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1. Power, Influence and Persuasion: Sell Your Ideas and Make Things Happen; Harvard Busines Essentials
2. Entrepreneur’s Toolkit; Harvard Business Essentials
3. Getting Started in Consulting; Alan Weiss
4. Making Great Decisions in Business and Life; David R. Henderson, Charles L. Hooper
5. Mindfulness; Ellen J. Langer Ph.D.
6. The Trusted Advisor; Maister, Green, Galford
7. Personal Finance for Dummies; Eric Tyson
8. MarketBusters: 40 Strategic Moves That Drive Exceptional Business Growth; Rita Gunther McGrath
9. The Mayo Clinic Plan: 10 Essential Steps to a Better Body & Healthier LifeMayo Clinic
10. Zaboravite pravila; Marcus Buckingham, Curt Coffman
11. Kapitalizam i sloboda; Milton Friedman
12. Mali princ; Antoine de Saint-Exupery
13. Asertivnost – veštine vladanja sobom; Jezdimir Zdravković
14. Šta je sreća; Fernando Trijas de Bes, Alex Rovira
15. The Art of Possibility: Transforming Professional and Personal Life; Rosamund Stone Zander, Benjamin Zander
16. Misli; Marko Aurelije
17. Information Rules: A Strategic Guide to the Network Economy; Carl Shapiro, Hal R. Varian

Personal Finance Software -Which One is Best?

Personal finance software don’t just make your life easier but they also give you more control over your finances. No longer do calculations by hand, once you have the program set up you automate most of your transactions. Below we will help you determine which personal finance software will best fit your needs.

When you work with any personal finance software, the safety and security of your data is a major consideration. Security is especially important if you’re using a web based service, as your information is then online. When registering for one of these services, always create a new and complicated password. Downloading a personal finance program is generally more secure than using an online one, but if you do this be sure that you have at least one extra copy of everything in case of a computer problem. There’s always the possibility that a hard drive can crash, so you want to be sure to have the information stored somewhere else as well. You can either use a trusted online storage service or an external backup system to store your information.

YNAB stands for You Need A Budget, and this is the name of a popular software program that works with just about every operating system you might have, including Windows, Mac and Linux. It’s features, ease of use and overall functionality have earned YNAB some fantastic rave reviews among consumers. This isn’t your average program, it’s also a teacher of the basic rules of budgeting.

The four rules of cash flow are the basis for hits program helping you get out of debt, control expenses and improve your financial situation. Included with this program are live classes, and tutorials among other helpful resources and support services. Considering everything it does, YNAB is a good value for its price tag.

You’ve almost certainly heard of Quicken, but did you know that Intuit, the company that makes it, also offers a free financial service called Mint? It’s not hard to set up Mint, which is an application you access online. One useful feature of this service is that you can use it from any device that gives you internet access. Not only does it help you manage your everyday expenses, there are resources to help you save and invest money for long term gain. If you use Mint, you’ll have to be willing to look at some advertising in exchange for using this free service. Mint is also limited to U.S. based financial institutions in its operations, so it’s not an international platform. Mint has many advantages, as its features are comparable with those of many programs that cost money to buy.

In the end there are bound to be one of the many software options available that fits your personal needs. Carefully consider what you need you software to do and you will be able to find one with the right features for you. This information should point you in the right direction to discover the right personal financial software for you. Once you choose a program be sure to get it up and running quickly so you can enjoy the added benefits of tracking your finances.

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Don’t let your finances freak you out


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This button at the bottom of pages on wesabe.com takes you to a nice montage of puppy or kitten photos from flickr anytime you get too stressed wrangling with your personal finances. Nice touch.

Do You Know What to Look for in Personal Finance Software

Many have found that the use of personal finance software is not complicated and quite useful for tracking your household budget. Yet some programs are better than others, and you have to choose one that does what you need it to do. There are choices of simple to more advanced, some web based, some downloadable and others meant for tracking investments. I will help you here in this article with some hints for finding the best personal finance software for your needs.

Notwithstanding your exact financial ambitions, you surely wish for personal finance software which will make your life easier. Although, if you use it the right way, it can do more than just automate assignments that you’d otherwise need to weigh on your own. It can also aid you in bettering your financial circumstances by letting you see precisely what’s happening. You can have instant access to all the applicable numbers, like your expenses, income, bills, bank accounts and investments. So if you purchase a personal finance program, make sure you make full use of it so that you can enjoy the true advantages it offers.

There are many personal finance software to consider, and one good one you might not have heard of is Moneydance. This program allows you to access all the features from one page, so it’s quite user friendly. You can easily add or delete accounts, and you have a neat summary of all your information in one place. Some of the tasks it can help you with include online bill paying and advising you about making important financial matters. Best of all, you can use this software for free for your first 100 transactions. This will give you a lot of time to decide if you want to buy it or not.

Quicken Starter Edition 2011 is a good choice if you’re looking for a simple to use yet robust budgeting and money management software. One of the best known names in financial software, this edition of Quicken is designed for the end user who wishes to gain control over their personal finances. Not only can you organize your household budget with ease but you can also track you bank accounts and credit cards. Another added feature is bill reminders so you can avoid late fees. You can even make end of year taxes easier by linking your system up with Turbo Tax. Not only this is software  easy to use it also comes with guided setup features. Quicken Deluxe 2011 is available for those who need their software to have some more advanced features.

Personal finance software come in an array of appearances, to online services to phone apps. A high number of these programs are incredibly powerful and effective if you take the time to get to know each of its characteristics. The programs I’ve talked about in this article are the ones you might discover valuable, although you should check out many of them to decide which one has everything you need. Personal finance software can aid you in having a greater understanding of your finances, and this can be a comfort for you.

Personal Finance: Helps you to Keep your Finances Well

When you are shopping for Personal Finance, it happens to be important for you to know what you need. You get choices in between secured and unsecured of finance. Both the modes of accessing the money provision make it feasible to every borrower. Homeowners get lower interest rates, but this form of financing is done on their house. So if you end up in arrears, you could end up homeless. The money provision enables you to keep borrowing or to pay back large sums wherever you require when you require. With the help of this, your car purchasing plan gets easy with your dream drive. In addition to this, the taken amount is repaid at the end of the loan term. You can pay off the expense of your holiday and wedding. And importantly, people can invest the amount to repay their debts and dues.

Financing costs are paid when you applied for it. The cost includes the whole application and approval process. It is required that you may take in mind how much finance will cost. Besides this, you should also know this that there are some factors which determine the amount of the financing. These factors are as:

• your current income.

• your credit status.

• Interest rate of the existing mortgage.

If you want to finance at the lower monthly cost, you will need to stay in your home for several years to gain the cost of financing. Though you can take out the provisions through the other mode too i.e., unsecured form. For that, you do not have to place any of your worth asset as of guarantee for you loan repayment. But, securing such money provisions takes a little more time of yours.

That too is not a big deal anymore. Numerous lenders are going in for this prospect. As a result, it has given rise the existing competition amongst lenders. However, for your fast processing and easy approval, there is an online loan provision too. You can apply for such personal finance online. Only a simple online application form is filled in and in the corner of the day the fund is ready.

How-To Use the Quicken Register and Track Transactions. Learn more about using the Quicken register to track and organize your transactions. Customize the register to resize and hide columns to see only what you want. New features make using the Quicken register easier than ever. Visit Quicken.Intuit.com

Simple Personal Finance Checklist – Consider yourself as a Business

Why would you not consider yourself a business of ONE person? Or your family as a business of 3 or more people? Well that is exactly what you are – “Me Incorporated”, “I Inc”, “We Incorporated”. You truly must consider yourself a small family business. Like any business you have ongoing expenses (mortgage, rent, utilities, groceries), revenue (salary and other income) and major capital expenditures (house, vehicle, vacations, renovations).

Like any good ‘household business’, you need to do some planning. Set out a budget for the year, track your expenditures and retained earnings (savings). Yes, all of this looks, feels and is exactly like a well run business. On My Gosh! Don’t rush out and buy an accounting package to run your household. And no need to take a crash course on accounting or bookkeeping. You can accomplish all your financial tracking and planning requirements with some paper or by using a simple template with your favorite spreadsheet package – Microsoft Excel or even with Open Office.

Just like a well run business, your household budget and tracking your spending is best served using a visible record of events; namely, financial records, bank or check register. It is just like tracking your road trip progress using a map. If you know where you are now, then you will have some idea when you will arrive at your destination. In life, money or finances allows you to get to your personal destinations or dreams. A visible financial roadmap of your ‘Me Incorporated’ finances, mapping your progress, seems logical.

Running your ‘Household Business’, like corporate business, requires a few processes to keep track of your finances:

1) Establish a yearly and monthly household budget. Consider all your expenses – weekly, monthly, quarterly and yearly outlays of money. You will be surprised at the length of this list and all the places you spend your money.

2) Track monthly your actually spending and income against the budget you established in step 1. This will help you see the ‘peaks and valleys’ of spending or seasonality aspect of your expenses. Over time, you will come to know these expense ‘peaks and valleys’ and this will help you maintain a positive cash flow. Bottom line: have money in the bank to pay all your expenses and still have some left over (retained earnings). Your single biggest challenge in running any household (or business) is always having enough money in the bank to pay the bills; especially, the unexpected ones. Having a buffer of savings will help with these ‘peaks’ in expenses.

3) Track all your bank account activity. Track and enter in your Bank or Check Register every deposit, every electronic (ATM, web, PayPal, debit machine) transaction and every analog (check, money order) withdrawal. And reconcile your bank statement every month. Know exactly how much money you have available in your bank account(s).

4) Especially track your spending through credit cards and lines of credit. These are potentially the ‘run away’ expenses. Remember only once a month do you see the visible record of your credit card spending. Compound that with the fact that most people have more than one credit card. This can easily result in multiple ‘spending surprises’ each month. Be diligent in tracking your use of credit card transactions. Breakdown the credit card expenses into their respective budget items – gas, groceries, clothing, entertainment, etc. This will help you separate normal household expenditures from other shopping incidentals. You will come to see your spending patterns and can now make adjustments. Just like your bank account, reconcile your credit card statement every month.

All this personal bookkeeping every month can be done with pen and paper or set up a personal finance and budgeting template using your favorite spreadsheet software. Using an electronic spreadsheet allows for all of the mundane calculations to be processed automatically, reducing monthly reconciliations to a simple 5-10 minute endeavour. Whether you choose an analog or digital approach to your personal finance bookkeeping, these visible records are the most effective way to plan and control your personal finances and reduce one of the major stress points in your life – Your Financial Health.

Just in case you don’t know who Jordan Goodman is…. Jordan E. Goodman is “America’s Money Answers Man” and a nationally-recognized expert on personal finance. He is a regular contributor to Public Radio International’s The Marketplace Morning Report and is a daily guest on radio and television call-in shows across the country, answering questions on personal financial topics. He appears frequently on NBC’s The Today Show, PBS, MSNBC, CNN, CNBC, and Nightline. For 18 years, Mr. Goodman was on the editorial staff of Money magazine, where he served as Wall Street correspondent. While at Money, Mr.Goodman reported and wrote on virtually every aspect of personal finance. In addition, he served as weekly financial analyst on NBC News at Sunrise for 9 years and the daily business news commentator on Mutual Broadcasting Systems America in the Morning show for 8 years. He is the author / co-author of three best-selling books on personal finance including Everyone’s Money Book (over 200000 copies sold) and Barron’s Dictionary of Finance and Investment Terms and The Money Answers Dictionary. His upcoming books are 6 special focus editions of Everyone’s Money Book on College, Credit, Financial Planning, Real Estate, Retirement Planning and Stocks, Bonds and Mutual Funds. Jordan is also a speaker and seminar leader on personal finance topics for business executives, students, associations, investment clubs, employees and others.
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Creating an Effective Personal Finance Budget

A Personal finance software is the most progressive solution that you can get with your limited or extended cash options. The easiest to use personal finance software with which you can manage your personal finances is Desktop Budget. You can create your own customized financial budget using this new accounting software. You can record the monthly as well as annual income and expenditures to keep you focused on your expenses. This will enable you to be on guard against spending outside your means. Be it your retirement plans or your expenses on your children’s education personal budgeting will keep you in sync with your resources. It helps you to analyze your spending and savings habits. You will also be informed of the latest currency exchange rates. As these types of budgeting offers calculators you can calculate the loan amount without depending on others. It offers a tabular representation which makes it easy to process and calculate future payments. Your day to day financial activities are recorded for future references. A Personal finance manager alone can guide you through this imbroglio.

This will help you to stay off from indulging in unwanted expenses. Its effective personal debt management keeps track of your expenses and guards you against falling into debt trap. It will also introduce you to many insurance policies and funds that will enable you to save for a rainy day. A personal finance software is a reliable tool and is like a good friend who will warn you of lurking danger. Your life will be secured if you give the reins to the personal finance manager. Expenses are numerous and it needs the ingenuity of a useful tool to track down. Expenses like house help, grocery, medical help, laundry, basic amenities, phone, mobile, transportation that contribute to the household expenses and the Lifestyle expenses include expenses on newspaper, clothing, entertainment books, personal care, eating out, travel, holiday, and club or gym membership all get incorporated in personal finance.