Tuesday, August 31, 2010

repair my credit



Former USC running back Stafon Johnson was hoping to make his football comeback as an undrafted rookie with the Tennessee Titans this fall.


But the Titans waived Johnson on Tuesday, two days after he underwent surgery to repair the dislocated right ankle he sustained during Tennessee's preseason opener Saturday.


[Updated at 2:33 p.m.: The Tennessean is reporting that Titans Coach Jeff Fisher said Johnson is still a part of the team's long-term plans.


"We have not given up on him. This is the opposite of that,’’ Fisher said. “We are going to put him on injured reserve for the year, so we can have him next year. In order to do that in training camp you have to release the player. He is subject to waivers, he can get claimed, but it is unlikely that anyone would claim someone that just had major reconstructive surgery on the ankle. So he comes back to us once he clears and goes on injured reserve for the year that was the intention."]


The injury occurred less than a year after Johnson's horrific weight-room accident last fall, when a 275-pound barbell fell on his throat, crushing his vocal cords and Adam's apple and ending his senior season at USC.


With everything he's been through, you've got to feel bad for the guy. Especially after reading some of his recent tweets:


-- Saturday pregame: "2day is the day that I have dreamed about 4 16yrs now 2night 7oclock espn..."


-- Sunday post-surgery: "Feelin good thank u jesus can't wait 2 heal up and get back on the field as a Titan always a good feelin when u play 4 a great coach that believe in u and your capabilities"


-- also from Sunday night: "Maan I love my team Maan I love my team I would die for brothas"


Also on Tuesday, the Titans signed journeyman running back Samkon Gado.


-- Chuck Schilken


Photo: Stafon Johnson is carted off the field following an injury against the Seattle Seahawks on Saturday. Credit: Joe Nicholson / US Presswire





Former USC running back Stafon Johnson was hoping to make his football comeback as an undrafted rookie with the Tennessee Titans this fall.


But the Titans waived Johnson on Tuesday, two days after he underwent surgery to repair the dislocated right ankle he sustained during Tennessee's preseason opener Saturday.


[Updated at 2:33 p.m.: The Tennessean is reporting that Titans Coach Jeff Fisher said Johnson is still a part of the team's long-term plans.


"We have not given up on him. This is the opposite of that,’’ Fisher said. “We are going to put him on injured reserve for the year, so we can have him next year. In order to do that in training camp you have to release the player. He is subject to waivers, he can get claimed, but it is unlikely that anyone would claim someone that just had major reconstructive surgery on the ankle. So he comes back to us once he clears and goes on injured reserve for the year that was the intention."]


The injury occurred less than a year after Johnson's horrific weight-room accident last fall, when a 275-pound barbell fell on his throat, crushing his vocal cords and Adam's apple and ending his senior season at USC.


With everything he's been through, you've got to feel bad for the guy. Especially after reading some of his recent tweets:


-- Saturday pregame: "2day is the day that I have dreamed about 4 16yrs now 2night 7oclock espn..."


-- Sunday post-surgery: "Feelin good thank u jesus can't wait 2 heal up and get back on the field as a Titan always a good feelin when u play 4 a great coach that believe in u and your capabilities"


-- also from Sunday night: "Maan I love my team Maan I love my team I would die for brothas"


Also on Tuesday, the Titans signed journeyman running back Samkon Gado.


-- Chuck Schilken


Photo: Stafon Johnson is carted off the field following an injury against the Seattle Seahawks on Saturday. Credit: Joe Nicholson / US Presswire




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How to Repair Your Credit by Chris Pirillo














Wednesday, August 25, 2010

personal finance budgeting




BillFloat Pays Your Bills When You Can't





If money's tight and you need a little extra time to cover a bill, service Billfloat can take care of it for you and you can pay them back later.

After entering the company you need to pay, you give BillFloat the amount of the bill and your account number. It'll let you know how many days it'll float the bill (a minimum of 30) and how much you'll owe BillFloat—which is generally $5, but decreases with the number of bills you pay. BillPay will collect a little more information about you, like how you're going to pay them back, and then you'll be all set. Just make sure you'll have the money in a month, since BillFloat won't float its own bills.


Life on the fast track can be taxing. With the ever-growing list of responsibilities, we have more and more bills to pay and an even longer set of reminders and tasks there is to keep track of. Life on the fast track can be taxing.

In order to help reduce the burden of remembering the things you need to do and actually focus on the task at hand; we have 2 great iPhone apps to recommend. Both of these apps have been featured on MakeUseOf before: NotifyMe and Bills.

This week, we will be giving away 5 promo codes for each application. Find out how you can get one, after the jump.

id="more-49733">/> But first let’s take a look at the apps individually.

NotifyMe 2

NotifyMe 2 is the updated version of NotifyMe and only supports iOS4. At the very core, it is still a reminder application. You create tasks/reminders which are synced over the air to NotifyMe’s servers. When your tasks are due, you receive a push notification sent to your iPhone.

style="text-align: center;">

All tasks/reminders can also be accessed online via the cloud server, notifymecloud.com and can be used to track your list of reminders easily.

style="text-align: center;">

In this updated version, you can also create local reminders which are stored on your device. This is a huge help you are only looking to create short-term reminders without internet access.

style="text-align: center;">

NotifyMe 2 also supports task sharing — any reminder can be shared with any authorised NotifyMe 2 user and will appear on their upcoming screen.

style="text-align: center;">

For a more in-depth review of the previous version (which will also provide you with a rough concept of how the app works), please read Never Forget Anything Again With NotifyMe for iPhone

Bills

Bills (also known as Bills ~ on your table) is a simple payment tracking application. This app helps you track pending bills and their corresponding due dates efficiently and elegantly as well.

style="text-align: center;">

Bills can be set to automatically repeat daily, weekly, monthly or annually. When a payment is due, you’ll receive a push notification with a gentle reminder (or pre-reminder, which you can set to occur days prior).

style="text-align: center;">

For a more in-depth review, check out Never Forget To Pay Another Bill Again With Bills ~ On Your Table

How do I win a copy?

It’s simple, just follow the instructions.


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News Corporation (News Corp) is the world's second-largest media conglomerate (behind The Walt Disney Company) as of 2008 and the world's third largest in entertainment as of 2009. The company's Chairman, Chief Executive. ...

I-O Data new external USB HDD will also let you backup your <b>...</b>

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Progressive media watchdog group Media Matters recently created a television ad critical of News Corp.'s $1 Million donation to the Republican Governor's Association, and have requested airtime during The O'Reilly Factor on Fox News to ...
































Friday, August 6, 2010

personal finance money management





photo: Ben Atkin



According to Techcrunch, since the iPad’s release in April the number of iPad apps has grown to over 10,000. That is still dwarfed by the iPhone’s library of 200,000 apps — and growing — but is still pretty impressive for just a few months on the market.


Since the iPad is still in its infant stages, the app store is relatively light on apps with a specific personal finance focus: most still focus on the gaming and reading niches. (Apple, however, says that almost all of its 200,000 iPhone apps are compatible with the iPad, including the Mint.com mobile app. You could also revisit Mint’s list of the top personal finance apps, published back in February. Alternatively, take a look at Apple’s list of money management iPhone apps.)


Still, we were recently able to find seven iPad apps that, if not directly related to personal finance management, at the very least help you find savings in everyday life situations and, as a result, manage your money more successfully.


Staying true to the Mint money-saving spirit, all but one of the apps are free to download (the other costs only $1.99), and none require a subscription.


Zillow – Free




Zillow has established itself as a great starting point for anyone interested in buying or selling a home. You can search by city or zip, find all homes for sale in the area of your interest, as well as comparable home sales. Once you’ve found a home you’re interested in, you can check out what that home sold for in the past and its estimated value, or “Zestimate.” Why does it make a great mobile app? Because it enables you to take your home search on the road with you: once you hunt down homes you are interested in, you can see them in person, and then take a peak at photos taken from inside the home.


Epicurious – Free



The iPad app from Epicurious.com includes over 28,000 tested recipes from magazines such as Bon Appétit and Gourmet, popular cookbooks, top chefs, and leading restaurants. And the iPad size makes it a great fit as a digital cookbook. What makes it a great personal finance app? Cooking at home is a much cheaper and healthier alternative to eating out!


Grocery IQ – Free



GroceryIQ is a mobile app that allows you to make grocery lists, sync and share them with others (so both you and your significant other don’t come home with a gallon of sauerkraut on the same night), scan barcodes, and even find and send coupons right to your loyalty card. Having a consistent grocery list for each store you shop at is a fail-safe way to keep your grocery expenses down.


Bloomberg – Free



If you like keeping up with your portfolio and business news throughout the day, Bloomberg offers a great iPad app to help you do so. The app offers customized news, stock quotes, company descriptions, market leaders/laggers, price charts, market trends analysis, and more.


Trapster – Free



Trapster has over 7 million users who provide information on speed traps, video enforced speed zones, and police check points. Now, we’re not saying you should recklessly speed around with your Trapster app spitting warnings at you. But most of us have been caught slightly over the speed limit at times, just because we weren’t familiar enough with a given area to be on our guard. Just don’t get caught paying too much attention to Trapster while you’re driving around (that kind of defeats the purpose of the app).


Kayak – Free



The Kayak iPad app, in itself, doesn’t offer any groundbreaking new functionality above the iPhone app or Kayak website. However, Kayak offers such a great airfare comparison interface and with the vibrant large-screen iPad display, it packs even more punch onto one screen.


Compoundee HD – Compound Interest Calculator – $1.99



Compoundee HD is a basic, easy-to-use financial calculator that is able to calculate 5 different investment variables on compound interest calculations at a daily, weekly, quarterly, semi-annual, or annual level. You can find out how much an investment will be worth over a period of time and the calculation over email. This app could be extremely useful for real-estate agents and brokers, bankers, and mortgage brokers.


Which iPad personal finance apps make your “best of” list?

GE Miller discusses personal finance topics for young professionals at 20somethingfinance.com.





Apparently controlling the Federal Reserve, funding their bonuses with billions in taxpayer dollars and quite nearly bringing down the global economy with their degenerate gambling habits isn’t enough.


Wall Street now wants to punish any Democrat who lifts a hand against them, and they’re willing to fund primary challenges to do it.


Carolyn Maloney worked to push through the Credit Card Holder’s Bill of Rights, which may not have gone far enough to limit the ability of Wall Street robber barons to gouge credit card holders.  But it will cost the credit card industry about $10 billion a year, and that was apparently a bridge too far for Steve Rattner, Orrin Kramer, Maureen White and other Democratic party oligarchs who are now funding hedge fund darling Reshma Saujani’s primary challenge as a way to punish Maloney for her transgressions.


From the Washington Post:


has worked at three hedge funds. She speaks the arcane language of derivatives and basis points and mortgage-backed securities. Saujani has positioned herself as the anti-Maloney, the only candidate who understands how stressful and difficult the past few years have been for some of the wealthiest people in America.


Poor dears. Yes, the Masters of the Universe are so very put upon in these hard times.  It’s only right that they be allowed to have their own member of Congress, if they can afford one:


Since she entered the race in November, Saujani has received more than $800,000 in campaign contributions, an impressive tally for an untested candidate. Many of those checks came from New York financiers and their spouses.


Former Morgan Stanley chief executive John Mack has given her money. So has Apollo Management founder Leon Black and the wife of J.P. Morgan Chase chief executive Jamie Dimon. Hedge fund mogul Marc Lasry hosted a fundraiser for her featuring singer John Legend that brought in a clean $100,000.


She has also attracted help from prominent New Yorkers. Maureen White, a major Democratic donor and wife of financier Steven Rattner, is introducing her to potential donors. Diana Taylor, a Republican former investment banker and the longtime companion of Mayor Michael R. Bloomberg (I), is advising her campaign.


Maureen White, the former National Finance Chair of the DNC (who was able get a story about her DUI yanked out of the New York Times thanks to the close personal friendship between her husband Steve Rattner and Pinch Sulzberger), thinks that now is the right time to be publicly attacking the recently widowed Maloney for just not being quite sharp enough for the job:


Saujani’s supporters openly question Maloney’s fitness to serve and her intellectual heft. In an interview, White, the major Democratic donor, called Maloney “a good person.” But she said, “There’s a lot more to being a good representative: leadership, intelligence, hard work, a creative approach to policy, thinking things through.


“When you look at this district, it should have a star,” White added. “We need the best of the best, and I think Reshma is in that category in a way Carolyn isn’t.”


And why does White  think Reshma’s got the intellectual ballast?  Well, because Reshma understands that “the financial industry has been unfairly demonized in Congress”:


“Populism for the sake of populism, to increase poll numbers, is not helpful,” she said. “We need to have people in Washington who feel comfortable with understanding regulatory markets, economic terms. . . . I don’t think that she has practical real-world experience.”


Yes, that angry rabble who just don’t understand how Very Important our Wall Street Overlords are just need to STFU and graciously accept the leadership of someone like Reshma, whose glowing resume includes:



  • Chief Operating Officer of a fund at Carret Asset Management, the hedge fund partially controlled by Hassan Nemazee, who recently pled guilty to running a Ponzi scheme that looted $292 million from banks to pay for a yacht, a Maserati and a Cesna, among other perks.

  • Associate General Counsel for The Carlyle Group’s Blue Wave Partners Management, which invested in mortgage-backed securities. Unsurprisingly, Reshma doesn’t support current legislation to regulate derivatives trading.

  • Deputy Chief Operating Officer of the Liquid Markets business at Fortress Investments, the hedge fund that owned a subprime mortgage lender that “foreclosed on New Orleans homeowners who fell behind on their payments after Hurricane Katrina.”  Reshma says she was “unaware of the problem.”


Reshma has convinced the Right People that she’ll be there for them.  Even Mike Bloomberg has blessed her, through his girlfriend Diana Taylor, quoted in the Washington Post article:


“Reshma has a strong fundamental understanding about how the industry works,” Taylor said. “You’ve got these people [in Congress] yelling and screaming who know nothing about what they’re talking about — nothing. And it just creates a huge problem.”


Oh yes, Congress and their “screaming and yelling” about Wall Street.   They really have been terribly unfair to the poor banks.  No wonder the Masters of the Universe feel they’re entitled to their own member of Congress to address this terrible injustice.  And they’re writing the checks that fund her.



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Mint personal finance tool by pfreviews






photo: Ben Atkin



According to Techcrunch, since the iPad’s release in April the number of iPad apps has grown to over 10,000. That is still dwarfed by the iPhone’s library of 200,000 apps — and growing — but is still pretty impressive for just a few months on the market.


Since the iPad is still in its infant stages, the app store is relatively light on apps with a specific personal finance focus: most still focus on the gaming and reading niches. (Apple, however, says that almost all of its 200,000 iPhone apps are compatible with the iPad, including the Mint.com mobile app. You could also revisit Mint’s list of the top personal finance apps, published back in February. Alternatively, take a look at Apple’s list of money management iPhone apps.)


Still, we were recently able to find seven iPad apps that, if not directly related to personal finance management, at the very least help you find savings in everyday life situations and, as a result, manage your money more successfully.


Staying true to the Mint money-saving spirit, all but one of the apps are free to download (the other costs only $1.99), and none require a subscription.


Zillow – Free




Zillow has established itself as a great starting point for anyone interested in buying or selling a home. You can search by city or zip, find all homes for sale in the area of your interest, as well as comparable home sales. Once you’ve found a home you’re interested in, you can check out what that home sold for in the past and its estimated value, or “Zestimate.” Why does it make a great mobile app? Because it enables you to take your home search on the road with you: once you hunt down homes you are interested in, you can see them in person, and then take a peak at photos taken from inside the home.


Epicurious – Free



The iPad app from Epicurious.com includes over 28,000 tested recipes from magazines such as Bon Appétit and Gourmet, popular cookbooks, top chefs, and leading restaurants. And the iPad size makes it a great fit as a digital cookbook. What makes it a great personal finance app? Cooking at home is a much cheaper and healthier alternative to eating out!


Grocery IQ – Free



GroceryIQ is a mobile app that allows you to make grocery lists, sync and share them with others (so both you and your significant other don’t come home with a gallon of sauerkraut on the same night), scan barcodes, and even find and send coupons right to your loyalty card. Having a consistent grocery list for each store you shop at is a fail-safe way to keep your grocery expenses down.


Bloomberg – Free



If you like keeping up with your portfolio and business news throughout the day, Bloomberg offers a great iPad app to help you do so. The app offers customized news, stock quotes, company descriptions, market leaders/laggers, price charts, market trends analysis, and more.


Trapster – Free



Trapster has over 7 million users who provide information on speed traps, video enforced speed zones, and police check points. Now, we’re not saying you should recklessly speed around with your Trapster app spitting warnings at you. But most of us have been caught slightly over the speed limit at times, just because we weren’t familiar enough with a given area to be on our guard. Just don’t get caught paying too much attention to Trapster while you’re driving around (that kind of defeats the purpose of the app).


Kayak – Free



The Kayak iPad app, in itself, doesn’t offer any groundbreaking new functionality above the iPhone app or Kayak website. However, Kayak offers such a great airfare comparison interface and with the vibrant large-screen iPad display, it packs even more punch onto one screen.


Compoundee HD – Compound Interest Calculator – $1.99



Compoundee HD is a basic, easy-to-use financial calculator that is able to calculate 5 different investment variables on compound interest calculations at a daily, weekly, quarterly, semi-annual, or annual level. You can find out how much an investment will be worth over a period of time and the calculation over email. This app could be extremely useful for real-estate agents and brokers, bankers, and mortgage brokers.


Which iPad personal finance apps make your “best of” list?

GE Miller discusses personal finance topics for young professionals at 20somethingfinance.com.





Apparently controlling the Federal Reserve, funding their bonuses with billions in taxpayer dollars and quite nearly bringing down the global economy with their degenerate gambling habits isn’t enough.


Wall Street now wants to punish any Democrat who lifts a hand against them, and they’re willing to fund primary challenges to do it.


Carolyn Maloney worked to push through the Credit Card Holder’s Bill of Rights, which may not have gone far enough to limit the ability of Wall Street robber barons to gouge credit card holders.  But it will cost the credit card industry about $10 billion a year, and that was apparently a bridge too far for Steve Rattner, Orrin Kramer, Maureen White and other Democratic party oligarchs who are now funding hedge fund darling Reshma Saujani’s primary challenge as a way to punish Maloney for her transgressions.


From the Washington Post:


has worked at three hedge funds. She speaks the arcane language of derivatives and basis points and mortgage-backed securities. Saujani has positioned herself as the anti-Maloney, the only candidate who understands how stressful and difficult the past few years have been for some of the wealthiest people in America.


Poor dears. Yes, the Masters of the Universe are so very put upon in these hard times.  It’s only right that they be allowed to have their own member of Congress, if they can afford one:


Since she entered the race in November, Saujani has received more than $800,000 in campaign contributions, an impressive tally for an untested candidate. Many of those checks came from New York financiers and their spouses.


Former Morgan Stanley chief executive John Mack has given her money. So has Apollo Management founder Leon Black and the wife of J.P. Morgan Chase chief executive Jamie Dimon. Hedge fund mogul Marc Lasry hosted a fundraiser for her featuring singer John Legend that brought in a clean $100,000.


She has also attracted help from prominent New Yorkers. Maureen White, a major Democratic donor and wife of financier Steven Rattner, is introducing her to potential donors. Diana Taylor, a Republican former investment banker and the longtime companion of Mayor Michael R. Bloomberg (I), is advising her campaign.


Maureen White, the former National Finance Chair of the DNC (who was able get a story about her DUI yanked out of the New York Times thanks to the close personal friendship between her husband Steve Rattner and Pinch Sulzberger), thinks that now is the right time to be publicly attacking the recently widowed Maloney for just not being quite sharp enough for the job:


Saujani’s supporters openly question Maloney’s fitness to serve and her intellectual heft. In an interview, White, the major Democratic donor, called Maloney “a good person.” But she said, “There’s a lot more to being a good representative: leadership, intelligence, hard work, a creative approach to policy, thinking things through.


“When you look at this district, it should have a star,” White added. “We need the best of the best, and I think Reshma is in that category in a way Carolyn isn’t.”


And why does White  think Reshma’s got the intellectual ballast?  Well, because Reshma understands that “the financial industry has been unfairly demonized in Congress”:


“Populism for the sake of populism, to increase poll numbers, is not helpful,” she said. “We need to have people in Washington who feel comfortable with understanding regulatory markets, economic terms. . . . I don’t think that she has practical real-world experience.”


Yes, that angry rabble who just don’t understand how Very Important our Wall Street Overlords are just need to STFU and graciously accept the leadership of someone like Reshma, whose glowing resume includes:



  • Chief Operating Officer of a fund at Carret Asset Management, the hedge fund partially controlled by Hassan Nemazee, who recently pled guilty to running a Ponzi scheme that looted $292 million from banks to pay for a yacht, a Maserati and a Cesna, among other perks.

  • Associate General Counsel for The Carlyle Group’s Blue Wave Partners Management, which invested in mortgage-backed securities. Unsurprisingly, Reshma doesn’t support current legislation to regulate derivatives trading.

  • Deputy Chief Operating Officer of the Liquid Markets business at Fortress Investments, the hedge fund that owned a subprime mortgage lender that “foreclosed on New Orleans homeowners who fell behind on their payments after Hurricane Katrina.”  Reshma says she was “unaware of the problem.”


Reshma has convinced the Right People that she’ll be there for them.  Even Mike Bloomberg has blessed her, through his girlfriend Diana Taylor, quoted in the Washington Post article:


“Reshma has a strong fundamental understanding about how the industry works,” Taylor said. “You’ve got these people [in Congress] yelling and screaming who know nothing about what they’re talking about — nothing. And it just creates a huge problem.”


Oh yes, Congress and their “screaming and yelling” about Wall Street.   They really have been terribly unfair to the poor banks.  No wonder the Masters of the Universe feel they’re entitled to their own member of Congress to address this terrible injustice.  And they’re writing the checks that fund her.



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Guitar Hero: Warriors of Rock dated <b>News</b> - Page 1 | Eurogamer.net

Read our news of Guitar Hero: Warriors of Rock dated.

NFL Training Camp <b>News</b>: MRI Shows No Damage To Albert <b>...</b>

NFL Training Camp News: MRI Shows No Damage To Albert Haynesworth's Knee.

Introducing the CNET <b>News</b> iPhone app | Digital Media - CNET <b>News</b>

We know you've been clamoring for an official CNET News iPhone app, and we're happy to let you know it's finally here. Read all about what it does and why you should download it. Read this blog post by Josh Lowensohn on Digital Media.



Mint personal finance tool by pfreviews


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Thursday, August 5, 2010

tracking personal finances




Five Best Personal Money Management Sites





Web-based financial management tools have grown in sophistication to the point where many people manage their entire financial lives with online tools. Here's a look at five of the most popular personal money management sites.

Photo a mashup of images by Leonardini and Wilton.


Earlier this week we asked you to share your favorite personal money management site; now we're back to highlight the five most popular contenders.


Click on the screenshots below to take a closer look.


Buxfer (Basic: Free, Premium: From $2.79/month)


Many people are hesitant to use online banking services because of security concerns. Buxfer's compromise to provide ease of use while also assuring users and keeping things as controlled as they would like is to offer multiple methods for storing your credentials. You can manually synchronize your financial accounts with the site, you can store your passwords and login credentials locally using Google Gears, Firefox, or Safari, or you can use the Firebux Firefox extension—Firebux helps you automate the process of downloading financial data from your banking institutions and reviewing Buxfer data. If you'd like to skip the hassle of handling your own syncing, Buxfer offers automatic nightly syncing of your financial data, automatically logging into and pulling data from your various online money portals. Buxfer comes in three flavors: Basic (free), Plus ($2.79 per month), and Pro ($3.79 per month). All accounts include features like split bills, automatic tagging, and mobile access, but you'll pay a premium for unlimited budgets, bill reminders, and balance projections. You can try a live demo of Buxfer here.


Yodlee MoneyCenter (Free)


As many readers were quick to point out, Yodlee provides the guts to the user sites for hundreds of banking and financial services. Organizations like Mint, Thrive, and large banks like Chase use rebranded but Yodlee-powered interfaces. Yodlee users will often characterize Yodlee as similar to Mint, but without such a strong emphasis on flashy graphics. Instead it focuses more on analyzing your raw data—transaction descriptions, for example, are easier to search and more detailed. Yodlee can import data from thousands of institutions, help you generate a budget, automate your bill paying, and send out user-defined alerts. If you like the idea of a site like Mint but want more fine-grained control and the ability to manually tweak things when necessary, Yodlee is a solid alternative.


Mint (Free)


Mint has risen to prominence as a major player among web-based financial management tools by putting an extreme emphasis on user-friendliness and automation. The focus on automation is so strong, in fact, they only recently added the ability to add in any sort of manual transactions. By providing Mint with your various logins, you can track all your financial accounts in one place—checking, savings, credit cards, investments—and easily generate budgets and projections based off your data. Mint has won many people over, especially in the younger demographic, by being the first tool they've used to really get a good look at their money and where it's going.


ClearCheckbook (Basic: Free, Premium: $4/month)




ClearCheckbook is a web-based checking account ledger on steroids. You can track your spending, input your daily expenses from the web-interface or from your iPhone, Android, or Palm, and generate a budget with spending limits. Upgrading to a premium account gets you a custom report tool, custom transaction fields, future balance projection, and editing of the auto-suggest feature. Visit ClearCheckbook at the link above to check out the video tours of both the free and premium accounts—available at the bottom of the main page.


Mvelopes ($39.60/quarter)


Mvelopes is a robust web-based financial tool built on the old principle of budgeting with envelopes—each budget category gets an envelope with a set amount of money. Its focus on an old budgeting technique, however, doesn't mean you're stuck with dated tools. Mvelopes automatically pulls transaction data from hundreds of financial institutions, supports automatic bill payment, and helps you generate snapshots of your net worth as you adjust your budget and goals. Mvelopes is notable for being the only contender in the Hive without a free account option, a testament perhaps to how happy people are with the service that it made an appearance in the top five despite the lack of free-as-in-beer option.



Now that you've had a chance to look over the top five contenders for best personal money management sites, it's time to cast a vote for your favorite:





Have a favorite web-based tool that didn't get a nod or want to talk up your favorite a bit more? Let's hear it in the comments. Have an idea for the next Hive Five? Send us an email at tips@lifehacker.com with "Hive Five" in the subject line and we'll do our best to get your idea the attention it deserves.





Send an email to Jason Fitzpatrick, the author of this post, at jason@lifehacker.com.






Five Best Personal Money Management Sites





Web-based financial management tools have grown in sophistication to the point where many people manage their entire financial lives with online tools. Here's a look at five of the most popular personal money management sites.

Photo a mashup of images by Leonardini and Wilton.


Earlier this week we asked you to share your favorite personal money management site; now we're back to highlight the five most popular contenders.


Click on the screenshots below to take a closer look.


Buxfer (Basic: Free, Premium: From $2.79/month)


Many people are hesitant to use online banking services because of security concerns. Buxfer's compromise to provide ease of use while also assuring users and keeping things as controlled as they would like is to offer multiple methods for storing your credentials. You can manually synchronize your financial accounts with the site, you can store your passwords and login credentials locally using Google Gears, Firefox, or Safari, or you can use the Firebux Firefox extension—Firebux helps you automate the process of downloading financial data from your banking institutions and reviewing Buxfer data. If you'd like to skip the hassle of handling your own syncing, Buxfer offers automatic nightly syncing of your financial data, automatically logging into and pulling data from your various online money portals. Buxfer comes in three flavors: Basic (free), Plus ($2.79 per month), and Pro ($3.79 per month). All accounts include features like split bills, automatic tagging, and mobile access, but you'll pay a premium for unlimited budgets, bill reminders, and balance projections. You can try a live demo of Buxfer here.


Yodlee MoneyCenter (Free)


As many readers were quick to point out, Yodlee provides the guts to the user sites for hundreds of banking and financial services. Organizations like Mint, Thrive, and large banks like Chase use rebranded but Yodlee-powered interfaces. Yodlee users will often characterize Yodlee as similar to Mint, but without such a strong emphasis on flashy graphics. Instead it focuses more on analyzing your raw data—transaction descriptions, for example, are easier to search and more detailed. Yodlee can import data from thousands of institutions, help you generate a budget, automate your bill paying, and send out user-defined alerts. If you like the idea of a site like Mint but want more fine-grained control and the ability to manually tweak things when necessary, Yodlee is a solid alternative.


Mint (Free)


Mint has risen to prominence as a major player among web-based financial management tools by putting an extreme emphasis on user-friendliness and automation. The focus on automation is so strong, in fact, they only recently added the ability to add in any sort of manual transactions. By providing Mint with your various logins, you can track all your financial accounts in one place—checking, savings, credit cards, investments—and easily generate budgets and projections based off your data. Mint has won many people over, especially in the younger demographic, by being the first tool they've used to really get a good look at their money and where it's going.


ClearCheckbook (Basic: Free, Premium: $4/month)




ClearCheckbook is a web-based checking account ledger on steroids. You can track your spending, input your daily expenses from the web-interface or from your iPhone, Android, or Palm, and generate a budget with spending limits. Upgrading to a premium account gets you a custom report tool, custom transaction fields, future balance projection, and editing of the auto-suggest feature. Visit ClearCheckbook at the link above to check out the video tours of both the free and premium accounts—available at the bottom of the main page.


Mvelopes ($39.60/quarter)


Mvelopes is a robust web-based financial tool built on the old principle of budgeting with envelopes—each budget category gets an envelope with a set amount of money. Its focus on an old budgeting technique, however, doesn't mean you're stuck with dated tools. Mvelopes automatically pulls transaction data from hundreds of financial institutions, supports automatic bill payment, and helps you generate snapshots of your net worth as you adjust your budget and goals. Mvelopes is notable for being the only contender in the Hive without a free account option, a testament perhaps to how happy people are with the service that it made an appearance in the top five despite the lack of free-as-in-beer option.



Now that you've had a chance to look over the top five contenders for best personal money management sites, it's time to cast a vote for your favorite:





Have a favorite web-based tool that didn't get a nod or want to talk up your favorite a bit more? Let's hear it in the comments. Have an idea for the next Hive Five? Send us an email at tips@lifehacker.com with "Hive Five" in the subject line and we'll do our best to get your idea the attention it deserves.





Send an email to Jason Fitzpatrick, the author of this post, at jason@lifehacker.com.




penis extender

2009_10_02_0013 by Vikram Chadaga