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As we approach a new year, its a great time to find good personal finance software to get control over your finances as part of your New Year's resolutions. No matter how well you manage your funds, finding easy-to-use software can help you:
These tools would make anyones financial life easier. Some financial software programs can also manage investment accounts and even currency exchange rates.
First, we'll take a look at the four top downloadable software packages. Then, we'll explore a free online-only package available that does some data mining of your information in return for free access to its financial tools Finally, we introduce you to two good websites that monitor your credit history and credit score for free.
Top Software Packages
1. Keeping It Simple: You Need A Budget
If you need help with the financial basics, such as learning how to build a budget and stick to it, the simplest program out there is You Need A Budget. In addition to building a budget, youll also get help with banking and bill paying. Youll also find tools for developing your financial goals and sticking to them.
You Need A Budget can be operated from an app on your desktop or using apps on your iPhone, iPad or Android device. The YNAB system is based on four rules:
Rule 1: Give every dollar a job.
Rule 2: Save for a rainy day.
Rule 3: Roll with the punches.
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Find The Best Personal Finance Software
Sketchup is a free design program that's perfect if you want to work on architectural designs with none of the hassle.
Working with design applications can be a complicated and burdensome task, but not when it comes to Sketchup. This free software allows you to create designs for architecture, mechanics, video games and much more while remaining intuitive and simple to use.
The software's creators say they aimed to recreate the freedom of working with a pen and paper in a computer design package, and it comes loaded with tools for drawing, modifying, rotating, scaling and moving geometry. Whether you want to create a new home or design your dream car, Sketchup has the tools to get you on your way.
It's got an unbelievable number of features for a free program. It's stacked with free resources to add into your work like trees, cars, doors and textures, while you can import all manner of 2D images and 3D models. It's great for visualising your work, too, allowing you to create walk-throughs, presentation tours and simulate camera placements.
And if you're looking for more, Sketchup has an extensive plugin library in its Extension Warehouse, containing plugins that expand the range of files you can work with, check your designs for errors, provide near photo-realistic rendering and more.
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Download of the day: Sketchup
By The Associated Press - Associated Press - Wednesday, December 17, 2014
The murder trial of a Montana man who shot and killed 17-year-old German exchange student Diren Dede in his garage tested a state law that gives a person the right to use force or threaten to use force to protect his or her own home from unlawful entry or attack, particularly a provision known as stand your ground. Markus Kaarma unsuccessfully invoked the law in his defense, saying he was protecting his family and property. He was convicted of deliberate homicide Wednesday. Heres a brief explanation of the law and controversy surrounding it.
AN OLD LAW CHANGES, SPARKING DEBATE
Montanas self-defense law has been on the books in some form since the 19th century. In 2009, it was amended to eliminate the restriction that a person was justified in using force only when entry is made or attempted in violent, riotous, or tumultuous manner. It also was changed to state that a person who is threatened with physical harm has no duty to retreat or summon law enforcement assistance prior to using force. Shortly after Dedes death, a state legislator proposed legislation striking the 2009 changes, arguing they encourage vigilante justice. Gary Marbut, of the Montana Shooting Sports Association, has said it is premature to say the law needs to be fixed. Marbut, who helped draft the 2009 changes, had argued that if Kaarma was convicted, it would prove the law was working fine.
A LEGAL MOVEMENT THAT BEGAN IN FLORIDA
Montana is just one of about half the 50 U.S. states that have enacted stand your ground laws, starting with Florida in 2005. The laws have strong backing from gun rights groups, including the powerful National Rifle Association. But the Floridas law came under intense scrutiny during the trial of neighborhood watchman George Zimmerman, who was the acquitted in the 2012 shooting death of unarmed black teenager Trayvon Martin. Other cases have called into question laws in Minnesota, Colorado, North Carolina and other states.
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AP EXPLAINS: Montana's 'stand your ground law'
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