5 Personal Finance Apps For Your Smartphone

Remember that foggy zone you used to be in when you wanted to take complete control of your finances? When you wanted to be more responsible in saving and spending to plan the present and future? Those foggy days are over and the days of finance apps on your smartphones that bring more clarity with ease of use are here. We are discussing top 5 finance apps that will prove to be useful to you.

  1. Mint.com Personal Finance

This application is one of the best personal finance apps. It syncs with your bank transactions and categorizes them automatically. It creates customized budget based on your past spending. It keeps track of your spending and keeps reminding you about your budget. You can create separate mini budget for entertainment, gas, eating out- things you want to monitor. The app sends you reminders, alerts and colour codes the categories so that you know when you reach danger zone. It also offers tips on stocks and investment.

Platform: iOS, Android

Price: Free

2. MoneyWise

This app is very easy to use. It is a budgeting and expense tracking app. MoneyWise enables you to set your financial goals. It monitors the cash flow, categorises your expenses and with the help of colourful charts and graphs it lets you know about the status of the expense categories. You can export the data from this app as HTML or CSV files.

Platform: Android

Price: Free

3.Spending Tracker

This app as the name suggests tracks your expenses. It will help you unlock the mystery of where exactly your money goes every month. You will be able to organise your expenses on daily, weekly or monthly basis. It can be customized to suit your needs. The easy to read fonts and charts make it a fun little tracker.

Platform: iOS

Price: Free

4. Expense Manager

This app enables you to track your expenses across categories on weekly, monthly or yearly basis. You can search for individual transactions, set up payments alerts, import and export data from your phone to your desktop and take pictures of receipts while storing. It has currency calculator, tax calculator etc. It is a neat little useful app.

Platform: Android

Price: Free

5. You Need A Budget (YNAB)

This app is one for the whole family. It syncs with YNAB desktop software (required). It can budget across multiple accounts, analyse and can show the transactions of the whole family instantly. A free version is also available.

Platform: iOS, Android

Price: $4.99

Education Loans – How to Get One?

It is needless to say that education is compulsory to everyone around. A man with no education suffers a lot of humiliations and negligence. However, with soaring prices of every commodity and services, receiving a good higher education has become an expensive affair. This is true many of you are not born with a silver spoon; you need to consider several times your financial status before you apply to study abroad for higher education. In the absence of any amenity you might have to suspend your educational plans.

However, now you can put all your worries at bay; education loans have been designed to fund your education and complete your studies without any financial difficulty. Now, you need not have to discontinue your studies due to the lack of money. A lot of financial institutions and local government authority aid you to seek educational loan for higher studies. You can apply for education loans despite of the fact you have a poor credit history. You need to get in touch with some lenders in the market who tackle with bad credit loans but they charge a high interest rate on such loans.

Education loans bear your tuition fees, accommodation fees, meal charges, transportation expense etc.

Today lots of universities provide its students financial assistance which is a great monetary help for finishing education. For a bright and hard working student scholarship programs are also launched by the college every year. This financial assistance depends upon the department, University and the course or program you are doing. Usually there is more financial aid for graduate levels rather than under- graduate programs and the degrees like Engineering, medical and physical science are given more preference as compared to management or social studies.

The federal loans or government loans are another option to complete your higher education and secure your tomorrow. Today government of many countries gives its students an incredible opportunity to go abroad for higher education without compromising with their dreams and future. To apply for government loans, you minimum age should be 18 year and must have a clean background. You can apply for government loans for seeking education in Medical, Engineering, Commerce or Management studies.

You can apply for education loan from the private banks as well but you should have a good credit record for that. These private banks have higher interest rate and they keep a very strong background check.

Once your loan is approved you may relax and finish your education without any worry of repaying the loan installments. It is mentioned on the document that your loan repayment starts once you have finished studies and have started working in a company. However, if due to some personal or professional reason you are not able to find a job immediately then you are given a grace period which could be between one to two year. Therefore, you get plenty of time to repay your bank loan and focus on your career.

Educational loan is provided for basic education and professional or technical education. The education loans have become an effective tool for the students to finish their education and make their career secured and safe. This is true education in US and UK lures most of the youngsters for world class environment and excellent job placements. You can now enjoy this quality education and global exposure by applying for education loans.

Five High Schools Seniors Get $123,000 For College

Five graduating seniors from Nanaimo District secondary school earned $123,000 in scholarships for college this fall.

Stephanie Robinson, the career counselor for the school, said that students are having better opportunities getting scholarships because universities and colleges are making information on scholarships easier to access.

Kulveer Parhar, the top senior of the graduating class is going to University of British Columbia in hopes of becoming a doctor. Parhar received $65,000 in scholarships. His major scholarships were a $40,000 UBC entrance scholarship and a $20,000 national Millennium Scholarship. He also won some other small awards. Parhar was very involved in activities during high school which included being a big brother, coaching soccer and basketball and helping out in the hospital.

Brendan Boere won a $20,000 Millennium scholarship for his part to raise money for sustainable programs for the youth on Gabriela Island. He is also planning on going to University of British Columbia to study medical sciences.

Heidi Granter is heading to Queen’s University in Ontario with a $10,000 scholarship. Granter said she will be studying political science and economics but does not have an idea about she wants to do for a living.

Hayley Sedola will be earning a $12,000 scholarship and is also going to Queen’s University. She is studying to become a biomedical engineer.

Andra Jakobson is going to University at Ottawa with a $16,000 scholarship over four years. During high school, Jakobson helped raise funds to help children with AIDS at an orphanage in Zimbabwe. Jakobson wants to study international development and globalization in hopes of joining politics and fighting for resources for third world countries.

Financial Assistance For Cataract Surgery – Your Complete Guide!

First of all, what do you know about cataract?

Cataract is the most common eye disease in which people usually face the problem of clouding of the natural lens of the eye. This problem also results into the problem of blindness.

Metabolic changes happening in the crystalline lens fibers over a long duration of time may lead to the risk of the cataract and partial loss or total loss of transparency. Consequently, this may lead to the loss of the eye sight.

What should be ideally done during the surgical operation?

During the cataract surgery, the cloudy natural lens of the eye is removed and the lens’s transparency is restored by replacing it with a synthetic lens. It is usually accepted that a normal cataract operation can cost patients as much as their annual income.

What are the indirect costs incurred during the surgery?

As a matter of fact, indirect costs usually include travel and accommodation, which are much high in a large city. Only a few handfuls persons are able to operate their eye disease at the early stage, but the rest of the general public depend on a financial assistance for cataract surgery.

What is the good news in this article?

Lots of money is invested in the cataract surgery, usual prescriptions, and medical care. Therefore, it is not unusual to get this kind of help and, therefore, it is advisable for the patients to access financial help resources under the certain criteria on medical basis.

Who qualifies for financial aid applications for cataract surgery?

Obviously, a financial aid application can be filled by those patients with a certificate from their personal eye doctor asking for a medical assistance. In most cases, the grant is approved after a detailed analysis of the given reports by a panel of doctors.

Who comes under this funding option?

Patients, who need a treatment for glaucoma and an implantable contact lens, are also generally covered in this funding. If a patient has a low income, then he/she is qualified to apply for a medical aid program.

In this case, financial assistance for cataract surgery may pay half or almost the total cost for contact lens or glasses. This is generally applicable, if the patient requires them after a successful surgery.

What happens in case patients need to undergo the surgery immediately?

Those patients, who are in need of an immediate cataract surgery, can claim for cataract surgery recovery treatment from the hospital. To do it the right way, they need to present valid medical documents in front of a highly experienced panel of doctors.

Where should you go if you are plan-free?

In some countries, e.g. United States, England, Germany, national resources provide financial aid on regular bases to people who have problems with their eyes. For example, Recognized Eye Institute (REI) that supports eye research does help patients to pay for eye care through their financial grants.

It is also recommended to give non-governmental organizations related with eye care a serious try. In many cases, they do offer financial assistance for cataract surgery. If you need further details, then you should drop a visit to eye care information centers, leading eye hospitals, and research centers dealing with eye care.