2011 May

Digitwirl: Mint.com— Show Me The Money!

We first wrote about Mint in 2008; at that time, I was inspired by another blog’s post about Quicken online. Fast foward nearly three years, and Quicken has acquired Mint. Funny how that works.

Since then, the service has gotten better in some ways and worse in others. On the “better” side: it connects with more financial institutions, and does so more reliably, and trend reports have gotten better. On the “worse” side, the interface is starting to show signs of the Intuit acquisition: with more and more options and choices. Choices can be good, but they can also create an overwhelming experience. And part of what really sets Mint apart (or has, in the past) is how simple the interface is, and what a pleasure it is to use.

It will be interesting to see if Mint can maintain their lean, simple approach to finances or if they’ll start to be bogged down by the things that led me to flee from Quicken in the first place.

Regardless, it’s still my favorite go-to place for managing my finances. Not necessarily taking action (you can’t move money or pay bills with the site — you can only view data) but for creating budgets and watching how my earning and spending is trending over time.


Digitwirl: Mint.com – Show Me the Money!

Keeping track of your life is challenging enough, so who can remember when your next credit card payment is due or that your checking account is on life support? But there is a simple way of keeping track of all your finances in one secure place: Mint.com.

With a few simple clicks you can upload your bank account balances, bills, mortgage statements and student loans and Mint will organize them so that you always know exactly what’s going on with your finances. No more searching piles. No more late fees. And, Mint gives you an up-to-the-minute view of all your transactions, analyzes your spending habits and lets you set up a budget. It might just surprise you to see where your cash is going and how you can save money. With the Mint app (available for both iPhone and Android) a quick peek at your bottom line will help you decide whether to purchase, or pass on, that little “me gift” you’ve been eyeing.

Watch this week’s Twirl to learn how you can gather up all your finances into one safe financial manager. Oh, and let us know what you think about Carley’s hat. Yay, or Nay?


Digitwirl is the weekly web show that offers simple solutions to modern day problems.  In 3-minutes, Digitwirl brings busy women the very best time, money, and sanity-saving technology, and then teaches them how to use it, step-by-step.  Digitwirl was created by technology lifestyle expert Carley Knobloch, who uses lots of technology to manage her busy life as mom of two and entrepreneur.  Subscribe to get weekly show alerts and exclusive deals at Digitwirl.com, or follow Digitwirl on Twitter at @digitwirl

Being Smart About ‘The Cloud’

“The Cloud” is something that is coming up for me, and my cohorts, in meetings, planning sessions and hosting discussions more and more all the time.  As we talk about it more I’m noticing some really interesting ways that people respond to the idea of ‘The Cloud.’  This post isn’t about explaining what the cloud actually is because we’ve already done that twice, in a blog post and a podcast.  Instead I’d like to debunk a few of the more common assumptions I’m hearing about the cloud in order to encourage people to be thoughtful about the cloud solutions they consider.

In an effort to keep things simple I’m just going to list some of the most common misperceptions about the cloud and my response to those inaccuracies:

1)  Putting my software or web business in the cloud means I never have to think about it.  

-Not really true.  Yes, it’s true that by tapping into cloud infrastructure you don’t have to invest in hardware and software and infrastructure.  But to think that by abdicating all control to some nameless, faceless entity without making yourself or any part of your organization responsible for some awareness of where things are or how they are managed or by whom and how often is just irresponsible.  You wouldn’t leave a brick and mortar store open and unattended – why would you do it to your digital business?  

2) The cloud never goes down – it is 100% reliable in terms of up-time.  

-This is my favorite assumption.  Cloud services aren’t magic.  They run on the same kind of hardware that has always served as the backbone of the network we call the internet.  Yes it may be more robust and of a much larger scale.  But technology, by it’s very nature is fallible.  It fails.  Anyone who’s been using Gmail for the last year can recall at least one time when it was down for nearly an entire business day.  Gmail is a service in the ‘cloud’ and it is owned and maintained by one of the largest, most magical technology companies on the planet.  And yet – it went down – and in doing so it paralyzed business and panicked it’s users for a period of many hours.  It happens.  Understanding that the cloud is capable of failure going into it will save a lot of headache and disappointment when you’re confronted with that failure.

3) Big businesses trust the cloud and never have to worry — that’s enough for me.

-References are a good thing for any business.  Being able to point to companies or brands that have good experiences with any service is a great way to feel more comfortable choosing a technology provider.  But big companies suffer technology failures too.  Case in point–recently customers (and not just any old customers) using Amazon cloud services experienced some significant down time.  Some of the customers were so big that the outage made the news – both because of the business that was effected and the amount of time the services were down. 

4) Cloud services are more secure than other options.  

-This is probably pretty true – in that it is in the cloud provider’s best interest to significantly invest in securing their networks because protecting their client’s data is probably their single most critical responsibility.  However, criminals think like criminals – and they are constantly exploring ways to exploit weaknesses in technology — which, as I’ve already mentioned, is not infallible.  To assume that any service provider is 100% secure is not the way to consider their offering.  Instead, care about the process they have in place for continued and rigorous evaluation of their security  – do they have 3rd party scanning and audits of their systems to ensure they are always working to prevent exploits?  And find out what the process is in response to a security vulnerability.  If they get hacked – what happens?  What procedures are in place to notify their administrators, and you, and then what happens to re-secure your date and prevent this sort of issue going forward?

5)  Only giant global brands can offer cloud services or software in any sort of meaningful way.  

-This is completely false.  Cloud services can be offered by companies with names that are NOT Amazon or Microsoft and they can be just as reliable and secure.  And, if service and accessibility are important to you – you might actually want to consider a smaller provider.  Because we all know how hard it is to get through to giant, national service providers.  As with any business service – thinking critically and strategically about your needs and expectations and mapping out a plan are the best ways to approach your business requirements.  Think about what is important to you and make a list of those priorities – is it service with a smile?  Is it a 24/7 help line?  Is it price?  Is it security and monitoring?  Create a matrix of products and service guarantees and compare them by price and service level.  In the end you’ll understand more about what it means to use cloud hosting and/or computing services – and you’ll have a better grasp of what it means for your business.   

The important lesson in all of this is – just because the service is attached to a globally recognized brand like, say Verizon, for instance, doesn’t mean that you are without any responsibility and it certainly doesn’t mean the technology itself is flawless.  There is no such thing as fail-proof technology.  What you’re thinking of is magic.  

Digitwirl: Get your loyalty cards out of your wallet and into your Smartphone

I love getting discounts and free stuff, but I’m a real minimalist when it comes to what I’m willing to carry around in my purse or wallet. Of late, I’ve found myself saying no whenever a clerk asks me if I’d like to join a store’s loyalty club; mainly because I don’t want to deal with the dumb card! Carley’s found a great app that may have me answering differently — and saving some money — the next time I’m at Barnes & Noble!


From the pet store to the bookstore, everyone seems to have loyalty cards these days. They’re great. They get you discounts and exclusive deals, which may be why your wallet is jammed full of them. Or, you may be the type who hates carrying them all around with you, but inevitably the one you need is stashed in a drawer at home.

Cardstar (www.mycardstar.com) is a simple but brilliant app that puts all your loyalty cards in the palm of your hand (assuming that hand is holding your smartphone). Download it for free to your iPhone, Blackberry or Android and then — using your phone’s camera — just scan the bar codes on the back of your cards. Cardstar reads the barcode and stores them where they can be scanned at the checkout counter just like your plastic card. Cardstar will also show you which of your stores is offering special deals and help you score coupons to save you even more money. Boom!

Check out this week’s Twirl and see how easy it is to ditch the plastic and hold on to more paper—you know, the kind with dead presidents on it.


Digitwirl is the weekly web show that offers simple solutions to modern day problems.  In 3-minutes, Digitwirl brings busy women the very best time, money, and sanity-saving technology, and then teaches them how to use it, step-by-step.  Digitwirl was created by technology lifestyle expert Carley Knobloch, who uses lots of technology to manage her busy life as mom of two and entrepreneur.  Subscribe to get weekly show alerts and exclusive deals at Digitwirl.com, or follow Digitwirl on Twitter at @digitwirl