MFA
MFA Financial, Inc
stock NYSE

Some of the coolest stuff you'll see today, check it out!
[PROOF](https://coindex.app/photo/nOi1jgB)
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.95g Alaska Gold Nugget - [Front](https://coindex.app/photo/Icnjnhe) [Back](https://coindex.app/photo/1pElVTk) \- $205
.66g Montana Gold Nugget - [Front](https://coindex.app/photo/ga0OySa) [Back](https://coindex.app/photo/u0RzbQ7) \- $140
PF70 Illusions Pronghorn - [Front](https://coindex.app/photo/WYuO8n6) [Back](https://coindex.app/photo/SMrkunX) \- $175
PF70 Illusions Mountain Goat - [Front](https://coindex.app/photo/RLTGNjw) [Back](https://coindex.app/photo/NMjoomC) \- $175
PF70 Portraits Gilt Polar Bear - [Front](https://coindex.app/photo/OzElhkH) [Back](https://coindex.app/photo/fkSFHk4) \- $200
PF70 Portraits Gilt Elk - [Front](https://coindex.app/photo/eIi6UnC) [Back](https://coindex.app/photo/OgSHDy5) \- $230
PF70 Mosaics Grizzly - [Front](https://coindex.app/photo/XbH64kj) [Back](https://coindex.app/photo/UJr2rBj) \- $205
MS70 1/2oz Polar Bear - [Front](https://coindex.app/photo/QfrVJkN) [Back](https://coindex.app/photo/9CKPUsJ) \- $65
PF70 3/4oz Bighorn Sheep - [Front](https://coindex.app/photo/lGvXsQh) [Back](https://coindex.app/photo/KTj4cHq) \- $100
MS70 1.25oz Bison - [Front](https://coindex.app/photo/Vz9jqBR) [Back](https://coindex.app/photo/YPvO0i8) \- $115
(1) 1/4oz Bobcat - [Front](https://coindex.app/photo/opcDbOY) [Back](https://coindex.app/photo/E1Vkibf) \- $30
(1) 3/4oz Great Horned Owl - [Front](https://coindex.app/photo/vr6INNK) [Back](https://coindex.app/photo/0JfcueE) $55
(8) 1.5oz 2017 Grizzly - [Front](https://coindex.app/photo/oOFnsQA) [Back](https://coindex.app/photo/kjoSzi9) \- $96ea.
(6) 1.5oz 2016 Falcon - [Front](https://coindex.app/photo/SkhJjHL) [Back](https://coindex.app/photo/xZ6WlLM) \- $96ea.
North American Buffalo Bar - [Front](https://coindex.app/photo/EsiK2i0) [Back](https://coindex.app/photo/UtOuY9B) \- $95
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OPEN TO OFFERS! Worst I can say is no thanks!
Watch out for scams! My account is MFA secure, and I WILL NEVER CHAT FIRST. Please reply with Chat in comments, then click my name at the top of this post to initiate.
BIN takes priority!
**SHIPPING AND INSURANCE**: USPS - Under 6oz $7 ground, or $12 Priority. Over 6oz I will give you a quote at cost. Rural addresses may incur higher shipping costs.
Insurance is available at cost to the buyer. The buyer is responsible for deciding whether or not to purchase insurance or accept 100% of the risk in the event of a lost or stolen shipment. All items will be hand delivered to USPS no later than 1 business days. Tracking will be provided.
After USPS accepts the package, I cannot be responsible for shipment issues, but I will assist in any way I can.
**PAYMENT METHODS**: Zelle / Venmo F&F. NO COMMENTS/NOTES! Random emoji or "." is fine if necessary.
If any photos do not match up, please let me know and I will correct them.
Thank you!

Only issue MBAs to people who can pass either a MFA or a MS.

>that's absolutely a differentiator
To who, though? The *vast* majority of people wouldn't even enable MFA without being forced to. Most of the rest of people wouldn't if it wasn't shoved in their face. Of the small portion that remains, most of us recognize that the actual benefit of fido2 over totp (or even SMS) is minimal in almost every case.
>I don't think resources are a great excuse given how lean Vanguard runs.
Every company allocates resources (money) differently. It's complicated and we don't have enough information to really compare, but we know a few things.
Vanguard has higher fees than Fidelity. Fidelity has better customer service, which you can consider an additional cost center. These are both ways Fidelity may have prioritized spending differently than Vanguard.

I made a post about this issue a while back- they don’t verify changes in sensitive operations such as changing phone numbers, email or password (current password not required) or MTL. Every FI I’ve dealt with does this re-auth.
Apparently they assume once you’ve authenticated with MFA then you can make these changes without re-authentication.
I don’t know if you have MFA off then will Fidelity prompt for verification for these kind of changes.
I made this post as something that can be done server side as a mitigation against session theft. I didn’t think about this particular consequence of no re-authentication where someone could accidentally enter someone else’s number/email on their own account.