Best Visuals: Mobills. Mobills organizes your expenses in categories so you can track your spending is progressing toward your budgeted amount. See the amount you have remaining to spend in each budget category so you can rein in your spending as needed. The budget planning app includes interactive charts that allow you to analyze your financial life; you can use them to make adjustments as you need to reach your larger financial goals. Add your credit cards to the app so you can see your current balance and spending limits all in one place. You can add all your bills and due dates to keep track of when your bills need to be paid. The free version of the app has limited functionality while upgrading to the premium version will give you full access to all the app’s features.
The interface is clean, but perhaps a little too clean. There are no icon buttons for frequently used features. All commands are done from the File, Edit, or another menu. But the online documentation is understandable, so this is definitely worth a try if you want personal finance software with bare-bones features. It’s released as Open Source Software, designed specifically for use with Linux. AceMoney for Linux offers a variety of personal finance reports plus budgeting, investment tracking, and e-commerce features. It imports account transactions from most financial institutions using QIF or OFX downloads, and it supports over 150 currencies. It automatically downloads exchange rates via the internet.
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There is no rational explanation for these occurrences, but they can be explained by human behavior. Consider the so-called, “January effect” which suggests that many stocks outperform during the first month of the year. There is no conventional model that predicts this, but studies show that stocks surge in January because investors sold off stocks before the end of the year for tax reasons.
Motley Fool’s You Have More Than You Think. The creators of one of the most popular financial stock market sites, www.fool.com, brothers Tom and David Gardner also wrote the New York Times Bestseller You Have More Than You Think. The Gardner brothers’ book aims to show how even inexperienced investors can invest the smallest amounts of money and still make a profit. Their far-from-foolish advice includes how to reduce your debt and find money to invest, how to find the best investments, how to manage your 401(k), and more. As with most of their writing, this personal finance book is a fun and easy to read.
How It Can Help You, If you want to become a better investor, you will want to become less human. That sounds harsh, but it will benefit you to take stock of your own biases and recognize where your own faulty thinking has hurt you in the past. Consider asking yourself tough questions, like, “Do I always think I am right?” or “Do I take credit for investment wins and blame outside factors for my losses?” Ask, “Have I ever sold a stock in anger, or bought a stock based on a simple gut feeling?” Perhaps most importantly, you must ask yourself whether you have all of the information you need to make the right investment choices. It’s impossible to know everything about a stock before buying or selling, but a good bit of research will help ensure you’re investing based on logic and objective knowledge rather than your own biases or emotions.