The Best Free Online Personal Finance Tools

Proper financial management – most coveted by millions and millions of consumers all over the globe. Faced with this tough economy, it is harder than ever to handle your finances well. But the great news is that establishing a solid financial plan for your future has become more affordable and attainable. There are a lot of online personal finance tools that are offered to individuals for free to help them manage their finances better. These are effective instruments to become financially stable while saving yourself from getting into debt trouble.In today’s modern time, tracking every single detail is quite hard and even more difficult when money is the issue. Thus, getting help from online personal finance tools sounds very beneficial. In addition, these tools come free and very handy. Calculating your cash inflow and outflow can be easily done in the comfort of your home facing the computer.Personal finance is a method of following your finances in a more streamlined manner. Since listing down on a paper every detail of your expenditures does not function well any longer, a personal finance device found online gives a far bigger and better assistance.The following are some of the best online personal finance tools from budgeting to checking one’s credit score that are offered to individuals for free:For Money Budgeting1.) Mint.com·Mint.com is one of the most popular and well-loved free online personal finance tools by the people. With over 8,000 financial company connections worldwide, this online means offers a wide variety of understandable and easy to use tools.·Once you have registered an account, you get 100% access of your whole finances such as your credit cards, grocery bills, loans and other personal expenses.·It offers a very detailed tracking program about everything that goes on with your finances from – the things you spend your money on, how much monthly savings you have as well as your investment’s performance.·Automatic alerts are also given to you through a text message or an e-mail especially when you are on the brink of reaching your card’s credit limit or if you have too little money deposited in your bank account.·In addition to these services, this online tool can also show you budgeting charts and spread sheets that teaches you how to budget in every expense category.2.) Wesabe·Wesabe.com is a website that provides strong financial management instruments while at the same time having that social networking appeal since it offers an active forum for clients who seek support and give encouragement to each other in order to reach their respective monetary goals.·Since it is more hands-on website as compared to Mint, you have the choice of putting your bank or credit card statements on your own. Since this is not done automatically, you safeguard your identity as well as important details such as your account numbers and passwords better.For Financial Planning3.) Buxfer·A more basic and less updated free online personal finance tool found in the web, it is best for people who are looking for fuss-free financial planning instruments.·However, what makes it stand out among other online financial planning device is its user-friendly interface. Buxfer is equipped with a step-by-step how to guide, easy to understand instructions as well as fast account set up.For Investment Tracking4.) Social Picks·SocialPicks.com is a business based online company that focuses more on tracking a person’s investments. It provides an independent service wherein you can easily gain access of your asset’s performance while at the same time allowing you to make comparisons with other investors. Financial advice is also provided to help you market your investment better.For Credit Score Checking5.) CreditKarma.com·Functions just like your credit score bureau company, this website offers you an updated status of your credit score. Also, advice is given on how you can improve your rating as well as tips on how you can repair a rating with glitches.·The only main difference is that you need not give out your credit card details. All you have to type in is your name, address and SSS (Social Security Number).Online personal finance tools are great devices in keeping yourself up to date with your finances current status while at the same time giving you help to make financial planning more effective without the scare of getting scammed.

E-Commerce Strategies For the Developing Nations and Emerging Economies – National Level Strategies

E-commerce has the potential to bring many benefits in the economies and societies of all nations which may include growth in economies, enhance export competitiveness and ease jobs and business activities.However, the development and adoption of E-commerce by the developing countries and Emerging economies have so far been limited. Reasons for this are written, discussed and documented much. It is not the purpose of this article to discuss about them.Given those problems and obstacles E-commerce faces in these countries changes can be made if right strategies be put in place. I would like to indicate some E-commerce strategies that I believe should be priorities.1. Raising Awareness
Raising awareness and understanding about the benefits and implementation of E-commerce should be the primary task that these nations should do. Without good level of awareness it is almost an impossible task to practice E-commerce. However, it is not an easy task though. It may take some time to reach desired goals. It is also a sound approach using the Internet in major needs and interest areas of the people such as vacancies, billing information (electricity, telecommunications, etc.)2. E-commerce application for businesses
Electronic way of doing business makes enterprises to become more competitive in the global market. As the enterprises grow, new markets will be accessed and many new employment opportunities will be created. As a result, this facilitates the creation of wealth and sustainable economy.3. Government Roles
Experiences show that in many developed countries that have enjoyed fast growth in ICT, government has been closely involved in promoting ICT development. -United Nations Conference on Trade and Development, E-COMMERCE AND DEVELOPMENT REPORT 2003Government role is vital in the implementation and growth of E-commerce in the Developing nations and Emerging Economies. One of major and effective strategies for growing the practice of Internet usage is through e-government facilities. E-government is giving public facilities through the Internet. As a result this will create the opportunity for the society to explore the potential of the Internet for further business activities.
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What We Have Here Is A Failure To Communicate

The results of this past election proved once again that the Democrats had a golden opportunity to capitalize on the failings of the Trump Presidency but, fell short of a nation wide mandate. A mandate to seize the gauntlet of the progressive movement that Senator Sanders through down a little over four years ago. The opportunities were there from the very beginning even before this pandemic struck. In their failing to educate the public of the consequences of continued Congressional gridlock, conservatism, and what National Economic Reform’s Ten Articles of Confederation would do led to the results that are playing out today.. More Congressional gridlock, more conservatism and more suffering of millions of Americans are the direct consequences of the Democrats failure to communicate and educate the public. Educate the public that a progressive agenda is necessary to pull the United States out of this Pandemic, and restore this nations health and vitality.

It was the DNC’s intent in this election to only focus on the Trump Administration. They failed to grasp the urgency of the times. They also failed to communicate with the public about the dire conditions millions have been and still are facing even before the Pandemic. The billions of dollars funneled into campaign coffers should have been used to educate the voting public that creating a unified coalition would bring sweeping reforms that are so desperately needed. The reality of what transpired in a year and a half of political campaigning those billions of dollars only created more animosity and division polarizing one extreme over another.

One can remember back in 1992 Ross Perot used his own funds to go on national TV to educate the public on the dire ramifications of not addressing our national debt. That same approach should have been used during this election cycle. By using the medium of television to communicate and educate the public is the most effective way in communicating and educating the public. Had the Biden campaign and the DNC used their resources in this way the results we ae seeing today would have not created the potential for more gridlock in our government. The opportunity was there to educate the public of safety protocols during the siege of this pandemic and how National Economic Reform’s Ten Articles of Confederation provides the necessary progressive reforms that will propel the United States out of the abyss of debt and restore our economy. Restoring our economy so that every American will have the means and the availability of financial and economic security.

The failure of the Democratic party since 2016 has been recruiting a Presidential Candidate who many felt was questionable and more conservative signals that the results of today has not met with the desired results the Democratic party wanted. Then again? By not fully communicating and not educating the public on the merits of a unified progressive platform has left the United States transfixed in our greatest divides since the Civil War. This writers support of Senator Bernie Sanders is well documented. Since 2015 he has laid the groundwork for progressive reforms. He also has the foundations on which these reforms can deliver the goods as they say. But, what did the DNC do, they purposely went out of their way to engineer a candidate who was more in tune with the status-quo of the DNC. They failed to communicate to the public in educating all of us on the ways our lives would be better served with a progressive agenda that was the benchmark of Senators Sanders Presidential campaign and his Our Revolution movement. And this is way there is still really no progress in creating a less toxic environment in Washington and around the country.