The Best Finance App

The best finance app, in my opinion, is Mint.com’s mobile app. Here is a list of its features and finance app alternatives if you prefer to use an app other than Mint.com.

Mint.com (Free)

I have been using mint for a long time now and believe it is the best finance app. Intuit bought this web site a while back so it is very secure, using bank level encryption.

Mint gives you a quick overview of your finances, which you can put on one of your main screens in the form of a widget. The widget will show your current cash amount and your credit debt. It will also show you the last time your information was updated, so you can be sure that you are looking at the most recent information.

Once you set up a monthly budget, you can access it with the app to make sure you are staying on track for the month. Mint is very good at knowing how to categorize your transactions for budgeting purposes and it will let you know if it does not know how to categorize a transaction.

The app automatically gives you alerts for various things, which include the availability of large deposits, what bills will are due in the next few days, etc.

You can get a very general picture of you investments with this app. By that, I mean if you simply want to know the balance of you accounts, you will be happy with this app. If you want to get more information about the performance of specific investments, you will need to go to the website.

To set up this app, I would suggest you log on to the main website to input all of you account information and set your budget. Once that is completed, you simply download the app, log in, and all your accounts are ready to go.

Adaptu Wallet (Currently Free)

Adaptu Wallet has many unique features like tracking loyal programs and creating spending forecasts. The app also allows you to store photos of insurance and business cards, which will decrease the clutter inside your wallet. The app is currently free, but the word on the street is they will start charging for usage sometime in 2012.

Pageonce (Free or $4.99 for Gold version)

Pageonce arguably has the best interface of all the finance apps. Your key account balances are placed in thumbnails that appear on the home screen. Contrary to popular belief, this app does provide PayPal support even though many claim it doesn’t. Balance updates are not as fast as Mint.com or Adaptu, some transactions take days to update. The Gold version has the useful ability to pay bills directly from the app, and this is the only finance app that can do this. The gold version also removes all the ads from your app.

How to Successfully Capitalize on Special Finance Leads?

In a highly competitive market, it is very difficult to generate quality special finance lead by the dealers. The process results in unnecessary wastage of time, energy, and money. In spite of spending a lump sum amount on advertisement and on running PPC campaigns in Google, still a dealer fails to produce the desired number of leads to meet the monthly target. Dealers who cannot generate their own leads depend on the professional lead providers to supplement the flow of new sale opportunities.

All providers produce new sale opportunities through their own marketing efforts. They usually have a couple of websites for an effective auto lead generation. Through advanced adverts offline and online and use of social media, the highest quality of leads are generated in real time. Pay-Per-Click (PPC) campaigns are used extensively to generate as many leads as possible.

When sending the leads to the dealer client, the professional lead generators ensure they are sending only the best quality leads. A team of efficient professionals works to separate the good quality leads from the bad ones. Usually a provider uses a lead tracking software to track the number of leads coming from different sources from websites, landing pages, blogs, advertisements, etc.

Bad quality leads are generated when so-called potential car buyers don’t respond to calls being made from the lead generating company’s office or for that matter don’t reply to the emails sent at least 48 hours ago. Such sets of people are termed as ineffective leads and the list containing the personal details of such individuals are not sent to the dealer. Effective leads are those that respond instantly to a call or an email and show a genuine interest to buy a car.

There is a misconception amongst many dealers that the providers send a lead’s personal details to multiple dealers. The lead generating companies have teams that check whether the same leads are being sent to more than one dealership or not. Cross checking of leads received should also be done on the dealer’s part to reject duplicate leads.

The reason for the huge popularity of the external lead generators lie in the fact that they guarantee the generation of maximum high quality leads. Once people fill up an online inquiry form to learn more about a dealer and the auto loan application and approval procedure, the generator instantly starts following up with those people. Through regular communication and responding to the queries of potential car buyers, special finance lead can be generated successfully.

Experienced service providers spend all their time in doing quality research on the type of target audience a dealer wants to have. The providers will use the latest, innovative marketing strategies to create a long lasting impression in the minds of the people. One of the best chances to increase visibility is to have a strong presence in various social media web platforms for maximum auto lead generation. Through maintenance of social media accounts and regular posting of interesting articles, relevant news, photos, and videos on Facebook, Twitter, LinkedIn, Google+, and so on grabbing the attention of potential car buyers can be increased to a large extent.

Matthew S Barredo is an expert researcher of special finance lead. He has over 7 years of experience in the genre of finance auto lead and the same. In this article, he has tried to educate the readers about choosing an ideal car lead generating company and auto lead generation for steady sales and profit.

Campaign Finance Reform – Insiders Versus Outsiders

Should voters in New York be allowed to contribute to local elections in New Hampshire?
Should voters in Concord, NH be allowed to contribute to elections in Manchester, NH?
If you can not vote in an election, why should you be allowed to contribute to that election?
Whom do you want politicians to raise money from, their constituents or people that can NOT vote for them?

Campaign Finance Reform should be about Insiders versus Outsiders not hard money versus soft money.

US Citizens – An Example for US Citizens Who Live, Vote and Pay Taxes in the Government District:

Three people contribute to a campaign. One contributes $10,000 worth of time, one contributes $10,000 worth of resources and one contributes $10,000 in cash.
Which has violated campaign finance laws?

The person that contributes $10,000 cash. The persons that contributed $10,000 worth of time and resources are making legal contributions. But all three people live under regulations, pay taxes, and earn income in the government district that the candidate represents.

Question:
If you are not going to limit the time and resources a voter may contribute to a candidate, why is it fair to limit the cash a voter can contribute?

Answer:
Time, resources and money are all acceptable and equivalent contributions. There should be no limits on contributions by people who can vote in an election. They pay taxes and live under that government’s regulations so they should be allowed to help select their representative any way they can, with time, money or resources.

Conversely, if a person can NOT vote in an election then they should not be allowed to contribute anything to a candidate, not time, money or resources.

Voting in an election is the key determiner of Insider versus Outsider. If it were not so, we could vote in all 50 states, for 50 governors, 100 senators, etc. Because we are limited to whom we can vote for, we should also be limited to whom we can contribute to. This limit applies to time, money and resources.

An Example for Unlimited Campaign Contributions by Voters in an Election District:
Let’s use New York City as an example. Two billionaires live in New York city and one billionaire we’ll call Michael, wants to be mayor of New York city. Michael contributes $10 million to his own campaign, which is perfectly legal under the current campaign finance laws. The other billionaire, we’ll call Donald, does not want to be mayor, but he also does not want Michael to be mayor. He would like to contribute $10 million to another candidate. This is not legal. Why? They both live, work, pay taxes and vote in New York city.

If you are having problems with allowing voters to give unlimited campaign contributions please ask yourself these questions:
If you had a million dollars investment in the stock market, would you pay a stock broker to manage that investment.
If you paid one million dollars in taxes, would you not contribute to a politician to manage your “investment” in government?
If you received one million dollars in government contracts or tax deductions or subsidies, would you not contribute to a politician to manage your “revenue” from government?
If you paid one million dollars to comply with government regulations would you not contribute to a politician to manage your “investment” with the government?

Remember that billionaires can only make unlimited contributions in one election district, the one they can vote in.

Non-voting US Residents:
The Supreme Court has ruled that people that can not vote in the US, but pay taxes to the US can participate in a limited way in elections. This ruling applied to permanent residents who are not yet citizens. The Supreme Court did allow restrictions on the amount of money non-citizens could contribute to an election. They limited their contributions to only the amount of money the person earned in the US.

Question:
Two people make the same amount of money in a government district and pay the same taxes to that government, but only one of them can vote in that district. Should the contributions by the nonresident be limited to the same amount of contributions as the voters in that district? Should nonresidents be banned from making contributions of time and resources because placing a value on it and accounting for it is difficult to impossible?

An Example for People that Can Not Vote in a Government District:
Two people work in an election district, but only one can vote in that district. Think of people who live in one district/state but work in another such as traveling sales people.
Person A represent the average constituent in the election district. He makes $100K, pays $10K in taxes in that election district. He contributes $100 to the election he can vote in.
If Person B who is not a constituent, represents Outsiders who are affected by the government in the election district. He makes $100K and pays $10K in taxes in that election district. He should be allowed to contribute $100 to that district. If person B makes the 10 times the money or pays 10 times the taxes, he should be allowed to contribute 10 times the campaign contribution as person A.

Notice that if voters (Insiders) do NOT makes cash campaign contributions and only contribute time and resources, then person B can NOT make any cash contributions. This means that people who vote in an election determine how much money will be spent on a campaign. It is not the Outsiders, because their contributions are limited. The limitation is calculated by dividing the total Insider donations by the number of constituents in the district.

Conclusion:
People that can vote in an election have unlimited contributions to the candidates running in that district.
Voters determine how much money is spent in an election.
People that can NOT vote in an election but who are affected by that government’s by taxes, laws and regulations have some limited contribution to the candidates running in that district based on what Insiders contribute.
People that can NOT vote in an election are NOT allowed to contribute time or resources to that election.
People that are NOT affected by that government may NOT contribute to the candidates running in that district. Not time, not money and not resources.

Top 10 iPhone Apps for Personal Finance

There are many applications for the iPhone that give users the ability to make personal financing easier than ever. While solving one pain-in-the-neck issue, it creates another – which app to buy? Because of the popularity of these headache-reducing apps, there is an overwhelming amount of options available in the App Store. Deciphering which app is the best available is almost impossible. Add in the fact that so many aren’t free, and choosing the right one the first time around could save time and money. Before downloading anything, it’s important to know if the functionality of the app (money transferring, budget tracking, etc.) fits your needs. Provided is a list of ten apps including the price and primary function that can make tracking personal finances much easier.

Mint – There are tons of finance apps available that focus on budget tracking. Few are as popular as Mint, which allows users to manage multiple financial accounts from one simple user interface. With user-friendly features and no price tag, there is little wonder why this app has so many users.

Loan Shark – Dealing with loans is never a pleasant experience. The Loan Shark app helps ease some of the pain endured while handling loans without having to pay anything. It simplifies the process of calculating loans by a great deal and also has many features including a full amortization table, a one-tap extra payment option, and a “favorites” feature.

MoneyStrands – This app is another free option for tracking your budget. With features like alerts, analysis, security, and support, it is one to compare to Mint.

PageOnce – Planning long-term investments can be easy to put off. This app also assists in budgeting your current finances like MoneyStrands and Mint, but really excels in planning for the future. It gives you the ability to look at your 401k, IRA, and stocks all at the same time, while not costing you a cent.

Toshl – Toshl incorporates cloud computing into every day financing with this free app. The cloud feature allows users to automatically sync their mobile movements online. Additionally, there is a premium upgrade ($19.95/year) that allows users to export to Excel, PDF, or Google Docs among other features.

MoneyBook – MoneyBook is another addition to the long line of apps for budgeting. This one, however, comes at a price. Promoted as “Finance with Flair,” the app costs $2.99 and is loaded with features to make financing easier.

SplashMoney – At $4.99, what differentiates this from the free apps is its ability to connect wirelessly to most online bank accounts.

Square – The price is right for this free app that makes credit card purchases simpler than ever. By signing up, Square, Inc. will provide a credit card reader that can be attached directly to the iPhone. Once connected, users have the ability to swipe all major credit cards with only a 2.75% charge per swipe.

PayPal – Ebay-owned PayPal provides users a secure, simple way to send or receive money wirelessly.

General Banking – The bulk of major banks have available apps for free. These provide easy-access to any and all bank accounts in a secure fashion.

This is only a small example of the many, many apps that can help make financing easier. With the continuous release of new applications and updates to old ones, banking from your iPhone will continue to simplify; finding the app for doing so may not. This list is a great place to start looking.

For more information about iPhone application development, visit Magenic Technologies who have been providing innovative custom software development to meet unique business challenges for some of the most recognized companies and organizations in the nation.

How Will the Supreme Court Campaign Finance Judgment Affect Us?

The Supreme Court Campaign Finance Judgment basically says in laymens terms that Corporations can spend as much as they want on Political Ads up until the day of the election. So what does that mean to us? It means that any well financed company can get who they want in office, and ultimately, gives them almost total control regarding who gets elected in office.

Usually the Politician who has the most well financed campaign is the one who gets elected. And who controls most of the money in this country? It’s not the government itself or the politicians, it’s big business. So this ruling is in direct contradiction to the McCain & Feingold Campaign Finance Reform Law which was established to limit the amount of influence a Corporation could have in the past.

The US Supreme Court struck down this law, saying that it limited the amount of free speech Corporations could have regarding the public debate in the political process. The decision was 5 to 4 in favor of this new law. So what lies ahead. Many critics are very concerned that this will allow big business to monopolize the entire political process and think this is the very worst decision the Supreme Court has ever made.

Also of concern is an avalanche of Corporate Spending, which is a tax write off anyway, of big business. Expect to see many more TV ads, political ads in magazines on flyers and even promotional gear during future political elections. Although the people ultimately will decide who goes into office, hundreds of millions of dollars in advertising will go a long way to influence their opinions on who they should vote for.

President Obama seemed to also be opposed to the decision. He mentioned just like I said above that it helps them to continue to wield their power everyday so they can continue to drown out the voices and opinions of your average, hard working American citizen.