Search found 169 matches

by boglesmind
Sun Oct 28, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18148

Re: Vanguard website "unavailable during weekend of Nov 3"

+1 Unable to proceed with a fund order after selecting the mutual fund from the autocomplete/lookup when using Google Chrome. The autocomplete adds a white space (a tab character) to the end of the fund description, which causes the input validation to fail and does not allow you to continue. I sen...
by boglesmind
Sun Oct 28, 2018 11:13 am
Forum: Personal Finance (Not Investing)
Topic: What A Deal! [Affordable Care Act policy costs]
Replies: 28
Views: 3987

Re: What A Deal!

Just checked the Affordable Care Act website, and my family of 4 will have the option of paying $17,000/year for a high deductible PPO (2018 cheapest option), compared to $21,000/year last year for an HMO (2017 cheapest option). I feel like I'm getting a deal! Anyone else ever feel like they are ge...
by boglesmind
Sun Oct 28, 2018 10:59 am
Forum: Personal Finance (Not Investing)
Topic: What A Deal! [Affordable Care Act policy costs]
Replies: 28
Views: 3987

Re: What A Deal!

and my family of 4 will have the option of paying $17,000/year for a high deductible PPO (2018 cheapest option) For perspective that is $4,250 a year($354 a month) per person for the coverage. After I retired I used COBRA for a while and that was around $500 a month per person. I am not getting med...
by boglesmind
Thu Oct 18, 2018 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: 2018 Income Tax Simulation
Replies: 10
Views: 2028

Re: 2018 Income Tax Simulation

I am looking for help with identifying an accurate tax simulator for 2018 taxes. I will be withdrawing several hundred thousand dollars over this year and next for a home purchase next spring and need to take into account the impact on my Medicare premium, tax on tIRA withdrawal and resulting tax b...
by boglesmind
Thu Oct 18, 2018 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Feedback on Kai-Zen premium finance life insurance plan
Replies: 19
Views: 1443

Re: Feedback on Kai-Zen premium finance life insurance plan

Sorry, that last reply was a bit snarky. But really, Universal Life??? 1. The cost if insurance goes up every year - you are basically have a guaranteed issue 1 year term policy underlying the investment. Through your 50s and 60s the insurance portion will climb exponentially. 2. Typical total ER (...
by boglesmind
Tue Oct 16, 2018 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Inflating AGI to avoid paying back ACA Premium Tax Credit
Replies: 42
Views: 3864

Re: Inflating AGI to avoid paying back ACA subsidies

Conversion deadline is 12/31. AGI is increased by the amount you converted unless you have made non-deductible IRA contributions in previous years. You will know you have made non-deductible contributions if you had filed the 8606 form. Perfect. I have never completed a 8606. It looks like the Roth...
by boglesmind
Tue Oct 16, 2018 12:55 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2971
Views: 585531

Re: What's Your Credit Card Rewards Strategy?

Here's my breakdown: Amex Gold - $250 yr Schwab Amex Platinum - $550 yr -- Value Credits: Uber Dollars (Platinum)- $200 yr Grubhub Dollars (Gold) - $120 yr Airline Fee Credit (Gold) - $100 yr Airline Fee Credit (Platinum) - $200 yr GlobalEntry Fee Credit (Platinum) - $25 yr ($100 divided by 4 years...
by boglesmind
Tue Oct 16, 2018 12:47 am
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 175
Views: 39135

Re: Vanguard has switched to brokerage only accounts

I never understood the point of the "non-brokerage" account model: multiple account numbers, multiple 1099s, ... Converted our mutual fund holdings to a single brokerage account a couple years ago; no problems; much simpler. +1 Same here. Converted about 2 years back and no major issues. I expect t...
by boglesmind
Mon Oct 15, 2018 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard changing my Admiral shares to Investor Shares
Replies: 26
Views: 4654

Re: Vanguard changing my Admiral shares to Investor Shares

Missing the forest for the trees. You were paying MUCH more than the 40 dollars a year, overall you are saving a ton by dumping pas. Gradually add to the Wellington position or do it all at once or don’t do anything. Small potatoes in the scheme of things. + infinity. With all due respect to OP, th...
by boglesmind
Fri Oct 12, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Website article on lawsuits over hospital balance / surprise billing
Replies: 56
Views: 2420

Re: Website article on lawsuits over hospital balance / surprise billing

Completely agree there is little understanding of how things work in that post. If they simply cancelled his surgery at the last minute since that special anesthesiologist was not available, he would be here complaining "I took a day off work and they didn't do my surgery so they need to pay me for...
by boglesmind
Fri Oct 12, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Good news for CA healthcare consumers - AB 72
Replies: 12
Views: 2480

Re: Good news for CA healthcare consumers - AB 72

The bill was challenged by the AAPS (American Association of Physicians and Surgeons) and the challenge was dismissed by the United States District Court, E.D. California with leave to amend. AAPS has filed a first amended complaint and no decision yet on the amended complaint. See related thread We...
by boglesmind
Fri Oct 12, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7286

Re: My life saved by New subaru. Almost died.

https://one.nhtsa.gov/nhtsa/Safety1nNum3ers/august2015/S1N_Speeding-August2015_812008.pdf A car going only 20mph takes about 60 ft to stop. If it really was only 10 yds you could have only been going 15mph tops. Unfortunately I've hit cars from behind at 10-15mph. Fortunately I lived through it. I ...
by boglesmind
Fri Sep 28, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher odor
Replies: 56
Views: 5312

Re: Bosch dishwasher odor

I have no affiliation with Bosch- I've just had good luck for 16 years with their dishwashers (2 of them, 1 per house). If you Google "dishwasher odor" and most brands, you will get hits. KitchenAid even has it in their online help: https://producthelp.kitchenaid.com/Dishwashers/Dishwasher_Cleaning...
by boglesmind
Tue Sep 25, 2018 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 55
Views: 4228

Re: Tax Loss Harvest (TLH) VWIUX

Did a TLH today by exchanging vanguard CA intermediate term tax-exempt bond fund for intermediate term tax-exempt bond fund. If VWIUX declines enough in the next 30 days, may exchange it temporarily for CA long term tax-exempt bond fund before going back to CA intermediate term.

Boglesmind
by boglesmind
Thu Aug 09, 2018 2:16 am
Forum: Investing - Theory, News & General
Topic: If it were March, 2000, would you still allocate 50% to Stocks?
Replies: 94
Views: 4809

Re: If it were March, 2000, would you still allocate 50% to Stocks?

I just wish that the OP of this thread and the OP of the thread about why ever own a bond could get into the octagon and work it out. I would prefer the thunderdome. Except two men enter, none leave. +1. There are well-meaning folks trying to educate an yet another market timer who refuses to be ed...
by boglesmind
Wed Aug 01, 2018 5:34 pm
Forum: Investing - Theory, News & General
Topic: Calculating Bond Risk - Allan Roth
Replies: 1
Views: 313

Re: Calculating Bond Risk - Allan Roth

Allan Roth provides a helpful explanation and caluclation of Bond ETF Interest Rate Risk in his August newsletter. http://www.etf.com/sections/index-investor-corner/framing-bond-etf-interest-rate-risk?nopaging=1 Intermediate-term rates finally ticked up and, unsurprisingly, bonds lost money. It's i...
by boglesmind
Mon Jul 30, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: SocialSecurity.tools updated to include spousal benefits
Replies: 56
Views: 5655

Re: SocialSecurity.tools updated to include spousal benefits

Tested it and found that the calculations match www.ssa.gov numbers for self and spouse. The detailed explanation is excellent. Kudos to the author and all those who helped! Feature request: Since SSA gov website lags 6 months to a year in updating last year earnings, let the user input the last yea...
by boglesmind
Thu Jul 19, 2018 5:39 pm
Forum: Investing - Theory, News & General
Topic: Is Tax-Managed Small Cap (VTMSX) an underrated fund?
Replies: 57
Views: 8275

Re: Is Tax-Managed Small Cap (VTMSX) an underrated fund?

I am another happy, long term holder of Vg Tax-Managed Small Cap (VTMSX). Curious how others feel about it. Does the S&P 600 index methodology give it an edge over other indices? I sure hope Vanguard keeps this fund around and does not merge it with the CRSP-based Small Cap Index fund. Love it and p...
by boglesmind
Sat Jun 16, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 314
Views: 34197

Re: Concierge medicine Worth It????

We are seeing the finalization of the 2-tier healthcare system that has been in progress for years. The future will be 2 different healthcare settings: one where patients are shuffled through as quickly as possible like cattle to maximize the number of patients seen while providing the minimal stan...
by boglesmind
Thu Mar 29, 2018 4:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 23101

Re: A lot of heavy hitters this morning

No matter what your position, if you are on this board, you are probably in the 1% of Americans. Comparison is the thief of joy I hear, but there is always someone who has more, and there are definitely a lot of folks who have a lot less. Be grateful, work hard, and invest early and often. +1 The r...
by boglesmind
Thu Mar 08, 2018 1:07 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE UPDATE 9-3-18
Replies: 116
Views: 30151

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

just like last year..... log on within a day or two after announcement and find tickets sold out. can i please just buy a ticket to 2019 so this doesn't happen for a third year in a row to me Seeing this happen year after year, I wonder about the reasons for not increasing significantly (say 50% or...
by boglesmind
Sun Mar 04, 2018 1:36 am
Forum: Investing - Help with Personal Investments
Topic: Finally get it, Step 2 - Get rid of FA at Fidelity?
Replies: 65
Views: 5212

Re: Finally get it, Step 2 - Get rid of FA at Fidelity?

I have $453,639 in a tax-deferred IRA at Fidelity managed by a FA who charges a 1%, I listed all the investments below. Sooo it is the same concept, I am paying too many fees at Fidelity too. Finally getting it, not sure what took so long. I was hoping the folks on this board could weigh in on what...
by boglesmind
Sat Mar 03, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Finally get it, Step 2 - Get rid of FA at Fidelity?
Replies: 65
Views: 5212

Re: Finally get it, Step 2 - Get rid of FA at Fidelity?

I have $453,639 in a tax-deferred IRA at Fidelity managed by a FA who charges a 1%, I listed all the investments below. Sooo it is the same concept, I am paying too many fees at Fidelity too. Finally getting it, not sure what took so long. I was hoping the folks on this board could weigh in on what...
by boglesmind
Fri Mar 02, 2018 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from Social Security re Fraudulent Claim
Replies: 55
Views: 6601

Re: Letter from Social Security re Fraudulent Claim

If you haven't already, register for online access to www.ssa.gov This gives you online access to your SSA account, whether or not you started benefits. It gives you access to your (future) benefit letter, which you can generate any time. It will also help you determine whether someone else has reg...
by boglesmind
Thu Mar 01, 2018 10:17 pm
Forum: Investing - Theory, News & General
Topic: Investors Wanted. No Experience Necessary
Replies: 20
Views: 2920

Re: Investors Wanted. No Experience Necessary

Some threads such as this appear to be just noise. Moderators please take note.

Boglesmind
by boglesmind
Wed Feb 28, 2018 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving EJ- can i pull this off?
Replies: 38
Views: 3275

Re: Leaving EJ- can i pull this off?

Thanks for the specificity regarding the custodian to custodian transfer I am wanting for the IRAs. It's discouraging to hear Vanguard is not in a great place to handle this. I will explore my options at Fidelity and Schwab, as I understand they may be willing to pay account closure fees at EJ. I t...
by boglesmind
Wed Feb 28, 2018 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about early inheritance from abroad
Replies: 7
Views: 984

Re: Questions about early inheritance from abroad

An easy way to do it would be for her to pay off your mortgage if applicable. Wiring the money would be quick but there may be limits and fees. Sounds like your Western Union idea has a $5k limit. You may ask at your bank and her bank. OFX looks like a good service: https://www.nerdwallet.com/blog/...
by boglesmind
Wed Feb 28, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: What age is too old to stop hostelling?
Replies: 54
Views: 5542

Re: What age is too old to stop hostelling?

DrGoogle2017 wrote:
Wed Feb 28, 2018 7:09 pm
There are a lot of cheap hotels in Europe. There is no need to stay in hostels unless you want to.
How do you find the cheap but good quality hotels in Europe? Not thru expedia.com, hotels.com etc.
Any pointers?

Boglesmind
by boglesmind
Wed Feb 28, 2018 12:33 am
Forum: Investing - Help with Personal Investments
Topic: VWIUX vs VBTLX in 24% tax bracket
Replies: 19
Views: 3489

Re: VWIUX vs VBTLX in 24% tax bracket

Keep in mind if you are drawing SS it's likely the normally tax free dividends on VWIUX will not be tax free and thus makes this a less desirable investment. However there is another advantage to VWIUX's tax-exempt interest. It is not included in one's AGI, hence there is more room for QDI and capi...
by boglesmind
Wed Feb 28, 2018 12:17 am
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 321
Views: 45575

Re: Good Modern Science Fiction

A friend referred me to HPMOR, a fan fiction that was serialized on the web and now available at "Harry Potter and the Methods of Rationality" . It is a looong read and I persisted with it. Liked it very much. David Brin, a sci-fi author and a favorite of many Bogleheads, describes the reasons for r...
by boglesmind
Tue Feb 27, 2018 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on an ESPP with 2 year contribution period?
Replies: 29
Views: 1672

Re: Thoughts on an ESPP with 2 year contribution period?

I am currently sitting on a ~30% loss after discount on ESPP shares that required a 1 year vest. 2 years is a long time. Dont forget that you have to pay the taxes up front on the theoretical gain that you won't be able to realize for 2 years. In the end the taxes are a wash but I'm quite sure that...
by boglesmind
Tue Feb 27, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Best Available 2018 tax estimator
Replies: 44
Views: 8791

Re: Best Available 2018 tax estimator

I'm trying to work out my budget for 2018 that will likely include some one-off expenses. I'm in retirement now so I want to figure out how to space out these expenses, likely to be paid for from highly appreciated stock or IRAs so as to not get into higher tax brackets. So to do this I need a good...
by boglesmind
Tue Feb 27, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Best Available 2018 tax estimator
Replies: 44
Views: 8791

Re: Best Available 2018 tax estimator

I'm trying to work out my budget for 2018 that will likely include some one-off expenses. I'm in retirement now so I want to figure out how to space out these expenses, likely to be paid for from highly appreciated stock or IRAs so as to not get into higher tax brackets. So to do this I need a good...
by boglesmind
Tue Feb 27, 2018 5:32 pm
Forum: Investing - Theory, News & General
Topic: Bubbles Everywhere
Replies: 41
Views: 7211

Re: Bubbles Everywhere

Todd says a lot of the same things (and says them multiple times) that other financial analysts are spouting: 1) markets are over-valued, 2) high valuations impact almost every asset class, and 3) a correction is coming (sometime). He just puts more top spin on his prediction for the size of the co...
by boglesmind
Tue Feb 27, 2018 2:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stock inflows over the past 12 months: $25 billion. Taxable bond inflows: $392 billion
Replies: 18
Views: 3211

Re: U.S. stock inflows over the past 12 months: $25 billion. Taxable bond inflows: $392 billion

Investors are cutting their exposure to equities, and they have been for years. How is this possible? Every share sold is a share bought. Is it a buyback phenomenon? Is it that there are less equity investors but larger holdings per individual? How does this concept of "flows" really work? What abo...
by boglesmind
Tue Feb 27, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Tax reform SALT affecting in Bay Area?
Replies: 67
Views: 9909

Re: Tax reform SALT affecting in Bay Area?

People with large SALT were typically hit by AMT, so the impact of the SALT deduction changes isn't really as significant and widespread as one would think. Simply not true. I have only ever paid AMT once in 22 years due to a generous severance package - and got it all refunded the next year. He di...
by boglesmind
Tue Feb 27, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Possible Solutions??
Replies: 115
Views: 9753

Re: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Follow Up Solutions until Medicare to help oth

Indemnity vs Managed Care Interesting Summary/Comparison. http://www.agencyinfo.net/iv/medical/types/indemnity-managed.htm j :D Looks like the comparison does disservice to folks who want to really compare and understand the differences. Indemnity plans are not "health insurance plans", do not have...
by boglesmind
Tue Feb 27, 2018 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: VWIUX vs VBTLX in 24% tax bracket
Replies: 19
Views: 3489

Re: VWIUX vs VBTLX in 24% tax bracket

Up to 85% of Social Security benefits may be taxed if half of an individual’s benefit plus their income – including tax-exempt interest – exceeds $34,000 for individuals or $44,000 for married couples. However there is another advantage to VWIUX's tax-exempt interest. It is not included in one's AG...
by boglesmind
Tue Feb 27, 2018 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: VWIUX vs VBTLX in 24% tax bracket
Replies: 19
Views: 3489

Re: VWIUX vs VBTLX in 24% tax bracket

Up to 85% of Social Security benefits may be taxed if half of an individual’s benefit plus their income – including tax-exempt interest – exceeds $34,000 for individuals or $44,000 for married couples. However there is another advantage to VWIUX's tax-exempt interest. It is not included in one's AG...
by boglesmind
Tue Feb 27, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Possible Solutions??
Replies: 115
Views: 9753

Re: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Follow Up Solutions until Medicare to help oth

Indemnity vs Managed Care Interesting Summary/Comparison. http://www.agencyinfo.net/iv/medical/types/indemnity-managed.htm j :D Looks like the comparison does disservice to folks who want to really compare and understand the differences. Indemnity plans are not "health insurance plans", do not have...
by boglesmind
Tue Feb 27, 2018 1:35 am
Forum: Personal Finance (Not Investing)
Topic: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Possible Solutions??
Replies: 115
Views: 9753

Re: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Follow Up Solutions until Medicare to help oth

Original Post>> Couple: Age 64 Residence: Arizona Medical Insurance: ACA - Blue Cross Blue Shield of Arizona (only one available) "Silver Plan" Monthly payment with ACA "subsidy" $484 Monthly payment if without ACA "subsidy" $3,053.28 Medical Bills for 2017: less than $20,000 (if no medical insuran...
by boglesmind
Sun Feb 18, 2018 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Include 1099R for direct rollover in 2017 1040?
Replies: 8
Views: 552

Re: Include 1099R for direct rollover in 2017 1040?

PriceOfFreedom,
Turbotax will print "ROLLOVER" next to 15b or 16b (as the case may be). As others have suggested, do include/report 1099-R in your 2017 form 1040.

Boglesmind
by boglesmind
Fri Feb 09, 2018 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 103
Views: 8134

Re: I didn't tax-loss harvest this month, did you?

TLH: Sold CA Intermediate term tax-exempt fund VCADX and bought National intermediate term tax-exempt fund VWIUX

Boglesmind
by boglesmind
Sat Feb 03, 2018 10:51 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rising Rates Increase Worries
Replies: 86
Views: 14818

Re: Larry Swedroe: Rising Rates Increase Worries

My understanding of the Stoneridge Funds are this: you have direct ownership of the business in semi-liquid form and the higher expense ratios reflect that your fees are paying for the cost of running that business. If Stoneridge bought stocks of banks rather than in effect being a bank, you can se...
by boglesmind
Sat Feb 03, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rising Rates Increase Worries
Replies: 86
Views: 14818

Re: Larry Swedroe: Rising Rates Increase Worries

What I will say is that there are people on this forum that I respect who invest in the alternative funds. There are also people here that I respect who don't invest in such funds. Pretty much it boils down to whether you believe in the theories behind the alternatives. We know there are several sc...
by boglesmind
Mon Jan 08, 2018 1:23 am
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 149
Views: 11308

Re: Misuse of adverse

This appears to have been lifted from Mark Twain: http://design.caltech.edu/erik/Misc/Twain_english.html Ha! I just walked past his office the other day. (The ambiguous pronoun reference is intentional) Reminds me of my spouse :-) and my spouse says so as well :-) With a nod to the click and clack ...
by boglesmind
Sun Jan 07, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 4558

Re: Best Phone Plan for 1 person

I just turned 24 and my parents are making me get on my own phone plan. I currently have a IPhone 5s on AT&T. I would like to upgrade to a newer phone (iPhone 8, Pixel 2, or Galaxy S8) I asked if I could stay on their plan and just write them a check and they said no so that’s not an option. My wor...
by boglesmind
Wed Jan 03, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard takes 2 days to settle tIRA funding?
Replies: 22
Views: 1766

Re: Vanguard takes 2 days to settle tIRA funding?

Hi, In previous years, when I did my backdoor ROTH conversion, I could do it on the 2nd trading day of the year. This year, I initiated funding of my tIRA account on 1/1. I expected the transaction to settle at close-of-trading on 1/2, so I could initiate the conversion today (1/3). However, it see...
by boglesmind
Sat Dec 30, 2017 10:20 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2001
Views: 372011

Re: What are you up YTD? [Year To Date]

1-jan to 31-dec-17 according to Quicken: 18.90%
cash: 2%, Bonds: 12%, Stocks: 86%

Boglesmind
by boglesmind
Fri Dec 29, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Use of 2FA Held My Accounts Hostage
Replies: 28
Views: 2965

Re: Use of 2FA Held My Accounts Hostage

.... Best guess as to what caused all this was that about seven days ago, when logging onto my account, I received a warning requesting me to update my account information since it has been over a year since the last time I did so. Normally I just ignore and proceed but this time I did and discover...