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Submitted by: Luigi Eiseman
Some are not aware know that one can manage and check their finances overthe internet. It’s part of an effort by the computing technology industry to implement a fairly new form of computing in which you don’t have to have any application software on your system.
Several years ago Sun Micro Systems introduced this idea and it is called thin client computing. Your personal computer acts like a terminal instead of a computer. This way interacts with a program that is running on a web server rather than on your machine. With thin client computing, you can use any program service online and not have to purchase expensive software.
Easily Manage Online Finances
One nice benefit is that online personal finance sites follow the thin client paradigm. You receive dat and graphics and your browser serves a s graphic interface. The data is despatched and received to and from internet servers, the site where the program that’s managing your session resides and runs. All computation is done on the server side. Your computer just displays and receives input. Of course, this means that your data is also stored on the server rather than on your computer. For services offering management of personal finances on the web, this can be a dubious proposition. You will want to assure yourself that your data and personal information will be safe and accessible later for tax savings .
Quicken Online is the best example of such a service. It uses categories to group your online transactions which you setup. You can also add or delete your own categories. Also you can add, delete and edit transactions, which will be either of the expense or the income kind. You can then view charts for a quick view of your income and expense performance. This is a fee based system that costs you only a few dollars each month.
Another example is Mint.com and is offering an online personal finances service that allows you to track your income and expenses. As of this writing, this service was free. You’ll need a user name and password when you join to access your accounts. You setup for the capture of your online transactions and these are stored for you on the servers. Each transaction is categorized, and Mint.com uses these categories to offer you deals they’ve got to make money too. For instance, if you have a transaction under the telephone category, Mint.com suggests some deals for phone services. Supposedly, these deals will save you money. One can even purchase bank checks over the internet at considerable savings over what a bank would charge; about 50%. For many people, this may be irritating, but you can put up with a little irritation for a free service like this, can’t you?
There are a great deal of other online services for personal finances have appeared since the feasible thin client computing concept was invented. One can even pay bills online. Your personal data is captured, so be aware what safeguards are in place to ward off any prying eyes. It’s great freedom to have an online alternative. Best of all, you don’t need to download any programs!
Whatever the service you require in is accessible online. You can even order checks on line online and have a 50% savings. The process to order checks online is faster than physically going to the bank and placing an order, plus you have more of a variety of check designs to choose from.
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