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The 404 Podcast 474: Where we love Katie Couric almost as much as we love Jill Schlesinger

The holiday season is upon us and we know most of you are struggling to "find the money" to buy gifts for your friends and family, so we make the long trip across the hallway and invite Jill Schlesinger on the show to help us keep our heads above water. Jill is editor at large for CBS MoneyWatch.com and has plenty of experience with financial planning, so listen up!

As you might already know from past episodes featuring The Financial Decoder, Jill isn't the biggest fan of credit card companies, or "legalized drug dealers," as she calls them, but this time she has her scope pointed at the dangers of using a debit card.

Despite proposed laws that would outlaw overdraft fees, Jill suspects we haven't seen the end of hidden fees and actually recommends budgeting this season with presents that won't leave you with an empty bank account. Your dear old mom doesn't really need that Tiffany's necklace or box of Godiva chocolates! Leave that stuff for Mother's Day, and just go out and have fun together--it's free, and it won't drain your bank account.

Jill also drops knowledge on us (in a Bulgarian accent, no less) about how to develop optimistic (and realistic) financial goals for the year instead of frantically scrambling to plan around the holidays. With Valentine's Day coming up, it's too bad Jeff isn't here! Jill tells us the best way to stop the cycle of "hedonic spending" is to play a game she calls "Find the Money."

Have fun and play games while balancing your spending and saving money at the same time?! Be sure to listen to this episode of The 404 Podcast to get the whole story!

EPISODE 474 Subscribe in iTunes audio | Suscribe to iTunes (video) | Subscribe in RSS Audio | Subscribe in RSS VideoRead more

iPhone app rounds up free Redbox rental codes

Good news for fans of Redbox movie-rental kiosks: the new Redbox app (free) lets you browse and reserve movies and find the kiosk nearest you. Cool.

Better news for Redbox fans: the new Red Box Free Rental Promo Codes app (from third-party developer Neese) means you may never have to pay for another movie.

The app aggregates codes from around the Internet and various promo mailings, updating them every 12 hours so you're sure to have the latest and greatest.

When you get to the Redbox checkout screen, just tap "Rent with a Promo Code," then type … Read more

Simple small business accounting

Cashbook Complete Accounting can help manage your company's finances. It can handle most any bookkeeping task. It will manage incoming and outgoing expenses, employee timesheets, list of contacts, and invoices for projects and jobs. You can also use it to run and print invoices, balance sheets, and profit and loss reports, and e-mail them to your customers or export them to financial-planning software. It will manage your company's bank accounts and even import data from your bank. There's a built-in backup utility, too.

Cashbook Complete Accounting is a good accounting solution for small- to medium-size companies. The … Read more

Mint makes Twitter an investor hub

Mint launched a new tool on Thursday that gives users real-time updates on the latest personal-finance topics hitting Twitter.

Dubbed Money Tweets, the personal-finance service's new feature tracks tweets about everything from investing and saving to the most popular finance-related topics at any given time. It also has a "question of the day" option where Mint poses a question and displays all the tweets that answer it.

Mint was recently acquired by Intuit for $170 million.

To ensure Money Tweets doesn't list any tweets that might be offensive or contain links to potentially malicious sites, the … Read more

Corporate bank accounts targeted in online fraud

Criminals have tried to steal an estimated $100 million from corporate bank accounts using targeted malware and money mules, the FBI said on Tuesday.

"Within the last several months, the FBI has seen a significant increase in fraud involving the exploitation of valid online banking credentials belonging to small and medium businesses, municipal governments, and school districts," the agency said in a statement.

The FBI is seeing, on average, several new victim complaints and cases every week, according to a report prepared by the Internet Crime Complaint Center and linked to in the FBI release.

Brian Krebs reportedRead more

Home finance manager

Adarian Money for Windows offers to keep your finances in order with a simple setup and surprising options. While it takes a lot of work, it dissects finances so well that it's well worth the effort.

The program's interface felt instantly comfortable, since its rows and columns reminded us of online banking software. Its clearly labeled commands and intuitive flow was never difficult to manage. While the program offered to handle all your financial matters, including checking, savings, cash and even investments, it was a lot of initial effort to set up. We needed to manually enter every … Read more

Quicken 2010: Smoother money management?

With Quicken 2010, Intuit strives to make its classic money management application easier to navigate and simpler to understand in less time, thanks to spruced-up visuals. Although a solid balance-keeper and financial assistant, Quicken needs every boost it can get. Web-based software is growing more sophisticated and stylish every day and users are increasingly less wary of dealing with banking online. These conditions form two pincer points squeezing traditional desktop software like Quicken.

Many of Quicken 2010's additions are cosmetic changes that streamline and simplify its offering. There's a set-up wizard that guides you through importing your financial … Read more

iPhone app tracks your income in real time

Remember the Death Clock, that oh-so-depressing site that counts down the time you have left to live?

I won't say this is the exact opposite, but it's in the ballpark: Earn-O-Meter for iPhone tallies up your income, in real-time, while you work.

The idea of this tongue-in-cheek app is to help you endure workday drudgery by showing how much money you're earning while "sitting through pointless meetings, dull conference calls, and inane conversations with nitwits in the workplace." (The developer's words, not mine.)

And, let's face it, wouldn't it be nice if … Read more

BillShrink delivers personal savings recs

Online money-saving tool BillShrink launched on Tuesday a new Savings and CDs feature designed to help people find the highest interest rates.

BillShrink, which also offers help on finding cheaper cell phone plans, more advantageous credit cards, and low gas prices, told me in a conference call Monday that it's on track to help users save more than $1 billion by year's end across all three of its money-saving features.

With its Savings and CDs tool, BillShrink now enables people to take the cash they've saved and invest it in a savings account or a certificate of … Read more