Best personal finance software for Mac for German resident
I haven't used it in years, but look at GnuCash. From the site, one bullet point under Feature Highlights:
"PC for sure.  Every class you will have will be taught with PC and windows.  Excel keying isn't apples to apples between the two.  Macs are nonexistent in the ""real world"" of finance.  Get a PC.  Cheaper and better for this purpose." I forgot to share with you the latest news [62-Year-Old German Woman Fined over 1,000 Euros for Sharing Anti-Migrant Joke Online](http://www.breitbart.com/london/2017/06/04/62-year-old-german-woman-fined-1000-euros-sharing-anti-migrant-joke-online/)  &gt; A 62-year-old German woman has been fined 1,350 euros by the government after she shared and liked an anti-migrant joke picture on her Facebook page. The 62-year-old Berlin resident Jutta B. from Lichtenberg was arrested and had her home raided by police after she shared a picture on Facebook entitled, “Do you have anything against refugees?” For sharing the picture, which included disparaging comments about migrants, the woman was sentenced to a 1,350 euro fine, German newspaper Berliner Morgenpost reports.  **Germans are so happy and free in their own safe and tolerant country!** Tired of the sleepless nights financial burdens bring? We understand the stresses of living pay day to pay day and then still not making it!  Not to worry - we are here to assist with turning your nightmares into dreams!!  Need a loan thats fast and easy - without all the stress of running around? Well we are here to do just that!!!  We offer the following products:   * Personal Loans Up To R120 000.00 * Credit Cards * Vehicle Finance * Consolidation Loans * Home Loans * Building Finance * Holiday Loans  Requirements:  * Reside in CPT * ID * 3 Months Bankstatements * Latest Payslip  Contact Leizl NOW 021 712 6925 If you are trying to invest in closely held / private companies (things that don't trade on the stock market), you will run into a variety of regulatory problems. For various reasons, most private companies only raise funds with accredited investors. To be an accredited investor you basically have to have $1,000,000 in net worth - NOT including your primary residence, OR you have to make over $200,000 a year for the last two years and expect to keep making that much. This is a class distinction the Federal government created, you will see different but similar wealth and investment classes worldwide. So your best most organized opportunities are left out, unless you do qualify as an accredited investor. There are tons of other companies, things you will find locally, that will let you invest in their smaller time operations. (Think like a local yoga studio looking for $20,000 and willing to split the profits with you). But the problem here is lack of accountability, where partners skip town or just stop answering your calls, and the legal remedies cost you more than your claim. That being said there are people that provide capital to smaller publicly traded companies on the bulletin boards and pink sheets. They have opportunities do much better than the actual stock market investors in these companies, because you can negotiate contracts that let you cash out in their inevitable financing death spirals with very little risk to you. You can do these things as an individual or as a holding company, but the holding company will limit your liability to the amount your holding company invested, instead of your personal assets, in case your financing starts to incur liability with the company. No you won't. Germany taxes income, not bank accounts. Note that this changes immediately when your bank account makes interest - you will owe taxes on this interest. However, chances are you won't get a bank account. Without residency or income, typically the banks wouldn't give you an account. Feel free to try, though. "I've tried Mint, and I've tried Quicken. Now, I think Quicken is an annoying, crashy little piece of software, but it is also quite capable; overall I think it has the features you want. You can enter your bills, broken down by category, in advance. You can enter your paychecks, broken down by category (gross income, federal income tax, state income tax, social security, SDI, transfers to tax-protected 401(k) account, etc) in advance. You can enter in your stock trades and it can tell you how much you'll need to end up paying in capital gains taxes. You can even enter in your stock option vesting schedule in advance (it's a royal pain because you can't go back and change anything without deleting everything, but you can do it). It'll forecast your bank account balance in all of your bank accounts in advance with a shiny chart. It'll even model your loans, if you set it up right. I didn't do too much with the ""budgeting"" tools per se, but the account-balances-daily features sound like the closest thing to what you're looking for that's likely to exist. The only thing that's a trifle tricky is that transfers from one account to another may take multiple days (hello, ACH) and you'll have to decide whether to record them at departure or arrival." "Unfortunately I don't think any of the online personal finance applications will do what you're asking. Most (if not all) online person finance software uses a combination of partnerships with the banks themselves and ""screen scraping"" to import your data. This simplifies things for the user but is typically limited to whenever the service was activated. Online personal finance software is still relatively young and doesn't offer the depth available in a desktop application (yet). If you are unwilling to part with historical data you spent years accumulating you are better off with a desktop application. Online Personal Finance Software Pros Cons Desktop Personal Finance Software Pros Cons In my humble opinion the personal finance software industry really needs a hybrid approach. A desktop application that is synchronized with a website. Offering the stability and tools of a desktop application with the availability of a web application." 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).