Q - What makes Money Decoder better or different than any other financial software?

A - Specifically - our yellow-light indicators, knowledge guide, full financial integration, simple to use calculators, retirement and college target planning, and cockpit full of auto-calculated formulas and summaries are all unique to Money Decoder.  Money Decoder was created in collaboration with the full myriad of financial professionals AND consumers.  And, where most financial programs are built as money tracking and counting devices, Money Decoder was engineered specifically for the purpose of helping consumers UNDERSTAND their money so that they would be equipped to deal with the financial challenges and giant institutions they are up against in this complex, market machine otherwise know as "the modern economy."  In addition, our personal financial tutorials were built from a financial "tips" perspective which coincides with usage of the program itself.  And, if you sign up for our mailing list of financial articles Money Decoder becomes even more interactive and valuable as a calculator, a guide, and an organizional tool than any other program on the market today.  In addition, there is no other software such as this which offers live tutorials and demonstrations from real financial professionals in order to maximize usage. 

Money Decoder is the only financial software that organizes, educates, calculates and integrates your COMPLETE financial portfolio together in a simple and easy to use format.  Money Decoder was built in order to help people see the big picture financially so they could succeed long-term and over-all.  Almost every other financial program was either built as a "short-term" daily check register or budget manager or as a way to view just a couple or a few elements of a financial plan.  We believe at Money Decoder that you cannot be successful at anything (health, career, relationships, etc.) without a long-term, big picture vision.  Our program is engineered to make the complex simple and to make the big picture understandable through complete integration and long-term thinking design - in the same fasion as a quality financial planner. 

Q - What is the best way to make use of the yellow indicator lights?

A - see article entitled, "Yellow Lights." - or click here.

Q - Why is my net cash flow yellow when I am in the "positive?"

A - Most likely because you are not saving the required amount to secure a retirement income comparable to your present expenses.  Based on Money Decoder's calculations, most people need to invest more than 15% of their spendable income into long-term financial planning for at least 25-30 years to actually maintain long-term standard of living into their elder years.  If you are not doing this, Money Decoder will let you khow.  Then, it's up to you to decide whether you should take action or not.

Q - What is your refund policy?

A - Instead of offering refunds, we have made a conscious decision to offer a free and complete trial version  to every customer prior to purchasing.  That way, you will have a great opportunity to decide whether Money Decoder can help you financially prior to making a purchasing decision.  We and our customers, many of which are CPA's and Financial Advisors (in a variety of financial disciplines) believe it is worth far more than the price and recommend it to everyone-  see our testimonials- click here).  We also have multi-millionaires who manage their affairs with Money Decoder and we know it can work for you, but we still want you to have a full sample so you can see for yourself.  In addition, it is part of our mission to price and design our product in a way where every consumer can afford (rich or poor) and make good, high-quality usage of Money Decoder.  At this low of a price it is more than worth it for anyone in the industrialized world who cares enough about stewardship of their resources to at least organize themselves.  And. you get a full sample up front.  Lastly, unlike many programs and web-sites today which offer a small monthly fee that goes on forever, we offer a lifetime license to our product.  Therefore, once you buy the key, you own it forever.  You will not get "sucked-in" with a low monthly fee which in reality winds up costing you hundreds or thousands over your lifetime.  You will own it for one, inexpensive price for life! 

 Q - Where do I do my college planning?

 A - Go to the assets page, where all of your liquid assets (including all of your college savings) should be listed.  Click on the far right button labeled "Financial Goals."  Then simply follow the tutorial for financial goals.  Shouldn't take you more than3-5 minutes to create a complete plan for targeting college amounts and investments.  Here is the link to the tutorial - Financial Goals.- or, click here.

 Q- When, exactly, should I be using Money Decoder and how often???

A - We have 3 answers for you:

• Simple Answer- Whenever you want or feel the need to get more 1) Organized, 2) Educated or 3) do Calculations on financial matters. 
• Intermediate Answer - It is a good practice to open up Money Decoder in these 3 situations-  whenever you: 1) go through your bills, 2) receive financial mail and want to update and throw out statements, and 3) are faced with a financial or life decision that could impact your financial future.  Just open up Money Decoder and let us do the math for you.
• Advanced answer - We at Money Decoder believe that part of the failure of the very few financial software programs available and the reason so many people fail financially is the high level of maintenance and discipline required to make things work effectively and efficiently.  The whole point of software and automation is to save you time, not cost you time.  Therefore, Money Decoder was built as a program that provides the basic framework for housing all of your financial information, educating you about what you need when you need it and when you want to think about it and calculating all that you would ever need when it is time to "do the math."  Unlike our competition, Money Decoder is NOT a program you need to tend to frequenly in order to make it work.  Like a good dog, it sits humbly beside you, just ready and waiting for when you need it, and ready to do exactly as you please - no more, no less.  It is not as a "Budget Program" that requires the maintenance and constant upkeep that so often leads to failure and more money wasted because you couldn't keep up with it.