topic Re: Mint.com in General Credit Topics

Mint.com

Cotton_Britches — Sat, 18 Jun 2011 08:00:11 GMT

I'm thinking about using mint.com to keep up with all of my credit cards and other financial accounts. Anyone use it?

My only concern is if their database is hacked for some reason, thieves could have access to ALL of my financial data.

Re: Mint.com

DI — Sat, 18 Jun 2011 10:24:14 GMT

@Cotton_Britches wrote:
I'm thinking about using mint.com to keep up with all of my credit cards and other financial accounts. Anyone use it?

My only concern is if their database is hacked for some reason, thieves could have access to ALL of my financial data.

I used to use Mint.com. But now I use Pageonce to access all accounts with my BlackBerry.

Re: Mint.com

addicted_to_credit — Sat, 18 Jun 2011 11:53:16 GMT

I too use pageonce and I love it

Re: Mint.com

Anonymous — Sat, 18 Jun 2011 13:50:18 GMT

I would never use an Online program to keep track of my personal finances. It's not just a matter of the company being hacked (though it could be a tasty target for hackers.) The company may not even be a reputable company, and even if it is a good company, there could be a dishonest employee, or your financial data could be deliberately or accidentally disclosed to third parties (e.g., sold to marketeers who would not protect your data, etc.) In my opinion, it's not worth the risk. If my balance sheet is compromised, I have only myself to blame. If I use some banking institution's software or a private firm with really cool software, and my finances are messed with, I'm to blame plus (two employees I never met? Eight employees I don't know? Twenty seven?)

Re: Mint.com

UFGuy2006 — Sat, 18 Jun 2011 14:50:05 GMT

@Cotton_Britches wrote:
I'm thinking about using mint.com to keep up with all of my credit cards and other financial accounts. Anyone use it?

My only concern is if their database is hacked for some reason, thieves could have access to ALL of my financial data.

I use mint.com and LOVE it. If you have an Iphone or Android, the app is prettty neat!

Re: Mint.com

Anonymous — Sat, 18 Jun 2011 15:16:15 GMT

I use a simple checkbook program and a dry erase board.

We keep our CC totals on the dry erase board so we can see where we are at financially a glance then keep track of income and payments (CC, rent, utils, etc) in the checkbook software.

I dont think Id trust any more of my financial info to the web than what Im forced to

Re: Mint.com

barbaralee — Sat, 18 Jun 2011 15:18:01 GMT

The company may not even be a reputable company, and even if it is a good company, there could be a dishonest employee,

First off if someone can explain to me how to quote I'd appreciate it. Second this is nothing against gangof 4 but I have become much more aware recently how a lot of people pick and choose when to trust. We hesitate on inputting info online, but don't blink an eye when the waitress runs off around the corner with the cc in hand to run a charge.

I use mint.com, and BofA.com, usaa.com, FTFCU.com, etc.com, and I choose to trust the highly encrypted website as much as I trust the overworked waitress, or the bank teller, or the CSR. That being said I am still proactive against potential compromise. I don't give out my cc over the phone if someone calls asking for it; I close the box that pops up and says I have a virus and I need to buy software; I use a cc with a smaller limit for online purchases... but in the end I find that the services of the .com financial software and banks outweigh the potential risks (which to me are no more risky than using your cc in other occurences).

On the subject of mint the only problem I have with them is that in some of my transactions I see they sometimes show a double charge. Like my Netflix is always listed as a double charge, so I regularly "exceed" by month budget. I am also looking for another software all in one program. I like mint, but the double transactions really annoy me. I am considering YNAB since I already do their method of budgeting. Currently my main software budget is Moneydance, which I use as a register. I haven't linked my bank to the program, I manually input everything in. I feel it helps me more to stay on top of things.

Re: Mint.com

Cotton_Britches — Sat, 18 Jun 2011 15:51:41 GMT

Thanks for the input guys. I'm going to avoid mint.com for now and try Moneydance.

Re: Mint.com

Smarter — Sat, 18 Jun 2011 16:26:03 GMT

Love Mint but hate the fact that it does not work with my Blackberry. Just signed up with Pageonce and it looks great. Will make keeping track of things much easier when I travel. Thanks! I learn so many new things on this board.

Re: Mint.com

MarineVietVet — Sat, 18 Jun 2011 17:11:35 GMT

@barbaralee wrote:

First off if someone can explain to me how to quote I'd appreciate it.

After you hit "Reply" near the top of Post Message form you'll see a "Quote" tab. Just click on it and you'll see the comments of the person you're replying to. You can even edit the qoute if you'd like. I do that sometimes to eliminate several older quotes being stacked on top of each other.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: Mint.com

smallfry — Sat, 18 Jun 2011 18:13:55 GMT

If you can't keep track of when and how much is due maybe you have too many accounts. Why put personal data out online?

Re: Mint.com

Cotton_Britches — Sat, 18 Jun 2011 21:57:01 GMT

Smallfry:

I never said I had a hard time keeping track of my accounts nor my payments. Please keep your erroneous assumptions to yourself.

Re: Mint.com

Anonymous — Mon, 20 Jun 2011 08:08:18 GMT

@Cotton_Britches wrote:
I'm thinking about using mint.com to keep up with all of my credit cards and other financial accounts. Anyone use it?

My only concern is if their database is hacked for some reason, thieves could have access to ALL of my financial data.

Disclaimer: I do not work for Mint or have any affiliation with the company other than being a happy customer.

I've used Mint since it was in beta, and I LOVE it. As for security -- I have a number of friends who work in IT/security and do network contracting for the government (aka they KNOW their stuff) and they really approve of Mint's bank-level security standards and all use the service. That's assurance enough for me! (Along with the site's security FAQs at the bottom of this page: https://www.mint.com/how-it-works/security/ )

Favorite aspects of Mint include: piecharts/graphs so I can see where my budget's going over time, fantastic 'goal setting' programs for future saving, rapid updates on all transactions, and auto-labeling so I don't have to go in and tag every transaction by hand. It's also just a beautifully designed site and a joy to use, which is helpful when dealing with stressful information and number-crunching.

If data security is an ongoing worry for you, I'd suggest practicing good password hygiene -- switch out the passwords of your major accounts once a month and don't use the same password for all your accounts. I do this with a program called '1Password' and I've never felt safer about my information being stored online.

Re: Mint.com

laz98 — Wed, 22 Jun 2011 20:34:01 GMT

i like mint. it's slow logging into a bunch of accounts to check on them. it's much better just logging into mint.