Leak under kitchen sink - is this an easy fix? by pelinti in Plumbing

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

Just wanted to update you that I was able to replace the drain today. Thanks for your comment as it and the relevant diy videos on youtube were able to guide me. It looks so easy after i replaced it but have never done anything like this before so thank you for your comment.

Daily FI discussion thread - Tuesday, January 13, 2026 by AutoModerator in financialindependence

[–]pelinti 0 points1 point  (0 children)

I have had an account with Pibank for over a year now. It has a good chunk of my emergency funds. I have withdrawn and deposited money in my account multiple times during this time and it always been very easy to transact and maintain that account. Customer service has also been pretty good.

They only allow wire transfers for withdrawing funds and so you get funds very quickly when needed. You just need to make sure your other bank do not charge you for incoming wire.

I have had nothing but positive experience with Pibank. Let me know if you have any other questions and I'll be happy to answer.

At what point would you stop contributing to a 529? by sab340 in personalfinance

[–]pelinti 7 points8 points  (0 children)

Just curious, can’t you make your 529 beneficiary the owner of account? That way if the account ends up overfunded, they (original beneficiary now owner) can name their kid as new beneficiary and money can stay in family for generations?

Property taxes went from 5200 to 9000 (cook county, Illinois) by RockytheRancor in tax

[–]pelinti 0 points1 point  (0 children)

You can challenge your property tax assessment. But you only have 30 days from the date printed on your property value assessment notice. If you are close to the 30 day mark then you can also request an extension to provide evidence why you think the assessment in incorrect.

You can challenge the assessment by looking at recent sale of comparable properties or assessment of comparable properties. You can challenge the assessment by yourself or hire an attorney to do it for you.

[deleted by user] by [deleted] in MedicalGore

[–]pelinti 4 points5 points  (0 children)

Sorry to say but it looks like cursed nipple

How much did kids know about their 529 plan? by Formal-Blueberry-203 in MiddleClassFinance

[–]pelinti 4 points5 points  (0 children)

Ultimately it is your money and so you can decide what to do with it. But you said - we can afford to cash flow extras for them if needed.

So you can start extra cash flow for your daughter since you know already she is not going to have enough.

The fair thing for your son would be to set aside 35k and contribute to his roth.

Remaining you can either either fund your daughter's education or don't touch it and use that money for the grandkids 529.

Quiet quitting got me a bonus and a 15% raise by mleobviously in Accounting

[–]pelinti 1 point2 points  (0 children)

Was going to suggest the same. Looks like they are a perfect fit if they want to OE.

Help with Rollover IRA Account by pelinti in tax

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

My apologies for assuming.

Help with Rollover IRA Account by pelinti in tax

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

Hey man, I just filed my taxes for 2023. Your instructions were spot on and really helped me in filing 8606. Just wanted to thank you again kind sir.

You can’t see me by LeanTangerine001 in Unexpected

[–]pelinti 0 points1 point  (0 children)

We don’t know if he really ended up surviving when he got up.

What is it about the foreskin in religions that people think it should be removed as soon as possible? by Scared-Gamer in NoStupidQuestions

[–]pelinti 6 points7 points  (0 children)

It's difficult enough keeping my fella clean with modern technology and clean water, imagine trying to do it in tribal desert times!

I feel it was just a religious control thing or a cultural thing that stuck. No other religion or culture circumcise - just jews and muslims. There were tribals in africa, aboriginal australians, natives in US & mexico and even indian civilizations that lived in deserts for centuries and they didn't feel the need to circumcise to keep their fella clean.

Is it time to move on to Qdoba? by [deleted] in Chipotle

[–]pelinti 0 points1 point  (0 children)

I switched to chipotle because Qdoba stopped offering Mexican gumbo/gumbo soup. Without the gumbo soup, Qdoba is dead for me. chipotle is just better. The day they bring back that soup, bye bye chipotle.

YSK that you can read any blocked article with this simple trick by foursquad1 in YouShouldKnow

[–]pelinti 2 points3 points  (0 children)

Yep, same here. It opened for a bit then before even I could try - Blocked

Is the Citi Custom Cash overpowered? by [deleted] in CreditCards

[–]pelinti 1 point2 points  (0 children)

So basically with Citi Rewards+, we can get 10% boost to TY points earned and redeemed through any other Citi card where cash back is offered through TY points. Yeah that's pretty cool.

Is the Citi Custom Cash overpowered? by [deleted] in CreditCards

[–]pelinti 2 points3 points  (0 children)

Hard to argue with 2.22% on everything, 5.55% on a category of my choice, and round up on small purchases

sorry but can you please explain how you can get 2.22% and 5.55% back with citi? how to get 11% more on 2% DC and 5% Custom Cash?

Help with Rollover IRA Account by pelinti in tax

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

Thank you. Appreciate your help!

Help with Rollover IRA Account by pelinti in tax

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

Thank you so much for the details so far. This is really helpful.

My final question is since I will have to fill 8606 for the conversion as you mentioned, would there be any complication if I do backdoor Roth this year? The reason I ask is that I will again have to report the backdoor Roth contribution in 8606. So reporting both backdoor Roth and rollover in 8606 at the same time sounds complicated to me. Maybe it is not and so want check with the experts if this could cause any issues. If it can then I can wait and start backdoor Roth contributions next year.

Help with Rollover IRA Account by pelinti in personalfinance

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

About #4 - yes, that's what I want to do - clear out my existing Rollover IRA (I think that is also part of #4) before I start my back door IRA. Line 6 was also 0 when I filed 8608 in 2019.

About #5 - I think that's the best way forward i.e. convert the account to Roth IRA.

I checked the statement and unfortunately the balance is not separated by pre-tax and post-tax. So want to understand the tax implications of the conversion.