The Millionaire Next Door. In this newly updated book, authors Thomas J. Stanley, Ph.D. and William D. Danko, Ph.D. attempt to debunk the myth that most American millionaires have inherited their wealth. They even go as far as to identify seven common traits that are shared among many of those who have accumulated significant wealth. By demonstrating how hard work and smart investing have made millionaires out of average Americans, this book shows us that we too can be among the ranks of the wealthy. The book makes for a very interesting and motivating read.
The Best Finance Magazines That Cover Personal Finance. Kiplinger: I think Kiplinger offers some of the best practical, no-nonsense and objective personal financial advice you can find. For example, they pick their top 25 mutual funds every year, and at the end of the year they objectively compare their picks to an equivalent portfolio of index funds and publish the results, which often show that the index funds outperform. Kiplinger offers monthly magazine subscriptions broken into specific topics as well as the Kiplinger Letter and the Kiplinger Tax Letter which come out weekly. They also have the Kiplinger Retirement Report.
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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.
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?
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.