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.
Online Personal Finance Software. You can always try online personal finance software if you’re not completely satisfied with your Linux personal finance software experience. Web-based financial software is being actively developed by many competitors, and most of them offer free personal finance software. Most online personal finance software will run in Firefox for Linux.
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.
You’ll be charged a finance charge whenever: the transaction isn’t made under a 0% interest promotion you had a balance at the beginning of the billing cycle the transaction doesn’t receive a grace period, usually cash advances. Any billing errors that you’ve disputed in writing won’t be assessed a finance charge while your credit card issuer investigates your dispute.
How to Avoid a Finance Charge. Since finance charges are the credit card issuer’s way of charging you for carrying a balance, the simple way to avoid finance charges is to not carry a balance. Paying your credit card balance in full every month will prevent your credit card issuer from adding a finance charge to your balance.
Best for Managing Subscriptions: Clarity Money. Clarity Money. Courtesy of Clarity Money. More and more companies are moving to subscription models. In the process, it’s easy to lose track of subscriptions you’ve signed up for. Clarity Money aims to help you stop throwing away on unused subscriptions by helping you uncover and cancel subscriptions you’re not using. On top of getting rid of extra subscriptions, the app analyzes your spending behavior and gives you recommendations to improve your financial health. Clarity Money allows you to make regular savings deposits and attach a goal to your savings. You can even create several savings funds with different goals. Your savings deposits are helped at an FDIC-insured bank and are insured up to $250,000. Stay on track with your monthly budget by showing how much you’ve already spent – provided you’ve linked your debit and credit cards. You’ll also get access to your free VantageScore credit score by Experian.
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