These include: Attention Bias: There is evidence suggesting that people will invest in companies that are in the headlines, even if lesser known companies offer the promise of better returns. Who among us hasn’t invested in Apple or Amazon, simply because we know all about them? National Bias: An American is going to invest in American companies, even if stocks overseas offer better returns. Underdiversification: There is a tendency for investors to feel more comfortable holding a relatively small number of stocks in their portfolio, even if wider diversification would make them more money.
Depending on what you expect from your personal finance software, AceMoney can take the place of Quicken, Microsoft Money, and other titles. What’s missing in AceMoney is the ability to download transactions from all major financial institutions and online bill pay. The investment reporting could be stronger, but the multiple currency support is good. Another strong point is the online user community that’s available for getting help, although the help feature in the software explains how to use all features quite well.
If your credit card issuer uses the average daily balance method to calculate your finance charge (check your credit card statement or terms and conditions to confirm), you can use these instructions to estimate your finance charge. You’ll need to have an idea of what your average credit card balance will be. Your credit card agreement may include a minimum finance charge that’s charged anytime your balance is subject to a finance charge. For example, your credit card terms may include a $1.00 minimum finance charge. If your calculated finance charge for a particular billing cycle is only $.65, you’ll be charged a $1.00 finance charge for that month.
Where to Find Your Finance Charge. You’ll see your finance charge listed in several places on your monthly credit card billing statement. On the first page of your billing statement, you’ll see an account summary listing your balance, payments, credits, purchases, and the finance charge, which may also be referred to as an ”interest charge.” In the breakout of transactions made on your account during the billing cycle, you’ll see a line item for your finance charge and the date the finance charge was assessed.
This popular app has a lot of fans, and it runs on Linux systems courtesy of Adobe AIR, a platform that allows for You Need a Budget’s slick look with easy-to-read graphic qualities. YNAB is great for anyone who’s really into keeping tabs on their budget, and it’s the budgeting software to check out for anyone who wants to get started with budgeting. It offers some great options for support, and for learning about budgeting and living within your means.
Complete Idiot’s Guide to Managing Your Money. Don’t be offended by the title. This plainly written book shows that anybody can learn to manage their money effectively, and is full of consumer tips, advice on mortgages, debt, mutual funds, auto loans, bank fees, credit cards, and other money-related matters. The book, written by expert financial columnist Robert K. Heady and financial writer Christine Heady, has already gone through four editions and sold millions of copies.
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