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Any good replacements for Microsoft Money? |
I use MS-Money to track my account and investments, as Microsoft is just about to kill MS-Money, what are the good replacements?
I need a product that can cope with the fact I live in the UK.
|
Any good replacements for Microsoft Money that will work well for the U.K.? |
Since Quicken was withdrawn from the UK market, I've made do with an OpenOffice spreadsheet and a bit of ninja function/formatting.
I did a little look around though and found that [QuickBooks][1] is available in a UK version. There are a few little video demos on the linked page, and you can buy [various versions a... |
There have been several questions about reward point/loyalty programs offered by credit cards
1. [Best Travel Point Credit Cards][1]
2. [Best Reward Benefit Credit Cards][2]
3. [Easy Comparison of Reward Benefit Cards][3]
Should the benefit offered by these reward programs be considered taxable income? Plea... |
Are credit card rewards taxable? |
For my job, I often have to visit clients around the UK, normally for a couple of days at a time, so most of the time I will use my own car to drive there and back.
My company pays £0.28 per mile, I'm not sure if that works out to cover my mileage well enough or not (1.6 astra)
I've found [this post][1], and I wo... |
Claiming mileage allowances, what are the rules/guidelines? |
What are advantages & disadvantages of using a Peer-to-Peer lending site or network? |
Since Quicken was withdrawn from the UK market, I've made do with an OpenOffice spreadsheet and a bit of ninja function/formatting.
***Note:**As pointed out by Chris in the comments, it looks like this product is aimed at small businesses rather than personal use.*
I did a little look around though and found that... |
@MrChrister,
Budgeting is really about **planning your spending**. Many programs and most advice will tell you that budgeting is tracking your expenses. That's only the first part.
Track your expenses for about a month to figure out what you plan to spend in the future.
**Your budget is then just a list of th... |
You have made the most important first step by starting to think about your money, **well done**.
**Firstly pay of all credit cards as quickly as the can and start to live within your means**. Until you have paid of your credits cards don’t spend any money of unnecessary items, e.g.
- Take a pack lunch to work
... |
A lot of smaller (and/or weaker) countries did not have match choose when Germany and France decided to rename the Garman Mark as the Euro, as most of their trade was already in marks. It was even common for there population to have their savings in Marks.
So the question was.
> Do we wish to have to use the E... |
Yes, but should you be even trying to get a mortgage if you can't aford at least a 5% deposit?
Prove you do want the house by doing without a new car for a few years... |
A lot of smaller (and/or weaker) countries did not have much choice when Germany and France decided to rename the German Mark as the Euro, as most of their trade was already in Marks. It was even common for their population to have their savings in Marks.
So the question was.
> Do we wish to have to use the Eu... |
I've just received my first paycheck in four months (yay!). In the meantime, my bank account went about $150 negative. That's one of the reasons I deposited my paycheck into that bank account - I wanted to pay them.
Instead, the bank has placed the funds on hold for five days!
From the bank's point of view, why d... |
US Bank Placing a Hold on a Paycheck - Why Does That Make Sense? |
I've heard about "secured" credit cards - where you basically pre-pay the amount of your "credit card" limit - surely your use of this type of card is evident on your credit report, and the advantage of having made your payments wouldn't carry the same weight as it would had you kept up with monthly payments on a regul... |
Are there advantages to getting a "secured" credit card, if you have poor credit? |
Can someone easily cash one? Is it used for business only, or is there an advantage to consumers using them as well? |
What's a Letter of Credit? Are funds held in my bank for the amount in question? |
For a couple of years, Canada's had "permanent" postage stamps, whereby instead of printing a fixed value in cents on the regular lettermail stamp there is simply the letter "**P**" for *permanent*.
You used to buy 1 or 2 cent stamps to make up for any year's price increase if you had stamps left over from the previ... |
Can I use Canada "permanent" postage stamps, usually for lettermail, towards higher postage rates? |
First, congratulations on the paycheck! :-)
On the holds: Is it possible that by allowing your account balance to go negative (into overdraft) that you triggered such treatment of your account? Perhaps the bank is being more cautious with your account since that happened. *Just how long did you have their $150 on... |
US Bank placing a hold on funds from my paycheck deposit: Why does that make sense? |
I've just received my first paycheck in four months (yay!). In the meantime, my bank account went about $150 negative. That's one of the reasons I deposited my paycheck into that bank account - I wanted to pay them.
Instead, the bank has placed the funds on hold for five days!
From the bank's point of view, why d... |
Can I still claim the Home Renovation Tax Credit even if I pay cash?
|
Home Renovation Tax Credit - What if i pay cash? |
How much would be a fair raise or salary increase to ask for at work? |
Here are some more thoughts:
***Consider inflation as a foundation...***
People often overlook inflation when requesting a salary increase. The cost of living is almost always rising. If you're going to ask for a raise, make sure you take that into account. (See also: [How much is inflation?][1])
Try to ... |
Home Renovation Tax Credit (HRTC) - Can I still claim it even if I pay cash? |
Carol V. Calhoun of [Calhoun Law Group][1] says:
> **The attractiveness of a 457(b) plan as
> compared with a 403(b) plan or a
> 401(k) plan may vary greatly depending
> on the circumstances.** For example, a
> state or local governmental entity
> other than a public school or
> university may need to have a *... |
There used to be a type of card that was offered called a "charge" card, how is that different from a credit card? |
What is the difference between a charge card and a credit card? |
Are defined benefit (DB) pension plans guaranteed in the U.S.?
What happens to a DB pension plan and plan benefits if the sponsor company goes bankrupt?
Where can somebody find more information on how their DB plan may or may not be protected?
<br>
*Note: This question is a **Bounty FAQ**. More info [here][1... |
Are defined benefit (DB) pension plans guaranteed in the U.S.? What happens if the sponsor company goes bankrupt? |
I am just started using basicallymoney.com... My question would be
- Is it worth working at home to earn money?
- Can i earn more money working at home?
|
Is it worth working at home to earn money? |
I am just started using basicallymoney.com... My question would be
- Is it worth working at home to earn money?
- Can I earn more money working at home?
|
Is it worth working at home to earn money? Can I earn more money working at home? |
I think the right question you should ask yourself about is:
Can i work at home? is it possible? do i have a clam, private place at home to work from? what will be the motivation while working from?
If you answer these questions, you will find if you can get money from home or not, because any place you can do wo... |
Since I graduated college a few years ago, I've been giving a lot of thought to getting a "tax man" instead of doing taxes myself through TaxCut or TaxAct.com. I'm not so much interested in having someone "do my taxes," but rather I'd like to sit down with someone who knows federal and state taxes really well and can ... |
How do I find a tax man? |
How do I find a tax advisor or "tax man"? |
It completely depends on what type of work you intend to do.
Are you intending to run/setup your own business? Or stay with your current employer, but work from home instead of going to the office?
If thats the case, then yes it is a good idea, since you will save on commuting costs amongst other things
If you... |
How important is it to have disability insurance? My employer does not provide it. I work in the web development business. |
How important is disability insurance? |
I have a traditional IRA account that I want to move to a [Interactive Brokers][1]. I would also like to invest some non-IRA money with that same broker. However, there's a minimum balance and minimum fees. Would I have to pay twice the minimums (one for non-IRA and another for IRA)? I've been trying to describe th... |
When an in-the-money stock option expires does the broker always execute it or does its value become worthless if the owner doesn't execute it? |
What exactly happens if a broker runs out of funds? Could you actually lose equity in your account? If so, what should you be examining when looking at the financial report of your broker? |
Has anyone attempted opening a foreign bank account, if so what was your experience? how easy was it? Which country? |
How easy is it to open a foreign bank account via the internet? |
What are the alternatives to paypal for countries whom paypal does not support?
For example, I am from Pakistan and i am looking for easy way like paypal to transfer and receive amounts from the services buyers whom i render my freelance service.
Thanks |
What are the alternatives to paypal for non-supported countries? |
What are the alternatives to PayPal for countries whom PayPal does not support?
For example, I am from Pakistan and I am looking for easy way like PayPal to transfer and receive amounts from the services buyers whom I render my freelance service.
Thanks |
What are the alternatives to PayPal for non-supported countries? |
Stability of a Broker: What if your broker goes bankrupt? Could you lose equity in your account? |
I rent out a room in my house, do I have to report the rent as income? |
Savings accounts doesn't seem to generate much interest. What other options do I have for my emergency fund? |
Where can I park my rainy-day fund? |
Savings accounts don't seem to generate much interest. What other options do I have for my emergency fund? |
Where can I park my rainy-day / emergency fund? Savings accounts don't generate much interest. |
Two partners started a business, and it's grown pretty big (comparatively).
Now they've asked me to be the CTO, and I've determined it's a good position for me to take. I'll be getting 90% of my current salary (6000/mo instead of 6700), and 5% equity in the company.
The question has come up, would I rather be an ... |
Consultant, or employee? |
I'm interested in starting a new brokerage account somewhere. I would like to "test the waters" before transferring my entire IRA to them. Is there any law against having a completely separate IRA account? Of course, I plan on staying below the annual contribution limits for the sum added to both accounts.
I'm pl... |
Can you have a Roth IRA and a traditional IRA? What about two separate IRA accounts of the same type? |
I think it really depends on what work/lifestyle you are looking for. I'm sure your more than capable of going down either route, but you should weigh up the pros and cons of each
A consultant would be great, you'd be your own boss and you have overall say on how your business/career plans out, but be prepared to pu... |
Your comment to James is telling and can help us lead you in the right direction:
> *My **work** and lifestyle **will be the same either way**, as I said.
> This is all about how it goes "on the books."* [emphasis mine]
As an independent consultant myself, when I hear something like "the work will... |
Offered a job: Should I go as consultant / independent contractor, or employee? |
PayPal wants me to "add a bank account", another funding source. Credit card isn't working. Why? |
[Mint.com][1] has languished for years ([over three now][2]) in not supporting Canadian banks. Given that we only have a few, you would think it to be a small amount of work.
Which online banking sites (apart from your own bank's) have people used for Canadian accounts?
[1]: http://mint.com
[2]: http://for... |
Which of the online non-bank-specific banking sites work for Canada? |
Which of the online non-bank-specific financial sites work for Canada? |
Which non-bank-specific online money management applications work for Canadian banks? |
An admission: There's a reasonably well-known money personality/expert that wasn't on my radar screen until I started running this site. I'm referring to **Dave Ramsey**. I've become curious about Ramsey as I've seen many mentions of his name, shows, books, or courses in answers here at Basically Money:
- In [r... |
Hearing much about Dave Ramsey. Which of his works is best in describing his "philosophy" about money? |
I've seen enough info out there comparing lump-sum investments into ETFs vs mutual funds with respect to broker commissions in the case of ETFs, and the discrepancy between MERs between the two. In that case, it's quite easy to figure out the threshold lump-sum to make a case for investing in an ETF instead of an equiv... |
Regular contribution threshold for ETF vs Index Mutual Fund? |
I've seen enough info out there comparing lump-sum investments into ETFs vs mutual funds with respect to broker commissions in the case of ETFs, and the discrepancy between MERs between the two. In that case, it's quite easy to figure out the threshold lump-sum to make a case for investing in an ETF instead of an equiv... |
I've seen enough info out there comparing lump-sum investments into ETFs vs mutual funds with respect to broker commissions in the case of ETFs, and the discrepancy between MERs between the two. In that case, it's quite easy to figure out the threshold lump-sum to make a case for investing in an ETF instead of an equiv... |
As of February 8th, 2009, [Bank Of The Sierra][1] offers a free checking account which earns a 4.09% APY. It looks like the catch is that you pretty much have to use them as your main bank. You need to have direct deposit on the account, use their online bill pay for at least one bill and use the debt card at least twe... |
Is Bank Of The Sierra a legit operation? |
If you leave your job, and have several days holiday left, how can you be sure to get them?
For example, you have a 1 months notice period, and you have 15 days holiday left, you probably can't use all of that, so should you be "paid" the days that you can't use?
Should it equate to 1 day of regular pay for each ... |
Cashing in unused holiday days, how not to get ripped off? |
The FDIC is pretty confident about them being legit.
[http://www2.fdic.gov/idasp/frmBankAtGlance.asp?inCert1=22597&Status=Y&InstName=BANK+OF+THE+SIERRA&Act_Num=&UNQNUM=15760][1]
You got to realize how much money they will make if you use them per the agreement. Every credit card / debit transaction gets them som... |
The FDIC is pretty confident about them being legit.
[http://www2.fdic.gov/idasp/main_bankfind.asp][1] (type in *Bank Of The Sierra* in the name field and search on that)
You got to realize how much money they will make if you use them per the agreement. Every credit card / debit transaction gets them some cash... |
I ran your assumptions through a similar spreadsheet I put together. Here's a chart:
![Comparing ending balances of two index funds with different fee structures][1]
The assumptions I used were:
- Fund 1, a mutual fund, having 1.00% MER and no commission to buy.
- Fund 2, an ETF, having 0.17% MER and $5.00... |
Cashing in unused holiday days when leaving a job: how not to get ripped off? [UK] |
From what I understand (I never had an RESP but would consider one for a future child), with the right type of withdrawal, you can use the RESP money for anything education related.
Basically, know that the RESP is considered to have three compartments within it: (1) your contributions, (2) contributions from the go... |
Bank of the Sierra: Are they legit? How can the checking interest APY be so high? |
Why do websites need to do that? It's all ritten in the title. Thanks in advance for any information on this. |
Is it legal to hire people to generate traffic on a website? |
Why do websites need to do that? It's all written in the title. Thanks in advance for any information on this. |
I think it's perfectly *legal.* Why not? I don't know that governments have or need to take a stance on the issue. Any issues arising from artificial traffic generation sound more to me like an industry concern (if at all) as opposed to something that needs to be controlled with legislation.
MrChrister makes a go... |
I've always dreamed of making it down to Australia to work, intentionally for the long term but would probably go for 1 year as a "trial" (or at least force myself to go that long)
What would the costs for this be? Has anyone done it?
Obviously would need to finance a flat, car, and living expenses, but what else... |
Working abroad, what is involved financially? |
Working abroad in Australia, what is involved financially and administratively? |
Is there a good options strategy that has a fairly low risk? It doesn't matter if it's complicated, has several legs, and requires margin. |
Is there a good options strategy that has a fairly low risk? |
I'm starting a home-based business and make very little. Do I have to worry about income tax? |
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