What to Look for in Personal Finance Software

The personal finance software you utilize can have a major impression on your financial state of affairs. The finer programs let you deal with your budget and easily see unerringly how much is coming in and going out. Nonetheless, some programs are more right and proper for small businesses, while others are more right and proper for investors or for keeping track of a household budget. What follows are some reviews of well known personal finance software programs and advice on choosing among them.

Before you buy any personal finance software programs, make sure that you understand the reasons you desire it. For instance, not all software lets you stay up-to-date on your investments, so if this is something you yearn for, be certain that you are obtaining one that has this element. You could also favor a web based service, as opposed to software that you download. The benefit to this is that you can have access to the program anywhere you are and you don?t require your computer. Online services can additionally provide you with immediate information. These are some of the dynamics to remember when picking out personal finance software programs.

One good personal finance program that?s not as widely used as some of the others is Moneydance. The navigation is simple to figure out with this program, which is always an advantage. You can easily add or delete accounts, and you have a neat summary of all your information in one place. Some of the tasks it can help you with include online bill paying and advising you about making important financial matters. There?s also a generous free trial period for Moneydance that gives you 100 transactions. So you don?t have to pay for it until you?ve used it for a while.

MoneyStrands is a free online personal finance software that helps you keep track of your budget and gives you helpful money management tips. This program makes it simple to observe each of your financial accounts, such as checking and credit cards to provide you with an overall picture of your financial position. Also, it has a free iPhone app which permits you to access all your data from your phone. As well as the financial tools, MoneyStrands is akin to a social network, as it gives you confidence to correspond with other members and exchange information and suggestions. Plus, the service makes suggestions that are consistent with your way of living and your financial condition.

Now that there are so many programs available it shouldn?t be any trouble finding the right one for you. You have the choice of online or on disk. You even have some free options. The information above can help point you in the direction of the perfect personal finance solution to meet your needs.

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Source: http://www.ianslive.com/what-to-look-for-in-personal-finance-software/

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Source: http://mentaltraining.onyourweb.net/categories/139-business-investing/12780-launch-pad-forex-system-business-investing.html

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Issa: 'Fast and furious' subpoenas issued soon (AP)

WASHINGTON ? A key House investigator says he could send subpoenas to the Obama administration as soon as this week over weapons lost amid the Mexican drug war.

House oversight committee chairman Darrell Issa suggested on "Fox News Sunday" that Attorney General Eric Holder knew about the gun trafficking operation known as "Fast and Furious" earlier than he has acknowledged. Subpoenas could go out as soon as this week, Issa said.

The Bureau of Alcohol, Tobacco, Firearms and Explosives in 2009 allowed intermediaries for drug cartels to buy thousands of weapons from Arizona gun shops and lost track of about 1,400 of the 2,000 of those guns. Some of those weapons have been recovered at crime scenes in Mexico.

Source: http://us.rd.yahoo.com/dailynews/rss/uscongress/*http%3A//news.yahoo.com/s/ap/20111009/ap_on_go_co/us_fast_and_furious_issa

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AP Source: Henne out for season with injury (AP)

MIAMI ? The winless Miami Dolphins have lost their quarterback.

Chad Henne decided to have season-ending shoulder surgery and was to be placed on the injured reserve list, a person familiar with the quarterback's status said Thursday. The person confirmed the situation to The Associated Press on condition of anonymity because the Dolphins hadn't commented.

Henne separated his left shoulder in the first quarter of Sunday's loss at San Diego. He was replaced by Matt Moore, who is expected to make his first start for the Dolphins in their next game Oct. 17 against the New York Jets.

Henne lost his past seven starts for the Dolphins, who are 0-4 with a bye this week. Immediately after the game, he expressed optimism he would quickly be back in the lineup, but the injury turned out to be more serious than he anticipated.

The Dolphins have been shopping for another quarterback to provide depth. Moore took all of the snaps with the first team in practice Tuesday and Wednesday, and the only other healthy QB with the team was rookie Pat Devlin, a member of the practice squad.

Moore will become the 16th quarterback to start for Miami since Dan Marino retired following the 1999 season. Moore's a fourth-year pro with 23 career starts, all with Carolina, and last year he went 1-4 as a starter before a right shoulder injury ended his season.

The Dolphins courted Denver's Kyle Orton this summer before deciding to stay with Henne, who has been much maligned since becoming Miami's starter in 2009.

Henne was jeered by fans during training camp but showed some improvement this season, looking more decisive and winning praise for his leadership. Even so, he ranks 24th in the NFL in passing efficiency, and Miami scored only one touchdown each of the past three games.

Source: http://us.rd.yahoo.com/dailynews/rss/sports/*http%3A//news.yahoo.com/s/ap/20111006/ap_on_sp_fo_ne/fbn_dolphins_henne_injury

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Source: http://kaburorne.net/international-shipping-services-make-the-right-choice-2/

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Study: Worst hospitals treat larger share of poor

CHICAGO (AP) ? The nation's worst hospitals treat twice the proportion of elderly black patients and poor patients than the best hospitals, and their patients are more likely to die of heart attacks and pneumonia, new research shows.

Now, these hospitals, mostly in the South, may be at higher risk of financial failure, too. That's because the nation's new health care law punishes bad care by withholding some money, says the lead author of the study published Wednesday in the journal Health Affairs.

"These hospitals are going to have a much harder time in the new funding environment," said Dr. Ashish Jha of the Harvard School of Public Health, who led the study. "I worry they're going to get worse over time and possibly even fail. I worry that we're going to see a bunch of that happening over the next three to five years."

Under the Affordable Care Act, hospitals that fail to improve will see their Medicare payments shrink by 1 percent starting October 2012. That could jeopardize some hospitals already on the brink of closure, Jha said.

That unintended consequence of the health overhaul could increase health disparities for minorities, Jha said.

"We have to make sure we pay attention to what the results of those policies are and be ready to change directions if they're causing harm in the marketplace," Jha said.

The study doesn't name the 178 hospitals the researchers rated as "worst" because of their low quality of care and high costs. A data use agreement with Medicare prevented the researchers from identifying the hospitals publicly.

The study, funded by the Commonwealth Fund, found 122 "best" hospitals with high quality and low costs. Those best hospitals were more likely to be in the Northeast, to be nonprofit and to have cardiac intensive care units compared to the worst hospitals.

Elderly blacks made up 15 percent of patients in the worst hospitals and about 7 percent in the best hospitals. There were similar differences for people on Medicaid, the state-federal health program for the poor. Worst-hospital patients with heart attacks or pneumonia were more likely to die than similar patients at the best hospitals.

Medicare chief Don Berwick called the study "valuable, but not completely new." He said the federal government is working to help all hospitals improve.

"We know they can improve," even if they treat sicker or disadvantaged patients, Berwick said. "There are examples of safety net hospitals that are some of the best in the country." He cited Denver Health, which has low death rates despite treating a large share of poor patients.

The health law's so-called "value-based purchasing" rewards hospitals for their rate of improvement, not just for attaining goals, Berwick said. So hospitals that start farther behind can get rewarded for making efforts to catch up. And the law provides money for hospital improvement programs.

"If I were talking to safety net hospitals, I would say, 'I know it's hard. Here's some help, and if you start (improving), you'll get rewarded for starting,'" Berwick said.

For the study, the researchers used data from six sources to determine which hospitals were worst and best. They divided the hospitals into four ranked groups for quality of care and divided them again into four ranked groups for cost.

Of 3,229 hospitals analyzed, 122 were in the top group for quality and also in the group that had the lowest costs. The researchers compared those hospitals to the 178 that were in the bottom group for quality and had the highest costs.

"What can we do to take the lessons from the high-performing institutions and help the low performers improve?" Jha asked. In markets outside of health care, business closures don't so directly affect people's survival, he said, but "here, there are tens of thousands of lives at stake."

With the health law's expansion of insurance in 2014, patients may have more choice in hospitals. But most patients don't use tools like Hospital Compare to find the best ones nearby, Jha said. Hospital Compare is a government website that rates how hospitals measure up to certain standards, such as giving heart attack patients aspirin.

"People go to hospitals because they've always gone there or their families have always gone there or their doctors have always referred them there," Jha said.

Nancy Foster of the American Hospital Association said the group is worried about whether the new funding formula will put safety net hospitals at financial risk, but believes all hospitals can improve.

"There's no hospital in the country right now that doesn't want to do the best for the patients it serves," Foster said. "That's where research comes in and sharing of good results on how to improve."

___

Online:

Hospital Compare: http://bit.ly/ac26AR

Health Affairs: http://www.healthaffairs.org

___

AP Medical Writer Carla K. Johnson can be reached at http://www.twitter.com/CarlaKJohnson

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/bbd825583c8542898e6fa7d440b9febc/Article_2011-10-05-Worst%20Hospitals/id-6fd0e4d8d406489da778fa0cf535fbcc

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Obama fundraiser pushed Solyndra loan

Solyndra CEO Brian Harrison invokes his Fifth Amendment right as he appears before the the House Oversight and Investigations subcommittee on Capitol Hill in Washington, Friday, Sept. 23 2011, which is examining Solyndra's government loan. (AP Photo/J. Scott Applewhite)

Solyndra CEO Brian Harrison invokes his Fifth Amendment right as he appears before the the House Oversight and Investigations subcommittee on Capitol Hill in Washington, Friday, Sept. 23 2011, which is examining Solyndra's government loan. (AP Photo/J. Scott Applewhite)

WASHINGTON (AP) ? An Energy Department adviser and former fundraiser for President Barack Obama pushed for a California solar company to receive a half-billion federal loan, despite pledging to recuse himself because his wife's law firm represented the company, newly released emails show.

The emails show that Steve Spinner, a former Obama fundraiser who helped monitor a clean energy loan guarantee program, was more actively involved in a loan for Solyndra LLC than administration officials have acknowledged.

The emails, released by the administration in response to congressional investigators, show that Spinner was actively involved in a planned September 2009 trip by Vice President Joe Biden to Solyndra's Fremont, Calif., headquarters for a groundbreaking ceremony. Biden did not go on the trip but spoke via satellite. Solyndra declared bankruptcy last month after receiving a $528 million federal loan.

In the emails, Spinner, who founded a sports fitness company, repeatedly pushed Energy Department and White House budget officials to ensure that the loan was finalized before Biden's planned trip. The loan closing was announced at the groundbreaking ceremony on Sept. 4, 2009.

"How -- hard is this? What is he waiting for?" Spinner wrote in an Aug, 28, 2009 email to a DOE official. "I have the OVP (Office of the Vice President) and WH (the White House) breathing down my neck on this. They are getting itchy to get involved."

Later that day, Spinner asked the same DOE official to "walk over there and force him to give you the answer.'

The emails refer to a DOE loan guarantee official who was evaluating the Solyndra loan.

A White House official declined to comment when asked if Spinner's conduct was appropriate.

The Obama administration allowed The Associated Press and other news organizations to read the emails on Friday as it prepared to send them to investigators for the House Energy and Commerce Committee. The panel has been looking into the Solyndra and more broadly at the $38 billion loan guarantee program.

Spinner, who served as an adviser to Energy Secretary Steven Chu from April 2009 to September 2010, pledged in writing not to have "active participation" in any solicitation, due diligence or negotiation related to the Solyndra loan, which has become an embarrassment for the White House and a rallying cry for GOP critics of Obama's clean energy program.

Spinner's wife, Allison Berry Spinner, is a partner at Wilson Sonsini Goodrich & Rosati, a firm in Palo Alto, Calif., that represented Solyndra on the DOE loan. Federal records show the firm received at least $2.4 million in legal fees related to the loan.

In one email, Spinner asks a DOE official whether the White House budget office has completed its review of the Solyndra loan.

"Any word on OMB? Solyndra's getting nervous," he wrote, four minutes after receiving an email form Solyndra.

Energy Department spokesman Damien LaVera said Spinner acted as a liaison for the loan program under the economic stimulus law, but that he played no role in evaluating individual loan applications.

"Because his wife agreed not to participate in or receive any financial compensation from her law firm's work on behalf of any loan program applicant, Mr. Spinner was authorized to oversee and monitor the progress of applications, ensure that the program met its deadlines and milestones, and coordinate possible public announcements," LaVera said in an email Friday.

Spinner "was not allowed to make decisions on the terms or conditions of any particular loan guarantee or decide whether a particular transaction was approved," LaVera said, adding that the arrangement was approved by the Energy Department's ethics officer.

Spinner now is a senior fellow at the Center for American Progress, a liberal think tank closely identified with the Obama administration, where he focuses on energy policy.

A biography on the CAP website says Spinner "helped oversee the more than $100 billion of loan guarantee and direct lending authority for the Title XVII Loan Guarantee Program and the Advanced Technology Vehicles Manufacturing loan program."

An administration official, speaking on condition that he not be identified because of the congressional investigation, said Friday that Spinner "clearly was actively involved in facilitating between DOE and OMB," the White House budget office, but said his main focus was the planned Biden trip for the Solyndra groundbreaking.

Administration officials cited an August 2009 email from Aditya Kumar, an aide to former White House chief of staff Rahm Emanuel, now Chicago mayor. Kumar asks Spinner who are Solyndra's major investors and receives a detailed answer.

The White House "doesn't even know the names of the (Solyndra) investors," said the official, refuting oft-repeated claims by some GOP lawmakers that the Solyndra deal was approved to benefit Oklahoma billionaire George Kaiser, a Solyndra investor and Obama fundraiser.

_____

Follow Matthew Daly's energy coverage on Twitter at http://twitter.com/MatthewDalyWDC

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2011-10-07-Solar%20Manufacturer%20Investigation/id-294861a08d794e0aba33378293c82f06

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Czech quartet scoops top classical award (Reuters)

LONDON (Reuters) ? The Pavel Haas Quartet won "recording of the year" at an awards ceremony held by Britain's Gramophone magazine on Thursday for a CD of Dvorak quartets the group said was inspired by the spirit of the Czech composer.

British mezzo soprano Dame Janet Baker got a lifetime achievement award.

"This is the biggest award you can get in classical music," an overjoyed Peter Jarusek, the quartet's cellist, said. "It is a big surprise."

He added that the quartet's performances of Dvorak's Quartets No. 12 ("American") and No. 13 in the Dvorak Hall of Prague's Rudolfinium concert venue had given the recordings for the Czech Supraphon label a special quality.

"It was really inspiring," he told Reuters. "You could imagine that Dvorak was there. When we recorded these pieces, he was there as well."

Dame Janet, 78 and retired from the opera stage since 1989, said she was thrilled to receive the recognition for a career in opera that made her one of the best known singers on the opera stage, and is preserved in still popular recordings of works like Elgar's "Dream of Gerontius" oratorio or her performances of Britten, Berlioz and Mahler.

People are still listening to her recordings, she said, "makes you feel as though you are still part of the profession...the memory of you is still in people's minds."

"It is a strange thing, but because they can still hear recordings of you, they think you are still doing it -- so they can make a connection," she said.

She added that she would only recommend a career in music to people who are so sure of themselves that "they don't need encouragement" and she said, of her northern England Yorkshire roots, that "I think they've kept me sane."

The awards ceremony, akin to a classical-music-only version of the recording industry's Grammy awards, drew hundreds of musicians, composers and people involved or interested in the music world to a midtown London hotel for a three-hour lunch that included brief excerpts of many of the award-winning recordings and DVDs.

The magazine's Artist of the Year award went to Venezuelan conductor Gustavo Dudamel, who sent in a video clip from Los Angeles to express his appreciation, but one of those who turned up, and played, was 28-year-old Montenegrin guitarist Milos Karadaglic, whose recording of classical guitar standards has been top of the specialist classical chart for months.

"It's amazing," Karadaglic said. "When I fell in love with the guitar I wanted to share this passion with lots of people. And I thought to do that first in Montenegro and then I came to London and then when I came to London I saw this big world and I said I want to belong to this big world, with my guitar.

"So the fact that this is my first CD and my guitar has managed to reach so many people makes my dream come true."

Gramophone editor James Jolly, who served as host of the ceremony along with British soprano Susan Bullock, said that 200 new CD releases a month gave the lie to the suggestion that the classical music world is dying out.

"The ever-expanding range of music on offer...means there are always new boundaries to explore and we can safely say that we have never had it so good," Jolly said.

Other winning recordings were as follows:

Editor's Choice: Rossini "Stabat Mater" with Anna Netrebko and Joyce DiDonato, with the Santa Cecilia Chorus and Orchestra, Antonio Pappano conducting (EMI)

Baroque Instrumental: CPE Bach Harpsichord Concertos, Andreas Staier, Freiburg Baroque Orchestra, Mullejans (Harmonia Mundi)

Baroque Vocal: Handel "Apollo e Dafne," La Risonanza (Glossa)

Choral: Elgar "The Kingdom," Halle Orchestra, Sir Mark Elder (Halle)

Concerto: Debussy, Ravel, Massenet, Jean-Efflam Bavouzet, BBC Symphony Orchestra, Tortellier (Chandos)

Contemporary: Harrison Birtwistle "Night's Black Bird," Halle Orchestra, Ryan Wigglesworth (NMC)

DVD Documentary: "Carlos Kleiber: Traces to Nowhere," Eric Schultz (Arthaus)

DVD Performance: Verdi "Don Carlo," Villazon, Poplovskaya, Keenlyside, Pappano (EMI)

Early Music: Striggio Mass in 40 Parts, I Fagiolini, Robert Hollingworthy (Decca)

Historic: Mahler/Cooke: Symphony No. 10, Philharmonia, LSO, Berthold Goldschmidt (Testament)

Instrumental: Brahms Handel Variations, Murray Perahia (Sony Classical)

Opera: Rossini "Ermione" Geoffrey Mitchell Choir, London Philharmonic Orchestra, David Parry (Opera Rara)

Orchestral: Shostakovich: Symphony No. 10, RLPO, Vassily Petrenko (Naxos)

Recital: Verismo Arias, Jonas Kaufmann, Santa Cecilia, Pappano (Decca)

Solo Vocal: Britten Songs "Songs and Proverbs of William Blake," Gerald Finley, Julius Drake (Hyperion)

Other awards were given to Wigmore Hall for its live recording label, Sir John Eliot Gardiner for his recording of Bach cantatas and The Cobweb Orchestra as an outreach ensemble dedicated to getting people to dust off their instruments and start playing again.

(Writing by Michael Roddy, editing by Paul Casciato)

Source: http://us.rd.yahoo.com/dailynews/rss/music/*http%3A//news.yahoo.com/s/nm/20111006/music_nm/us_music_gramophone

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The Villager Newspaper - Focus on business - Coming in for Saigon ...

The chicken curry stew features sweet potatoes, butternut squash, broccoli, carrots, potatoes and onions in a yellow curry with a touch of coconut milk and chili.

Lightening strikes, but tasty food survives

By Peter Jones

Michelle and Victor Chan have survived the trenches of the Vietnam restaurant wars, despite a lightening strike fire last year that closed Greenwood Village?s Saigon Landing for six months. Photos by Peter Jones

The owners of Saigon Landing hope lightning won?t strike twice for the Vietnamese restaurant.

Except perhaps as a metaphor for new opportunity.

In August of last year, the Greenwood Village eatery was hit, quite literally, by a bolt of electrostatic discharge ? a spark of bad luck that closed the restaurant for more than six months.

Although the business reopened earlier this year, co-owner Michelle Chan says momentum is crucial in the restaurant industry, and it has been difficult to put Saigon Landing?s lightening back into the bottle.

?It?s been hard with the economy,? she said. ?Lunch has been good, but dinner has been slow. People don?t know we?re here so we want to get the word out. They think we closed forever.?

For the record, Greenwood Village?s Saigon Landing is once again serving its range of authentic Vietnamese cuisine.

The menu includes southeastern Asian favorites, from noodle bowls, clay pots and chicken curry stew to Vietnamese marinated steak and a selection of succulent seafood and vegetarian choices.

?I grew up with my mom cooking a lot, so I learned from her,? said Chan, who is also the restaurant?s lead chef. ?Everything is fresh. I make the same things for my own family.?

Chan plays up the French influence that has literally spiced up Vietnamese cuisine since the 19th century when the European nation led military conquests into ?French Indochina.?

But the chef is not above tinkering with an ethnic fare that has seen centuries of extra-continental adjustments.

?I like to play with it and make it better,? she said. ?Other people put a lot of chili in the curry. I don?t do it like that. I experiment all the time. I like to add more color.?

Saigon Landing?s home-style favorites are prepared with an artful eye to please the eyes as well as the taste buds. Her pineapple duck has all the artful imagery that the name might conjure. Even the grilled lamb chops are served with colorful flair.

Michelle Chan and her husband Victor bring decades and a continent of experience to the restaurant business. Michelle?s Chinese family emigrated from South Vietnam to the United States when she was 12 years old. Her parents had fled Communist China to pursue business opportunities years earlier.

Victor came from Hong Kong to America, where he eventually partnered in a series of successful Chinese restaurants, including The Empress in southwest Denver.

When the couple married in 1988, Michelle was working as an underwriter for a mortgage company, but was looking for a way to explore her lifelong amateur passion in the kitchen.

?I didn?t have the chef experience, but I loved to cook at home,? she said.?

The couple soon began opening restaurants together ? including downtown Denver?s China Terrace and the first Saigon Landing in Evergreen in 2005.

Although the Chans intended to emphasize the cuisine from Michelle?s side of the family at the aptly named Saigon Landing, the couple soon found themselves ever so slightly expanding into other culinary regions of the Asian continent.

?People kept asking, ?Do you have phad thai?? So I started serving phad thai,? the chef said. ?Then they said, ?Do you have sesame chicken?? So we?ve added a few things here and there.?

Customers from south Denver were also asking for a closer location than Evergreen. By popular request, in 2009 Saigon came in for a landing off Arapahoe Road in Greenwood Village.

The couple still owns the original Saigon Landing in Evergreen and The Empress, an authentic favorite among southwest Denver?s Chinese American community.

After enduring a lightening strike and other challenges, the Chans say responding to customers is the key to survival.

?The customer is always right,? Michelle Chan said. ?If someone says it?s too spicy, it?s too spicy. I?ll take it back an redo it again until they say they love it.?

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Source: http://villagerpublishing.com/2011/news/focus-on-business-coming-in-for-saigon-landing/

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