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.

The Best Free Android Finance Apps

Obviously many people will be skeptical as to how good free apps actually are, with many consumers actually purposefully not downloading free apps due to fears that they will crash or being infected with various ways of stealing your money. However these fears are totally unfounded and without evidence so do not let this put you off. Now to the apps:

PayPal

If you have been on the internet at some point then you will have undoubtedly heard of PayPal. The service facilitates payments between people via a simple email address, avoiding the complexities usually associated with bank transfers and the like. The PayPal Android app allows users to manage their PayPal account just as they would through the official website. The app is totally secure and allows you to make purchases or deposits also amongst other activities on the move, a very useful addition to the marketplace.

Quote Pro

Quote Pro is also an incredibly useful app, used by many on a daily basis it has fast become one of the most downloaded in its range. Not only can you obtain extremely detailed and accurate information about the range of stocks you have an interest in, but you can also keep an eye on your portfolio of stocks and shares.

Tip Calculator by TradeFields

Tip Calculator is perhaps one of the most imaginative apps I have personally seen on the app marketplace. It is incredibly useful for an aspect you will have probably have struggled with every time you’ve been out for a meal, the tip. Not only will the app inform you of the total tip you should be leaving behind, but will also divide the total tip amount between the number of people at the dinner, saving much embarrassment, delays and napkin calculations!

Currency Converter

How many times have you been in a foreign country or at the airport and have been wondering how much you will actually get in return for your dollars? Numerous times in all probability. The currency converter provided by Pocketools will enable you to be provided with an accurate, up to date and independent currency exchange valuation allowing you to shop around to find the best exchange rate. Not only does this app provide you with the current exchange rate, it will also give you data on the currency of your choice over the last 5 year period through the use of many easy to read graphs.

Mileage

This is without doubt one of the best apps I have personally seen. With the rising prices of gas which look set to continue for the foreseeable future it is a great way of ensuring that you are driving as economically as possible and therefore saving as much gas as possible. I haven’t an idea about how it works but it does, the interface is also extremely slick, simple to navigate through and to understand.

Finance

Finance, whilst the name of the app may not excite you or conjure up ideas that this app is going to change the world it certainly fills a gap in the market which needed a simple app. It’s similar to Google search in many aspects, it provides a very basic user interface, but one that is incredibly effective and performs its job excellently. If you already use Google Finance or are considering starting to use it then this app is vital, it synchronizes everything meaning it’s like being on your main PC.

Financisto

Financisto is another great money manager. The ability to create long and short term budgets for holidays, short breaks or just a simple shopping trip is a real plus point for this app and one which has seen it rocket in terms of popularity. In addition to this the app has the capability to check your recurring payments amongst many other essential financial activities; this has left many users of the marketplace wondering why there is no charge.

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.

How to Avoid the Bad Apples of Equipment Leasing

Every business owner has enough confidence to fill an auditorium. So why is that a business owner feels uneasy when they are making big decisions? Why is it that a business owner feels uneasiest when they are getting ready to take on debt?

Finding an equipment leasing company that you feel comfortable with doesn’t happen naturally. You are dealing with an industry that doesn’t have the best reputation, and worst of all, you are on their turf. Here is a shortlist of some of the reasons that a business owner may not feel comfortable with their equipment leasing company. They:

1. Are uncomfortable taking on new debt in the first place.
2. Don’t like sharing their personal and business information with a stranger
3. Don’t know much about equipment leasing, and they fear what they do not know
4. Are worried they are getting ripped off

And these are just the beginning.

Finding and working with an equipment leasing company that you can trust does not need to be difficult. In fact, it will make you happy to know that most companies in this industry aren’t out to steal your money. Just like any business they are out to make money, but in an honest manner. But here are a few tips to follow in order to make sure that you stay away from those bad apples.

Tip #1

Check out Better Business Bureau. By looking for the company you are working with on the better business bureau, you can see what other customers have said about them. If you see several lawsuits and complaints that have gone unresolved it may be a sign that you are working with a bad apple.

Tip #2

Google Them. Much like the Better Business Bureau, Google is a resource of all the things that people say about your equipment leasing company. It’s amazing how many times a bad article works it’s way to the top of the page. Don’t judge your company by one article, but if you start to see a pattern, be sure to take note.

Tip #3

Ask Lots of Questions. Never finalize your deal unless you understand everything in the documents. Questions that go unanswered can lead to big problems down the road. You may agree to something you never intended to and end up paying more money than you ever anticipated. If your equipment leasing representative tries to dodge your questions, this might be an indication that you aren’t working with an honest bunch.

Tip #4

Beware of Who You Share Your Information With. Talk to the person who is asking for your information and really get a feel for who they are. How long have they been in business for? Who do they share their information with? Do they have a traceable web address?

Tip #5

Research, Research, Research!!! The best way to feel comfortable with your big purchase and new debt is to know exactly what you are getting into. So buy a book, talk to your CPA,

Best Smart Phone Apps for Personal Finances

While everything today seems to be on the go, you want to make sure that your personal finances can also be on the go with you. There are a lot of apps out there for smart phones to help you get control and keep track of your finances. These applications will help you learn how exactly you spend money, find money saving deals, and help you keep you and your family’s financial information organized and secure.

The first app is ‘Mint’ which takes a look at your spending habits and helps you create different budgets for certain financial categories such as food, clothes, and gas. You can track how much you make and how much you spend monthly and even weekly on different things. Creating a budget is also easy with this app, especially since you can update your account information online and through your app. It will also send you alerts when you are under a certain amount of money in your bank account or if you have gone over any budgets. Mint is available for iPhones, Androids, and Blackberrys for free.

Pageonce will help you pay any and all of your bills safely and securely straight from your phone. You can set up any bills that you have to pay in to their easy to use application so that all of your bills are in one place so you can stay on top of your bills. Scheduling payments isn’t the only thing that is great about Pageonce, they also work extremely hard to keep all of your information as safe and secure as it would be through a bank, and they even help monitor any suspicious activity in your accounts to help prevent fraud and identity theft. Like Mint, Pageonce is available for Apple Products, Android, Blackberry as well as Windows Phones.

When it comes to money, gas prices are pretty important. GasBuddy will let you find and compare different gas prices in your area. This app lets you get up-to-date information about gas prices in that area from other users and it tells you when the last update was. You get different filter options so that you can find different types of gas such as unleaded, premium, and diesel, and you can filter out the options based on price and distance. GasBuddy is a free application that is available for Android and Windows Phones as well as Blackberry and Apple.

Getting the lowest price possible is always helpful. Google’s Google Shopper app will help you get the best deal you can. You scan the barcode of the item you want to buy and Google Shopper will help find the same product but at a lower price so that you know you are getting the best deal. After recent updates, the application will also let you find offers that are nearby, and even get offers of the day. Google Shopper is available for Android and iPhone users.

For those of you who like to get the best deal by clipping coupons, “Yowza!!” is perfect for you. With Yowza, you can find coupons based on your city or zip code so you get the best local savings. You can even sign up to get alerts for when you favorite store adds new coupons. These coupons don’t require you to print anything out, so you don’t have to be fishing for the coupon when you get up to the cashier, they simply scan the barcode right from your phone and you get instant savings. Not only does it save you money in the store, but it doesn’t cost anything to download it for your iPhone. Other smart phone users can check out the “Where” app who is partnered with “Yowza!!”.