My wife and I were planning on accompanying my brother and soon to be sister-in-law to the Big Island of Hawaii in June, and as a result I did quite a bit of planning for the trip. Being cost efficient is important to all of us, but making sure we end up with decent accommodations at a good value is possibly even more important.

I thought I would document my search methodology in case it helped others to find and book their travel online. Please note that I am very meticulous when it comes to travel planning. I’m picky about where I stay, how I get there, and want to know what I’m going to do while I’m there. I even make printouts and carry a small binder with me. Anal, I know… but it works for me.
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Smith Barney recently began forcing it’s clients to change their Web login in what is claimed to be a “security enhancement” maneuver. This applies to every client in the US that has a joint account (ie- married couples).

They are forcing this change in conjunction with the requirement of adding challenge questions and answers to each account, but they don’t list the reason for inconveniencing what must be hundreds of thousands, or millions, of clients. In fact, they claim:

Today Smith Barney’s nearly 12,400 Financial Consultants serve more than 7.5 million client accounts representing nearly $900 billion in client assets.

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I don’t know why Citi doesn’t make a bigger deal about publicizing this feature of their credit cards, but they actually have an excellent security option which helps protect customers making online purchases. They mention it only in one paragraph here.

If you have a Citibank credit card, you can use the Virtual Account Number feature to generate temporary “alias” numbers to give out in place of your actual number. Why would you want to do that? Well, there are lots of reasons… read on and I’ll give you a few.

Ok. This just pisses me off. Can someone explain to me why Citibank is going to spend the money to develop and implement fingerprint reading ATMs for the poorest people in India, but not for the richest people in the US?

I mean, I wouldn’t have to lug along another ATM card if they’d just put a fingerprint scanner on their ATMs. Instead I could just swipe a finger, enter my PIN and be gone. Just think – if someone stole my wallet I wouldn’t have to worry about not having any cash as long as I could get to an ATM.
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The Internet is not a safe place. I’m not talking about your kids, I’m talking about YOU!

Recently my financial institutions have begun implementing “security enhancements” in order to fain compliance with guidelines set by the FFIEC. In a nutshell, the recommendation is as follows:

Using nothing more than a login ID and password to access banking and financial transaction services via the Web is insecure. Instead, financial institutions should turn to multi-factor authentication schemes to ensure client safety.

In order to understand what this means, here is a quick security lesson.
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