Should I use Mint.com?  Is it secure / trusted? [duplicate]
Yes, there is such possibility. Also, there's a possibility people made your computer, your operation system, your browser, etc. put there some code there that would intercept your communications and steal your money. So could bank clerks (and unlike all other examples, this really happened in real world, numerous times, though usually at smaller banks), ATM makers, etc.  In the modern world, you rely on things made by thousands of people, this is a part of modern world's conveniences. You don't have to use it - you can store all your money in a big jar in your basement and nobody but occasional thief breaking in could take it.  However, fraudulent unauthorized transactions in most banks can be rolled back, and any transaction is reported to you. So fraud from mint.com people would be quite low on my list of risks. Much bigger risk is that somebody could break into mint.com servers and steal information about your accounts from there or install some malicious code. I believe they have good protections, but no security system is perfect. You need to evaluate how the convenience of using mint.com compares to your personal feeling about this risk. If you feel you couldn't sleep at night knowing somewhere out there there is information about your money - don't use it. I don't worry about it too much as I know the chance of it happening is low and the chance of getting the money back if it happens is high, but if you feel differently - don't do it. So could someone working at your bank directly.  Of at your HR department at work.  Most of the wait staff at the restaurant I ate at technically had access to my credit card and could steal money.  While you are at work, someone could break into your house and steal your stuff too. The point is, Mint and everything else is a matter of the evaluating the risk.  Since you already understand the vulnerability (they have your accounts) and you know the risk (they could steal your money) what are the chances it happens? 1.)  Mint will make lots more money if it doesn't happen, so it benefits Intuit to pay their employees well and put in safeguards to prevent theft.  Mint.com is on your side even if a specific employee isn't. 2.)  You have statements and such, so you can independently evaluate mint.  I do not just trust mint with my stuff, I check info in Quicken and at the bank sites themselves.  I don't do them all equally, but I will catch problems. 3.)  Laws mean that if theft happens, you will have the opportunity to be made whole. If you are worried about theft, don't trust other people or generally get a bad feeling, don't do it.  If you check your accounts online with the same computer you log into Facebook with, them I would suggest it doesn't bother you.  You might have legal or business reasons to be more adverse to risk then me. However, just because somebody could steal your money, I personally don't consider it an acceptable risk compared to the reward. I will also be one of the first people to be robbed, I am not unrealistic.
I use MoneyStrands (formerly called Expensr), but mostly just to track expenses and look at reports on my spending habits. It has some really pretty charts, with the ability to drill down into categories and sub-categories, or graph monthly spending for any custom date range. It does a half-decent job of auto-categorizing the imported bank transactions, and you can set up additional rules for common vendors, but I still have to do some manual work after each import. It does a good job of integrating my credit cards, bank accounts, and I can even manually add cash transactions. It has some basic budgeting capabilities, but they're not very useful for someone who needs to carefully budget thier monthly spending. Another one I've heard about is mint.com, but it only supports American banks (last I heard, anyway). Discipline. If you have to have a hard limit on your account that prevents you from spending - credit cards are not for you. If you can discipline yourself not to make purchases in excess of your budget even if the plastic technically allows it - then you can go on using the credit card. Make sure to stay on top of your spendings by frequently checking your current activity on the card (on line, don't wait for statements), and making sure you're below the limit you have set for your budget. Mint.com visualizes your spendings and shows where you are with regards to your preset budgets on various types of spendings, you should consider using it as an aid. "If you deposit the money in your account, it will count against the gift tax exclusion for you, not your daughter. As such, you should open a bank account for your daughter.  Assuming she already has a social security number, this will not be complicated.  Otherwise, apply for one, as mhoran notes before the end of the year. The kind of account you should open depends on the purpose of the money, but likely it should be opened as a Uniform Gift to Minors Act, or Uniform Transfer to Minors Act, account.  This means it is your daughter's account (not yours), but you designate one or more custodians who are the ones who can actually make withdrawals.  Any money in this account must be spent in your daughter's interest, but it's not required to be spent with her approval (even as an older child) nor on a specific thing (it's not just college money, like a 529 account is). Before you do so, you should consider how to set up custodianship.  Some parents simply make themselves custodians; some ask another relative to be custodian or joint custodian, or even someone like a godparent or close trusted friend.  Having a joint custodian is helpful if you feel like it may be challenging to not dip into the account if you had financial difficulties (as both custodians must sign off on withdrawals). Finally, you should consider whether you want this to be a simple bank account, or whether you might want to consider something like Vanguard or Fidelity investment account.  If it's likely to contain over $10,000 or whatever the reduced/no fee limit is at the investment firm you choose, it may well be worth your while to do this as you can earn significant returns fairly safely, assuming the money is intended for longer term use (for college or other later-in-life uses). Note that for tax purposes, this gift will count for 2016 taxes regardless of when you actually set up the account, as you have ""constructively received"" the gift when the check was given to you.  So there's no rush to work this out before the end of the year; you can still deposit it next year.  However, your daughter needs a SSN to be able to be claimed as a dependent on your taxes, so that at least needs doing before the end of the year." A desktop application that has the same features (although as already stated, nothing will be identical but if you are looking for functionality then certainly there will be) and pretty simple to use was Microsoft Money, however, Microsoft stopped supporting it with newer versions and while the existing versions will work, I still use mine, there will be no future updates. I like the interface, its simple to use and has all the features you want. They abandoned it in favor of Intuit's Quicken but personally I am not a fan of the Quicken interface. They still had a more extensive and probably too much for the average user application called Office Accounting, but they abandoned future updates and supports on that in favor of Intuit's Quickbooks. Again, I am not a fan of the interface but they are very feature rich including invoicing and payroll, again overkill for the average user. They still have the Small Business Accounting in the form of Microsoft Dynamics, but that is utterly overkill for personal use. I generally don't trust online or cloud based accounting solutions like Mint or even Quicken online because I don't trust my information security to some third party without knowing how they are securing it and what will happen to me if/when they are leaked due to breach. So I like to keep everything local to myself and that's a good move for you, you should do that. It seems at the moment the market standard without much competition is Quicken for personal use and Quickbooks for small business. I would recommend you start with Quicken and if your needs increase in the future, you can easily transfer into Quickbooks to scale up as they are fully compatible with each other. Check it out here and compare their products to see what works best for your needs. Worked for a SaaS based company that married data sources to existing IP and analog video feeds.  E.g. for an ATM you'd match transactions against the PinHole And/or overhead cameras and run analytics over that data.    Edit for clarity. You either MITM it if it's insecure for 'live' data or you parse it centrally and pull data in batches each night. "It's a risky ""investment"" given how capricious the government can be, and like another poster said... if you don't understand it and can't explain proof of work, cryptographic hashes, and how and why there's a limit to total BTC ever, as well as changing difficulty to PoW, and what implications that those things *might* have..." I use QuickBooks online... It's really the best out there for the price, just make sure to never upgrade to an edition you aren't 100% sure you need or you're forever stuck essentially. That's the mess I'm in right now. Paying $20 more than necessary a month, but it's still cheaper than switching to, say, xero. The starter edition of QuickBooks online is a lot more powerful than the equivalent plans anywhere else for the price. Coinstar lets you take 100% of your money in Amazon gift certificates.  Good as money in my mind :)