Search found 4160 matches

by mptfan
Tue Dec 12, 2017 3:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 51
Views: 3809

Re: Vanguard Security Keys

2015 wrote:
Tue Dec 12, 2017 12:28 pm
How do you think you are going to get a SMS text code during the log in process if you didn't request one?
Because Vanguard has a security setting option that will automatically send a security code everytime you log on.
by mptfan
Tue Dec 12, 2017 11:22 am
Forum: Investing - Theory, News & General
Topic: How are 401k withdrawals taxed when you retire?
Replies: 12
Views: 1569

Re: How are 401k withdrawals taxed when you retire?

Jack FFR1846 wrote:
Sun Dec 10, 2017 2:28 pm
It doesn't link to being retired, it links to all of your income.
Exactly. Being retired is irrelevant.
by mptfan
Tue Dec 12, 2017 10:15 am
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 51
Views: 3809

Re: Vanguard Security Keys

So basically supporting the key does provide extra security (by preventing this attack), but only if the user also has a policy of always using the key to log in. So if I have a policy of always using the key to log in to the real Vanguard site I will not receive any security codes as part of that ...
by mptfan
Mon Dec 11, 2017 5:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 51
Views: 3809

Re: Vanguard Security Keys

If you are stating that VG's present setup is less than ideal, you are far from alone in that assertion. So do you agree with my assertion that based on Vanguard's present setup , the security key option is not more secure than using security codes? No. See the last paragrapraph of my most recent p...
by mptfan
Mon Dec 11, 2017 4:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 51
Views: 3809

Re: Vanguard Security Keys

2015 wrote:
Mon Dec 11, 2017 4:42 pm
If you are stating that VG's present setup is less than ideal, you are far from alone in that assertion.
So do you agree with my assertion that based on Vanguard's present setup, the security key option is not more secure than using security codes?
by mptfan
Mon Dec 11, 2017 3:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 51
Views: 3809

Re: Vanguard Security Keys

The token that is generated on the security key is cryptographically tied to the website that requested the token. That means a token generated on a phishing site could not be used on the real website because the domain/origin that requested it doesn't match the one validating it. 2015 already post...
by mptfan
Mon Dec 11, 2017 2:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 51
Views: 3809

Re: Vanguard Security Keys

I think this is still missing the. OPs point. It's not the OPs behavior that's under question, but the attacker's. The attacker can easily use code sent to a phone instead of the Yubi, because Vanguard allows this. OP is asking what's the point of changing OPs behavior when it doesn't make it any t...
by mptfan
Mon Dec 11, 2017 12:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 51
Views: 3809

Re: Vanguard Security Keys

What is your attack scenario? Security threats do not exist in a vacuum, nor do attackers pop out of thin air. When you say the attacker "can easily use code sent to a phone," how are they getting those codes? It's most likely going to be through phishing. But if your behavior is to always expect a...
by mptfan
Mon Dec 11, 2017 12:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 51
Views: 3809

Re: Vanguard Security Keys

And if you need to use a security code as an emergency backup when you've lost your security key, that is also a signal to you that you should be extra vigilant about where you're entering your credentials (i.e. make sure you really are on vanguard.com), because you know that you are more susceptib...
by mptfan
Mon Dec 11, 2017 12:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 51
Views: 3809

Re: Vanguard Security Keys

I think this is still missing the. OPs point. It's not the OPs behavior that's under question, but the attacker's. The attacker can easily use code sent to a phone instead of the Yubi, because Vanguard allows this. OP is asking what's the point of changing OPs behavior when it doesn't make it any t...
by mptfan
Mon Dec 11, 2017 10:38 am
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 51
Views: 3809

Re: Vanguard Security Keys

They both provide strong account security. The security key is a technically better though because it cannot be phished. With security codes, a bad actor could trick you into entering the six digits into a convincingly fake website. With a security key, the token generated by the key is cryptograph...
by mptfan
Mon Dec 11, 2017 9:34 am
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 51
Views: 3809

Re: Vanguard Security Keys

They both provide strong account security. The security key is a technically better though because it cannot be phished. With security codes, a bad actor could trick you into entering the six digits into a convincingly fake website. With a security key, the token generated by the key is cryptograph...
by mptfan
Sun Dec 10, 2017 2:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 51
Views: 3809

Re: Vanguard Security Keys

So is my conclusion correct... a security key does not provide additional security over using security codes?
by mptfan
Sun Dec 10, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Does this happen to you? Educating friends about personal finance
Replies: 104
Views: 5772

Re: Does this happen to you? Educating friends about personal finance

Funny, because they ONE job everyone has during their life that is the same is money manager at some point or another so would figure more folks would be proactive about it. I would say it's not just that ONE job, there are others. Everyone has to manage their health at some point during their life...
by mptfan
Sun Dec 10, 2017 10:07 am
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 51
Views: 3809

Vanguard Security Keys

Vanguard has the option of enabling security keys for accessing your account online. This is what their website says about the security key option... How do security keys work? When you register a security key to access your Vanguard accounts, we'll require you to enter your user name and password a...
by mptfan
Sun Dec 10, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Does this happen to you? Educating friends about personal finance
Replies: 104
Views: 5772

Re: Does this happen to you? Educating friends about personal finance

She knows that I invest and manage my money on my own. She's asked me once or twice if investing is difficult... I've told her that the best investing is quite simple and straightforward. I suggested to her that she read the Coffee House Investor book. She gave me a mournful look and said, "Do I ha...
by mptfan
Sat Dec 09, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Does this happen to you? Educating friends about personal finance
Replies: 104
Views: 5772

Re: Does this happen to you? Educating friends about personal finance

What do you do if your prospective son or daughter in law is an FA at Edward Jones or Ameriprise? (hypothetical situation) my ex-brother in law (used to be brother in law)... is a FA... things went well.. i regularly poked him and said i hope you don't pay the kind of load that you ask your custome...
by mptfan
Sat Dec 09, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 181
Views: 10503

Re: Do people still use AAA?

WannabeEarlyRetiree wrote:
Fri Dec 08, 2017 7:05 am
boglerdude wrote:
Fri Dec 08, 2017 4:04 am
There's free basic assistance on LA freeways during rush hour

https://www.metro.net/projects/fsp/
Wow! That's awesome. Why do people in LA have AAA membership then?
Because most driving is off the freeways.
by mptfan
Sat Dec 09, 2017 1:04 am
Forum: Personal Finance (Not Investing)
Topic: How to lead a horse to (boglehead) water?
Replies: 10
Views: 786

Re: How to lead a horse to (boglehead) water?

randomizer wrote:
Sat Dec 09, 2017 1:01 am
I don't even try. I offer an opinion if asked, but that's it.
I agree.
by mptfan
Thu Dec 07, 2017 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: At what age your investments start making more money than you?
Replies: 107
Views: 7297

Re: At what age your investments start making more money than you?

If you mean when was the first time that happened, then, well, I'm 56 now and it probably happened the first time when I was in my early 40's. But since I invest in stock funds, it's guaranteed that there will years where my investments will make less money than I will at my allocation. Yea not ask...
by mptfan
Thu Dec 07, 2017 1:46 pm
Forum: Investing - Theory, News & General
Topic: When Bitcoin blows-up
Replies: 55
Views: 4207

Re: When Bitcoin blows-up

Does anyone know where I can buy some tulip bulbs?
by mptfan
Wed Dec 06, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 181
Views: 10503

Re: Do people still use AAA?

Now I have hide-a-key on all my cars. I've thought about doing this, but the problem is I have an electronic key fob, not an actual key that inserts into a lock, and if the key fob is anywhere within a short distance of the car, the doors will open. So, how do I put an electronic key fob in a hide-...
by mptfan
Wed Dec 06, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 181
Views: 10503

Re: Do people still use AAA?

Now I have hide-a-key on all my cars. I've thought about doing this, but the problem is I have an electronic key fob, not an actual key that inserts into a lock, and if the key fob is anywhere within a short distance of the car, the doors will open. So, how do I put an electronic key fob in a hide-...
by mptfan
Wed Dec 06, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Annoying Ads when turning on Galaxy S7 smartphone
Replies: 6
Views: 385

Re: Annoying Ads when turning on Galaxy S7 smartphone

It's stories like this that make me thankful that I have a Pixel.
by mptfan
Mon Dec 04, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 72
Views: 4826

Re: Best Basic DESKTOP?

Chromebox.
by mptfan
Sun Dec 03, 2017 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Just downsized at age 60...input appreciated
Replies: 29
Views: 3602

Re: Just downsized at age 60...input appreciated

As for investing, am I naive to think that I could just go to, e.g., Vanguard and choose an inexpensive allocation of about 65% U.S. and some intl stocks and 35% bonds that would sufficiently protect our nest egg through downward market swings? No, you are not naive, you are doing the right thing. ...
by mptfan
Sat Dec 02, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: How do I convince my employees to invest more?
Replies: 92
Views: 5150

Re: How do I convince my employees to invest more?

Stormbringer wrote:
Sat Dec 02, 2017 9:38 am
How can encourage them to participate without becoming their defacto financial adviser?
You don't. It's their money and their decision. As long as they are properly informed of their options, stay out of their business and let them decide without interference from you.
by mptfan
Fri Dec 01, 2017 11:59 am
Forum: Personal Finance (Not Investing)
Topic: I met my first Retirement Savings goal
Replies: 26
Views: 1997

Re: I met my first Retirement Savings goal

Congratulations! I was well into my 30's before I hit that number, so you should be proud of what you've accomplished at a young age. Keep it up.
by mptfan
Thu Nov 30, 2017 7:31 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones trap
Replies: 45
Views: 5237

Re: Edward Jones trap

These are the same people who get excited when tuna fish is on sale at the grocery store, or the local bar has $1 hot dog night. I just don't get it. People have to pull money out of their pocket and engage a transaction to pay for tuna fish or hot dogs, whereas the fees extracted by financial advi...
by mptfan
Wed Nov 29, 2017 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones trap
Replies: 45
Views: 5237

Re: Edward Jones trap

Did they ask for your advice?
by mptfan
Wed Nov 29, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: Scammed by Enterprise Car Rental
Replies: 35
Views: 4196

Re: Scammed by Enterprise Car Rental

She had me sign one of those digital pads and said I would receive an email with a pdf of everything. I'm sure you've learned your lesson, but don't do that anymore. Don't sign anything that you haven't read first. Did you stop and think..."what if I get the "pdf of everything" and I don't agree, w...
by mptfan
Wed Nov 29, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: When to tell the SO about my financial situation?
Replies: 109
Views: 5477

Re: When to tell the SO about my financial situation?

look out for certain red-flag reactions. 1. If she starts talking about quitting her job. 2. If she starts talking about having a baby, even before you get married. 3. If she starts going on about how certain members of her family need a loan. 4. If she volunteers that she doesn't believe in pre-nu...
by mptfan
Mon Nov 27, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: I have Microsoft Office 2007. Should I upgrade?
Replies: 37
Views: 1864

Re: I have Microsoft Office 2007. Should I upgrade?

"Your kids are going to have to change when they get into the corporate world..." You are assuming they are going into the corporate world. Also, you are assuming that all corporations use Microsoft Office and that is no longer true...there are many businesses both large and small that have switche...
by mptfan
Mon Nov 27, 2017 1:55 pm
Forum: Personal Consumer Issues
Topic: I have Microsoft Office 2007. Should I upgrade?
Replies: 37
Views: 1864

Re: I have Microsoft Office 2007. Should I upgrade?

In the past 3-4 years, I have more millennials in the office and they wouldn't touch a MSFT product. They use Google docs or Open Office (Open Source). I've switched a lot of my docs to Google docs. It takes some getting used to. No more "Command-S" to save the doc. :) But, it's nice to have a copy...
by mptfan
Fri Nov 24, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Should I Pay Off My Mortgage When I Retire?
Replies: 24
Views: 1219

Re: Should I Pay Off My Mortgage When I Retire?

Pay it off.

Ask yourself this question...if you did not have a mortgage, would you go out and borrow $22,000 to be paid off in a year and a half with your house as collateral? If the answer is no, why not?
by mptfan
Fri Nov 24, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 100
Views: 9228

Re: Regrets for taking SS at 62 or waiting?

Nicolas wrote:
Thu Nov 23, 2017 3:58 pm
Wow, so far no one has any regrets either way, how can this be :confused
Because the people who died while waiting to take it later are unable to respond.
by mptfan
Fri Nov 24, 2017 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 100
Views: 9228

Re: Regrets for taking SS at 62 or waiting?

mouses wrote:
Fri Nov 24, 2017 7:32 am
Imagine how annoyed I'd be if I had delayed and found myself dead without ever having collected a nickle.
If you found yourself dead, I doubt you would be annoyed by that.
by mptfan
Sun Nov 19, 2017 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with 360k for an old man
Replies: 30
Views: 3096

Re: What to do with 360k for an old man

The family is not being self serving, although I can see how you might read that. It's more that he is not particularly financially savvy, and I think may even prefer to let his children decide what's best. He deferred to his wife on financial matters, but now that she is gone, the children are ste...
by mptfan
Sat Nov 18, 2017 8:38 am
Forum: Investing - Help with Personal Investments
Topic: What to do with 360k for an old man
Replies: 30
Views: 3096

Re: What to do with 360k for an old man

Did your grandfather ask for your advice regarding how to invest his money?
by mptfan
Fri Nov 17, 2017 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Spending Taxable to Zero during Retirement
Replies: 42
Views: 5059

Re: Spending Taxable to Zero during Retirement

OffGridder wrote:
Fri Nov 17, 2017 4:54 pm
Somehow I seemed to have left the impression that I am spending down my taxable account in isolation from my tax advantage accounts.
I did not form that impression.
by mptfan
Fri Nov 17, 2017 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Spending Taxable to Zero during Retirement
Replies: 42
Views: 5059

Re: Spending Taxable to Zero during Retirement

I know the general guideline is to burn down your taxable first and then tap the tax deferred and Roth last. There is no such general guideline. This quote from the article cited above is instructive... For most retirees, the tax efficient liquidation of a retirement portfolio requires coordinating...
by mptfan
Wed Nov 15, 2017 2:17 pm
Forum: Investing - Theory, News & General
Topic: Do you subscribe to taking risk only on the equity side
Replies: 40
Views: 2453

Re: Do you subscribe to taking risk only on the equity side

GibsonL6s wrote:
Wed Nov 15, 2017 11:27 am
I am curious, as Larry Swedroe and others have said to take your risk on the equity side. It would seem to me that there are legitimate opportunities in preferred stocks .....
That is a false dichotomy... preferred stocks are equity.
by mptfan
Tue Nov 14, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3608

Re: Chromebook vs Windows 10?

I have been using Google drive for more than ten years. Are you sure about that? Google Drive was launched 5 years ago. "Google Drive is a file storage and synchronization service developed by Google. Launched on April 24, 2012, Google Drive allows users to store files in the cloud, synchronize fil...
by mptfan
Mon Nov 13, 2017 5:01 pm
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3608

Re: Chromebook vs Windows 10?

I have two Chromebooks and a Chromebox at home, and I love them. I don't own a Windows computer anymore.
by mptfan
Mon Nov 13, 2017 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation for 5% return
Replies: 65
Views: 5070

Re: Asset allocation for 5% return

This is a type of defined benefit plan account . The account is to be credited with a guaranteed interest rate of 5% for each year in existence . So I am trying to figure out how best to achieve this . What you are trying to achieve is not possible. I do think it's possible to achieve 5% interest o...
by mptfan
Sun Nov 05, 2017 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Social Security - general question
Replies: 44
Views: 5100

Re: Social Security - general question

There is no contradiction. Social security uses two different estimates for future inflation and future wage growth: The table below shows estimated future cost-of-living adjustments (COLAs) and estimated future percentage increases in the national average wage index (AWI). These estimates are deriv...
by mptfan
Sun Nov 05, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Did I earn an extra hour of interest last night?
Replies: 56
Views: 4090

Re: Did I earn an extra hour of interest last night?

nisiprius wrote:
Sun Nov 05, 2017 9:23 am
Nowadays, is UTC used in courts of law for describing the time when events occurred?
No.
by mptfan
Sun Nov 05, 2017 10:04 am
Forum: Investing - Help with Personal Investments
Topic: What to do with Cash right now
Replies: 13
Views: 1072

Re: What to do with Cash right now

While I am not a market timer I am concerned about putting a lot of this money into the market via taxable index funds given where the market is right now (shame on me but I cant help but feel the market is bound to fall significantly in the not too distant future). I think most Bogleheads would ag...
by mptfan
Wed Nov 01, 2017 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 390
Views: 54821

Re: Retirement Account Stolen by Identity theft

stan1 wrote:
Wed Nov 01, 2017 8:01 pm
I'm surprised you and your dad aren't being asked to sign a non-disclosure agreement.
How do you know they were not asked?
by mptfan
Wed Nov 01, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 390
Views: 54821

Re: Retirement Account Stolen by Identity theft

I am glad it worked out for you. I do wonder if this thread had some impact...after all, Bogleheads.org is one of the most popular personal finance discussion forums on the web, is it not? Perhaps TransAmerica became aware of this thread and they made the right decision to avoid further negative pub...