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Financial apps 2
Financial apps 2
Financial apps 2
Financial apps 2
Financial apps 2
Financial apps 2
Financial apps 2
Financial apps 2
Financial apps 2
Financial apps 2
Financial apps 2
Financial apps 2
Financial apps 2
Financial apps 2
Financial apps 2
Financial apps 2
Financial apps 2
Financial apps 2
Financial apps 2
Financial apps 2
Financial apps 2
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Financial apps 2

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  • Show ipad version, drill down a category, to transactions
  • Web version, fake account, add an acount, recatgorize a transaction, start a recurring one, add a rule, add a budget
  • Link to an article?
  • Overview, then manually add a bill, then show how to auto-add a bill
  • Add to dummy account
  • Don’t demo
  • expensify
  • Don’t bother
  • Home budget -
  • Show them quickly
  • Show smoopa
  • Show from my phone – amazon and milo
  • Transcript

    • 1. Financial Apps Banking, Checkbook/Accounting, Budgeting and Shopping/Coupon apps Forum, 2013
    • 2. BANKING APPS
    • 3. Mint (free) • Read only version of multiple accounts • Cannot make transactions • Designed to handle multiple accounts • • • • • • • Sign in once to bank/institution, Mint takes over from there Add cash transactions manually Classifies transactions (90%), and is easy to reclassify Shows all financial information, using pie charts, graphs Easy to drill down to specifics Suggests budget, easy to tinker with Sends alerts for high spending, over budget, large deposits
    • 4. Mint: iPad vs. Desktop • Like many apps, there are two or three flavors • Desktop/web: to manage Mint • Add banks/ accounts • Classify transactions • Set budget goals • Tablet/phone: to look at finances • Finances at a glance • Drill down into any category • Today: • • • • https://wwws.mint.com/demoUser.event (demo acct.) Add an account Recatagorize multiple transactions Change a budget goal
    • 5. Security • Depends on your level of paranoia • A significant amount of paranoia is called for! • NY Times article “Should You Trust Mint.com?” Jay Foley, co-founder of the Identity Theft Resource Center, said he would trust the site. “Their security level is pretty decent, all things considered,” he said, noting it was in line with the standard at financial institutions but the information could still be encrypted at a higher level on par with that of the military. • Consensus: As strong as your bank’s security • No SSI, no name or address asked for on Mint • Bank Username/Password/Security questions not stored on Mint • Established a one-way connection with the bank • Bank stores info
    • 6. Security (con’t) • Bigger threat is thieves getting passwords from your tablet/computer • Have strong password! • Sentence: !!nd0amHM (It is not down on any map – Herman Melville) • Additional security: • Notifies you of high spending, large withdrawals, over budget items • You can password protect your account in Settings • Read-only: can’t make transactions from Mint
    • 7. Check (formerly Pageonce) (free) • App only • Banking/bill paying app • Better as a bill reminder • Uses financial info from banks and institutions to see finances at a glance • Don’t need to use that aspect; Mint is better at it • Useful as a bill reminder • You can enter bills manually and have it give you reminders to pay • NO security issues • You can have it pull up bills automatically, and set reminders to pay manually • You can have it autopay your bills for you • Sends alerts for suspicious activity • Today: add Comcast bill (manual and auto)
    • 8. Your Own Bank’s Apps* Best • • • • • • • • • • Worst RBS Citizens – 4.5 stars, 93% favorable reviews Charter One – 4.0 stars, 91% favorable reviews KeyBank for iPad – 4.0 stars, 83% favorable reviews City National – 4.0 stars, 76% favorable reviews Santander – 3.5 stars, 83% favorable reviews Associated Bank – 3.5 stars – 76% favorable reviews Huntington Bank for iPad – 3.5 stars, 75% favorable reviews US Bank – 3.5 stars, 71% favorable reviews Utrecht Bank – 3.5 stars, 69% favorable reviews Bank of the West – 3.5 stars, 68% favorable reviews • People’s United Bank for iPad – 2.0 stars, 79% negative reviews • PNC – 2.0 stars, 79% negative reviews • SunTrust – 2.0 stars, 78% negative reviews • BB&T for iPad – 2.0 stars, 73% negative reviews • Chase – 2.0 stars, 70% negative reviews • TD Bank – 2.0 stars, 70% negative reviews • PNC Virtual Wallet – 2.0 stars, 69% negative reviews • Regions – 2.0 stars, 69% negative reviews • Fifth Third – 2.0 stars, 69% negative reviews • BofA – 2.0 stars, 68% negative reviews *Forbes, July 2013
    • 9. CHECKBOOK AND INVOICE APPS
    • 10. Checkbook (free) (Pro - $3) • Manual • Simple and intuitive to use • Much like a checkbook ledger • • • • • • • • Starting amount Income Expenses Recurring bills Does not auto-categorize Can’t delete items (difficult to reconcile account) Doesn’t sync Today: add an expense
    • 11. PocketMoney ($5) • Very simple checkbook app for withdrawals, deposits and transfers • Checkbook ledger with few bells or whistles • Graphs • Bill notification on recurring bills • • • • • All manual, no security issues Simple, kind of a clunky interface Only three options: withdrawal, deposit, transfer Recurring withdrawals can be added Can sync with other devices
    • 12. EXPENSES/INVOICE APPS
    • 13. Expensify (free) • Expense report app • Three flavors: web, tablet, phone • Syncs across devices • Detail work best done on web • Use tablet and phone to add receipts • Create a manual report, or you can add credit card • Expensify will match receipts to expenses • Adding receipts • Email in receipts • Smartscan pictures of receipts (10 free smartscans/mo, $.20 for each additional smartscan • Manual entry (with or w/o pic of receipt) • Drag and drop • Evernote!!! • Generate reports
    • 14. Invoice2go Plus ($4/month) • First three docs free in trial version • $49 a year or more after • Seems a bit pricey • • • • Simple and intuitive to use Add basic business info, it does the rest Create Invoices, Estimates, POs, Credit Memos Output options: Save, Preview, Email, Print
    • 15. BUDGETING APPS
    • 16. Homebudget ($5) • Tracks spending and income • • • • All manual , no security issues Shows income and expenses in graph form Family sync allows multiple users to access it Scan or take photos of receipts • Choose category (bills, income, accounts, etc.) • Touch + at upper right, choose income, expense, or transfer • Recurring expenses/income, DON’T touch +, touch R at bottom left • THEN touch + • View summaries and forecasts
    • 17. Other budgeting apps • iAllowance ($3.99) • • • • For kid’s allowances Chores are included $1 for more than one kid $1 for sync through Dropbox • Ace Budget ($1) • • • • All manual, no security issues Simple and intuitive Sync through iCloud Manually set up income and expenses • Easy to add recurring expenses
    • 18. SHOPPING APPS
    • 19. Smoopa (free) • Most of these apps are for the phone • Phone is a great shopping tool • These are available for both Android and iPhone • Forewarning: there are a lot of bad barcode scanners out there • Scan, Shopsavvy, BuyVia ,PriceGabber • Smoopa • • • • • • • Bar code reader Click barcode at upper right Take scan, type in price Green button for best deal Yellow button for “meh” Suggests online options Earns you rewards
    • 20. Other Shopping apps • Amazon Price Check (free) • Scan bar code, take picture, say name, type it in • All four work very well • Picture best for books and CDs • You’ll get price options on Amazon • Caveat: specific to Amazon • Market testing: toys and electronics at Amazon were lowest price 100% of the time • I use this • Milo (free) • • • • Pretty good scanner Confined to local area Web version: type in product The anti-Amazon!
    • 21. Coupon Apps • Grocery IQ • • • • • Create shopping list Offers savings for applicable items Type it in, or say it Multiple shopping lists Pretty good bar scanner • Coupons • VERY simple • In-store and on-line coupons • Coupons.com • NO • Spams my printer with coupons • Unable to turn it off in Settings

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