Amex vous aide à gérer votre budget

En complément à l'article précédent dans lequel nous disions que les banquiers et les institutions financières proposaient de plus en plus d'outils de gestion budgétaire. C'est au tour d'amex de proposer une offre de PFM (personal Finance management). Dans un contexte dans lequel les intervenants financiers sont attaqués pour leur comportement, c'est un véritable service que ces intervenants proposent à leurs clients ou membres. C'est un  aussi un bon moyen de les fidéliser.
source colloquy:
American Express has launched the Money Manager, a new, free online personal finance service that helps charge Cardmembers manage their finances and rewards accounts in a secure online location. Cardmembers now can link bank accounts, credit cards, investment accounts, mortgage loans, car loans, student loans and rewards points from more than 11,000 institutions all in one place through Money Manager so that they can spot ways to spend and save smarter.
Cardmembers access Money Manager by logging into their card account at AmericanExpress.com and providing username and password information for the financial accounts they want to manage. Once a cardmember has registered, all their account information is linked and automatically updated, so they can access all their accounts without having to log in to multiple individual accounts. Cardmembers also can view charts that automatically categorize their spending, set budgets, receive alerts to stay on track, and get updates on their investments.
Money Manager provides tools including:

Budget Tracker: Set monthly budget goals and receive e-mail alerts on budget limits

Spending Reports: Analyze spending trends over time

Financial Calendar: Displays due date and amount due for each financial account where payments are owed, including bills/utilities, credit cards, insurance, mortgage and loan payments

Rewards Tracker: Monitor balances from frequent-flyer, car rental, hotel and other rewards accounts

Personal Net Worth Calculator: Displays account information in a personalized balance sheet format, categorizing it into assets and liabilities and calculating a total net worth

A recent American Express survey of consumers about personal finances shows that more than half (57%) of respondents age 18-64 are concerned that, in any given month, the amount of money they pay in bills will exceed their monthly income; 21% say they don’t have enough time to monitor their household budget and plan their finances; 22% feel they could use some help finding resources to effectively manage their personal finances.

This online service is available to all U.S. American Express Charge Cardmembers.

Source: American Express

AARP: comment les seniors attirent les jeunes par l'argent

L'AARP (American Association of Retired People) est une association sans but lucratif qui s'adresse aux plus de 50 ans. Elle compte environ 40 millions de membres aux états-unis. (http://www.aarp.org/)
Cette association a décidé de s'intéresser à la génération Y des "jeunes adultes" et lance lifetuner (http://www.lifetuner.org/). Un site très complet qui allie les notions de communauté, de forums, des experts, des outils de diagnostic financier avec une promesse: La vague du PFM s'étends progressivement à l'ensemble des acteurs, les banquiers, les sociétés financières, des sites spécialisés comme mint et maintenant le communautaire ou affinitaire. Ce service va devenir incontournable pour tous ceux qui toucheront de pres ou de loin aux questions d'argent.
We're not here to get you a lower rate, a free credit report, or sell you a thing.
We're here to help you understand your finances and take charge of your future