Let Robots Do The Work
YOU can access major repositories of personal finance information through your computer. Although the lines are blurring among these categories, they're roughly defined as software, apps, and the internet:
» Software refers to computer programs that are available to be downloaded online. Most of the mass-marketed financial software packages sell for under $100.
If you've ever used a word-processing program such as Microsoft Word or a spreadsheet program such as Microsoft Excel, then you've used software.
» Apps, which you download onto a smartphone or tablet, are kind of like software. They run on your phone and tend to be less costly (albeit generally less sophisticated) than computer software.
» The internet refers to sites that provide information and services to help you manage your financial life, including online bill paying. Most of the financial stuff on the internet is supplied by companies marketing their wares and, hence, is available for free.
Some sites sell their content for a fee. (Flip to Chapter 1 for more about identifying unreliable sources of information on the internet.) This section gives you an overview of how to use technology, software, apps, and cyberspace with your finances. (You may hear the term fintech, which is simply a shorthanded way of referring to financial technology or the integration of technology into companies in the financial services industry.)
Assessing financial software Although the number of personal-finance software packages, apps, and websites is large and growing, quality is lagging behind quantity, especially among the free internet sites. The best software programs can.
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