I’d like my software to be able to pull bank account transaction information (obviously securely) into a budgeting database. Its possible that customers will come from many different banks. What is the best way to go about doing this?

Web Services. You must make some arrangements with the banking company for details on their exposed web services to get the bank transactions of specific users.

Once you get the specific web services, you can just call these on your application.

This video talks about short selling. There are many who want to blame short selling for the collapse in 2008. This videos discusses that if anything it is the opposite. There are resources at the bottom of the article.

Gordon Brown & Henry Paulson are blaming speculators ( scapegoats ) for the economic crash, the ban on short selling does not stop the fall of bank stocks because investors are dumping their own bank stocks, the current free market capitalist system is not “free” but rigged by those in power ( deregulations ), martial law, hyperinflation, the collapse of the financial systems looks like a controlled demolition, the “paulson plan” 700 billion bailout is a financial power grab similar to the patriot act, the unregulated banking system of derivatives is called the shadow banking system, recorded on September 27th 2008
. . .
the whole audio is at . . .

http://karmabanqueradio.com/2008/09/27/975-the-truth-about-markets-27-september-2008/

Resources:

Inestopedia: What Is Short Selling?

Wikipedia: Short (finance) Stock Market
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Duration : 0:9:55

Our company is expert in providing solutions for a particular domain. You are appointed as a project manager for a new project. You have to do Risk management. What will be your approach?

It’s important to understand that risk management is an integral part of project management. The basic approach is:
1. Identify Risk
2. Priortizie Risk
3. Handle Risk
4. Monitor Risk

It’s always good to have a database to help you do these steps. In a little more detail, I’ll explain the steps. Just want to point out that this is large topic so I’m just pointing out a very basic approach.

1. It depends on the level on which you are identifying risks but mainly, you are looking for things that affect cost, schedule, or quality. Again, that is very basic.

2. To prioritize, you would then rate the risk using the tried and true Risk Matrix which compares the likelihood of an event happening to the impact it would have if it happened. (Probability vs Consequence). Using the rating, you would then know which Risks were high, medium, and low.

3. After you have your Risks in order of priority, you then determine how you will handle them. The basic methods for handling are transfer, accept, avoid, and mitigate.

Here is an example explaining each. A requirement from your customer in your project requires an item to be shipped through a dangerous area. The risk is the item gets stolen. You can transfer the risk to someone else by hiring a company to do it for you. You can accept the risk by saying it might happen but the risk is low enough we aren’t going to do anything and just ship it. You can avoid the risk by removing the requirement from the project. And you can mitigate the risk by shipping it with a convoy of armed guards.

4. Then after you execute your handling strategies, you have to monitor those risks to see if they become problems or the risk rating changes.

It’s important to point out that risks are NOT problems or issues. They are potential problems. Once the probability of it happening becomes 100% or the event already occurs, it is no longer a risk and it is now a problem. Some people confuse risk and problems and track them together.

how much is this health care reform actually going to cost…what is the financial planning…? and what can you forecast about this healt care reform..? what do you think is it good or bad having this reform?

It is a HORRENDOUS bill, and does NOT go after what all is wrong with the present system. Cost……………it will cost FAR MORE than what the WH tells you. Just look at the track record of any entitlements from the Fed Gov’t, the costs have ALL spiraled out of control. Furthermore, they HID many costs in OTHER LEGISLATION that should have been included in this HC bill.

Managerial Accounting SFCC Fall 2007 Chapter 7 Videos

Duration : 0:6:23

Hi, I am writing an article on budgeting. I am looking for unique budgeting ideas. For example, I talked to a lady today that only uses cash and she organizes her cash in one of those coupon organizers. For example, she puts money for food under one tab, car insurance under another, etc. Let me know if you have a helpful budgeting tip. Ideally, be sure you allow email in your preferences. If I decide to use your technique, I may need to contact you for more information. Thanks.

Ok the way my husband and my self do it is simple. We have a total of two different banks we use. At each bank we have 1 checking and 1 savings. One checking account is strictly bills. The other checking account is for groceries, gas, and play money- what ever is left over we divide into the two savings accounts.

1. First I make a list of all our monthly bills–rent electric, gas, car pay, etc. say 1000. Since my husband gets paid twice a month. We divide this number by 2 and get 500.

2. Now each time he gets paid we put 500 into our "Bills " checking account. That way by the end of the month we have all our bill money–and dont have to stretch for a few weeks like we did before.

3. The rest like I said goes into our other account that we use for gas, groceries, fun or whatever.

4. That way we know each paycheck that 500 is for bills and we get it out of the account that we are spending out of.

5. This works out nicely because we know we will never be broke one week because of paying bigger payments like the rent. And that we will have plently of money till next payday.

6. Also, at the end of the 2 weeks right before my husband gets paid again. We take whatever is remaining from the play account and divide it into our savings accounts.

7. This helps us stay on track since Im in school right now–even though some weeks its only 20 bucks into savings its a nice tool using separate accounts because I have found since we pay more attention to our money because of the two accounts and actually spend less on useless junk.

Hope this helped.!

email at cole060783@yahoo.com

Religion can have an impact for financial planners in that it can provide a level of assurance to clients that someone is looking out for their best interests. Find out why it’s important for people to let go of the idea of control when it comes to finances with help from a financial strategist and consultant in this free video on religious financial planners.

Expert: Ted Schmidt
Contact: www.flgus.com
Bio: Ted Schmidt has spent the last 21 years as a financial strategist and consultant. He is active in the Hendersonville Chamber of Commerce and the Real Estate Investors of Nashville.
Filmmaker: Dimitri LaBarge

Duration : 0:3:39

Annuities work through accumulation and distribution periods. Discover the phases of annuities with tips from a registered financial consultant in this free financial planning video.

Expert: Patrick Munro
Contact: www.northstarnavigator.com
Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace.
Filmmaker: Reel Media LLC

Duration : 0:1:19

I attended a free financial planning seminar led by David Ansbro. David spent 3 hours on a Saturday morning to share his insights into financial planning. The seminar was free but the wisdom he shared was priceless. What stood out to me was that David wasnt selling anything. He simply hoped to impart his insights with people who needed it the most but often cant afford it. Davids clients are the cream of the crop. Yet, David has a heart for seeing people live their financial dreams.

Duration : 0:4:45

Financial planners typically work in the insurance industry, the mortgage industry or real estate, but some are general practitioners. Discover the benefits of financial planners having a broad base of knowledge with help from a financial strategist and consultant in this free video on financial planner jobs.

Expert: Ted Schmidt
Contact: www.flgus.com
Bio: Ted Schmidt has spent the last 21 years as a financial strategist and consultant. He is active in the Hendersonville Chamber of Commerce and the Real Estate Investors of Nashville.
Filmmaker: Dimitri LaBarge

Duration : 0:2:41