Search found 5641 matches

by inbox788
Mon Oct 29, 2018 2:55 am
Forum: Investing - Help with Personal Investments
Topic: Help! Pick which stocks to sell off
Replies: 11
Views: 979

Re: Help! Pick which stocks to sell off

Below is the list resorted by Cost basis percentage. You've nearly doubled or more all the stocks on the list, but starting from smallest to largest, you unlock the most cash you put in with minimum tax on gains. Also, the last 3 with biggest percent gains, JPM/HD/V, are stocks I'd have more confide...
by inbox788
Mon Oct 29, 2018 2:20 am
Forum: Investing - Help with Personal Investments
Topic: Help! For a larger size taxable account do I pay an advisor?
Replies: 51
Views: 4054

Re: Help! For a larger size taxable account do I pay an advisor?

For a taxable account is it worth it to hire an advisor quoting at just under 1% to manage the account and do tax loss harvesting, so yearly about 7K would be taken in advisor fees. ...I plan to drip in 5k to 10K per month as well, again not sure what to keep buying. NO, don't pay those exorbitant ...
by inbox788
Mon Oct 29, 2018 1:01 am
Forum: Investing - Help with Personal Investments
Topic: Wish I would have found this website 10 years ago.....
Replies: 6
Views: 1939

Re: Wish I would have found this website 10 years ago.....

Emergency Fund could be more than 2 months, say 3-6 months. Mortgage and car loans are at good rates, so can be ignored for now. Just keep paying minimum. Desired AA is adequate/conservative for age. You're basically at 70/30 intending to move 60/40. Either is fine, and some folks like to make the m...
by inbox788
Sun Oct 28, 2018 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: why split property tax payment with SALT limit; why itemize?
Replies: 19
Views: 2290

Re: why split property tax payment with SALT limit; why itemize?

Above Line Deductions: $56k (11k toward pension, 2k for dental premiums taken from paycheck, 19k to 457b, 15k to 403b, 4k to tIRA, 4k for dependent care FSA, $1k for health FSA) Itemized Deductions for CA State Taxes: $22k (roughly 12k in mortgage interest and 10k in property taxes) Taxable Income:...
by inbox788
Sun Oct 28, 2018 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 111
Views: 8391

Re: What did you buy today

panhead wrote:
Sun Oct 28, 2018 1:36 pm
inbox788 wrote:
Fri Oct 12, 2018 12:06 pm
panhead wrote:
Fri Oct 12, 2018 8:39 am
3funder wrote:
Fri Oct 12, 2018 8:31 am
VTIAX.
+1
You guys bought the VTIAX I just sold! I bought VFWAX!
And all of us think we got a good deal!
Naw, I think you got the better deal! I'm counting the days when I can switch back to VTIAX!
by inbox788
Sun Oct 28, 2018 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: why split property tax payment with SALT limit; why itemize?
Replies: 19
Views: 2290

Re: why split property tax payment with SALT limit; why itemize?

...We'll be in the 6% bracket this year. Next year, our gross income should go down somewhat (maybe around $120k) but our plan is to increase retirement contributions. Our income tax liability should be around $100 for the year after deductions and exemptions (family of three people). Most of our t...
by inbox788
Sun Oct 28, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: why split property tax payment with SALT limit; why itemize?
Replies: 19
Views: 2290

Re: why split property tax payment with SALT limit; why itemize?

1) Is there any reason to split the payments across tax years? It depends. If (neglecting the smaller deduction items) a) the full assessment is presented in the fall and b) the annual property tax assessment is more than 2/3 and less then twice the state's standard deduction for your filing status...
by inbox788
Sat Oct 27, 2018 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: why split property tax payment with SALT limit; why itemize?
Replies: 19
Views: 2290

Re: why split property tax payment with SALT limit; why itemize?

Can anyone confirm if this is true for 2018 California Tax Return if I don't itemize Federal Tax Return? I might have to collect and report all the small itemization deduction items after all to optimize state tax return. Itemize Deductions on the State Level If the itemized deductions for your stat...
by inbox788
Sat Oct 27, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: why split property tax payment with SALT limit; why itemize?
Replies: 19
Views: 2290

why split property tax payment with SALT limit; why itemize?

I just got my annual property tax bill with half a payment due in December and the other half in February. I've been paying both and deducting them in current year taxes. I'm in a high income tax state (CA) and with the SALT limit of $10k, I'm not seeing any reason to itemize when the standard deduc...
by inbox788
Sat Oct 27, 2018 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Help! For a larger size taxable account do I pay an advisor?
Replies: 51
Views: 4054

Re: Help! For a larger size taxable account do I pay an advisor?

If you've lost money this year then you definitely need to change what you're doing. Handing the reigns over to an advisor may be a smart choice for you. You can try to reset and follow a good strategy by yourself, and believe me if you actually follow a good strategy you won't be having the same i...
by inbox788
Fri Oct 26, 2018 12:50 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 151
Views: 17541

Re: Fidelity Full View transition to eMoney

I gave eMoney based Full View a test drive today, and it's been terrible. To begin with, I couldn't log in, and had to contact tech support for help (which they were, but should not be necessary in the first place). They use 3rd party cookies to get over to eMoney, which my browser was blocking. Onc...
by inbox788
Fri Oct 26, 2018 2:08 am
Forum: Personal Finance (Not Investing)
Topic: Car lease is up: buy it or get a new lease?
Replies: 46
Views: 3891

Re: Car lease is up: buy it or get a new lease?

Virtually everyone 'minds' losing $13k. But you have to pay more than the expected value, $13k*probability, or else the ins co couldn't cover costs and make a profit*, to avoid it. The question ought be 'can you pretty easily *stand* to lose $13k'? Which realistically has two components. Do you hav...
by inbox788
Thu Oct 25, 2018 11:54 pm
Forum: Investing - Help with Personal Investments
Topic: Taking Equity out of Rental Property to Invest
Replies: 7
Views: 694

Re: Taking Equity out of Rental Property to Invest

...I am in real estate (broker, developer, appraiser, general contractor) and I have rental houses as well. ...Anyway just wanted to get some thoughts on drawing out my equity to have in cash. I'd imagine your time and equity is better used in the real estate business rather than dealing with renta...
by inbox788
Thu Oct 25, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: Insignia TV Has Black Screen
Replies: 32
Views: 1653

Re: Insignia TV Has Black Screen

Today's tv's are fairly reliable and cheap. Send this one to the landfill and go buy a bigger, better model. I'm pretty sure electronics require special disposal. If you're in California (and may other states), you've already paid the disposal fee. And you'll be paying another fee on the new set yo...
by inbox788
Thu Oct 25, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Insignia TV Has Black Screen
Replies: 32
Views: 1653

Re: Insignia TV Has Black Screen

I have sound and I can see a little picture but mostly black. Seems like your backlighting went out. Don't know if there's an easy fix or not. It could be a loose wire, bad connection or might need a replacement bulb, but that might not be as easy as changing a lightbulb. https://www.youtube.com/wa...
by inbox788
Wed Oct 24, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: Mint Mobile feedback
Replies: 15
Views: 1128

Re: Mint Mobile feedback

michaeljc70 wrote:
Wed Oct 24, 2018 5:23 pm
I use Google Voice, so I don't really use their texting or VM.
You might, or should. You have unlimited voice if you use the voice minutes. Otherwise, you're using up your data. It might not be much if you don't exceed your monthly allowance, but if you're going over, it might make the difference.
by inbox788
Wed Oct 24, 2018 2:04 am
Forum: Personal Finance (Not Investing)
Topic: ESPP purchase doesn't add up
Replies: 12
Views: 879

Re: ESPP purchase doesn't add up

Actually, that makes perfect sense. The ESPP paperwork told me to send in a W-9. I just checked the paperwork and it says if it does not certify my SSN, my account may be subject to backup withholding at hte applicable tax rate on all dividends and sale proceeds. That would explain it, thanks inter...
by inbox788
Wed Oct 24, 2018 1:30 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Authorization?
Replies: 1
Views: 499

Re: Credit Card Authorization?

I just received a credit card bill. Under "account messages", there was this statement: You authorize your wireless carrier (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, cus...
by inbox788
Tue Oct 23, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Car lease is up: buy it or get a new lease?
Replies: 46
Views: 3891

Re: Car lease is up: buy it or get a new lease?

https://www.youtube.com/watch?v=uuEbJv03J1I https://www.youtube.com/watch?v=yD6nh9GO_KQ OP, you probably overpaid for those oil changes and got ripped off with the air filters, especially if they were done at the dealership. DIY the air filter and find an independent mechanic for routine maintenanc...
by inbox788
Tue Oct 23, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Implications of a (very) Appreciated House
Replies: 19
Views: 2129

Re: Tax Implications of a (very) Appreciated House

You may want to look into or discuss with a professional about whether Proposition 60/90 would be relevant to your situation and how to properly apply it.

https://www.boe.ca.gov/proptaxes/prop60-90_55over.htm
https://sherylfleming.com/RealtorWebPag ... 1579949412
by inbox788
Tue Oct 23, 2018 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Car lease is up: buy it or get a new lease?
Replies: 46
Views: 3891

Re: Car lease is up: buy it or get a new lease?

You can certainly easily afford a new Civic lease. I would only point out that the reason is a bit silly. Tires, batteries, and brakes, are not "major maintenance" items. They last a relatively long time and are trivial and cheap (compared to leasing a new car) to replace. Battery - quick visit to ...
by inbox788
Tue Oct 23, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4010

Re: Coffee grinder

I only drink Espresso, my preferred grinder at the moment is the Helor 101. For some reason I enjoy the manual grind routine much more at 4:45am than electric. Espresso grade electric is also very expensive , but I love the manual process. https://helor-coffee.com/101/ Do you mean the Helor or in g...
by inbox788
Tue Oct 23, 2018 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Buying opportunity? Invest my emergency fund??
Replies: 13
Views: 2685

Re: Buying opportunity? Invest my emergency fund??

Thank you for responding. YES, I am thinking of changing to a less aggressive AA. Here is how I would formulate it: Let's suppose 2008 is a "worst case scenario". YES, I know it can theoretically be worse, I am just saying let's use that assumption for this exercise. So given that, I don't want the...
by inbox788
Tue Oct 23, 2018 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: HSA question
Replies: 20
Views: 934

Re: HSA question

Can you max out HSA? Yes What would be the alternate investment? Taxable account. The additional HSA contribution can you reduce your taxable income by $3400-3500? At 25% tax bracket that's more than half the $1600 upfront (and more if you're in a higher bracket). So you just have to make up the $8...
by inbox788
Tue Oct 23, 2018 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: HSA question
Replies: 20
Views: 934

Re: HSA question

I am pretty sure joining myself makes sense but I am trying to figure out if it makes sense to add my wife and be able to contribute up to the family limit. If my wife gives up her HMO, I would be paying 67usd more per paycheck (82-15) which per year would be 1608usd (67x24). What do you think? Sho...
by inbox788
Tue Oct 23, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4010

Re: Coffee grinder

We ordered a much fancier grinder but returned it because it looked way too big for our small city countertop. We are happy with our $20 option https://www.amazon.com/gp/product/B00D3IGBPE/ref=oh_aui_search_detailpage?ie=UTF8&psc=1 and like that it is quieter than many. I know coffee snobs says you...
by inbox788
Tue Oct 23, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 80
Views: 5383

Re: Car Dealer told us car was Certified, but it isnt

I believe we were told that the CPO gave us an one year 12, 000 mile warranty. We have had the car about 5 months and driven about 5,000 miles Wow! I'm very surprised they came through. I still don't think you have CPO, but maybe you do and they hid all the paperwork. Maybe they (the dealership) "c...
by inbox788
Mon Oct 22, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus more?
Replies: 38
Views: 4835

Re: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus mo

Provided you have another account ... Fidelity's card requires the cash back bonus be deposited into a Fidelity account. My cash back goes right back to pay the Visa bill. I don't see the need for it to go any further for a few pennies. (It's setup to automatically redeem when it crosses $50 minimu...
by inbox788
Mon Oct 22, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 80
Views: 5383

Re: Car Dealer told us car was Certified, but it isnt

I don't care about paperwork, a verbal contract is as good as written. You cant have sales people telling you a car is certified when it isn't that is fraud. You should care about paperwork because the sales people will deny that they told you that the car was certified and you will have no proof o...
by inbox788
Mon Oct 22, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring $1.2 Mil taxable to Vanguard
Replies: 26
Views: 4389

Re: Transferring $1.2 Mil taxable to Vanguard

I would transfer everything over in kind to Vanguard. Then look at cost basis and expense fees to take further action.

I don't see 30% bonds. What's your desired AA?
by inbox788
Mon Oct 22, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 80
Views: 5383

Re: Car Dealer told us car was Certified, but it isnt

Sorry, but did you read the contract? Did you learn about the program? https://www.mazdausa.com/certified-pre-owned https://www.mazdausa.com/siteassets/pdf/cpo/cpo_brochure.pdf They make a big deal about it and it's plastered everywhere. If you bought a Certified Pre-Owned, it would be all over the ...
by inbox788
Mon Oct 22, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 57
Views: 5199

Re: What to do with >$1000 in Amazon credits?

Why not? 2018 1 oz Gold American Eagle Coin BU 1 OZ Brilliant Uncirculated I looked at it, but coins were selling at a $200 premium to $1200 price of gold. True story. I've had this happen twice now. Once with $700 worth of gift cards from Home Depot and another time with $50 from CVS. Thankfully, ...
by inbox788
Mon Oct 22, 2018 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 97
Views: 7701

Re: For those who paid off house - how did you do it?

I just added a little to the principle each month - paid it off in 11 years and I think I refinanced a total of 4 times from the time we bought it in 2004. Because I refinanced one at a time, I didn't add up that I also did it 4 times in total. I'm not sure you can count on that tailwind going forw...
by inbox788
Mon Oct 22, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Dentist "Service Fee" for Filing Insurance Claim?
Replies: 33
Views: 3239

Re: Dentist "Service Fee" for Filing Insurance Claim?

If copays, that is one thing, if a service charge, it is outrageous. As one who filed insurance in my profession before retirement, such a charge was specifically disallowed in the provider agreement with insurance companies . Insurance companies also required the provider to file for the patient r...
by inbox788
Mon Oct 22, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: Dentist "Service Fee" for Filing Insurance Claim?
Replies: 33
Views: 3239

Re: Dentist "Service Fee" for Filing Insurance Claim?

I was asked to pay a small fee in cash to fill out forms and I was annoyed, but complied. I think it's a start of a bad trend like the nuisance small copays that now account for a large portion of the business and generating office visits seems to be the way to collect more copays. It's like the lu...
by inbox788
Mon Oct 22, 2018 2:07 am
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8653

Re: Quitting w/o notice

Do you have enough vacation that you can go on vacation and then give notice while you're on "vacation"? You could give two weeks notice and then just not show up for those two weeks. Some employers might not make any effort to "fire" you in those circumstances because they you're gone just the sam...
by inbox788
Mon Oct 22, 2018 1:39 am
Forum: Personal Consumer Issues
Topic: Dentist "Service Fee" for Filing Insurance Claim?
Replies: 33
Views: 3239

Re: Dentist "Service Fee" for Filing Insurance Claim?

I was asked to pay a small fee in cash to fill out forms and I was annoyed, but complied. I think it's a start of a bad trend like the nuisance small copays that now account for a large portion of the business and generating office visits seems to be the way to collect more copays. It's like the lug...
by inbox788
Mon Oct 22, 2018 1:12 am
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 57
Views: 5199

Re: What to do with >$1000 in Amazon credits?

In my garage, I have a years supply of toilet paper, paper towels, Kleenex, vinyl gloves, detergent, wet wipes, dishwashing detergent, soap, body wash, deodorant, shampoo, toothpaste, toothbrushes, canned foods, dry foods, Gatorade, other drinks, paper plates, plastic forks, napkins, plastic cups, a...
by inbox788
Sun Oct 21, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: Headlamp for dog walking
Replies: 30
Views: 2108

Re: Headlamp for dog walking

For you or the dog? https://www.youtube.com/watch?v=sgTKUKqTCOI I probably wouldn't get a headlight for the dog, but a lightup collar or vest would help keep him safer. With regular use, I'd be sure to get a rechargeable, and if you go with AA, some way to charge it without removing the batteries or...
by inbox788
Sun Oct 21, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Toshiba CB2 2015 CB35-C3300 w/ HD screen???
Replies: 5
Views: 382

Re: Toshiba CB2 2015 CB35-C3300 w/ HD screen???

I'm on 68.0.3440.118 with an update pending on reset/restart, but my Chromebook is near EOL. I went to Settings/Device/Display Interrnal and the Display goes from Tiny to Huge. Tiny is 2194x1234 (CTL-Shift-- all the way). About 8 gradations with each CTL-Shift-+ I get 1920x1080 (Native), 1807x1016, ...
by inbox788
Sun Oct 21, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: Toshiba CB2 2015 CB35-C3300 w/ HD screen???
Replies: 5
Views: 382

Re: Toshiba CB2 2015 CB35-C3300 w/ HD screen???

Does CTL-Shift-+ change anything? What resolutions are available? The numbers you quoted are odd (1518 x 853) and I can't find any such standards. https://en.wikipedia.org/wiki/List_of_common_resolutions I've got a year older one I'll take a look at later and let you know what I have available. What...
by inbox788
Sun Oct 21, 2018 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: My Edward Jones IRA is out performing my Vanguard 401K
Replies: 72
Views: 9315

Re: My Edward Jones IRA is out performing my Vanguard 401K

Do you have longer time performance, say 5 years? http://quotes.morningstar.com/chart/fund/chart?t=FDTRX®ion=usa&culture=en_US&dataParams=%7B%22zoomKey%22%3A8%2C%22version%22%3A%22US%22%2C%22showNav%22%3Atrue%2C%22defaultShowName%22%3A%22name%22%2C%22mainSettingId%22%3A%22main%22%2C%22navSettingI...
by inbox788
Sun Oct 21, 2018 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Gift Tax
Replies: 10
Views: 521

Re: 529 Gift Tax

Does it matter if the $20k was contributed to one account that is in my name only? No, as long as you file a gift tax return and elect to split the gift. Gill I thought the whole point was NOT to file a gift tax if you stay under. If I'm mistaken, I've got to go back and fix a bunch of years. What ...
by inbox788
Sun Oct 21, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 3075

Re: Why Purchase an Automobile using Premium Gasoline?

But the Lexus RX and NX serve very similar, overlapping, market segments. Your theory that requiring premium signals a better car makes some sense, but not in this case. While there's some overlap, they have very different competition. The NX competes with other luxury cars like the Audi Q5, BMW X3...
by inbox788
Sun Oct 21, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 3075

Re: Why Purchase an Automobile using Premium Gasoline?

A few years ago when I was trying to decide between the Lexus RX and the Lexus NX, the fuel thing was part of my decision to go with the bigger vehicle (RX). Oddly, the NX requires premium but the RX does not. And even though the NX is a smaller vehicle, when you factor in the cost of premium, the ...
by inbox788
Sun Oct 21, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 5639

Re: 8 reasons why pensions are [good]

I was amazed at some of the pensions government worker are receiving. Now that's [good --admin LadyGeek] . https://transparentcalifornia.com/pensions/all/ Just to be clear, my intended meaning was a word that meant good as well as not good at the same time. From the recipient's point of view, it's ...
by inbox788
Sun Oct 21, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 5639

Re: 8 reasons why pensions are [good]

Is " [good --admin LadyGeek] " the word you really want to use here?? Clickbait. I'm guilty as charged. Good is good. Bad is bad. And there is Michael Jackson Bad. https://upload.wikimedia.org/wikipedia/en/thumb/5/51/Michael_Jackson_-_Bad.png/220px-Michael_Jackson_-_Bad.png https://www.songfacts.co...
by inbox788
Sun Oct 21, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Using Mint: Am I correct in having my security concerns allayed?
Replies: 18
Views: 2102

Re: Using Mint: Am I correct in having my security concerns allayed?

(Deleted, misunderstood). I guess the question is how many financial institutions support OAuth, and whether you feel there is a risk simply in disclosing read-only access. You might want to listen to the podcast, Anatomy of a Scam , and, in particular note how important it is to scam artists to kn...
by inbox788
Sun Oct 21, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Using Mint: Am I correct in having my security concerns allayed?
Replies: 18
Views: 2102

Re: Using Mint: Am I correct in having my security concerns allayed?

My thinking on this is companies get hacked all the time. If the companies at which I have financial accounts get hacked that's on them, if Mint/Personal Capital/etc get hacked and I gave them usernames and passwords to log in to my financial accounts against the terms of service of those financial...
by inbox788
Sun Oct 21, 2018 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Using Mint: Am I correct in having my security concerns allayed?
Replies: 18
Views: 2102

Re: Using Mint: Am I correct in having my security concerns allayed?

Many companies don't want to play ball and that's been the main problem with API's that led to screen-scraping. Is Mint only API now? Website doesn't say much that I was able to find. Is there a list of institutions that they interface with without downloading the app and signing up? What fraction ...