Thursday, June 16, 2011

Perfios (PERsonal FInance One Stop)

 Perfios, an online personal finance software, offers a one-stop solution for managing your money. Apart from features like auto-updates from financial institutions, you can export your accounts and create backups in different file formats, upload existing data from excel sheets (if it cannot be fetched) and also automatically configure your email account statements to update your account.

Perfios (PERsonal FInance One Stop) is a one-stop portal that provides a complete view of your financial status at anytime, from anywhere (yes even from your mobile phone). It is also first of its kind in India and completely web based.

.Some of the important features of the solution are automatic aggregation, statement upload, that allows you to get a 360 degree view of your financial health at any point in time and to add to it Perfios comes fully loaded and completely FREE. SIGN Up.

You would be an ideal Perfios user if you have faced situations like…
If you have multiple bank accounts, credit cards, investment in multiple mutual funds schemes, equity investments etc and would like to manage all of them at one place.
If you always wanted to analyze your incomes and expenses and understand where you can make better savings.
If you wanted to keep all of your family’s financial data at one place to get a clear picture of the tax liability/ EMI’s/ Loans etc?
If you have forgotten to pay your credit card bill/pay insurance premium on time and suffered a hefty loss in terms of interest charges!! Mobile bill? Bouncing of cheques due to insufficient funds?

Perfios also it accounts for the various reporting standards adopted by Indian Financial Institutions and Asset Management Companies. It is also constantly updated with the latest regulatory requirements including Tax laws. The Perfios solution is available free of cost to retail customers. Perfios started as “registration based on invitation only” but has since been made open to retail investors.

Special features of the Perfios software include:
(1) Perfios automatically updates the portfolio of a user from financial institutions (like Citibank, etc) using patent pending security architecture. Currently, it supports about hundred odd institutions.
(2) It gives a 360 degree view of the finances. It supports almost all of the asset/liability classes like: Savings Banks, Credit Cards, Mutual Funds, Equities, Fixed Deposit, Small Savings, Real Estate, Misc. assets, Cash register, Insurance etc.
(3) Also computes capital gains and Tax liability,
(4) Automatically categorizes the transactions,
(5) Provides various Quick reports for deeper analysis,
(6) Tracks movement of money between accounts using transfer categories,
(7) Gives a neat Dashboard view of your financial health,
(8) Also provides a safe and secure electronic vault to keep all your documents!
(9) Share accounts with other Perfios users (family and or Tax Consultant)

How it works:
Becoming a member is easy. All you need is an e-mail id to register. No personal information, including your name or address, is required, which means that your identity is secure. To link your accounts, you will need to input the Net banking/broking user ID and password.

An additional layer of security is that all such information will be encrypted so no one will be able to access the data. Also, information such as transaction passwords or the CVV of your cards is not asked for, so no one can misuse these.

You will only need to do this once. When it's done any financial transaction you conduct will be automatically updated on the Website, whether you withdraw money from an ATM or receive dividends and bonus shares.

In case of Intuit, you can also manually update expenses you have paid through cash. However, you cannot use these sites to make any payments.

Most people are wary of using these sites because of security issues but all the site owners assure that they have security certificates from VeriSign and TrustGuard.

To assure customers banks too have begun providing this service, though at a smaller scale, such as ICICI Bank's Money Manager and HDFC Bank's One View.

Some of the sites now also help you compute your tax liability. "On the basis of your transactions and investments , the tax wizard calculates your income, deductions and capital gains, and how much tax you need to pay. You can also include any other information manually and generate reports that will help you fill up the ITR forms," says V.R. Govindarajan, co-founder and director, Perfios.

Tuesday, March 22, 2011

FastStone Screen Capture - The Best Screen Capture Software

FastStone Screen Capture is the Best Screen Capture Software.

FastStone Capture is a powerful, lightweight, yet full-featured screen capture tool that allows you to easily capture and annotate anything on the screen including windows, objects, menus, full screen, rectangular/freehand regions and even scrolling windows/web pages.

FastStone Capture saves files in BMP, GIF, JPEG, PCX, PNG, TGA, TIFF and PDF formats.

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