How To Use An iPhone 4s Application To Manage Your Finances

The new iPhone 4S, amazing, capable of more than anything before it, and its able to help you manage your finances as well?  I thought coming up with Siri was a major accomplishment, and now Siri can help you manage your finances. Let’s take a look Siri and what it offers in the way of financial management:

Siri is an Intelligent Assistant that just debuted in the newest Apple iPhone, the 4s.  It allows you to give voice commands and receive the information your looking for such as a local restaurant, text, phone call, weather forecast, and so much more.

Pay bills on time:

You can ask Siri to remind you of upcoming payments, including amount and due date.  You can even set an alarm so that you can’t forget a payment is due, and sync her with the newest application RememberTheMilk so you can organize your financial obligations as well as important dates.

Keep track of stock rates:

Even though Siri cannot give you ‘insider’ information, it can certainly let you know what your stock is doing, by answering a simple question, such as ‘How are Coca Cola’ stocks doing?  You can get the latest stock updates on any stock that you choose.

Find closest ATM or Bank:

This is what Siri is best at – finding locations and giving you options.  But if you ask for a specific bank, you can get that address and location as well.

Personal finances:

When you’re out shopping, having lunch or just out spending money, Siri can tell you whether you’re close to your spending limit in your bank account, or if you’re over your budget.  Installing a third party sync to Siri of your bank account through a site such as Mint.com, can help you from overspending.

Moneystrands:

This is an amazing iPhone app that can give you all of your bank and credit card balances, all in one place.  And, offers a pretty up to date budget tool.  I can’t tell you how convenient this is, when we’re used to having to call the credit card companies to get balances before we charge.

This is a free app and can be found at moneystrands.

Pageonce Personal Assistant:

This allows financial monitoring from your iPhone, with access to bank, credit card and brokerage accounts from your phone.  It allows you to access all of your bills, in one simple app, and you can pay them from Pageonce as well.

One of the greatest features of this app is that it is secure, with top security measures taken, you can do your banking, financial monitoring, and bill paying all in the safety of your phone.

Best of all – it’s FREE!  

Pocket Money:

This isn’t a free app, however, its not expensive.  Last check it was $1.99 and will probably go down from there.

This little app does so much, such as tracking accounts, budgeting, keeping track of spending and it actually backs up and exports financial data.  It can handle split transactions and exports data to programs such as Quicken.

Bloomberg:

If you’re an investor, this is the app for you!  The Bloomberg iPhone app offers investment tools and real-time portfolio tracking, all for free.

You can also receive news, according to date and time, and it is available in 12 different languages.

And… it is free here!

PayPal:

You can send money from your iPhone through your account on PayPal.  If that person is on your contact list in your phone, you can send them cash.  And, there are over 190 currencies available, and in 16 different languages.

This is also a free application – PayPal

Shopping Budgeter:

This little app, Gift List Budget Shopper, can actually help you save money by budgeting for gift giving, finding the cheapest price for the product you’re looking for as well as locate it for you, and conduct product searches online.

It integrates with your address book and maps, creates lists that can be exported to the spreadsheet of your choice, and can be backed up.

Gift List Budget Shopper isn’t free, last check, $3.99 and reviews state it is worth every penny!

Currency Converter:

This handy app will help you know exactly what you’re being charged in that bistro in France, or in nearly 200 other countries.

You can convert currency rates in seconds on this ACTCurrency iPhone Currency Converter, and never wonder whether you over paid again.

And, as a bonus, since the rates change regularly, you can get updated exchange rates via wi-fi while you’re travelling.

And, the cost –  .99 cents.

This is yet another Guest Post from one of the readers. Ally is part of the team that manages personal finance guides in Sydney, Australia, which provide tips about Budgeting Planner and Way tso Save Money. Before joining BS & HSTM, she was a Media Planner in McCann Worldgroup Philippines, Inc., with award-winning executions, including the Levi’s 501 “Live Unbuttoned” global campaign. Please get in touch with me using the contact page, if you want to contribute to the blog. 

India Innovation – Android Love from India, including a Siri Clone

Its been a while since I wrote about India and the technological innovation there but here is something that is hard to be missed. Being an Indian and an Android fan it is one of those moments that you will be surely proud of, Apps. Indian Software developers are not the foremost to come up with products, yes there are quite a few there, but in comparison to the number of apps used worldwide the apps from India don’t come to the forefront. Indian Software industry has always played a service role for most companies, where we have developed products for others. Not many products that are home-grown. I guess its changing, and here are the first signs that we can be good at it too.

When Apple introduced Siri, every Android user wanted to hear about the version for Android. And there were few but all lacked complete functionality. An Indian Startup is trying to change all that, from the notion that Indian Software companies dont do products to Siri App for Android. Enter Dexetra, A startup from Cochin that is planning to change the world of Android and India.

Iris 

Like the Siri clone, Iris is a speech recognition and interpretation engine aimed solely at the tech savvy always connected Android user. Like the iPhone 4s the Iris requires the internet to be connected at all times to be able to process the information and spit out the results. With over a Million  installs and with tremendous response from the global Android community this app seems to be the one to see in 2012. Along with the company.

Check out Iris for yourself here on Android Market. Oh yes that’s not it, they also have more software like the Speed Sense and Secure Keys that are as helpful as the Iris You can check them out on their developer page on Android Market. Check out decent App Intro Videos as well for their upcoming Android App, Friday. Does this not look like an international App company now ?? Proud to have crossed paths with these guys.

I just hope that these guys find all the support they need and also move along and produce some brilliant Android Apps. Now waiting for some hackable intelligence of connecting the Arduino with the Iris to get a proper solution to the Voice Activated Home. Dexedra Are you listening ??

Wordless Thursday – Year in Review : You are what you Tweet

As the year comes to a close, we usually reflect upon the various changes and the hits and misses of the year. This year was the year of the celebrities and of the Arab Spring. If you ask me, the infographic below does not do enough justice for some of the other important discussions of the year, but such is.

Wordless Thursday for the uninitiated is this blogs attempt to bring some interesting graphics and some interestingness infographic.

2011 in review infographic

Source: http://frugaldad.com

 

Wordless Thursday – What is a stock ?

The stock market has been on the spot light for the past few years. People who have not been into stocks are also interestingly looking into the stock market and how they can either make  money or just to know how their companies are holding up. But a lot of people don’t understand stocks or even have an idea about stocks. So here is this week’s info graphic attempting to help you learn and know about stocks. The absolute basic of what is a stock is here.

Wordless thursday is this blogs attempt at highlighting and bringing forth new and interesting infographics to light. Enjoy this week’s infographic.

Wordless Thursday – How to get a job with Apple / Google

Hi all its Thursday again, and its time for Wordless Thursday. And in this time of recession it is clear that the only companies that are apparently hiring are the companies who are in tech. Apple and Google along with Facebook might be the 3 largest firms hiring people. SO how do you land a job with these awesome work places and work cultures. There’s an infographic for that !!

Wordless Thursday is an attempt on this blog to bring about some of the creative and interesting info graphics to the readers of the blog.

Tech Job
Created by: Masters Degree

5 Reasons to Stick with Facebook

I can’t begin to tell you the number of complaints I’ve seen from Facebook users who hate the new features in the news feed. While I can certainly relate with some of what I’ve seen said (that ticker in the sidebar annoys me to no end), I’m sort of surprised by the threats to leave and the general amount of complaints.

Change is, after all, inevitable.

And that’s just it. Facebook has changed dozens of times in the past. These most recent changes, once you get used to seeing them on your screen, are just like the others. They become part of the Facebook experience and no longer bother you. Still, there are plenty of reasons you should stick with Facebook despite their seeming desire to compete with every other social networking platform in existence. Here are some to consider.

 

Privacy Issues Exist Everywhere

One of the hugest complaints I see about Facebook is the changes they’re making to your privacy settings. OK, so a few things may have changed and left you feeling a bit more exposed than you were before, but Facebook did NOT take away your control over the situation. It would be to your benefit to learn a bit about the changes, figure out what you need to do to increase your security (or decrease it), and then share that knowledge with others.

Social Media is Here to Stay

While Facebook is just one of many social media sites, we already know that social media is a pretty permanent fixture in the internet world and it has a huge presence. A few angry people jumping over to the next new media platform will not change Facebook’s popularity. This means you’ll have a harder time networking on other sites than you would if you simply stuck around to learn how the new features really work.

Facebook Does Hear You

Have you seen a new group pop up called “We Hate the New News Feed” or “Click if You Love the New Timeline?” Facebook actually sees these groups when they’re created and, believe it or not, they are watching to see what people are saying about the changes. They may not change everything – or anything – back to the way it was, but they might offer solutions and future upgrades that address your concerns and make things easier for you to use. Of course, they may simply apologize for upsetting you and move on. But, really – could you expect any different from any social media platform?

Your Business Depends on Facebook

Edison Research recently released a study that showed that approximately 41% of the people living in the United States use Facebook. That’s a huge percentage and that’s just the United States. If you have a local business, consider that 41% of those in your local municipality are on Facebook at any given time. If you have an online business, you have the potential to reach a rather large global audience. The reality of the situation is that a large number of your family members, friends, customers, and potential customers are using Facebook regularly. And the odds of them jumping ship are pretty slim.

More Change is on the Horizon

Like I said before, change is inevitable. Facebook announced even more changes in the coming weeks (some of which actually look pretty cool). What makes you think Google+, LinkedIn, Twitter, Tumblr, and all of the other sites you use won’t change as well. Fact. They will. Eventually. And you’ll probably hate those changes just as much in the beginning as you hate these.

It’s a waste of time to jump ship simply because of a little bit of change. It is a part of life. You’ve built a huge network and if you’re in business or have any sort of public reputation you simply don’t have the time to start over. Embrace the changes you’re seeing and learn to use them properly. You may be surprised at how easy they are to adapt to. And (shhhh – don’t tell), you may even end up liking them.

About the Author: Patty Kleen is a full-time writer and blogger with a passion for social media and personal finance. She enjoys writing about social media tools, online business marketing, credit repair, bad credit loans, and money saving techniques for those with poor credit histories. 

This post is part of our I’m Inquisitive too initiative, which encourages readers to participate with interesting, inquisitive insights from their end. If you would like to participate please do drop me an email at me[at]melvinpereira.com with I’m Inquisitive too in the subject.

Wordless Thursday – All about Barks

Having the distinction of being the Man’s best friend is something that not all animals are blessed with. The dog probably one of the first domesticated animals on the planet has this distinction and over time they have adapted to us as much as we have to them. The bark of the dog is very familiar and for most dog owners they kind of know that dogs try to communicate not only among themselves but also with us with these. Here are some interesting facts about the barks themselves in this week’s wordless thursday.

Wordless Thursday is an attempt on this blog to bring about some of the creative and interesting info graphics to the readers of the blog.

Bollywood and Social Media – Ra.One

Bollywood’s interest on the internet was so long left to some ads on youtube, trailers and websites for nearly every movie that tried to provide some “interesting” information about movies. Lately we do see some activity on the social web, Facebook Pages and such started by Aamir Khan during Three Idiots, were quite engaging. Aamir himself on his twitter used to post and interact with people for publicity.

What one does, the next Khan seems to take on seriously and try to outdo. Case in Point, Ra.One. In the past few days if you have not seen an Ad for Ra.One on websites that use Google Adsense, then well you might not be a frequent surfer. Because, I have seen the ads everywhere from Gulf news right through to Labnol.org one of the most famous tech and how to blogs from India. Compelled to click on the ad, I did click on it. This is my review of what I found and where I was taken. An insuisitive thought on the social media campaign for Ra.One.

First of all SRK and Google have partnered for the promotion of the movie Ra.One. Although I am not a big fan of SRK, I am of Google and so when they decide to pay attention to a movie in India, it makes things a lot more interesting for tech fans especially Google fans like myself. So well here are what Google is offering SRK and what I think of those.

The Google Ads

Impressive. One word to describe the campaign. They have targeted audience on various age segments and various interest groups. Starting from the teaser ad which spoke about the launch of the YouTube campaign, right through to the various sizes of ads and the sheer number and visibility of the ads, am impressed. They did manage to not only attain my attention, but also got me to click through. I do click ads on blogs that I usually like as a simple token of appreciation of me liking the blog. Although I know nothing like leaving a comment, but if I have nothing to actually comment I do provide a click on the ad. Well the quality of ads is important to click through, and I should say I was impressed.

YouTube Channel 

The ads on Adsense take you to the custom built YouTube page for Ra.One. If you have not been fortunate enough to check it out yet, you should. I was really impressed again with how they have used the personality of SRK to interact with some of the elements that we are used to seeing on the YouTube page. Here is a sneak peek at the YouTube channel with a video available on the channel itself.

Google Plus

Yes we all heard it, SRK will be on Google Plus Hangouts, Hanging out with fans soon as well. He has a new profile on Google Plus after conquering the twitterscape with his twitter profile. You can check out his Google Plus profile here with this link below:

No you cannot add him yet, cos Google and he are working on privacy, but if you do check out the profile you will see very soon that there are spicy bits to the movie progress there.

Website and other profiles

The end of the video on YouTube takes you to the website of Raone, and you will be really surprised to know how much effort they have put in on the online presence for Ra.One. They have actually gone ahead and created a profile on nearly every interesting social network where you can find people on. From the indian ex favorite Orkut, right through Blogger where they are posting some interesting information.

The website first of all was a bit disappointing after all the roads leading it there. It was completely flash driven made for children sort of a website. Could have been better. But there are some interesting new things from other indian movie websites, the shop where you can buy merchandise (again for children) and also a comic as well. I am thinking the movie is more inclined to get the kids into the theaters. There is also an interesting segment which is deconstruct G One and it shows really heavy terminoligy for the gear he is wearing. You should check it out here : . Reminded me of Prashant Nair :)

Coming to the Online profiles, well I am going to list them out here to save you the trip to the website but if you do want to go then the link is : http://www.raonemovie.com.

Youtube : http://www.youtube.com/raonemovie

Google Profiles : https://profiles.google.com/107544518344682087224/

Blogger : http://raonediary.blogspot.com/

Linked in : http://in.linkedin.com/in/raonemovie (really ??)

Orkut : http://www.orkut.co.in/Main#Profile?uid=18156379693003537934 (Wont open in Dubai, Thanks Etisalat)

My Space : http://myspace.com/Ra.OneMovie

Flickr : http://www.flickr.com/photos/raonemovie/

Twitter : http://twitter.com/#!/IAMSRK (SRK’s Own Profile)

And the Grand Daddy of Social Media Marketing

Facebook : https://www.facebook.com/Ra.OneMovie

With this new avatar of Movie Marketing, SRK and RA One have taken another leap into the online world, but how successful the campaign will be can only be measured with the success of movies, well soon you could be seeing more of these.

It is the first time that an Indian movie has so thoroughly embraced online advertising and engagement with fans. Couple that with the increase in online distribution of Bollywood movies on Yahoo! and YouTube and it signals that the industry is making a concerted effort to tap into the online market. The entire campaign also shines some light on the fact that Google seems to have a keen interest in India, and everyone knows to be popular in India you need to be associated with Bollywood and Cricket. With Youtube already showing IPL games live streamed across the country this might be Google’s foray into Bollywood.

Inquisitive Guide – The “new” Facebook : Everything you need to know

Yes, our semi favorite Social Network has changed … again. The fact of the matter is whether we like it or not, the changes are here for a while, until they change are going to change once more. There have been more negative reviews to the redesign than positive ones, the fact of the matter is no matter how much we complain, it is still a free product that we are NOT compelled to use, but we all use during our everyday life. After desperately trying to add in all the features that were unique in the rival social networks like the subscribe feature making the twitter’s main feature available on Facebook and the lists redefined to behave more like Google Circles; Facebook threw their biggest gamble yet. A complete redesign from the profile to the user page.

Yes I liked the previous Facebook better, but I guess we all need to adapt into the new one; so what if I thought someone had a Blue Drink and barfed all over the screen. So I thought I will post some of the most important features of the “new” redesigned Facebook. Some that might need to be known to all. Sigh, I liked Social Networking sites when you did not need a manual to use them. Some humor about the changes first here below.

Changes to the News Feed including the Ticker

This is one of the most noticeable new changes on the new Facebook. Facebook’s new design highlights posts that you’ll likely find important (well what they think you will find important), and prioritizes them at the top of your feed when you log in. The top stories are designated by a blue tag in the upper left corner of the post. Knowing so much about you it might be easier for them to actually “guess” this through their algorithms. Keeping the page open for a while, I did notice that it did not change much if you leave it open.

If you have used Twitter you will know that new tweets are displayed at the top and Facebook has a similar feature for their new recent stories. The ticker in the right is interesting and annoying. This is the place where real time information will be put up. It will always be there and also auto attach to the chat window as well.

Photo Albums

It has been known for a while by all that the largest database of pictures on the Internet is with Facebook. From Albums that people add to Facebook Apps that create its own set of images (for some reason are very popular on Indian Profiles) the entire Facebook is full of pictures. Using the previous theater mode, people who had complaints realized that the way pictures are displayed is now changed. Google Plus users will immediately pick the copy cat. However, the images are provided with good area for commenting and viewing in a theater like view as well.

The Like Button is no more just that

The Like button is one of the social legends of our time. Nearly everyone trying to come up with an equivalent. Google even got the +1 as a competitor, but guess what, like everything else Facebook is going to fix the like button although its not broken. Now you will not only like, but the most requested Dislike will come up as well along with any verb that people can think of. So well with the new redesign developers can come up with their own verb like, “Inquire”, Broke, and stuff. This is an evolutionary step for the like button, lets just hope it does not evolve into extinction. Facebook’s most used feature might just become diluted in the crowd.

Media is coming to Facebook… Big time

When a good friend of mine mentioned a while back, that he is now used to picking up news and interesting information on Facebook first before checking up on it on other sites, I realized that Facebook’s sharing feature had grown BIG. I cannot imaging the last time I searched the web for new trailers, all friends put up something interesting inevitably.

Facebook I guess realized the same thing and has made it possible to now watch TV and movies, listen to music, and read news with your friends — all within Facebook. Starting today, thanks to a whole bunch of partnerships, there are a lot more things you can do without ever having to leave Facebook. You can watch a show on Hulu, listen to a song on Spotify, or check out a story on Yahoo News. The ticker will tell you what your friends are watching, listening to or reading, allowing you to share the experience with them by clicking on a link. Although the video and songs are now US centric, they are going to spread around the world soon.

Now to the two most dangerous and ones you really need to watch out for.

Apps posting information about you

Applications on Facebook used to ask your permission before posting anything on Facebook. Now they dont need to. If you are worried about privacy you need to ensure that you are clear about what Apps you choose and what you dont, cos once an application has access to your profile it can post and access information when ever it wants.

With this move Facebook is slowly trying to kill one of its biggest problems Privacy. How ? Well this is the first step to removing privacy completely. Eventually all information about you will be available freely with your knowledge and you will be OK with it, thats what Facebook is trying to suggest, this could be the very first step in that direction.

But for those worried about privacy, this is something you need to go back and check, all the applications you use and what information they can access and what sites you have logged in using your Facebook Id and what they can do with that information is all something that we need to worry about for the time being.

The TimeLine instead of the Facebook Profile 

In what is the biggest of the changes to Facebook, the entire provide of a person is now going to change into a Digital scrapbook for all of us. With all information we ever put up being physically available to anyone viewing your timeline. Although the feature is going to go live only by the October 1st, I got a preview of the feature and my timeline is available now. Here is how it looks.

You can now add a lot more “life events” on your profile, a new banner picture as well. Maps on the profile all in the name of making a complete Timeline. So much so that you will be asked to provide your birth photo as well. I am sure we are going to see quite a few baby photos soon. Timeline is going to reveal everything you wanted to forget and regret about posting on Facebook ever ! And it will tell your friends about it too, if they have time to stalk on you. The further back in Timeline you go, the more Facebook will compress the information so that you’re only seeing the most interesting parts of your history. You can customize this by clicking on a star next to a status, say, or enlarging a picture.

If you would really want to get your own timeline right now, try some of these steps mentioned here.

Probably the most riskiest decisions ever, this redesign might have the impact of driving its users to other sites like Google Plus. And with Diaspora now opening windows to new users, there could be very soon fragmenting of these social networks.

Wordless Thursday – Angry Birds Addiction

Angry Birds might be the greatest Mobile game ever created. The craze of the game just keeps increasing, people in the office seem to start playing it in long boring meetings as well. Oh the game and oh the addiction. So much so that someone thought it would be a good idea to make an infographic on the game and its addiction. Check out some really interesting statistics of the game, a “Birds” eye view perhaps.

The producers of the game are growing richer and the users more addicted. I installed the free version on my Android and say what, I could not put down the phone for sometime. Now well nearly though the game, I am kinda over the addiction. However, the Game is still entertaining when Blocks or paper toss does not compel me.

Wordless Thursday – How Dangerous is your house ?

How Dangerous Is Your House? is a new infographic from Ecomom.com, and designed by Column Five Media.  I love the content in this one!  This has way too much text than usual infographics. Some more visualizations would definitely help. Most readers will skim or skip over most of the text explanations. The interesting bit of the infographic is how many things in our house can actually hurt us.

For the new readers, Wordless Thursday is this blogs attempt to bring in interesting and inquisitive infographics to the front like the one below.

Location, Location, Location … the next big thing

At first there was the humble Mobile Phone, then it received a GPS and with the addition of a camera and smart internet connections, it transformed into the SMARTPHONE. Then came Android and the iOS platforms making it easier for developers to use the platforms and launch new services and applications on them. Apps are all the rage. Through the entire process a new object came to light, the location. With mobiles becoming more location aware, searches could be tailored to what’s nearby.

The world of Check Ins was born. Facebook, Twitter, Google + and other services opted Check ins as a new inclusion into the vast software frameworks. However one company did spark off the initial interest and its popularity is what drove companies to follow. Foursquare. Foursquare has not been the most famous of apps for the mobile phones, but it was really instrumental in making the location based aspects of mobile phones important.

Foursquare is a Social Networking platform that will try and get you to meet people in your vicinity and also provide you with opportunity to meet with like minded people who go to similar places like you. Restaurants offer discounts and offers on Check ins usually and frankly I was happy to see this in Dubai too. We were at the Le Meridean village, Dubliners Pub and restaurant and walla they have a special for check in as well. I am not sure if it still exists but was an interesting find when I was there a few weeks back. Check out Checkin Mania, a site that keeps track of checkins on Twitter, Foursquare, Gowalla and Britekite.

Now they are taking location based applications to the next level. With newer developers now beginning to use Foursquare as a platform for their related Apps new interesting location based games are coming up. Here are a few that might really interest you all.

World of Fourcraft

The World of Fourcraft is a clever Foursquare application which allows users to track their check-ins and use them for ‘social conquest’ gameplay. Currently the application is designed for use within New York City, pitting the five boroughs and the areas surrounding, aptly titled ‘Here Be Dragons,’ against each other.  Signing in with a Foursquare account, players must select – and join forces with – their borough.  ’Borough Buddies’ must then boost their teams status with increased Foursquare check-ins across the city, ‘swarming’ and conquering territory.

There are no prize-incentives, with the app relying on neighborhood pride to encourage play. Users can keep track of their ‘hood’s progress with the Battle Map found on the website.

Check out more about World of Fourcraft

Foursquareopoly

Foursquaropoly turns your city into a Monopoly board and your Foursquare check-ins into a gaming piece.  Players begin with ten-thousand dollars and can buy unclaimed buildings they check-in to using Foursquare.  Rent and upkeep fees are determined by the building’s popularity and are payable by the owner.  Just like the original Monopoly game, players who ‘land’ in a claimed location must pay rent to the virtual landlord.

Originally a student concept, the app is currently in development.

Check out more about Foursquareopoly here.

 

We can only wait

Alas, unfortunately like everything in technology, these games are currently gaining popularity in the US, next it will spread to countries like India and then come over to places like Dubai. However, in the mean time we can get around the various check in stops in Dubai and meet with the different Mayors and Chieftains of Foursquare.

Have not yet tried Foursquare ? here is how you can get it for yourself, FREE. Available for Android, Blackberry, Nokia and the iPhone on http://m.foursquare.com ; visit it on your phone browser.