Wednesday, August 25, 2010

personal finance budgets


Now that Wesabe is officially closed, many users are looking for an alternative that offers the same flexibility and features -- for many this alternative is, or should be MoneyStrands.



MoneyStrands is a free tool that has helped people manage their money online since it launched in March 2009 -- and in short order has won a Webby award for the best of the web in the banking and bill-pay category. This honor is no surprise when you consider that MoneyStrands offers features you won't find in many competing tools such as Mint.



Like all modern personal finance tools, MoneyStrands can connect to a large number of banking and financial institutions, but unlike most competitors gives users the ability to manually upload their account data. This option is a must-have for those who don't want to give their login info to a third party, or who bank at a smaller bank or credit union that personal finance tools cannot connect to for automatic updates.



MoneyStrands also sets itself apart from the competition because it is designed to make it easy for international and non-English speaking users to use the tool. The MoneyStrands website can be viewed in both English and Spanish with a toggle in the settings and users can choose their preferred currency from a long list. According to MoneyStrands, consumers use the service in 44 countries.



These features supplement the standard account linking and money management that the MoneyStrands tool handles well. Users can view spending and account history in one location as well as compare spending in categories such as shopping, food & dining and more to see how they stack up to the rest of the community. Filters allow you to compare yourself to other members based on age, gender, marital status, education and other variables.



MoneyStrands also has a budgeting tool that tracks spending and sets email alerts when a budget category reaches a certain level so spending can be put in check. The tool is fairly simple and requires users to figure out their own goals, but Atakan Cetinsoy, General Manager of MoneyStrands told WalletPop in a phone interview that an improved budgeting tool that walks users through the process is coming in the next few months.



MoneyStrands is easy to use and offers significant value to users; especially those who can't or don't want to link their accounts directly to a third-party service.



Some Republicans and Democrats can get their heads together now and then.



When I had the privilege of working for Senator Jeff Bingaman (D-NM) in the US Senate, I had just moved over from serving as founding Executive Director of the Nixon Center for Peace & Freedom, later renamed (thankfully) "The Nixon Center".



Senator Bingaman at the time, along with his chief of staff Patrick Von Bargen, were asking key questions about the structure of international trade and finance and why such large bilateral deficits were building between the US and respectively Japan and China. University of Chicago-trained neoclassical economists regularly parroted the line that bilateral deficits were "meaningless" and would be balanced out over time with other global trade partners -- and would on a bilateral basis rise and fall, appearing and disappearing in a highly fluid global economic environment.



Bingaman's and Von Bargen's questions then are even more relevant today -- and given the time on the clock since, it's clear that the economists who argued that deficits were meaningless or that a job is a job is a job -- whether working as a wallet maker or a nano-technology app developer -- were wrong.



But Jeff Bingaman, even though skeptical about how the global economy was working in real rather than ideological terms, never turned his back on international engagement. In 1996, Bingaman, Von Bargen and I traveled to Japan, South Korea, China, and other parts of Asia. This, then, was an annual trip supplemented by his personal trips to Guatemala and trips to Europe, Russia and more. Bingaman, now Chairman of the Senate Committee on Energy, remains deeply engaged and interested in international affairs.



And while most Senators and Congressman make a point of pushing 95% of their available press time towards the Bartlesville news outlet (in the case of Oklahoma) over the demands of the Yomiuri, Le Monde, Al Jazeera, or the People's Daily, Bingaman is one that does make time for international media.



The Nixon Center as well was stacked with big personalities who were then and remain deeply committed to America's engagement in global affairs. While the Nixon Center is actually fastidiously non-partisan and has key Dems and Republicans engaged with it, it's hard to hide all of its Republican stripes when in fact the institution's inspiration and founder was a powerful two-term winning Republican President of the United States.



My point is that there are Democrats and Republicans -- lots of them -- committed to robust international engagement, to smart foreign aid, and to coherent and sensible U.S. international public diplomacy.



But just as when I worked for Bingaman in the Senate and there were some Democrats and more Republicans who looked at having a passport as a political liability, many in the Tea Party movement are a manifestation of a similar pugnacious nationalism that disdains international institutions and US engagement abroad.



One of the major bipartisan NGOs committed to internationalism in Washington is the U.S. Global Leadership Coalition. I attended the USGLC's gala dinner last year featuring NBC's Andrea Mitchell and Secretary of State Hillary Clinton.



But the guy who really impressed me was the charismatic Republican Congressman from Illinois, Aaron Schock -- who went on stage and made a case as strong as any liberal internationalist I have heard for the hard core national interest reasons that the U.S. should support global affairs and engagement -- and yes, foreign aid budgets.



Aaron Schock is a serious player on the way up -- and too many are distracted by his better than average looks and youth. I didn't support his approach to Honduras (for the most part) that he seemed to have jointly worked out with Senator Jim DeMint -- but that is beside the point. Schock is thinking hard about smart policy, not just coasting with his new found power and privileges in Washington.



If the USGLC can bring Hillary Clinton and the Republican House Deputy Whip together to sing from similar playbooks, then I have time for this private sector initiative to promote public support for international engagement.



If you are in DC (and if not, I am sure that there will be "live streaming" that I will arrange to have run here at TWN), you might want to attend the annual USGLC 2010 Washington Conference (registration information here) that takes place September 28-29, 2010 at Washington's Grand Hyatt.



I would support this meeting whether I was speaking or not -- but I happen to be on the program along with NBC Meet the Press' David Gregory, Under Secretary of the Treasury Lael Brainard, US AID Administrator Rajiv Shah, U.S. Trade Representative Ron Kirk, and the indefatigable Joshua Rogin -- who writes Foreign Policy's "The Cable".



-- Steve Clemons publishes the popular political blog, The Washington Note. Clemons can be followed on Twitter @SCClemons








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Mediate's Colby Hall has a new report today claiming that progressive media watchdog group Media Matters was never "serious" about putting up the funds to run an ad on Fox News about News Corp's $1 million donation to the Republican ...

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Friday, August 6, 2010

managing your personal finance

As you’ll read tomorrow (or Monday), I’ve entered a new phase in my life. After years of hard work and long hours building this blog (time that I’ve enjoyed), I’ve been shifting things around so that I have more free time. As a result, I’m going to have more time to devote to creating quality blog posts, instead of rushing around at the last minute looking for something to write about.


Because of this, it’s time yet again to take requests. I do this about once a year, and it’s a great way to get a feel for what GRS readers are interested in. I’d be grateful if you’d take the time to leave a comment below with topic suggestions or article requests. It doesn’t matter if we’ve covered the subject in the past. If you’d like me (or one of the other GRS staff) to write about it, let me know.


Have there been too many articles about credit cards? Too few articles about credit cards? Would you like to know more about individual savings accounts? Do you like the articles about the psychology of spending? Would it be helpful to have somebody come in to explain insurance concepts in plain English? Should I try to persuade my wife to share more of her recipes now and then? Let me know what you’d like to read about!


While you’re all providing feedback about the site, here are a few recent articles of note:


Over at The Simple Dollar, Trent and his readers had a thoughtful discussion about the obligations of wealth. “I think there is some inherent distrust of the rich in the mainstream of American society,” Trent writes as he describes how a wealthy person can keep from alienating his friends. There’s so much to say about this topic; I’m tempted to write an entire article about it.


GRS reader Steven writes a blog called Hundred Goals, which is about achieving your goals while managing your finances. After Sierra’s post this morning about travel, he dropped me a line to let me know that he has a recent article about how to have a great vacation.


Speaking of vacation, my pal Jason over at No Credit Needed spent time compiling day-use fees and free days for state parks across the United States. Handy page to bookmark!


And here’s more travel! At The Art of Non-Conformity, my good friend Chris Guillebeau has posted a beginner’s guide to travel hacking. I’ve been asking him to share this info for a long time; now I’ve got to take responsibility to use the knowledge he’s shared.


Finally, I’ve been giving a lot of interviews lately. I’m much more comfortable with these than I used to be. (They used to scare me to death!) Some examples:



  • Colleen from The Frisky interviewed me about how to save money even when you’re living paycheck to paycheck. This is a tough quandary, something I’m asked about a lot.


  • In an interview with BeFrugal, I discuss frugality, happiness, and conscious spending. (Note: “the ballot” should be “the balance” — I must have mumbled.)


  • Jeff Rose at Good Financial Cents also interviewed me. This interview is very much about the process of writing a book, which may or may not interest you.


  • I also spoke with Beverly Harzog from Card Ratings. We chatted about credit cards, of course, but also about other aspects of personal finance.


  • Finally, USA Weekend has a short piece on how to give your 401(k) a midyear check, for which author Richard Eisenberg interviewed me back in May. This is a perfect example of how much work goes into even a small newspaper article. Eisenberg spent 20-30 minutes on the phone with me, and I’m sure he did the same with the other folks he quotes. Plus, I’ll bet he spent a lot of time writing. I wouldn’t be surprised if there were 4-6 hours in this small piece.


Okay, one last thing before I go. Tim pointed me to a two-year-old New York Times series about the debt trap, which includes an interactive infographic showing average household debt loads over the past century.


That’s enough links for today. Please do leave a comment with topic requests or other feedback. Meanwhile, it’s time for me to go do some yardwork…











deals, Software, VC


Jive Software Nabs $30M in Round From Kleiner Perkins, Sequoia Capital




Thea Chard 7/21/10

Jive Software, the Palo Alto, CA-based software company started in Portland, OR, has received $30 million in Series C financing led by Kleiner Perkins Caufield & Byers.


This latest shot of cash, part of which comes from Sequoia Capital, means the company has raised more than $57 million in the last three years. Sequoia had been Jive’s sole investor up until this point, providing $12 million back in October, and $15 million in 2007.


“This is the biggest joint investment that Kleiner and Sequoia have done since they partnered up with Google,” says Bryan LeBlanc, Jive’s chief financial officer.


The investors are betting big that Jive has figured out how to harness some key elements of social media for business. Jive provides social-networking, communication, collaboration, and social media monitoring tools to more than 5,000 businesses, a group that ranges from small and mid-size companies to huge global brands. Jive’s customer roster includes Nike, Starbucks, SAP, Cisco Systems, Charles Schwab, and Intel. The company also provides social networking and collaboration software for a number of U.S. government agencies, as well as congressional members and their staffs.


“We’re the largest and fastest-growing company in this new category,” says Christopher Lochhead, Jive’s chief strategy advisor. “It’s about a $5 billion dollar market growing at about 40 percent, and we’re the clear leaders.”


The company’s biggest competitors include Microsoft and IBM. But according to Lochhead, Jive has an advantage—the support of some significant VC dollars, which he says will give Jive the ability to expand its product offerings and hire the best talent Silicon Valley has to offer in “multiple gene pools.”


As part of the deal, Kleiner Perkins managing partner Ted Schlein will be joining the Jive board of directors. The $30 million capital will be used to “accelerate Jive’s rapid growth and further drive the company’s leadership in the social business market,” according to a company statement.


What does that mean for potential clients? That the company will be expanding on its current social business software—the “doppler weather radar” of what’s going on in specific markets as Lochhead puts it. It will also allow Jive to focus on developing four strategic pillars moving forward. First is what Lochhead calls  ”Jive What Matters,” a one-stop command center that encompasses “everything that you need to get your job done,” in terms of monitoring deadlines, status updates, sales numbers, all in one place. Then there’s Jive mobile apps; social widgets, such as YouTube and SalesForce, integrated into the software; and seeking out more strategic partnerships with companies like Google and Twitter.


“What social business software entails is a new way to engage with your employees, customers and the web,” Lochhead says. “Why is it so fun, effective and easy to do all of this stuff in my personal life, and yet work sucks? All of those innovations in the consumer social web, Jive is bringing to the enterprise.” He adds: “It’s a new way to do business that allows people to work together, interact, in a way that just wasn’t possible before.”


LeBlanc, the finance chief, added: “$30 million allows us to have the currency to execute that strategy.”


Though Jive, founded in Portland, OR in 2001, relocated its headquarters to Palo Alto, CA last May, it continues to maintain a growing presence in the Pacific Northwest. The company laid off one-third of its employees—around 40 people, including the vice president of engineering and vice president of sales—after the economic down turn in 2008. But Lochhead says it’s maintained profitability and is growing again, with 270 employees spread throughout the offices in Palo Alto, Portland, OR, and Boulder, CO, as well as two outposts in Europe. In January, the company posted record profits—an 85 percent increase in full-year revenue in 2009 when compared to the previous year.


And although LeBlanc could not give us exact figures on how Jive is doing this year, he did say that the financial support from Kleiner Perkins and Sequoia is a strong indication of the company’s potential.


“We do intend to build a large, relevant software company, and often when you look at large, relevant software companies, they’re $1 billion companies,” LeBlanc said. “Having that capital now—I think it’s a testament that Sequoia has been very bullish about this space…it’s unusual and we feel, frankly, very honored to have two of the titans of Sand Hill Road both behind us.”



Thea Chard is the Assistant Editor for Xconomy Seattle. You can e-mail her at tchard@xconomy.com or follow her on Twitter at http://twitter.com/theachard.




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Quicken Home &amp; Business 2008: Manage both your personal and business finances together in one place by Quicken Online


As you’ll read tomorrow (or Monday), I’ve entered a new phase in my life. After years of hard work and long hours building this blog (time that I’ve enjoyed), I’ve been shifting things around so that I have more free time. As a result, I’m going to have more time to devote to creating quality blog posts, instead of rushing around at the last minute looking for something to write about.


Because of this, it’s time yet again to take requests. I do this about once a year, and it’s a great way to get a feel for what GRS readers are interested in. I’d be grateful if you’d take the time to leave a comment below with topic suggestions or article requests. It doesn’t matter if we’ve covered the subject in the past. If you’d like me (or one of the other GRS staff) to write about it, let me know.


Have there been too many articles about credit cards? Too few articles about credit cards? Would you like to know more about individual savings accounts? Do you like the articles about the psychology of spending? Would it be helpful to have somebody come in to explain insurance concepts in plain English? Should I try to persuade my wife to share more of her recipes now and then? Let me know what you’d like to read about!


While you’re all providing feedback about the site, here are a few recent articles of note:


Over at The Simple Dollar, Trent and his readers had a thoughtful discussion about the obligations of wealth. “I think there is some inherent distrust of the rich in the mainstream of American society,” Trent writes as he describes how a wealthy person can keep from alienating his friends. There’s so much to say about this topic; I’m tempted to write an entire article about it.


GRS reader Steven writes a blog called Hundred Goals, which is about achieving your goals while managing your finances. After Sierra’s post this morning about travel, he dropped me a line to let me know that he has a recent article about how to have a great vacation.


Speaking of vacation, my pal Jason over at No Credit Needed spent time compiling day-use fees and free days for state parks across the United States. Handy page to bookmark!


And here’s more travel! At The Art of Non-Conformity, my good friend Chris Guillebeau has posted a beginner’s guide to travel hacking. I’ve been asking him to share this info for a long time; now I’ve got to take responsibility to use the knowledge he’s shared.


Finally, I’ve been giving a lot of interviews lately. I’m much more comfortable with these than I used to be. (They used to scare me to death!) Some examples:



  • Colleen from The Frisky interviewed me about how to save money even when you’re living paycheck to paycheck. This is a tough quandary, something I’m asked about a lot.


  • In an interview with BeFrugal, I discuss frugality, happiness, and conscious spending. (Note: “the ballot” should be “the balance” — I must have mumbled.)


  • Jeff Rose at Good Financial Cents also interviewed me. This interview is very much about the process of writing a book, which may or may not interest you.


  • I also spoke with Beverly Harzog from Card Ratings. We chatted about credit cards, of course, but also about other aspects of personal finance.


  • Finally, USA Weekend has a short piece on how to give your 401(k) a midyear check, for which author Richard Eisenberg interviewed me back in May. This is a perfect example of how much work goes into even a small newspaper article. Eisenberg spent 20-30 minutes on the phone with me, and I’m sure he did the same with the other folks he quotes. Plus, I’ll bet he spent a lot of time writing. I wouldn’t be surprised if there were 4-6 hours in this small piece.


Okay, one last thing before I go. Tim pointed me to a two-year-old New York Times series about the debt trap, which includes an interactive infographic showing average household debt loads over the past century.


That’s enough links for today. Please do leave a comment with topic requests or other feedback. Meanwhile, it’s time for me to go do some yardwork…











deals, Software, VC


Jive Software Nabs $30M in Round From Kleiner Perkins, Sequoia Capital




Thea Chard 7/21/10

Jive Software, the Palo Alto, CA-based software company started in Portland, OR, has received $30 million in Series C financing led by Kleiner Perkins Caufield & Byers.


This latest shot of cash, part of which comes from Sequoia Capital, means the company has raised more than $57 million in the last three years. Sequoia had been Jive’s sole investor up until this point, providing $12 million back in October, and $15 million in 2007.


“This is the biggest joint investment that Kleiner and Sequoia have done since they partnered up with Google,” says Bryan LeBlanc, Jive’s chief financial officer.


The investors are betting big that Jive has figured out how to harness some key elements of social media for business. Jive provides social-networking, communication, collaboration, and social media monitoring tools to more than 5,000 businesses, a group that ranges from small and mid-size companies to huge global brands. Jive’s customer roster includes Nike, Starbucks, SAP, Cisco Systems, Charles Schwab, and Intel. The company also provides social networking and collaboration software for a number of U.S. government agencies, as well as congressional members and their staffs.


“We’re the largest and fastest-growing company in this new category,” says Christopher Lochhead, Jive’s chief strategy advisor. “It’s about a $5 billion dollar market growing at about 40 percent, and we’re the clear leaders.”


The company’s biggest competitors include Microsoft and IBM. But according to Lochhead, Jive has an advantage—the support of some significant VC dollars, which he says will give Jive the ability to expand its product offerings and hire the best talent Silicon Valley has to offer in “multiple gene pools.”


As part of the deal, Kleiner Perkins managing partner Ted Schlein will be joining the Jive board of directors. The $30 million capital will be used to “accelerate Jive’s rapid growth and further drive the company’s leadership in the social business market,” according to a company statement.


What does that mean for potential clients? That the company will be expanding on its current social business software—the “doppler weather radar” of what’s going on in specific markets as Lochhead puts it. It will also allow Jive to focus on developing four strategic pillars moving forward. First is what Lochhead calls  ”Jive What Matters,” a one-stop command center that encompasses “everything that you need to get your job done,” in terms of monitoring deadlines, status updates, sales numbers, all in one place. Then there’s Jive mobile apps; social widgets, such as YouTube and SalesForce, integrated into the software; and seeking out more strategic partnerships with companies like Google and Twitter.


“What social business software entails is a new way to engage with your employees, customers and the web,” Lochhead says. “Why is it so fun, effective and easy to do all of this stuff in my personal life, and yet work sucks? All of those innovations in the consumer social web, Jive is bringing to the enterprise.” He adds: “It’s a new way to do business that allows people to work together, interact, in a way that just wasn’t possible before.”


LeBlanc, the finance chief, added: “$30 million allows us to have the currency to execute that strategy.”


Though Jive, founded in Portland, OR in 2001, relocated its headquarters to Palo Alto, CA last May, it continues to maintain a growing presence in the Pacific Northwest. The company laid off one-third of its employees—around 40 people, including the vice president of engineering and vice president of sales—after the economic down turn in 2008. But Lochhead says it’s maintained profitability and is growing again, with 270 employees spread throughout the offices in Palo Alto, Portland, OR, and Boulder, CO, as well as two outposts in Europe. In January, the company posted record profits—an 85 percent increase in full-year revenue in 2009 when compared to the previous year.


And although LeBlanc could not give us exact figures on how Jive is doing this year, he did say that the financial support from Kleiner Perkins and Sequoia is a strong indication of the company’s potential.


“We do intend to build a large, relevant software company, and often when you look at large, relevant software companies, they’re $1 billion companies,” LeBlanc said. “Having that capital now—I think it’s a testament that Sequoia has been very bullish about this space…it’s unusual and we feel, frankly, very honored to have two of the titans of Sand Hill Road both behind us.”



Thea Chard is the Assistant Editor for Xconomy Seattle. You can e-mail her at tchard@xconomy.com or follow her on Twitter at http://twitter.com/theachard.




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Thursday, August 5, 2010

personal finance budgeting


J.D.: Parents tend not to like parenting advice from parents either. You really can’t win. It’s a war zone re: parenting choices out there, and all that tells me is that overall families with kids are not feeling well-accommodated in the current economic structure.


Glad the family factor finally got mentioned though. Similarly our first cutting area would have to be kids’ extracurriculars, second would be quality of nutrition, third would be heat, then we’d sell the house or take on a tenant rather than lending our basement apartment to a friend.


Parenthood has three-quartered our income and nearly quadrupled our expenses. We didn’t have a car, for example, before the kids started begging for us to please get out of the city sometimes. And how do you say no to that if you can afford it? “No, kid. Go play in the parking lot. Trees aren’t all they’re chalked up to be.” Our only financial fat is kids’ activities. With two kids and no consumer debt, we have very little to cut re: grownup expenses. (Um, we get takeout once a week so I can stop cooking for a minute?)


Etc. etc..


That said I’m constantly looking for ways to bring a little in here and there while I’m mostly at home. This will get easier when they’re both in full day school. Day care + summer camps would cost more than my salary as an arts professional, so I opted to stay mainly at home for seven years. Opted being a strong word. It was a financial no-brainer, and I personally felt I had no choice. On the other hand other parents I know feel compelled to work full time because in their particular situation that makes the most sense. Truly every situation is different, and no doubt everyone is doing what they can to provide as much as they can for their kids.


Financial factors aside, some people freely admit to not being able to handle the stresses of at-home parenting. Self-knowledge is key to this gig. Better the kids are in daycare than cared for by a no doubt loving but resentful and unhappy parent. Loving the act of parenting and loving your children are two very different things.





Life on the fast track can be taxing. With the ever-growing list of responsibilities, we have more and more bills to pay and an even longer set of reminders and tasks there is to keep track of. Life on the fast track can be taxing.


In order to help reduce the burden of remembering the things you need to do and actually focus on the task at hand; we have 2 great iPhone apps to recommend. Both of these apps have been featured on MakeUseOf before: NotifyMe and Bills.


This week, we will be giving away 5 promo codes for each application. Find out how you can get one, after the jump.




But first let’s take a look at the apps individually.


NotifyMe 2


NotifyMe 2 is the updated version of NotifyMe and only supports iOS4. At the very core, it is still a reminder application. You create tasks/reminders which are synced over the air to NotifyMe’s servers. When your tasks are due, you receive a push notification sent to your iPhone.



All tasks/reminders can also be accessed online via the cloud server, notifymecloud.com and can be used to track your list of reminders easily.



In this updated version, you can also create local reminders which are stored on your device. This is a huge help you are only looking to create short-term reminders without internet access.



NotifyMe 2 also supports task sharing — any reminder can be shared with any authorised NotifyMe 2 user and will appear on their upcoming screen.



For a more in-depth review of the previous version (which will also provide you with a rough concept of how the app works), please read Never Forget Anything Again With NotifyMe for iPhone


Bills


Bills (also known as Bills ~ on your table) is a simple payment tracking application. This app helps you track pending bills and their corresponding due dates efficiently and elegantly as well.



Bills can be set to automatically repeat daily, weekly, monthly or annually. When a payment is due, you’ll receive a push notification with a gentle reminder (or pre-reminder, which you can set to occur days prior).



For a more in-depth review, check out Never Forget To Pay Another Bill Again With Bills ~ On Your Table


How do I win a copy?


It’s simple, just follow the instructions.




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