One Cent At A Time

A Personal finance blog for saving money and earning more and thus having a better life

Personal Capital – The Best Free Personal Finance Software

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I have been using Personal Capital to manage my finances for over a year now. For last few years I did use Yodlee Money Center for the same purpose, but since I got accustomed to Personal Capital, which took a couple of visits, I have completely stopped using Yodlee. In the past, I had used Mint.com as well, but they have some serious limitations and I don’t use it anymore.  I have become a huge fan of Personal Capital features. You can’t ask for more in a free tool. So, in this post, I will go gaga over the new tool I am using.

Personal Capital money management tool really changed the way I was managing my finances in general and investments in particular. I used to visit each of my financial accounts periodically to get the status. Now, I only visit Personal Capital. I got enough benefits out of it to write 51 of ’em in this page. Other than helping me save thousands of dollars in retirement saving, they brought my finances under greater control and confidence with ease of use.

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Taking Investment Beyond ETFs and Making it Social, the Case of Motif Investing

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Updated in 2018 – I won’t advise or suggest readers invest through Motif. There are a lot of customer complaints about their investing practices and lack of proper customer support. The scariest of complaints is that getting your investment out of motif is not easy. I’d rather want you to stay away from Motif!

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Investing is one of the most celebrated theme here at One Cent at a Time. Where we discuss everything about investing, including where to invest my money, real estate investment, Gold and silver investment, etc.

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Chase Freedom Credit Card Review

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This review will be third in series of reviews for products we use. The previous ones were Credit Sesame Review and Yodlee money center review.

I have used Chase Freedom credit card for last 5 years. First applied when the solicitation mail came in my mail box. That time card was offering 2% (sometimes more than 2%) return on all spending.

2% cash back was welcome break from my otherwise no-reward secured card from Bank of America. I readily accepted the offer.

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The Complete Yodlee Money Center Review

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Across many posts I have written about Yodlee being my favorite personal finance tool. I track my net worth using Yodlee, I track my budget and spending through Yodlee money center. Way more than what mint.com offers. I have also experimented with a few other financial accounting tools like quicken online.

My main problem with them is I can’t fully trust them.  I covered this suspicion in detail with my Credit Sesame review post.

Why I use Yodlee Money Center?

There are many reasons, for the sake of keeping this post to a readable length, I will just stick to a few.

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Real War Of The Reel World: Netflix vs Blockbuster – The Fight Goes On

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I got a flyer in my mailbox – a colorful red and blue 3×5 card – declaring, “Goodbye Netflix, Hello Blockbuster.” It’s now Blockbuster’s turn to fight back in the DVD rental wars. Once defeated, Blockbuster got a fresh start when DISH Network bought it (only after its huge debts were written off due to bankruptcy).

Powered by DISH Network’s 14 million subscribers and their set-top boxes, Blockbuster’s latest offerings allow you to stream movies and rent DVDs by mail.

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Its American Express Serve vs PayPal In Digital Payment Landscape

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Beware people at PayPal, Your dominance in person-to-person payment is now threatened. You now have competitors in Google wallet, visa and AMEX Serve, to name just the major ones.

Mobile payment market is expected to grow to $640B by 2014 and big companies are working hard towards grabbing the largest pie of it. Advent of technology coupled with few fresh ideas resulted in mushrooming of start- ups in digital payment landscape.

Companies with big fat wallet were quick to notice this opportunity and grabed the most potential ones. American Express grabbed a company called ‘Revolution Money’ and after the amalgamation the product, which went live in March, is called ‘Serve’. 

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