressure?

five2one wrote:
Fri Oct 11, 2019 8:23 am
Been a while since I logged on and saw this thread pop back up and smiled for a variety of reasons.
Some of the advice had merits but most was not useful.
Why wasn’t it useful?
by ARoseByAnyOtherName
Fri Oct 11, 2019 9:38 pm
Forum: Personal Consumer Issues
Topic: lastpass noob question
Replies: 40
Views: 2925

Re: lastpass noob question

all they have to do is surf to whatever website, click log in, and lastpass will literally give them my login credentials. Still seems crazy to me. That this isn’t the default setting seems crazy to me. It should be. Most people either aren’t going to, or won’t know to, change this default setting....
by ARoseByAnyOtherName
Fri Oct 11, 2019 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing NYC co-op apt we don't live in, should we go 30-year fixed or 7/1 ARM?
Replies: 20
Views: 1753

Re: Refinancing NYC co-op apt we don't live in, should we go 30-year fixed or 7/1 ARM?

How long do you plan to own the house? One school of thought is to match the loan duration to length of expected ownership.

For example if you are planning to only keep the place for 5 more years there’s no need to get a 30 year loan - go for the lower interest rate.
by ARoseByAnyOtherName
Thu Oct 10, 2019 8:25 am
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 83
Views: 7851

Re: Fidelity to $0 Commissions

I guess this means we can quit posting in that other thread that asks when we will be moving our accounts out of Fidelity because of the commissions. We’ll just have to start a new thread where people who had free trades at Fidelity complain about how they aren’t special anymore now that everyone h...
by ARoseByAnyOtherName
Thu Oct 10, 2019 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Working in a different city
Replies: 32
Views: 1812

Re: Working in a different city

Part of my hesitation is that I really do feel like my current group is family, and 2 out of the 7 of us just announced they were moving to a job in a different part of the country, so the 5 remaining of us are going to have quite a hard schedule until we can recruit to replace the 2 that are leavi...
by ARoseByAnyOtherName
Thu Oct 10, 2019 6:12 am
Forum: Personal Finance (Not Investing)
Topic: Working in a different city
Replies: 32
Views: 1812

Re: Working in a different city

Part of my hesitation is that I really do feel like my current group is family, and 2 out of the 7 of us just announced they were moving to a job in a different part of the country, so the 5 remaining of us are going to have quite a hard schedule until we can recruit to replace the 2 that are leavi...
by ARoseByAnyOtherName
Thu Oct 10, 2019 6:00 am
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 83
Views: 7851

Re: Fidelity to $0 Commissions

I guess this means we can quit posting in that other thread that asks when we will be moving our accounts out of Fidelity because of the commissions. We’ll just have to start a new thread where people who had free trades at Fidelity complain about how they aren’t special anymore now that everyone h...
by ARoseByAnyOtherName
Thu Oct 10, 2019 5:53 am
Forum: Personal Investments
Topic: Fidelity Full View?
Replies: 47
Views: 5058

Re: Fidelity Full View?

Anybody still using this? I'd prefer to stick within Fidelity over Personal Capital. I went into my account this morning to enable full view and it takes me to a new "full view" login....but when I enter my Fido login credentials it doesn't work. Do I need a different login? Maybe they are just wor...
by ARoseByAnyOtherName
Thu Oct 10, 2019 5:48 am
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 83
Views: 7851

Re: Fidelity to $0 Commissions

This bit from the Boston Globe article was interesting: “The Boston-based firm, the largest online brokerage with almost 22 million accounts” I didn’t realize they were the largest online brokerage. That’s interesting - though also a little vague. What’s counted in “online@ and I wonder who the larg...
by ARoseByAnyOtherName
Thu Oct 10, 2019 5:42 am
Forum: Personal Consumer Issues
Topic: lastpass noob question
Replies: 40
Views: 2925

Re: lastpass noob question

all they have to do is surf to whatever website, click log in, and lastpass will literally give them my login credentials. Still seems crazy to me. As explained above, you can configure LastPass to require your master password on first use after opening your browser, to also require 2FA, to automat...
by ARoseByAnyOtherName
Thu Oct 10, 2019 5:37 am
Forum: Personal Investments
Topic: What should I do about employer / industry risk in tech?
Replies: 36
Views: 2919

Re: What should I do about employer / industry risk in tech?

The big success they're leveraging fundamentally comes from Windows, another successful business that's technically poor. The other major line of business they're leveraging for cloud is office, another business success that was technically unimpressive compared to the competition. If you want to a...
by ARoseByAnyOtherName
Wed Oct 09, 2019 9:45 pm
Forum: Personal Consumer Issues
Topic: lastpass noob question
Replies: 40
Views: 2925

Re: lastpass noob question

Thank you everyone for all your help. As I said, my concern was not that lastpass would be hacked; it was that anyone with access to my computer can now log in to any website I visit. So if someone steals my laptop, or say my deadbeat brother-in-law tries to get into my bank account while I'm in th...
by ARoseByAnyOtherName
Tue Oct 08, 2019 8:41 pm
Forum: Personal Consumer Issues
Topic: 3rd Party Scanner Software for ScanSnap S1300
Replies: 4
Views: 457

Re: 3rd Party Scanner Software for ScanSnap S1300

See if the built in Image Capture app on your Mac can control the scanner. It may not but it’s worth a shot.
by ARoseByAnyOtherName
Mon Oct 07, 2019 7:59 pm
Forum: Personal Consumer Issues
Topic: Document Storage: what format? (paper, fiche, scan,..?)
Replies: 43
Views: 3487

Re: Document Storage: what format? (paper, fiche, scan,..?)

Our corporate lawyer and accountant broke me of my tendency to save everything forever. Beyond what is required by the IRS or other authorities, you can’t be forced to search or produce in discovery what you don’t have. She really cringed when she heard how many tapes we archived of our email and g...
by ARoseByAnyOtherName
Sun Oct 06, 2019 7:49 pm
Forum: Personal Consumer Issues
Topic: Document Storage: what format? (paper, fiche, scan,..?)
Replies: 43
Views: 3487

Re: Document Storage: what format? (paper, fiche, scan,..?)

There's an angle to this question that I rarely see discussed: what documents do you need to keep the physical original copy of, VS. having a PDF file that's a scan of the original? Of course for official documents like Passports, signed/notarized Power of Attorney/Will/Medical Directives/etc you ne...
by ARoseByAnyOtherName
Sun Oct 06, 2019 7:45 pm
Forum: Personal Consumer Issues
Topic: Document Storage: what format? (paper, fiche, scan,..?)
Replies: 43
Views: 3487

Re: Document Storage: what format? (paper, fiche, scan,..?)

Our corporate lawyer and accountant broke me of my tendency to save everything forever. Beyond what is required by the IRS or other authorities, you can’t be forced to search or produce in discovery what you don’t have. She really cringed when she heard how many tapes we archived of our email and g...
by ARoseByAnyOtherName
Sun Oct 06, 2019 7:42 pm
Forum: Personal Consumer Issues
Topic: Document Storage: what format? (paper, fiche, scan,..?)
Replies: 43
Views: 3487

Re: Document Storage: what format? (paper, fiche, scan,..?)

I like the idea of a simple camera. I could use my stand-alone camera, take photos of all the documents I want. Then I could just keep all the photos on the SD card that the camera uses. And cut a CD/DVD as a backup. Will take time, but this may be the quickest. Thanks for that thought. I have a Fu...
by ARoseByAnyOtherName
Sun Oct 06, 2019 7:49 am
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 15033

Re: How many are switching from Fidelity?

I see multiple responses mention 2% cashback credit card. If you like that then you would love Bank of America’s 2.625% card. Need 100K+ in assets at Merrill to qualify for highest tier. Can I get 2.625% at Bank of America without putting 100K in assets at Merrill? I‘m not going to open an account ...
by ARoseByAnyOtherName
Sat Oct 05, 2019 8:33 pm
Forum: Personal Consumer Issues
Topic: Fidelity 2FA with google voice not working
Replies: 15
Views: 1333

Re: Fidelity 2FA with google voice not working

I have been considering going to apps or yubikey for my 2fa. I went with the google voice number to make it easier on my wife should I get hit by a bus. I think the google voice 2fa should be pretty safe. Not as safe as the app or the yubikey, but safer than the regular cell phone. If anyone thinks...
by ARoseByAnyOtherName
Sat Oct 05, 2019 8:29 pm
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 15033

Re: How many are switching from Fidelity?

I see multiple responses mention 2% cashback credit card. If you like that then you would love Bank of America’s 2.625% card. Need 100K+ in assets at Merrill to qualify for highest tier. Can I get 2.625% at Bank of America without putting 100K in assets at Merrill? I‘m not going to open an account ...
by ARoseByAnyOtherName
Fri Oct 04, 2019 8:08 pm
Forum: Personal Consumer Issues
Topic: Fidelity 2FA with google voice not working
Replies: 15
Views: 1333

Re: Fidelity 2FA with google voice not working

Some services will not allow 2FA to VoIP numbers, you may want to check their website or call about that. 2FA to txt is a less secure means of 2FA. Something like a YubiKey encryption token would be more secure. Fidelity supports using the Symantec VIP app for 2FA. Much more secure than SMS. They d...
by ARoseByAnyOtherName
Fri Oct 04, 2019 3:47 pm
Forum: Personal Investments
Topic: HEDGEFUNDIE's portfolio: How to create it?
Replies: 39
Views: 2251

Re: HEDGEFUNDIE's portfolio: How to create it?

So I have VTSAX (Total Stock Index Fund) in Vanguard taxable and Roth IRA. What's the recommended way to move these two accounts to M1 Finance? Appreciate any guidance. Thanks open an m1 account. request a transfer. you will need to send statments for your roth and taxable account. they will transf...
by ARoseByAnyOtherName
Thu Oct 03, 2019 7:07 pm
Forum: Personal Consumer Issues
Topic: Bose discontinues SleepBuds
Replies: 7
Views: 1101

Re: Bose discontinues SleepBuds

Received an e-mail today that Bose is discontinuing its Sleepbuds because "the product is not the quality we expect at Bose." Bose is offering a full refund if you send them back. Here's the issue. I like mine. They work. The issues that others are having do not affect me. I would like to keep them...
by ARoseByAnyOtherName
Tue Oct 01, 2019 9:44 pm
Forum: Personal Investments
Topic: Considering switch from Vanguard to eTrade...pros, cons and other input?
Replies: 48
Views: 3055

Re: Considering switch from Vanguard to eTrade...pros, cons and other input?

I think your reasoning and analysis of the situation is very solid. I don’t at all understand those who slavishly choose to not understand your points or who parrot “stay the course”. I encourage you to take the advice of the poster who suggested opening a set of E*TRADE accounts with a small amount...
by ARoseByAnyOtherName
Tue Oct 01, 2019 9:28 am
Forum: Personal Consumer Issues
Topic: Architect vs General Contractor? Want to do an addition to house (maybe)
Replies: 21
Views: 1072

Re: Architect vs General Contractor? Want to do an addition to house (maybe)

Hire an architect.

Buy this book and read it cover to cover:

What Your Contractor Can't Tell You: The Essential Guide to Building and Renovating https://www.amazon.com/dp/0979983800/
by ARoseByAnyOtherName
Mon Sep 30, 2019 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: IT compensation comparison
Replies: 256
Views: 20726

Re: IT compensation comparison

I’m blown away that a LCOL 6 year SDE is clearing 350k Really did myself a disservice going into a hard science engineering field post-2000 tech bubble Should have gambled it on software instead In hindsight maybe, but it wasn't so obvious at the time. I was a laid off software engineer in the earl...
by ARoseByAnyOtherName
Sat Sep 28, 2019 5:59 am
Forum: Personal Investments
Topic: Fidelity vs Vanguard: Free wire!
Replies: 22
Views: 1996

Re: Fidelity vs Vanguard: Free wire!

For the most recent car I purchased, the dealer would only accept a cashiers check or wire (if I didn't finance it). I wound up using a cashiers check from the bank I was using at the time, and it's one of the things that I wonder if I could have done with Fidelity. Anyone have any experience getti...
by ARoseByAnyOtherName
Sat Sep 28, 2019 4:57 am
Forum: Personal Finance (Not Investing)
Topic: financially clueless senior MIL who thinks she’s rich
Replies: 162
Views: 19360

Re: financially clueless senior MIL who thinks she’s rich

If you are talking to an elder care attorney you need to have him give you an asset protection plan to prevent spending much of your loved ones assets. Those assets are meant to stay in the family, after all. SNFs are vultures when it comes to this area. You don’t want a loved ones stay to be a tot...
by ARoseByAnyOtherName
Fri Sep 27, 2019 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: IT compensation comparison
Replies: 256
Views: 20726

Re: IT compensation comparison

fwellimort wrote:
Fri Sep 27, 2019 3:39 pm
Also, there's a good reason why developers in these tech firms get paid so much. The interview process is very very rigorous.
The reason developers in these tech firms get paid so much has absolutely nothing to do with the interview process.
by ARoseByAnyOtherName
Fri Sep 27, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: financially clueless senior MIL who thinks she’s rich
Replies: 162
Views: 19360

Re: financially clueless senior MIL who thinks she’s rich

Wow I did not know about this. We definitely need to do some more research. There's probably a different forum or website for that. Somebody has suggested a website agingcare.com. I have just started looking into Medicare, Medicaid, etc. Some point we might have to talk to an elder law attorney. I ...
by ARoseByAnyOtherName
Thu Sep 26, 2019 5:06 am
Forum: Personal Finance (Not Investing)
Topic: IT compensation comparison
Replies: 256
Views: 20726

Re: IT compensation comparison

The difference between tech and those other fields is that tech’s front door is meritocratic. Anyone with the right skill level (or willing to spend the requisite hours on leetcode) can get in at any time. Getting down leveled just means you’re not as talented as you thought. https://istechameritoc...
by ARoseByAnyOtherName
Wed Sep 25, 2019 8:33 am
Forum: Personal Investments
Topic: Advice, for recently "discovered" stock grants (RSU's?)
Replies: 18
Views: 996

Re: Advice, for recently "discovered" stock grants (RSU's?)

Sell it now, and her next scheduled window of opportunity, and take the lump sum as well as the tax loss that you can use to offset future (or other current) capital gains.
by ARoseByAnyOtherName
Tue Sep 24, 2019 9:56 pm
Forum: Personal Consumer Issues
Topic: IOS to do app
Replies: 14
Views: 817

Re: IOS to do app

Some good reviews (both personal and public) for Wunderlist. I just checked it out. it looks like Microsoft bought them or something like that? Have you tried the software? What are your thoughts? Thanks. Don’t use Wunderlist. Microsoft bought the company and has them working on a new To Do app. Th...
by ARoseByAnyOtherName
Tue Sep 24, 2019 9:38 pm
Forum: Personal Consumer Issues
Topic: Repair or replace a bathroom sink
Replies: 20
Views: 1346

Re: Repair or replace a bathroom sink

harrad wrote:
Tue Sep 24, 2019 8:21 pm
Accidents happen. I don't believe people should be penalized for telling the truth.
Kudos for having a warm heart!
un: unclescrooge has a warm heart? What a country!!!
by ARoseByAnyOtherName
Mon Sep 23, 2019 8:33 am
Forum: Personal Consumer Issues
Topic: Someone stole my wife's phone number (ie. ported to another carrier)
Replies: 52
Views: 5038

Re: Someone stole my wife's phone number (ie. ported to another carrier)

This website gives you info of technology that each company had adopted. For example, Vanguard actually uses hardware 2 factor authentication. https://twofactorauth.org/ https://investor.vanguard.com/security/security-keys I’m pretty sure vanguard has automatic fallback to SMS if you chose to use a...
by ARoseByAnyOtherName
Sat Sep 21, 2019 8:22 pm
Forum: Personal Consumer Issues
Topic: Is it out-of-style for business women to wear pantyhose?
Replies: 19
Views: 3871

Re: Is it out-of-style for business women to wear pantyhose?

It probably depends on the industry. In the tech world (FAANG/startup/product company) it probably doesn't matter as long as it looks professional. Others industries may vary widely, I'm not sure.
by ARoseByAnyOtherName
Thu Sep 19, 2019 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Downsizing House to Apartment
Replies: 8
Views: 1121

Re: Downsizing House to Apartment

Someone drove up from NC to buy all of my albums (could kick myself now); I had no idea the covers were collectable. Sometimes old vinyl record collections can be worth serious money. It really depends on what you have. If your collection was all Eagles and other albums that you can buy for $3 at t...
by ARoseByAnyOtherName
Thu Sep 19, 2019 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: What are the rules around signing up for a business credit card?
Replies: 35
Views: 2643

Re: What are the rules around signing up for a business credit card?

What are the benefits of signing up for a business credit card? Why would a consumer even consider it? Once you hit the 5/24 rule on personal cards, you can move onto business cards for churning bonuses. Thanks to you and 7eight9 for the info. It’s not for me, especially with the grey areas involve...
by ARoseByAnyOtherName
Thu Sep 19, 2019 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: What are the rules around signing up for a business credit card?
Replies: 35
Views: 2643

Re: What are the rules around signing up for a business credit card?

What are the benefits of signing up for a business credit card? Why would a consumer even consider it?
by ARoseByAnyOtherName
Thu Sep 19, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 8763

Re: Do You Tip At Counter Service Restaurants?

Starfish wrote:
Wed Sep 18, 2019 12:40 pm
And how many people do you know who go to bars often say 1-2-3 times a week? Because that is common in Europe (more or less, depending on country), and very uncommon in US.
Do you have a citation or data to back this up?
by ARoseByAnyOtherName
Tue Sep 17, 2019 10:46 pm
Forum: Investing - Theory, News & General
Topic: Don't confuse strategy with outcome:
Replies: 94
Views: 5567

Re: Don't confuse strategy with outcome:

Check out the book Thinking in Bets by Annie Duke: https://www.amazon.com/Thinking-Bets-Making-Smarter-Decisions/dp/0735216355/ It really gets to the heart of strategy vs outcome. I learned a lot from it and I believe the lessons are widely applicable, even to investing. If you’re a podcast type thi...
by ARoseByAnyOtherName
Tue Sep 17, 2019 10:40 pm
Forum: Personal Consumer Issues
Topic: Home energy/electricity monitoring?
Replies: 56
Views: 2755

Re: Home energy/electricity monitoring?

What is your cost per kWh? This was for 1705 kWh, so the math says about 10.6 cents/kWh. I find it very misleading how Eversource advertises our prices. The website says 10.4 cents/kWh, but they don't point out that delivery charges more than double the cost. We used 922 kWh last month with a total...
by ARoseByAnyOtherName
Tue Sep 17, 2019 8:16 pm
Forum: Personal Consumer Issues
Topic: Home energy/electricity monitoring?
Replies: 56
Views: 2755

Re: Home energy/electricity monitoring?

I'd start with turning off anything that use electricity including the refrigerator (it'll be OK for a few hours) and watching your meter. Get a battery-powered headlamp if you need light. If the meter is running when you have everything powered off, then you have to figure that out. I am aware of ...
by ARoseByAnyOtherName
Tue Sep 17, 2019 8:11 pm
Forum: Investing - Theory, News & General
Topic: Spreadsheets
Replies: 77
Views: 5916

Re: Spreadsheets

finfire wrote:
Tue Sep 17, 2019 10:04 am
Nope. I dont' have any desire to duplicate what is already mostly provided by my financial providers.
How do you see your overall net worth (assuming you have assets at multiple providers, which it sounds like you do?)