KMyMoney supports investment accounts and can retrieve online stock quotes. Personal finance reports can be configured in a number of ways, and KMyMoney widgets can be installed to add further functionality, such as a pop-up calculator and date selection calendar. The interface looks clean, and it’s easy to navigate and less dated than some of the other personal finance options for Linux. There’s even a nifty account setup wizard. KMyMoney’s online user manual is an excellent resource that takes you step-by-step through all of its features. They’re not as numerous as those offered by GNUCash—it doesn’t have a classification function, for example—but if you don’t need all of those features, why pay for them?
A word of caution, however: YNAB was initially designed for Mac and Windows, and then Linux users alerted the company that it also was working fine on their operating systems. Some bugs were subsequently reported. They’ve been fixed, and yes, the software will work for you, but YNAB won’t guarantee its performance. GnuCash for Linux sports a rather plain-looking interface, but it still has a good feature set, including online stock quotes and multiple currency support.
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Accounting for Anomalies. The human psychology is complex, and it’s obviously impossible to predict every irrational move investors might make. But, those who have studied behavioral finance have concluded that there are a number of thought processes that push us to make less-than-perfect investment decisions.
If, for some reason, your minimum payment is less than your finance charge, paying the minimum will result in a bigger, not smaller, balance. Can You Lower Your Finance Charge Amount? Since your finance charge is based on your interest rate and credit card balance, you’ll pay higher finance charges when these amounts are high. You can reduce the amount of interest you pay by paying off your balance faster, requesting a lower interest rate, or by moving your balance to a credit card with a lower interest rate. You can also avoid finance charges altogether by paying your entire balance before the grace period ends. If you pay your balance in full each month, you’ll avoid finance charges completely.
As a result of these faulty assumptions, conventional finance models don’t have a perfect track record. In fact, over time, academics and finance experts began to notice anomalies that conventional models could not explain.