@principalmember said in Credit Card limit your max amount if possible.:

Yes, we charge everything, and I have it set so that all bills are paid in full, automatically every month - I track it all in Quicken.

I hope people will get over this fascination/addiction to tracking things in Quicken - what purpose does it serve? I charge everything, I forward pay my bills, the credit card companies auto magically withdraw their payments from my brokerage account which can never be overdrawn. Periodically, I will glance at my monthly transactions to make sure I recognize something - but other than that, everything is on auto pilot with no tracking. For that matter, what is quicken?

I don’t use Quicken, but I do export transactions to CSV files every couple months and keep them all in a massive excel workbook. That way, when I need to find a transaction I can just filter/search for it and find out which credit card I made the purchase with. This is something that would also be possible if I used Quicken, so there is some benefit, even if only used as an aggregator. The other functions of Quicken may be helpful to some as well. It’s nice to be able to determine how much you spend at particular merchants or in particular categories. I’ve tried Quicken and Mint, but they just get things wrong too often that it makes it not worth it, not to mention the fact that they still seem to be unable to match up transfers to/from accounts. But if Quicken worked well without any extra effort from me in recategorizing, etc. I’d use it.

@skywalkerninja said in Free Equifax Credit Freeze Through 11-21-2017:

@fivetalents This was for Equifax. I was able to place a freeze for all bureaus for my account (including Equifax). For my spouse I ran into issue with Equifax where they asked me to provide a written letter.

It’s possible they saw a request for two different people coming from the same device in a short time frame and it got flagged. It seems odd that they would flag a freeze request, but I guess there are scenarios in which an impostor may want to freeze it.

Have the developers considered setting up a collaborative bug tracking/resolution system? Something like Mantis?

@dangeruss said in Withdrawing From Roth:

@velociraptor said in Withdrawing From Roth:

To start, no, it does not matter which ROTH IRA account you are pulling from.

Assuming no conversions or rollovers within the past 5 years, and you set up any ROTH IRA for yourself more than 5 years ago, you should not have to worry about the 5-year language.

So you can’t pull the money out if you’ve been doing backdoor IRA?

There are various ordering rules and this isn’t my area. However, broad strokes: each conversion is treated as one and under the ordering rules, the oldest conversion is what you’d be distributing from first. However, even before you’d be taking distributions of the conversion amount, you’d have to take a distribution of all of your regular contributions.

To start, no, it does not matter which ROTH IRA account you are pulling from.

Assuming no conversions or rollovers within the past 5 years, and you set up any ROTH IRA for yourself more than 5 years ago, you should not have to worry about the 5-year language.