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.

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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.

Personal Finance, Corporate & Public Finance

Finance basically revises and deals with various methods by the means of which businesses, companies, and individuals hoist, distribute, and utilize financial supplies over a stipulated time, along with considering the threats involved in their assignments. Hence, the expression of finance may engross any of the below mentioned stuffs:

o The execution and outlining of the assignment’s threats.

o The art of executing funds.

o The administration and execution of the resources.

o The revision of funds and other capitals.

In consideration of the expression “to finance”, it signifies to offer finances for commerce or for an individual’s huge purchases such as house, car, etc. The commotions of finance are the submission that individuals and firms utilize for executing their funds, specifically the variations amidst earnings and expense along with the threats of their assets.

Alternative Revisions:

For the earning that surpasses its expense list may provide or spend the surplus income. Simultaneously, an individual whose earnings are less than the expenses may hoist assets by purchasing or lending the equity claims, reducing its expenditures, or boosting its earning. Now, the lender can find a borrower, a monetary mediator, as such a bank or can purchase notes or shares from the share market. Further, the lender acquires interest rates, and the borrower shells out a bigger interest rate than the lender acquires, and the monetary mediator concise the variation.

Banks amass the commotions of several lenders and borrowers, and it also welcomes the deposits from various lenders, on which it shells out the interest rate. Further, the bank lends these deposits to the borrowers, and by this method bank permits the authority for both the lenders as well as the borrowers of distinctive horizons, to synchronize their financial commotions. Hence, banks are described as compensators of money streams in space.

For example, if an individual buys one share of ABC Inc, and the firm posses 100 shares in stock, then the individual becomes 1/100 possessor of that firm. Obviously, in favor of the stock, the firm acquires cash, which it utilizes to enlarge its commercialization in a procedure called as “Equity Financing”.

Utility:

Finance is utilized by almost every individual (personal finance), commerce (corporate finance), by government bodies (public finance) and by a huge range of institutions engrossing school, colleges, and all the non-profit institutions. Usually, the objectives of each of the above mentioned commotional bodies are attained by the utilization of proper financial implementations, along with systematic contemplation of their organizational backdrop.

Hence, finance is one of the most crucial phases of business administration. A fresh business venture is bound to fail, if appropriate financial concepts are not utilized. Administration of funds is the most necessary stuff for ensuring a safe financial future for both the firms as well for the individuals.

Top Budget and Personal Finance Apps

Let’s face it, there are some extreme couponers, thrifters, and smart consumers out there always trying to save money and get the best deals. With budgets that much more tight in these tough economic times, it’s okay to get a little help from none other than our smartphone apps. I mean, why not, right? We have our smartphones with us nearly every minute of the day, so this kind of smart budgeting is accessible to anyone. Keep track of your monthly spending, set limits on each category of goodies you purchase, save money, and look up investment ideas and accounts has never been easier. Read on to see how you can always control and be on top of your personal finances. We’ll reveal the top budgeting and smart spending apps for you thrifty shoppers out there!

For one, there are so many budget tracking apps out there, but a really useful one would come with a budget tracker tool that will allow you to view your yearly, monthly, weekly, and daily purchases. You can further categorize them and see visually and through charts and notifications how much you spend exactly in each category. There is also a rollover option for you to transfer leftover funds from previous months or weeks to roll over and won’t mess up your budgeting. Of course, you can always opt out of this option and have a set number of expenses every month.

Another useful app gives you control to add new transactions over your allotted sum of money and spending finances. Pre-setting an overall budget for the entire month, and thereby deducing every time you make a purchase gives you instant updates on the money you have and the money you are losing. These transactions are totally customizable. Currency converters may also be useful if you plan on spending your money in a foreign country. We all get carried away when we travel, but this app makes it easy to stay focused on the budget, even when you’re not familiar with the currency exchange.

Another great app gives you total control over importing your finances onto your phone from an external memory device – your laptop, desktop, or anything with wireless. You can also set a password to manage your personal finances with utmost privacy. Charts and graphs give you short and easy to read summaries of your account activity. You can share these things in the form of PDF, Excel spreadsheet, or import to Google Documents in order to share with your family, business collegiate, execs, or co-workers.

If you are comfortable, some apps may even connect directly to your bank account and give you automatic categorized notifications of your spending. It will constantly update your spending profile and read instant in depth overviews. Any suspicious activity will be announced. Budget tracking is that easy!

In fact, budget tracking has made it easier to keep track of your credit scores, and credit score reports. Why not try to improve your credit score while you are managing your personal finances? If you use the right app, your personal finances will be in a much better place.