Tag Archives: prosper learning

The Top New Money Management Tools and Resources to Manage Finances

I know many individuals are looking for a better ways to manage their finances. In our family Julie(my wife and C.F.O) has done a great job keeping us out of major debt. However, we know it is an on-going  process and that is why I want to share the following:

Here’s a monster list of 18 of the top Web 2.0 finance services currently available. This list covers new sites offering services in a variety of specialized fields ranging from online banking, personal finance, investing, business tools, shared bills and housing prices. Be sure to fully investigate all the features and security details on a site before signing your life away and deciding which one best fits your needs. Or you can just choose the site with the coolest logo, always a fundamentally sound means of selection.

Enjoy, and let us know what you thought of your experiences with these sites.

ONLINE BANKING/PERSONAL FINANCE

DimeTracker is an easy to use tool that is perfect for keeping track of everyday expenses. If you are a person that constantly makes small purchases that land you in hot water when you fail to include in your check book this program is for you. DimeTracker is 100% free to use and has a mobile feature which can be used on the go. Use DimeTracker to keep tabs on spending at fast food restaurants, last minute grocery store visits, and other small expenses.

Foonance is a personal finance service designed with families, couples, and the average person in mind. This service takes a personal approach to money management with a user friendly, fun, interface that isn’t nearly as intimidating as some other sites. Foonance lets users quickly import their bank statements and other financial information so that new users can get started managing their money quickly. Users can set up different transfers between accounts and schedule transactions such as mortgage and student loan payments. These transfers can be categorized for easy reference later and pending balances can even be viewed to avoid confusion. Users have the ability to view their net worth in the program so that they always know their financial situation without having to toggle through accounts.

PearBudgetis an extremely easy to use finance managing tool that offers new users a free 30-day trial. If you have had a hard time using personal finance software like Quicken and Microsoft Money should give this user friendly program a try as PearBudget is perfect for people who have never had any luck with using finance programs before or have no experience managing their budget. If you enjoy tracking your finances with PearBudget it is extremely affordable to keep using: users are charged only $3.00 per month to keep their accounts active.

Money2Manage is an extremely easy to use software program that can be used to take care of all of your financial management needs. The easy to use app is perfect for users who have never used a financial management program before. Money2Manage lets users manage multiple accounts so that you can keep track of several different transactions in one place. It is also easy to set up a list of payees so that you can keep track of who needs to be paid what and when they need to be paid. You can easily create categories to make it easier to track different types of accounts.

Spendji is an all-in-one personal finance management tool for families and friends that have a great deal of planning to do. The site helps families create budgets that the entire family can follow: this includes handling bills, groceries, discretionary spending and much more. In addition to helping with budgeting, Spendji can be used to research costs before a trip and track expenses. Families and friends can also use Spendji to communicate and share important dates and news. Spendji is free to sign up with.

NetworthIQ is a free Web 2.0 financial management tool that can be used to keep track of all debts, account balances, and much more. This is a relatively easy to use tool that helps individuals track basic financial information. It does not have many of the tools available with other, paid-for, services but it is nevertheless useful. NetworthIQ lets users share their information with other members and even display your net worth on your personal website or blog. For those of you who are private you do have the option of keeping your information to yourself. Even if you do choose to share, none of your personally identifiable information is ever made available to other members.

INVESTING

Zecco combines a free online investing tool with a financial community. Users can set up an account at no charge and make stock trades without paying commissions or fees. This feature alone makes the site extremely popular with individuals who are interested in stock trading but unable to afford the fees and commissions associated with trading. In order to sign up for an account you must be able to provide proof of employment, a copy of government ID and your banking information. This information must be faxed to Zecco before you can start using the system.

BUSINESS TOOLS

Analysis One is an online tool designed to help businesses manage their finances and keep track of their organization. The tool is extremely easy to use but provides a wide variety of professional features that will primarily help business increase efficiency and productivity. The core competency of the app helps businesses to analyze their financial performance and identify strengths and weaknesses.

Endeve is an online electronic invoicing tool that can be used by self-employed individuals or businesses. Invoices can be created in only five minutes: there’s no more messing around with paper invoices and keeping track of paper receipts. These electronic invoices will help your business manage clients and keep track of revenue that is earned. Once you get started with this system you will cut down on the amount of revenue being lost because of poor invoicing habits.

Xpenser is an online tool designed to keep track of forgettable business expenses as soon as they are incurred. The tool is completely free to use and works with mobile devices including cell phones, Twitter, IM, and PDAs. Xpenser gives users an easy way to document expenses such as client dinner meetings, last minute travel and unexpected hotel expenses immediately. Xpenser helps cut down on reporting and expense errors that take place when spur of the moment business expenses are not accounted for, which saves you money and time.

Clarity Accounting is designed with the needs of professionals and small business owners in mind. It is a must have for self-employed individuals who have a hard time keeping their personal and business expenses separate. Clarity Accounting helps manage the income earned through professional work and the expenses that go towards business necessities. Multiple users can access Clarity Accounting, and it also has extensive customer support if needed. Clarity Accounting also makes it easy to back up information in case of a computer crash or other malfunction.

iOWEYOU is a unique expense-tracking program designed for anyone involved with casual lending and borrowing. It lets friends and family members easily keep track of who owes who what amount of money. The service is designed to be used by multiple individuals so that everyone can be involved and aware of transactions. iOWEYOU is great for family members who split household expenses and friends that are constantly arguing over who owes who money. Bear in mind that this is not intended to be used to manage personal finances or keep track of large sums of money, rather it is meant to replace classic “I Owe U” notes so all parties are the same  financial page

Humbly posted,

Devin Willis

Resources

The Top 18 New Money Management SitesWallStreet Fighter

Six Invaluable Online Resources For Personal Finance Education-Written by TrentThe Simple Dollar

Principles of Wealth Building Via Prosper Learning Coach-Posted by Devin Willis My Discoveries on the Road to Prosper and Learn


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“Prosper Learning” + Starfish Story=Making a Difference

The Starfish and Our Student/Customer

starfish.gif

While walking along a beach after a particularly high tide, a man noticed a boy picking up starfish after starfish and throwing them back into the sea. When he neared the youngster, he asked, “What are you doing?”

“These starfish will die if they don’t get back into the water,” the boy replied as he hurriedly continued his work.”

“There are thousands of starfish on this beach,” the man said. “Nothing you can do can possibly make a difference.”

The boy held out the starfish he had just picked up. “It makes a difference to this one,” he said and threw it into the ocean.

Like these starfish, there are more students and customers in desperate need than any one of us could possibly hope to make happy or reach 100%. Their numbers are daunting, causing many of us to resign ourselves to the notion that nothing we can do can have any real impact on a problem of such magnitude. And if solving these problems and trying to make every person happy is the goal, they are right. But our the focus is on touching individual lives and you have a team to help you ;0). Some may think what we do may not significantly effect the world’s problems, but if one more person is much happier because you helped him/her with downloadable book or change of a coach. That would mean one less problem, if everyone helped perhaps the world would be a better place? It has a ripple effect (please read about in the success stories) .

But ,we know it makes a difference to each one of those students that you touched for the better.thumbs.jpg

Presented by Devin Willis

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Dr. Nancy Wasson, Ph.D, and Lee Hefner are Helping Couples Have Better Marriages

Dr. Nancy Wasson, Ph.D, and Lee Hefner of Birmingham, Ala., have taken their Internet business to new heights. They have helped many families!

Dr. Wasson and Hefner, who are married, co-authored Keep Your Marriage: What to Do When Your Spouse Says “I don’t love you anymore!” and Wasson provides marriage coaching. The couple market their products on-line, and publish a web-based newsletter using the education and coaching support Prosper provided.

“Over the past several years, our newsletter has grown from nothing to having over 18,000 subscribers world-wide today. The great thing about our success is that we know we’re helping couples have better marriages,” said Hefner.

I have been reflecting on the last twenty years with my best friend and wife Julie , and I know and continue to learn that showing my love through my actions and remembering  say the words “I love you; I need you; I think you’re beautiful; I appreciate you; thank you” and you help me so much; you are such a great mom; you’re one of the most intelligent people I know.” I look forward to an eternity with Julie and my hope is all of my readers happiness in their relationships!

Humbly

Devin Willis

Related Resources

How to Stay in a Marriage When Times Are Tough-from EzineArticles.com written by Lee Hefner

How to Strengthen Your Marriage with Three Good Habits from EzineArticles.com written by Lee Hefner

Alabama Couple Reaches Wider Audience Thanks to Prosper-Provo, UT, June 26, 2008 —Jason Russell-Prosper Inc . Press Releases

Ethan Willis and E-strengths assessment helps Martial Artists- By JamesModern Kung fu-Total Combat!

One Minute Entrepreneur + Martial Arts business Could help By JamesModern Kung fu-Total Combat!

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Tip to Reduce Gas Usage and Save Money!

Janis, sent the below tip. She claims to have saved money and wanted to share it with others!

On Tuesday, May 20, 2008, at a press event held at the National Press Club in Washington, D.C., the Alliance to Save Energy and the Wal-Mart Foundation, together with 16 other partners, launched the Drive $marter Challenge (D$C) – www.drivesmarterchallenge.org – a fuel-efficiency campaign to help U.S.

Another innovative feature of the campaign is a Broadband Media website at www.DWJTV.com/DriveSmarterChallenge with all of the campaign’s downloadable elements – video in multiple formats for TV, audio, images, photos, logos, and jingle. The site also includes a multi-media news release, campaign fact sheets, and bios.

Thank you Janis!

“Devin Willis”

Resources-“Campaign Update, Volume 1, May 2008“-and  Drive Smarter Challenge– Free Driving Tips

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I Love Talking with Our “Prosper Learning” Coaches!

Some Tips and Wisdom I found helpful!

I was talking to one of out coaches (@ Prosper Learning) and he refereed me to our success center . I found  a  great article “Manage Your Finances” that stated

“.. It sounds obvious but few people do it. Financial management is an ongoing, unending process. Start with the most fundamental elements; know your net worth and track where you money is going. These are both very simple tasks. Track every penny you spend. Use a day planner or spreadsheet or whatever is easiest for you. It is impossible to manage your finances if you don’t have the necessary information at hand. Your net worth is figured by simply totaling all of your assets (what you own) and subtracting all of your liabilities (what you owe). If your net worth is increasing month to month you are on the right track…”

Coach Gail Long  Posted the following

“…Just as the Boy Scouts have “Be Prepared” as a motto, we need to have a Prepared Pantry. This is not just for major disasters such as hurricanes, tornadoes, floods or earthquakes; it can be as simple as an increase in gas prices, loss of a job, or even no overtime at your job. In these uncertain times it is necessary to build and maintain our pantries so we can always feed our families. It may not be their favorite meal, but no one wants their family members to go hungry. Each family is different and has unique food needs.
FEMA has lots of additional information on preparedness, for additional information from them go to
Are You Ready?
Are You Ready? An In-depth Guide to Citizen Preparedness (IS-22) is FEMA’s most comprehensive source on individual, family, and community preparedness. The guide has been revised, updated, and enhanced in August 2004 to provide the public with the most current and up-to-date disaster preparedness information available.

In an article titled “Taking the Bite Out of Food Storage” (“Random Sampler,” Ensign, Mar. 1992, 72-73) four steps were listed to ease your way into a Prepared Pantry.

Step 1: Learn the basics of home storage. Doing so will save you time, money, and effort.
Step 2: Acquire an emergency supply of life-sustaining foods and water and store them properly.
Step 3: Build up your storage gradually. It’s amazing how fast storage shelves can fill up when you buy commodities in double quantities—for example, one can of beans for regular use, the other for storage
Step 4: Eat what you store and store what you eat. For more Tips

Resource:

Prosper Learning Personal Finance – written by The Prosper Financial coaches-These coaches have established a strong reputation for success by helping thousands of students learn effectively manage their personal finances and investments. The department currently has over 100 years of personal financial experience.

Prosper has assembled one of the most experienced, qualified financial coaching organizations in the world, and has made financial independence affordable for virtually every family in America. Prosper’s program combines interactive learning and veteran coaching to guide clients through the process of creating their unique Financial Independence Plan. Our coaches are more than cheerleaders. They are educators, advocates, and mentors of the mind. The proven principles we coach include the following areas

  • Goal Setting
  • Cash Flow Management
  • Risk Reduction
  • Accelerated Debt Elimination
  • Emergency Planning
  • Small Business Philosophy
  • Investment Planning
  • Tax Reduction
  • Retirement Planning
  • Creating Wills and Trusts
  • For more … http://blog.prosperlearning.com/financial/

Save Your Money in 5 Easy Steps
Five Tips to Saving Money

Prosper Learning coach Brice Hogan shared the following:

“…Marching your way to financial freedom takes a lot of discipline. So I want to impart some wisdom on how to keep a little more money in your wallet when you shop around for things.

Groceries

My wife says that I am the king at grocery shopping, and I am. That is because when I go I try to look for the best deals possible I bring a list and stick to it. Generally I go during the busiest time of the week which is either the weekends or on Mondays. These days the store will have a lot of discounted. So shop on the busiest days. Better Deals. Also if the store has a frequent shopper club join it and you can get additional discounts. The grocery store I shop at, if I purchase a certain amount I can get 5 to 10 cents of gas. These days it’s totally worth it.

Dollar Stores

If you have a dollar store in you area use it. I find it a good place to find household cleaning products, bathroom cleaner, laundry detergents, some food items. Take advantage of these places they also stock some name brand products so it can be an effective way to save on your budget.

Find your Coffee Factor

David Bach has an excellent book called Automatic Millionaire. In it he describes what is called a latte factor. This is basically a vice or habit you spend a lot of money on. It could be cigarettes, eating out, excessive shopping, etc… If you have a vice or habit you spend a lot of money on cut it out completely or scale it way back to save you some coin.

Reviewing Insurance Policies

A great way to save some money is to review your auto insurance. Just by increasing the deductible to a manageable amount you can save $5 – $10 a month and maybe more. So call your insurance agent up and ask.

Bundle Away

You can save a lot of money these days on tv/internet/phone bill by looking into bundles. Companies have made it cheaper for you to buy bundle packages. I have seen packages for $100 in some areas which can save you a lot of money in the long run for you.

These are just some tips that might be able to save you a little money during the month.

Resource:

5 Practical Steps to help Save You Money-April 3rd, 2008 | Category: Personal Finance-Prosper Learning Personal Finance – written by The Prosper Financial coaches-These coaches have established a strong reputation for success by helping thousands of students learn effectively manage their personal finances and investments. The department currently has over 100 years of personal financial experience.

Get out of Debt Slowly?

Micah Richards share’s the following insight “..Our main focus is to get out of debt, and take the next step in building our own financial independent. These are some huge goals, and will not be something we can do in a week, or even a month. We may even need to wait a month to see any results.

A good idea is to write down ten short time goals you can accomplish in one week. We need to focus these ten goals on items, habits, or struggles we are currently having with our personal finances.
Here are a few sample goals that will hopefully give you some more ideas of what types of goals we are looking for:

1) I will bring a sack lunch to work all week.

2) I will walk to any location I need to go, that is within 1 mile.

3) I will bring breakfast each morning to work.

4) I will go to the grocery store once!

5) I will avoid vending machines, and coke machines.

6) I will eat before I go shopping.

7) I will go through my fridge, and eat all the leftovers.

8) I will read one book on how to achieve financial freedom.

9) I will watch one program on how to achieve financial freedom.

10) I will listen to a financial guru, either on the internet or on CD.

The above examples are once again to get your mind thinking of what personalized goals you can use.

I have also included a very simple document to use. It is so simple, you do not need excel or another program to run. You can cut and paste it, and even print it. After you have completed the goal for a week, you check it off. You will see a difference in your spending habits, and also see a psychological difference that you believe more in yourself, and that you can achieve the longer goals of getting out of debt. Good luck, and have fun! After a few weeks, if you feel confident, change your goals to a month.

Number CHECKLIST OF 10 Weekly Goals Check when Completed

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Comments..”

For more great tips go to Prosper Learning  Personal Finance Blog-written by The Prosper Financial coaches-

I remember trying to figure out grants and hen it was explained to me by one of our mentors Dane here at Prosper Inc.. anyway I cacme across this post I thought would be helpful to anyone ! Most experts agree that a mentor helps us h avoid costly mistakes!

I really enjoyed author Grant Gary thoughts in his article. He wrote

“…Funding from grants is often at the core of a successful technology plan, but writing proposals requires a bit of magic and a lot of time. Grants can be a good way for educators to collaborate on building strong programs, but some creative thinking is also required. Here are eleven hints that can help you rake in the funds…”
#1 Find a brighter idea
#2 Get better organized
#3 Prepare an elevator spech
#4 Get a support group
#5 Set your watch
#6 Fill in the holes
#7 Judge for yourself
#8 If you got it, share it
#9 Known when to stop
#10 Make it a practice
#11 Party and give thanks”….For more tips click here

(Resource –The Better Ways to Win a Grant Gary A. Carnow from Tech&Learning)

I hope you find the tips helpful,

Devin Willis


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How can you become a Great Leader!

Are You a Great Leader?

In the book From the Top:  The Search for America’s Best Business Leaders, a few  key traits for great leaders:

You must have a vision.  Not only must you have a vision, you have to communicate that vision to your people.  Of course, you have to keep the vision in mind all the time.  You should update it periodically and involve your staff in the process.

You must have passion. the book points to Christopher Columbus and Leif Ericsson as examples of passionate leaders who led their men into dangerous and difficult situations.

You must learn to be a great decision maker. Use the Q-CAT system:
( I was taught to call it fast think)

* Q=Quick.  Be quick but not hasty.
* C=Committed.  Be committed to your decision, but not rigid.
* A=Analytical.  Be analytical, but don’t over-analyze.
* T=Thoughtful.  Be thoughtful about all concerned.

You must be a team builder. To become a great leader, you must develop a great team; a well-run machine.

You must have character. Without this one, you might as well forget the first four.

I feel lucky to be working with a company that has great leaders! Ethan Willis and Randy Garn and the rest of our Executive Team have the above traits!

Devin Willis

Resource that may be helpful

5 Keys Traits of Great Leaders Discover the five things you can do to attract and retain outstanding employees. By Patty Vogan -April 17, 2006-(http://www.entrepreneur.com)

Are You going to force your kids to Graduate?Devin Willis– Will this help them Prosper and Learn?-August 6, 2008- (https://prosperstudentcare.wordpress.com)

Determine Your Leadership Style-As an entrepreneur, you are the leader of your company. And to become a great leader, you’ll have to look within yourself. Start by examining the different types of leadership styles.(http://www.entrepreneur.com)

Ethan Willis in the News! E-strengths assessment helps others (Leaders)and Entrepreneur.com
July 24, 2008 (https://prosperstudentcare.wordpress.com)

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Get More Done In A Day:Work Smarter


“Get More Done In A Day: Making the Most of Your Time”

“Everyone has it, but nobody has enough of it.”

Time is probably your most valuable asset. How valuable it really is depends on what you do with it. Everyone has same amount. Today’s most successful business people often spend no more time at their work than then average American. The difference is how effective they are with the time they are given.

Like so many other things in life, the solution to this problem depends entirely on your mindset. And while there is no foolproof formula for squeezing more out of your daily 24 hours, we offer up this selection of tips and techniques for working smarter and faster, without sacrificing important personal and family time.

Write it down-The first step in discovering where your time went is simply locating where you put it. You can do this with a time log.

Work smarter.It’s a cliché: “Work smarter, not harder.” But like most clichés, this one is often overlooked. So what does it mean to work smarter?

After writing it down , It means studying a task, looking for ways to accomplish it more efficiently. Maybe it’s as simple as using more efficient software. Perhaps it’s using a more effective filing system in your office.

Stop stressing about what you need to do. That doesn’t mean throw away your “to-do” list. It means rather than wasting time thinking about getting what you have to do, simply do it! The more you think about “what I need to do,” the more excuses you’ll find to put it off. Just pick a task and get to work. Before you know it, you’ll be ready for the next, and the next. Soon you’ll realize that you’ve accomplished a lot more than you would have by simply thinking about the things that needed doing. And you’ll be happier in the process!

Make your mornings count.
You’ve probably noticed that your morning sets the tone for the rest of your day. Some days you may roll out of bed with too little sleep or motivation to jump right into work. Unfortunately, that circumstance will carry over throughout the workday, leading to procrastination and lower productivity. Conversely, starting your day on the right foot can make a world of difference in what you accomplish.

Getting enough sleep is critical to starting your day off right. Be sure to plan to get to bed early enough to wake up refreshed in the morning.

Know Your Priorities.-Think about what’s important. Is it catching the latest episode of CSI? Or is it achieving success? Sometimes, when people are truly honest with themselves, they realize that their real priorities are activities that don’t contribute to what’s most important.

Let Go of Negativity-Nothing takes the wind from our sails like negative thinking. Unfortunately, many of us hold ourselves back from achieving our goals with thoughts like, “This is taking too long,” or “Maybe I’m not up to this.” What we tell ourselves has a great impact on how we perform. For more see  Get More Done In A Day: Making the Most of Your Time

More Resources:

Overcoming Negative Thoughts Is A Key To SuccessMy Travel’s on the Roads in how to Prosper and Learning

How To Get More Done In Your Day-Entrepreneurship- Youngentrepreneur.com

Simple Advice From Prosper Learning Coaches!-My Travel’s on the Roads in how to Prosper and Learning

Reevaluate and Recommit-Accomplish Your GoalsProsper Learning (Prosper, Inc)

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