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.

What Are The Greatest Changes In Shopping In Your Lifetime

What are the greatest changes in shopping in your lifetime? So asked my 9 year old grandson.

As I thought of the question the local Green Grocer came to mind. Because that is what the greatest change in shopping in my lifetime is.

That was the first place to start with the question of what are the greatest changes in shopping in your lifetime.

Our local green grocer was the most important change in shopping in my lifetime. Beside him was our butcher, a hairdresser and a chemist.

Looking back, we were well catered for as we had quite a few in our suburb. And yes, the greatest changes in shopping in my lifetime were with the small family owned businesses.

Entertainment While Shopping Has Changed
Buying butter was an entertainment in itself.
My sister and I often had to go to a favourite family grocer close by. We were always polite as we asked for a pound or two of butter and other small items.

Out came a big block of wet butter wrapped in grease-proof paper. Brought from the back of the shop, placed on a huge counter top and included two grooved pates.

That was a big change in our shopping in my lifetime… you don’t come across butter bashing nowadays.

Our old friendly Mr. Mahon with the moustache, would cut a square of butter. Lift it to another piece of greaseproof paper with his pates. On it went to the weighing scales, a bit sliced off or added here and there.

Our old grocer would then bash it with gusto, turning it over and over. Upside down and sideways it went, so that it had grooves from the pates, splashes going everywhere, including our faces.

My sister and I thought this was great fun and it always cracked us up. We loved it, as we loved Mahon’s, on the corner, our very favourite grocery shop.

Grocery Shopping
Further afield, we often had to go to another of my mother’s favourite, not so local, green grocer’s. Mr. McKessie, ( spelt phonetically) would take our list, gather the groceries and put them all in a big cardboard box.

And because we were good customers he always delivered them to our house free of charge. But he wasn’t nearly as much fun as old Mr. Mahon. Even so, he was a nice man.

All Things Fresh
So there were very many common services such as home deliveries like:

• Farm eggs

• Fresh vegetables

• Cow’s milk

• Freshly baked bread

• Coal for our open fires

Delivery Services
A man used to come to our house a couple of times a week with farm fresh eggs.

Another used to come every day with fresh vegetables, although my father loved growing his own.

Our milk, topped with beautiful cream, was delivered to our doorstep every single morning.

Unbelievably, come think of it now, our bread came to us in a huge van driven by our “bread-man” named Jerry who became a family friend.

My parents always invited Jerry and his wife to their parties, and there were many during the summer months. Kids and adults all thoroughly enjoyed these times. Alcohol was never included, my parents were teetotallers. Lemonade was a treat, with home made sandwiches and cakes.

The coal-man was another who delivered bags of coal for our open fires. I can still see his sooty face under his tweed cap but I can’t remember his name. We knew them all by name but most of them escape me now.

Mr. Higgins, a service man from the Hoover Company always came to our house to replace our old vacuum cleaner with an updated model.

Our insurance company even sent a man to collect the weekly premium.

People then only paid for their shopping with cash. This in itself has been a huge change in shopping in my lifetime.

In some department stores there was a system whereby the money from the cash registers was transported in a small cylinder on a moving wire track to the central office.

Some Of The Bigger Changes
Some of the bigger changes in shopping were the opening of supermarkets.

• Supermarkets replaced many individual smaller grocery shops. Cash and bank cheques have given way to credit and key cards.

• Internet shopping… the latest trend, but in many minds, doing more harm, to book shops.

• Not many written shopping lists, because mobile phones have taken over.

On a more optimistic note, I hear that book shops are popular again after a decline.

Personal Service Has Most Definitely Changed
So, no one really has to leave home, to purchase almost anything, technology makes it so easy to do online.
And we have a much bigger range of products now, to choose from, and credit cards have given us the greatest ease of payment.

We have longer shopping hours, and weekend shopping. But we have lost the personal service that we oldies had taken for granted and also appreciated.

Because of their frenetic lifestyles, I have heard people say they find shopping very stressful, that is grocery shopping. I’m sure it is when you have to dash home and cook dinner after a days work. I often think there has to be a better, less stressful way.

My mother had the best of both worlds, in the services she had at her disposal. With a full time job looking after 9 people, 7 children plus her and my dad, she was very lucky. Lucky too that she did not have 2 jobs.

Web Site Promotion – Keyword Secrets

What is the secret of finding the right keywords for your web site promotion? The quality of your keyword research will be directly reflected in the quality of your web site promotion. Quality research requires the right tools. The more tools in your web site promotion toolbox,the more information you will access. There is no such thing as too much information when it comes to keywords. The more informed you are about your keywords, the better chance you have to make your web site promotion a successful one.Keyword research is a unique form of market research. It is always dynamic, as are Google and the Internet itself. Keyword research skill should evolve and grow along with Internet marketing skill. It will correlate closely with your success as an Internet Marketer. Every owner of an Internet business should understand the importance of keywords and keyword research to their success.You don’t have to limit your choice of keywords only to a specific business you want to promote on the Internet. Your web site promotion could be a blog about something that interests you, and a subject on which you are knowledgeable. It may be possible to garner enough traffic to produce profitable results from a blog about almost any subject that you are interested enough in to write about. Your writing subject does not have to promote only your business opportunity. There are many examples of profitable blogs and web sites that started from a personal interest or hobby.Where can you find the right tools to research your web site promotion keywords ? A good place to start is with a simple Google search. Take a look at the numbers in the upper right hand corner of the results page from any Google search. This number indicates the total indexed number of web sites that have those keywords on their web site. Even though the number may seem very large, many of the sites just mention the keywords without specifically targeting them.It is important to know where the keywords appear on the site. Sometimes keywords may appear in the URL, (Internet address), in the title, or simply in the text of the page. A search for keywords in web page URL’s would be inurl:keyword where your keywords would substitute for the word “keyword”. A search for intitle:keyword would indicate which web pages used the keyword(s) in the title of the page. A search for intext:keyword would reveal the pages that listed the keyword(s) somewhere on the page in readable or visible text.By the way, one of the most important things on any web site in terms of search engine optimization is to use keywords in the title of the page. Note: search engine optimization or SEO, is the practice of using knowledge of Google to gain a high search engine position or ranking.For much more specific information on traffic volumes for particular keywords, there is a great tool from Google called Google AdWords Keyword tool. This is a free Google service that supplies a wealth of information. You can get a good idea of the traffic for your keywords in the previous month, and the average monthly traffic for the previous year. It also provides a long list of related or additional keywords, and the corresponding traffic levels.Another free tool you can use is the free keyword suggestion tool from Wordtracker. Note: the paid version is even better. This is a very interesting web site promotion tool that gives you a weighted number that indicates the value and level of competition for a particular set of keywords. A number between 75 and 100, or higher, usually indicates that your chosen keywords are good ones. A number closer to zero, indicates less desirable keywords.An additional tool available at no charge is the keyword discovery tool. It gives you one hundred of the best keywords related to your keywords. It claims to look across various search engines to give a broad view of search engine results. There is also a paid version that gives you a twelve month history.There are also various types of software that do keyword research. If you decide to invest in this type of software, it is recommended to find companies that offer a trial version. There are some software programs of this type that are merely marketing tools to sell search engine optimization services. Caveat emptor is the word here. (Buyer beware.)This it just a brief overview or introduction to keyword research. Any web site promotion effort should prioritize thorough keyword research, and recognize it as an essential element of success.