Search found 488 matches

by tuningfork
Fri Feb 21, 2020 3:39 pm
Forum: Personal Consumer Issues
Topic: How frequently do you change passwords, NOT what password manager do you use
Replies: 64
Views: 2552

Re: How frequently do you change passwords, NOT what password manager do you use

Anyone run into sites that don’t let you copy/paste your password, but force you to type it? Or where a password manager doesn’t work? I have a couple sites that require you to type in your password when changing it, but let you paste when logging in. Also a few sites that require you to type in th...
by tuningfork
Tue Feb 18, 2020 4:28 pm
Forum: Personal Consumer Issues
Topic: Do You Avoid Advertisements & Commercials?
Replies: 72
Views: 3641

Re: Do You Avoid Advertisements & Commercials?

I actively try to avoid advertising. Not because I'm against advertising, but because the marketers have made most advertising obnoxious, and with modern technology they try to track you. I use Adblock in all my browsers. I do it to mainly to eliminate obnoxious ads, but also to prevent the possibil...
by tuningfork
Sat Feb 08, 2020 2:31 pm
Forum: Personal Consumer Issues
Topic: Dangerous to allow Windows 10 desktop PC to have public/real IP address? No NAT/firewall
Replies: 20
Views: 1047

Re: Dangerous to allow Windows 10 desktop PC to have public/real IP address? No NAT/firewall

I would not do this with a computer that contains important data or applications, or that is used to access important websites such as banks and investment firms.
by tuningfork
Mon Feb 03, 2020 1:51 pm
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 161
Views: 10388

Re: Cybersecurity and passwords

Any decently secure site won't allow brute force attacks anyway, they will allow only a limited number of attempts per minute and per day. Passwords attacks do not use multiple login attempts. They rely on stolen password files where the hacker can make as many attempts as they want in the privacy ...
by tuningfork
Mon Feb 03, 2020 12:34 pm
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 161
Views: 10388

Re: Cybersecurity and passwords

No, you attack the low hanging fruit first, then move on to supersets. It's quick to just blow through dictionary attacks, rainbow tables, and brute force standard character sets. Using my above example, how about something like this: Icanrememberthispassword.!!!!!!!!!!!!!!!!!!!! (trying to combine...
by tuningfork
Sun Feb 02, 2020 1:08 pm
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 161
Views: 10388

Re: Cybersecurity and passwords

As suggested above, it's best to have your computer connected to a router, not directly to the internet via the modem. Routers generally have firewall protection that you won't get if you bypass it and connect directly to the internet. It may not be obvious whether or not you have a router since som...
by tuningfork
Sat Feb 01, 2020 10:47 am
Forum: Personal Investments
Topic: Vanguard website - link new bank account annoyance
Replies: 25
Views: 1283

Re: Vanguard website - link new bank account annoyance

Fidelity has a pretty annoying process to link a bank account as well. Not only do you give them the account/routing number, then they want your login name and password for that bank account, which they explain allows a THIRD PARTY to validate :shock: :shock: :shock: . If you don't agree to that, o...
by tuningfork
Wed Jan 22, 2020 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct and 1099 - Firefox Bug
Replies: 10
Views: 607

Re: Treasury Direct and 1099 - Firefox Bug

Did you get any notification from TreasuryDirect about the 1099? I see a message when I logged in but I didn't get any notification if I didn't go there to check it myself. To others who also have a linked "converted" account, the 1099s for the primary and converted accounts are separate. Be sure t...
by tuningfork
Wed Jan 22, 2020 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct and 1099 - Firefox Bug
Replies: 10
Views: 607

Re: Treasury Direct and 1099 - Firefox Bug

If I remember correctly, isn't TD the web site that provides an on screen keyboard that you have to use to enter your password? Yep, that annoying keyboard is nothing but security theater. It's trivial to get around it though. Right-click on the password field, select "Inspect Element" and delete t...
by tuningfork
Wed Jan 22, 2020 12:00 pm
Forum: Personal Investments
Topic: Customer Service & Ease-Of-Use: Vanguard vs. Fidelity
Replies: 45
Views: 3532

Re: Customer Service & Ease-Of-Use: Vanguard vs. Fidelity

I have accounts at both Fidelity and Vanguard. Both websites have their ups and downs. Something easy to find on Vanguard's site might be hard to find on Fidelity, and vice versa. You have to know how the site is organized and what terminology is used in order to find certain things. I think most of...
by tuningfork
Wed Jan 22, 2020 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct and 1099 - Firefox Bug
Replies: 10
Views: 607

Treasury Direct and 1099 - Firefox Bug

Today I logged into Treasury Direct to get a copy of my 1099 for last year's savings bond redemptions. I use Firefox. TD doesn't provide a PDF to download, instead it displays your 1099 on a regular web page. The web page looks accurate, though cluttered. I use the browser Print function to print to...
by tuningfork
Sat Jan 11, 2020 5:39 pm
Forum: Personal Investments
Topic: Inherited RMD Reminders
Replies: 20
Views: 1323

Re: Inherited RMD Reminders

I had to call Vanguard the first year to get my Inherited IRA RMD setup. Since the account did not exist on December 31 of the previous year, Vanguard's software couldn't figure out the RMD amount without help from a human. Once I called, they calculated the first year's RMD for me (based on the acc...
by tuningfork
Wed Jan 08, 2020 11:26 pm
Forum: Investing - Theory, News & General
Topic: Does Windows 7 void your Vanguard fraud reimbursement?
Replies: 69
Views: 4868

Re: Does Windows 7 void your Vanguard fraud reimbursement?

I despise the automatic (really, forced) updates in Windows 10. Nothing like booting up your machine for a 5-minute task and discovering that it’s going to spend the next hour installing an update. Every other machine I have lets me choose to update when it’s convenient for me, and just nags me abo...
by tuningfork
Tue Dec 24, 2019 4:54 pm
Forum: Personal Consumer Issues
Topic: Need to move out of AAA Insurance
Replies: 14
Views: 1021

Re: Need to move out of AAA Insurance

I've had State Farm for all my insurance since forever and have been satisfied. Never any problems the few times I've had to make a claim. I'm sure I could shop around and save a little here and there but it's not worth the hassle of researching and changing every year or two. I've had to file claim...
by tuningfork
Mon Dec 23, 2019 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: CitiCard: Convert Dividend to Double Cash
Replies: 9
Views: 807

Re: CitiCard: Convert Dividend to Double Cash

I converted from Dividend to Double Cash a year or two ago and am happy I did. The 5% bonus categories on Dividend were almost never useful to me, and when they were they often overlapped another 5% card I carried. The straight 2% on Double Cash has been a lot better for me for expenses that don't f...
by tuningfork
Fri Dec 20, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: Have you switched from Android to iPhone? What were the pluses and minuses?
Replies: 51
Views: 4352

Re: Have you switched from Android to iPhone? What were the pluses and minuses?

Several folks have mentioned the ability to use an SD card (micro SD) in an Android phone for additional storage. Keep in mind that's dependent on your phone actually having a micro SD slot. Some do, some don't. If that's important to you, check the specs before buying.
by tuningfork
Thu Dec 12, 2019 12:22 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 3770
Views: 347805

Re: U.S. stocks continue to soar!

˙ʇǝʞɹɐɯ ǝɥʇ uᴉ lɐᴉʇuǝʇod uʍop ǝpᴉsdn ɟo ʇol ɐ s,ǝɹǝɥʇ ʞuᴉɥʇ I 🙃
by tuningfork
Thu Dec 05, 2019 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: 50 Next Year - Should I Join AARP?
Replies: 105
Views: 8391

Re: 50 Next Year - Should I Join AARP?

I had an AARP membership for one year around the time I retired, provided free through my employer. Disliked the volumes of paper mail they sent. Multiple mailings per week, sometimes several in one day, trying to sell me crap I didn't want. Two different magazines every month, which had some occasi...
by tuningfork
Tue Dec 03, 2019 7:28 pm
Forum: Investing - Theory, News & General
Topic: How Far Will Dow Fall During Next Retraction
Replies: 60
Views: 4437

Re: How Far Will Dow Fall During Next Retraction

It will fall far enough, and not a penny more.
by tuningfork
Sat Nov 30, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 303
Views: 87134

Re: Found hidden safe, should we crack?

zxllxz wrote:
Sat Nov 30, 2019 11:32 am
[1001] The ITL Robotic Safe Cracker! (ITL-2000) - YouTube

[link formatted by admin LadyGeek]
Slightly disappointed. I was hoping to see Marvin, the robot from HHGTTG, crack the lock, all the while complaining about being commanded to do such a lowly task. ;-)
by tuningfork
Wed Nov 27, 2019 11:00 pm
Forum: Personal Investments
Topic: Urge Vanguard to support better two-factor authentication
Replies: 108
Views: 10142

Re: Urge Vanguard to support better two-factor authentication

On the topic of TOTP recovery codes and passwords, ... That's really why I try to stress so heavily to users of these protocols, TREAT YOUR AUTHENTICATION DEVICES AND RECOVERY CODES LIKE GOLD. And if you can't or don't want to do it, then these protocols are not for you. I fall very much in the lat...
by tuningfork
Wed Nov 27, 2019 10:49 pm
Forum: Personal Investments
Topic: Urge Vanguard to support better two-factor authentication
Replies: 108
Views: 10142

Re: Urge Vanguard to support better two-factor authentication

I just logged in to Fidelity and at the VIP 2FA prompt there was no way to fall back to SMS. Where are you seeing this? Please post screenshots. I don't use Symantec VIP as my second factor at Fidelity but I know they offer the option of either Symantec or receiving texts or calls as the second fac...
by tuningfork
Wed Nov 27, 2019 8:51 am
Forum: Personal Consumer Issues
Topic: New Phone Scam - Up A Notch
Replies: 59
Views: 4905

Re: New Phone Scam - Up A Notch

Some of the IRS scams use an actual IRS phone number for the caller ID, so if you were to look up the number or call it, it will be real. I'm sure other scams do that as well. Caller ID is easy to fake because it was designed back in the days when the phone companies trusted each other, and they tru...
by tuningfork
Wed Nov 20, 2019 8:40 pm
Forum: Personal Consumer Issues
Topic: Kindle Paperwhite speed?
Replies: 7
Views: 934

Re: Kindle Paperwhite speed?

When you download a new book the Kindle may be a little sluggish for a while as it indexes the book for searches.
by tuningfork
Sun Nov 10, 2019 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Cashing EE bonds
Replies: 12
Views: 690

Re: Cashing EE bonds

IMHO converting them to electronic is most convenient. Send your paper bonds to Treasury Direct. When each bond matures it will be automatically redeemed and you can transfer the funds to your bank account. No need to go to a bank every month to redeem. You can specify tax withholding at TD, and the...
by tuningfork
Mon Oct 07, 2019 7:27 pm
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 135
Views: 20177

Re: Warning: avoid Windows 10 update 1803

Until very recently, that Windows Update menu had been showing that my system was "not yet ready" for 1903, but when it was, it could be installed. I didn't know what that meant. But now, it shows that Windows 10, version 1903 is available, and I should select "download", etc. I have no idea what c...
by tuningfork
Mon Oct 07, 2019 8:47 am
Forum: Investing - Theory, News & General
Topic: Over Confident in Old-age: Cognitive Decline and Financial Literacy
Replies: 83
Views: 8459

Re: Over Confident in Old-age: Cognitive Decline and Financial Literacy

My wife and I have hoped to spare our two adult children from the details of our finances and estate plans until they are at least in their early fifties. We want to let them live their lives and focus on their own families, jobs, and finances for as long as possible. If we make it that long we wil...
by tuningfork
Sat Sep 21, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: live close to construction, air purifier recommendation?
Replies: 24
Views: 2072

Re: live close to construction, air purifier recommendation?

I have a couple of Coway air purifiers (Ap-1512HH and Airmega 400). I bought these models due to recommendations from Wirecutter as well as a friend who owned one. They worked well to rid my home of smoke from a nearby wildfire. Current year recommendations: https://thewirecutter.com/reviews/best-ai...
by tuningfork
Tue Sep 17, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: Seasoned retirees...
Replies: 52
Views: 4957

Re: Seasoned retirees...

Godot wrote:
Mon Sep 16, 2019 12:57 pm
DanMahowny wrote:
Mon Sep 16, 2019 10:03 am
Find two hobbies:
One to make you money. One to keep you in shape.
When does a money-making hobby become a "job"?
When you're doing it for yourself, it's a hobby. When you're doing it for someone else, it's a job.
by tuningfork
Mon Sep 16, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 122
Views: 7034

Re: Do you trust Microsoft updating your Windows 7 machine?

Anyone considering switching to another OS because MS will stop supporting Windows 7 security updates after 10 years should check the support policies of the other systems under consideration. Chromebooks are supported for 6.5 years: https://www.laptopmag.com/articles/chromebook-6-years-expiration A...
by tuningfork
Sun Sep 15, 2019 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Would you spend an extra day a week for 1 year working for a luxury
Replies: 27
Views: 2586

Re: Would you spend an extra day a week for 1 year working for a luxury

During my first real job shortly out of university, I was forced* to work 60-hour weeks for close to a year. It did pay time-and-a-half so I racked up the savings, which ultimately went toward a house down payment. So it's somewhat similar to your scenario. I would not do that again for any physical...
by tuningfork
Mon Sep 09, 2019 9:11 pm
Forum: Personal Consumer Issues
Topic: Log in Trouble @ Vanguard.com
Replies: 8
Views: 867

Re: Log in Trouble @ Vanguard.com

This is the main scenario why I have chosen NOT to consolidate all my accounts at one financial institution. My accounts are divided roughly equally between Fidelity and Vanguard. If I manage to lock myself out of my account at one place and have trouble getting it reactivated, I still have a chunk ...
by tuningfork
Tue Aug 20, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity taxable account users: Do you use ETfs or Fidelity index funds?
Replies: 9
Views: 735

Re: Fidelity taxable account users: Do you use ETfs or Fidelity index funds?

I have shares in the Fidelity Total Market Index and Total International Index funds in my Fidelity taxable account. I prefer the simplicity of mutual funds, and since I'm in early retirement living primarily off my taxable account, if not for the dividends and CG distributions I would be selling sh...
by tuningfork
Thu Aug 15, 2019 6:10 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 17933

Re: [Vanguard ongoing glitches, August 12-13, 2019]

Actually I have funds at both Fidelity and Vanguard and much prefer the Vanguard site, for one overriding reason. I'm reading "Your Money and Your Brain" by Jason Zweig, and I notice as I read that the Fidelity website is set up specifically to prompt you to ACT (that is, to trade). For example, th...
by tuningfork
Wed Aug 14, 2019 2:27 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 17933

Re: [Vanguard ongoing glitches, August 12-13, 2019]

Actually I have funds at both Fidelity and Vanguard and much prefer the Vanguard site, for one overriding reason. I'm reading "Your Money and Your Brain" by Jason Zweig, and I notice as I read that the Fidelity website is set up specifically to prompt you to ACT (that is, to trade). For example, th...
by tuningfork
Sat Aug 10, 2019 10:11 pm
Forum: Personal Consumer Issues
Topic: Amazon -- no longer the lowest prices, evidently
Replies: 120
Views: 13749

Re: Amazon -- no longer the lowest prices, evidently

I don't understand people's obsession with Amazon. To me it is irrational consumption that sooner or later will catch up with itself. Seems that the word "convenience" is used as an excuse to be lazy and not spend an extra three minutes finding it cheaper elsewhere. For me it's also about convenien...
by tuningfork
Sat Aug 10, 2019 9:45 pm
Forum: Personal Consumer Issues
Topic: Checking credit card statements
Replies: 52
Views: 3262

Re: Checking credit card statements

I check ours by downloading all transactions to Quicken once a week. When I say “check,” I look at the payee to make sure I recognize it and the amount to make sure it is reasonable. I don’t actually compare receipts to charges. Similar here. I download all transactions into Moneydance several time...
by tuningfork
Fri Aug 09, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: What to do with expired passports?
Replies: 22
Views: 2903

Re: What to do with expired passports?

I'm happy my father, who is no longer with us, kept all his expired passports. The visa stamps make a nice record of his extensive international travels.
by tuningfork
Thu Aug 01, 2019 9:47 am
Forum: Personal Consumer Issues
Topic: Beyond Meat Burger? Do you like?
Replies: 119
Views: 10059

Re: Beyond Meat Burger? Do you like?

I bought some Beyond Burgers at the grocery store a few months ago. Expensive, excessive packaging, taste and especially texture wasn't as good as I had expected it to be given all the marketing hype. If they were cheaper than beef or turkey burgers then I might consider buying them occasionally. Ot...
by tuningfork
Sun Jul 28, 2019 11:51 am
Forum: Personal Investments
Topic: User hostility when transferring brokerage accounts
Replies: 36
Views: 3902

Re: User hostility when transferring brokerage accounts

I've closed accounts at half a dozen financial institutions over the years. Only one of them left online access open so I could get to tax forms and account history later. All others immediately closed the account and removed online access, as I expected would happen. I always download anything I'll...
by tuningfork
Wed Jul 24, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: Someone at Citibank signed up for an account, then listed my email address..
Replies: 31
Views: 2494

Re: Someone at Citibank signed up for an account, then listed my email address..

This is a fairly common occurrence for people who use their real name or some variation of a real name as their email address. Misspellings happen. People mistype their email address all the time, getting it wrong by a letter, typing .com instead of .co.uk, etc. On one of my email addresses I've see...
by tuningfork
Wed Jul 24, 2019 7:45 pm
Forum: Personal Consumer Issues
Topic: Plane maintenance - 6.5 hour delay - any recourse?
Replies: 51
Views: 4362

Re: Plane maintenance - 6.5 hour delay - any recourse?

One time when we had a significant delay due to mechanical issues. The plane had to return to the airport, with lotsa fire trucks on the ground just in case we had trouble landing. We had to wait several hours for a new plane and new crew, eventually arriving at our destination about 6 hours late. T...
by tuningfork
Fri Jul 12, 2019 3:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 3770
Views: 347805

Re: U.S. stocks continue to soar!

corn18 wrote:
Fri Jul 12, 2019 3:01 pm
Thought this thread would be more active today. Everyone must be busy rebalancing.
That would be me. Rebalance bands triggered a few days ago, finally got around to doing it this morning.
by tuningfork
Sun Jul 07, 2019 6:39 pm
Forum: Personal Investments
Topic: Balance more between Vanguard and Fidelity ?
Replies: 17
Views: 1718

Re: Balance more between Vanguard and Fidelity ?

This having been said, I can't wrap my head around the failure case one prevents against "diversifying risk" across VG and Fido, for instance. I guess if you believe they'll become insolvent, then you could move around the 500k (IIRC) SIPC limit. But it seems to me if either of these firms either g...
by tuningfork
Thu Jun 13, 2019 4:49 pm
Forum: Personal Consumer Issues
Topic: Fixing financial "leakage" - what do you do?
Replies: 23
Views: 3613

Re: Fixing financial "leakage" - what do you do?

• Always make sure I have parked legally to avoid any parking violations. In my town: know where the free parking spots are and how long you may park for free. If you're willing to park 2 extra blocks away from the downtown area, and you'll be back in 3 hours (or 2, depending on the zone), you can ...
by tuningfork
Thu Jun 13, 2019 4:39 pm
Forum: Personal Consumer Issues
Topic: Which shaving cream / oil?
Replies: 58
Views: 4491

Re: Which shaving cream / oil?

I like the feel of Kiss My Face shaving lotion. It leaves my skin super-smooth and moist, but it tends to clog my razor. I recently started using Cremo. Not quite as good as KMF but it doesn't clog, so cleanup is easier.
by tuningfork
Sat Jun 01, 2019 2:14 pm
Forum: Personal Investments
Topic: Just Got a Call From Fidelity
Replies: 55
Views: 8205

Re: Just Got a Call From Fidelity

It's definitely worth returning the call and scheduling a meeting. I ignored those calls for a few years but eventually decided to see what was up. Fidelity already knew I self-managed with index funds and was not interested in any management services. I now have a regular once-a-year financial chec...
by tuningfork
Tue May 21, 2019 3:20 pm
Forum: Personal Consumer Issues
Topic: Expensive front load washer/dryer worth it?
Replies: 53
Views: 3977

Re: Expensive front load washer/dryer worth it?

For me it was worth replacing an ancient top loader and dryer with a new front loader washer/dryer set when the old ones wore out. Not necessarily from a financial perspective, but for lifestyle/convenience reasons. I stacked the washer/dryer, opening up a lot of space in my cramped laundry area, ma...
by tuningfork
Fri May 17, 2019 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Treasury Direct ?
Replies: 34
Views: 2303

Re: Anyone use Treasury Direct ?

I haven't figured out how "typing" your password with a mouse is more secure than using a traditional keyboard. Displaying the keyboard on-screen makes it easier for shoulder-surfers to see your password. Sophisticated key loggers can capture mouse position and clicks and screenshots, so this does n...