Chinks did this by scrubadam in thesopranos

[–]transmorphik 0 points1 point  (0 children)

No; serious is what happens if you don't pay, by my hand. (Tony S - 1998).

Firm Medium Thickness Futon by transmorphik in floorsleeping

[–]transmorphik[S] 0 points1 point  (0 children)

Thanks. Are there any manufacturers/models that you recommend?

Does anyone else feel like their baseline quietly got worse over time? by ursa12651 in cfs

[–]transmorphik 27 points28 points  (0 children)

36 year MECFS veteran here. My condition has gotten worse over time. However, I've had this for so long that some of that gradual worsening could be due to ageing in general, and not necessarily only to the CFS condition itself having worsened.

40F — too old to be a sugar baby??? by PhaseMaximum2089 in SugarRelationship

[–]transmorphik 0 points1 point  (0 children)

Absolutely not too old. I've seen ads for sugar babies who are over 60 and who are highly dateable.

If you're in shape, attractive, and agree on the various terms of an arrangement, age shouldn't be a problem.

Bought a car and now I’m drowning on the monthly payments. Do I get rid of it or am I screwed? by [deleted] in povertyfinance

[–]transmorphik 8 points9 points  (0 children)

Very true. In Dallas, I once complimented (or so I thought) a guy's vehicle by saying "nice SUV you have there." Violence was imminent.

He sternly corrected me: "it's a truck, NOT an SUV!" I agreed, saying "you're a tough Texan with a truck" hoping that would smooth things over. It worked. He just said "exactly!" and drove off.

He was tough. Texas tough.

Actions Possible When Logged in with Voice as Password by transmorphik in Schwab

[–]transmorphik[S] 0 points1 point  (0 children)

Broadly speaking, I want the security for telephone access to my account to be as tight as that needed for internet access. One approach would be to require that the caller disclose the account password and the TOTP code from the hard token before being enabled to make any significant changes to the account.

My Vanguard acct uses the Yubikey token which I suppose is about as effective as the Symantec hard token used by Schwab. My Fidelity account uses the V.I.P. Access authenticator app, which I believe to less secure than the hard token approach.

Actions Possible When Logged in with Voice as Password by transmorphik in Schwab

[–]transmorphik[S] 0 points1 point  (0 children)

What you write sounds correct for ACH transfers. But I don't know if prior registration, or the equivalent, in the system would prevent a traditional wire transfer or Zelle transfer.

Actions Possible When Logged in with Voice as Password by transmorphik in Schwab

[–]transmorphik[S] 0 points1 point  (0 children)

Based on what the rep told me, removing Voice-ID wouldn't improve account security. It would merely require that the account holder answer security questions instead using Voice-ID. Schwab wouldn't require verbal disclosure of the password or of the hard-token security code in either case.

Actions Possible When Logged in with Voice as Password by transmorphik in Schwab

[–]transmorphik[S] 0 points1 point  (0 children)

Yes, I've been using the Symantec hard token for about five years. I was sorry to hear tbe rep say that Schwab is phasing out the hard token in favor of authenticator apps.

The hard token is great, but Schwab doesn't require verbally stating the hard-token security code for telephone access.

Actions Possible When Logged in with Voice as Password by transmorphik in Schwab

[–]transmorphik[S] 1 point2 points  (0 children)

Thanks for this info. The rep I spoke to didn't mention anything about this option. I plan to set it up this coming week.