5 Best Android Tablet Finance Apps

For Android tablets, the common reason for buying them may be for entertainment and leisure. Did you know that Android tablets are also proven useful in the financial world? Android has offered so many finance apps in the market which are very much relevant and useful to your every day financial needs. Whether you want the latest finance news or you need to make monetary computations, finance-related Android apps have got it all for you. Here is a list of the five best Android finance apps in the market:

1. Finance

Ever wanted to have a personal financial planner but you just can’t afford to pay for one? Simply called Finance, Android has come up with a powerful app which strips you of the need to hire a personal planner. Finance is an app which is capable of providing you with the most recent updates about the stock market. The best feature of this app is that it provides you with stock quotes which are very much reliable because they are quoted real-time. This app also syncs well with your stock portfolios which are loaded in Google Finance.

2. Real Estate Droid

If it is your dream to be a real-estate businessman someday or to be a licensed real estate broker, then this finance app is the best deal for you. Real Estate Droid comes with features which can, for one, search houses for sale. Once you find a catch, you can search information about its neighborhood with real-time updates. With this app, you can also check out mortgage quotes made by real lenders and compute for mortgage loans. You can always take advantage of the built-in loan calculator.

3. Financisto

Financisto is a finance app that is very much capable of doing many things. For one, it lets you add multiple types of bank accounts and even a multiple number of accounts per type. This means that you can add checking and savings accounts together into your file manager. For both types, you can add more than one account. With Financisto, you can also monitor which among your payments are recurring. Once you see the pattern, you can schedule them to make sure you don’t lag with your payments. This app can also help you create either a short-term or long-term budget.

4. Karl’s Mortgage Calculator

If Real Estate Droid is not enough for your mortgage needs, then you can always opt for a more specialized finance app, which is Karl’s Mortgage Calculator. By using this app, you can calculate how much mortgage you should be paying in the future and you can even visually see the results with its easy-to-read charts and graphs. This app can help you compute for your future payments, given the principal loan amounts, interest rate and terms. Karl’s Mortgage Calculator, however, is limited to supporting interest-only amortization and Canadian computations.

5. PayPal

Almost everybody knows of PayPal now. With the PayPal Android app offered in the market, you can do all things you normally do on your PayPal account. The bonus point here is that apart from being able to pay an item, you can also help hasten its delivery process. So, if you’re dying to take hold of that most recent Victoria Secret scent, then you don’t have to wait for the normal number of shipping days just to have it. You can always make it two or three days earlier with this app. With PayPal app at your reach, you can always access your PayPal account anytime you want.

Negotiation Is an Empowering Quality That Adds Value to Our Commerce and Purchasing

The Lost Art of Negotiation. It has been a few years now since my return to life in the United States after an almost three-year stint of living, working and acclimating to life overseas and far removed from the Americas and American-cultured living, shopping and working in agreement to the way that I was raised in the states. It was a life-expanding experience, to say the least, I was challenged in almost every area of life and I am probably more humbled and educated in the area of diversity than I could have ever read in any book or seen in any movie. My experience was life-expanding, at times challenging, and to this day, still continues to bring value to my life choices, knowledge, patience and spirituality. The choices that I allow now have been thanks to the gift of actual immersion in a new way of living, working and doing the mundane things in life, like shopping and cooking. Prior to living overseas, I don’t believe that I would be as open-minded and as anxious and eager to learn about my environment as I am now.

I am appreciative of the fact that I had the opportunity and the time to vacation frequently before making the life-expanding decision to relocate overseas. I experienced not only a different culture; a different truth that people live by; showing their convictions in a positive, awe-inspiring and homogeneous way. One of those expansions was in the lost Art of Negotiation…

Negotiating skills, are not only accepted but expected for most purchases; Viewed as a sign of appreciation and intelligence and brings value to the patron and reverence to the vendor. While living overseas, I don’t believe that we ever paid full-price for anything. Negotiating brings back a nostalgic appreciation for some of the simpler things in life that we have taken for granted.

Negotiation for many cultures actually resonates into the pride and the integrity of the product, or service; it displays your own faith in the quality and significant difference of your service or product to the buyer or consumer. THIS is almost incomprehensible to folks that were born in America, but very much so a measure of status and prestige as you leave American-cultured ideas and beliefs.

I remember negotiating at the markets when purchasing fresh fruits and vegetables. And the games began soon we were off to the races! Patrons were less guarded and eager to be amused and to peruse display carts to demonstrate that they would be willing to buy quality products and services worthy of the time it takes to negotiate. Many times, the success of your experience depended on the patron, though this was not always a hard and fast rule. The more enterprising vendors would sell you their very best goods and services with genuine ease; thus single-handedly authorizing more money; even exceeding their own expectations! We were fortunate enough to be engaged on both sides of the adventure as both patrons for personal goods and entrepreneurs of our own service-based business.

The Art of Negotiation is a custom that is very much alive and thriving! We negotiated everywhere and with everyone, it was just as much appreciated as it was expected!

In my estimation, it is a win-win situation, as essentially we are also solely responsible for our finances, how much we pay for goods, our incurred expenses; we all have the right to walk away from a business transaction if we so desire.

Diversity taught me so many things both big and small; being grateful in everything; living with condensed closet space; enjoying the ability to see all of your possessions at a glance; to fixing and repairing versus replacing, storing and hoarding; I am so appreciative, in so many areas, that living overseas brought to my life something enlightening and liberating and inspiring! And of course, upon my return home, I realize the lost art of negotiation here in the states.

It affected every cell of my being, decisions that I make; personality; even in the way that I listen to my inner voice and wisdom… In alignment with truth, what I learned is that as long as you are following your true wishes and desires, without causing harm to yourself, or to others; you are in agreement with what is good and aware of all of the many opportunities that you can share with another and release for yourself! Another thing that I have also learned is that anywhere on earth, that you choose to live, somethings remain the same. “People still buy people and still desire to feel respected, connected and acknowledged for their intellect and for that internal feeling of belonging to a group of like-minded individuals that think and process situations and events in similar ways to themselves.”

The Best Finance App

The best finance app, in my opinion, is Mint.com’s mobile app. Here is a list of its features and finance app alternatives if you prefer to use an app other than Mint.com.

Mint.com (Free)

I have been using mint for a long time now and believe it is the best finance app. Intuit bought this web site a while back so it is very secure, using bank level encryption.

Mint gives you a quick overview of your finances, which you can put on one of your main screens in the form of a widget. The widget will show your current cash amount and your credit debt. It will also show you the last time your information was updated, so you can be sure that you are looking at the most recent information.

Once you set up a monthly budget, you can access it with the app to make sure you are staying on track for the month. Mint is very good at knowing how to categorize your transactions for budgeting purposes and it will let you know if it does not know how to categorize a transaction.

The app automatically gives you alerts for various things, which include the availability of large deposits, what bills will are due in the next few days, etc.

You can get a very general picture of you investments with this app. By that, I mean if you simply want to know the balance of you accounts, you will be happy with this app. If you want to get more information about the performance of specific investments, you will need to go to the website.

To set up this app, I would suggest you log on to the main website to input all of you account information and set your budget. Once that is completed, you simply download the app, log in, and all your accounts are ready to go.

Adaptu Wallet (Currently Free)

Adaptu Wallet has many unique features like tracking loyal programs and creating spending forecasts. The app also allows you to store photos of insurance and business cards, which will decrease the clutter inside your wallet. The app is currently free, but the word on the street is they will start charging for usage sometime in 2012.

Pageonce (Free or $4.99 for Gold version)

Pageonce arguably has the best interface of all the finance apps. Your key account balances are placed in thumbnails that appear on the home screen. Contrary to popular belief, this app does provide PayPal support even though many claim it doesn’t. Balance updates are not as fast as Mint.com or Adaptu, some transactions take days to update. The Gold version has the useful ability to pay bills directly from the app, and this is the only finance app that can do this. The gold version also removes all the ads from your app.

What Stands Behind Capital One Credit Cards and Savings Products?

In the times since the global financial crisis, it has increasingly become a concern as to what the backing of the financial institution that issues your credit card or holds your saving account is. There are a number of laws which regulate the financial system and try to ensure that customers can rely on banks to honour their obligations which can be a particular concern in relation to savings products. Title 12 of the United States Code in part 325 specifies a number of ‘capital adequacy requirements’ in relation to all banks. The aim of these requirements is to force banks to adequately provision of a crisis and ensure that they will remain solvent even if there is a large crisis. Banks must report periodically on their arrangements to show regulators that they are meeting the capital adequacy requirements.

Capital One at the moment is, when measured by asset pool, the 8th largest bank in the United States with balance sheet assets of approximately USD$286bn in 2012. Amongst other distinctions, the company is also one of the largest customers of the United States postal service. Its head office is in Fairfax County Virginia and the current chairman, CEO and President of the company is Richard Fairbank. It is one of the fastest growing banks in American history having been founded in 1988 by the current CEO. Like many banks in the American financial system, Capital One was the recipient of a bail out during the sub prime mortgage crisis of 2007 when it received $3.56bn from the United States Government in exchange for 3,555,199 shares in the company. By the end of 2009, the company had managed to buy the government out of the business.

As well as being involved in credit cards, Capital One has an Auto Finance Division which is a substantial part of the company. An entity known as Capital One 360 is also now in existence having formerly been known as ING Direct on the idea that a bank could perform retail services entirely on the basis of an online model. This division of the company has no branches and only maintains a physical presence in the form of call centres and online processing maintenance facilities. The online bank model seems to achieved some success given that the lower overheads from rent and staff result in lower costs to consumers and therefore a better outcome.

One of the notable characteristic of Capital One is that it appears to have retained an ability to ride out the periodic financial storms which emerge in the world of consumer credit. It has grown consistently throughout good and bad times in consumer finance and continues to grow based on the analysis of its most recent financial data. This history of growth and the ability to ride out financial storms appears to bode well for the credit and savings products of Capital One.

100 Financing Investment Property

100 financing of investment properties refers to 100% financing from outside for your investment in real estate. Funds that are brought from one’s own savings, on loan from friends or relatives are in a way not much different from capital whereas real debt or Investment property financing comes from financial institutions. These entities – banks, mortgage firms and lending organizations like credit unions — lend funds to the applicant on the trust of a collateral security or based on the income, credit-worthiness and repayment capacity of the individual. Even if these criteria are satisfactory, an investment property financing institution may ask to be shown the business plan of how the applicant means to generate income using the pieces of property he or she means to buy and consequently pay off the loan or conclude the mortgage. The lender has the right to know how the business is going to be conducted because the revenues of this business determine how fast the loan is going to be repaid. With the turn in the economy, 100% financing investment property has almost been done away with.

100 financing investment property

In the United States, there are three credit bureaus, Equifax, Experian and Transunion, that maintain records of the lines of credit extended to each individual and how they are being handled. The credit reports formulated by these bureaus reflect how many credit card accounts a person has, how many times he or she has defaulted in payment or gone over the credit limit; other forms of financing availed by the individual such as home mortgage, auto finance or student loans, are also listed. Lenders and creditors have access to these credit reports and use them to check if an applicant is worth the risk of being given a loan. The exact features that point to an applicant as being risky can be found out after a professional analysis of one’s credit report. A high Debt to Income ratio and loan to value ratio are some of the red-flags. These areas have to be improved so as not be saddled with an exorbitant rate of interest and terms that are not favorable to the borrower. Some unfavorable terms are floating interest rates that send the finance charges through the roof upon a single defaulted payment. To prevent this eventuality, it is better to choose a deal with a fixed (flat) interest rate or a low ceiling rate on the interest rate slab.

Lending fees, high interest rates, discount points (another form of lending fees paid upfront to prevent the interest from racing up) can actually break the bank. In fact, there are many cases in which discount points have been deceptive and one ends up paying more for them, than the actual interest (finance charges) that would have been paid if the interest rates did go up. To prevent such goof ups, it is a good idea to take estimates from two or three lending organizations, compare their offerings and then choose the one that appeals most to one.

The worst pitfall to guard against is when some lender tells you that you are eligible for 100% financing of investment property. Those idyllic days are over. In fact, they are past their sell by date because there were not so idyllic. There may be such plans available on subsidy from the government for the exclusive use of first time homeowners who belong to the low income group. But this does not include investment property dealers. Traditional methods of 100% financing are now called owner financing and are still available but they are not an attractive option. It is not surprising that requests for owner financing are viewed with suspicion of default by lenders and therefore, that avenue is best avoided.