I keep my budget on a spreadsheet.  I can log into my bank and view my savings, checking, and retirement accounts, as well as my loans.  Why would I want to expend the (seemingly significant) extra effort and use financial software?
120664
What are the best software tools for personal finance?    Please list what you like about the software you use.
123445
I'm looking into developing an ordering app for a potential client. The main part that I'm concerned about in this question is the payment mechanism. I would assume that there are already multiple plugins or similar programs out there, but I'm not sure where (or if) I should be asking for recommendations.
38209
I have just discovered that my local bank, Nordea, has decided to remove the only good thing about their entire operation: the so-called "simplified login" feature on their website, which allows (soon allowed) the customer to log in to a kind of very limited "read-only" mode which basically just allowed you to see your current balance, the last few transactions (limited descriptions) and see whether or not there are any new "customer support messages", but not read those messages, not make any kind of payments, edit accounts, etc.  Now, they will only allow "full" logins, which 100% prevents any kind of automation and requires you to sit with a hardware device and enter numbers into it and then into the webpage before it allows you to see as much as your account balance. Other than being very obnoxious for every customer, it also blocks me and other "advanced" users out from our custom-programmed bots which have always regularly logged in with that "simplified" login method just to regexp out the current balance/new messages and then notify us via whatever mechanism we use privately.  I have previously asked them if they have any kind of JSON/RSS API of any kind, but no. They don't even have as much as e-mail notifications! Nothing except their spyware "smartphone app" which I would never install, nor would I ever allow such a surveillance device to track me 24/7 in the first place. Only by being a registered corporation with special, way more costly account types do you get any kind of "API" access from them, even to do this most basic imaginable task.  Before you tell me to switch banks, the others are at least just as bad (even worse from what I can tell, and for a longer time), and the act of switching banks is practically impossible for me personally.  What I'm asking is if maybe somebody knows of some sort of "hidden standard" or something which all banks in the world support, but don't have documented, for people like me to automate basic things such as knowing my account balance. Needless to say, I have looked for this countless times on their website, asked them about it, and asked other people about it. Nobody seems to know anything, or, if they do, won't tell me.  I know that there are a bunch of "Nordea-supporting" PHP libraries and whatnot on Github, but they are all ancient and even if they were up to date, they were most likely using the same method as I have been using: automating the login process through their "simplified login" mechanism, which is "soon" to be gone. (Probably at new year; they didn't even mention any dates or time frames.)  And yes, I have a Bitcoin wallet and have that fully automated. The problem is that virtually nobody else in the world cares about my Bitcoin, so "switching to Bitcoin" remains a pipe dream which I would be ready to do, but the world clearly isn't.
95718
I have my brokerage business with one particular well-known US brokerage house. I find being able to access my retirement accounts and personal investment accounts through the one interface useful.  However, I was talking with a friend of mine and she said she never puts more than about $50k into any particular brokerage account.  Managing three or four such accounts seems like too much overhead for me. I'd prefer to spend my "investment time" reading up on my investments and researching new ones.  One reason to have more than one brokerage account with different houses is the issue of  insurance:     Within limits, SIPC expedites the return of missing customer property by protecting each customer up to $500,000 for securities and cash (including a $250,000 limit for cash only).   What other reasons could I have to use more than one brokerage account?
115071
A client wants to "Web-enable" a spreadsheet calculation -- the user to specify the values of certain cells, then show them the resulting values in other cells.  (They do NOT want to show the user a "spreadsheet-like" interface. This is not a UI question.)  They have a huge spreadsheet with lots of calculations over many, many sheets.  But, in the end, only two things matter -- (1) you put numbers in a couple cells on one sheet, and (2) you get corresponding numbers off a couple cells in another sheet.  The rest of it is a black box.  I want to present a UI to the user to enter the numbers they want, then I'd like to programatically open the Excel file, set the numbers, tell it to re-calc, and read the result out.  Is this possible/advisable?  Is there a commercial component that makes this easier?  Are their pitfalls I'm not considering?  (I know I can use Office Automation to do this, but I know it's not recommended to do that server-side, since it tries to run in the context of a user, etc.)  A lot of people are saying I need to recreate the formulas in code.  However, this would be staggeringly complex.
71367
I was on Instagram and saw someone's post about making extra cash.  I inboxed her for details and she said her manager will deposit funds into my account, then I would send them $2000 to split between the both of them.  She stated that I would need to overnight my bankcard to her so her manager can process the deposit.  She didn't ask for anything (neither SSN nor routing or account number) but the bank card only.  I assume that it is a scam.  Can anyone elaborate on this type of scam?  She claim it's not a scam.
24816
It always takes a  and money to find the next . Why is it so important to do this work and what is the application those numbers?
39904
This is a  about Monitoring Software. Also Related:   I need to monitor my servers; what do I need to consider when deciding on a monitoring solution?
123585
I know about the Easy Transfer tool included in Windows 7 that will transfer all my files but I want to transfer my programs. Also, I don't want to buy any gimmicky program if I don't have to.
6093
I once , but that was . Now, , and they have , but where's the business model? The  its own Q&amp;A about its site (since it wasn't included in the ), and just about the only dig in there that halfway has merit is the business model dig:  We switched to a premium model to keep out of the Venture Capital business (been there, done that, got the t-shirt). Companies like StackExchange couldn't do it without the VC cookie jar. Where's the model? Huh, Spolsky? (I’m sorry. Did that slip out?)  It hurt, but I can't help but wonder if they're on to something.  How would Stack Overflow Internet Services pay back the VCs? Ad revenue alone?  There is only one 'paid' product, Stack Overflow careers, but it doesn't seem like that could sustain a business as large as Stack Overflow (Joel once mentioned on his blog that his jobs board brought in an extra million a year in revenue). So what does Stack Overflow do when the VC cash runs out? Is this a get-big-and-take-the-company-public maneuver? Is that the only viable business model for Stack Exchange? Edit: With the size of Stack Overflow's team, it isn't a stretch to say that payroll is at least $2 million  a year, probably as much as 4 when you think about benefits (average 120K for a developer in New York City; x2 for benefits/taxes/all-that-other-good-stuff). Office space can't be cheap, so how long does $6 million last before you need another VC infusion?
64831
Good morning, please, has anyone used logins audit without using the Profile?  My client needs an audit that displays the logins that connected to the bank and after they disconnected.  In the case the profiler believe it is too heavy to keep active all the time collecting.  Do you have anything that might help us in this case?  thank you Carol Lavecchia
20117
I have an HSA that allows me to invest the money in the account in the stock market. Any money not invested is available to be used for health expenses. I currently have ~50% of the total balance of the HSA invested, with the other ~50% on hand for expenses.  I've run into a situation where the ~50% on hand for expenses does not cover all of my current expenses. To cover the remaining costs, should I sell off my the HSA investments or should I leave those as is and use money from my savings account?  I'm trying to determine if the tax advantages of the HSA combined with the returns the invested money is seeing is worth me leaving that money alone - and instead, take the money from my savings account to cover the costs.
30339
We currently have two rewards checking accounts.  We are nearing the maximums permitted on each account, after which we receive .5% and .25% APY.  It's within our means to perhaps open another one, but at that point we are looking at using our debit cards 50 to 55 times a month.  I feel that running that number of debit transactions is getting out of hands as it's just the two of us.  I realize there are easy ways to game the system, but I want these things to stay around and another person doing just such that could lead to the ends of these accounts.  We are saving towards a new house down payment.  As such we don't require these funds to be fully liquid, but would still like to remain free of as much risk as possible -- however I realize we are unlikely to find anything near our rewards checking accounts (4% APY interest for meeting various rules: direct deposit, a certain number of debit card transactions, and not receiving a paper statement), but would hope we can get at least half of that.  We aren't fully sure when we will be buying, but we are probably a couple of years out.  For that reason I don't think CDs would work.  Even if we ladder them, when we need the money we will need it pretty much instantly.  Do I bite the bullet and just find the best available money market account?  What other options do I have that let me deposit monthly, and not have a timebomb associated to accessing that money that isn't in the initial lump sum?
9810
One specific (popular online) bank is offering a 9 month 1.25% CD, while it's savings account is 1.90%.  There's no way I see interest rates tumbling in the next nine months, so why should I -- why should anyone -- get a 1.25% CD when savings accounts are paying 52% more interest?  (This question is not specific to this particular bank at this particular time.  It's about the general practice of buying low-rate CDs when savings accounts have a higher rate.)
80068
I want to be able to compare to large spreadsheets side by side...  Since you can not natively expand to all monitors I would like to have the two documents open in two instances.  These files are links on Sharepoint.
37312
How do I stop Numbers from being the default program when a financial file is downloaded or imported?
30861
So I know that:   Employer-sponsored HSA's allow you to deduct contributions directly from your paycheck, pre-tax With individual HSAs, you must contribute using post-tax dollars, then deduct those contributions from your taxable income when you do your taxes   Given those facts, I guess it's marginally better to use an employer-sponsored HSA because it means the government doesn't temporarily hold on to your taxed income, only to return it later after you do your taxes; you could theoretically put that money to work in an investment vehicle instead of having the government hold it hostage for a while.  But are there any other benefits (either way) that I'm not aware of? The  kind of threw me with the following statement:     The main advantage of making pre-tax contributions is the Federal Insurance Contributions Act tax (FICA) and Medicare Tax deduction, which amounts to a savings of 7.65% each to the employer and employee (subject to limits of the Social Security Wage Base).   But I'm not really sure what that's telling me.  My employer is offering an HSA, but is not offering to contribute to the HSA or match my contributions. So if it's all pretty much the same, I'd rather use the bank of my choosing and manage it privately.  Thanks.