diff --git a/cmdmgr.go b/cmdmgr.go
index 93b446d..b607eaf 100644
--- a/cmdmgr.go
+++ b/cmdmgr.go
@@ -194,7 +194,7 @@ func GetBalance(reply chan []byte, msg *btcjson.Message) {
 func GetBalances(reply chan []byte, msg *btcjson.Message) {
 	wallets.RLock()
 	for _, w := range wallets.m {
-		balance := w.CalculateBalance(6)
+		balance := w.CalculateBalance(1)
 		unconfirmed := w.CalculateBalance(0) - balance
 		NotifyWalletBalance(reply, w.name, balance)
 		NotifyWalletBalanceUnconfirmed(reply, w.name, unconfirmed)
@@ -411,7 +411,7 @@ func SendFrom(reply chan []byte, msg *btcjson.Message) {
 			}
 
 			// Notify all frontends of new account balances.
-			confirmed := w.CalculateBalance(6)
+			confirmed := w.CalculateBalance(1)
 			unconfirmed := w.CalculateBalance(0) - confirmed
 			NotifyWalletBalance(frontendNotificationMaster, w.name, confirmed)
 			NotifyWalletBalanceUnconfirmed(frontendNotificationMaster, w.name, unconfirmed)
@@ -566,7 +566,7 @@ func SendMany(reply chan []byte, msg *btcjson.Message) {
 			}
 
 			// Notify all frontends of new account balances.
-			confirmed := w.CalculateBalance(6)
+			confirmed := w.CalculateBalance(1)
 			unconfirmed := w.CalculateBalance(0) - confirmed
 			NotifyWalletBalance(frontendNotificationMaster, w.name, confirmed)
 			NotifyWalletBalanceUnconfirmed(frontendNotificationMaster, w.name, unconfirmed)
diff --git a/createtx.go b/createtx.go
index 191b812..6c6844a 100644
--- a/createtx.go
+++ b/createtx.go
@@ -84,9 +84,13 @@ func selectInputs(s tx.UtxoStore, amt uint64, minconf int) (inputs []*tx.Utxo, b
 	// Create list of eligible unspent previous outputs to use as tx
 	// inputs, and sort by the amount in reverse order so a minimum number
 	// of inputs is needed.
-	var eligible []*tx.Utxo
+	eligible := make([]*tx.Utxo, 0, len(s))
 	for _, utxo := range s {
-		if int(height-utxo.Height) >= minconf {
+		// TODO(jrick): if Height is -1, the UTXO is the result of spending
+		// to a change address, resulting in a UTXO not yet mined in a block.
+		// For now, disallow creating transactions until these UTXOs are mined
+		// into a block and show up as part of the balance.
+		if utxo.Height != -1 && int(height-utxo.Height) >= minconf {
 			eligible = append(eligible, utxo)
 		}
 	}