Offer your thoughts or opinion on the input financial query or topic using your financial background.

Is there any online personal finance software without online banking? 
Out Of The Dark OOTD is a budgeting and personal money management web app that does not require you to give out access to your bank accounts or even your personal identity.  It's a great tool for people with no financial experience with features like Cash Put-Aside and the Credit Card Debt Terminator and it has tons of instant guides explaining how to use every feature.  You can check it out at myootd.org.