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.

What An Online Finance Degree Can Do For Your Future

Acquiring an online finance degree is one of the most flexible and lucrative option for becoming a professional. If you haven’t acquired your degree yet due to time constraints or other binding problems, taking an online course will give you the flexibility to balance your work or family life with gaining an education. Choosing just any degree would probably not be the best move, but choosing a finance degree is a safer bet than a degree in the humanities.

Flexibility is one of the greatest components of attaining a degree online. Unlike in high school, you’ll have the freedom to decide on your own time. Not only that, but there’s no longer any authority figures hovering over you, treating you as if some child. This will allow you to become more independent and become better at time management. It also allows the opportunity to still be socially active since you can plan around your social activities. Do you hang out with friends during the afternoon, maybe in the evening? You can easily create a schedule that will leave those time frames open.

With a finance degree so many options become open to you, from becoming a financial consultant to a manager. It’ll give you the skills and knowledge that will help you excel in your chosen career after graduation. Not only that, but this is one field that can withstand a recession; a recession may even boost job opportunities. With so many financial woes that require financing and consultation during a recession, there should be plenty of job opportunities. Gaining an online finance degree will allow you to acquire those jobs.

Gaining knowledge in finance will not only help you acquire clients or land a job, it will allow you to better evaluate your own finances. The practical skills you gain through an online degree, along with involvement with your professors, you’ll be capable of better understanding the financial market and how to use it to your advantage. This will also empower you in ways you may not have imagined. In this society, despite how horrible it may be, those lacking a degree have fewer options and are less regarded as their degree-holding counterparts. By gaining a degree, online or not, you gain more power to use the current social system to your advantage.

Of course, an online degree is no easy getaway. There will be work assigned, texts to read, and exams to take. But let me ask you this, is that really any harder than the problems you’ve dealt with in life? For those who are currently working a minimum wage job, perhaps even two, those hours spent on studying probably wont compare to the feelings of tiredness you’ll feel after finishing a job. Assignments probably wont be as hectic as handling a family. There’s so many other barriers that you have already overcome, gaining a degree shouldn’t be seen as any more difficult to overcome. At the end of your school work load, after you finally gain that finance degree, all those efforts in studying will be sure to show. You’ll be able to get a higher paying job, spend less hours working, and in effect, more time doing what you want.

Where to Find Car Loan Low Interest Finance

You may be surprised to learn how much you will be able to save when you take out car loan low interest finance. If you have been working hard to negotiate the best sale price on your new car, you certainly won’t want to negate the savings you make by paying dearly for finance. There are many companies around who can offer you a good deal on an auto loan and, when looking for car finance, you should aim to pay the lowest rate you can.

When looking for car loan low interest finance you should ensure that you consider all options available to you. A lot of people feel more comfortable sticking with their own financial institutions or the larger bank lenders as they seem to think they will be able to provide the best loans at the best rates. This is not always the case. These days there are a large number of non-bank lenders who provide car loan low interest finance.

Probably the best place to start looking for car loan low interest finance is on the internet. The majority of non-bank loan providers operate solely online as it is an easy way to set up their business without having to outlay a lot of capital. These companies also have minimal running costs, so they can afford to offer car loan low interest finance and still make a reasonable profit.

It is important, when searching for car loan low interest finance, that you realize that interest rates can vary considerably between lenders these days. Ensure that you take the time to shop around and get as many quotes as possible, as you may never know when you will come across the perfect auto loan at the lowest price around. It is only by approaching as many lenders as you can that you will have any success in finding car loan low interest finance.

Looking for car loan low interest rate financing is quick and easy when you do it online. Not only can you compare lenders at a time that is convenient for you, but you will only need to enter your details once in order to receive multiple quotes. The other great thing about getting car loan low interest finance online is that the application process is incredibly straight forward. Once you have found a great rate from a reliable lender, you will be able to apply for your loan online by completing a standard application form. Your application will be submitted to your lender immediately and so the processing of your application is a lot faster.

One thing that you will need to be cautious about when getting car loan low interest finance online is that you will need to ensure that the lender you go with is legitimate and reputable. Sometimes a company that offers ridiculously low rates may not be the most trustworthy, so always take the time to find out more about a lender before signing on the dotted line. You can check out the business ratings of various lenders online through the Better Business Bureau or through auto finance review sites.

100 Financing Investment Property

100 financing of investment properties refers to 100% financing from outside for your investment in real estate. Funds that are brought from one’s own savings, on loan from friends or relatives are in a way not much different from capital whereas real debt or Investment property financing comes from financial institutions. These entities – banks, mortgage firms and lending organizations like credit unions — lend funds to the applicant on the trust of a collateral security or based on the income, credit-worthiness and repayment capacity of the individual. Even if these criteria are satisfactory, an investment property financing institution may ask to be shown the business plan of how the applicant means to generate income using the pieces of property he or she means to buy and consequently pay off the loan or conclude the mortgage. The lender has the right to know how the business is going to be conducted because the revenues of this business determine how fast the loan is going to be repaid. With the turn in the economy, 100% financing investment property has almost been done away with.

100 financing investment property

In the United States, there are three credit bureaus, Equifax, Experian and Transunion, that maintain records of the lines of credit extended to each individual and how they are being handled. The credit reports formulated by these bureaus reflect how many credit card accounts a person has, how many times he or she has defaulted in payment or gone over the credit limit; other forms of financing availed by the individual such as home mortgage, auto finance or student loans, are also listed. Lenders and creditors have access to these credit reports and use them to check if an applicant is worth the risk of being given a loan. The exact features that point to an applicant as being risky can be found out after a professional analysis of one’s credit report. A high Debt to Income ratio and loan to value ratio are some of the red-flags. These areas have to be improved so as not be saddled with an exorbitant rate of interest and terms that are not favorable to the borrower. Some unfavorable terms are floating interest rates that send the finance charges through the roof upon a single defaulted payment. To prevent this eventuality, it is better to choose a deal with a fixed (flat) interest rate or a low ceiling rate on the interest rate slab.

Lending fees, high interest rates, discount points (another form of lending fees paid upfront to prevent the interest from racing up) can actually break the bank. In fact, there are many cases in which discount points have been deceptive and one ends up paying more for them, than the actual interest (finance charges) that would have been paid if the interest rates did go up. To prevent such goof ups, it is a good idea to take estimates from two or three lending organizations, compare their offerings and then choose the one that appeals most to one.

The worst pitfall to guard against is when some lender tells you that you are eligible for 100% financing of investment property. Those idyllic days are over. In fact, they are past their sell by date because there were not so idyllic. There may be such plans available on subsidy from the government for the exclusive use of first time homeowners who belong to the low income group. But this does not include investment property dealers. Traditional methods of 100% financing are now called owner financing and are still available but they are not an attractive option. It is not surprising that requests for owner financing are viewed with suspicion of default by lenders and therefore, that avenue is best avoided.

Best Online Finance Degree

Finance is one of the flourishing sectors in recent times. With the increase in the management and professionalism, the development of business has developed a sudden urge for the finance graduates with the increasing professionals in the field. Acquiring a degree through distance learning provides the students with an opportunity to develop an option to learn and earn. Best Online Finance Degree provides the students with an opportunity to opt for some of the best program and learn unlike the usual traditional format of education. The degree facilitates a wide array of options for the students to choose amongst the financial degrees available with the best institutes that suits you appropriately.

It is seen that the finance professionals are gaining larger scope with the passing time with the fast paced world of commerce and business. The fields like banking, economics, insurance, trading, brokering, currency, etc finance professionals are seen to have a major role play in the economic situation of the nation. Including the corporate leaders as well as the business activist, everyone requires ace finance professionals for the development of the capital.

Best Online Finance Degree provides you an opportunity to generate a lucrative career in the finance field. It is noticed that not only students but many working adults have chosen online finance degree in order to run along with the advancements taking place in the modern dynamic industry. Due to the rising demand for the finance professionals wide range of universities and institutes offer online finance degree. The options for these degrees include bachelor, master and PhD. With the selection for the level of degree you can opt for any of the program.

As the career provides lucrative options, the investment offered for the program is equally expensive. However there are wide range of educational loans and scholarships in the market that can help you financially in acquiring the degree. Yet another prominent point to be kept in mind while acquiring the degree includes the selection of institute or university. As there are wide range of institutes and universities offering this course, however the deciding factors like popularity of the institute, accreditation, cost, etc in order to select best online finance degree. You also need to employ some of your time in generating the budget for your full-time course. Plan and executive all your expenses in the due process and generate a proper financial plan for the long-term.