Posts Tagged Finance
It’s coming down to the time for us procrastinators to either suck it up and do our taxes or file an extension. Taxes, and finance in general, are not the most exciting of tasks. And on a yearly basis, I seem to wait until the last minute to get this done (just did mine today). When taxes and finance are put into app form, they can be a little less boring. Check out our four favorite tax season apps for taxes and generally being in a better mood about finance and budgeting.
Tax Receipt Log: The most important thing about finance apps is speed and organization. Tax Receipt Log makes the process of saving receipts both quick and organized. Users snap a picture of the receipt, enter an amount, and tag it under a category. Text and voice notes can also be added to the entries. And when tax season comes around, all of the expenses can be exported as a spreadsheet and sent out via email. It may be a little late to organize receipts in this way this year, but now’s a great time to start for next tax season.
Released: 2011-03-31 :: Category: Finance
CoinKeeper: This is a recent favorite of mine and we even awarded it an Editor’s Choice award here at 148Apps. CoinKeeper does what most finance and budgeting apps fail to do, it makes the process of entering all transactions into an app make sense. CoinKeeper has a beautiful and unique interface. The motion of dragging a coin from an income to an account and from an account to a budget just simply makes sense. It’s a quick motion and is intensely visual. Seeing a monthly budget in terms of colors and coins filled up by percentage is exactly what I need to keep my money in check. Anyone serious about their budgeting absolutely must have this app.
Released: 2011-10-17 :: Category: Finance
PocketMoney: I reviewed this one back in 2009. Like CoinKeeper, PocketMoney is a way to keep track of all transactions through the year. It has budgeting options, multiple accounts, and everything most would need out of a budgeting app. There are even advanced options like category splitting which allows users to put parts of a transaction in one category and other parts in another (like buying a DVD while grocery shopping… partially in entertainment and partially in food). Unlike CoinKeeper, PocketMoney doesn’t have a unique and revolutionary interface. It has the more traditional iOS interface with simple rows of transactions and bottom buttons. I would suggest this one for users that can’t get attached to the CoinKeeper interface.
Released: 2008-07-11 :: Category: Finance
Mint.com: Mint is a service that helps users track all of the information that PocketMoney and CoinKeeper need inputted manually. Mint keeps track of accounts and transactions automatically and does its best to sort the transactions into categories. Budgeting is fairly easy with Mint but the automation isn’t exactly perfect. Transactions will sometimes be categorized in the wrong place and need to be manually fixed. Also, Mint doesn’t work with all banks. Billy Miller, who reviewed Mint on 148Apps back in 2009, had some trouble with the app supporting small banks and credit unions, “A lot of people who prefer small banks or credit unions will probably run into the same situation.”
Bump Technologies, developer of popular information sharing app, Bump, has just released Bump Pay, a PayPal-based solution to checks, cash, and IOU’s between friends.
As simple as sharing information like contacts and photos with Bump, Bump Pay allows users to make and receive payments via PayPal by “bumping” their iPhones together. No setup for Bump Pay is necessary. An existing PayPal account is all it takes to sign into Bump Pay. There isn’t even a transaction fee for using Bump Pay. If the PayPal account is linked to a checking account, the transaction is free.
Bump Pay was actually a tool the developers of Bump made for personal use to settle things like going out to lunch when someone didn’t have cash. But everyone loved the app so much that they decided to release the app in the App Store.
Bump Pay is free to download and free to use. PayPal users have no excuse not to check it out.
On a regular basis, we’re bombarded with concerns regarding identity theft worries and how best to keep sensitive information safe. Recently released onto the App Store is an app that sets to calm those worries, all in a simple, portable way.
AllClear ID sets out to alert users whenever there’s a report that criminals may have accessed their accounts. Bank accounts, credit cards and even the user’s Social Security number are all monitored through the AllClear service.
Besides tracking such useful things, AllClear ID also offers a number of ways to protect the user’s identity, such as the option to order a credit report or reduce junk mail. Security alerts come through either as a phone call or alert message with the option to connect to one of AllClear ID‘s investigators for assistance.
For the security conscious, AllClear ID is sure to set a few minds at ease. Even better, it’s free to use although there is a Pro service available for $14.99, although it’s far from essential.
AllClear ID is out now.
It’s no longer a matter of if you’ll be taking care of all your financial transactions via smartphone, but when. And now that we’ve seen the Geode we’re thinking that day might be arriving very soon. The smart wallet, which is also a phone case, may be the most sophisticated, useful smart wallet ever created, and we’re awaiting its launch with baited breath.
First off, Geode isn’t tied to just one credit card or online service, but rather allows users to scan all their credit cards, loyalty cards and more right into the case’s companion app. The process is painless, using the included reader to swipe cards with magnetic strips or the iPhone’s built-in camera to snap the barcode of loyalty cards. From there, using your cards is as simple as tapping on the one you want, the e-ink reader on the Geode displays the barcode for scanning by merchants, and if you need a physical card you can pull the Geode card out of the case, which is temporarily loaded with your chosen credit card’s info.
Most important of all the Geode is secure, utilizing a biometric fingerprint scanner to ensure that you and you alone have access to your credit cards. So now, even if your virtual wallet is stolen there’s no threat of the bad guys going on a shopping spree.
The Geode will go on sale soon at a somewhat steep price of $199. Those who want to get in early and get a discount though can head over to the product’s Kickstarter page and pre-order a Geode, along with a few other goodies. So, who’s up for grabbing what may be a potentially revolutionary device?
We’ve all used the old fashioned clunky cash drawer in a store, but how about a future where this expensive and heavy item is no longer needed? The release of Square Register has made that a bit more likely, thanks to the app’s ability to accept card and cash payments via an iPad.
Square Register is ideal for the small business owner. Once the user signs up to the service, they’re provided with a free Square Card Readee. With a compatible cash drawer and receipt printer, it’s possible to take cash payments at a tap of a button. While card payments invoke a fee of 2.75% a transaction, cash payments are free to take making this an ideal app for those business owners dealing with small yet regular sums of cash.
It’s quick to sign up for, as well. Numerous analytical services are then made available so that the user can track their sales, what times of day are their busiest, how many tips have been accrued, and even tax-based inquiries.
It’s possible to keep track of what items have been sold and for how much, as well as create a loyalty program for customers. Electronic receipts can be provided instantly via SMS or email, but paper receipts are still an option.
It’s all very clever stuff and a great space and money saver for the business owner.
The Square Register app is available now for free.
Now I’ll admit that I don’t do much driving nowadays because I use mass transit (i.e. the subway), but I did drive a lot once upon a time. And it was quite the pain to deal with all of the extraneous annoyances like traffic, insurance, and gas. Guess which of those problems Gas Logs addresses?
The latest app from JAS Appications allows users to track their mileage, their spending, etc… All manner of values can be adjusted to fit a user’s region, including gallons/liters, and a number of different currencies. Of course, it just wouldn’t be a JAS Applications app if it didn’t also include a super-useful GPS feature. Which it does. Yup, as expected Gas Logs can do all this in addition to finding nearby gas stations by using the iOS device’s built-in GPS.
Again, someone like myself who doesn’t even own a car won’t have much use for it but there are billions of people out there who drive, and at least millions who own an iPhone. Chances are good that there’s a decent market for something like this.
With the likes of contactless payment changing the way that people can pay for their goods, it’s surely only a matter of time before cash and even credit or debit cards are eradicated. Card.io payments goes some way to bridging this gap by using the iOS camera to enable card payments.
Card.io payments is simple to use. Just hold a credit card in front of the camera and all relevant information is scanned automatically with the payment processed shortly afterwards. The company behind the app, Lumber Labs, promises that everything is safe and secure thanks to no information being stored and any communication is protected with high-grade encryption.
No setup fees are required or monthly subscriptions. Instead pricing is 3.5% of plus 30 cents per transaction, with earnings paid out on a 7 day rolling basis. It’s simple and effective to use, whether that be with a small transaction between friends or with something more substantial.
The Card.io payments app is available now for free with fees applying when used.
Mint.com is a service that I wish would come over to the British shores. For now though, I’ll just gaze longingly at how the already excellent personal finance app has now been optimized for the iPad and improved upon.
Built with the iPad and iOS5 in mind (which is now a requirement to install Mint.com Personal Finance), the overview screen has been redesigned so that users can quickly get a snapshot of their finances as well as the latest alerts and bill reminders. Cash and pending transactions can be entered to ensure the most accurate view of the user’s finances, plus detailed transactions are viewable. Multi-touch graphs make everything easy to understand, particularly for those who work best with visual imagery, so its users always know where their money is going.
It’s a sizeable enough update that re-establishes Mint.com Personal Finance‘s position as a great app for all US and Canadian users in their quest to keep an eye on their finances. It’s out now.
Sharing expenses is often a touchy subject, even among friends. No one wants to pay too much, but they also want to make sure everything is split evenly. And this is exactly the kind of situation iOmoney was created to handle.
Originally a Palm OS and Pocket PC application, iOmoney has finally made its way on to the App Store. With it, users can track the expenses of their entire group and see exactly who owes what to whom with a couple of taps. If five friends (three singles and one couple) go on a trip together, each group transaction can be entered into the app for easy tracking. Along with basic costs, each bill can be marked as payed (or partially paid) by any individual in the group with debts calculated automatically. So if “Helen” picks up the check for dinner, iOmoney will be able to tell exactly how much each of the others owes her.
An example provided by the developer can be found here, but it’s not a necessity. iOmoney is pretty easy to figure out through a bit of experimentation. Tap to add, type in a few values, occasionally check the Debts & Balances tab to see how it’s all being split. Easy stuff.
iOmoney is available on the App Store right now in both a full ($4.99) and lite (Free) version. Anyone who finds themselves out with friends a lot would do well to try it out.
Released: 2011-07-20 :: Category: Finance
Released: 2011-07-20 :: Category: Finance
If you're down with its asking price, Pageonce Pro is an app which organizes and tracks your hard-earned green and belly-aching bills. It allows users to see their bank account information, credit cards, bills and investments, collectively, all on one screen. It further allows you to control your money, bill-paying, etc. and sends you real-time alerts/reminders regarding any/all of your accounts.
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If you're a Mac user, Squirrel 2 is an excellent iPhone app for keeping track of your spending. It supports budgets and multiple accounts, and syncs wonderfully with the Mac application. Windows users, however, will be disappointed by Squirrel for iPhone as a stand-alone app.
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I’ll be honest: I’ve never had to fill out an expense report. Still, the name alone conjures up horrific promises of tedium, hassle, and frustration; who wants to manually keep track of receipts and the like?
ProOnGo’s latest app, ProOnGo Expense, aims to bring time-saving smartphone goodness to expense reports. The app’s main feature is a “receipt reader”—take pictures of your receipts, send them to ProOnGo’s servers, and they’ll convert the images into text and send that data back to your app. Instead of manually punching in numbers, you can just take pictures of the receipts. ProOnGo Expense can also calculate mileage on a trip, using the iPhone’s GPS functionality.
Once you have all your expenses documented, you can finish off your expense report. ProOnGo Expense can export in a variety of data types, including .XLXS (Excel 2007), XML, and QuickBooks Online.
Though the app is listed as free, you’ll need a subscription after using your first 10 Receipt Reads. Subscriptions range from $0.99 to $4.99 per month. For three bucks a month you get 30 Receipt Reads and unlimited Expense Reports. ProOnGo also has another app, ProOnGo Business Card Reader, which utilizes the same general process…take a photo, have the company’s servers analyze it, and then receive the text. If you have unused Receipt Reads from your subscription, you can use them with the Business Card Reader, too.
Oh, and if you’re not completely dedicated to the iPhone? ProOnGO Expense is available on Android, Blackberry, and Windows Mobile phones, too. Be sure to watch the video to see ProOnGo in action!
iCompta is a powerful finance app that provides tons of functionality for the price. It's a safe bet that this app can help any of those trying to rope in their spending, as long as they have access to wifi and a bank account.
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Oh, infaltion, thou art a wretched beast. A dollar fifty years ago is not the same as a dollar today—just look at the concept of a dime store to tell you that much. DimeTravel is the app to tell you exactly how your money has changed over time. Here’s the developer’s take on a typical usage scenario:
You’re watching an old episode of Columbo on a lazy Sunday afternoon. An episode from 1976. He gets a haircut and it costs him $25. He is shocked with the cost. You open up DimeTravel and ask it how much $25 from 1976 would be today. (answer = almost $100 – NOW i can feel poor old Columbo’s pain).
Pretty staggering, no? Of course, the app can calculate things the other way around, too. Here are a few samples for your amusement, with the numbers taken from this site:
- Coffee cost $1.11/lb in 1954…which is $14.47 today!
- A car (a Henry J, to be precise) for sale in New Jersey in 1950 was listed at $1,299…which is a whopping $27,771 today.
- $1 bought you two large bottles of Clorox Bleach in 1970…that would be $9.55 today.
- Someone needed an accountant and was willing to pay a $9,000 annual salary in 1970…or $85,942 in today’s money!
Conversely, if you take modern numbers and change them:
- A $60 video game would sell for a paltry $4.92 half a century ago,
- and that $200 you spent on your iPhone 3GS would have been just $153 back in 2000.
Playing with numbers is always fun. Sadly, DimeTravel only goes back to 1948 for us Americans. I don’t know why—Wolfram Alpha can handle prior centuries just fine—but even with the current data, it’s still nifty to look at these numbers! And you can look at them, too, because DimeTravel displays the path of inflation as a nice graph. If you’re a sucker for realizing how transient your money is, go ahead and give DimeTravel a look. And more importantly, invest your remaining money wisely, because if you leave it under your mattress, it’s likely to vanish into grasp of good ol’ inflation.
Do you remember the billionth app downloaded on the App Store? It was Bump, a free app that lets you swap pictures and contact info by bumping two iPhones together. The concept was simple, the app was cheap, and lo and behold: people like gimmicks. For a while, Bump was a chart-topper.
PayPal has long had a free app on the App Store, which provided mundane features like managing your PayPal account. (Who needs that?) But recently, they added a new feature: just like Bump, PayPal’s app now allows you to exchange things by simply bumping phones. The difference is that PayPal lets you actually exchange money with the person you’re bumping phones with.
It looks like a gimmick on the surface, but the feature is actually pretty useful. If you’re using an iPhone and have a PayPal account, you can download the app from anywhere and quickly complete a transaction. The process is painless, requires no exchange of information, and it’s free. What more could you want?
It’s a neat feature, that’s for sure. I can just see it now: instead of paying the normal way, you’ll bump fists with an iPhone clenched in your fingers. Passersby will stare in bafflement, but that’s okay—because you’ll know that you’re at the cutting-edge of technology. Yeah, you could pay for stuff in cash, but this is the twenty-first century!
Yeah, it’s silly, but it’s still cool. And there’s nothing wrong with that. If you have a PayPal account, it’s probably worth downloading the free app just to manage your account and check your balance. And, hey, if the opportunity arises…bump-money-transfers are the way to go.
MoneyBook makes it possible for anyone, regardless of expertise, to easily and effectively track and monitor their spending habits. The simplistic interface creates an easy to learn environment streamlines the use of this app.
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Yesterday Apple announced its quarterly financial earnings for Q1 2010 which ended on Dec 26th 2009, calling it a “Record Breaking” first quarter. In fact, the company reported it turned over $15.68 Billion in revenue, managing to sell a staggering 8.7 Million iPhones which saw a 100% unit growth, 3.36 Million Macintosh computers which saw a 33% increase over last quarter, and finally reporting it had sold just 21 Million iPods which represented a slight decline of 8% in unit growth.
In a press release statement posted on Apple.com, Steve Jobs CEO commented that Apple has now become a $50 Billion company, and looking forward to future product announcements (Ahem .. Tablet) and gearing up for the fiscal quarters that lie ahead, he doesn’t see that slowing down anytime soon.
“If you annualize our quarterly revenue, it’s surprising that Apple is now a $50+ billion company. The new products we are planning to release this year are very strong, starting this week with a major new product that we’re really excited about.”
If this report suggests anything, it shows that despite the economic climate of 2009 and early 2010, Apple has boatloads of tenacity, managed to battle through it all, and is seeing, once again, a record breaking quarter in unit sales, especially in regards to its popular iPhone product line.