Thursday, December 9, 2010

how to manage personal finances

In the digital age, nobody likes carrying a lot of cash around – I know I don’t, anyway. This can be especially frustrating when you go to keep track of your expenses, who you owe money to, who you lent some to and just where it all goes over the month.

As always, there are a lot of apps out there to help you do various things with your money. There are apps to figure out how to manage your money, oversee expenses, send money to people, keep track of who owes you, and more.

In this article, I’ll show you some of the applications you can take advantage of to do everything I’ve mentioned here, leaving you free to pick and choose the apps that will make your life easier.

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How to Manage Your Money

I’m beginning to learn just how difficult managing your expenses can be. For the most part, I use my debit card tied to my checking account to make purchases. I use it at the grocery store, when I go out to lunch with my coworkers and on the weekend when I’m out exploring the city.

At the end of the month, my bank statement looks pretty ridiculous. All of these small transactions make it difficult to sift through. I still know what everything is, but if I wanted to see where I could be saving some money I wouldn’t know the first place to look.

Sounds like you? Even if it doesn’t, you could still reap the benefits of visually being able to manage your money. These apps make the process a lot easier.

Mint

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Mint has been on our radar since back in 2007 when Karl wrote about it. Plain and simple, if there is one app I want you to keep in mind it’s this one.

Mint is a free personal finance application that can help you compare your bank accounts, credit cards, CDs, brokerage and 401(k) to the best products out there. It offers a visual representation of your finances and is very easy to set up. Use it to manage your budget, get credit card advice and understand investing.

Here’s a great video showcasing an overview of Mint’s features:

For some helpful tips on how to use Mint, check out Bakari’s article on How To Use Mint To Manage Your Budget & Spendings Online.

Thrive

Thrive (directory app) is also a great application if you’re looking for a simple way to keep track of your spending. With Thrive, you get an overall Financial Health score, which is one number that shows you how financially fit you are. It also shows you scores in other areas and offers you advice on how to make improvements.

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Thrive breaks down your spending for you and shows you where you can save. Compare your current budget to last month’s, as well as view a six month average and target budgets to follow.

Texthog

Looking for an even simpler way to track expenses? Texthog (directory app) lets you easily store, organize and access your receipts, expense reports and more via text message, the web, your email, iPhone and even Twitter.

style="text-align: center;">

A Texthog free account gives one user the ability to track expenses, view unlimited reports and get budget/bill reminders. Take a photo of your receipts and utilize tags and categories to keep track of everything.

To check out Texthog on your iPhone, you can find the application on iTunes.

Venmo

Speaking of text messages, have you heard of Venmo? Venmo (directory app) is a nice little app that lets you pay and charge friends with your phone. Send and receive secure payments by linking your card to your account. This allows you to settle small loans you give/get by eliminating paper transactions for small amounts of money.

style="text-align: center;">

To use Venmo, all you do is create an account. You can then send and receive money to other accounts simply by using text commands in SMS. Accept a “trust” request from your friends and make transactions without having to authorize them by texting a 3 digit code.

This is a pretty solid application that I have been using a lot lately with my friends/coworkers. It’s great for when a bunch of you are out to lunch and not everyone has cash on them. “I’ll just put it on my card and Venmo you all afterwards.”

Owe Me Cash

style="text-align: center;">

Owe Me Cash is a nice app I found recently that is also very easy to use. If someone owes you money, you just sign into Owe Me Cash with your Twitter, Facebook, OpenID, or regular account and tell the app about the debt. The app will send automatic reminders to those that owe you money by phone, text and email, so you can get paid!

This app is more fun than serious, but it doubles as an easy way to keep track of who owes you what. Let the app bug your friends to pay you so you don’t have to do it yourself – it’s a win-win.

Conclusion

With these applications, your finances will never look better. Say goodbye to paper money and change.

What do you think of these money-managing applications? Will you be using any of them?

Image Credit: marema

In the digital age, nobody likes carrying a lot of cash around – I know I don’t, anyway. This can be especially frustrating when you go to keep track of your expenses, who you owe money to, who you lent some to and just where it all goes over the month.

As always, there are a lot of apps out there to help you do various things with your money. There are apps to figure out how to manage your money, oversee expenses, send money to people, keep track of who owes you, and more.

In this article, I’ll show you some of the applications you can take advantage of to do everything I’ve mentioned here, leaving you free to pick and choose the apps that will make your life easier.

id="more-58352">

How to Manage Your Money

I’m beginning to learn just how difficult managing your expenses can be. For the most part, I use my debit card tied to my checking account to make purchases. I use it at the grocery store, when I go out to lunch with my coworkers and on the weekend when I’m out exploring the city.

At the end of the month, my bank statement looks pretty ridiculous. All of these small transactions make it difficult to sift through. I still know what everything is, but if I wanted to see where I could be saving some money I wouldn’t know the first place to look.

Sounds like you? Even if it doesn’t, you could still reap the benefits of visually being able to manage your money. These apps make the process a lot easier.

Mint

style="text-align: center;">

Mint has been on our radar since back in 2007 when Karl wrote about it. Plain and simple, if there is one app I want you to keep in mind it’s this one.

Mint is a free personal finance application that can help you compare your bank accounts, credit cards, CDs, brokerage and 401(k) to the best products out there. It offers a visual representation of your finances and is very easy to set up. Use it to manage your budget, get credit card advice and understand investing.

Here’s a great video showcasing an overview of Mint’s features:

For some helpful tips on how to use Mint, check out Bakari’s article on How To Use Mint To Manage Your Budget & Spendings Online.

Thrive

Thrive (directory app) is also a great application if you’re looking for a simple way to keep track of your spending. With Thrive, you get an overall Financial Health score, which is one number that shows you how financially fit you are. It also shows you scores in other areas and offers you advice on how to make improvements.

style="text-align: center;">

Thrive breaks down your spending for you and shows you where you can save. Compare your current budget to last month’s, as well as view a six month average and target budgets to follow.

Texthog

Looking for an even simpler way to track expenses? Texthog (directory app) lets you easily store, organize and access your receipts, expense reports and more via text message, the web, your email, iPhone and even Twitter.

style="text-align: center;">

A Texthog free account gives one user the ability to track expenses, view unlimited reports and get budget/bill reminders. Take a photo of your receipts and utilize tags and categories to keep track of everything.

To check out Texthog on your iPhone, you can find the application on iTunes.

Venmo

Speaking of text messages, have you heard of Venmo? Venmo (directory app) is a nice little app that lets you pay and charge friends with your phone. Send and receive secure payments by linking your card to your account. This allows you to settle small loans you give/get by eliminating paper transactions for small amounts of money.

style="text-align: center;">

To use Venmo, all you do is create an account. You can then send and receive money to other accounts simply by using text commands in SMS. Accept a “trust” request from your friends and make transactions without having to authorize them by texting a 3 digit code.

This is a pretty solid application that I have been using a lot lately with my friends/coworkers. It’s great for when a bunch of you are out to lunch and not everyone has cash on them. “I’ll just put it on my card and Venmo you all afterwards.”

Owe Me Cash

style="text-align: center;">

Owe Me Cash is a nice app I found recently that is also very easy to use. If someone owes you money, you just sign into Owe Me Cash with your Twitter, Facebook, OpenID, or regular account and tell the app about the debt. The app will send automatic reminders to those that owe you money by phone, text and email, so you can get paid!

This app is more fun than serious, but it doubles as an easy way to keep track of who owes you what. Let the app bug your friends to pay you so you don’t have to do it yourself – it’s a win-win.

Conclusion

With these applications, your finances will never look better. Say goodbye to paper money and change.

What do you think of these money-managing applications? Will you be using any of them?

Image Credit: marema


bench craft company scam

Leaked Fox <b>News</b> Emails Show Deliberate Slant On Health Care <b>...</b>

It's no secret that Fox News' political coverage isn't always quite "fair and balanced." But emails obtained by Media Matters show that Fox News' Washington managing editor Bill Sammon urged his staff to actually echo Republican talking ...

AMD set to launch Radeon HD 6970/6950 in the third week of December

As Nvidia has launched its latest GeForce GTX 570 GPU as well as reduced the price of its 400 series GPUs, AMD is set to launch its new Radeon HD 6970 and 6950 GPUs in the third week of December, according to sources from graphics card ...

Planet In The Sky With Diamonds - Science <b>News</b>

Carbon-rich world discovered 1200 light-years away.


bench craft company scam

Leaked Fox <b>News</b> Emails Show Deliberate Slant On Health Care <b>...</b>

It's no secret that Fox News' political coverage isn't always quite "fair and balanced." But emails obtained by Media Matters show that Fox News' Washington managing editor Bill Sammon urged his staff to actually echo Republican talking ...

AMD set to launch Radeon HD 6970/6950 in the third week of December

As Nvidia has launched its latest GeForce GTX 570 GPU as well as reduced the price of its 400 series GPUs, AMD is set to launch its new Radeon HD 6970 and 6950 GPUs in the third week of December, according to sources from graphics card ...

Planet In The Sky With Diamonds - Science <b>News</b>

Carbon-rich world discovered 1200 light-years away.


bench craft company scam

Leaked Fox <b>News</b> Emails Show Deliberate Slant On Health Care <b>...</b>

It's no secret that Fox News' political coverage isn't always quite "fair and balanced." But emails obtained by Media Matters show that Fox News' Washington managing editor Bill Sammon urged his staff to actually echo Republican talking ...

AMD set to launch Radeon HD 6970/6950 in the third week of December

As Nvidia has launched its latest GeForce GTX 570 GPU as well as reduced the price of its 400 series GPUs, AMD is set to launch its new Radeon HD 6970 and 6950 GPUs in the third week of December, according to sources from graphics card ...

Planet In The Sky With Diamonds - Science <b>News</b>

Carbon-rich world discovered 1200 light-years away.


bench craft company scam

Leaked Fox <b>News</b> Emails Show Deliberate Slant On Health Care <b>...</b>

It's no secret that Fox News' political coverage isn't always quite "fair and balanced." But emails obtained by Media Matters show that Fox News' Washington managing editor Bill Sammon urged his staff to actually echo Republican talking ...

AMD set to launch Radeon HD 6970/6950 in the third week of December

As Nvidia has launched its latest GeForce GTX 570 GPU as well as reduced the price of its 400 series GPUs, AMD is set to launch its new Radeon HD 6970 and 6950 GPUs in the third week of December, according to sources from graphics card ...

Planet In The Sky With Diamonds - Science <b>News</b>

Carbon-rich world discovered 1200 light-years away.


bench craft company scam

Leaked Fox <b>News</b> Emails Show Deliberate Slant On Health Care <b>...</b>

It's no secret that Fox News' political coverage isn't always quite "fair and balanced." But emails obtained by Media Matters show that Fox News' Washington managing editor Bill Sammon urged his staff to actually echo Republican talking ...

AMD set to launch Radeon HD 6970/6950 in the third week of December

As Nvidia has launched its latest GeForce GTX 570 GPU as well as reduced the price of its 400 series GPUs, AMD is set to launch its new Radeon HD 6970 and 6950 GPUs in the third week of December, according to sources from graphics card ...

Planet In The Sky With Diamonds - Science <b>News</b>

Carbon-rich world discovered 1200 light-years away.


bench craft company scam

Leaked Fox <b>News</b> Emails Show Deliberate Slant On Health Care <b>...</b>

It's no secret that Fox News' political coverage isn't always quite "fair and balanced." But emails obtained by Media Matters show that Fox News' Washington managing editor Bill Sammon urged his staff to actually echo Republican talking ...

AMD set to launch Radeon HD 6970/6950 in the third week of December

As Nvidia has launched its latest GeForce GTX 570 GPU as well as reduced the price of its 400 series GPUs, AMD is set to launch its new Radeon HD 6970 and 6950 GPUs in the third week of December, according to sources from graphics card ...

Planet In The Sky With Diamonds - Science <b>News</b>

Carbon-rich world discovered 1200 light-years away.


bench craft company scam

Leaked Fox <b>News</b> Emails Show Deliberate Slant On Health Care <b>...</b>

It's no secret that Fox News' political coverage isn't always quite "fair and balanced." But emails obtained by Media Matters show that Fox News' Washington managing editor Bill Sammon urged his staff to actually echo Republican talking ...

AMD set to launch Radeon HD 6970/6950 in the third week of December

As Nvidia has launched its latest GeForce GTX 570 GPU as well as reduced the price of its 400 series GPUs, AMD is set to launch its new Radeon HD 6970 and 6950 GPUs in the third week of December, according to sources from graphics card ...

Planet In The Sky With Diamonds - Science <b>News</b>

Carbon-rich world discovered 1200 light-years away.


bench craft company scam

Leaked Fox <b>News</b> Emails Show Deliberate Slant On Health Care <b>...</b>

It's no secret that Fox News' political coverage isn't always quite "fair and balanced." But emails obtained by Media Matters show that Fox News' Washington managing editor Bill Sammon urged his staff to actually echo Republican talking ...

AMD set to launch Radeon HD 6970/6950 in the third week of December

As Nvidia has launched its latest GeForce GTX 570 GPU as well as reduced the price of its 400 series GPUs, AMD is set to launch its new Radeon HD 6970 and 6950 GPUs in the third week of December, according to sources from graphics card ...

Planet In The Sky With Diamonds - Science <b>News</b>

Carbon-rich world discovered 1200 light-years away.


bench craft company scam

Leaked Fox <b>News</b> Emails Show Deliberate Slant On Health Care <b>...</b>

It's no secret that Fox News' political coverage isn't always quite "fair and balanced." But emails obtained by Media Matters show that Fox News' Washington managing editor Bill Sammon urged his staff to actually echo Republican talking ...

AMD set to launch Radeon HD 6970/6950 in the third week of December

As Nvidia has launched its latest GeForce GTX 570 GPU as well as reduced the price of its 400 series GPUs, AMD is set to launch its new Radeon HD 6970 and 6950 GPUs in the third week of December, according to sources from graphics card ...

Planet In The Sky With Diamonds - Science <b>News</b>

Carbon-rich world discovered 1200 light-years away.


bench craft company scam

Leaked Fox <b>News</b> Emails Show Deliberate Slant On Health Care <b>...</b>

It's no secret that Fox News' political coverage isn't always quite "fair and balanced." But emails obtained by Media Matters show that Fox News' Washington managing editor Bill Sammon urged his staff to actually echo Republican talking ...

AMD set to launch Radeon HD 6970/6950 in the third week of December

As Nvidia has launched its latest GeForce GTX 570 GPU as well as reduced the price of its 400 series GPUs, AMD is set to launch its new Radeon HD 6970 and 6950 GPUs in the third week of December, according to sources from graphics card ...

Planet In The Sky With Diamonds - Science <b>News</b>

Carbon-rich world discovered 1200 light-years away.


bench craft company scam

Leaked Fox <b>News</b> Emails Show Deliberate Slant On Health Care <b>...</b>

It's no secret that Fox News' political coverage isn't always quite "fair and balanced." But emails obtained by Media Matters show that Fox News' Washington managing editor Bill Sammon urged his staff to actually echo Republican talking ...

AMD set to launch Radeon HD 6970/6950 in the third week of December

As Nvidia has launched its latest GeForce GTX 570 GPU as well as reduced the price of its 400 series GPUs, AMD is set to launch its new Radeon HD 6970 and 6950 GPUs in the third week of December, according to sources from graphics card ...

Planet In The Sky With Diamonds - Science <b>News</b>

Carbon-rich world discovered 1200 light-years away.


bench craft company scam

Leaked Fox <b>News</b> Emails Show Deliberate Slant On Health Care <b>...</b>

It's no secret that Fox News' political coverage isn't always quite "fair and balanced." But emails obtained by Media Matters show that Fox News' Washington managing editor Bill Sammon urged his staff to actually echo Republican talking ...

AMD set to launch Radeon HD 6970/6950 in the third week of December

As Nvidia has launched its latest GeForce GTX 570 GPU as well as reduced the price of its 400 series GPUs, AMD is set to launch its new Radeon HD 6970 and 6950 GPUs in the third week of December, according to sources from graphics card ...

Planet In The Sky With Diamonds - Science <b>News</b>

Carbon-rich world discovered 1200 light-years away.


bench craft company scam

Leaked Fox <b>News</b> Emails Show Deliberate Slant On Health Care <b>...</b>

It's no secret that Fox News' political coverage isn't always quite "fair and balanced." But emails obtained by Media Matters show that Fox News' Washington managing editor Bill Sammon urged his staff to actually echo Republican talking ...

AMD set to launch Radeon HD 6970/6950 in the third week of December

As Nvidia has launched its latest GeForce GTX 570 GPU as well as reduced the price of its 400 series GPUs, AMD is set to launch its new Radeon HD 6970 and 6950 GPUs in the third week of December, according to sources from graphics card ...

Planet In The Sky With Diamonds - Science <b>News</b>

Carbon-rich world discovered 1200 light-years away.


bench craft company scam

Leaked Fox <b>News</b> Emails Show Deliberate Slant On Health Care <b>...</b>

It's no secret that Fox News' political coverage isn't always quite "fair and balanced." But emails obtained by Media Matters show that Fox News' Washington managing editor Bill Sammon urged his staff to actually echo Republican talking ...

AMD set to launch Radeon HD 6970/6950 in the third week of December

As Nvidia has launched its latest GeForce GTX 570 GPU as well as reduced the price of its 400 series GPUs, AMD is set to launch its new Radeon HD 6970 and 6950 GPUs in the third week of December, according to sources from graphics card ...

Planet In The Sky With Diamonds - Science <b>News</b>

Carbon-rich world discovered 1200 light-years away.


bench craft company scam

Leaked Fox <b>News</b> Emails Show Deliberate Slant On Health Care <b>...</b>

It's no secret that Fox News' political coverage isn't always quite "fair and balanced." But emails obtained by Media Matters show that Fox News' Washington managing editor Bill Sammon urged his staff to actually echo Republican talking ...

AMD set to launch Radeon HD 6970/6950 in the third week of December

As Nvidia has launched its latest GeForce GTX 570 GPU as well as reduced the price of its 400 series GPUs, AMD is set to launch its new Radeon HD 6970 and 6950 GPUs in the third week of December, according to sources from graphics card ...

Planet In The Sky With Diamonds - Science <b>News</b>

Carbon-rich world discovered 1200 light-years away.


bench craft company scam

Leaked Fox <b>News</b> Emails Show Deliberate Slant On Health Care <b>...</b>

It's no secret that Fox News' political coverage isn't always quite "fair and balanced." But emails obtained by Media Matters show that Fox News' Washington managing editor Bill Sammon urged his staff to actually echo Republican talking ...

AMD set to launch Radeon HD 6970/6950 in the third week of December

As Nvidia has launched its latest GeForce GTX 570 GPU as well as reduced the price of its 400 series GPUs, AMD is set to launch its new Radeon HD 6970 and 6950 GPUs in the third week of December, according to sources from graphics card ...

Planet In The Sky With Diamonds - Science <b>News</b>

Carbon-rich world discovered 1200 light-years away.


bench craft company scam

Leaked Fox <b>News</b> Emails Show Deliberate Slant On Health Care <b>...</b>

It's no secret that Fox News' political coverage isn't always quite "fair and balanced." But emails obtained by Media Matters show that Fox News' Washington managing editor Bill Sammon urged his staff to actually echo Republican talking ...

AMD set to launch Radeon HD 6970/6950 in the third week of December

As Nvidia has launched its latest GeForce GTX 570 GPU as well as reduced the price of its 400 series GPUs, AMD is set to launch its new Radeon HD 6970 and 6950 GPUs in the third week of December, according to sources from graphics card ...

Planet In The Sky With Diamonds - Science <b>News</b>

Carbon-rich world discovered 1200 light-years away.


bench craft company scam

Leaked Fox <b>News</b> Emails Show Deliberate Slant On Health Care <b>...</b>

It's no secret that Fox News' political coverage isn't always quite "fair and balanced." But emails obtained by Media Matters show that Fox News' Washington managing editor Bill Sammon urged his staff to actually echo Republican talking ...

AMD set to launch Radeon HD 6970/6950 in the third week of December

As Nvidia has launched its latest GeForce GTX 570 GPU as well as reduced the price of its 400 series GPUs, AMD is set to launch its new Radeon HD 6970 and 6950 GPUs in the third week of December, according to sources from graphics card ...

Planet In The Sky With Diamonds - Science <b>News</b>

Carbon-rich world discovered 1200 light-years away.


bench craft company scam

Leaked Fox <b>News</b> Emails Show Deliberate Slant On Health Care <b>...</b>

It's no secret that Fox News' political coverage isn't always quite "fair and balanced." But emails obtained by Media Matters show that Fox News' Washington managing editor Bill Sammon urged his staff to actually echo Republican talking ...

AMD set to launch Radeon HD 6970/6950 in the third week of December

As Nvidia has launched its latest GeForce GTX 570 GPU as well as reduced the price of its 400 series GPUs, AMD is set to launch its new Radeon HD 6970 and 6950 GPUs in the third week of December, according to sources from graphics card ...

Planet In The Sky With Diamonds - Science <b>News</b>

Carbon-rich world discovered 1200 light-years away.


Wednesday, December 8, 2010

Online Money Making Opportunities



  • Olbermann, Assange, and the Holocaust Denier (12.7)

  • The War on Cameras (12.7)

  • How to Balance the Budget Without Raising Taxes (12.5)

  • Finally, Air Force Can't Afford Bombers, Schools Can't Hold Bake Sales (12.5)

  • Reason.tv: Obama Gets Busted on Mythbusters (12.6)






Amid a shrinking home entertainment market, many in Hollywood have questioned whether any investment in a film library these days is a wise one. However, people close to Colony said the firm is convinced that Miramax was a largely ignored asset that will generate enough cash to repay the debt portion of the purchase within four years.

The library comes with about $300 million in revenue committed from existing deals, along with approximately $100 million in projected revenue for movies released in the last 10 years, people close to the acquisition said.

Under Lang, the new Miramax is expected to explore making a digital distribution deal with Google’s YouTube, building miramax.com as a destination site to view movies online, and launching a new cable channel devoted to its library, which includes titles such as "Shakespeare In Love" and "Chicago." The new owners will also seek a new distributor for Miramax's DVDs, a service that will continue to be handled by Disney for the next several months.

The new Miramax will have between 60 and 80 employees and about $15 million in annual overhead spending, said people with knowledge of the plans. Though executives will explore rights deals and partnerships for sequels and spinoffs based on its library, Miramax won’t finance the production of new films for at least a year, those people said.


A key figure in the Miramax negotiations was Nanula, a longtime senior executive at Disney who served as chief financial officer when the company acquired the specialty studio in 1993 from the Weinsteins.


When his boss, Barrack, gave him a green light to pursue entertainment acquisitions in late June, Nanula suggested they look at Miramax. Barrack contacted Tutor, who was already in talks with Disney to buy Miramax after a previous deal with Burkle and the Weinstein brothers collapsed.

As he had longstanding relationships with several Disney executives, including its lead negotiator, Executive Vice President of Corporate Strategy Kevin Mayer, Nanula spearheaded the talks beginning in early July. He and fellow Colony principal Justin Chang helped to shape the deal that Colony, Tutor and Disney agreed to in principle on July 23.

In the ensuing four months, many details of the purchase were reshaped, as investors originally brought in by Tutor, including Morgan Creek Productions Chief Executive James Robinson, were replaced by parties associated with Colony, most notably the Qatar fund.


Colony and Tutor plan to begin assembling their executive team in the coming weeks. Along with Lang, who has extensive experience in digital media, they are expected to hire a senior television distribution executive to sell Miramax movies to cable and broadcast networks around the world. At one point, talks were underway with Metro-Goldwyn-Mayer TV executive Jim Packer, but the two sides didn't reach an agreement.


-- Ben Fritz


Related:


Ron Tutor-led group closes Miramax deal


New Miramax closing in on CEO, other executives


Disney agrees to sell Miramax to investor group led by Ron Tutor


Top photo: Thomas J. Barrack. Bottom photo: Richard Nanula. Credit: Colony Capital.



bench craft company scam

Steelers <b>News</b> and Notes: - Behind the Steel Curtain

A few notes and thoughts from the Steelers thrilling Sunday night win over the Ravens, as well as updates on the injury front for the six-time Super Bowl champs.

More App Store <b>News</b>: No Mac App Store Promo Codes, iOS/Mac App <b>...</b>

In addition to today's news that promo codes for applications in Apple's iOS App Store are now valid worldwide, several other items of interest related to the iOS and Mac App Stores have surfaced yest.

<b>News</b> - Elizabeth Edwards Dies at 61 - Celebrity <b>News</b> - UsMagazine.com

John Edwards' estranged wife lost her six-year battle with cancer on Tuesday.


bench craft company scam

Steelers <b>News</b> and Notes: - Behind the Steel Curtain

A few notes and thoughts from the Steelers thrilling Sunday night win over the Ravens, as well as updates on the injury front for the six-time Super Bowl champs.

More App Store <b>News</b>: No Mac App Store Promo Codes, iOS/Mac App <b>...</b>

In addition to today's news that promo codes for applications in Apple's iOS App Store are now valid worldwide, several other items of interest related to the iOS and Mac App Stores have surfaced yest.

<b>News</b> - Elizabeth Edwards Dies at 61 - Celebrity <b>News</b> - UsMagazine.com

John Edwards' estranged wife lost her six-year battle with cancer on Tuesday.


bench craft company scam

Steelers <b>News</b> and Notes: - Behind the Steel Curtain

A few notes and thoughts from the Steelers thrilling Sunday night win over the Ravens, as well as updates on the injury front for the six-time Super Bowl champs.

More App Store <b>News</b>: No Mac App Store Promo Codes, iOS/Mac App <b>...</b>

In addition to today's news that promo codes for applications in Apple's iOS App Store are now valid worldwide, several other items of interest related to the iOS and Mac App Stores have surfaced yest.

<b>News</b> - Elizabeth Edwards Dies at 61 - Celebrity <b>News</b> - UsMagazine.com

John Edwards' estranged wife lost her six-year battle with cancer on Tuesday.


bench craft company scam

Steelers <b>News</b> and Notes: - Behind the Steel Curtain

A few notes and thoughts from the Steelers thrilling Sunday night win over the Ravens, as well as updates on the injury front for the six-time Super Bowl champs.

More App Store <b>News</b>: No Mac App Store Promo Codes, iOS/Mac App <b>...</b>

In addition to today's news that promo codes for applications in Apple's iOS App Store are now valid worldwide, several other items of interest related to the iOS and Mac App Stores have surfaced yest.

<b>News</b> - Elizabeth Edwards Dies at 61 - Celebrity <b>News</b> - UsMagazine.com

John Edwards' estranged wife lost her six-year battle with cancer on Tuesday.


bench craft company scam

Steelers <b>News</b> and Notes: - Behind the Steel Curtain

A few notes and thoughts from the Steelers thrilling Sunday night win over the Ravens, as well as updates on the injury front for the six-time Super Bowl champs.

More App Store <b>News</b>: No Mac App Store Promo Codes, iOS/Mac App <b>...</b>

In addition to today's news that promo codes for applications in Apple's iOS App Store are now valid worldwide, several other items of interest related to the iOS and Mac App Stores have surfaced yest.

<b>News</b> - Elizabeth Edwards Dies at 61 - Celebrity <b>News</b> - UsMagazine.com

John Edwards' estranged wife lost her six-year battle with cancer on Tuesday.


bench craft company scam

Steelers <b>News</b> and Notes: - Behind the Steel Curtain

A few notes and thoughts from the Steelers thrilling Sunday night win over the Ravens, as well as updates on the injury front for the six-time Super Bowl champs.

More App Store <b>News</b>: No Mac App Store Promo Codes, iOS/Mac App <b>...</b>

In addition to today's news that promo codes for applications in Apple's iOS App Store are now valid worldwide, several other items of interest related to the iOS and Mac App Stores have surfaced yest.

<b>News</b> - Elizabeth Edwards Dies at 61 - Celebrity <b>News</b> - UsMagazine.com

John Edwards' estranged wife lost her six-year battle with cancer on Tuesday.


bench craft company scam

Steelers <b>News</b> and Notes: - Behind the Steel Curtain

A few notes and thoughts from the Steelers thrilling Sunday night win over the Ravens, as well as updates on the injury front for the six-time Super Bowl champs.

More App Store <b>News</b>: No Mac App Store Promo Codes, iOS/Mac App <b>...</b>

In addition to today's news that promo codes for applications in Apple's iOS App Store are now valid worldwide, several other items of interest related to the iOS and Mac App Stores have surfaced yest.

<b>News</b> - Elizabeth Edwards Dies at 61 - Celebrity <b>News</b> - UsMagazine.com

John Edwards' estranged wife lost her six-year battle with cancer on Tuesday.


bench craft company scam

Steelers <b>News</b> and Notes: - Behind the Steel Curtain

A few notes and thoughts from the Steelers thrilling Sunday night win over the Ravens, as well as updates on the injury front for the six-time Super Bowl champs.

More App Store <b>News</b>: No Mac App Store Promo Codes, iOS/Mac App <b>...</b>

In addition to today's news that promo codes for applications in Apple's iOS App Store are now valid worldwide, several other items of interest related to the iOS and Mac App Stores have surfaced yest.

<b>News</b> - Elizabeth Edwards Dies at 61 - Celebrity <b>News</b> - UsMagazine.com

John Edwards' estranged wife lost her six-year battle with cancer on Tuesday.


bench craft company scam

Steelers <b>News</b> and Notes: - Behind the Steel Curtain

A few notes and thoughts from the Steelers thrilling Sunday night win over the Ravens, as well as updates on the injury front for the six-time Super Bowl champs.

More App Store <b>News</b>: No Mac App Store Promo Codes, iOS/Mac App <b>...</b>

In addition to today's news that promo codes for applications in Apple's iOS App Store are now valid worldwide, several other items of interest related to the iOS and Mac App Stores have surfaced yest.

<b>News</b> - Elizabeth Edwards Dies at 61 - Celebrity <b>News</b> - UsMagazine.com

John Edwards' estranged wife lost her six-year battle with cancer on Tuesday.


bench craft company scam

Steelers <b>News</b> and Notes: - Behind the Steel Curtain

A few notes and thoughts from the Steelers thrilling Sunday night win over the Ravens, as well as updates on the injury front for the six-time Super Bowl champs.

More App Store <b>News</b>: No Mac App Store Promo Codes, iOS/Mac App <b>...</b>

In addition to today's news that promo codes for applications in Apple's iOS App Store are now valid worldwide, several other items of interest related to the iOS and Mac App Stores have surfaced yest.

<b>News</b> - Elizabeth Edwards Dies at 61 - Celebrity <b>News</b> - UsMagazine.com

John Edwards' estranged wife lost her six-year battle with cancer on Tuesday.


bench craft company scam

Steelers <b>News</b> and Notes: - Behind the Steel Curtain

A few notes and thoughts from the Steelers thrilling Sunday night win over the Ravens, as well as updates on the injury front for the six-time Super Bowl champs.

More App Store <b>News</b>: No Mac App Store Promo Codes, iOS/Mac App <b>...</b>

In addition to today's news that promo codes for applications in Apple's iOS App Store are now valid worldwide, several other items of interest related to the iOS and Mac App Stores have surfaced yest.

<b>News</b> - Elizabeth Edwards Dies at 61 - Celebrity <b>News</b> - UsMagazine.com

John Edwards' estranged wife lost her six-year battle with cancer on Tuesday.


bench craft company scam

Steelers <b>News</b> and Notes: - Behind the Steel Curtain

A few notes and thoughts from the Steelers thrilling Sunday night win over the Ravens, as well as updates on the injury front for the six-time Super Bowl champs.

More App Store <b>News</b>: No Mac App Store Promo Codes, iOS/Mac App <b>...</b>

In addition to today's news that promo codes for applications in Apple's iOS App Store are now valid worldwide, several other items of interest related to the iOS and Mac App Stores have surfaced yest.

<b>News</b> - Elizabeth Edwards Dies at 61 - Celebrity <b>News</b> - UsMagazine.com

John Edwards' estranged wife lost her six-year battle with cancer on Tuesday.


bench craft company scam

Steelers <b>News</b> and Notes: - Behind the Steel Curtain

A few notes and thoughts from the Steelers thrilling Sunday night win over the Ravens, as well as updates on the injury front for the six-time Super Bowl champs.

More App Store <b>News</b>: No Mac App Store Promo Codes, iOS/Mac App <b>...</b>

In addition to today's news that promo codes for applications in Apple's iOS App Store are now valid worldwide, several other items of interest related to the iOS and Mac App Stores have surfaced yest.

<b>News</b> - Elizabeth Edwards Dies at 61 - Celebrity <b>News</b> - UsMagazine.com

John Edwards' estranged wife lost her six-year battle with cancer on Tuesday.


bench craft company scam

Steelers <b>News</b> and Notes: - Behind the Steel Curtain

A few notes and thoughts from the Steelers thrilling Sunday night win over the Ravens, as well as updates on the injury front for the six-time Super Bowl champs.

More App Store <b>News</b>: No Mac App Store Promo Codes, iOS/Mac App <b>...</b>

In addition to today's news that promo codes for applications in Apple's iOS App Store are now valid worldwide, several other items of interest related to the iOS and Mac App Stores have surfaced yest.

<b>News</b> - Elizabeth Edwards Dies at 61 - Celebrity <b>News</b> - UsMagazine.com

John Edwards' estranged wife lost her six-year battle with cancer on Tuesday.


bench craft company scam

Steelers <b>News</b> and Notes: - Behind the Steel Curtain

A few notes and thoughts from the Steelers thrilling Sunday night win over the Ravens, as well as updates on the injury front for the six-time Super Bowl champs.

More App Store <b>News</b>: No Mac App Store Promo Codes, iOS/Mac App <b>...</b>

In addition to today's news that promo codes for applications in Apple's iOS App Store are now valid worldwide, several other items of interest related to the iOS and Mac App Stores have surfaced yest.

<b>News</b> - Elizabeth Edwards Dies at 61 - Celebrity <b>News</b> - UsMagazine.com

John Edwards' estranged wife lost her six-year battle with cancer on Tuesday.


bench craft company scam

Steelers <b>News</b> and Notes: - Behind the Steel Curtain

A few notes and thoughts from the Steelers thrilling Sunday night win over the Ravens, as well as updates on the injury front for the six-time Super Bowl champs.

More App Store <b>News</b>: No Mac App Store Promo Codes, iOS/Mac App <b>...</b>

In addition to today's news that promo codes for applications in Apple's iOS App Store are now valid worldwide, several other items of interest related to the iOS and Mac App Stores have surfaced yest.

<b>News</b> - Elizabeth Edwards Dies at 61 - Celebrity <b>News</b> - UsMagazine.com

John Edwards' estranged wife lost her six-year battle with cancer on Tuesday.


bench craft company scam

Steelers <b>News</b> and Notes: - Behind the Steel Curtain

A few notes and thoughts from the Steelers thrilling Sunday night win over the Ravens, as well as updates on the injury front for the six-time Super Bowl champs.

More App Store <b>News</b>: No Mac App Store Promo Codes, iOS/Mac App <b>...</b>

In addition to today's news that promo codes for applications in Apple's iOS App Store are now valid worldwide, several other items of interest related to the iOS and Mac App Stores have surfaced yest.

<b>News</b> - Elizabeth Edwards Dies at 61 - Celebrity <b>News</b> - UsMagazine.com

John Edwards' estranged wife lost her six-year battle with cancer on Tuesday.


bench craft company scam

Steelers <b>News</b> and Notes: - Behind the Steel Curtain

A few notes and thoughts from the Steelers thrilling Sunday night win over the Ravens, as well as updates on the injury front for the six-time Super Bowl champs.

More App Store <b>News</b>: No Mac App Store Promo Codes, iOS/Mac App <b>...</b>

In addition to today's news that promo codes for applications in Apple's iOS App Store are now valid worldwide, several other items of interest related to the iOS and Mac App Stores have surfaced yest.

<b>News</b> - Elizabeth Edwards Dies at 61 - Celebrity <b>News</b> - UsMagazine.com

John Edwards' estranged wife lost her six-year battle with cancer on Tuesday.


bench craft company scam

Steelers <b>News</b> and Notes: - Behind the Steel Curtain

A few notes and thoughts from the Steelers thrilling Sunday night win over the Ravens, as well as updates on the injury front for the six-time Super Bowl champs.

More App Store <b>News</b>: No Mac App Store Promo Codes, iOS/Mac App <b>...</b>

In addition to today's news that promo codes for applications in Apple's iOS App Store are now valid worldwide, several other items of interest related to the iOS and Mac App Stores have surfaced yest.

<b>News</b> - Elizabeth Edwards Dies at 61 - Celebrity <b>News</b> - UsMagazine.com

John Edwards' estranged wife lost her six-year battle with cancer on Tuesday.


Tuesday, December 7, 2010

tracking personal finances

In the digital age, nobody likes carrying a lot of cash around – I know I don’t, anyway. This can be especially frustrating when you go to keep track of your expenses, who you owe money to, who you lent some to and just where it all goes over the month.

As always, there are a lot of apps out there to help you do various things with your money. There are apps to figure out how to manage your money, oversee expenses, send money to people, keep track of who owes you, and more.

In this article, I’ll show you some of the applications you can take advantage of to do everything I’ve mentioned here, leaving you free to pick and choose the apps that will make your life easier.

id="more-58352">

How to Manage Your Money

I’m beginning to learn just how difficult managing your expenses can be. For the most part, I use my debit card tied to my checking account to make purchases. I use it at the grocery store, when I go out to lunch with my coworkers and on the weekend when I’m out exploring the city.

At the end of the month, my bank statement looks pretty ridiculous. All of these small transactions make it difficult to sift through. I still know what everything is, but if I wanted to see where I could be saving some money I wouldn’t know the first place to look.

Sounds like you? Even if it doesn’t, you could still reap the benefits of visually being able to manage your money. These apps make the process a lot easier.

Mint

style="text-align: center;">

Mint has been on our radar since back in 2007 when Karl wrote about it. Plain and simple, if there is one app I want you to keep in mind it’s this one.

Mint is a free personal finance application that can help you compare your bank accounts, credit cards, CDs, brokerage and 401(k) to the best products out there. It offers a visual representation of your finances and is very easy to set up. Use it to manage your budget, get credit card advice and understand investing.

Here’s a great video showcasing an overview of Mint’s features:

For some helpful tips on how to use Mint, check out Bakari’s article on How To Use Mint To Manage Your Budget & Spendings Online.

Thrive

Thrive (directory app) is also a great application if you’re looking for a simple way to keep track of your spending. With Thrive, you get an overall Financial Health score, which is one number that shows you how financially fit you are. It also shows you scores in other areas and offers you advice on how to make improvements.

style="text-align: center;">

Thrive breaks down your spending for you and shows you where you can save. Compare your current budget to last month’s, as well as view a six month average and target budgets to follow.

Texthog

Looking for an even simpler way to track expenses? Texthog (directory app) lets you easily store, organize and access your receipts, expense reports and more via text message, the web, your email, iPhone and even Twitter.

style="text-align: center;">

A Texthog free account gives one user the ability to track expenses, view unlimited reports and get budget/bill reminders. Take a photo of your receipts and utilize tags and categories to keep track of everything.

To check out Texthog on your iPhone, you can find the application on iTunes.

Venmo

Speaking of text messages, have you heard of Venmo? Venmo (directory app) is a nice little app that lets you pay and charge friends with your phone. Send and receive secure payments by linking your card to your account. This allows you to settle small loans you give/get by eliminating paper transactions for small amounts of money.

style="text-align: center;">

To use Venmo, all you do is create an account. You can then send and receive money to other accounts simply by using text commands in SMS. Accept a “trust” request from your friends and make transactions without having to authorize them by texting a 3 digit code.

This is a pretty solid application that I have been using a lot lately with my friends/coworkers. It’s great for when a bunch of you are out to lunch and not everyone has cash on them. “I’ll just put it on my card and Venmo you all afterwards.”

Owe Me Cash

style="text-align: center;">

Owe Me Cash is a nice app I found recently that is also very easy to use. If someone owes you money, you just sign into Owe Me Cash with your Twitter, Facebook, OpenID, or regular account and tell the app about the debt. The app will send automatic reminders to those that owe you money by phone, text and email, so you can get paid!

This app is more fun than serious, but it doubles as an easy way to keep track of who owes you what. Let the app bug your friends to pay you so you don’t have to do it yourself – it’s a win-win.

Conclusion

With these applications, your finances will never look better. Say goodbye to paper money and change.

What do you think of these money-managing applications? Will you be using any of them?

Image Credit: marema




Recently I wrote that the deficit-cutting projects and media campaigns sponsored by billionaire Pete Peterson all "focus on the same narrow band of options" that "reflect far-right positions," but nevertheless are usually described in the media as "moderate" and "bipartisan."


I received a response from an official at the Peterson Foundation. Out of courtesy, I will not name the person or quote their email in full. The official said that my statement was "patently untrue" and a "mischaracterization." Some of their other statements can be found below, along with my observations about them. My reply to the Foundation then follows:


Foundation: "We strongly believe that Social Security must be preserved and protected. One of the goals of the Foundation is to ensure that this vital program is strong, solvent and secure for future generations, particularly America's most vulnerable populations ... "


Peterson-funded projects have consistently given the impression that Social Security is contributing to the deficit (which it is prohibited by law from doing); that its long-term shortfall must be met primarily by benefit cuts, and only secondarily by revenues; and that it is acceptable to increase tax payments for the wealthy so gradually that it will take forty years for the payroll tax to cover the same percentage of wealth it covered more than twenty years ago.


To be fair, Peterson-funded proposals have recently included modest benefit increases for the lowest-income recipients.


Foundation: "Mr. Peterson's personal views include the need to increase benefits for the poorest Americans receiving Social Security and reduce benefits for the well-off. He has suggested that progressive benefit reforms such as progressive wage indexing, affluence testing and increasing the payroll tax cap be considered."


"Reducing benefits for the well-off" sounds reasonable - until you realize that this billionaire's definition of the "well off" includes people who earned an average of $43,000 per year during their work life. A 20-year-old who earned that average through their work life would see a 17% cut in benefits from one Peterson-backed proposal, and would see a 30% cut if they earned an average of $69,000. Under the Simpson-Bowles plan, even workers who made as little as $20,000 average would see benefit cuts starting in 2040.


As for the truly wealthy who receive Social Security benefits, the problem is that there aren't enough of them to make a difference. Remember, retirement benefits only go up to a certain amount. It sounds reasonable to say that billionaires shouldn't receive a Social Security check (although they've paid for the benefit, too). But when you calculate the number of wealthy people that would be excluded under any reasonable plan, there aren't that many of them. When you add in all the time and expense of identifying them and tracking them (How would that be done? Cross-reference IRS returns and check their bank and real estate holdings?), studies have concluded you'd spend more to find them that you would save by cutting their benefits.


Foundation: "Mr. Peterson and the Foundation have also repeatedly stated that we must consider all viable solutions from across the political spectrum if we hope to meaningfully address our fiscal challenges. As part of this process, the Foundation believes that it will be imperative that wealthier Americans contribute significantly to help stabilize our nation's finances, secure the social safety net and provide critically needed resources for education, research & development and infrastructure."


Nevertheless, a recent Peterson-backed proposal (Rivlin/Domenici) would cut both Social Security benefits and Medicare spending, which would disproportionately harm seniors who are not wealthy. The same plan would also sharply lower the top marginal tax rate, from 35% to 27%, making up the difference with a highly regressive sales tax of 6.5% and percentage limits for tax deductions that would disproportionately benefit the wealthy.


That is a "right-wing" plan by any measure. It's certainly not a plan in which "wealthier Americans contribute significantly to help stabilize our nation's finances."


My response to the Foundation follows:

____________________


Dear X:


Despite your suggestion that my characterization of Mr. Peterson's views is misleading, it seems to me that the consistent themes behind every organization, study, and communications campaign Mr. Peterson has funded have been:



  • An overemphasis on balancing the budget in a time of economic crisis, when stimulus is urgently needed;

  • A failure to note the critical role the banking sector has played in creating today's deficits;

  • The mistaken notion that the country cannot continue to provide the current level of Social Security benefits;

  • A refusal to propose lifting the payroll tax cap to 100%, as polls show the public (including most Republicans) would prefer;

  • A refusal to consider returning to the marginal tax rates which were applied to high incomes in recent decades;

  • Proposals which would delay the process of returning the payroll to its 1980's-era level, when it covered 90% of all income as intended by the Greenspan Commission. (No liberal, that Alan Greenspan!) Some proposals funded by Mr. Peterson would delay this re-stabilization by as much as a half a century;

  • Social Security proposals that give greater weight to benefit cuts than to tax increases;

  • Communication campaigns designed to fuel the misconception that Social Security contributes to the general deficit; and,

  • A desire to convince the public that levels of debt considered manageable in other nations pose a grave threat here.


I agree that long-term deficits are a grave and even critical problem. But these long-term debts are fueled almost exclusively by the truly staggering increases in health care costs that have been projected. Yet the projects funded by Mr. Peterson are notable for their lack of emphasis on health management programs that could contain these costs, as has been accomplished in other developed nations.


I respect Mr. Peterson's accomplishments, which have given him the ability to promote his opinions in many different ways. But these opinions, however legitimate, are normally considered right-wing. The attempt to characterize these conservative views as "bipartisan" has been very successful from a marketing point of view, but has no basis in fact as far as I can see.


Thank you for writing, and best regards -


Richard Eskow


PS: I saw that Mr. Peterson signed the Millionaire's Pledge. That's admirable, and I thank him for it.

_____________________


Note: I have not yet received a reply.




url

Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Nov. 7 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: Goldman Sachs yesterday denied that a fall in Chinese domestic stocks last month was linked to one of its research ...

Foxconn to ship iPad 2 by the end of February 2011

Foxconn Electronics' (Hon Hai Precision Industry's) plants in Shenzhen, China have recently been notified they will ship Apple's iPad 2 within the next 100 days with initial shipments to reach 400000-600000 units, according to sources ...

Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence

The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...



pennismarketing

Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Nov. 7 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: Goldman Sachs yesterday denied that a fall in Chinese domestic stocks last month was linked to one of its research ...

Foxconn to ship iPad 2 by the end of February 2011

Foxconn Electronics' (Hon Hai Precision Industry's) plants in Shenzhen, China have recently been notified they will ship Apple's iPad 2 within the next 100 days with initial shipments to reach 400000-600000 units, according to sources ...

Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence

The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...



manual bench craft company rip off

Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Nov. 7 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: Goldman Sachs yesterday denied that a fall in Chinese domestic stocks last month was linked to one of its research ...

Foxconn to ship iPad 2 by the end of February 2011

Foxconn Electronics' (Hon Hai Precision Industry's) plants in Shenzhen, China have recently been notified they will ship Apple's iPad 2 within the next 100 days with initial shipments to reach 400000-600000 units, according to sources ...

Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence

The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...



bench craft company rip off

Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Nov. 7 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: Goldman Sachs yesterday denied that a fall in Chinese domestic stocks last month was linked to one of its research ...

Foxconn to ship iPad 2 by the end of February 2011

Foxconn Electronics' (Hon Hai Precision Industry's) plants in Shenzhen, China have recently been notified they will ship Apple's iPad 2 within the next 100 days with initial shipments to reach 400000-600000 units, according to sources ...

Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence

The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...



advertising enlargement devices

Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Nov. 7 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: Goldman Sachs yesterday denied that a fall in Chinese domestic stocks last month was linked to one of its research ...

Foxconn to ship iPad 2 by the end of February 2011

Foxconn Electronics' (Hon Hai Precision Industry's) plants in Shenzhen, China have recently been notified they will ship Apple's iPad 2 within the next 100 days with initial shipments to reach 400000-600000 units, according to sources ...

Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence

The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...



advertising enlargment

In the digital age, nobody likes carrying a lot of cash around – I know I don’t, anyway. This can be especially frustrating when you go to keep track of your expenses, who you owe money to, who you lent some to and just where it all goes over the month.

As always, there are a lot of apps out there to help you do various things with your money. There are apps to figure out how to manage your money, oversee expenses, send money to people, keep track of who owes you, and more.

In this article, I’ll show you some of the applications you can take advantage of to do everything I’ve mentioned here, leaving you free to pick and choose the apps that will make your life easier.

id="more-58352">

How to Manage Your Money

I’m beginning to learn just how difficult managing your expenses can be. For the most part, I use my debit card tied to my checking account to make purchases. I use it at the grocery store, when I go out to lunch with my coworkers and on the weekend when I’m out exploring the city.

At the end of the month, my bank statement looks pretty ridiculous. All of these small transactions make it difficult to sift through. I still know what everything is, but if I wanted to see where I could be saving some money I wouldn’t know the first place to look.

Sounds like you? Even if it doesn’t, you could still reap the benefits of visually being able to manage your money. These apps make the process a lot easier.

Mint

style="text-align: center;">

Mint has been on our radar since back in 2007 when Karl wrote about it. Plain and simple, if there is one app I want you to keep in mind it’s this one.

Mint is a free personal finance application that can help you compare your bank accounts, credit cards, CDs, brokerage and 401(k) to the best products out there. It offers a visual representation of your finances and is very easy to set up. Use it to manage your budget, get credit card advice and understand investing.

Here’s a great video showcasing an overview of Mint’s features:

For some helpful tips on how to use Mint, check out Bakari’s article on How To Use Mint To Manage Your Budget & Spendings Online.

Thrive

Thrive (directory app) is also a great application if you’re looking for a simple way to keep track of your spending. With Thrive, you get an overall Financial Health score, which is one number that shows you how financially fit you are. It also shows you scores in other areas and offers you advice on how to make improvements.

style="text-align: center;">

Thrive breaks down your spending for you and shows you where you can save. Compare your current budget to last month’s, as well as view a six month average and target budgets to follow.

Texthog

Looking for an even simpler way to track expenses? Texthog (directory app) lets you easily store, organize and access your receipts, expense reports and more via text message, the web, your email, iPhone and even Twitter.

style="text-align: center;">

A Texthog free account gives one user the ability to track expenses, view unlimited reports and get budget/bill reminders. Take a photo of your receipts and utilize tags and categories to keep track of everything.

To check out Texthog on your iPhone, you can find the application on iTunes.

Venmo

Speaking of text messages, have you heard of Venmo? Venmo (directory app) is a nice little app that lets you pay and charge friends with your phone. Send and receive secure payments by linking your card to your account. This allows you to settle small loans you give/get by eliminating paper transactions for small amounts of money.

style="text-align: center;">

To use Venmo, all you do is create an account. You can then send and receive money to other accounts simply by using text commands in SMS. Accept a “trust” request from your friends and make transactions without having to authorize them by texting a 3 digit code.

This is a pretty solid application that I have been using a lot lately with my friends/coworkers. It’s great for when a bunch of you are out to lunch and not everyone has cash on them. “I’ll just put it on my card and Venmo you all afterwards.”

Owe Me Cash

style="text-align: center;">

Owe Me Cash is a nice app I found recently that is also very easy to use. If someone owes you money, you just sign into Owe Me Cash with your Twitter, Facebook, OpenID, or regular account and tell the app about the debt. The app will send automatic reminders to those that owe you money by phone, text and email, so you can get paid!

This app is more fun than serious, but it doubles as an easy way to keep track of who owes you what. Let the app bug your friends to pay you so you don’t have to do it yourself – it’s a win-win.

Conclusion

With these applications, your finances will never look better. Say goodbye to paper money and change.

What do you think of these money-managing applications? Will you be using any of them?

Image Credit: marema




Recently I wrote that the deficit-cutting projects and media campaigns sponsored by billionaire Pete Peterson all "focus on the same narrow band of options" that "reflect far-right positions," but nevertheless are usually described in the media as "moderate" and "bipartisan."


I received a response from an official at the Peterson Foundation. Out of courtesy, I will not name the person or quote their email in full. The official said that my statement was "patently untrue" and a "mischaracterization." Some of their other statements can be found below, along with my observations about them. My reply to the Foundation then follows:


Foundation: "We strongly believe that Social Security must be preserved and protected. One of the goals of the Foundation is to ensure that this vital program is strong, solvent and secure for future generations, particularly America's most vulnerable populations ... "


Peterson-funded projects have consistently given the impression that Social Security is contributing to the deficit (which it is prohibited by law from doing); that its long-term shortfall must be met primarily by benefit cuts, and only secondarily by revenues; and that it is acceptable to increase tax payments for the wealthy so gradually that it will take forty years for the payroll tax to cover the same percentage of wealth it covered more than twenty years ago.


To be fair, Peterson-funded proposals have recently included modest benefit increases for the lowest-income recipients.


Foundation: "Mr. Peterson's personal views include the need to increase benefits for the poorest Americans receiving Social Security and reduce benefits for the well-off. He has suggested that progressive benefit reforms such as progressive wage indexing, affluence testing and increasing the payroll tax cap be considered."


"Reducing benefits for the well-off" sounds reasonable - until you realize that this billionaire's definition of the "well off" includes people who earned an average of $43,000 per year during their work life. A 20-year-old who earned that average through their work life would see a 17% cut in benefits from one Peterson-backed proposal, and would see a 30% cut if they earned an average of $69,000. Under the Simpson-Bowles plan, even workers who made as little as $20,000 average would see benefit cuts starting in 2040.


As for the truly wealthy who receive Social Security benefits, the problem is that there aren't enough of them to make a difference. Remember, retirement benefits only go up to a certain amount. It sounds reasonable to say that billionaires shouldn't receive a Social Security check (although they've paid for the benefit, too). But when you calculate the number of wealthy people that would be excluded under any reasonable plan, there aren't that many of them. When you add in all the time and expense of identifying them and tracking them (How would that be done? Cross-reference IRS returns and check their bank and real estate holdings?), studies have concluded you'd spend more to find them that you would save by cutting their benefits.


Foundation: "Mr. Peterson and the Foundation have also repeatedly stated that we must consider all viable solutions from across the political spectrum if we hope to meaningfully address our fiscal challenges. As part of this process, the Foundation believes that it will be imperative that wealthier Americans contribute significantly to help stabilize our nation's finances, secure the social safety net and provide critically needed resources for education, research & development and infrastructure."


Nevertheless, a recent Peterson-backed proposal (Rivlin/Domenici) would cut both Social Security benefits and Medicare spending, which would disproportionately harm seniors who are not wealthy. The same plan would also sharply lower the top marginal tax rate, from 35% to 27%, making up the difference with a highly regressive sales tax of 6.5% and percentage limits for tax deductions that would disproportionately benefit the wealthy.


That is a "right-wing" plan by any measure. It's certainly not a plan in which "wealthier Americans contribute significantly to help stabilize our nation's finances."


My response to the Foundation follows:

____________________


Dear X:


Despite your suggestion that my characterization of Mr. Peterson's views is misleading, it seems to me that the consistent themes behind every organization, study, and communications campaign Mr. Peterson has funded have been:



  • An overemphasis on balancing the budget in a time of economic crisis, when stimulus is urgently needed;

  • A failure to note the critical role the banking sector has played in creating today's deficits;

  • The mistaken notion that the country cannot continue to provide the current level of Social Security benefits;

  • A refusal to propose lifting the payroll tax cap to 100%, as polls show the public (including most Republicans) would prefer;

  • A refusal to consider returning to the marginal tax rates which were applied to high incomes in recent decades;

  • Proposals which would delay the process of returning the payroll to its 1980's-era level, when it covered 90% of all income as intended by the Greenspan Commission. (No liberal, that Alan Greenspan!) Some proposals funded by Mr. Peterson would delay this re-stabilization by as much as a half a century;

  • Social Security proposals that give greater weight to benefit cuts than to tax increases;

  • Communication campaigns designed to fuel the misconception that Social Security contributes to the general deficit; and,

  • A desire to convince the public that levels of debt considered manageable in other nations pose a grave threat here.


I agree that long-term deficits are a grave and even critical problem. But these long-term debts are fueled almost exclusively by the truly staggering increases in health care costs that have been projected. Yet the projects funded by Mr. Peterson are notable for their lack of emphasis on health management programs that could contain these costs, as has been accomplished in other developed nations.


I respect Mr. Peterson's accomplishments, which have given him the ability to promote his opinions in many different ways. But these opinions, however legitimate, are normally considered right-wing. The attempt to characterize these conservative views as "bipartisan" has been very successful from a marketing point of view, but has no basis in fact as far as I can see.


Thank you for writing, and best regards -


Richard Eskow


PS: I saw that Mr. Peterson signed the Millionaire's Pledge. That's admirable, and I thank him for it.

_____________________


Note: I have not yet received a reply.




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Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Nov. 7 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: Goldman Sachs yesterday denied that a fall in Chinese domestic stocks last month was linked to one of its research ...

Foxconn to ship iPad 2 by the end of February 2011

Foxconn Electronics' (Hon Hai Precision Industry's) plants in Shenzhen, China have recently been notified they will ship Apple's iPad 2 within the next 100 days with initial shipments to reach 400000-600000 units, according to sources ...

Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence

The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...



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Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Nov. 7 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: Goldman Sachs yesterday denied that a fall in Chinese domestic stocks last month was linked to one of its research ...

Foxconn to ship iPad 2 by the end of February 2011

Foxconn Electronics' (Hon Hai Precision Industry's) plants in Shenzhen, China have recently been notified they will ship Apple's iPad 2 within the next 100 days with initial shipments to reach 400000-600000 units, according to sources ...

Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence

The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...



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Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Nov. 7 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: Goldman Sachs yesterday denied that a fall in Chinese domestic stocks last month was linked to one of its research ...

Foxconn to ship iPad 2 by the end of February 2011

Foxconn Electronics' (Hon Hai Precision Industry's) plants in Shenzhen, China have recently been notified they will ship Apple's iPad 2 within the next 100 days with initial shipments to reach 400000-600000 units, according to sources ...

Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence

The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...



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Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Nov. 7 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: Goldman Sachs yesterday denied that a fall in Chinese domestic stocks last month was linked to one of its research ...

Foxconn to ship iPad 2 by the end of February 2011

Foxconn Electronics' (Hon Hai Precision Industry's) plants in Shenzhen, China have recently been notified they will ship Apple's iPad 2 within the next 100 days with initial shipments to reach 400000-600000 units, according to sources ...

Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence

The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...



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Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Nov. 7 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: Goldman Sachs yesterday denied that a fall in Chinese domestic stocks last month was linked to one of its research ...

Foxconn to ship iPad 2 by the end of February 2011

Foxconn Electronics' (Hon Hai Precision Industry's) plants in Shenzhen, China have recently been notified they will ship Apple's iPad 2 within the next 100 days with initial shipments to reach 400000-600000 units, according to sources ...

Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence

The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...



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Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Nov. 7 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: Goldman Sachs yesterday denied that a fall in Chinese domestic stocks last month was linked to one of its research ...

Foxconn to ship iPad 2 by the end of February 2011

Foxconn Electronics' (Hon Hai Precision Industry's) plants in Shenzhen, China have recently been notified they will ship Apple's iPad 2 within the next 100 days with initial shipments to reach 400000-600000 units, according to sources ...

Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence

The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...



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In the digital age, nobody likes carrying a lot of cash around – I know I don’t, anyway. This can be especially frustrating when you go to keep track of your expenses, who you owe money to, who you lent some to and just where it all goes over the month.

As always, there are a lot of apps out there to help you do various things with your money. There are apps to figure out how to manage your money, oversee expenses, send money to people, keep track of who owes you, and more.

In this article, I’ll show you some of the applications you can take advantage of to do everything I’ve mentioned here, leaving you free to pick and choose the apps that will make your life easier.

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How to Manage Your Money

I’m beginning to learn just how difficult managing your expenses can be. For the most part, I use my debit card tied to my checking account to make purchases. I use it at the grocery store, when I go out to lunch with my coworkers and on the weekend when I’m out exploring the city.

At the end of the month, my bank statement looks pretty ridiculous. All of these small transactions make it difficult to sift through. I still know what everything is, but if I wanted to see where I could be saving some money I wouldn’t know the first place to look.

Sounds like you? Even if it doesn’t, you could still reap the benefits of visually being able to manage your money. These apps make the process a lot easier.

Mint

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Mint has been on our radar since back in 2007 when Karl wrote about it. Plain and simple, if there is one app I want you to keep in mind it’s this one.

Mint is a free personal finance application that can help you compare your bank accounts, credit cards, CDs, brokerage and 401(k) to the best products out there. It offers a visual representation of your finances and is very easy to set up. Use it to manage your budget, get credit card advice and understand investing.

Here’s a great video showcasing an overview of Mint’s features:

For some helpful tips on how to use Mint, check out Bakari’s article on How To Use Mint To Manage Your Budget & Spendings Online.

Thrive

Thrive (directory app) is also a great application if you’re looking for a simple way to keep track of your spending. With Thrive, you get an overall Financial Health score, which is one number that shows you how financially fit you are. It also shows you scores in other areas and offers you advice on how to make improvements.

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Thrive breaks down your spending for you and shows you where you can save. Compare your current budget to last month’s, as well as view a six month average and target budgets to follow.

Texthog

Looking for an even simpler way to track expenses? Texthog (directory app) lets you easily store, organize and access your receipts, expense reports and more via text message, the web, your email, iPhone and even Twitter.

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A Texthog free account gives one user the ability to track expenses, view unlimited reports and get budget/bill reminders. Take a photo of your receipts and utilize tags and categories to keep track of everything.

To check out Texthog on your iPhone, you can find the application on iTunes.

Venmo

Speaking of text messages, have you heard of Venmo? Venmo (directory app) is a nice little app that lets you pay and charge friends with your phone. Send and receive secure payments by linking your card to your account. This allows you to settle small loans you give/get by eliminating paper transactions for small amounts of money.

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To use Venmo, all you do is create an account. You can then send and receive money to other accounts simply by using text commands in SMS. Accept a “trust” request from your friends and make transactions without having to authorize them by texting a 3 digit code.

This is a pretty solid application that I have been using a lot lately with my friends/coworkers. It’s great for when a bunch of you are out to lunch and not everyone has cash on them. “I’ll just put it on my card and Venmo you all afterwards.”

Owe Me Cash

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Owe Me Cash is a nice app I found recently that is also very easy to use. If someone owes you money, you just sign into Owe Me Cash with your Twitter, Facebook, OpenID, or regular account and tell the app about the debt. The app will send automatic reminders to those that owe you money by phone, text and email, so you can get paid!

This app is more fun than serious, but it doubles as an easy way to keep track of who owes you what. Let the app bug your friends to pay you so you don’t have to do it yourself – it’s a win-win.

Conclusion

With these applications, your finances will never look better. Say goodbye to paper money and change.

What do you think of these money-managing applications? Will you be using any of them?

Image Credit: marema




Recently I wrote that the deficit-cutting projects and media campaigns sponsored by billionaire Pete Peterson all "focus on the same narrow band of options" that "reflect far-right positions," but nevertheless are usually described in the media as "moderate" and "bipartisan."


I received a response from an official at the Peterson Foundation. Out of courtesy, I will not name the person or quote their email in full. The official said that my statement was "patently untrue" and a "mischaracterization." Some of their other statements can be found below, along with my observations about them. My reply to the Foundation then follows:


Foundation: "We strongly believe that Social Security must be preserved and protected. One of the goals of the Foundation is to ensure that this vital program is strong, solvent and secure for future generations, particularly America's most vulnerable populations ... "


Peterson-funded projects have consistently given the impression that Social Security is contributing to the deficit (which it is prohibited by law from doing); that its long-term shortfall must be met primarily by benefit cuts, and only secondarily by revenues; and that it is acceptable to increase tax payments for the wealthy so gradually that it will take forty years for the payroll tax to cover the same percentage of wealth it covered more than twenty years ago.


To be fair, Peterson-funded proposals have recently included modest benefit increases for the lowest-income recipients.


Foundation: "Mr. Peterson's personal views include the need to increase benefits for the poorest Americans receiving Social Security and reduce benefits for the well-off. He has suggested that progressive benefit reforms such as progressive wage indexing, affluence testing and increasing the payroll tax cap be considered."


"Reducing benefits for the well-off" sounds reasonable - until you realize that this billionaire's definition of the "well off" includes people who earned an average of $43,000 per year during their work life. A 20-year-old who earned that average through their work life would see a 17% cut in benefits from one Peterson-backed proposal, and would see a 30% cut if they earned an average of $69,000. Under the Simpson-Bowles plan, even workers who made as little as $20,000 average would see benefit cuts starting in 2040.


As for the truly wealthy who receive Social Security benefits, the problem is that there aren't enough of them to make a difference. Remember, retirement benefits only go up to a certain amount. It sounds reasonable to say that billionaires shouldn't receive a Social Security check (although they've paid for the benefit, too). But when you calculate the number of wealthy people that would be excluded under any reasonable plan, there aren't that many of them. When you add in all the time and expense of identifying them and tracking them (How would that be done? Cross-reference IRS returns and check their bank and real estate holdings?), studies have concluded you'd spend more to find them that you would save by cutting their benefits.


Foundation: "Mr. Peterson and the Foundation have also repeatedly stated that we must consider all viable solutions from across the political spectrum if we hope to meaningfully address our fiscal challenges. As part of this process, the Foundation believes that it will be imperative that wealthier Americans contribute significantly to help stabilize our nation's finances, secure the social safety net and provide critically needed resources for education, research & development and infrastructure."


Nevertheless, a recent Peterson-backed proposal (Rivlin/Domenici) would cut both Social Security benefits and Medicare spending, which would disproportionately harm seniors who are not wealthy. The same plan would also sharply lower the top marginal tax rate, from 35% to 27%, making up the difference with a highly regressive sales tax of 6.5% and percentage limits for tax deductions that would disproportionately benefit the wealthy.


That is a "right-wing" plan by any measure. It's certainly not a plan in which "wealthier Americans contribute significantly to help stabilize our nation's finances."


My response to the Foundation follows:

____________________


Dear X:


Despite your suggestion that my characterization of Mr. Peterson's views is misleading, it seems to me that the consistent themes behind every organization, study, and communications campaign Mr. Peterson has funded have been:



  • An overemphasis on balancing the budget in a time of economic crisis, when stimulus is urgently needed;

  • A failure to note the critical role the banking sector has played in creating today's deficits;

  • The mistaken notion that the country cannot continue to provide the current level of Social Security benefits;

  • A refusal to propose lifting the payroll tax cap to 100%, as polls show the public (including most Republicans) would prefer;

  • A refusal to consider returning to the marginal tax rates which were applied to high incomes in recent decades;

  • Proposals which would delay the process of returning the payroll to its 1980's-era level, when it covered 90% of all income as intended by the Greenspan Commission. (No liberal, that Alan Greenspan!) Some proposals funded by Mr. Peterson would delay this re-stabilization by as much as a half a century;

  • Social Security proposals that give greater weight to benefit cuts than to tax increases;

  • Communication campaigns designed to fuel the misconception that Social Security contributes to the general deficit; and,

  • A desire to convince the public that levels of debt considered manageable in other nations pose a grave threat here.


I agree that long-term deficits are a grave and even critical problem. But these long-term debts are fueled almost exclusively by the truly staggering increases in health care costs that have been projected. Yet the projects funded by Mr. Peterson are notable for their lack of emphasis on health management programs that could contain these costs, as has been accomplished in other developed nations.


I respect Mr. Peterson's accomplishments, which have given him the ability to promote his opinions in many different ways. But these opinions, however legitimate, are normally considered right-wing. The attempt to characterize these conservative views as "bipartisan" has been very successful from a marketing point of view, but has no basis in fact as far as I can see.


Thank you for writing, and best regards -


Richard Eskow


PS: I saw that Mr. Peterson signed the Millionaire's Pledge. That's admirable, and I thank him for it.

_____________________


Note: I have not yet received a reply.




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Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Nov. 7 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: Goldman Sachs yesterday denied that a fall in Chinese domestic stocks last month was linked to one of its research ...

Foxconn to ship iPad 2 by the end of February 2011

Foxconn Electronics' (Hon Hai Precision Industry's) plants in Shenzhen, China have recently been notified they will ship Apple's iPad 2 within the next 100 days with initial shipments to reach 400000-600000 units, according to sources ...

Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence

The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...


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Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Nov. 7 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: Goldman Sachs yesterday denied that a fall in Chinese domestic stocks last month was linked to one of its research ...

Foxconn to ship iPad 2 by the end of February 2011

Foxconn Electronics' (Hon Hai Precision Industry's) plants in Shenzhen, China have recently been notified they will ship Apple's iPad 2 within the next 100 days with initial shipments to reach 400000-600000 units, according to sources ...

Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence

The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...



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Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Nov. 7 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: Goldman Sachs yesterday denied that a fall in Chinese domestic stocks last month was linked to one of its research ...

Foxconn to ship iPad 2 by the end of February 2011

Foxconn Electronics' (Hon Hai Precision Industry's) plants in Shenzhen, China have recently been notified they will ship Apple's iPad 2 within the next 100 days with initial shipments to reach 400000-600000 units, according to sources ...

Breaking <b>News</b>: Watch A Gigantic Looping Solar Prominence

The Solar Dynamics Observatory never fails to deliver absolutely stunning images from the Sun: as of 18:49 UT today, the above picture is what the Sun looked like in the ultraviolet spectrum. The prominence that you are seeing looping ...



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