Search found 2276 matches

by jhfenton
Thu Nov 02, 2017 8:13 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 254
Views: 25915

Re: Excel Macro using Yahoo Finance- not working

There's The admin "Nixon" has since deleted his previous posts that it was being worked on and posted the notice that you quoted above. :oops: At least Is Yahoo! Finance API broken? - Page 25 - Yahoo Help Community is still there, so there is some hope.... Ah, that one is still there. He closed that...
by jhfenton
Thu Nov 02, 2017 7:44 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 254
Views: 25915

Re: Yahoo! Quote Not Working

I tried http://download.finance.yahoo.com/d/quotes.csv?s=VZ and got It has come to our attention that this service is being used in violation of the Yahoo Terms of Service. As such, the service is being discontinued. For all future markets and equities data research, please refer to finance.yahoo.c...
by jhfenton
Thu Nov 02, 2017 2:46 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 254
Views: 25915

Re: Excel Macro using Yahoo Finance- not working

The admin in the Yahoo Finance group reports that they're working on the outage. Hopefully he is correct, and it's not a policy change. Any change you have a link for this information because it seems to be contradicted by This was posted on yahoo.uservoice.com: AdminYahoo Product Support (Admin, Y...
by jhfenton
Thu Nov 02, 2017 12:06 pm
Forum: Investing - Theory, News & General
Topic: Ultra-Short Term Bond (VUBFX) large drop
Replies: 14
Views: 1923

Re: Ultra-Short Term Bond (VUBFX) large drop

Many of Vanguard's other bond funds have dividends that are declared daily and distributed monthly. In this case the NAV is not affected by the distribution at month end. The income accrued during the month for each fund account is calculated by Vanguard. You can see the amount online in your accou...
by jhfenton
Thu Nov 02, 2017 12:00 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 254
Views: 25915

Re: Excel Macro using Yahoo Finance- not working

The admin in the Yahoo Finance group reports that they're working on the outage. Hopefully he is correct, and it's not a policy change.
by jhfenton
Wed Nov 01, 2017 2:34 pm
Forum: Investing - Theory, News & General
Topic: Ultra-Short Term Bond (VUBFX) large drop
Replies: 14
Views: 1923

Re: Ultra-Short Term Bond (VUBFX) large drop

There was a distribution of $0.017 per share which resulted in an NAV drop of $0.02. That's potentially all of the drop if you consider rounding.
by jhfenton
Tue Oct 31, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade fund replacement
Replies: 42
Views: 4403

Re: TD Ameritrade fund replacement

Can someone please confirm the below?? VTI replacement is SPTM VEU replacement is SPDW BND replacement is SPAD Does this sound correct? I know they are not the exact same, but they would be the best substitutes? Yes. Not really. Yes. SPDW is a direct replacement for VEA, not VEU. SPDW and VEA are d...
by jhfenton
Tue Oct 31, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Someone spoofing my phone number?
Replies: 45
Views: 3501

Re: Someone spoofing my phone number?

Like several others in this discussion, I get the same-first-six-digit spam calls all the time on my cell phone. The last four digits appear to be random. They don't appear on spam number lists, because they're not re-used consistently. They're just used to target similar numbers, because it makes t...
by jhfenton
Tue Oct 31, 2017 8:24 am
Forum: Investing - Theory, News & General
Topic: Difference between VDEM and VWO?
Replies: 1
Views: 247

Re: Difference between VDEM and VWO?

The prices of mutual funds and ETFs are completely arbitrary and merely represent different size pieces of the pie. When a new fund is created, the fund company will arbitrarily "slice" the fund into $25 or $50 or $100 slices (or $39.62 if they want). Whether you own four $25 pieces (shares) or one ...
by jhfenton
Tue Oct 31, 2017 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Risk with just ONE Fund Family for Retirement
Replies: 10
Views: 1053

Re: Risk with just ONE Fund Family for Retirement

Once we get to retirement and are living off of our savings, I will want to keep some short-term cash to cover a few months expenses somewhere separate from the rest of our investments, just to cover us in the event our accounts are compromised or frozen. It could be something as simple as Vanguard ...
by jhfenton
Mon Oct 30, 2017 3:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard GNMA Fund Versus Total Bond Market Index Fund
Replies: 19
Views: 2807

Re: Vanguard GNMA Fund Versus Total Bond Market Index Fund

I haven't looked at this closely, but I would note that the actual index fund covering a similar category, Vanguard Mortgage-Backed Securities (VMBS, VMBSX), which if anything should be very slightly riskier because it includes Fannie and Freddie in addition to Ginnie mortgage bonds, has notably lo...
by jhfenton
Mon Oct 30, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Basis -- Converting Vanguard funds to ETFs
Replies: 11
Views: 987

Re: Tax Basis -- Converting Vanguard funds to ETFs

Thanks, that's exactly what I was thinking too. I did change an international fund (but not VSS). And that's a useful method to avoid paying premiums for international ETFs too. It is. In most cases, though, like VEMAX/VWO, I'm happy just buying and holding the Admiral Shares at the same expense ra...
by jhfenton
Mon Oct 30, 2017 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Tax Basis -- Converting Vanguard funds to ETFs
Replies: 11
Views: 987

Re: Tax Basis -- Converting Vanguard funds to ETFs

The conversions are done at mutual fund NAV to ETF NAV, not ETF market price. So the market value of your resulting position will be higher than you started with if the ETF is trading at a premium (and lower if it is trading at a discount). In the case of VSS, which is the ETF I'm usually converting...
by jhfenton
Mon Oct 30, 2017 9:13 am
Forum: Personal Consumer Issues
Topic: iPhone Voicemail Transcription No Longer Working w IOS11
Replies: 17
Views: 1439

Re: iPhone Voicemail Transcription No Longer Working w IOS11

Try the public beta of 11.1 and see if it fixes your problem. I don’t get many voice mails, but I know I had one transcribed last week. But it was on the 11.1 developer beta. How do I do this? Go to beta.apple.com and sign up. They have instructions. It's not a difficult process any more. You need ...
by jhfenton
Sun Oct 29, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: iPhone Voicemail Transcription No Longer Working w IOS11
Replies: 17
Views: 1439

Re: iPhone Voicemail Transcription No Longer Working w IOS11

Try the public beta of 11.1 and see if it fixes your problem. I don’t get many voice mails, but I know I had one transcribed last week. But it was on the 11.1 developer beta.
by jhfenton
Sun Oct 29, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Large blend, no fee suggestion on TDA [TD Ameritrade]
Replies: 7
Views: 523

Re: Large blend, no fee suggestion on TDA [TD Ameritrade]

The only reasonably cheap commission-free allocation funds at TDA are the iShares allocation ETFs: AOA (Aggressive), AOR (Growth), AOM (Moderate), AOK (Conservative). They are all funds of other iShares funds. They are roughly 82.5%, 64.5%, 44.5%, and 34% equity, with a good chunk in international e...
by jhfenton
Sun Oct 29, 2017 10:25 am
Forum: Investing - Theory, News & General
Topic: Bond diversify via StyleMap
Replies: 5
Views: 364

Re: Bond diversify via StyleMap

I guess my portfolio is Scenario D - (A) short-to-mid-term CDs (0-7 years), (B) an intermediate treasury fund (VSIGX), (C) a short corporate fund (VSCSX), (D) an intermediate corporate fund (VICSX), and (E) the only bond fund in my 401(k) (PIMCO Total Return/PTTRX). I also have some (F) Vanguard Ohi...
by jhfenton
Sun Oct 29, 2017 10:07 am
Forum: Investing - Theory, News & General
Topic: What do you think about FTSE Emerging markets?
Replies: 13
Views: 1277

Re: What do you think about FTSE Emerging markets?

I know triceratop knows this, but for others that might not- There are many differences between the construction of EEM (MSCI, basically a large-cap fund with a few mid caps), IEMG (MSCI large-caps, mid-caps and small caps) and VWO (FTSE large, mid and small). Perhaps the most obvious is that EEM a...
by jhfenton
Sat Oct 28, 2017 3:28 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 45111

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

airelleofmusic wrote:
Fri Oct 27, 2017 12:03 pm
Sorry for the misunderstanding I wanted to say 100k$ and not 100k shares. Thanks for your answers.
I assumed that you meant $100K, because few of us have the millions to invest in a single ETF in a single account that 100,000 shares would require. :beer
by jhfenton
Sat Oct 28, 2017 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Bank vs Associated HSA Plus for HSA Investing
Replies: 4
Views: 392

Re: HSA Bank vs Associated HSA Plus for HSA Investing

Just use the SPDR Portfolio ETFs they’re not THAT much worse. +1 I was in the process of moving my HSA to Lively+TD Ameritrade when the news broke. I was momentarily disgruntled, but it's hardly a deal-breaker. The SPDR funds are fine. (I'm using SPEM, the SPDR Portfolio Emerging Markets ETF.) The ...
by jhfenton
Sat Oct 28, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: ETF Vs Admiral
Replies: 16
Views: 944

Re: ETF Vs Admiral

I use Admiral Shares (where available) in tax-advantaged and ETFs in taxable. Why ETFs in taxable? Because ETFs are portable, and that matters in taxable. And although I know I can convert Admiral Shares to ETF shares, that would leave me with messy tax lots, all with fractional shares, if I ever co...
by jhfenton
Sat Oct 28, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 147
Views: 16008

Re: New HSA provider Lively offers investments for $30/yr fee

I just did an in kind transfer from HSA Bank to Lively... Thanks for sharing. It's very encouraging to see how easy it is to move between two HSA providers that use TD Ameritrade as a brokerage platform. I am in the process of doing a Trustee to Trustee transfer from Optum to Lively. Lively told me...
by jhfenton
Fri Oct 27, 2017 7:34 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 45111

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Still so confused with this new list... Do you know if SPDW, SPEM, SPLG are liquid enough now to trade in a decent amount (+/- 100k) ? $100,000? Sure. You could trade $100,000 in any of them just fine. I might split it into two or three trades depending on the fund, but markets are being made for t...
by jhfenton
Thu Oct 26, 2017 2:57 pm
Forum: Investing - Theory, News & General
Topic: Morningstar 5 star rating not meaningful.
Replies: 26
Views: 1817

Re: Morningstar 5 star rating not meaningful.

The chart from Morningstar shows SCZ outperform VSS pretty significantly in the 3 and 5 year timeframe. I believe the star rating is based on one of those timeframes, not sure which. VSS is the classic fund which is completely out of place in its M* category. As others have said, VSS contains a sma...
by jhfenton
Thu Oct 26, 2017 10:29 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 45111

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Correct me if I am wrong, but can't you do a once per year "in-kind" transfer to another HSA? (My HSA is invested in TDA.) In-kind transfers (or any trustee-to-trustee transfers) are not limited to one per year. Cash-in-hand rollovers (passing through your bank account) are limited to one per year.
by jhfenton
Thu Oct 26, 2017 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Tax Basis -- Converting Vanguard funds to ETFs
Replies: 11
Views: 987

Re: Tax Basis -- Converting Vanguard funds to ETFs

1) Does VG use the closing price of the MF and the ETF to do the conversion ? MF's closing prices are fine, but ETFs can also trade in extended hours. Or do they just transfer NAV (which might make more sense) ? VG uses the closing price of the MF and the end-of-day NAV of the ETF to do the convers...
by jhfenton
Thu Oct 26, 2017 6:59 am
Forum: Investing - Help with Personal Investments
Topic: How Well Do You Know About Retirement Income?
Replies: 40
Views: 4655

Re: How Well Do You Know About Retirement Income?

I got 36/38. I missed #11 (the deferred variable annuity question) and #23 (the percentage of folks who will need assistance with ADLs). I agree that they're stretching the definition of those requiring nursing care to hit the high number they cite. At a previous job, I wrote an annual book on Medic...
by jhfenton
Wed Oct 25, 2017 6:44 pm
Forum: Investing - Theory, News & General
Topic: 5-year T-note yield rising, compare to Ally CD
Replies: 5
Views: 1410

Re: 5-year T-note yield rising, compare to Ally CD

When I look at VG Intermediate Treasury Fund (VFITX, duration 5.3 years), though, it shows a SEC yield of 1.8% and a yield to maturity of 2.0%. I presume this is because a) it holds many bonds of different maturities, and b) the rise in yield of Treasuries is recent and may not yet reflect in the S...
by jhfenton
Wed Oct 25, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Difference in ERs between Vanguard's Funds vs ETFs
Replies: 13
Views: 891

Re: Difference in ERs between Vanguard's Funds vs ETFs

I own both VSS and VFSVX, but I hold far more in VSS because of the lower expenses. But, because VSS nearly always trades at a substantial premium, I almost always buy VFSVX. Periodically, I call and convert most of the VFSVX to VSS. (I save a bit of the VFSVX, so I can continue with periodic monthl...
by jhfenton
Wed Oct 25, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Ordering iPhoneX
Replies: 19
Views: 1828

Re: Ordering iPhoneX

Mine get digital noise every so often. Sometimes after 1 minute, sometimes after 20. It stops if I switch back to the phone, or wired earpods. I havent been able to identify a cause (interference, proximity, charge, or temperature). How do I use the headphone jack? I just plug the earpods into my i...
by jhfenton
Wed Oct 25, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: Ordering iPhoneX
Replies: 19
Views: 1828

Re: Ordering iPhoneX

I am planning to order a new iPhoneX on Friday morning, as soon as they allow acceptance of the orders. An article I read told me to download the APPLE STORE APP, and it would go through perhaps easier than via the web site. It's not clear to me what the difference is between the APPLE STORE APP an...
by jhfenton
Tue Oct 24, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: Data Breach Litigation - Anthem
Replies: 6
Views: 693

Re: Data Breach Litigation - Anthem

I and both of our kids were all supposedly involved in the Anthem breach, and I've received one of those little post card forms for each of us over the last few weeks. I have no interest in credit monitoring either. My wife and I both have everything frozen and receive report change alerts from a co...
by jhfenton
Mon Oct 23, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 25
Views: 2061

Re: Which minivan?

Can't really go wrong with either. Test drive both and see how you like them... With a baby on the way, I highly recommend you get the power sliding doors and power rear hatch. +1 and +1 We test drove both in March 2012 and bought an Odyssey. We've loved it. And the (remote) power side doors and (r...
by jhfenton
Mon Oct 23, 2017 10:18 am
Forum: Investing - Theory, News & General
Topic: Are the new SSGA funds at TDA actually proper replacements?
Replies: 3
Views: 309

Re: Are the new SSGA funds at TDA actually proper replacements?

asif408 wrote:
Mon Oct 23, 2017 10:03 am
Note that there is no VXUS equivalent (SPDM doesn't hold emerging markets). You'll have to replicate with SPDW & SPEM.
+1

SPDM is the equivalent to VEA (Vanguard Developed Markets). SPEM is the equivalent of VWO (Vanguard Emerging Markets).

If you use 80% SPDM/20% SPEM, you'd be close to VXUS.
by jhfenton
Mon Oct 23, 2017 7:50 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 147
Views: 16008

Re: New HSA provider Lively offers investments for $30/yr fee

The AOA looks like a decent fund. Wouldn't mind having the Vanguard Target Retirement 2050, but don't like the $25 mutual fund commission. I don't see anything about a 25 dollar cost on TD Ameritrade website? I will do a trustee to trustee transfer every few months probably, would that mean I'd hav...
by jhfenton
Sun Oct 22, 2017 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 147
Views: 16008

Re: New HSA provider Lively offers investments for $30/yr fee

I have my Roth IRA in Vanguard Target Retirement Fund 2050. So I'd be interested in target date funds, life strategy, wellington, etc Wellington is not available on TD Ameritrade as it says not available and closed to new investors AOA iShares Core Aggressive Allocation is on the commission-free ET...
by jhfenton
Sun Oct 22, 2017 7:10 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 37
Views: 4128

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

Now that TD will no longer be offering Vanguard ETFs commission free, has anyone done a comparison of the funds that will be available and how to best structure the 3 fund portfolio by using available commission free options? Best I can tell is the SPDRA Total Stock Market (SPTM 0.03% ER) + SPDRA W...
by jhfenton
Sun Oct 22, 2017 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard ETF Trading
Replies: 2
Views: 291

Re: Vanguard ETF Trading

Once you're account is well-established, Vanguard will let you buy ETF or stocks without the money in the account yet. You can then transfer the money in to cover the trade. I do recall there being additional restrictions the first day or two after I opened our accounts, before our outside transfers...
by jhfenton
Sun Oct 22, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 147
Views: 16008

Re: New HSA provider Lively offers investments for $30/yr fee

What are you guys going to put your HSA money in TD Ameritrade into? iShares Core S&P Total U.S. Stock Market ETF - ITOT looks like it could be an option at 0.03% ER I would look at the new commission-free list, particularly the new core SPDR Portfolio funds. The ITOT equivalent is SPTM, also at 3 ...
by jhfenton
Sun Oct 22, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Expense Ratio
Replies: 6
Views: 480

Re: Expense Ratio

I was chatting with VG rep and asked him how exactly expense ratio worked. He said, expense ratio is taken out of any dividends and or capital gains if any when you sell. The VG rep was probably thinking about the fact that expenses are subtracted from dividends and realized capital gains when the ...
by jhfenton
Sat Oct 21, 2017 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: 3-fund of SPDRs is better than of Vanguard ETF (lower ER)?
Replies: 24
Views: 2769

Re: 3-fund of SPDRs is better than of Vanguard ETF (lower ER)?

if you use the SPDR Portfolio funds, you'll want to swap/split VXUS into SPDW (international developed) at 4 bp and SPEM (emerging markets) at 11 bp. Both are slightly cheaper at the top-line than VEA (7 bp) and VWO (14 bp). Despite the very slight expense advantage for the SPDR funds, I still prefe...
by jhfenton
Sat Oct 21, 2017 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Roth Conversions... I don't get it.
Replies: 10
Views: 1156

Re: Roth Conversions... I don't get it.

Traditional IRA -> Roth IRA conversions are not contributions, so they are not capped at $5,500/$6,500 per year. You almost certainly shouldn't, but you could, convert all of a seven-figure traditional IRA to a Roth IRA in one fell swoop. You'd just have to pay taxes on the entire seven-figure amoun...
by jhfenton
Sat Oct 21, 2017 8:24 am
Forum: Investing - Theory, News & General
Topic: Why do I need bonds? (I'm 30)
Replies: 70
Views: 6756

Re: Why do I need bonds? (I'm 30)

I don't think you do if you can handle market crashes, if you understand that the absolute best thing for a young, aggressive saver is for the market to drop so you can invest more at lower prices. We didn't own any bonds until we reached 45, two years ago. At that point, I decided we were close en...
by jhfenton
Fri Oct 20, 2017 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Returning only the signature page [of a legal document]
Replies: 12
Views: 1198

Re: Returning only the signature page [of a legal document]

It's a frustrating practice, and I put an end to it with our corporate vendor contracts where I have a say in the matter. We use digital signatures now with a commercial provider. The entire document is uploaded, signature locations get tagged, signatories get emails with links to review and sign. B...
by jhfenton
Fri Oct 20, 2017 10:27 pm
Forum: Investing - Theory, News & General
Topic: Why do I need bonds? (I'm 30)
Replies: 70
Views: 6756

Re: Why do I need bonds? (I'm 30)

I don't think you do if you can handle market crashes, if you understand that the absolute best thing for a young, aggressive saver is for the market to drop so you can invest more at lower prices. We didn't own any bonds until we reached 45, two years ago. At that point, I decided we were close eno...
by jhfenton
Fri Oct 20, 2017 8:10 am
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade fund replacement
Replies: 42
Views: 4403

Re: TD Ameritrade fund replacement

https://www.bogleheads.org/forum/viewtopic.php?f=10&t=229801&start=250 There is a lot of discussion. I don't think anybody has liked replacements for "all" of the removed funds, but I'm fairly certain there is a low cost alternative to each of the removed vanguard ETFs somewhere in the iShare or SP...
by jhfenton
Fri Oct 20, 2017 7:56 am
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 37
Views: 4128

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

JustinR wrote:
Thu Oct 19, 2017 10:27 pm
Thanks. Lively said you can do an in-kind transfer within TDA without having to transfer out.
That is unexpectedly awesome! Thanks.
by jhfenton
Thu Oct 19, 2017 2:55 pm
Forum: Investing - Theory, News & General
Topic: Do Index ETFs and Mutual Funds mute the diversification value of their diverse holdings?
Replies: 5
Views: 448

Re: Do Index ETFs and Mutual Funds mute the diversification value of their diverse holdings?

Index funds still own far less than a majority of the equity market. At this point, there is no shortage of active traders to drive price discovery. And though it could be a problem at some theoretical upper limit (99%? 90?%), it would a self-correcting problem. If there were ever too few active tra...
by jhfenton
Thu Oct 19, 2017 2:17 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 45111

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

If you've made a trade within two weeks but sell it and buy off the the new commission free lists, will they hit you with the short term fee or waive it for the next month until November 21 as people transition? I'm guessing the system will ding you for the short-term fee (now $13.90). I would wait...
by jhfenton
Thu Oct 19, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: How secure is fingerprint ID on the Iphone and also for App ID access such as Vanguard?
Replies: 14
Views: 1515

Re: How secure is fingerprint ID on the Iphone and also for App ID access such as Vanguard?

TouchID is quite secure. At least with the Vanguard iOS app, TouchID can only be used to view your account information. If you try to trade or transfer you then have to enter your password. That strikes a nice balance of convenience and security. The TD Ameritrade app allows you to set three levels ...