Search found 29 matches

by Starting From Scratch
Wed Jun 13, 2018 4:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 182
Views: 24162

Re: Vaguard - You'll need to sign up for security codes soon

Vanguard needs to really add TOTP software security tokens instead of just SMS. +1 Vanguard needs to support TOTP, and they need to disallow bypassing a security key with SMS. YES! YES! YES! PLEASE Vanguard! I've written to Vanguard months ago requesting they move to using TOTP and removing SMS. I ...
by Starting From Scratch
Thu Nov 02, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Unable to Escape from Quicken Island ...
Replies: 66
Views: 8556

Re: Unable to Escape from Quicken Island ...

I have escaped. After trying a few alternatives, migrated to Moneydance. Not perfect; but there's a lot of untapped power under the hood, and the price is fair. I especially like the extensions capabilities. -- Tet In the attempt to find a Quicken replacement, I’ve been using Mondance for about a w...
by Starting From Scratch
Thu Oct 05, 2017 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Urge Vanguard to support better two-factor authentication
Replies: 5
Views: 2313

Re: Urge Vanguard to support better two-factor authentication

This is very important and urge everyone to reach out to Vanguard to improve 2FA, moving away from SMS text and implementing 2FA via Time-based One-time Password Algorithm (TOTP) and HMAC-based One-time Password Algorithm (HOTP) with Google Authenticator or any other authenticator of your choice. I ...
by Starting From Scratch
Sat Aug 05, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 516
Views: 78280

Re: Quicken's future direction - a cause for concern

sketchy9 wrote:I've tried everything else-- nothing does what Quicken does, as well as it does.
Unfortunately, this has been my experience as well.
by Starting From Scratch
Fri Aug 04, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: LastPass Premium price increasing
Replies: 32
Views: 4049

Re: LastPass Premium price increasing

Generator515 wrote:
Jeff Albertson wrote:You knew this would happen when Logmein bought Lastpass a couple of years ago for $110 million.
In fairness since they bought it they made most of the premium features free.
True. Everyone is moving to the subscription based business model and I wonder how long free will last.
by Starting From Scratch
Fri Aug 04, 2017 7:40 am
Forum: Personal Consumer Issues
Topic: LastPass Premium price increasing
Replies: 32
Views: 4049

Re: LastPass Premium price increasing

penumbra wrote:
runner3081 wrote:Well, now that they give you the mobile app in their "free" service, I just don't see a need for premium.
+1. The free service works just fine, including 2 factor authentication. Not sure of the value of the paid version.
Concur. No value in premium.
by Starting From Scratch
Thu Jul 13, 2017 7:00 am
Forum: Personal Consumer Issues
Topic: Best way to buy a iPAD
Replies: 13
Views: 1966

Re: Best way to buy a iPAD

catdude wrote:.Check B&H Photo Video. They had a sale recently on iPads and I got the local Best Buy to match their price on a Mini 4.
Plus, B&H Photo Video doesn't charge sales tax for shoppers outside New York and New Jersey.
by Starting From Scratch
Tue May 16, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Adblockers
Replies: 14
Views: 1894

Re: Adblockers

Highly recommend 1Blocker for Mac/iOS.

https://1blocker.com/
by Starting From Scratch
Mon Mar 27, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 19752

Re: Virtual Private Networks (VPNs)

This site may be helpful when comparing VPN services...

https://thatoneprivacysite.net/vpn-section/
by Starting From Scratch
Fri Mar 10, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 16764

Re: What to do with all these passwords ?

LastPass or KeePass. Both are great.
by Starting From Scratch
Fri Nov 04, 2016 11:28 am
Forum: Personal Consumer Issues
Topic: TrueCrypt Alternative
Replies: 15
Views: 2570

Re: TrueCrypt Alternative

VeraCrypt
by Starting From Scratch
Fri Oct 07, 2016 6:47 am
Forum: Personal Consumer Issues
Topic: 1Password on iOS
Replies: 13
Views: 1836

Re: 1Password on iOS

LastPass w/2-Factor Auth
by Starting From Scratch
Mon Jun 27, 2016 12:32 pm
Forum: Personal Consumer Issues
Topic: Recommend Ad Blockers
Replies: 56
Views: 6113

Re: Recommend Ad Blockers

For PCs: uBlock Origin and getting away from IE.

For Macs & iOS: 1Blocker
by Starting From Scratch
Mon Jan 04, 2016 2:42 pm
Forum: Personal Consumer Issues
Topic: VPN Service, personal. suggestions.
Replies: 23
Views: 3103

Re: VPN Service, personal. suggestions.

I use and would recommend Private Tunnel...

https://www.privatetunnel.com/home/

Pricing structure is great! Basically, pay for what you use vs monthly (or yearly) fee.
by Starting From Scratch
Mon Jan 04, 2016 12:46 pm
Forum: Personal Consumer Issues
Topic: WSJ having New Year subscription sale today
Replies: 2
Views: 760

Re: WSJ having New Year subscription sale today

Why subscribe when you can Google the article and get it for free??
by Starting From Scratch
Fri Oct 23, 2015 8:48 am
Forum: Personal Consumer Issues
Topic: Password Management
Replies: 75
Views: 7722

Re: Password Management

1Password fans and users, I would encourage you to read the transcript from the latest Security Now! podcast, #530. Specifically, starting at the bottom of page 19 through three-quarters of page 21 of the pdf (https://www.grc.com/securitynow.htm) for detail but the executive summary from Steve Gibso...
by Starting From Scratch
Sat Oct 10, 2015 7:31 am
Forum: Personal Consumer Issues
Topic: LogMeIn to acquire LastPass
Replies: 46
Views: 4361

Re: LogMeIn to acquire LastPass

Anyone know about or use Encryptr (link below) as an alternative? I know a lot of people use and like Keepass but from what I understand, KeePass is desktop only.?

https://encryptr.org/
by Starting From Scratch
Thu Oct 08, 2015 6:59 am
Forum: Personal Consumer Issues
Topic: TrueCrypt possibly compromised/unsafe to use.
Replies: 72
Views: 12620

Re: TrueCrypt possibly compromised/unsafe to use.

You should listen to the latest podcast (#528, Oct 6) before doing so. Steve has changed to waiting a bit longer.
by Starting From Scratch
Sat Jun 28, 2014 5:44 am
Forum: Personal Consumer Issues
Topic: N+ Routers
Replies: 27
Views: 2521

Re: N+ Routers

I would highly recommend the Netgear R7000 with third-party DD-WRT firmware (Specifically, KONG build 24345M). Fast, stable, secure and configurable.
by Starting From Scratch
Sun Feb 16, 2014 7:30 am
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 16696

Re: best tips for passwords?

+1 for LastPass and TrueCrypt!
by Starting From Scratch
Sat Jan 18, 2014 6:39 am
Forum: Investing - Help with Personal Investments
Topic: Is my return correct?
Replies: 6
Views: 1014

Re: Is my return correct?

Also, XIRR is an annualized number so data less than 12 months would need to be adjusted. In this case, I get 19.40%. Correct?
by Starting From Scratch
Wed Dec 04, 2013 7:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: Louisville, Ky. chapter
Replies: 36
Views: 4173

Re: Louisville, Ky. chapter

I would be interested in joining.
by Starting From Scratch
Thu Aug 22, 2013 2:53 pm
Forum: Investing - Theory, News & General
Topic: The Basics of Factor Investing
Replies: 19
Views: 2373

Re: The Basics of Factor Investing

In your article you mention a pricing model that compares cost per using of factor risk. Could you elaborate on this and give a calculated example? Maybe using PXSV (Invesco PowerShares Fundamental Pure Small Value) vs IJS (S&P 600 Value) since PXSV has been receiving some airtime recently. Is it ju...
by Starting From Scratch
Thu Aug 01, 2013 8:57 am
Forum: Investing - Theory, News & General
Topic: RAFI Fundamental Indexes(FI) vs. Russell FIs
Replies: 41
Views: 4213

Re: RAFI Fundamental Indexes(FI) vs. Russell FIs

Ah! Forgot about the index change, makes sense now.

Thanks to all!

It will be interesting to see if the fee waiver continues past Aug 31.
by Starting From Scratch
Thu Aug 01, 2013 7:46 am
Forum: Investing - Theory, News & General
Topic: RAFI Fundamental Indexes(FI) vs. Russell FIs
Replies: 41
Views: 4213

Re: RAFI Fundamental Indexes(FI) vs. Russell FIs

How can PXSV have 100% QDI for 2012 (according to InvescoPowershare) when 5% of portfolio is in real estate (according to M*)? Also, turnover is high, relative to IJS. PXSV 2006: 118 2007: 86 2008: 98 2009: 86 2010: 116 2011: 90 2012: 109 YTD: 31 IJS 2008: 23 2009: 34 2010: 52 2011: 31 2012: 30 YTD:...
by Starting From Scratch
Tue Dec 28, 2010 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-Managed vs. Non Tax-Managed Funds
Replies: 2
Views: 532

Tax-Managed vs. Non Tax-Managed Funds

I must be missing something. When comparing after-tax returns of Vanguard Small-Cap Value Index (VISVX) to the Tax-Manged Small-Cap Fund (VTMSX) for a taxable account, it makes me question the purpose of tax-managed funds. Average annual total return—after taxes on distributions (VISVX) (VTMSX) 1-ye...
by Starting From Scratch
Sun Jul 26, 2009 7:24 am
Forum: Investing - Help with Personal Investments
Topic: What's the TSM 500/small&med.: 80/20 or 70/30?
Replies: 13
Views: 2696

Why would someone not allocate 40% VFINX, 20% VIMSX and 40% NAESX in order to achieve equal weightings (as much as possible) within the style box? With 71% allocated to Large-Cap for TSM seems to me you are missing out on mid and small-caps which would not be the total market. Allocating into the 3 ...