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Post Info TOPIC: Mint.com


RV-Dreams Family Member

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Mint.com


Hey..just downloaded this app, and linked some accounts...now I'm worried!  Has anyone used this?



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Ellen


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I've used Mint for about a year or so and love it.  It's from Intuit, which also sells Quicken, so I think thats a reliable company.  

As we get ready to hit the road by mid-summer, I'm trying to go paperless, and Mint is a good way to stay organized.  



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RV-Dreams Family Member

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I haven't used it personally, but I know people who have for a period of time between 6 months and a year and they are very content with it.

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I've used it and know several people who do...one is a senior IT guy, so feel okay about it. He's a big fan of the site, I like it okay!

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A financial advisor told me he switched to mint for all his personal and business accounts. We're working on it.


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Carol

Carol Kerr Welch

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Realtor specializing in RV and 55+ Communities in the Rio Grande Valley

 

 



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Absolutely love the concept and idea of using Mint and pulling all our accounts into one place etc. However, due to any future security breach is what has us abstaining from it. FWIW: In case those using it already and you are not aware, you might want to check your banks terms of service and how using this third party aggregator might affect you in the instance there were a breach of security in the future.

MoneySense magazine, contacted the big five banks in Canada and asked about this issue and they confirmed that “You are responsible for any losses from any use by a third party that provides an online account aggregation service.”

Appreciate that Inuit and their security are behind this but ........... Just trying to highlight in case any users or planned users aren't aware of this, to look a little deeper into how they might be affected "should" a security breach occur.

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Breathtaking Alberta. Her Mountains Draw You But Her People Bring You Back


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Someday wrote:

Absolutely love the concept and idea of using Mint and pulling all our accounts into one place etc. However, due to any future security breach is what has us abstaining from it. FWIW: In case those using it already and you are not aware, you might want to check your banks terms of service and how using this third party aggregator might affect you in the instance there were a breach of security in the future.

MoneySense magazine, contacted the big five banks in Canada and asked about this issue and they confirmed that “You are responsible for any losses from any use by a third party that provides an online account aggregation service.”

Appreciate that Inuit and their security are behind this but ........... Just trying to highlight in case any users or planned users aren't aware of this, to look a little deeper into how they might be affected "should" a security breach occur.


 Emphasis added above... If the same is true in the USA, the banks have found a way, with regulatory aquiescence to basically not protect your savings by encouraging consumers to get enrolled in such programs. Everything will be fine until the floor drops out then you will be on your own. 

For no other reason, I'd stay away from any portion of such service that allows access directly to your accounts until such current regulation covers losses from online attacks no matter how reputable the provider is.

You can use these programs and apps without allowing access to your accounts. I know the EveryDollar App works this way, but they do have an option to manage your banking and bill paying throught them also... for a fee, but you could still be liable for losses if the banking community lobbyists are sucessful in creating a framework to get them off the hook if something goes wrong.

I'll stick with a simple spreadsheet and do my own data entry and bill paying separately from online banking rather than let them do it for me.  I doubt the so-called convenience amounts to any significant time or money savings.

FWIW, Brian



-- Edited by BiggarView on Sunday 10th of January 2016 05:26:50 PM

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I looked at their web site and don't see what the advantage is over using Quicken. For a lot of people who 'live' on their phones, maybe it makes sense. But then, I don't have Quicken go retrieve account information for the reason above - if I need to get info from a financial source, I'm logging in, etc., and then entering the data.

Barb


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It is safe for sure so no security concerns. However, it is not very intelligent in terms of deciding what expense goes in what category. Even though I am a tech buff I still prefer a good old spreadsheet to manage my finances.

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One month follow up

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Ellen


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have been using it for a month, I am only paying bills via my bank, but I really like how I can see at a glance where all the money is going by category...and proud to say I stayed within my budget ! The color coded pie chart is great, and I really love the note section, so when I put something under a "category" like "shopping" I can drill down to the nitty gritty "pans at Quartzite RV show!"...also, we like to use the AMEX for most of the spending ( to get the hotel points) and It lets me click on that account to see current charges....basically, I'm hooked!

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Ellen
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