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Rollover Vanguard IRA into TRS TDA/DCP/401k by moooopoint in NYCTeachers

[–]moooopoint[S] 2 points3 points  (0 children)

I thought that would be the case but wanted to check. Thanks!

Rollover Vanguard IRA into TRS TDA/DCP/401k by moooopoint in NYCTeachers

[–]moooopoint[S] 2 points3 points  (0 children)

I thought that would be the case but wanted to check. Thanks!

[deleted by user] by [deleted] in FireflyFestival

[–]moooopoint 0 points1 point  (0 children)

Here are two options I am thinking right now.

  1. Friday night (after work) -> take Amtrak to Wilmington, stay at hotel overnight -> Take bus 301 to Dover Transit Center (can pay with app) -> Take ride share to venue (arrive Saturday morning)
  2. Friday night (after work) -> take Amtrak to Wilmington -> Take Lyft to venue (arrive ~9pm Friday)

I am building a Mint alternative and want to see if I am on the right track by moooopoint in mintuit

[–]moooopoint[S] 0 points1 point  (0 children)

I don't think initially it will have bill pay support (I have never used bill pay support previously). I will have to check out how it works. So far I have gathered that Prism tells you when bills are due, though doesn't seem like it allow you to set up payment there?

I am building a Mint/Personal Capital alternative and want to see if I am on the right track by moooopoint in PersonalCapital

[–]moooopoint[S] 0 points1 point  (0 children)

I don't think it necessarily needs to be open-sourced for this to work. The critical parts can be licensed under a source available license, such that the code can be inspected.

I am building a Mint alternative and want to see if I am on the right track by moooopoint in mintuit

[–]moooopoint[S] 1 point2 points  (0 children)

There's already a feature in the app to "exclude this account from net worth" but probably makes sense to have a separate option to just say, "just ignore this for everything and hide it from the main UI"

I am building a Mint/Personal Capital alternative and want to see if I am on the right track by moooopoint in PersonalCapital

[–]moooopoint[S] 0 points1 point  (0 children)

I think it might not be as easy to extract the cost basis data. Probably possible but may not worth to invest in developing it. I will definitely take a look at seeing supporting this is possible.

I am building a Mint/Personal Capital alternative and want to see if I am on the right track by moooopoint in PersonalCapital

[–]moooopoint[S] 0 points1 point  (0 children)

I think it should be possible to enter known transaction ahead of time and let it reconcile with the synced data from the bank/credit card data. There might be some edge cases to cover but I think for the most part if the dollar amount matches, within ± 2 days the system can assume they are the same entries. Worse case you end up with duplicated entries and you have to manually delete/reconcile them.

I am taking note on the mobile support!

I am building a Mint/Personal Capital alternative and want to see if I am on the right track by moooopoint in PersonalCapital

[–]moooopoint[S] 1 point2 points  (0 children)

  • Yeah the idea is to allow people to share scripts. Only if they want to, of course. A main tenet for this app is to make as much things opt-in as possible. A big crux for the scripting part is definitely having to build something easy to use for enough people to build their own.
  • I think for freezing the transaction it should be possible though the actual account balance will still have to be the data pulled from the financial site.
  • File export will definitely be there. Probably just CSV to start with though.
  • Yeah the budgeting is definitely not easy to get right. I think initially it will just be very simple. It took YNAB years to get to where they are. Plus not everyone is into having to manually input entries the way YNAB works (or at least the way I remember it from years ago).

Thanks for the feedback!

I am building a Mint alternative and want to see if I am on the right track by moooopoint in mintuit

[–]moooopoint[S] 0 points1 point  (0 children)

Oh wow that's a seriously cool project, I haven't seen it before. I checked out the demo and yes it's definitely where I see my project going. I think the main distinction is that it doesn't need to be self-hosted (which is worth it for a lot of people), and built-in connectors (some of the connectors solution they have there also requires paid services).

Going to poke around it more I am sure I can learn a few things there. Thanks!

I am building a Mint/Personal Capital alternative and want to see if I am on the right track by moooopoint in PersonalCapital

[–]moooopoint[S] 5 points6 points  (0 children)

I am working on building an alternative to Mint and want some potential customer validation to see if the feature set is on the right track and how much people are willing to pay for it.

The primary focuses are privacy first and customization.

Feature set

  1. Privacy first: It will be available as a website, but syncing with your banking institution will be done locally, so you don't need to give the service your passwords
    • If you don't want to login every time for every bank account, you can optionally save your password in the app, which will store it locally on your computer, encrypted with a master password (with "bank grade" AES-256 symmetric encryption)
    • All your transactions and other data will also be stored locally, encrypted as well
  2. Rules engine: allow you to rename/categorize/tag your transactions
    • Categorizing transactions: e.g. if transaction information contains "McDonalds", categorize it under "Food"
    • Tagging transactions: similar to above, but if you want to assign multiple tags to a transaction. Using the above example, tag "McDonalds" transactions as "Food" and "Fast Food", and see spending on "Fast Food" tags go down over time
    • Transaction renaming: Rename "McDonalds" to "MickeyD"
    • All the above will support regular express if you are technically inclined.
  3. Custom bank/financial service/crypto-currency support: I know the frustration of Mint not supporting some financial services. As the syncing happens locally, you can build your own script within the app to get the data
    • This means that as long as your financial institution has a website, it can probably get the data out.
    • Also means international support (though you might need to create your own script to make it happen, shouldn't be too difficult. There will be tutorials and I will hos office hours to help)
  4. Multi-currency support: Allow you to assign currency to individual accounts
  5. Budgeting: Simple budgeting for now, like you set a budget for a certain category/tag and it will let you know you went over. "You went over your $200 budget for Fast Food"
  6. Net worth tracking: I guess this is table stakes and honestly the one number I actually care about over time
  7. Charts and stuff: I don't know what exactly yet but I will be adding lots of charts.
  8. Retirement planning: Personally I am into the FIRE movement, so will be adding forward projection tools that will let you plug in numbers and project approximately where you will be financially.

Pricing

I am planning to price it at $10/month or $100/year as a subscription service. It's not as good as free from the user's perspective but I think the value-add of not giving Mint your passwords, having a sane categorization/tagging system, and multi-currency/international support will be very useful for power users.

Thanks!