#financialtool

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Introducing the game-changer for everyone in the service industry: the "My Tips Tip Tracker Notebook" is now AVAILABLE on Amazon!

Are you constantly jotting down your tips on random scraps of paper, only to lose them later? 🙃 Do you find yourself guessing how much you made in tips last week, last month, or even yesterday? Say goodbye to those days with our newly released Tip Tracker Notebook!

✔️ This notebook is your perfect partner in tracking all your hard-earned tips. Just jot down the date, the amount, and any notes you have for every tip you receive - it's that simple!

✔️ Not just a notebook, it's a dedicated tool for managing your extra income, with a grand total at the end of the book to see how much you've made in tips.

✔️ Compact (6x9 inches) yet spacious (122 pages), it's your ultimate tip tracking companion.

✔️ And guess what? It's not just for servers or bartenders. Hair stylists, taxi drivers, delivery personnel - if you work in a job where you receive tips, this notebook is for YOU.

How Investors Compare Companies to Find True Value

The road towards financial freedom starts from proper financial planning. 

  Since college, which was back in the early 2000s, I’ve been using excel spreadsheets to manage my finances. After various versions, I finally settled on what I have now and it’s available for free to everyone here. It focuses on tracking income and expenses and hopefully what’s left over.   My spreadsheet helps me to track income and expenses and ensure that I follow my budget. If not, it helps me identify where my spending may be out of control and then I can develop a plan to help bring it back into control.   Apart from this tracking mechanism, for the past couple of years, I’ve been using a personal finance tool called Personal Capital. Instantaneously, I learned it’s a lot more advanced than my excel spreadsheet and includes some nice visuals as well.   I first read about Personal Capital from one of my favorite bloggers; Financial Samurai. He had some great things to say about the tool and so I decided to give it a shot. It was love at first usage. :-)    

Things I Love About Personal Capital

  Personal Capital is a tool to help people track and manage their finances from a macro and micro level. In particular, it helps manage investments which are my number one personal finance priority. Personal Capital offers the following to users:   It can link various account types such as checking and savings, retirement, brokerages, college savings plans, IRAs, credit cards, mortgage companies, and more from many institutions.   It’s free to use and available on a computer, smartphone, and tablet.   Identifies all of your investment holdings.   Identifies which sectors you’re invested in (e.g., Basic Materials, Communication, Consumer Defense, Consumer Cyclical, Energy, Financial Services, etc.).   Identifies your allocation (e.g., International Stocks, US Stocks, Alternatives, Bonds, Cash, etc.).   Identifies how much in dividend income you are earning and from which investments.   Captures how much cash you have available to invest across all of your accounts.   Includes easy to use tools under the ‘Planning’ Menu like the Retirement Planner (to project your monthly spending ability), Investment Checkup (to analyze the effectiveness of your portfolio and efficiency of your asset allocation based on your risk profile) and Retirement Fee Analyzer (compiles the fees you are paying to your funds so that you may make changes). I’ve personally made changes to my investment and retirement accounts based on the valuable data provided by these three tools.   Automatically updates your balances each time you log on (e.g., bank accounts, money market accounts, 401k, IRA and other types of retirement accounts, brokerage accounts, college savings accounts, loan balances, and manual assets and liabilities you enter.   Tracks the performance of your entire portfolio against other indexes. See below for my Portfolio comparison VS the S&P 500 for the full 2016:

      Personal Capital’s Team Will Even Talk To You For Free

  You may even be able to set-up a phone conversation with them to see if there are any questions you may have about your portfolio or Personal Capital’s software. This involves a detail 45 minute to an hour-long conversation. As part of this conversation, they’ll ask things like:   when you’d like to retire, what type of retirement you envision, lots of travel time with friends and family a combination of both how important is a college-savings plan for your kids if you have any, the level of life insurance that’s appropriate for you,   I’d like to make you aware that depending on the size of your account, they may approach you for their investment advisory service. At the time I was informed that the fee would be .89% of your account value per year which includes a team of personal financial advisors. I politely declined for now as I prefer and enjoy managing my own finances.    

Personal Capital Offers Your Basic Analysis As Well

  You can still do the basic income and expense reconciliation things by going to Banking in the top menu and clicking on Cash Flow. You will see a transactional history of all Income or Expense from any accounts you wish to see by using the “All Accounts” tab:  

    It Can Become Addictive

  Admittedly I log on at least a couple times a week using my smartphone. It’s really easy to just check up on your net worth, see if your dividends are being added to your investment balance and transactional history.   It’s so easy to link you accounts and the balances automatically update every time you log on. And as a result, I was finding myself logging on a few times a week and for apparently no reason. It was like hey let me just make sure that my net worth is around the same as it was a couple of days ago. Why wouldn’t it be, unless some major financial event took place?   I wouldn’t count this as a drawback for the software, but just a word of caution for the user.   If you’re investing for the long-term, it takes time to build and continually adjust your portfolio and allow your investments to grow. Personal Capital’s software is there to help you monitor your long-term growth and make these adjustments along the way.   I don’t work for Personal Capital, but I do highly recommend their free tool. If I can give you only reason, it’s that you don’t have to log onto multiple financial accounts just to see how you’ve earned, saved, invested, or spent your money.     Your Thoughts: Do you use Personal Capital? What do you like and don’t like about it? Do you use a different Personal Finance tool? If so, how does it compare to Personal Capital?       ______________________________________________________________________

  Since college, which was back in the early 2000s, I’ve been using excel spreadsheets to manage my finances. After various versions, I finally settled on what I have now and it’s available for free to everyone here. It focuses on tracking income and expenses and hopefully what’s left over.   My spreadsheet helps me to track income and expenses and ensure that I follow my budget. If not, it helps me identify where my spending may be out of control and then I can develop a plan to help bring it back into control.   Apart from this tracking mechanism, for the past couple of years, I’ve been using a personal finance tool called Personal Capital. Instantaneously, I learned it’s a lot more advanced than my excel spreadsheet and includes some nice visuals as well.   I first read about Personal Capital from one of my favorite bloggers; Financial Samurai. He had some great things to say about the tool and so I decided to give it a shot. It was love at first usage. :-)    

Things I Love About Personal Capital

  Personal Capital is a tool to help people track and manage their finances from a macro and micro level. In particular, it helps manage investments which are my number one personal finance priority. Personal Capital offers the following to users:   It can link various account types such as checking and savings, retirement, brokerages, college savings plans, IRAs, credit cards, mortgage companies, and more from many institutions.   It’s free to use and available on a computer, smartphone, and tablet.   Identifies all of your investment holdings.   Identifies which sectors you’re invested in (e.g., Basic Materials, Communication, Consumer Defense, Consumer Cyclical, Energy, Financial Services, etc.).   Identifies your allocation (e.g., International Stocks, US Stocks, Alternatives, Bonds, Cash, etc.).   Identifies how much in dividend income you are earning and from which investments.   Captures how much cash you have available to invest across all of your accounts.   Includes easy to use tools under the ‘Planning’ Menu like the Retirement Planner (to project your monthly spending ability), Investment Checkup (to analyze the effectiveness of your portfolio and efficiency of your asset allocation based on your risk profile) and Retirement Fee Analyzer (compiles the fees you are paying to your funds so that you may make changes). I’ve personally made changes to my investment and retirement accounts based on the valuable data provided by these three tools.   Automatically updates your balances each time you log on (e.g., bank accounts, money market accounts, 401k, IRA and other types of retirement accounts, brokerage accounts, college savings accounts, loan balances, and manual assets and liabilities you enter.   Tracks the performance of your entire portfolio against other indexes. See below for my Portfolio comparison VS the S&P 500 for the full 2016:

      Personal Capital’s Team Will Even Talk To You For Free

  You may even be able to set-up a phone conversation with them to see if there are any questions you may have about your portfolio or Personal Capital’s software. This involves a detail 45 minute to an hour-long conversation. As part of this conversation, they’ll ask things like:   when you’d like to retire, what type of retirement you envision, lots of travel time with friends and family a combination of both how important is a college-savings plan for your kids if you have any, the level of life insurance that’s appropriate for you,   I’d like to make you aware that depending on the size of your account, they may approach you for their investment advisory service. At the time I was informed that the fee would be .89% of your account value per year which includes a team of personal financial advisors. I politely declined for now as I prefer and enjoy managing my own finances.    

Personal Capital Offers Your Basic Analysis As Well

  You can still do the basic income and expense reconciliation things by going to Banking in the top menu and clicking on Cash Flow. You will see a transactional history of all Income or Expense from any accounts you wish to see by using the “All Accounts” tab:  

    It Can Become Addictive

  Admittedly I log on at least a couple times a week using my smartphone. It’s really easy to just check up on your net worth, see if your dividends are being added to your investment balance and transactional history.   It’s so easy to link you accounts and the balances automatically update every time you log on. And as a result, I was finding myself logging on a few times a week and for apparently no reason. It was like hey let me just make sure that my net worth is around the same as it was a couple of days ago. Why wouldn’t it be, unless some major financial event took place?   I wouldn’t count this as a drawback for the software, but just a word of caution for the user.   If you’re investing for the long-term, it takes time to build and continually adjust your portfolio and allow your investments to grow. Personal Capital’s software is there to help you monitor your long-term growth and make these adjustments along the way.   I don’t work for Personal Capital, but I do highly recommend their free tool. If I can give you only reason, it’s that you don’t have to log onto multiple financial accounts just to see how you’ve earned, saved, invested, or spent your money.     Your Thoughts: Do you use Personal Capital? What do you like and don’t like about it? Do you use a different Personal Finance tool? If so, how does it compare to Personal Capital?       ______________________________________________________________________

  Since college, which was back in the early 2000s, I’ve been using excel spreadsheets to manage my finances. After various versions, I finally settled on what I have now and it’s available for free to everyone here. It focuses on tracking income and expenses and hopefully what’s left over.   My spreadsheet helps me to track income and expenses and ensure that I follow my budget. If not, it helps me identify where my spending may be out of control and then I can develop a plan to help bring it back into control.   Apart from this tracking mechanism, for the past couple of years, I’ve been using a personal finance tool called Personal Capital. Instantaneously, I learned it’s a lot more advanced than my excel spreadsheet and includes some nice visuals as well.   I first read about Personal Capital from one of my favorite bloggers; Financial Samurai. He had some great things to say about the tool and so I decided to give it a shot. It was love at first usage. :-)    

Things I Love About Personal Capital

  Personal Capital is a tool to help people track and manage their finances from a macro and micro level. In particular, it helps manage investments which are my number one personal finance priority. Personal Capital offers the following to users:   It can link various account types such as checking and savings, retirement, brokerages, college savings plans, IRAs, credit cards, mortgage companies, and more from many institutions.   It’s free to use and available on a computer, smartphone, and tablet.   Identifies all of your investment holdings.   Identifies which sectors you’re invested in (e.g., Basic Materials, Communication, Consumer Defense, Consumer Cyclical, Energy, Financial Services, etc.).   Identifies your allocation (e.g., International Stocks, US Stocks, Alternatives, Bonds, Cash, etc.).   Identifies how much in dividend income you are earning and from which investments.   Captures how much cash you have available to invest across all of your accounts.   Includes easy to use tools under the ‘Planning’ Menu like the Retirement Planner (to project your monthly spending ability), Investment Checkup (to analyze the effectiveness of your portfolio and efficiency of your asset allocation based on your risk profile) and Retirement Fee Analyzer (compiles the fees you are paying to your funds so that you may make changes). I’ve personally made changes to my investment and retirement accounts based on the valuable data provided by these three tools.   Automatically updates your balances each time you log on (e.g., bank accounts, money market accounts, 401k, IRA and other types of retirement accounts, brokerage accounts, college savings accounts, loan balances, and manual assets and liabilities you enter.   Tracks the performance of your entire portfolio against other indexes. See below for my Portfolio comparison VS the S&P 500 for the full 2016:

      Personal Capital’s Team Will Even Talk To You For Free

  You may even be able to set-up a phone conversation with them to see if there are any questions you may have about your portfolio or Personal Capital’s software. This involves a detail 45 minute to an hour-long conversation. As part of this conversation, they’ll ask things like:   when you’d like to retire, what type of retirement you envision, lots of travel time with friends and family a combination of both how important is a college-savings plan for your kids if you have any, the level of life insurance that’s appropriate for you,   I’d like to make you aware that depending on the size of your account, they may approach you for their investment advisory service. At the time I was informed that the fee would be .89% of your account value per year which includes a team of personal financial advisors. I politely declined for now as I prefer and enjoy managing my own finances.    

Personal Capital Offers Your Basic Analysis As Well

  You can still do the basic income and expense reconciliation things by going to Banking in the top menu and clicking on Cash Flow. You will see a transactional history of all Income or Expense from any accounts you wish to see by using the “All Accounts” tab:  

    It Can Become Addictive

  Admittedly I log on at least a couple times a week using my smartphone. It’s really easy to just check up on your net worth, see if your dividends are being added to your investment balance and transactional history.   It’s so easy to link you accounts and the balances automatically update every time you log on. And as a result, I was finding myself logging on a few times a week and for apparently no reason. It was like hey let me just make sure that my net worth is around the same as it was a couple of days ago. Why wouldn’t it be, unless some major financial event took place?   I wouldn’t count this as a drawback for the software, but just a word of caution for the user.   If you’re investing for the long-term, it takes time to build and continually adjust your portfolio and allow your investments to grow. Personal Capital’s software is there to help you monitor your long-term growth and make these adjustments along the way.   I don’t work for Personal Capital, but I do highly recommend their free tool. If I can give you only reason, it’s that you don’t have to log onto multiple financial accounts just to see how you’ve earned, saved, invested, or spent your money.     Your Thoughts: Do you use Personal Capital? What do you like and don’t like about it? Do you use a different Personal Finance tool? If so, how does it compare to Personal Capital?       ______________________________________________________________________

  Since college, which was back in the early 2000s, I’ve been using excel spreadsheets to manage my finances. After various versions, I finally settled on what I have now and it’s available for free to everyone here. It focuses on tracking income and expenses and hopefully what’s left over.   My spreadsheet helps me to track income and expenses and ensure that I follow my budget. If not, it helps me identify where my spending may be out of control and then I can develop a plan to help bring it back into control.   Apart from this tracking mechanism, for the past couple of years, I’ve been using a personal finance tool called Personal Capital. Instantaneously, I learned it’s a lot more advanced than my excel spreadsheet and includes some nice visuals as well.   I first read about Personal Capital from one of my favorite bloggers; Financial Samurai. He had some great things to say about the tool and so I decided to give it a shot. It was love at first usage. :-)    

Things I Love About Personal Capital

  Personal Capital is a tool to help people track and manage their finances from a macro and micro level. In particular, it helps manage investments which are my number one personal finance priority. Personal Capital offers the following to users:   It can link various account types such as checking and savings, retirement, brokerages, college savings plans, IRAs, credit cards, mortgage companies, and more from many institutions.   It’s free to use and available on a computer, smartphone, and tablet.   Identifies all of your investment holdings.   Identifies which sectors you’re invested in (e.g., Basic Materials, Communication, Consumer Defense, Consumer Cyclical, Energy, Financial Services, etc.).   Identifies your allocation (e.g., International Stocks, US Stocks, Alternatives, Bonds, Cash, etc.).   Identifies how much in dividend income you are earning and from which investments.   Captures how much cash you have available to invest across all of your accounts.   Includes easy to use tools under the ‘Planning’ Menu like the Retirement Planner (to project your monthly spending ability), Investment Checkup (to analyze the effectiveness of your portfolio and efficiency of your asset allocation based on your risk profile) and Retirement Fee Analyzer (compiles the fees you are paying to your funds so that you may make changes). I’ve personally made changes to my investment and retirement accounts based on the valuable data provided by these three tools.   Automatically updates your balances each time you log on (e.g., bank accounts, money market accounts, 401k, IRA and other types of retirement accounts, brokerage accounts, college savings accounts, loan balances, and manual assets and liabilities you enter.   Tracks the performance of your entire portfolio against other indexes. See below for my Portfolio comparison VS the S&P 500 for the full 2016:

      Personal Capital’s Team Will Even Talk To You For Free

  You may even be able to set-up a phone conversation with them to see if there are any questions you may have about your portfolio or Personal Capital’s software. This involves a detail 45 minute to an hour-long conversation. As part of this conversation, they’ll ask things like:   when you’d like to retire, what type of retirement you envision, lots of travel time with friends and family a combination of both how important is a college-savings plan for your kids if you have any, the level of life insurance that’s appropriate for you,   I’d like to make you aware that depending on the size of your account, they may approach you for their investment advisory service. At the time I was informed that the fee would be .89% of your account value per year which includes a team of personal financial advisors. I politely declined for now as I prefer and enjoy managing my own finances.    

Personal Capital Offers Your Basic Analysis As Well

  You can still do the basic income and expense reconciliation things by going to Banking in the top menu and clicking on Cash Flow. You will see a transactional history of all Income or Expense from any accounts you wish to see by using the “All Accounts” tab:  

    It Can Become Addictive

  Admittedly I log on at least a couple times a week using my smartphone. It’s really easy to just check up on your net worth, see if your dividends are being added to your investment balance and transactional history.   It’s so easy to link you accounts and the balances automatically update every time you log on. And as a result, I was finding myself logging on a few times a week and for apparently no reason. It was like hey let me just make sure that my net worth is around the same as it was a couple of days ago. Why wouldn’t it be, unless some major financial event took place?   I wouldn’t count this as a drawback for the software, but just a word of caution for the user.   If you’re investing for the long-term, it takes time to build and continually adjust your portfolio and allow your investments to grow. Personal Capital’s software is there to help you monitor your long-term growth and make these adjustments along the way.   I don’t work for Personal Capital, but I do highly recommend their free tool. If I can give you only reason, it’s that you don’t have to log onto multiple financial accounts just to see how you’ve earned, saved, invested, or spent your money.     Your Thoughts: Do you use Personal Capital? What do you like and don’t like about it? Do you use a different Personal Finance tool? If so, how does it compare to Personal Capital?       ______________________________________________________________________