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Cockiness: Investors want to believe they are good at what they do. They aren’t likely to change investment strategies, because they have confidence in themselves and their approach. Similarly, when things go well, they are likely to take credit when it fact their good results come from outside factors or sheer luck.

Credit cards give you the ability to make purchases today and pay for them later. If it takes you longer than a month to pay off your balance you’ll pay a fee in the form of a finance charge. Paying finance charges increases the cost you pay for having a credit card, even moreso if you never fully pay off your balance. You can avoid finance charges on almost all credit cards, but it’s all about the timing and amount of your credit card payment.

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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.

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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