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What to Look for in Personal Finance Software

What to Look for in Personal Finance Software

Ideal personal finance software provides ample user-friendly features, allowing you to manage every aspect of your finances, including your accounts, investments, future plans and taxes. The software should also provide current information on tax laws and stock reviews to help you make informed decisions. Below are the criteria TopTenREVIEWS used to evaluate personal finance software.

Ease of Use/Installation
Personal finance software that offers intuitive navigation, user-friendly features and is easy to install.

Banking/Bills
Personal finance software should include online banking features, such as electronic payments, account transactions, account reconciliation, the ability to write and print checks and the ability to exchange currencies.

Personal Investing
Personal finance software that offers a feature to get stock quotes and manage your mutual funds, stocks, bonds and 401K.

Financial Planning
Personal finance software that allows you to plan your retirement, purchases, taxes, lifetime events, home purchases, debt relief and other financial goals and money management concerns and provides financial calculators to help you estimate costs, plan collage expenses, savings, taxes and so on.

Tax Options
Some personal finance software can export all of your financial information into tax software and help you find missed deductions and estimate your tax with holdings and capital gains.

Reporting
Personal finance software that provides reports and summaries of your finances so you can plan your cash flow and invest more wisely.

Through personal finance software, you can manage your finances conveniently and stress free, stop money leaks, make better investments and increase your personal net worth. In short, with personal finance software you can make your hard-earned money work harder for you.
1.

GnuCash

From A User Guide for GnuCash - Simba Management Limited

GnuCash free personal finance software download tracks bank accounts, stocks, income and expenses and has small business accounting features. GnuCash is based on professional accounting principles to ensure balanced books and accurate reports. GnuCash is actively and consistently developed, so this free software is improving all the time. GnuCash supports QIF imports and OFX downloads. GnuCash is free software, but if you use it and grow to rely on it enough you may wish to make a small donation using the link on GnuCash site.

• Compatible Operating Systems: Windows, GNU/Linux, Mac OS X, Solaris, NetBSD, FreeBSD

Buddi 3.0

Buddi Transactions
© 2006-2008 Wyatt Olson

Buddi 3.0 runs on Windows, Mac and other operating systems and has been translated into multiple languages. Buddi can encrypt financial data with a password and is designed to be easy to use even if you have no financial background. Features include budgeting, tracking accounts, personal finance report, and an envelope budgeting feature called Prepaid Accounts. Free plug-ins can be downloaded to add more features, like a financial dashboard or balance sheet, and online user manual is easy to read and use.

• Compatible Operating Systems: Any operating system running Sun Java Virtual Machine 1.5 (you can get Java downloads here), including Windows, Mac OS X 10.4 and higher, and most flavors of Linux

PL Cash 2.1

PLCash © Copyright 2003, Paul Lutus

PLCash stores data in plain text format, which allows you to use a spreadsheet or word processing software to read and analyze your financial data. PLCash also offers useful personal finance reports, support for multiple account types and basic investment tracking. Data can be imported from Quicken, Microsoft Money or any other software that supports QIF data exports. In exchange to for the convenience of storing data as plain text, PLCash does not encrypt data.

• Compatible Operating Systems: Any operating system with Java Runtime installed.

Gold Price- Lying Down

World gold prices last week showed the trend of declines with a strengthening U.S. $ GeraiDinar.com indicated on the dashboard with U.S. $ Index. Currently the index is above 80 in number than two weeks ago that around 79.

If I use technical analysis of StockChart as well as graphs (click on the chart let me first look bigger), it is purely based on statistical analysis of the trend is the strengthening of U.S. $ will be able to take up to several weeks ahead. If you follow the previous pattern of this trend will then be able to reach the range of 83 - view large circle marks on the graph.

We know the world gold price in U.S. $ inversely with the power of U.S. $, so when the U.S. $ trend was strengthened - the world gold price in U.S. $ decreased. Roughly from the graph can be predicted that if the U.S. $ index reached 83, world gold prices will be below U.S. $ 900/oz. This course if all things being equal - ceteris paribus.

Ref: emas24.com

Manage Your Money Based on Its Functions

In economic theory, money has three functions: as a Medium of Exchange, a Store of Value and a Unit of Account.  These three functions should be attached to the money that we use, but the use of paper money it can not fulfill these three functions at once. Paper money only serves as a tool optimally Medium of Exchange or Exchange. As a Store of Value, its value eroded by inflation over time. Because of rapidly declining in value is the paper money can not consistently used as a Unit of Account. If you have a house that you bought 10 years ago worth USD 400 million; without renovation even now worth over USD 1 billion you really lucky? where's the point? This apparent advantage occurs because the bias unit of account you use.

Money Gold / Silver Dinar or / Dirham actually thousands of years of history can play the three functions of money perfectly. However, due to the regime last 85 years using only paper money - and even last through 27 years of prohibiting the use of IMF gold as a reference currency; the Gold / Dinar and Silver / Dirham we can not enable it as money in the sense Tool Swap or Medium of Exchange optimally.

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Stock Selections Criterions

The objective of stock selection criteria is to: (1) maximize the total return on investment (appreciation plus any dividends received) for the targeted holding period (2) limit risk (according to an individual's risks tolerance levels) (3) maintain an appropriate degrees of portfolio diversification.

Stock selection criteria are methods for selecting a stock(s) for investment. The stock investment or position can be "long" (to benefit from a stock price increase) or "short" (to benefit from a decrease in a stock's price), depending on the investor's expectation of how the stock price is going to move. The stock selection criteria may include systematic stock picking methods that utilize computer software and/or data.

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Gold Investment

How Invest in Gold?
For long time around of the world, of all the precious metals, gold is the most popular as an investment. Investors generally buy gold as a hedge or safe haven against any economic, political, social or currency-based crises. These crises include investment market declines, burgeoning national debt, currency failure, inflation, war and social unrest. Investors also buy gold early in a bull market and aim to sell it before a bear market begins, in an attempt to gain financially.
Gold has been used throughout history as a form of payment and has been a relative standard for currency equivalents specific to economic regions or countries. Many European countries implemented gold standards in latter part of the 19th century until these were dismantled in the financial crises involving World War I. After World War II, the Bretton Woods system pegged the United States dollar to gold at a rate of US$35 per troy ounce. The system existed until the 1971 Nixon Shock, when the US unilaterally suspended the direct convertibility of the United States dollar to gold.

Factors influencing the gold price

Today, like all investments and commodities, the price of gold is ultimately driven by supply and demand. Unlike most other commodities, the hoarding and disposal plays a much bigger role in affecting the price, because most of the gold ever mined still exists and is potentially able to come on to the market for the right price.At the end of 2006, it was estimated that all the gold ever mined totaled 158,000 tonnes. This can be represented by a cube with an edge length of just 20.2 meters.


Gold Price is fluctuate but its intrinsic value is stable along decade. So, gold is suitable for long term investments.

FOREX - What is Forex?

FOREX  means foreign exchange market also known as FX, or currency market.
Forex  is a worldwide decentralized  financial market for the trading of currencies. Financial centers around the world function as anchors of trading between a wide range of different types of buyers and sellers around the clock, with the exception of weekends.

As an instrument of investment,  the foreign exchange market allows businesses to convert one currency to another foreign currency. For example, it permits a U.S. business to import European goods and pay Euro even though the business's income is in USD. Some experts, however, believe that the unchecked speculative movement of currencies by large financial institutions such as hedge funds impedes the markets from correcting global current account imbalances. This carry trade may also lead to loss of competitiveness in some countries.

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