Search found 79 matches

by geekpryde
Tue Nov 20, 2018 10:38 am
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 224
Views: 17177

Re: Vanguard lowering Admiral level to $3,000?

Last night I was getting the "You have no eligible funds" error message when trying to convert, but as of today 11/20/2019 conversion is working. Thought I would mention this so people who want to convert should try again.
by geekpryde
Tue Nov 20, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 224
Views: 17177

Re: Vanguard lowering Admiral level to $3,000?

Dumb question time: Do I need to worry about "timing" the conversion from Investor class to Admiral class so that I dont miss out on dividends? I would hate to convert and lose a month or quarters worth of dividends if I don't get into the new fund before the cutoff for the next distribution. I beli...
by geekpryde
Mon Sep 24, 2018 1:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard for business 401K?
Replies: 12
Views: 819

Re: Vanguard for business 401K?

Yes, I would strongly recommend Vanguard as a 401(k) provider, even for tiny plans. Thanks for your input! Did you use a TPA and who did you use and what were the costs involved? We are leaning toward making the move to Vanguard and appreciate any and all help we can get Our plan is administered by...
by geekpryde
Mon Sep 24, 2018 12:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard for business 401K?
Replies: 12
Views: 819

Re: Vanguard for business 401K?

About 12 months ago I went through the vendor selection and creation of a small company 401(k) startup (by startup I mean plans that dont yet exist, and therefore ZERO dollars in them, the business is not a startup). I was expecting about 50% of the company, or around 25 people to participate. We lo...
by geekpryde
Sun Aug 12, 2018 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: The Best HSA
Replies: 67
Views: 9293

Re: The Best HSA

I would also be interested in functionality for paying bills. I use the HSA for paying current medical bills as well as investing. I'd guess it is a simple matter to transfer money back to the base account and pay bills with it, but would not want to find out otherwise after-the-fact. FWIW, Lively ...
by geekpryde
Sun Aug 12, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: The Best HSA
Replies: 67
Views: 9293

Re: The Best HSA

I suggest you might benefit from reading up more on HSA's in the Bogleheads Wiki . The majority of people discussing their HSA's in the BH website are using them exclusively as a tax-free long-term investment vehicle and paying actual health bills directly out of pocket, not out of their valuable t...
by geekpryde
Sun Aug 12, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: The Best HSA
Replies: 67
Views: 9293

Re: The Best HSA

I see lots of talk about moving money from HSA to Investment account, but a lot less about the opposite direction. Forgive me this noob question: If I chose to move my TD Bank (not TD Ameritrade) HSA to https://livelyme.com/ , (which seems like a good choice based on this thread), I see that I can m...
by geekpryde
Fri Apr 27, 2018 7:39 am
Forum: Personal Consumer Issues
Topic: DIY Desktop PC
Replies: 43
Views: 2325

Re: DIY Desktop PC

The cooked-in graphics in most modern Intel desktop chips is really good. Meaning, unless you are a "gamer" you can totally skip the video card in normal uses. I tested a GPU-less system for a month while waiting for my dedicated card to come in stock, and it really surprised me. I HIGHLY recommend ...
by geekpryde
Thu Apr 26, 2018 8:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard: new display this morning?
Replies: 11
Views: 2805

Re: Vanguard: new display this morning?

Mine was changed as of 4/25/2017, and I've been waiting for other people here to notice and mention it. I didnt realized it wasn't eveyone, and I'm one of the "lucky" ones. :wink:

I'm fine with the changes, except my company 401(k) no longer appears in my account list of balances. :?
by geekpryde
Wed Nov 22, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: How do I sell silver coins?
Replies: 13
Views: 2200

Re: How do I sell silver coins?

For silver value only (as opposed to numismatic value) use this: http://www.coinflation.com/coins/silver_coin_calculator.html For selling to Bullion collectors, I recommend this site: https://www.cointalk.com/forums/ You would have to be a member and meet some other basic requirements to post a FSH ...
by geekpryde
Thu Sep 07, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 92
Views: 9642

Re: Bosch dishwasher?

I have had very good experience with Bosch dishwashers. Works well, very quiet. I will stick with the brand until I discover otherwise.
by geekpryde
Thu Aug 10, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: What's the deal with AMICA???
Replies: 21
Views: 4186

Re: What's the deal with AMICA???

I love AMICA, but don't have any claims yet thankfully. I wonder, if I had a couple of claims and got dropped, maybe I would not like them so much. I chose the dividend option, and really enjoy cashing that check twice per year (home/auto). It's not for everyone, and I dont go out of my way to recom...
by geekpryde
Tue Aug 08, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: Should I Buy a New Car?
Replies: 42
Views: 4121

Re: Should I Buy a New Car?

Buying a new car: probably a BAD financial decision. Buying a new car: can be very GOOD personal decision. I get extreme satisfaction from my car. I like to drive it, I like to clean it, I like to photograph it. I am in a Facebook group of ~3,000 owners of the same type of car, that we share stories...
by geekpryde
Thu Jun 01, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have a bucket to pay your mortgage or pay from core?
Replies: 36
Views: 3599

Re: Do you have a bucket to pay your mortgage or pay from core?

I use a bucket, always have, and always will. I like knowing that no matter what, the mortgage will be paid. I also don't want to see an extra 2k in my normal checking that vaporizes on the first of every month. I want to know what is really in there for spending.
by geekpryde
Mon Jan 18, 2016 2:31 pm
Forum: Personal Consumer Issues
Topic: Password Management and Safekeeping
Replies: 80
Views: 9554

Re: Password Management and Safekeeping

add my vote for KeePass. Love it, been a constant user for 5 years or so. I cant recommend it enough.
by geekpryde
Tue Jan 12, 2016 1:25 pm
Forum: Personal Consumer Issues
Topic: What Manga/Manhwa Have You Read Recently?
Replies: 40
Views: 4749

Re: What Manga/Manhwa Have You Read Recently?

My son, who is 10, loves:

Bleach by Tite Kubo

Fullmetal Alchemist by
Hiromu Arakawa

One Piece by Eiichiro Oda

Fairy Tail by Hiro Mashima

I personally have never read any, but I certainly buy alot!! :greedy
by geekpryde
Mon Sep 14, 2015 8:19 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3891
Views: 1087848

Re: What Movie Have You Recently Watched?

Saw Cinderella (2015) last night with wife and kids and that is was FANTASTIC!

http://www.imdb.com/title/tt1661199/

Highly recommended.
by geekpryde
Mon Aug 31, 2015 10:43 am
Forum: Personal Finance (Not Investing)
Topic: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]
Replies: 105
Views: 18061

Re: What is Your Plan B if Quicken dies?

etarini wrote:I have no Plan B; I just hope that Quicken survives.
+1
by geekpryde
Fri May 01, 2015 2:12 pm
Forum: Personal Consumer Issues
Topic: Karate for kids—Thoughts?
Replies: 47
Views: 4683

Re: Karate for kids—Thoughts?

My son has done BJJ for past 3 years, starting at age 9. He is very small for his age, about 3-4 years behind in terms of weight and size. BJJ is absolutely wonderful. It teaches his practical defense and offense. It teaches his confidence and discipline, and planning moves ahead, much like say Ches...
by geekpryde
Mon Apr 13, 2015 8:26 am
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 141
Views: 39395

Re: Netflix DVD delivery slowdown?

Yes, slowed down for me. Used to get the DVD exactly when they said I would, now I consistently get movies 1 day late. I don't blame Netflix, I blame the USPS. I work in direct mail, mail millions of pieces each week, and we track each piece using a service called USPS IMB Tracing (https://mailtrack...
by geekpryde
Mon Apr 13, 2015 8:19 am
Forum: Personal Consumer Issues
Topic: Microsoft's Surface 3- anyone considering?
Replies: 35
Views: 5104

Re: Microsoft's Surface 3- anyone considering?

Windows 8 was / is horrible on Desktop. I run Windows 8 on my Phone, and it works really well for small devices. That being said, I really like the Surface Pro and Surface for the time I have spent with them, and if I really had the money, I would buy a Surface now and upgrade it to Windows 10 as so...
by geekpryde
Mon Apr 13, 2015 8:14 am
Forum: Personal Consumer Issues
Topic: Cloud Storage
Replies: 44
Views: 7150

Re: Cloud Storage

I use Cubby, and really like it. But I don't really use the Cloud features, just Direct Sync between 5 pc's so my collection of photographs, documents, etc stay in sync. I have a few hundred GB and it works for me.

https://www.cubby.com/

I also use DropBox and OneDrive as needed.
by geekpryde
Mon Apr 13, 2015 8:06 am
Forum: Personal Consumer Issues
Topic: Password manager recommendations?
Replies: 86
Views: 12938

Re: Password manager recommendations?

Keepass here. I've been using it for many years, can't imagine life without it.
by geekpryde
Fri Apr 10, 2015 3:27 pm
Forum: Personal Consumer Issues
Topic: Has Anyone had a Credit Card Cancelled for not Using It
Replies: 51
Views: 10826

Re: Has Anyone had a Credit Card Cancelled for not Using It

One of my very oldest cards, a Sears card, was cancelled when I failed to use it during a 24 month period. I was very surprised they closed it on me without any notice, and I called and spoke to them about it. Basically, they said "That's our policy, move along". What stinks is that it killed the av...
by geekpryde
Thu Dec 11, 2014 1:53 pm
Forum: Investing - Theory, News & General
Topic: New HTTPS security bug, Vanguard servers vulnerable[Patched]
Replies: 39
Views: 5656

Vanguard site Very Vulnerable to ‘Poodle’ Bug

[Thread merged, see below. --admin LadyGeek] I don't like seeing Vanguard in a negative light when I make my normal daily blog rounds, but it occasionally happens: A cursory review using Qualys’s SSL/TLS scanning tool indicates that the Web sites for some of the world’s largest financial institutio...
by geekpryde
Mon Jan 20, 2014 4:13 pm
Forum: Investing - Theory, News & General
Topic: Who Invests 100% in Passive Index Funds/ETFs
Replies: 79
Views: 8350

Re: Who Invests 100% in Passive Index Funds/ETFs

Me: 100% Passive
Wife: 100% Passive
Kids: 100% Passive
Brother: 100% Passive
Niece: 100% Passive
Friends: NOT passive :-(
by geekpryde
Wed Nov 20, 2013 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Passwords
Replies: 65
Views: 9778

Re: Vanguard Passwords

Update on Vanguard Password policy. VG recently updated policy and increased max password length to 20 Chars, as mentioned in this post: http://www.bogleheads.org/forum/viewtopic.php?f=10&t=113186 See here: https://personal.vanguard.com/us/help/SecuritySecurePasswordsContent.jsp https://personal.van...
by geekpryde
Wed Oct 23, 2013 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken and Vanguard - Download Problem
Replies: 219
Views: 27105

Re: Quicken and Vanguard - Download Problem

OK, reconstructing this, with no help from Vanguard, I have to say. 1) Vanguard moved its Quicken download system, without telling customers, to new brokerage account numbers. This happened around Sept. 24. 2) Ancient history ... Somewhere along the line, probably, they told us those account number...
by geekpryde
Wed Oct 23, 2013 1:32 pm
Forum: Investing - Theory, News & General
Topic: What to Read After the Bogleheads Guide to Investing?
Replies: 25
Views: 3204

Re: What to Read After the Bogleheads Guide to Investing?

For sure: The Four Pillars of Investing: Lessons for Building a Winning Portfolio by William Bernstein

http://www.amazon.com/The-Four-Pillars- ... 0071747052
by geekpryde
Fri Jan 18, 2013 9:22 pm
Forum: Personal Consumer Issues
Topic: Buying a tablet...which one?
Replies: 42
Views: 3657

Re: Buying a tablet...which one?

Wife got a Nexus 7 for Christmas, she LOVES it. She loves it more than I would have predicted. I was 51% Nexus 7 and 49% KindleFire, after watching and reading many reviews. But in the end, Nexus 7 won out. On Christmas day, it turns out her sister got the Kindle Fire, and I had to set them both up ...
by geekpryde
Thu Jan 03, 2013 3:44 pm
Forum: Investing - Theory, News & General
Topic: Why do Vanguard and Fidelity have such weak passwords?
Replies: 86
Views: 8738

Re: Why do Vanguard and Fidelity have such weak passwords?

See this thread for much discussion on your topic.

http://www.bogleheads.org/forum/viewtop ... 1&t=106338

I use and love KeePass, which is how I found out about Vanguards password problems a few years ago.
by geekpryde
Wed Jan 02, 2013 6:25 pm
Forum: Personal Consumer Issues
Topic: Anyone using Quicken 2013?
Replies: 77
Views: 18072

Re: Anyone using Quicken 2013?

R10 for me on a 64 bit Windows 7 Pro machine is working fine and normal, no issues after a few days. But I waited until R10 to even try. I am not sure that R10 will magically fix files that were corrupted by R1..R9. Assuming you have the untouched data file, I would recommend a complete uninstall, a...
by geekpryde
Sat Dec 29, 2012 11:14 pm
Forum: Personal Consumer Issues
Topic: Anyone using Quicken 2013?
Replies: 77
Views: 18072

Re: Anyone using Quicken 2013?

Purchased and installed Quicken Home and Business 2013 TODAY, formerly using Quicken 2010. I made sure to make multiple backups of my data file, including offsite, prior to installing the new version. I also changed the default install directory, but I dont think this matters one bit. Quicken 2010 w...
by geekpryde
Sat Dec 29, 2012 11:06 pm
Forum: Personal Consumer Issues
Topic: Windows 8 on a real PC?
Replies: 61
Views: 5184

Re: Windows 8 on a real PC?

I've installed win8 three times (once as an RC). I really hated it the first few days I was playing with it, as I LOVE a traditional desktop like Win7. I maintain 50 Windows 7 pro machines where I work, and pretty much love Windows 7 as the perfect OS. The second time I installed it on a machine, I ...
by geekpryde
Sat Dec 29, 2012 10:57 pm
Forum: Personal Consumer Issues
Topic: Which Financial Software do You Use?
Replies: 51
Views: 5261

Re: Which Financial Software do You Use?

Quicken user since 2010, formerly a MS Money user. Bought Turbotax 2012 today on Amazon, got an $35.00 off coupon for Quicken 2013. Decided to pull the trigger even though Amazon reviews have been horrid, since r10 is now out and most of the major issues appear to be fixed. I upgraded from Quicken 2...
by geekpryde
Fri Dec 07, 2012 3:50 pm
Forum: Personal Consumer Issues
Topic: Vanguard is on the Password Hall of Shame.
Replies: 250
Views: 49544

Re: Vanguard is on the Password Hall of Shame.

I've been out of the business for a few years, but my understanding is that current best practice for financial services firms is to START with the assumption that the bad guys have the client's username and password. Then build out the security infrastructure from there. This is what I've been try...
by geekpryde
Thu Dec 06, 2012 8:17 pm
Forum: Personal Consumer Issues
Topic: Vanguard is on the Password Hall of Shame.
Replies: 250
Views: 49544

Re: Vanguard is on the Password Hall of Shame.

telemark wrote:If someone from Vanguard talks about the importance of using strong passwords, gently ask when Vanguard plans to start supporting them.
Here, here!

:sharebeer
by geekpryde
Wed Dec 05, 2012 7:15 pm
Forum: Personal Consumer Issues
Topic: Vanguard is on the Password Hall of Shame.
Replies: 250
Views: 49544

Re: Vanguard is on the Password Hall of Shame.

"F" VG - should not spend on passwords, because they would be a laughingstock in the press if they did. I have no idea why you think VG would be a laughingstock for increasing max password length. :confused [Two factor authentication] is the industry and regulatory trend. Schwab is considered a sec...
by geekpryde
Wed Dec 05, 2012 7:05 pm
Forum: Personal Consumer Issues
Topic: Vanguard is on the Password Hall of Shame.
Replies: 250
Views: 49544

Re: Vanguard is on the Password Hall of Shame.

"E" - VG should spend money on security and password length is one of the things to investigate, based on their insights I want them to spend the money most wisely, password length could be, but need not be part of that." Yes, I like your "E", and I'm sure there are other good options for my hypoth...
by geekpryde
Wed Dec 05, 2012 5:21 pm
Forum: Personal Consumer Issues
Topic: Vanguard is on the Password Hall of Shame.
Replies: 250
Views: 49544

Re: Vanguard is on the Password Hall of Shame.

...So, assuming someone gets ahold of say 10,000 VG accounts... This is a pure strawman argument. You chose this particular scenario out of all possible security breaches because it is the only one in which password length matters. There is nothing to indicate that this scenario is more likely at V...
by geekpryde
Wed Dec 05, 2012 12:52 pm
Forum: Personal Consumer Issues
Topic: Vanguard is on the Password Hall of Shame.
Replies: 250
Views: 49544

Re: Vanguard is on the Password Hall of Shame.

An interesting and relevant article posted yesterday: http://securityledger.com/new-25-gpu-monster-devours-passwords-in-seconds/ I assume that VG is hashing, maybe even salting. But it's just not good enough when you limit the passwords to a max 10 char size: In a test, the researcher’s system was a...
by geekpryde
Wed Dec 05, 2012 9:46 am
Forum: Personal Consumer Issues
Topic: Vanguard is on the Password Hall of Shame.
Replies: 250
Views: 49544

Re: Vanguard is on the Password Hall of Shame.

This thread is getting more play than previous threads on the same topic here, and also over at VG blog. For that, I have very happy, and even a little hopeful. This is a valuable discussion.

I hope that VG is listening.
by geekpryde
Tue Dec 04, 2012 4:38 pm
Forum: Personal Consumer Issues
Topic: Vanguard is on the Password Hall of Shame.
Replies: 250
Views: 49544

Re: Vanguard is on the Password Hall of Shame.

One thing to remember, even if Vanguard allowed much longer passwords, many users would still use easy to crack passwords. So, Vanguard might still have about the same level of financial risk from a data breach. It helps the specific users that use passwords that are very difficult to crack, but it...
by geekpryde
Tue Dec 04, 2012 3:10 pm
Forum: Personal Consumer Issues
Topic: Vanguard is on the Password Hall of Shame.
Replies: 250
Views: 49544

Re: Vanguard is on the Password Hall of Shame.

Ellen Rinaldi "is responsible for protecting client information, among other key responsibilities." This blog has been up for almost 3 years. Yeah, and you aren't seeing about 1/2 the comments that people took time to write, edit, and post, that never showed up in the comments. I fully agree that V...
by geekpryde
Tue Dec 04, 2012 12:39 pm
Forum: Personal Consumer Issues
Topic: Vanguard is on the Password Hall of Shame.
Replies: 250
Views: 49544

Re: Vanguard is on the Password Hall of Shame.

I have been a long time vanguard fan. I am a web application and network penetration security professional. I break into websites and networks for a living, find the flaws, and disclose them to the developers, and help them fix the issues. In all reality, the password policy for vanguard is horribl...
by geekpryde
Tue Dec 04, 2012 12:32 pm
Forum: Personal Consumer Issues
Topic: Vanguard is on the Password Hall of Shame.
Replies: 250
Views: 49544

Re: Vanguard is on the Password Hall of Shame.

Finally, changing password lengths can be a non-trivial process, depending on how complex the authentication code is and what sort of legacy systems are involved. It might take months of planning and testing to even get to the point of being able to change the password scheme. And if there is truly...
by geekpryde
Mon Dec 03, 2012 11:06 am
Forum: Personal Consumer Issues
Topic: Vanguard is on the Password Hall of Shame.
Replies: 250
Views: 49544

Re: Vanguard is on the Password Hall of Shame.

On the bottom of the website mentioned by the OP, there is a link to crackstation ! "Free Password Hash Cracker" So we're actually supposed to believe these folks are acting in our best interest? Really ? This all looks like some snotty nose high schoolers attempt to gain notoriety .. There are man...
by geekpryde
Mon Dec 03, 2012 9:41 am
Forum: Personal Consumer Issues
Topic: Vanguard is on the Password Hall of Shame.
Replies: 250
Views: 49544

Re: Vanguard is on the Password Hall of Shame.

Quite honestly, taking any account closure actions based on his assumptions page seems odd to me unless: (1) you already are using securely generated random passwords for all websites of >10 characters, (2) you are using different passwords for every website, (3) you are using 2-factor authenticati...
by geekpryde
Mon Dec 03, 2012 9:23 am
Forum: Personal Consumer Issues
Topic: Vanguard is on the Password Hall of Shame.
Replies: 250
Views: 49544

Re: Vanguard security ?

To my knowledge, we have never heard or had a post from anyone with a security problem at Vanguard. We shouldn't accept a poor process merely because so far it has produced a good outcome. Agreed. There have been plenty of banks that have been hacked, for many tens of millions of dollars, and the w...