(LT) Personal Capital – Mobile Money Management Buddy

This is a Sponsored post written by me on behalf of Personal Capital for SocialSpark. All opinions are 100% mine.

The single most important part of your financial life is knowing what you have and where it is. It seems like life has gone mobile, and your finances should be no different. Keeping tabs with all aspects of your finances is extremely important, and with Personal Capital’s mobile apps, personal finances are literally at your fingertips.

The Personal Capital Application, available on iPhone, iPad and Android, allows you to access all your financial accounts in one aggregated view. User’s asset growth is presented in a beautiful, concise, and clear format. Accounts from disparate investment formats (such as mutual funds, stocks, money market accounts, checking/savings) are integrated with ease. Private investment advisors are available to provide additional account management services for a low 1% fee, but the app itself is 100% free.

Although I’m not using any Apple gadget, I’m glad that Personal Capital app is now available for free to Android users like me. It has quick and easy access to information on how much money you have or you don’t have at particular time. It also monitors spending using credit cards.

Definitely, Personal Capital will make it easy for me to watch over my finances from my salary to savings accounts to credit cards to my mutual fund and stock investments. Looking at how it works, I will even get to analyze and compare which investment fund can save me money by identifying the lowest mutual fund fees and charges. It is indeed a powerful and insightful tool for managing finances. Continue reading (LT) Personal Capital – Mobile Money Management Buddy

Not Everyone Earns Like U2. What Should You Do?

Forbes ranked U2 as the 4th highest paid musicians in 2012, pulling in $78 million on the tail end of the group’s record-breaking 360 tour. Their total gross earnings for 3 years? – $736 million.

But not every musician or band can earn as much as what U2 does. As what my previous post revealed, a lot are even playing unpaid. I personally believe that even heroes should be paid. Remember Parokya ni Edgar’s “Mang Jose“? 😛

A lot of people, including musicians find dealing with finances a very daunting task. But in reality, when you learn the basic approaches to managing your personal finances, you will find the tasks a lot easier than you thought.

Here are some of the most important finance concepts that every musician should know. Continue reading Not Everyone Earns Like U2. What Should You Do?

Congratulations, You Just Wasted Your Money

I hear people saying that living only on 70% of their income is completely ridiculous. Impossible. Crazy.

But you won’t see them cutting down their spending on cigarettes, liquor, partying, gourmet food, expensive coffee, and a whole lot of lovin’.

For those who don’t believe in the Power of Compounded Interest, let’s check how much you wasted when you purchased the following things from 2011 to 2012. Continue reading Congratulations, You Just Wasted Your Money