Search found 44 matches

by VictorStarr
Fri Nov 20, 2020 6:23 pm
Forum: Investing - Theory, News & General
Topic: Fed up With Flagship
Replies: 284
Views: 18258

Re: Fed up With Flagship

These secrets like no-cost advisors for a mere $250K of assets, upon request, and waivers of purchase fees, upon request, aren't going to stay secret very long if you all keep posting them to the internet. I'd recommend keeping them close hold so 1000s of free loading Bogleheads don't descend on Fi...
by VictorStarr
Fri Nov 20, 2020 5:32 pm
Forum: Investing - Theory, News & General
Topic: Fed up With Flagship
Replies: 284
Views: 18258

Re: Fed up With Flagship

Edit - as a followup to Kompass’s post, I seem to recall past BH posts that some were able to negotiate no-fee purchases of Vanguard mutual funds as part of transferring their portfolio from Vanguard to Fidelity. If I decide to move investments from Vanguard to Fidelity I am going to ask Fidelity t...
by VictorStarr
Fri Nov 20, 2020 3:35 am
Forum: Personal Finance (Not Investing)
Topic: Logistics of buying new car with cash
Replies: 55
Views: 3689

Re: Logistics of buying new car with cash

I bought last car a year ago.
Paid $5,000 by credit card and the rest via personal check at delivery.
by VictorStarr
Fri Nov 20, 2020 3:27 am
Forum: Investing - Theory, News & General
Topic: Fed up With Flagship
Replies: 284
Views: 18258

Re: Fed up With Flagship

To best of my knowledge Fidelity has following levels: - $250K- Fidelity Premium Services (an assigned representative, separate phone number) - $1M - Fidelity Private Clients Fidelity does not advertise their service levels. I had ancient ESPP account with Fidelity and a couple of years ago I got F...
by VictorStarr
Fri Nov 20, 2020 3:23 am
Forum: Investing - Theory, News & General
Topic: Fed up With Flagship
Replies: 284
Views: 18258

Re: Fed up With Flagship

Very curious about Fidelity Private Client. I have more than 1 million in non-401k assets with Fidelity, but only have Fidelity Premium Services, and don't have a picture of a named advisor when I log in. Every time I call in and ask about Private Client, I'm told that Premium Services and Private ...
by VictorStarr
Thu Nov 19, 2020 4:42 pm
Forum: Investing - Theory, News & General
Topic: Fed up With Flagship
Replies: 284
Views: 18258

Re: Fed up With Flagship

To best of my knowledge Fidelity has following levels: - $250K- Fidelity Premium Services (an assigned representative, separate phone number) - $1M - Fidelity Private Clients Fidelity does not advertise their service levels. I had ancient ESPP account with Fidelity and a couple of years ago I got Fi...
by VictorStarr
Tue Nov 17, 2020 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1693
Views: 245776

Re: Fidelity as a one stop shop

Can someone clarify for me what the 'best' money market fund to have in the sweep/CMA account is right now? I am thinking of starting to use this more like a High yield checking account. Currently I've got a little bit in there and it says it is in SPAXX. Earlier in this thread I saw people mention...
by VictorStarr
Mon Nov 16, 2020 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1693
Views: 245776

Re: Fidelity as a one stop shop

Can someone clarify for me what the 'best' money market fund to have in the sweep/CMA account is right now? I am thinking of starting to use this more like a High yield checking account. Currently I've got a little bit in there and it says it is in SPAXX. Earlier in this thread I saw people mention...
by VictorStarr
Mon Nov 16, 2020 3:55 pm
Forum: Personal Consumer Issues
Topic: Microsoft urges users to stop using phone-based multi-factor authentication
Replies: 83
Views: 8889

Re: Microsoft urges users to stop using phone-based multi-factor authentication

Following this conversation I switched my 2FA at Vanguard from mobile to Google Voice. SMS to Google Voice did not work for me but call works every time. Google account is protected by 2FA with app authenticator. With this change I eliminated threat of SIM swap attack but passing security code over ...
by VictorStarr
Sun Nov 15, 2020 4:18 pm
Forum: Personal Consumer Issues
Topic: Microsoft urges users to stop using phone-based multi-factor authentication
Replies: 83
Views: 8889

Re: Microsoft urges users to stop using phone-based multi-factor authentication

This whole situation seems ridiculous, why all these financial companies that have trillions AUM and have 10-250 thousand employees can not provide support for hardware and software authenticators? If fintech startups and small credit union can offer robust support for 2FA any national bank or inve...
by VictorStarr
Sat Nov 14, 2020 10:36 pm
Forum: Personal Consumer Issues
Topic: Microsoft urges users to stop using phone-based multi-factor authentication
Replies: 83
Views: 8889

Re: Microsoft urges users to stop using phone-based multi-factor authentication

I call BS on people losing their phone number. It's impossible to accidentally lose your phone number. People lose their mobile phone number when they lose employment and the phone was employer-paid (and they couldn’t or forgot to transfer it). They lose their phone number when they relocate and wa...
by VictorStarr
Sat Nov 14, 2020 3:24 am
Forum: Personal Consumer Issues
Topic: Microsoft urges users to stop using phone-based multi-factor authentication
Replies: 83
Views: 8889

Re: Microsoft urges users to stop using phone-based multi-factor authentication

If financial institutions were losing a lot of money to hacking, they would increase security. Since they are not ramping up security (i.e. requiring hardware keys, bioinformatics, etc), it must mean they are not losing a sufficient amount of money to hacking. My banks and credit cards don't even r...
by VictorStarr
Fri Nov 13, 2020 7:42 pm
Forum: Personal Consumer Issues
Topic: Microsoft urges users to stop using phone-based multi-factor authentication
Replies: 83
Views: 8889

Re: Microsoft urges users to stop using phone-based multi-factor authentication

I use app authenticators to login to at least a dozen of different sites (password manager, email, social, government, investments, etc). Lately, the facts that my banks and Vanguard do not offer support for an app authenticator have been really bothering me. This encouraged me to check 2FA support ...
by VictorStarr
Thu Nov 12, 2020 8:36 pm
Forum: Personal Consumer Issues
Topic: Is Fidelity credit card portal down?
Replies: 3
Views: 347

Re: Is Fidelity credit card portal down?

Working fine.
I forgot about existence of the https://login.fidelityrewards.com site.
I always login to Fidelity and check credit card info following Cash Management/Credit Card links.
by VictorStarr
Thu Nov 05, 2020 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1693
Views: 245776

Re: Fidelity as a one stop shop

Is it possible to put Purchases and Teller Advance to 0 (zero) dollars? Essentially making the Fido debit card an ATM only card? I am not sure, Fidelity reduced Purchases and Teller Advance limits to $1000 (on one of my debit card). Just send them a message a request a change. If request for zero l...
by VictorStarr
Tue Nov 03, 2020 4:14 pm
Forum: Investing - Theory, News & General
Topic: Disappointed with Fidelity's Online Interface
Replies: 78
Views: 7843

Re: Disappointed with Fidelity's Online Interface

I have multiple accounts with Vanguard, Fidelity and Schwab. I do not enjoy using these sites. Here are my thoughts on esthetics and usability: - Vanguard (multiple accounts, ~15 years): Interface is simplistic and straightforward, but has limited functionality, good for casual users. Functionality ...
by VictorStarr
Mon Nov 02, 2020 8:46 pm
Forum: Personal Consumer Issues
Topic: Username and password are not required to get access to Vanguard account
Replies: 90
Views: 7638

Re: Username and password are not required to get access to Vanguard account

OP: Sorry if I missed this above but regarding the SMS code referred to above, could you provide any phone number or did it have to be a number already linked to the account? I think you can change "security code settings" on this page: https://personal.vanguard.com/us/XHTML/com/vanguard/...
by VictorStarr
Mon Nov 02, 2020 6:38 pm
Forum: Personal Consumer Issues
Topic: Username and password are not required to get access to Vanguard account
Replies: 90
Views: 7638

Re: Username and password are not required to get access to Vanguard account

In my reply I pointed out that one of the statements: >> Vanguard does not maintain a record of website passwords. This means that anyone who forgets his or her password must correctly answer a security question to gain online access. Is not correct, I was not asked to answer security question. Also...
by VictorStarr
Mon Nov 02, 2020 6:35 pm
Forum: Personal Consumer Issues
Topic: Username and password are not required to get access to Vanguard account
Replies: 90
Views: 7638

Re: Username and password are not required to get access to Vanguard account

Today, I receive message from Vanguard. Basically, it is a canned response that did not address any specific issues. Here you are: Dear Xxx: Thank you for your e-mail regarding updating your username and password. Vanguard takes the security of your account very seriously. You posed some great quest...
by VictorStarr
Sun Nov 01, 2020 2:18 am
Forum: Personal Finance (Not Investing)
Topic: Check for a Fidelity Credit Card Spending Bonus
Replies: 27
Views: 2905

Re: Check for a Fidelity Credit Card Spending Bonus

SmileyFace wrote: Sat Oct 31, 2020 9:48 am No offer for me. Does someone have a link to an offer page?
Offer page is personalized, it shows owner name, last four digits of account number and minimum spending.
by VictorStarr
Fri Oct 30, 2020 3:55 pm
Forum: Personal Consumer Issues
Topic: Username and password are not required to get access to Vanguard account
Replies: 90
Views: 7638

Re: Username and password are not required to get access to Vanguard account

BTW, this problem is old.
In 2016 another member - mptfan raised concerns about the same issue.

viewtopic.php?t=196280
by VictorStarr
Fri Oct 30, 2020 3:45 pm
Forum: Personal Consumer Issues
Topic: Username and password are not required to get access to Vanguard account
Replies: 90
Views: 7638

Re: Username and password are not required to get access to Vanguard account

I sent message to Vanguard and expressed my concern about unsecure procedure to reset username/password.
I'll post update when Vanguard reply.
by VictorStarr
Fri Oct 30, 2020 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Check for a Fidelity Credit Card Spending Bonus
Replies: 27
Views: 2905

Re: Check for a Fidelity Credit Card Spending Bonus

The fine print on the offer I received: Once you spend a net of $5,500 during the promotion period, additional net purchases (net purchases are purchases minus credits and returns) will be awarded 3 Bonus Points per dollar spent (up to 2,000 Bonus Points) in addition to the 2 points you already ear...
by VictorStarr
Thu Oct 29, 2020 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Check for a Fidelity Credit Card Spending Bonus
Replies: 27
Views: 2905

Re: Check for a Fidelity Credit Card Spending Bonus

Interesting, I have a minimum spend of $2,100.

Three of us have wildly different threshold amounts.
by VictorStarr
Thu Oct 29, 2020 10:24 pm
Forum: Personal Consumer Issues
Topic: Username and password are not required to get access to Vanguard account
Replies: 90
Views: 7638

Re: Username and password are not required to get access to Vanguard account

So basically someone can re-register and it doesn’t give a conflict that there are two accounts? I guess newly created account just replace previous account. Important fact, that Vanguard even did not send me SMS alert when I re-register and created new username/password. At the same day, I changed...
by VictorStarr
Thu Oct 29, 2020 10:02 pm
Forum: Personal Consumer Issues
Topic: Username and password are not required to get access to Vanguard account
Replies: 90
Views: 7638

Re: Username and password are not required to get access to Vanguard account

If someone has access to all of the information you listed AND has access to your phone, you’ve got a pretty big problem on your hands. Two-factor authentication means that user should present two pieces of evidence to an authentication mechanism: - username/password - code (SMS, authenticator, or ...
by VictorStarr
Thu Oct 29, 2020 9:39 pm
Forum: Personal Consumer Issues
Topic: Username and password are not required to get access to Vanguard account
Replies: 90
Views: 7638

Re: Username and password are not required to get access to Vanguard account

If someone has access to all of the information you listed AND has access to your phone, you’ve got a pretty big problem on your hands. Two-factor authentication means that user should present two pieces of evidence to an authentication mechanism: - username/password - code (SMS, authenticator, or ...
by VictorStarr
Thu Oct 29, 2020 9:27 pm
Forum: Personal Consumer Issues
Topic: Username and password are not required to get access to Vanguard account
Replies: 90
Views: 7638

Re: Username and password are not required to get access to Vanguard account

OP, Have you notified Vanguard about your concerns? I agree that Vanguard should offer better two-factor authentication (e.g., app-based two-factor authentication). But, for what it's worth, Vanguard does offer the ability to restrict account access to recognized devices only. Nope, I did not notif...
by VictorStarr
Thu Oct 29, 2020 9:08 pm
Forum: Personal Consumer Issues
Topic: Username and password are not required to get access to Vanguard account
Replies: 90
Views: 7638

Re: Username and password are not required to get access to Vanguard account

Iconicus wrote: Thu Oct 29, 2020 8:28 pm Is this true when you do so from a computer (ip address) that you haven't accessed your vanguard account from previously?
I have been traveling for last six weeks. My computer may have the same IP address earlier this week but it is not my usual home/work VPN IP address.
by VictorStarr
Thu Oct 29, 2020 9:04 pm
Forum: Personal Consumer Issues
Topic: Username and password are not required to get access to Vanguard account
Replies: 90
Views: 7638

Re: Username and password are not required to get access to Vanguard account

MFD wrote: Thu Oct 29, 2020 4:55 pm I think you will receive a physical letter thanking you for signing up for access, before the 14 day window expires.
I may receive a physical letter. It may not work for people that travel.
by VictorStarr
Thu Oct 29, 2020 9:02 pm
Forum: Personal Consumer Issues
Topic: Username and password are not required to get access to Vanguard account
Replies: 90
Views: 7638

Re: Username and password are not required to get access to Vanguard account

goodenyou wrote: Thu Oct 29, 2020 4:40 pm Maybe your voice was your password. “At Vanguard, your voice is your password”.
I wish. My voice as password is active. But Vanguard did not use it to authorize password reset.
by VictorStarr
Thu Oct 29, 2020 9:01 pm
Forum: Personal Consumer Issues
Topic: Username and password are not required to get access to Vanguard account
Replies: 90
Views: 7638

Re: Username and password are not required to get access to Vanguard account

If someone has access to all of the information you listed AND has access to your phone, you’ve got a pretty big problem on your hands. Two-factor authentication means that user should present two pieces of evidence to an authentication mechanism: - username/password - code (SMS, authenticator, or ...
by VictorStarr
Thu Oct 29, 2020 4:18 pm
Forum: Personal Consumer Issues
Topic: Username and password are not required to get access to Vanguard account
Replies: 90
Views: 7638

Username and password are not required to get access to Vanguard account

Tl;dr - it is easy to gain access to a Vanguard account without knowing account username, password, security question or voice verification. All one need to know is full name, SSN, DOB, zipcode (Equifax leak), account number and hijack SMS messages. Vanguard already weak 2-factor authentication (due...
by VictorStarr
Wed Oct 21, 2020 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Software Developers - should I look for a new job?
Replies: 16
Views: 1703

Re: Software Developers - should I look for a new job?

Many of your criteria (low stress, interesting projects) are more related to your perception of work. The good new, many tech companies recently announced transition to permanent remote for whole company or new positions: - Dropbox, Twitter, Square made remote permanent. - Facebook hires senior engi...
by VictorStarr
Thu Oct 15, 2020 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1693
Views: 245776

Re: Fidelity as a one stop shop

FYI: it seems that it became easier to change ATM daily limit for CMA accounts. Six month ago my wife spent at least half an hour on a phone with CSR to increase ATM limit to $1000 and decrease other limits to $1000. This week, I decided to increase withdrawal limit to $1020 for another CMA account....
by VictorStarr
Wed Oct 14, 2020 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1693
Views: 245776

Re: Fidelity as a one stop shop

Lately, I faced a problem of transfering money to accounts that I do not own (my adult children). If you co-own an account you can use ACH transfer, but it is not possible to link account that does not belong to you. I found that I can use BillPay to transfer money to arbitrary Fidelity accounts (a...
by VictorStarr
Wed Oct 14, 2020 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1693
Views: 245776

Re: Fidelity as a one stop shop

Lately, I faced a problem of transfering money to accounts that I do not own (my adult children). If you co-own an account you can use ACH transfer, but it is not possible to link account that does not belong to you. I found that I can use BillPay to transfer money to arbitrary Fidelity accounts (an...
by VictorStarr
Fri Feb 14, 2020 12:28 am
Forum: Personal Finance (Not Investing)
Topic: Apple Card
Replies: 125
Views: 13897

Re: Apple Card

There are many cards with better rewards or more cash back. I agree, it is not the card for people that optimize for the last 0.625% and use Mint to aggregate information for multiple cards. The card is better suited for people that value simplicity, convinience and integration with iPhone ecosystem.
by VictorStarr
Thu Feb 13, 2020 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Card
Replies: 125
Views: 13897

Re: Apple Card

One more feature - simple application process. You do application in the Apple Wallet and in a few seconds it would be processed and you would see your limit and interest rate. Only if you accept the offer, Goldman Sachs would do the hard pull.
by VictorStarr
Thu Feb 13, 2020 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Card
Replies: 125
Views: 13897

Re: Apple Card

I got my card "by mistake" to buy Apple watch back in December (promotional 6% cash back). In a month, the card became my default card for Apple Pay. I did not requested a physical card (1% cash back). Here are my favorite features: - security: Apple Pay is substantially more secure than o...
by VictorStarr
Fri Feb 07, 2020 2:17 am
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Medical Devices or Data Science/Machine Learning
Replies: 30
Views: 1734

Re: Career Advice: Medical Devices or Data Science/Machine Learning

I would advice you to try find a company where you can directly use your experience in neurotechnology and machine learning. I am sure that there a few companies in Bay area working in this direction. It is better to start at project where you have a domain expertise. Later you can branch to other d...
by VictorStarr
Wed Feb 05, 2020 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: who do you bank with and why?
Replies: 137
Views: 12225

Re: who do you bank with and why?

Over the last 20 years I had PMA checking account with Wells Fargo and used Vanguard MMF for savings. It worked relatively well but a few months ago I decided to optimize my financial institutions and accounts for next 20 years. I already had a 401K and Visa with Fidelity so I opened Fidelity CMA (c...
by VictorStarr
Mon Feb 03, 2020 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Engineers - What are you making? ($$$)
Replies: 357
Views: 44527

Re: Engineers - What are you making? ($$$)

At Google and Facebook software engineers have levels from 3 to 9. Majority of engineers are at levels 3-5. Level 5 is a terminal, IC can stay on this level indefinitely. Here are typical salaries, yearly bonuses and RSU grants (SF Bay Area and Seattle): Level Salary Bonus RSUs Total 3 $120 + $24 + ...
by VictorStarr
Sun Jan 26, 2020 2:16 pm
Forum: Personal Consumer Issues
Topic: Global Entry [wait time for interview]
Replies: 70
Views: 4969

Re: Global Entry [wait time for interview]

When I did it, I could not find an interview 6 month out. But I was able to get appointment within 3 days using SFO Global Entry Bot at twitter:
https://twitter.com/GOESbot

Unfortunately, I can not find a similar bot for the IAD.