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Thread: Online Tools

  1. #1

    Join Date
    Feb 2007
    Location
    San Diego, CA
    Posts
    6,941

    Default Online Tools

    Post here for online tools for budgeting.
    THIS IS WHERE I WOULD PUT SOMETHING TO REPRESENT MY THINKING, BUT THEN THEY SHOW UP!
    Tracker =
    100%- I Fund


  2.  
  3. #2

    Join Date
    Mar 2011
    Location
    Utah, Wasatch Front
    Posts
    918

    Default Re: Online Tools

    I used Mint and liked it but don't keep up because I'm too erratic with my spending. Not everything can be allocated on a monthly basis. Sometimes I take trips, sometimes I buy stuff etc. etc. I just decided instead to set a savings goal, automate the transfers and "live however I see fit" off the rest. If my living expenses get too high I have to manual transfer $ out of savings...then I can scold myself. Just had to do it this month when I made gametime decision on spendy new mt. bike. Bad Mapper!!!!

    In any case, I liked being able to access from home or office and they have a pretty reasonable android app. Once you set a budget with them they will email you anytime you exceed you category limit. You will need to go in occasionally and adjust some of the automatic categories as it is not perfect. I also had consistent issues with the site accessing my information from a US bank credit card...maybe it's fixed now, don't know
    2011: 12.73%; 2012: 16.44 %, 2013: 17.46%, 2014: 5.35 ; Past 12 months 6.81% as of 01/31/2015


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  5. #3

    Join Date
    Jul 2007
    Location
    Europe
    Posts
    7,844
    Blog Entries
    279

    Default Re: Online Tools

    I tried to us Mint once, but it wouldn't sync with my USAA account and support on this issue (from both USAA & Mint) was **** poor so I gave up.

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  7. #4

    Default Re: Online Tools

    Been using Mint for 2 years now with USAA, NFCU, TSP, Fidelity (soon TDAmeritrade), and too many credit card companies...

    I like it.
    Rules:
    - Trade what you see, not what you believe
    - Don't put stuff in your signature that a Mod doesn't like

    "Government exists to protect all people’s rights, not some people’s feelings." - A. Barton Hinkle

    Great Tools:
    http://www.CreditKarma.com
    http://www.Mint.com
    http://www.SaveUp.com/r/nmJ

  8.  
  9. #5

    Join Date
    Jul 2007
    Location
    Europe
    Posts
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    Blog Entries
    279

    Default Re: Online Tools

    Quote Originally Posted by RealMoneyIssues View Post
    Been using Mint for 2 years now with USAA, NFCU, TSP, Fidelity (soon TDAmeritrade), and too many credit card companies...

    I like it.
    Cool, I may have to spin the wheels again and see if I can get the USAA working. It was about a year ago and it wouldn't work (although it did appear to work for most folks) it was some sort of sync/username password issue.

  10.  
  11. #6

    Default Re: Online Tools

    Quote Originally Posted by JTH View Post
    Cool, I may have to spin the wheels again and see if I can get the USAA working. It was about a year ago and it wouldn't work (although it did appear to work for most folks) it was some sort of sync/username password issue.
    If you use the custom features of the USAA interface, you might have a problem.
    Rules:
    - Trade what you see, not what you believe
    - Don't put stuff in your signature that a Mod doesn't like

    "Government exists to protect all people’s rights, not some people’s feelings." - A. Barton Hinkle

    Great Tools:
    http://www.CreditKarma.com
    http://www.Mint.com
    http://www.SaveUp.com/r/nmJ

  12.  
  13. #7

    Join Date
    Jul 2007
    Location
    Europe
    Posts
    7,844
    Blog Entries
    279

    Default Re: Online Tools

    Quote Originally Posted by RealMoneyIssues View Post
    If you use the custom features of the USAA interface, you might have a problem.
    What do you mean by custom features?

  14.  
  15. #8

    Default Re: Online Tools

    Quote Originally Posted by JTH View Post
    What do you mean by custom features?
    On your 'My Accounts' screen, there is a 'Turn on your Custom View' and if you don't have that link you might already be using the custom views. Turn them off when you try Mint out to see if there are any issues. I would suspect that you won't use the custom views if you are using Mint...
    Rules:
    - Trade what you see, not what you believe
    - Don't put stuff in your signature that a Mod doesn't like

    "Government exists to protect all people’s rights, not some people’s feelings." - A. Barton Hinkle

    Great Tools:
    http://www.CreditKarma.com
    http://www.Mint.com
    http://www.SaveUp.com/r/nmJ

  16.  
  17. #9

    Join Date
    Mar 2006
    Location
    Raleigh, NC
    Posts
    3,021

    Lightbulb Sequester The Molester is Staring Me in the Face...

    So, Sequester the Molester is staring me in the face - behind shades in a clapped out blue full size van from the 1970s...
    Not a nice image. Not a nice reality...

    Too bad the Money Managers we call Congress and our Agency's Political Leadership are so dumb moneywise. My Agency's fine leadership thought they could play the 'cut to the bone' game. They finally lost that one during the last BRAC, they appear to be losing this one in the first inning. Oh well, it would have been much easier to deal with a 4% pay cut spread out over the year than a 20% pay cut taken over a period of five or six pay periods. I guess they thought Joe Sixpack would never want any part of the gubmint to cut its bloated budget.

    So, since this is an 'on-line' tool thread, may I recommend DinkyTown.Net's 'Payroll Deduction Calculator'.

    We've all seen the simplistic Sequester Calculators of Doom. The ones that don't take the fact that your Social Security, Medicare, State, Federal, and 401(k) (TSP) deductions are reduced proportionally from your gross salary. Those reductions will somewhat buffer the kill shot. This one does. Additionally, you can figure out the rather smallish change resulting from your pension deduction.

    Now, for me, that means that I can pre-pay the two months left on my car loan to free up some cash flow and dump my Federal and State taxes via additional withholdings while simultaneously increasing my TSP contributions to keep those where I want them. And, not lose a dime in take home pay. All I have to do is be careful to increase my withholdings to cover the difference upon the conclusion of the sequester. I can use the money that was going into my car payment (and during the sequester was going to my take home pay) to cover my tax bite. I can overpay in October, November, and December what I underpay in July, August, and September. It can be a dangerous game, but - as the gubmint is learning - math is king. Too bad the goobers running the show are lawyers.

    It's nice to have the tools to kick the grabber in the teeth. And who knows, I might keep my TSP contributions high just to keep on kicking...
    Lookin' up at the 'G Fund'!!!


  18.  
  19. #10

    Default Re: Sequester The Molester is Staring Me in the Face...

    yeah brother, let 'em have it, both barrels. suckas.

    Quote Originally Posted by Boghie View Post
    So, Sequester the Molester is staring me in the face - behind shades in a clapped out blue full size van from the 1970s...
    Not a nice image. Not a nice reality...

    Too bad the Money Managers we call Congress and our Agency's Political Leadership are so dumb moneywise. My Agency's fine leadership thought they could play the 'cut to the bone' game. They finally lost that one during the last BRAC, they appear to be losing this one in the first inning. Oh well, it would have been much easier to deal with a 4% pay cut spread out over the year than a 20% pay cut taken over a period of five or six pay periods. I guess they thought Joe Sixpack would never want any part of the gubmint to cut its bloated budget.

    So, since this is an 'on-line' tool thread, may I recommend DinkyTown.Net's 'Payroll Deduction Calculator'.

    We've all seen the simplistic Sequester Calculators of Doom. The ones that don't take the fact that your Social Security, Medicare, State, Federal, and 401(k) (TSP) deductions are reduced proportionally from your gross salary. Those reductions will somewhat buffer the kill shot. This one does. Additionally, you can figure out the rather smallish change resulting from your pension deduction.

    Now, for me, that means that I can pre-pay the two months left on my car loan to free up some cash flow and dump my Federal and State taxes via additional withholdings while simultaneously increasing my TSP contributions to keep those where I want them. And, not lose a dime in take home pay. All I have to do is be careful to increase my withholdings to cover the difference upon the conclusion of the sequester. I can use the money that was going into my car payment (and during the sequester was going to my take home pay) to cover my tax bite. I can overpay in October, November, and December what I underpay in July, August, and September. It can be a dangerous game, but - as the gubmint is learning - math is king. Too bad the goobers running the show are lawyers.

    It's nice to have the tools to kick the grabber in the teeth. And who knows, I might keep my TSP contributions high just to keep on kicking...
    100g

  20.  
  21. #11

    Join Date
    Mar 2006
    Location
    Raleigh, NC
    Posts
    3,021

    Default Re: Sequester The Molester is Staring Me in the Face...

    The Sequester Molester is driving his clapped out blue full size van - wearing his cheap shades - around town. He will pick up his first set of victims in my agency on Monday. I will be drawn in by candy and sweet talk. Such a nice young man Mr. Sequester is...

    But how has that DinkyTown thang gone.

    First, I thought it would take more time for the tax and allotment changes to take place. I am suddenly rich.
    Second, the computations in the DinkyTown calculator were not perfect, but were quite good. I strongly recommend it.

    I think I will actually be able to reduce my withholdings - but I will do the wait and see thang. Again, I highly recommend the DinkyTown financial calculators... As a result of a little luck, a little prior planning, and the DinkyTown calculator I will have 911 on my cell phone speed dial when the Sequester Molester leers my way.
    Lookin' up at the 'G Fund'!!!

  22.  
  23. #12

    Join Date
    Mar 2006
    Location
    Raleigh, NC
    Posts
    3,021

    Default Re: Sequester The Molester is Staring Me in the Face...

    Re(1): www.multpl.com

    I think there are those of us - maybe even me, the Village Idiot - who can make use of this website: www.multpl.com

    You want to know what the current S&P500 P/E is. Look there. To the day. The Shiller P/E of the S&P500. Yup. How about the GDP of some Eurotrash country. Yes Sir!!! And, they have nice charts and everything. Looks kinda like we are done with the easy gains - sorry Amoeba, too bad you overthought things and spent so much time out of the market. Now, we are in a normal flight path. Nice to have more than doubled since 2008... But, a normal 10% market ain't a bad thing - Amoeba, the Orcs are right around the corner!!!
    Lookin' up at the 'G Fund'!!!

  24.  
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