Tuesday, December 7, 2010

personal finance money management


moBudget will help you organize your personal income and outcome. By doing it, moBudget can also help you in identifying budgeting and saving opportunities. Its main screen presents a dashboard with a set of intelligent indicators which will tell you how is your personal finance doing. Forget about grabbing a calculator to get the numbers you need, the dashboard will say it all; it will inform, alert and advice you when needed so you can make the best budgeting and spending decisions. By allowing stepping through months back and forth, allows you to whether see how you did on previous months and how you will be doing in the upcoming months and adjust your budgets to the optimal. Take it with you, stick to its rules and you will see how money won’t cause a you a headache any more.


Key features



  • Main dashboard with intelligent indicators

  • Upcoming and overdue payments, incomes, bills

  • Color-based and snapshot styled budget bar graphs for easy reading

  • Budget adjusting helper

  • Actual balance and budget balance adhoc

  • Accounts and credit cards usage recording

  • Cash flow bar graphs and out of funds predictions

  • Easy input for registering expenses, incomes and transfers

  • Can create future operations and recurrent operations

  • Multi currency support

  • Easy month back and forth navigation

  • more… see it yourself!



A survey released today by Javelin Strategy & Research, which serves financial institutions, found in August that nearly one in five Americans doesn't monitor or manage their personal finances. That rate is double what it was just a year ago. Despite the fact the recession has made it more important than ever to carefully track our money, when it comes to personal finances, 19% of Americans stuck their head in the sand. A year before, another survey had the figure at just 8%.



More anxiety-induced news: The percentage of Americans who say they sometimes log onto their checking account balances with their banks' websites dropped to 46%, down 13 points from 59% a year ago. Even those who track their money by pen and paper dropped, from 50% to 46%.





"It's a natural human reaction to stress: 'Maybe if I don't look at it, it will go away.'" explains the study's co-author, senior analyst Mark Schwanhausser. "I think you have fewer people checking their finances online because they don't like what they're seeing. 'I'm going to be a financial sleepwalker. I'm not going to look.'"



Schwanhausser's prescription for the problem involves convincing America's major financial institutions that they're doing a lousy job helping make it easier and less stressful for their customers to track their money. "It's not enough to tell you how to fix the toilet," he says. "You've got to have the wrench."



Yet despite the fact that most Americans' money resides at a bank, few banks are interested in furnishing financial planning tools. Right now, Schwanhausser argues, most people are required to log into a wide variety of websites to track their money. For example, 75% of Americans who have a credit card get it from somewhere other than their primary bank, meaning their finances are scattered across many websites, unreconciled.



When people do turn to their bank's websites, he argues, the financial planning tools are nearly non-existent despite the fact our society increasingly demands greater personal control through technology. "Today's online banking is like having avocado green appliances from the 1970s. It just doesn't cut it," says Schwanhausser.



Schwanhausser is using the survey to convince banks that it will actually endear customers to them if they put personal finance tools front and center on their sites, helping customers paint a clear picture of their own financial habits. He's pressing them to develop systems, both on the Web and through mobile apps, that can draw in customers' information from other sites, such as credit cards and mortgage lenders, so financial care-taking can be a one-stop process.



So far, banks and lenders have been slow to use existing technology to make money management a less daunting chore. Part of the issue is that many banks don't want to acknowledge competitors by drawing in account balances from elsewhere. Banks also stand to make money off poor financial planning through penalties and fees. Like a doctor who makes money off treating disease, promoting financial good health does not on the surface appear to be in a bank's best interest.



"You can't manage what you don't measure," says Schwanhausser. "And if the bank's not going to provide it for you, you have to go get it in other places."



He recommends existing aggregators such as Mint.com, which pulls your data from multiple sources and lays it out in spreadsheets and in spending plans, as a model for what all the banks should be doing for their customers.



He also notes that Bank of America's "My Portfolio" and Wells Fargo's "My Savings Plan" are two fledgling, if little-known, bank-created features that are slowly reaching toward the sort of comprehensive personal finance planning features he advocates.



As long as it remains difficult or scary, though, when it comes to their finances, Americans will remain more likely to use the Ostrich Method.

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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Source: Nationals to offer Lee seven-year deal - NY Daily <b>News</b>

The Washington Nationals are prepared to make Cliff Lee a seven-year offer, one that could drastically alter the Yankees' offseason plans. According to a major-league source, the Nationals - who already blew the market open with their ...

Facebook Profile Changes: More Media Play Than <b>News</b>?

Facebook sure has arrived when it comes to the traditional media set as it used 60 Minutes (in more ways ...



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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Source: Nationals to offer Lee seven-year deal - NY Daily <b>News</b>

The Washington Nationals are prepared to make Cliff Lee a seven-year offer, one that could drastically alter the Yankees' offseason plans. According to a major-league source, the Nationals - who already blew the market open with their ...

Facebook Profile Changes: More Media Play Than <b>News</b>?

Facebook sure has arrived when it comes to the traditional media set as it used 60 Minutes (in more ways ...



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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Source: Nationals to offer Lee seven-year deal - NY Daily <b>News</b>

The Washington Nationals are prepared to make Cliff Lee a seven-year offer, one that could drastically alter the Yankees' offseason plans. According to a major-league source, the Nationals - who already blew the market open with their ...

Facebook Profile Changes: More Media Play Than <b>News</b>?

Facebook sure has arrived when it comes to the traditional media set as it used 60 Minutes (in more ways ...



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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Source: Nationals to offer Lee seven-year deal - NY Daily <b>News</b>

The Washington Nationals are prepared to make Cliff Lee a seven-year offer, one that could drastically alter the Yankees' offseason plans. According to a major-league source, the Nationals - who already blew the market open with their ...

Facebook Profile Changes: More Media Play Than <b>News</b>?

Facebook sure has arrived when it comes to the traditional media set as it used 60 Minutes (in more ways ...



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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Source: Nationals to offer Lee seven-year deal - NY Daily <b>News</b>

The Washington Nationals are prepared to make Cliff Lee a seven-year offer, one that could drastically alter the Yankees' offseason plans. According to a major-league source, the Nationals - who already blew the market open with their ...

Facebook Profile Changes: More Media Play Than <b>News</b>?

Facebook sure has arrived when it comes to the traditional media set as it used 60 Minutes (in more ways ...



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moBudget will help you organize your personal income and outcome. By doing it, moBudget can also help you in identifying budgeting and saving opportunities. Its main screen presents a dashboard with a set of intelligent indicators which will tell you how is your personal finance doing. Forget about grabbing a calculator to get the numbers you need, the dashboard will say it all; it will inform, alert and advice you when needed so you can make the best budgeting and spending decisions. By allowing stepping through months back and forth, allows you to whether see how you did on previous months and how you will be doing in the upcoming months and adjust your budgets to the optimal. Take it with you, stick to its rules and you will see how money won’t cause a you a headache any more.


Key features



  • Main dashboard with intelligent indicators

  • Upcoming and overdue payments, incomes, bills

  • Color-based and snapshot styled budget bar graphs for easy reading

  • Budget adjusting helper

  • Actual balance and budget balance adhoc

  • Accounts and credit cards usage recording

  • Cash flow bar graphs and out of funds predictions

  • Easy input for registering expenses, incomes and transfers

  • Can create future operations and recurrent operations

  • Multi currency support

  • Easy month back and forth navigation

  • more… see it yourself!



A survey released today by Javelin Strategy & Research, which serves financial institutions, found in August that nearly one in five Americans doesn't monitor or manage their personal finances. That rate is double what it was just a year ago. Despite the fact the recession has made it more important than ever to carefully track our money, when it comes to personal finances, 19% of Americans stuck their head in the sand. A year before, another survey had the figure at just 8%.



More anxiety-induced news: The percentage of Americans who say they sometimes log onto their checking account balances with their banks' websites dropped to 46%, down 13 points from 59% a year ago. Even those who track their money by pen and paper dropped, from 50% to 46%.





"It's a natural human reaction to stress: 'Maybe if I don't look at it, it will go away.'" explains the study's co-author, senior analyst Mark Schwanhausser. "I think you have fewer people checking their finances online because they don't like what they're seeing. 'I'm going to be a financial sleepwalker. I'm not going to look.'"



Schwanhausser's prescription for the problem involves convincing America's major financial institutions that they're doing a lousy job helping make it easier and less stressful for their customers to track their money. "It's not enough to tell you how to fix the toilet," he says. "You've got to have the wrench."



Yet despite the fact that most Americans' money resides at a bank, few banks are interested in furnishing financial planning tools. Right now, Schwanhausser argues, most people are required to log into a wide variety of websites to track their money. For example, 75% of Americans who have a credit card get it from somewhere other than their primary bank, meaning their finances are scattered across many websites, unreconciled.



When people do turn to their bank's websites, he argues, the financial planning tools are nearly non-existent despite the fact our society increasingly demands greater personal control through technology. "Today's online banking is like having avocado green appliances from the 1970s. It just doesn't cut it," says Schwanhausser.



Schwanhausser is using the survey to convince banks that it will actually endear customers to them if they put personal finance tools front and center on their sites, helping customers paint a clear picture of their own financial habits. He's pressing them to develop systems, both on the Web and through mobile apps, that can draw in customers' information from other sites, such as credit cards and mortgage lenders, so financial care-taking can be a one-stop process.



So far, banks and lenders have been slow to use existing technology to make money management a less daunting chore. Part of the issue is that many banks don't want to acknowledge competitors by drawing in account balances from elsewhere. Banks also stand to make money off poor financial planning through penalties and fees. Like a doctor who makes money off treating disease, promoting financial good health does not on the surface appear to be in a bank's best interest.



"You can't manage what you don't measure," says Schwanhausser. "And if the bank's not going to provide it for you, you have to go get it in other places."



He recommends existing aggregators such as Mint.com, which pulls your data from multiple sources and lays it out in spreadsheets and in spending plans, as a model for what all the banks should be doing for their customers.



He also notes that Bank of America's "My Portfolio" and Wells Fargo's "My Savings Plan" are two fledgling, if little-known, bank-created features that are slowly reaching toward the sort of comprehensive personal finance planning features he advocates.



As long as it remains difficult or scary, though, when it comes to their finances, Americans will remain more likely to use the Ostrich Method.

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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Source: Nationals to offer Lee seven-year deal - NY Daily <b>News</b>

The Washington Nationals are prepared to make Cliff Lee a seven-year offer, one that could drastically alter the Yankees' offseason plans. According to a major-league source, the Nationals - who already blew the market open with their ...

Facebook Profile Changes: More Media Play Than <b>News</b>?

Facebook sure has arrived when it comes to the traditional media set as it used 60 Minutes (in more ways ...



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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Source: Nationals to offer Lee seven-year deal - NY Daily <b>News</b>

The Washington Nationals are prepared to make Cliff Lee a seven-year offer, one that could drastically alter the Yankees' offseason plans. According to a major-league source, the Nationals - who already blew the market open with their ...

Facebook Profile Changes: More Media Play Than <b>News</b>?

Facebook sure has arrived when it comes to the traditional media set as it used 60 Minutes (in more ways ...



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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Source: Nationals to offer Lee seven-year deal - NY Daily <b>News</b>

The Washington Nationals are prepared to make Cliff Lee a seven-year offer, one that could drastically alter the Yankees' offseason plans. According to a major-league source, the Nationals - who already blew the market open with their ...

Facebook Profile Changes: More Media Play Than <b>News</b>?

Facebook sure has arrived when it comes to the traditional media set as it used 60 Minutes (in more ways ...



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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Source: Nationals to offer Lee seven-year deal - NY Daily <b>News</b>

The Washington Nationals are prepared to make Cliff Lee a seven-year offer, one that could drastically alter the Yankees' offseason plans. According to a major-league source, the Nationals - who already blew the market open with their ...

Facebook Profile Changes: More Media Play Than <b>News</b>?

Facebook sure has arrived when it comes to the traditional media set as it used 60 Minutes (in more ways ...



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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Source: Nationals to offer Lee seven-year deal - NY Daily <b>News</b>

The Washington Nationals are prepared to make Cliff Lee a seven-year offer, one that could drastically alter the Yankees' offseason plans. According to a major-league source, the Nationals - who already blew the market open with their ...

Facebook Profile Changes: More Media Play Than <b>News</b>?

Facebook sure has arrived when it comes to the traditional media set as it used 60 Minutes (in more ways ...



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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Source: Nationals to offer Lee seven-year deal - NY Daily <b>News</b>

The Washington Nationals are prepared to make Cliff Lee a seven-year offer, one that could drastically alter the Yankees' offseason plans. According to a major-league source, the Nationals - who already blew the market open with their ...

Facebook Profile Changes: More Media Play Than <b>News</b>?

Facebook sure has arrived when it comes to the traditional media set as it used 60 Minutes (in more ways ...



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moBudget will help you organize your personal income and outcome. By doing it, moBudget can also help you in identifying budgeting and saving opportunities. Its main screen presents a dashboard with a set of intelligent indicators which will tell you how is your personal finance doing. Forget about grabbing a calculator to get the numbers you need, the dashboard will say it all; it will inform, alert and advice you when needed so you can make the best budgeting and spending decisions. By allowing stepping through months back and forth, allows you to whether see how you did on previous months and how you will be doing in the upcoming months and adjust your budgets to the optimal. Take it with you, stick to its rules and you will see how money won’t cause a you a headache any more.


Key features



  • Main dashboard with intelligent indicators

  • Upcoming and overdue payments, incomes, bills

  • Color-based and snapshot styled budget bar graphs for easy reading

  • Budget adjusting helper

  • Actual balance and budget balance adhoc

  • Accounts and credit cards usage recording

  • Cash flow bar graphs and out of funds predictions

  • Easy input for registering expenses, incomes and transfers

  • Can create future operations and recurrent operations

  • Multi currency support

  • Easy month back and forth navigation

  • more… see it yourself!



A survey released today by Javelin Strategy & Research, which serves financial institutions, found in August that nearly one in five Americans doesn't monitor or manage their personal finances. That rate is double what it was just a year ago. Despite the fact the recession has made it more important than ever to carefully track our money, when it comes to personal finances, 19% of Americans stuck their head in the sand. A year before, another survey had the figure at just 8%.



More anxiety-induced news: The percentage of Americans who say they sometimes log onto their checking account balances with their banks' websites dropped to 46%, down 13 points from 59% a year ago. Even those who track their money by pen and paper dropped, from 50% to 46%.





"It's a natural human reaction to stress: 'Maybe if I don't look at it, it will go away.'" explains the study's co-author, senior analyst Mark Schwanhausser. "I think you have fewer people checking their finances online because they don't like what they're seeing. 'I'm going to be a financial sleepwalker. I'm not going to look.'"



Schwanhausser's prescription for the problem involves convincing America's major financial institutions that they're doing a lousy job helping make it easier and less stressful for their customers to track their money. "It's not enough to tell you how to fix the toilet," he says. "You've got to have the wrench."



Yet despite the fact that most Americans' money resides at a bank, few banks are interested in furnishing financial planning tools. Right now, Schwanhausser argues, most people are required to log into a wide variety of websites to track their money. For example, 75% of Americans who have a credit card get it from somewhere other than their primary bank, meaning their finances are scattered across many websites, unreconciled.



When people do turn to their bank's websites, he argues, the financial planning tools are nearly non-existent despite the fact our society increasingly demands greater personal control through technology. "Today's online banking is like having avocado green appliances from the 1970s. It just doesn't cut it," says Schwanhausser.



Schwanhausser is using the survey to convince banks that it will actually endear customers to them if they put personal finance tools front and center on their sites, helping customers paint a clear picture of their own financial habits. He's pressing them to develop systems, both on the Web and through mobile apps, that can draw in customers' information from other sites, such as credit cards and mortgage lenders, so financial care-taking can be a one-stop process.



So far, banks and lenders have been slow to use existing technology to make money management a less daunting chore. Part of the issue is that many banks don't want to acknowledge competitors by drawing in account balances from elsewhere. Banks also stand to make money off poor financial planning through penalties and fees. Like a doctor who makes money off treating disease, promoting financial good health does not on the surface appear to be in a bank's best interest.



"You can't manage what you don't measure," says Schwanhausser. "And if the bank's not going to provide it for you, you have to go get it in other places."



He recommends existing aggregators such as Mint.com, which pulls your data from multiple sources and lays it out in spreadsheets and in spending plans, as a model for what all the banks should be doing for their customers.



He also notes that Bank of America's "My Portfolio" and Wells Fargo's "My Savings Plan" are two fledgling, if little-known, bank-created features that are slowly reaching toward the sort of comprehensive personal finance planning features he advocates.



As long as it remains difficult or scary, though, when it comes to their finances, Americans will remain more likely to use the Ostrich Method.

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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Source: Nationals to offer Lee seven-year deal - NY Daily <b>News</b>

The Washington Nationals are prepared to make Cliff Lee a seven-year offer, one that could drastically alter the Yankees' offseason plans. According to a major-league source, the Nationals - who already blew the market open with their ...

Facebook Profile Changes: More Media Play Than <b>News</b>?

Facebook sure has arrived when it comes to the traditional media set as it used 60 Minutes (in more ways ...



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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Source: Nationals to offer Lee seven-year deal - NY Daily <b>News</b>

The Washington Nationals are prepared to make Cliff Lee a seven-year offer, one that could drastically alter the Yankees' offseason plans. According to a major-league source, the Nationals - who already blew the market open with their ...

Facebook Profile Changes: More Media Play Than <b>News</b>?

Facebook sure has arrived when it comes to the traditional media set as it used 60 Minutes (in more ways ...



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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Source: Nationals to offer Lee seven-year deal - NY Daily <b>News</b>

The Washington Nationals are prepared to make Cliff Lee a seven-year offer, one that could drastically alter the Yankees' offseason plans. According to a major-league source, the Nationals - who already blew the market open with their ...

Facebook Profile Changes: More Media Play Than <b>News</b>?

Facebook sure has arrived when it comes to the traditional media set as it used 60 Minutes (in more ways ...



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