Search found 5285 matches

by Duckie
Sun Jan 21, 2018 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth with Existing Traditional IRAs
Replies: 6
Views: 346

Re: Backdoor Roth with Existing Traditional IRAs

About $65K in each TIRA is already taxed. <snip> Wife does not work. In that case she should convert her TIRA and pay the taxes on the $15K growth. She could then do the backdoor method based on your income. Rather than "retire", I should have said that I plan to leave my current job (and the abili...
by Duckie
Sun Jan 21, 2018 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth with Existing Traditional IRAs
Replies: 6
Views: 346

Re: Backdoor Roth with Existing Traditional IRAs

My wife and I each have traditional nondeductible IRAs each with balances of about 80k. Since you made non-deductible contributions, how much of that $80K is already-taxed basis? I have existing rollover IRAs with Schwab and a current employer 401k with Fidelity that allows IRA roll in and roll out...
by Duckie
Sun Jan 21, 2018 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help reviewing 1st time backdoor Roth for specific circumstances.
Replies: 6
Views: 342

Re: Help reviewing 1st time backdoor Roth for specific circumstances.

Contribute $3300 existing Vanguard Roth IRA (2017 taxes) Contribute $2200 new Vanguard nondeductible traditional IRA (2017 taxes) Convert $2200 to existing Vanguard Roth before it earns anything (2018 taxes) Instead of splitting it and maybe not getting the ratio correct, just make a $5500 non-dedu...
by Duckie
Sun Jan 21, 2018 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Mismatch between my employer 401k contributions and Fidelity
Replies: 8
Views: 688

Re: Mismatch between my employer 401k contributions and Fidelity

loklav wrote:I suppose I will have a mismatch somewhere between what my employer declared (2017 W-2) and what will be sent by Fidelity (1040?).
If there is a mismatch, the W-2 rules.
by Duckie
Sun Jan 21, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Revisiting Investment Portfolio After Job Change
Replies: 1
Views: 164

Re: Revisiting Investment Portfolio After Job Change

Taxable <snip> Stash Investment Inc <snip> TD Ameritrade This appears to be an unnecessary mishmash. You've got taxable bonds in taxable accounts which is a bad idea. There doesn't seem to be any direction here. I'd sell it all and use the cash to fund your Roth IRAs (backdoor if necessary) for 201...
by Duckie
Sat Jan 20, 2018 10:38 pm
Forum: Investing - Theory, News & General
Topic: Traditional IRA No use for me?
Replies: 12
Views: 880

Re: Traditional IRA No use for me?

Just curious what ccieemerituas meant by above. ccieemeritus and his wife each made $4K non-deductible contributions to TIRAs which is the first step of the backdoor method, but since they have a bunch of other non-Roth IRAs they can't do the second step, the conversion, without paying a bunch of t...
by Duckie
Sat Jan 20, 2018 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: backdoor Roth
Replies: 2
Views: 361

Re: backdoor Roth

cataxed , welcome to the forum. I understand what a backdoor Roth is and how you are advising doing one, but why does the IRS have income limitations for Roths is a taxpayer can simply make a regular IRA contribution one day, and then the next day change it to a Roth? Seems to me that the income li...
by Duckie
Sat Jan 20, 2018 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA- 401K-Brokerage Account Prioritization
Replies: 5
Views: 252

Re: Roth IRA- 401K-Brokerage Account Prioritization

Since we will not be available to contribute any more to our Roth IRA we have talked about just increasing our 401K contribution beyond the employer's match (say maybe 8%-10% but we will have to determine and fine tune how much is too much before we are not taking enough home).We figured out also w...
by Duckie
Sat Jan 20, 2018 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA Provider
Replies: 3
Views: 306

Re: ROTH IRA Provider

We are leaning strongly towards Fidelity and I want to get feedback from the community on their ROTH IRA and Fidelity as a whole. Fidelity is a very good company with superior customer service and as long as you mostly use their index funds you won't go wrong. They have three excellent total market...
by Duckie
Sat Jan 20, 2018 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest funds for retirement?
Replies: 12
Views: 1035

Re: How to invest funds for retirement?

How would you recommend investing the 5% ($60k) that is currently in our two Roth IRA money market funds? We would like to take advantage of the tax-free earnings capability in the Roth IRA’s and earn a decent return, since we won’t need the money in these funds for 10 to 20 years. However, we are ...
by Duckie
Sat Jan 20, 2018 7:05 pm
Forum: Investing - Theory, News & General
Topic: Traditional IRA No use for me?
Replies: 12
Views: 880

Re: Traditional IRA No use for me?

I do not have any pre tax method to contribute toe TIRA (means, my employer does not offer any IRA plans). So, what I to do is take $5500 from my Checking account and fund my TIRA account in TD ameritrade. Is that considered as post tax IRA? Please kindly clarify this to me. (when filing tax, I wil...
by Duckie
Fri Jan 19, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Do we need an emergency supplies kit (go bag)?
Replies: 48
Views: 3467

Re: Do we need an emergency supplies kit (go bag)?

vveat wrote:What kind of situation would the emergency bag help?
Listening to Katrina is a blog by someone who lived near New Orleans when Katrina hit. On this page and following pages he discusses "The Plan" for bugging out and what to take.
by Duckie
Thu Jan 18, 2018 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Maxed 401k, above roth limit, backdoor roth, after tax options
Replies: 2
Views: 299

Re: Maxed 401k, above roth limit, backdoor roth, after tax options

chromatic , welcome to the forum. After funding the trad IRA to backdoor the 5500 annual limit, what are the pros/cons to continuing to fund the traditional IRA with more after tax income vs putting it in a brokerage account? If under age 50 you are not allowed to contribute more than $5500 annuall...
by Duckie
Thu Jan 18, 2018 6:32 pm
Forum: Investing - Theory, News & General
Topic: Finding hidden fees and other charges.
Replies: 2
Views: 454

Re: Finding hidden fees and other charges.

Here's there list of fees. Is this really it, or do I get charged more. How do you find ALL of the charges? Those are just the list of the fund expense ratios. A plan will have other fees like management fees, advisor fees, and possibly even loads. Finding them can take some digging. These are the ...
by Duckie
Thu Jan 18, 2018 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund allocation assistance
Replies: 11
Views: 842

Re: 3 Fund allocation assistance

I actually started playing with some of the rebalance spreadsheets yesterday and realized that when talking about the 60% domestic stock 20% international and 20% bonds it might be referring to the overall portfolio not just 20% of the stock allocation thus meaning I would have the same $$ in bonds...
by Duckie
Wed Jan 17, 2018 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Lost Job. Retirement/Portfolio Advice
Replies: 46
Views: 4270

Re: Lost Job. Retirement/Portfolio Advice

Should I roll over my Tiaa-Cref to Traditional IRA account with my discount broker to manage without fees or keep with Cref? Or should I roll it over to Fidelity or Vanguard? If the fees are high I would move everything I could. I prefer Vanguard but Fidelity is good, too. Which discount brokerage ...
by Duckie
Wed Jan 17, 2018 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund allocation assistance
Replies: 11
Views: 842

Re: 3 Fund allocation assistance

Ok please look at this plan and let me know what you think also if the Fund choices seem appropriate for Example VITPX vs VIVIX?? Change your dollar amounts to percentages. It makes it easier to figure your AA. For example, you want 80% stocks, 20% bonds, with 20% of stocks in international. That b...
by Duckie
Wed Jan 17, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Options for 2018
Replies: 3
Views: 243

Re: 401k Options for 2018

dfwgirl , welcome to the forum. Can you please assist me with picking my 401K options for 2018. You need to add the plan expense ratios to the list of funds. Costs matter. I am currently invested at 25% in International Index, 25% Large Cap, 25% Russell Small Cap and 25% S&P Mid cap. Large caps are...
by Duckie
Wed Jan 17, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA Question
Replies: 11
Views: 1099

Re: Backdoor Roth IRA Question

My wife and I have only 401k, but no traditional IRA. We max out our 401k each year. We do not qualify for direct Roth IRA because of the income limits. So can we each open a new traditional IRA account and convert it into Roth before April 15 and claim it as 2017 contribution while filing taxes th...
by Duckie
Wed Jan 17, 2018 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Asset Allocation Advice
Replies: 6
Views: 586

Re: 401k Asset Allocation Advice

If I’m investing in stocks only, what is a good ratio between US and International stocks? 70/30. Vanguard has found between 20% and 40% of stocks in international to be the "sweet spot". See the Vanguard paper link and the discussion . I usually split the difference and recommend 30% of stocks. Wi...
by Duckie
Tue Jan 16, 2018 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review & 401k Fund Options
Replies: 7
Views: 410

Re: Portfolio Review & 401k Fund Options

Available funds in his 401k The best options are: Vanguard 500 Index Fund Adm (VFIAX 0.04%) -- Large caps, 80% of US stocks Vanguard Mid-Cap Index Fund Adm (VIMAX 0.06%) -- Mid caps, 6% of US stocks Vanguard Small-Cap Index Fund Adm (VSMAX 0.06%) -- Small caps, 14% of US stocks Vanguard Tot Intl St...
by Duckie
Tue Jan 16, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: How did I do? 401K has no tickers - Used Personal Capital to simulate
Replies: 4
Views: 508

Re: How did I do? 401K has no tickers - Used Personal Capital to simulate

KATNYC wrote:Small & Mid Cap Equity Index - Northern Trust Extended Equity Market Index Fund Non Lending - Russell MidCap TR - used IWV iShares Russell 3000 ETF
IWV is similar to Total Stock Market. A better equivalent here would be VXF Vanguard Extended Market.
by Duckie
Tue Jan 16, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: US escorted tours
Replies: 15
Views: 989

Re: US escorted tours

I have a couple who will be visiting the US from Australia. They are interested in exploring potential tours that they can take from the US (e.g. national parks, southwest, new england, etc..). They do not want to drive since they are not comfortable with driving on the "wrong" side :) They want to...
by Duckie
Tue Jan 16, 2018 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie - Company 401k Fund selection
Replies: 8
Views: 485

Re: Newbie - Company 401k Fund selection

Any idea on a good allocation of VANG INST INDEX CIT, FIX EXT MKT IDX IPR, FID INTL INDEX IPS? Like 40, 40, 20? It will depend on your total AA and what other retirement assets are included, but Institutional Index is 80% of stocks and Extended Market is 20% so in your 401k that's how you'd break i...
by Duckie
Mon Jan 15, 2018 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie - Company 401k Fund selection
Replies: 8
Views: 485

Re: Newbie - Company 401k Fund selection

Dishums , welcome to the forum. Options include The best options are: VANG INST INDEX CIT 0.014% -- Large caps, 80% of US stocks FID EXT MKT IDX IPR (FSMAX) 0.045% -- Mid/small caps, 20% of US stocks FID INTL INDEX IPR (FSPSX) 0.045% -- Developed markets, ~75% of international stocks VANG TOT BD MK...
by Duckie
Mon Jan 15, 2018 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: 29 years old, newly married. Need help allocating ~$3300/month
Replies: 8
Views: 1392

Re: 29 years old, newly married. Need help allocating ~$3300/month

Lrt12 , welcome to the forum. After maximizing tax advantaged space listed above, we will have ~$3300 additional each month to invest. I welcome thoughts as to the best way to allocate these funds. In a taxable account for long-term investing the best options are a total US stock index fund and/or ...
by Duckie
Sun Jan 14, 2018 8:52 pm
Forum: Investing - Theory, News & General
Topic: Invested in ROTH IRA but I appear to have crossed $186K mark
Replies: 15
Views: 2150

Re: Invested in ROTH IRA but I appear to have crossed $186K mark

What do you mean by recharacterize? It's like a do-over. They contact their TIRA custodian and say they want the $5,500 TIRA contributions plus earnings "recharacterized" to Roth IRAs. It will be as if they contributed to the Roth IRAs in the first place. They'll have to add a statement saying what...
by Duckie
Sun Jan 14, 2018 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Asset Allocation Advice
Replies: 6
Views: 586

Re: 401k Asset Allocation Advice

I enrolled in my 401k at work about nine months ago and have 4.000 in a Roth of which I’m contributing 50% of my check. Are you contributing to a Roth 401k account instead of a pre-tax 401k account? Or is the above Roth a Roth IRA? Is 50% a typo? This puts me at 65% stocks and 35% bonds approximate...
by Duckie
Sun Jan 14, 2018 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Unwinding Stocks - Where to Start?
Replies: 21
Views: 1316

Re: Unwinding Stocks - Where to Start?

Any thoughts on which stocks to unwind first and recommendations for an overall strategy are appreciated. You could sell all of: Danone DANOY $6,691 General Motors GM $9,489 Intel INTC $7,251 JPMorgan JPM $15,676 Qualcomm QCOM $6,879 For a total gain of $45,986 and reduce the stocks owned from 20 t...
by Duckie
Sun Jan 14, 2018 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Retirement Options
Replies: 6
Views: 708

Re: Help with Retirement Options

Age: 30 (Wife 29) Desired Asset allocation: 100% stocks / 0% bonds I very much disagree with 0% bonds. Funds available from her previous employer at Fidelity 403(b) The best options are: Fidelity 500 Index FUSVX 0.04% -- Large caps, 80% of US stocks Fidelity Extended Market Index FSEVX 0.07% -- Mid...
by Duckie
Sun Jan 14, 2018 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Very Small Companies and HCE Tests
Replies: 3
Views: 344

Re: Very Small Companies and HCE Tests

Lodneg, welcome to the forum.
Lodneg wrote:I am exploring options for retirement savings, and discovered HCE (highly compensated employee) rules for 401(k) plans.
There are "Safe Harbor 401k plans" that might be suitable.

IRS 401(k) Plan Overview
Safe Harbor 401(k) Plans: Answers To Common Questions
by Duckie
Sun Jan 14, 2018 5:15 pm
Forum: Investing - Theory, News & General
Topic: Invested in ROTH IRA but I appear to have crossed $186K mark
Replies: 15
Views: 2150

Re: Invested in ROTH IRA but I appear to have crossed $186K mark

In this particular case you brought up, a MFJ at income of 100K but had already contributed to traditional IRA 2x$5,500, what is the work involved to claim tax benefit on 2x$5,500 after converting to ROTH IRAs? Just 8606 form? Anything else? What exactly do you mean by "tax benefit"? Do you mean a ...
by Duckie
Sun Jan 14, 2018 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Confirmation on my calculations for Solo 401k?
Replies: 8
Views: 576

Re: Confirmation on my calculations for Solo 401k?

DavidRoseMountain wrote:To calculate the self employment, I think you first have to multiply the net business profit by .9235.
nolesrule wrote:I think you forgot to multiply the Net profit by 0.9235 before calculating the SE taxes.
My mistake. I forgot about that calculation.
by Duckie
Sat Jan 13, 2018 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Advice with Traditional IRA
Replies: 3
Views: 261

Re: Advice with Traditional IRA

I made a non deductible contritibution at the end of 2017($5500) and recently made my non deductible 2018 contribution($5500) . My original plan was to backdoor the whole thing into the roth and just pay the taxes now. Before I do that I want to make sure I can't just roll the non deductible $11000...
by Duckie
Sat Jan 13, 2018 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Roll SGENX to Thrift Savings
Replies: 15
Views: 633

Re: Roll SGENX to Thrift Savings

Is there any benefit to rolling my First Eagle SGENX traditional IRA over to my TSP? The TSP is not an IRA but you are allowed to roll TIRA cash assets over to a Thrift Savings Plan. You are also allowed to roll TIRA assets from one custodian to another. You could sell SGENX at your current custodi...
by Duckie
Sat Jan 13, 2018 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Confirmation on my calculations for Solo 401k?
Replies: 8
Views: 576

Re: Confirmation on my calculations for Solo 401k?

If I have Self Employed profit of $75,000, and I have made $18,000 Elective deferrals for EmployEE side, my maximum plan contribution for the year would be $31,940. (accounting for $5,299 deduction for Self Employment Tax.) Therefore my Max Profit Sharing for EmployER side would be $13,940? (Catchu...
by Duckie
Sat Jan 13, 2018 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Allocation Advice Needed
Replies: 7
Views: 459

Re: 401k Allocation Advice Needed

For the sake of simplicity I like the idea of just of mirroring a similar allocation for my wife’s accounts. The problem with that is you can get to the cheaper Admiral/Premium class of shares faster if you only have one fund in a small account. Picking the best/cheapest options in each account ins...
by Duckie
Fri Jan 12, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401K for rental property (but employed fulltime)
Replies: 3
Views: 346

Re: Solo 401K for rental property (but employed fulltime)

I am wondering if I can own solo 401k for profit i earn from rental property. Most of the time income from rental property is considered "passive" and is reported on Schedule E. In that case it is not considered "compensation" and does not qualify for a solo 401k. Is it possible to send my rental p...
by Duckie
Fri Jan 12, 2018 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Distribution or W2 from single owner S-Corp
Replies: 22
Views: 851

Re: Distribution or W2 from single owner S-Corp

Me and my wife both have W2 jobs and max 401k, as well as backdoor Roths <snip> in this scenario can contribute to SEP IRA about 25% of my W2 through business though haven't contributed yet If you have a SEP IRA you will not be able to use the backdoor method. Your wife will. If you do not have any...
by Duckie
Fri Jan 12, 2018 5:39 pm
Forum: Investing - Theory, News & General
Topic: Backdoor Roth with AGI within phase out limits
Replies: 9
Views: 758

Re: Backdoor Roth with AGI within phase out limits

WhiteMaxima wrote:Which tax form shall I use to file tax return?
When making a non-deductible contribution to a TIRA or converting to a Roth IRA you always need to add IRS Form 8606 when filing your taxes. Fill out Part I for the non-deductible contribution and Part II for the conversion.
by Duckie
Fri Jan 12, 2018 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: How do I switch from Ameriprise to an index fund approach
Replies: 4
Views: 455

Re: How do I switch from Ameriprise to an index fund approach

I filled in some blanks. <snip> As far as your question about the REIT and the Annuity here is what I can tell you. My wife changed jobs and the money from her 401K went into two accounts a REIT and an IRA account. The annuity was purchased in the amount of 100,000 when we sold our cabin. At the ti...
by Duckie
Fri Jan 12, 2018 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing funds for 401k
Replies: 31
Views: 1911

Re: Choosing funds for 401k

Since both VNQ and BND have losses, sell them immediately. They don't belong in a taxable account. I'd sell CGMRX now, even with the small short-term gain. Ok, is there a specific method to sell? Market, Limit, Stop, that kind of thing? I've always used Market because I wasn't picky. Others on this...
by Duckie
Thu Jan 11, 2018 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Ticker Symbols on 401k Northern Trust Funds
Replies: 15
Views: 10528

Re: Help with Ticker Symbols on 401k Northern Trust Funds

Also, to continue with my research (in case I want to transfer to some of these funds), how do you find the actual funds or equivalents? You get your specific funds from your 457 plan. But you can find other employer plans' funds with Google. I already knew the equivalents (except for Schroeders). ...
by Duckie
Thu Jan 11, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: brokerage account conversion
Replies: 10
Views: 826

Re: brokerage account conversion

I did roll the 401K into the 403b to make it simpler to manage. So now you have: Taxable at Vanguard -- 5% His 403b at Fidelity (including old 401k) -- 26% Her 403b at Vanguard -- 41% Her 401a at Vanguard -- 16% His Traditional IRA at Vanguard -- 7% Her Traditional IRA at Vanguard -- 5% I've listed...
by Duckie
Thu Jan 11, 2018 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Allocation Advice Needed
Replies: 7
Views: 459

Re: 401k Allocation Advice Needed

I was also planning on opening a solo 401k or IRA for my self-employed spouse. You and your spouse can each contribute up to $5.5K to a personal IRA. (You can still contribute for 2017.) Your spouse can contribute to a solo 401k up to $18.5K as the employEE plus ~20% of net income as the employER. ...
by Duckie
Wed Jan 10, 2018 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Allocation Advice Needed
Replies: 7
Views: 459

Re: 401k Allocation Advice Needed

Renton , welcome to the forum. Hey all I am looking for some advice on how to approximate a three fund portfolio with the funds available to me through my 401k. I am 28 years old and married with no kids. Well, you picked the best options. VFIAX is about 80% of US stocks and VSMAX about 14%. An 85/...
by Duckie
Wed Jan 10, 2018 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover IRA to 401k
Replies: 8
Views: 371

Re: Rollover IRA to 401k

s there any reason why this would not be a good idea? This is a good idea. You have some good, low-cost index funds in the 401k. The best options are: S&P 500 Index 0.02% -- Large caps, 80% of US stocks Small Company Value Index 0.05% -- Small cap value International Equity Index 0.05% -- Possibly ...
by Duckie
Wed Jan 10, 2018 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 4
Views: 469

Re: Portfolio Review

Marjou , welcome to the forum. Age: 38, 44 Desired Asset allocation: 70% stocks / 30% bonds Desired International allocation: 30% of stocks Reasonable for your ages. This breaks down to 49% US stocks, 21% international stocks, and 30% bonds. We would like to move towards a simpler 3 fund portfolio ...
by Duckie
Wed Jan 10, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: SIMPLE IRA and Spousal Backdoor Roth
Replies: 1
Views: 112

Re: SIMPLE IRA and Spousal Backdoor Roth

kevin2martin , welcome to the forum. My question is, if I personally were to have funds a SIMPLE IRA and didn’t want to deal with the pro rata rule for backdoor Roth conversions, I would personally avoid doing a backdoor Roth, but could I still do a $5,500 backdoor Roth contribution for my spouse g...
by Duckie
Wed Jan 10, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: Help gmail security question
Replies: 27
Views: 1526

Re: Help gmail security question

I got five emails like this put thought they were phishing. They looked like they were from google. I did not click on any of them. You received this message because xxx@xxxxxxx(my email) is listed as the recovery email for aaa@aaaaaa. If aaa@aaaaaa is not your Google Account, click here to disconn...