geo_en Technology

Personal Capital - Free Personal Finance Management Mobile App for your iPhone, iPad and Android devices

noreply@blogger.com (geo_en) — Fri, 15 Feb 2013 20:00:00 +0000

This post brought to you by Personal Capital. All opinions are 100% mine.

There is one challenge to earn a good income and there is another challenge to manage your personal finances. We are all very keen about the first but, even though we are also aware about the importance of the second; we hardly have time for it. Now, this is where Personal Capital comes in. Personal Capital brings current technology and financial expertise together with one goal in mind; to build a better money management experience for you.

Let's look at it this way. Imagine your financial life that is your income, spending, savings and investment performance, all in one place. And when I say all in one place I'm actually talking about your mobile device.

Personal Capital now offers you a 100% free application that runs on your iPhone, iPad and Android enabled device helping you to manage your money by giving you a holistic view of all your accounts. With this application, you can track your income, spending, savings and investment performance on your mobile device. The application also allows you to see where you could save money by identifying mutual fund fees.

Read more about iPad, iPhone, and Android Personal Capital Apps.

Personal Capital has a number of unrivalled functions that are just at your finger tips. These include the following:

Portfolio performance gives you control when it comes to your investments. It enables you to track you investments by account, asset or individual security. With portfolio performance you know what you own and how it is performing. Portfolio performance also helps you to pinpoint market movers and how your portfolio compares to major indices.

Asset allocation helps you discover just how diversified you are, that is where you are invested, from international stocks to bonds, from alternatives to cash, and also gives you the exact percentage of each asset class within your portfolio.

Mobile Apps opportunities help you track your finances at home and on the go making it easy to see account balance and transactions, plus investment performance, and market gainers and losers, no matter where you are.

Investment check up gives you an electronic way to pinpoint potential investment risks within your portfolio. With investment check up, you can identify mutual fund fees and see if you are on par with your financial goals.

401k fee organizer is another free tool that helps you find out if you are paying too much on 401k fees. With this tool, Personal Capital benchmarks your 401k against their own 0.5% plan and determine whether your plan is Red (over 2%), Yellow (1.01% - 2%), or Green (1% and below). And that's not all. Personal Capital also helps you do something about it.

Mutual fund fee calculator shows you just how much investment fee could cost you over time. You instantly get to know just how much your investments are costing you. Personal Capital helps you not only invest better, but also ultimately save you money.

Universal checkbook is easy to use and allows you to send money to anyone, anywhere with just a few swipes and taps on your smart phone or tablet.

One thing I really like about Personal Capital is that it offers more solutions in one application, and that the application is absolutely free. With Personal Capital you get all your accounts in one place, you get real time updates, they help you make smarter decisions, unbiased financial advice, able to track your net worth, high safety and security measures, and fraud protection using military-grade encrypted algorithms.

Going back to the second challenge that we mentioned earlier - managing your personal finances, Personal Capital brings a set of free tools right at your finger tips that help you shape up and improve your financial state. Some common good practices to better personal finance management include: keeping up a list of all your financial aspects, making a budget, tracking your spending and setting saving goals. Traditionally, we may use a pen and a note book. Some use electronic documents on their computers. But with Personal Capital Apps it is easier than you thought it would be.

Personal Capital Apps help you track all your accounts in one place, it gives you tools to easily make a budget, track your spending, see your largest expenses, set saving goals, and easily view all your transactions with Personal Capital cash manager.

You can also maximize the amount of money you have with Personal Capital by simply investing with Personal Capital advisors.

Why Invest with Personal Capital Advisors?

The answer is straight forward. They have experience successfully managing billions of dollars for individuals and large institutions. They use the right approach. You get the right portfolio. You get the right relationship. And, they take confusion out of your financial life by providing you with sound financial education.

As for personal finance management, what more would anyone ask for? Or, let me ask you this: what exactly are you waiting for? It's easy to sign up and download the Personal Capital App for you mobile devices. Note that the App is compatible with iOS for your iPhone, iPad and also your Android devices.

Personal Capital Benefits

Personal Capital Benefits from Personal Capital on Vimeo.

Is Java the new threat?

noreply@blogger.com (geo_en) — Sun, 13 Jan 2013 21:05:00 +0000

We all know what Java is to our computing experience. With Java installed on your computer or mobile device, you can play games online, chat with people around the world, view images in 3D, calculate your mortgage interest, and this is just but to mention a few.

What is Java?

Java is the powerful programming or technical language that allows computer programmers to write a wide variety of Internet applications and other software programs that can runs on just about any computer's Operating System. Java is also the computing platform, or the underlying technology that powers state-of-the-art programs including utilities, games and business applications.

The new threat

Late on Thursday, 10^th, this month, the US Department of Homeland Security advised US citizen to temporarily disable Java on their web browsers. As sources state, this was a followup by concerns raised by computer security experts.

There were no immediate comments from Oracle Corp, which is the current owner of Java, until late Friday, when Oracle released a statement saying that: "A fix will be available shortly."

So what is the actual problem?

According to security experts, hackers had found a flaw in Java's coding and figured out how to exploit the bug in a version of Java used with Internet browsers to install malicious software on PCs. This has enabled them to commit crimes from identity theft to making an infected computer part of an ad-hoc computer network that can be used to attack websites.

Oracle, which acquired Sun Microsystems in 2009, is supposed to release Java updates next week starting tomorrow. But before this more than 850 million PCs, number of computers that use Java, are at risk if they do not disable or uninstall the plug-in immediately.

Right now, I have Java disabled on my PC until further notice. What about you?

I just can't let go Blogging

noreply@blogger.com (geo_en) — Sun, 13 Jan 2013 16:47:00 +0000

A few years back I was a dedicated blogger until something happened. I stumbled on something new. Something equally interesting as blogging. But a little more demanding, creative and advanced... Web design and development.

For two years now, I have been working as a freelance web developer and this has been taking so much of my time. I have been working from home and as a result I have been working day in day out. But, this year I have my old resolution back to live.That is to spend quality time blogging. So even though I'll still continue with my work, because I love it too, I'm going to put quality time a side for blogging.

Do you also have blogging as part of your resolution this year?

Glossary - Blog

noreply@blogger.com (geo_en) — Fri, 25 Nov 2011 11:19:00 +0000

A Blog, or Weblog, is a hierarchy of text, images, media objects and data, arranged cronologically, that can be viewed using a web browser.

"A Blog is an online personal diary. A daily pulpit. A collaborative space. A political soapbox. A breaking news outlet. A collections of links. Your own private thoughts. Memos to the world."

an anonymous writer

Glossary - Cusomer-to-Consumer (C2C)

noreply@blogger.com (geo_en) — Fri, 25 Nov 2011 11:11:00 +0000

Cusomer-to-Consumer (C2C) is transaction between a consumer and othr consumers, mostly through online auction.

A good example is eBay, which is an American online consumer-to-consumer corporation that manages an online auction and shopping site.

Glossary - Consumer-to-Business (C2B)

noreply@blogger.com (geo_en) — Fri, 25 Nov 2011 11:02:00 +0000

Consumer-to-Business (C2B) is a means through which consumers decide what they want to pay, and the vendor decides whether or not to accept. This is also called reverse auction.

An example of C2B is where consumers form groups to strengthen their bargain, and the vendor gives in to the large number of purchases.

Glossary - Business-to-Consumer (B2C)

noreply@blogger.com (geo_en) — Fri, 25 Nov 2011 10:54:00 +0000

Business-to-Consumer (B2C) is a transaction that occurs between a company and a consumer. The term may also describe a company that provides goods or services to consumers.

The online version of B2C is where the transaction takes place on the Internet, or by electronic means.

Glossary - Business-to-Business (B2B)

noreply@blogger.com (geo_en) — Fri, 25 Nov 2011 10:37:00 +0000

Business-to-business (B2B) is the exchange of products, services, or information between businesses. From an online perspective, B2B is e-commerce between businesses.

An earlier and much more limited kind of B2B prior to the Internet was Electronic Data Interchange (EDI).

Glossary - Marketspace

noreply@blogger.com (geo_en) — Thu, 24 Nov 2011 11:56:00 +0000

Marketspace is a virtual market place such as the Internet in which no direct contact occurs between buyers and sellers.

Glossary - Decision Support Systems

noreply@blogger.com (geo_en) — Thu, 24 Nov 2011 11:50:00 +0000

Decision support systems are computer systems that store data and transform them into accessible information.
These include databases and softwares.

Glossary - Data Warehousing (or mining)

noreply@blogger.com (geo_en) — Thu, 24 Nov 2011 11:43:00 +0000

Data warehousing, or data mining is the storage and analysis of customer data gathered from their visits to websites for classification and modeling purpose so that products, promotions, and price can be tailored to the specific needs of individual customers.
This is the use of powerful computers to work through large volumes of data to discover purchasing patterns among an organization's customers.

Glossary - EDI

noreply@blogger.com (geo_en) — Thu, 24 Nov 2011 11:37:00 +0000

Electronic Data Interchange (EDI) is an electronic link between suppliers, manufacturers, wholesalers, distributors and retailers that allows the exchange of structured data, by agreed message standards, between the computer systems of these trading partners.

Glossary - Cookies

noreply@blogger.com (geo_en) — Thu, 24 Nov 2011 11:30:00 +0000

Cookies are bits of information about website visitors created by websites and stored by client computers.

Glossary - Clicks and Mortars

noreply@blogger.com (geo_en) — Wed, 23 Nov 2011 13:04:00 +0000

Clicks and mortars are online retailing business who also have physical retail stores complementing the online ones.
Bricks and mortars, on the other hand, are physical retail stores.

Glossary - e-CRM

noreply@blogger.com (geo_en) — Fri, 11 Nov 2011 11:25:00 +0000

Electronic Customer Relations (e-CRM) is using digital communication technologies to maximize sales to existing customers and encourage usage of online services.

The concept is an online approach to the traditional Customer Relations Management (CRM) which is defined as the approach to building and sustaining long-term relationships with customers.

Glossary - Web 2.0 Concept

noreply@blogger.com (geo_en) — Fri, 11 Nov 2011 10:56:00 +0000

Web 2.0 refers to a collection of web services which facilitate behaviors online such as community participation and user generated content, rating and tagging.

Blogging Tips: Be Cautious at third party 'Expert' Advises

noreply@blogger.com (geo_en) — Tue, 08 Nov 2011 13:10:00 +0000

Even though most of the third party information that we pick around from Web 2.0 may be helpful, a good number of them can be misleading. As a Blogger you should be cautious, especially when you are stuck and looking for a way out.

The routine

It all starts when what we think we kow begins to show that we don't know it yet. All of a sudden, we become frustrated at the fact that blogging is not as easy as we initially thought it to be, or, as we were initially told it is. This can be a time when you want to integrate that cool social media button to automatically appear below all your posts, or, that time when you don't want your adSense unit on the sidebar anymore, rather, inside the content of your posts.

The next step is finding a solution, and we always want it to be fast, easy and straight forward. So, we get down to the search engines. The high ranking results take us directly to either groups, forums or Yahoo answes, and, the first few comments... That's it!

Reasons

Some good reasons that explain why you should be cautious include:

The Internet is just full of experts.
We interact with all kind of people online, including those who may want to mislead you intentionally.
Some people do strange things that only work for them - as they claim. They are very kind to share the tips too!

My advise

Take your time, research and make a list of a few trusted sites that you can run to for help.
Always pay attention to details and seek clarity where you don't understand.
If you use Blogger, the Blogger help should not be taken for granted.

Glossary Definitions: U -Z

noreply@blogger.com (geo_en) — Tue, 05 Jul 2011 15:26:00 +0000

Glossary | U - Z

This Glossary section lists terms that start with letters between U and Z.

Each term below links to a post that gives you:

The definition of the term in details.
Quotation of Wikipedia's definition and a link to the respective reference page.
Links to other related terms which are handled in the same manner.

List of Terms

Web 2.0 concept

Glossary Definitions: P - T

noreply@blogger.com (geo_en) — Tue, 05 Jul 2011 15:25:00 +0000

Glossary | P - T

This Glossary section lists terms that start with letters between P and T.

Each term below links to a post that gives you:

The definition of the term in details.
Quotation of Wikipedia's definition and a link to the respective reference page.
Links to other related terms which are handled in the same manner.

List of Terms

[Watch out for this space]

Glossary Definitions: K - O

noreply@blogger.com (geo_en) — Tue, 05 Jul 2011 15:24:00 +0000

Glossary | K - O

This Glossary section lists terms that start with letters between K and O.

Each term below links to a post that gives you:

The definition of the term in details.
Quotation of Wikipedia's definition and a link to the respective reference page.
Links to other related terms which are handled in the same manner.

List of Terms

[Watch out for this space]

Glossary Definitions: F - J

noreply@blogger.com (geo_en) — Tue, 05 Jul 2011 15:22:00 +0000

Glossary | F - J

This Glossary section lists terms that start with letters between F and J.

Each term below links to a post that gives you:

The definition of the term in details.
Quotation of Wikipedia's definition and a link to the respective reference page.
Links to other related terms which are handled in the same manner.

List of Terms

[Watch out for this space]

Glossary Definitions: A - E

noreply@blogger.com (geo_en) — Tue, 05 Jul 2011 15:20:00 +0000

Glossary | A - E

This Glossary section lists terms that start with letters between A and E.

Each term below links to a post that gives you:

The definition of the term in details.
Quotation of Wikipedia's definition and a link to the respective reference page.
Links to other related terms which are handled in the same manner.

List of Terms

e-CRM (Electronic Customer Relations Management)

FAQ - Social Networking

noreply@blogger.com (geo_en) — Sat, 02 Jul 2011 10:51:00 +0000

FAQs > Social Networking

Below are Frequently Asked Questions on Social Networking.

Each question is a link to a post that gives you:

Brief, detailed and thoroughly research answers to the questions.
Links to related Glossary definitions of relevant terms that have been used in the answers.
And, a link to any similar question which is handled in the same manner.

FAQs List

[Watch out for this space]

FAQ - E-Commerce and E-Business

noreply@blogger.com (geo_en) — Sat, 02 Jul 2011 10:02:00 +0000

FAQs > E-Commerce and E-Business

Below are Frequently Asked Questions on E-Commerce and E-Business.

Each question is a link to a post that gives you:

Brief, detailed and thoroughly research answers to the questions.
Links to related Glossary definitions of relevant terms that have been used in the answers.
And, a link to any similar question which is handled in the same manner.

FAQs List

[Watch out for this space]

One Secret Affiliate marketers Overlook

noreply@blogger.com (geo_en) — Tue, 15 Feb 2011 14:44:00 +0000

Affiliate marketing is the first Internet marketing option that new internet marketers commonly opt for. This is mostly because it is the easiest to start and maintain. It is also a good first internet marketing decision because here is where you learn the pros and cons, if not the ups and downs, of the marketing practice without taking so much risk.

On the other hand, there is one thing that most people overlook about affiliate marketing. Most people take affiliate marketing to be a totally new isolated field, one that exists on its own. The misconception is that you don't need any experience to do it.

What is affiliate marketing?
This is a very good question. It is a question we should ask ourselves before signing up for any of the affiliate programs like Amazon Associates program.

Affiliate marketing is a marketing practice in which a business rewards one or more affiliates (an agent who links back to the e-commerce site e.g. Amazon, Clickbank, with the goal of making commission for referred sales) for each visitor or customer brought by the affiliate's own efforts.

If you are paying attention you must have just realized that the word 'marketing' is in bold. This is simply because Marketing is that secret, what we overlook, that I am talking about.

Correcting the misconception
You don't just need a site to qualify to be an affiliate marketer, you need marketing skills. With at least the basics of marketing, an affiliate marketer will know that:

He/she needs a good product to market.
The prices of the products should be good, reasonable and acceptable.
Sound promotion is essential.
The place to market the products matters a lot.

The four points above make what is called the 4 P's of Marketing: Product, Price, Place and Promotion.