BEST OF THE BEST

ONLINE FINANCIAL TOOLS

By Hannah Dempsey and Ashley Allard

Apps! Hannah

TD Bank:
-This app helps you manage your bank account. With this app you can see you account balance, search for ATMs and report a stolen or lost credit or debt card.
-This app is reliable because TD bank is a reliable because TD banks is a trusted bank in the community.
-You should use this app to manage your account. This app should not be used to see how much money you can spend.
-Positives of this app include that you can manage your bank account and you always know how much money you have in your bank account.
Negatives of this app include by knowing how much money you have you might want to spend it. Also if you do not have a bank account with TD bank you can not use this app.
http://www.tdbank.com/personal/mobile_banking.html


Expenditure:
-This app helps you track all your expenses, It gives you the option to make different categories to keep track of different expenses(ex:Gas, Food, Cable, Clothes).
-This app is reliable because it has won many awards including awards from Apple App Store.
-You should only use this tool to manage your expenses and see if there is a place where you can cut back on expenses.
-Positives of this app include an easy way to track your expenses and also it looks pleasing.
-Negatives of this app include that the company is still working out some of the bugs to make this app better.
http://www.expenditureapp.com/


Ibank:
-This app shows your complete financial picture from anywhere at anytime.
-This app is reliable because its maker IGG Software is trusted by many companies.
-You should only use this app to keep track of your financial status.
-Positives of this app include how easy it is to use it and it really helps you stay in touch with your financial status.
-Negatives of this movie include the payment which is regularly for the amount of time you use this app.
http://www.iggsoftware.com/ibankforipad/index.php


Bloomberg App:
-This app allows you access to all of your finances, business news, marketing data, and portfolio tracking.
-This app is reliable because thousands of business people use it and trust it.
-You should use this app to keep track of your financial status and keep up with news on the economy.
-Positives of this app include the easy access to your finances
-Negatives of this app include that it needs a lot of access to things on your phone, for example your calender and wallet(This is for a Windows 8 phone).
http://www.bloomberg.com/mobile/bloomberg/


Mint App:
-This app organizes and categorizes your spending money.
-This app is reliable because all of the major economic newspapers have rated it as the best.
-You should use this app to keep track of your spending and see where every penny of your money goes.
-Positives of this app include the feature to make a plan and it helps you stick to it. This app also does most of the work of categorizing for you.
-negatives of this app include how you have to login for all accounts.
https://www.mint.com/?gclid=CJ799vD7t7gCFcue4AodTi8AMQ&cid=ppc_g_b_all_stan_us_mnt+us+brnd+pc+s_mtbrnd-us-pps-pc-s_Mint+app_e_c&priorityCode=6041300000&kw=Mint%20app&ef_id=n7lOTuYDdX8AAM-u:20130718021231:s


ARTICLES! Ashley

Bloomberg: Business Week : Markets and Finances

Summary: This website is filled with tons of articles to read. Readers can see many different tips and news from around the world. Bloomberg has 192 locations worldwide, giving accurate news from all over the world.

Reliable: Bloomberg is the first company in the history of this ranking to be named the top innovator two years in a row, this shows me that it is accurate and a reliable source.

Positives: These articles are from around the world and give advice and news to help plan for investing in the market and how to manage your finances.

Negatives: Some people might want articles just from the US not from the entire world, that way more topics relate to them.

http://www.businessweek.com/markets-and-finance


Daily Finance

Summary: This website has article to help your financial life. They have categories such as plan, save, spend, and invest. Under these categories are different plans or tips to help that area of your financial life.

Reliable: All of the staff have really good backgrounds and have big reputations as the work for AOL which is a reliable site.

Positives: They give great ideas and ways to help boost your financial life as they subcatergorize many different areas that then send you to tips and other articles on that subject!

Negatives: You can keep track of the things you do on this websites, you can practically plan out things. Such as buying a home or investing in a retirement plan. However in order to do this you must register to be a member.

http://www.dailyfinance.com/


Investopedia

Summary: Investopedia is an online encyclopedia about everything on money and finances. This site has many different articles on everything finances. You can search any topic and it will come up with different articles and information on that topic.

Reliable: Investopedia sources articles from nearly 200 writers located around the world with expertise ranging from active trading to frugal living and everything in between.

Positives: Investopedia has a dictionary, articles, videos and practically every tool a person looking to turn around their finances could want.

Negatives: You must be a member to acess the Stock Simulator, FXtrader, Quizzer and Net Worth.

http://www.investopedia.com/





Financial Planning Association

Summary: On this website they have a tool and resource section that has many articles listed into different sections. These sections have different articles about each topic. Some articles are about tips or just about the financial topic, and how to deal with them in your life.

Reliability: The Financial Planning Association is the largest membership organization for CFP professionals in the U.S. Also all members are certified financial planners.

Positives: This site breaks it down into many categories making it easier for someone to find information on a certain topic.

Negatives: This site does not cover as many topics as other websites do. Therefore you have a more of a limited amount of information.

http://www.fpanet.org/ToolsResources/ArticlesBooksChecklists/Articles/






MSN Money

Summary: MSN Money provides loads of information on everything finances. This website has articles on news, investing, careers, and personal finance. Under these categories are many subcatergories that lead to articles on just about everything. Also MSN money has a complete page on every company in the stock market.

Reliable: MSN is a popular site and is a go to site for many people. This site has a great reputation for their widely known huge company.

Positives: MSN allows people to find information on every subject about finances. They have articles, news , videos and more to help people understand the financial aspect of life.

Negatives: This website is not directed on a few topics such as other websites focus on. This can make it a little hard to navigate around the website because of the broad range of information.

http://money.msn.com/


CALCULATORS! Hannah

Daveramsey.com:
-This website offers an investing calculator.
-It is reliable because Dave the owner of the site has his own national TV show that millions watch.
-You should use this to see how much to invest and how much you should be paying every month for different items.
-Positives of this site include the options to take out monthly expenses.
-Negatives of this site include not a lot of options to take out every month. It only includes different types of food and drinks.
http://www.daveramsey.com/article/investing-calculator/lifeandmoney_investing/#/entry_form


UltimateCalculators.com:
-This website has all of the financial calculators you could ever need.
-It is reliable because millions of professors, business men and students use it on regular bases and love it.
-You should use this to calculate any of your financial questions an financial options
-Positives of this site include how easy it is to use and how there are several different options.
-Negatives of this site include there is no advise on financial situations on this site so you need to know what you are doing and also there are a lot of different options for you to choose for a calculator and it could get confusing.
http://www.ultimatecalculators.com/us_tax_calculator.html


Timevalue.com:
-This website can calculate all of your financial needs.
-It is reliable because banks, credit unions, accounting firms, mortgage companies and real estate companies use it on a daily basis.
-You should use this to calculate all of your financial questions and savings.
-Positives to this site include the many different calculators and ways to save and show your savings.
-Negatives to this site include how there are so many different options when it comes to calculating your finances and that can get confusing.
http://tcalc.timevalue.com/


Bankrate.com
-This website is used to calculate all of your loans or mortages and any other financial rates.
-This is reliable because all of the top 10 newspapers in the US depend on Bankrate.
-You should use this to cut on monthly expenses and keep track of them and also search for different loan prices.
-Positives of this site include how easy it is to use and all of the different choices.
-Negatives to this site include the fact that you need to know what you are talking about when you are trying to find a loan rate.
http://www.bankrate.com/calculators.aspx


Financialcalculators.com:
-Used to calculate different types of finances and show you how.
-This is reliable because banks and accountants use it and depend on it.
-You should use this to figure out loan/mortgage payments
-Positives of this site include that it shows you all the different calculators and how to use them.
-Negatives of this site include that is does not have a calculator for all of the different types of loans it only has it for some.
http://www.financialcalculators.com/


MAGAZINES/BLOGS! Ashley

Financial Advisor Magazine

Summary: This magazine has lots of tips and advice on financial plans and investing. This magazine is published monthly, all about finances.

Reliable: Many of their writers and publishers are very reliable because they have very strong backgrounds, some from Dow Jones Financial Corp.

Positives: This magazine is published monthly so information is constantly uptaded. And on their website they have lots of advice to help keep your finances on track!

Negatives: In order to get lots of the information you do have to subscribe for a cost to get the magazine.

http://www.fa-mag.com/about-us.html


American Banker Magazine

Summary: American Banker Magazine, the leading business management magazine, tackles all issues relevant to banks and their competitive standing in the financial services marketplace.

Reliable: They have 37,000 C-suite and executive level bankers. They also belong to Source Media a big company that has lots of magazines.

Positives: Readers gain insight into how to maximize shareholder value; generate new and greater line of business revenues year over year; maximize institutionally profitability; run more efficient operations firm wide; pursue growth, organic and otherwise; and influence the US and global economies.

Negatives: In order to get lots of the information you do have to subscribe for a cost to get the magazine.

http://www.americanbanker.com/


Financial Planning Magazine

Summary: This magazine has lots of news on a lot of financial subjects. These news articles give the latest updates on certain areas of our financial standpoints.

Reliable: This site gives expert advice and is also from Source Media a big and reliable source as it is home to many magazines.

Positives: It is issued every month which keeps the information up to date and has lots of news on financial subjects that everyday people need.

Negatives: In order to get lots of the information you do have to subscribe for a cost to get the magazine.

http://www.financial-planning.com/





Traders Magazine

Summary: This magazine is strictly for trading news. Use this for updated advice on stocks and the market.

Reliable: This site gives expert advice and is also from Source Media a big and reliable source as it is home to many magazines.

Positives: Really helpful for finding out news for the market and trading advice.

Negatives: In order to get lots of the information you do have to subscribe for a cost to get the magazine.

http://www.tradersmagazine.com/


Forbes Magazine

Summary: Forbes Magazine investing has all the latest and top news about our market and investing.

Reliable: Forbes magazine is a huge sucess and is well known for their top information at all times. This is most deffinently a reliable source.

Positives: You can track your investments on the website and can get all the latest news from the magazine.

Negatives: In order to get lots of the information you do have to subscribe for a cost to get the magazine.

http://www.forbes.com/investing/




NEWSPAPERS! Hannah

The Financial Times:
-This newspaper is used to keep people up to date with the economy in America.
-It is reliable because it has been trusted all over the world for the past 125 years.
-Positives of this newspaper is that it is free online.
-Negatives of this newspaper are that some of the articles are biases.

http://www.ft.com/home/us

Wall Street Journal:
-This newspaper writes about all of the stocks and how they did for the day.It shows you how your stock did and all on the other things happening on Wall Street.
-This is reliable because it is written by the Dow Jones & Company which is a big part of Wall Street.
-Positives of this newspaper are that it is very up to date.
-Negatives of this newspaper are that it does not focus on only the US economy it talks about other countries economies.
http://online.wsj.com/home-page


The New York Times:
-This newspaper has all of the major events that happened in the economy.
-This is a reliable source because it has won several different awards.
-Positives of this app include its reliability and articles.
-Negatives of this newspaper are the fact that it is not a newspaper that focuses on only the economy.
http://www.nytimes.com/pages/business/index.html


Miami Today:
-This newspaper gives all of the past weeks happenings of the economy.
-This newspaper is reliable because it has been trusted by the people of Miami for the past 30 years. Also it has won several awards.
-Positives of the newspaper include how accurate the articles are.
-Negatives are that this newspaper is only available in Miami unless you read it online.
http://www.miamitodaynews.com/


Washington Post:
-This newspaper writes about the everything that is happening in the economy.
-It is reliable because it has won several prizes.
-Positives of this newspaper are how it talks about how the economy is doing.
-Negatives of this newspaper is that it talks more about politics then it does about the economy.
http://www.washingtonpost.com/


WEBSITES! Ashley

How Stuff Works: Money

Summary: How Stuff Works is a great website to understand many of the financial topics. On this website they break down each subject a give you plenty of details to understand a certain topic.

Reliable: HowStuffWorks has won multiple Webby awards, was among Time Magazine's "25 Web Sites We Can't Live Without" in 2006 and 2007, and has been one of PC Magazine's "Top 100 Web Sites" four times, including in 2007.

Positives: This website has every topic and can help you figure out the basics of something that way you understand that way you are able to have a full understanding of your financial life.

Negatives: This website does not have tips or advice it simply tells you how stuff works.

http://money.howstuffworks.com/


Investopedia

Summary: Investopedia is an online encyclopedia about everything on money and finances. This site has many different articles on everything finances. You can search any topic and it will come up with different articles and information on that topic.

Reliable: Investopedia sources articles from nearly 200 writers located around the world with expertise ranging from active trading to frugal living and everything in between.

Positives: Investopedia has a dictionary, articles, videos and practically every tool a person looking to turn around their finances could want.

Negatives: You must be a member to acess the Stock Simulator, FXtrader, Quizzer and Net Worth.

http://www.investopedia.com/


Mint

Summary: Mint is an account that has all your financial accounts that you have on one site. This site also lets you access budget forms and goal making programs. This is a great site to have your whole financial life on.

Reliable: Exactly two years after launch, Mint was acquired by Intuit, makers of Quicken, QuickBooks and TurboTax. The acquisition brought Mint's unique personal financial management approach to millions more consumers and small businesses, as well as the 1,800 banks and credit unions serviced by Intuit.

Positives: Everything is on one website, easy and accessable.

Negatives: You must make an account and it is a little scary because all of your information is on one page in case of hackers.

https://www.mint.com/




Voyant

Summary: This website is a site for all of your financial planning in one place.

Reliable: Many people use this site and have given great reviews it is also sponsored by many companies.

Positives: This site is very beneficial if you need to get organized with your finances, by helping you plan it all out.

Negatives: You must have an account and it costs.

http://www.planwithvoyant.com/content/us/index.html






You Need A Budget

Summary: This website is a program that you have to download that helps you create a budget.

Reliable: Experts from all over the world are on this team that helped create and continuously update the program.

Positives: This is a great site to help build a budget when you dont know how to or need a more efficient one.

Negatives: This program does cost to download.

http://www.youneedabudget.com/