Crown Money Map Financial Software (previously Money Matters Software) is designed to ease your financial burdens by doing a lot of the thinking for you. This software is also a recommended Destination 1 resource on the Crown Money Map as a Software-Based budgeting solution. Crown Money Map Financial Software will lead you through the process of examining all your income and expenses. Meet specific financial goals such as reducing and eliminating debt, build balanced budgets, manage investments, and more. And the unique feature is that the software will teach you how to create a reasonable spending and savings plan. New Product Enhancements for 2007-2008 Now compatible with Microsoft Vista More streamlined and flexible reporting and user preference options New Transaction Detail Report option Better visual indicators when your spending plan has been exceeded Live stock quote information can be retrieved immediately within the software.

Crown Money Map Financial Software

• Budget Build a realistic budget using the Envelope Budgeting System to spend only what you earn. Import transactions from your bank account directly into Crown Money Map Financial Software
• Organize Closely monitor and organize your income, expenses, and investments with customizable user preference settings
• Reminders and Reports Set customized reminders to never miss another payment. Use the handy reporting feature to track your progress, and then print or email the report.
• Financial Teaching and Advice The Wisdom Portal includes a comprehensive online database of FAQ?s, financial advice, and online tools.

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List Price: $ 59.99

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Praised across the internet as hands-down the “best budgeting software”, You Need A Budget (YNAB) cuts to the chase with your finances. The software focuses you on the foundation of your finances: the Budget. Experience has shown that when your budget is intact, and functioning correctly, everything else takes care of itself (the bills are paid on time, retirement contributions are made, and unnecessary debt is eliminated). The software is built around Four Rules of Cash Flow. These Four Rules will help you break the paycheck to paycheck cycle, get out of debt, and save more money faster. Where other software packages tend to be the products of years of feature creep, YNAB offers you exactly what you need: a simple, straightforward system to manage your money.

You Need A Budget (YNAB) – Personal Finance Software

• Mac OS X, Linux, Windows, (Windows 7 / Vista/ XP / 95, / 98 / 2000 / ME / NT)
  Mac OS X (10.4.11 / 10.5.4 / 10.5.5 / 10.6), Linux (Fedora 8 and later / Ubuntu 7.10 and later / OpenSuse 10.3 and later)
• Stop living paycheck to paycheck – Get out of debt – Save more money faster
• Benefit from four unique, powerful rules for maximizing control over your money
• Gain financial peace by tracking all of your spending (dining out, groceries, bills) with one simple interface
• Be up and running in just minutes, also save time by importing your bank transactions
• Generate reports, schedule recurring transactions, and GAIN CONTROL.

Remember to take advantage of YNAB’s fantastic support resources: video tutorials, and free live budgeting classes for any and all interested!

YNAB is built on the powerful Adobe AIR platform, which means you can run it on Wind

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List Price: $ 69.90

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Auto loan is a personal loan to purchase an automobile. Whilst, auto financing is a general term meaning how you pay for automobile. This involves getting a credit check, hence we are known the term of auto loan credit. Financing your car needs as much research and homework as choosing the car. Here are some auto financing tips you need to know before refinancing your car.

You usually get auto financing through an auto finance company, but you can also get financing through the dealer or from the auto manufacturer. It is possible that dealer/manufacturer financing will cost you more, but it isn’t a rule of thumb. There will be occasions when a dealer will actually give you the best deal. Unfortunately, those occasions are not predictable (despite endless “must sell,” “lowest rates possible” and “no money down” advertising by dealers) and the only way to be sure is by comparison shopping. In general, interest rates on new cars are lower than on used vehicles. And, new cars can be financed over longer terms than used ones. This equation can make a new car cheaper than a used one in many cases.

Set your needs and preference before you start your research on the appropriate financing for the car. Once you’ve selected a vehicle that you are comfortable with, do some background investigation on the car. You also need to find out what the actual interest rate you are going to pay is and whether you have to make a down payment.

• The APR (annual percentage rate) is the best way to know the exact figure of interest rate you are paying. It is the actual interest rate you pay annually on the unpaid balance of the loan. The rate you are offered will to a large extent depend on your credit score, a number that dealers get from your credit report.

• Most of companies are not requiring down payment but some of them do require a down payment.

If your application is approved this information will be provided by the lender before you sign any documents. Is this deal contingent on getting subsequent approval of the financing from a third party?

Some dealers will offer you finance with low interest rate initially then call a day or two later to say they couldn’t get you financed at the rate they quoted, but they have found a lender who will cover the loan at a higher payment. Don’t fall for this.

Make sure you know who the person is financing to you and that the deal is sealed before leaving the lot. If there’s any question, tell the dealer you’ll come back and get the car when everything is settled.

Another important thing to know: your finance amount number. Don’t let one number dominate you. For example, a really low down payment is not by itself a guarantee of a good deal. You need to consider all the numbers together to know what sort of deal you’re getting.

Bottom line – know your amount numbers. Be sure, every step of the way, that you know just how much you are paying, when, how and what for! Read and understand every word of every document you sign or initial. No exceptions allowed.

Use the following Auto Loan Calculator to help you calculate your monthly auto loan payments.

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After the wedding party, honeymoon and all excitement have gone. One thing that you must think of is how to arrange your finances as a couple. Planning for your financial future beforehand is an essential part of a marriage life, so you have idea of what to expect. Some people maintain their own bank accounts and credit cards they had before the marriage; however, most newlyweds open a joint saving accounts once they get married.

Here is a list of 4 easy steps to take when combining finances after marriage and determining your financial future.

Step #1 – Determine your net worth

Net worth is the difference between assets and liabilities. Make a list to figure out your net worth, make a list of all the things that you own and assign approximate values to each one. Then make a list of all your debts. Subtract these two numbers and you will have your net worth.

Step #2 – Family accounting

You will need to decide who is going to manage your accounting. Is one partner going to manage the finances or will this be a shared responsibility? Are you going to choose to handle the finances independently, if not you will need to create a system of whose going to pay the bills.

Step #3 -  Set goals

Statistics are showing that 95% of senior citizens can’t afford to retire. Set goals and start saving for your future today. Create short-term goals and long-term goals. Make sure when you set your goals that you are actually striving for them so they should be adjusted to your spending lifestyle.

Step #4 – Plan for adjusting your finances after marriage

Many couples get married without having a financial plan in mind. It’s very important to discuss your financial situation before tying the knot that way everything is out in the open. If you don’t want to deal with thinking of financial strategies, get help from a financial planner for any needed advice.

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Loan modification are become more and more common, with the rising foreclosure rates in the United State, until recently mortgage companies have been reluctant to provide help to people facing foreclosures by utilizing a mortgage modification program. Lenders are starting to use them more often not with the huge influx in homeowners that are in jeopardy of losing their home to a foreclosure.

A loan modification (or also called a mortgage modification) allows borrowers the opportunity to re-negotiate the terms of their mortgage loans, thereby reducing the required monthly payment. This option gives people facing a financial hardship the chance to save their home from a foreclosure. Establishing a new payment plan trough a successful loan modification will help you stop home foreclosure.

Lenders and borrowers have many reasons to work through this hard situation together, and establish a suitable plan that works for all parties involved. Selling you home may not be an option, especially with today’s market conditions and the circumstances that have causes this unfortunate situation to begin with. Therefore, if your home is to be saved from foreclosure, you and your lender will have to work together.

Loan modifications are often times a reasonable solution to prevent foreclosure. By negotiating a new payment, structure lenders still get their money and the borrower is able to keep their home. However, negotiating a loan modification is not that simple. Successful loan modification will require documentation to prove your current financial position with the lender. This information is also use to verify your ability to pay the new loan if the bank is willing to work with the homeowner.

While not all banks offer this type of solution, it never hurts to talk to them and find out. Who knows, it may be just what you need to prevent losing your home to a foreclosure. Lenders are starting to work more with borrowers facing foreclosure in this difficult time, lenders do not want your home, they are in the business of lending money not property management, and with the close to two million homes in foreclosure lenders are running out of options as well. Qualifications for this type of solution, may be difficult and time consuming, but keep in mind what your goal is. Protect your most valuable asset, stop foreclosure and save your home with a loan modification.

Here is more information about Loan Modification – How to Lower Your Monthly Payment And Interest Rate Fast

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You may have heard this term before. So what are they? According to finance glossary of MortgageLoan.com, exotic mortgage is a term used to describe any nontraditional mortgages. These mortgages allow homeowners to be able to afford high-priced homes. Buyers are sometimes allowed to defer principal or interest payments to a later date. These mortgages are historically risky for both the borrower and the lender.

The followings are the latest and most exotic mortgages.

The 40-Year Mortgage

This is similar to a 30-year fixed rate mortgage, except the payment is being stretched over an extra 10 years. The lender will charge a slightly higher interest rate, as much as half a percentage point.

A 40-year mortgage gives you lower monthly payments than a 30-year loan, while allowing you to lock in today’s interest rate. But by extending the length of the mortgage, you are increasing the amount of interest paid on the loan.

These mortgages are best suited for first-time home owners who don’t plan to live in the home for more than a few years. If they can’t afford the higher payment of a 30-year mortgage, the 40-year may give a good start to home ownership.

The Portable Mortgage

This mortgage program allows a home buyer to lock in a low interest rate and then take the rate with them to their next home in a few years. A second mortgage can be used if the buyer needs to borrow more money for the new home.

When interest rates are low – and looking to rise – locking in a rate for the next 30 years is attractive. But interest rates for portable and second mortgages are higher than for standard loans. You may be looking at paying ½ to ¾ a percentage point more than on a typical 30-year fixed-rate mortgage.

This product is good for those who know they will move in a few years, but still want to lock in a low rate.

The Interest-Only Mortgage

With an interest-only mortgage, the lender allows the borrower to pay only the interest for the first so many years of a mortgage. After the grace period, the loan essentially becomes a new mortgage with the interest and principal being stretched only the remaining years. For example, you may pay no principal for the first ten years, and then pay the principal and interest for 20 years.

This gives you a smaller monthly payment during the interest-only repayment period, and during this time, all the money being paid is tax deductible. But if home prices don’t rise, your equity won’t build during the interest-only years. When your principal-payment period begins, the monthly payments will jump significantly. Most of these loans feature variable interest rate, which puts you at risk for even higher monthly obligations.

This type of mortgage is great if you know for sure that your income will rise significantly in the next few years. Interest-only loans are also a good fit for professionals who receive large bonuses as part of their pay. They can pay interest during most of the year and then put the bonus towards the principal.

The Negative Amortization Mortgage

This interest-only type of mortgage allows a buyer to pay less than the full amount of interest. The difference between the full interest payment and the amount actually paid is added to the balance of the loan. Please refer above for more information.

This gives you the option of a much smaller monthly payment during the first years of a loan. But, this is probably the most risky mortgage available. If the value of your home falls, you will easily be upside down in your load. You would owe more money on the house than it is worth.

These loans are great for those with large cash reserves who need to make lower payments during certain parts of the year, but can pay off the difference in large chunks at other times.

The Piggy Back Mortgage

This is actually two mortgages, one on top of the other. The first mortgage covers 80% of the property’s value. The second covers the remaining balance at a slightly higher interest rate.

In most cases, borrowers choose a piggy-back mortgage because it allows them to put less than 20% down and still avoid paying private mortgage insurance. The money that would be used towards private mortgage insurance is now tax deductible as interest paid.

Homeowners should expect to pay a higher interest rate on a second mortgage. The rates you pay vary greatly depending on your credit score. Since the borrower has very little equity in the home, there is the fear of the home losing value and the borrower owing more than they can sell it for.

Piggy-back mortgages are a good fit for young professionals with reasonably high salaries, but no savings.

103s and 107s

You may not need to save for a down payment at all. You could borrow 3% or 7% more than your home is even worth. These loans give you the option of borrowing money needed for closing costs and moving costs. You can include it all in the mortgage. The interest rates for these mortgages are high. You run the risk of negative equity if your home loses value.

If you have large cash reserves that work better for you in the stock market than in investing in your home, you may want to look at this type of mortgage.

Home Equity Line of Credit

These aren’t just for those who own a home. They are commonly known as HELOCs, and they can finance an original home purchase using a credit line instead of a traditional mortgage. HELOCs are variable-rate mortgages tied to the prime rate. If you use this mortgage as your first mortgage, all of the interest is tax deductible. You simply make a down payment, and the HELOC pays the remainder. You can usually use one for up to 90% of the home’s appraisal value. For a higher interest rate, you may qualify for 100%.

HELOCs can offer more attractive interest rates. You can also use the equity you build in your home at any time. HELOCs are usually structured for 10 to 20 years, instead of 30. The interest rate is variable, which means that your payment can rise at any time.

If you want to pay off your home quickly, but need the ability to access your equity at any time, you might consider a HELOC as your primary mortgage.

The Flex-ARM Mortgage

This is a cross between a hybrid ARM, which offers a low fixed interest rate for the first five to seven years and then adjusts annually, and a negative amortization loan. Each month you receive a coupon that gives you four possible payment options:

• negative amortization,
• interest-only payment,
• 30-year fixed, and
• 20-year fixed.

The homeowner decides how much he wants to pay. The bank handles all of the calculations for you. But if not used wisely, you could owe more on your mortgage than your home is worth.

A Flex-ARM is good for those who prefer to have options. The borrower should have large cash reserves for when the mortgage payments enter the later part of the loan. Like interest-only loans, they are great for those who receive bonuses during the year.

Short-Term Hybrids

These mortgages are much like traditional hybrid ARMs with fixed-rate periods and then interest rate that floats. But the fixed portion on a short-term hybrid is for a very limited time, for example, six months to a year. Lenders offer very competitive rates on these mortgages.

The interest rates are very low for the fixed portion of the loan, making the initial monthly payments relatively small. But six months or a year is not a very long period of time, but rates can change dramatically in just that amount of time.

People who plan to flip a house or move in a very short period of time are good candidates for a short-term hybrid ARM.

Loan Modification Mortgage

This mortgage allows you to change your terms whenever you want, all you have to pay is a $1,000 closing cost for every million dollars borrowed. No paperwork is necessary; all you have to do is make a phone call. You can expect to pay about 3/8th of a percentage point higher interest rate.

People who like to follow interest rates can call and have their rate changed when interest rates are down. But borrower’s must take into consideration the closing fees charged each time they modify their mortgage. Many customers with this type of mortgage have financial planners who manage the mortgage.

Click here for more about Loan Modification, How to Lower Your Monthly Payment And Interest Rate Fast

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As its name, prepaid credit cards are plastic money that functions just like credit cards in nearly all aspects, but you have to pay the spending limit upfront. It’s like a prepaid phone card you can use to buy anything at all. It is a new twist on the popularity of credit cards.

3-in-1 Personal Finance 1.0 for Mac [Download]

• Use 14 financial calculators to manage your finances including Asset Allocation calculator, Compounding Interest calculator, Future Value calculator, Loan Payment calculator, Withdrawal Amount calculator, and many other calculators
• Create your home budget using 13 top-level Income and Expense categories with over 110 allowable Budget Items, and the Rate of Occurrence for each from daily, weekly, every 2 weeks, monthly, quarterly, semi-annually, and annually
• Create short-term and long-term financial goals including the amount of money required for each goal and the goal time horizon
• Track your actual expenses against your budget and track your progress toward achieving each financial goal
• Generate graphical displays, and print summary and detailed reports

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The logistic function can be used to transform a credit score into a probability of default (PD). The advantages of the logistic are (i) it easy to calculate and (ii) as a cumulative distribution function (CDF) the output is, appropriately, a probability between 0 and 1.0. In this video, I show two approaches to the exponent, which itself is the negative of a product of vectors (-b*x). First, the two-factor linear probability model that produces a “credit score;” the credit score is then transformed into a PD. Second, an illustrated usage which starts with “internal credit ratings” from 0 to 100, with 100 representing perfect credit quality; in this case, the internal credit rating is adjusted to a scale usable to the logistic, then the logistic function is again used to compute a PD. The spreadsheet is available on our website!

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Principal plan uses a software version of the Envelope System to help you set aside portions of your income when you get paid. As you go through the month, the software tracks how much money you have left in each category. Before you spend it.
With Principal Plan, you set aside money for different budget categories by allocating your income to budget envelopes. By setting money aside before you spend it, you can easily track how much you have to spend in each category by simply looking at each envelope’s balance.

Principal Plan prints envelope balances in many convenient sizes, so you have the information to make good spending decisions as you go through the week.

Principal Plan Financial Envelope Software

• Control your spending with the envelope system so you can see how much you have to spend BEFORE you spend it.
• Easily download transactions from your bank’s website.
• Use the Allocation Plan to easily set up and manage your budget.
• Easily enter information using familiar looking checkbook ledgers.
• Export data into other Windows programs like Microsoft Excel to further analyze and graph your data.

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