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Strange Stuff. If investors are behaving rationally, there are certain events that should not happen. But they do. Consider, for example, some evidence that stocks will have greater returns on the last few days and first few days of the month. Or the fact that stocks have been known to show lower returns on Mondays.

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With more than 100 spending categories, you can pretty much use AceMoney to budget down to half a cent. You’ll know where each smidgen of your cash is going. And isn’t that what personal finance software is all about? AceMoney also provides other special features and accessories. It can also import data from other software, including Quicken. wxBanker is somewhat bare bones, but some users just want to keep track of their most basic finances and this software has that functionality. For example, if you spent $240 at the grocery, the software will help you keep track of what you bought and the cost of each item. The interface is incredibly clean as a result, and wxBanker does sync with Mint.com, which is a nice touch. It does not handle your small business needs and will not sync with your bank records. However, it will record all of your transactions and includes a built-in calculator.

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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.

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.

A man stresses about finances. The adjusted balance method starts with the balance at the beginning of the billing cycle and subtracts any payments you made during the billing cycle. Purchases are not included in the balance. Out of all the ways to calculate finance charges, this method results in the lowest finance charge, but not very many credit card issuers use it. The average daily balance method uses the average of your balance during the billing cycle. Each day’s balance is added together and divided by the number of days in the billing cycle. New charges are sometimes excluded in the calculation of the average daily balance. This is the most common way finance charges are calculated.

Making the most of your money and budgeting it properly plays a key role in financial success, and the right personal finance software can help you get there. Unlike Windows or Mac, Linux is one of the most reliable and efficient computer operating systems available. It keeps your personal financial information secure by protecting it against viruses, malware, and loss of data. Linux is an efficient, problem-free platform for both your desktop and server that supports different types of personal financial management software for users. The software has various features and accessories that can perform basic as well as advanced functions.

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