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Trustworthy Sites Are Worth A Mint

Trustworthy Sites Are Worth A Mint

Mint\'s login screen

    The internet is full of lies. Without plenty of effort, you can’t even prove my name is Thursday Bram. So why should you hand over your bank account numbers, passwords and other financial data to me?

    That’s essentially what Mint and other money management sites are asking you to do. These companies have many benefits for those of us focused on productivity and, for some of us, those benefits have outweighed our healthy senses of paranoia. I’m not saying that money management companies are all out to get us (and some of them are actually very good), but it’s worth taking a very close look at what sites you trust.

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    I realize it may not seem fair to be so suspicious — after all, these sites never did anything to me. But pretty much everything on the internet is a matter of trust. Consider Mint’s “Privacy & Security” page: in 20 minutes I could have an identical page up on my site. Merely posting a page isn’t enough to win my trust — although the information Mint has posted is very convincing.

    What is enough to win my trust?

    I think a video of Bruce Schneier pronouncing a site’s trustworthiness would be enough to convince me — but only because I already trust Schneier as an expert on security.

    Beyond that, it’s a matter of finding some very specific facts that will help me to decide on whether to trust a given site.

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    Where is a company based?

    Most folks running websites have the best of intentions. The country they’ve set up their servers in, though, can have some extensive effects on who gets to see your information simply by asking. In the U.S., there are certain laws meant to prevent companies from passing around your private information. But in more controlled societies — think China — certain government officials can access secure information with no intermediary steps.

    Knowing location is also important in case something goes wrong. I know I’d rather use a money management site based in my own country in the event that they did distribute it to someone with nefarious plans. At least, in that case, I could take the company to court.

    What does the privacy policy say — and is it enforceable?

    Who reads all those user agreements and terms of use anyhow? Isn’t that just a box to click through so you can start playing with the nice shiny web application? Mint devoted a major chunk of its terms of use to discussing a comprehensive privacy policy.

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    Reading this policy is a fairly good indicator of Mint’s trustworthiness — and therefore its success as a money management application. The key is the inclusion of a way to address security issues through a third party organization with a reputation for trustworthiness. It’s easy to scoff at using such third party organizations, and listing links to their sites on your own, but those seals are actually a good indicator, if you can confirm that they are correctly displayed.

    Mint’s partnership with TRUSTe is a great example. TRUSTe has been around since 1997 and was founded by, among others, the Electronic Frontier Foundation. That sort of history and such well-known associates make for a good indicator of trust.

    What are other people saying about the company in question?

    Beyond fancy logos, though, a real indicator of whether a website is worth trusting is the buzz around the web. Just Googling a site’s name can get you a whole load of information, though you might consider adding words like ‘security’ in your search. A surprising number of people don’t do even this basic level of research before handing over details like the password to their email — I can name a half dozen social networking sites that ask for exactly that in order to import your contacts. It’s nice that we have such an environment of trust online, but we’re just asking for problems when we give away such information willy-nilly.

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    Such due diligence can be enough to warn you off of releasing your information, though. At the very least, it can give you a head’s up of security issues that might make you want to wait before signing up for a service.

    Unfortunately, buzz doesn’t always help early adopters. If you’re always the first person into the private beta, you may not have heard about any bugs or problems that a company has experienced, let alone if other people have some questions about trust.

    How much time should I spend on research?

    I don’t necessarily delve into the technical security specs of every site I sign up for, and I wouldn’t even argue that there is a need to. But before handing over information like your bank account numbers — or the password to the email account where you’ve saved those numbers — it’s worth spending 15 or 30 minutes to make sure that your sensitive information isn’t going to take a walk after you’ve entered it.

    After this sort of review, Mint has all the elements of a reliable site. They’re able to earn trust, rather than rely on people looking for a quick fix and ignoring a few warning signs. Yes, Mint solves some significant productivity and money management questions, but it does so in such a way as to reassure users.

    I do still have a few concerns, of course. Any site known to save financial information on numerous people is going to be a target of all sorts of malicious attacks. And no site is going to take users on a walk through of the exact protections and vulnerabilities of their system. Aaron Patzer, Mint’s CEO, has discussed the site’s security on several occasions, and in general, it seems like information submitted to the site is fairly secure. I’m willing to roll the dice and take a chance on Mint — especially since none of the early adopters have gotten burned yet.

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    Last Updated on August 6, 2020

    35 Top Productivity Apps for iPhone (2020 Updated)

    35 Top Productivity Apps for iPhone (2020 Updated)

    Over the years here at Lifehack, we’ve discussed plenty of apps that you can use to improve your overall productivity.

    There are certain ones that many of our contributors and editors (past and present) have adopted over the long-term — there are always the stalwarts that stick around. But there are also new apps that crop up every day, adding more and more depth to the app category.

    Some of the apps are incredibly plain and simple, while others are more robust and offer more features than you can shake a stick at. And everyone has the one they prefer.

    It’s been our job (and still is our job) to keep abreast of all of the productivity-type apps out there. As a result — and as a bit of a refresher — we’ve put together a list of 35 best productivity apps for iPhone (all categorized based on their functions) to provide you with an all-in-one resource for you.

    For Getting Things Done

    1. OmniFocus

    This app is, while pricey, considered to be one of the (if not the) most robust and full-featured productivity apps on the market.

    Download it here.

      2. Forest

      Train yourself to put your phone down and stay focused on the task at hand by playing with this planting game. It’s fun and will help you achieve more.

      Download it here.

        3. Things

        Another robust choice, this app is a favorite amongst “productivityists”.[1]

        Download it here.

           

           

          4. Any.Do

          A beautiful-looking app that is both easy on the eyes and your wallet.

          Download it here.

            5. PocketLife Calendar

            This calendar app is specifically designed to be stylish and super easy-to-use. You can organize your life easily with different modern features.

            Download it here.

              6. Asana

              We’ve covered Asana here at Lifehack

              , and it is being actively developed by a strong team committed to making collaborative task management a more efficient and effective experience.

              Download it here.

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                7. ToDoist

                This app keeps track of everything – from simple errands to your most important projects – so you can get it all done and enjoy more peace of mind along the way.

                Download it here.

                   

                   

                  8. Calendars 5

                  This calendar app focuses on events that help you to keep track of upcoming events and tasks easily. It has everything you need to organize, track, and complete your to-dos.

                  Download it here.

                    9. Clear – Tasks, Reminders & To-Do Lists

                    A fun and innovative list-making app that relies on swiping and pinching to make things happen. Clear created a lot of buzz when it launched, and might be the perfect to-do list gateway app for many.

                    Download it here.

                      10. Due

                      A robust reminders app that lets you store and maintain reminders of all types. It’s replaced Reminders for me when it comes to the basics, and it’s worth a look if you want to keep the mundane stuff out of your head and cluttering your mind.

                      Download it here.

                        11. Checkmark 2

                        I use this app

                        for location-based reminders (such as groceries I need to get or single items I need to pick up from various locations). Checkmark is simple to use and valuable addition to my productivity arsenal.

                        Download it here.

                          12. TeuxDeux

                          Created by Tina Roth Eisenberg and Fictive Kin — TeuxDeux is simple and incredibly stellar in terms of design. If you like lists (including the popular “Someday Bucket”) and want to associate dates with tasks, then TeuxDeux will be right up your alley.

                          Download it here.

                             

                             

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                            13. Nirvana

                            For the GTD enthusiasts, there’s Nirvana. Straight from the source: “Nirvana frees your mind to focus on actually getting things done. If you’ve had enough of generic to-do lists, it’s time for Nirvana.”

                            Download it here.

                              14. Priorities

                              An elegant-looking task management app that has received decent reviews,[2] this could be the one for you if you’re not a fan of OmniFocus or Things — especially if you need (or want) to share tasks with others.

                              Download it here.

                                For Building Habits

                                15. Productive

                                With this app, you can plan your habits with an easy-to-use interface, schedule habits for any time of the day, set smart reminders for each time of the day, and stay on track with useful feedback. This app is perfect for anyone who wants to build a habit that sticks.

                                Download it here.

                                  16. Habitica: Gamified Taskmanager

                                  You can complete tasks and build habits in a more fun way with this app. Input your Habits, your Daily goals, and your To-Do list, and then create a custom avatar. Check off tasks to level up your avatar and unlock features such as armor, pets, skills, and even quests.

                                  Download it here.

                                    17. Streaks

                                    This app follows the model of the popular “don’t break the chain method” in that you use the app to track how you are donig in the pursuit of your goal. Great for goal-setting — and an easy and elegant interface to boot.

                                    Download it here.

                                      18. Remember The Milk

                                      Another popular to-do list app, Remember The Milk has a huge following. It has plenty to offer, including the ability to share tasks with others.

                                      Download it here.

                                        19. Day One Journal

                                        When it comes to journaling, nothing really beats Day One. Its latest update added a slew of features that will make you want to start making journaling a habit.

                                        Download it here.

                                          For Files Organization

                                          20. Evernote

                                          Touted as the world’s most widely-used productivity app, Evernote is an be used simply as a notetaking app or can be customized to be your GTD app of choice — among other things.

                                          Download it here.

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                                            21. Pocket

                                            You can save an article, video, or link you want to read or watch later to Pocket from anywhere including your computer, Safari, email, and your favorite apps like Facebook, Twitter, Flipboard, and Feedly.

                                            Download it here.

                                              22. Sync.Me

                                              This app identifies unknown phone calls, warns you from annoying spam calls, and adds a caller picture to your contacts from Facebook, Twitter, and Google+.

                                              Download it here.

                                                23. Droplr

                                                One of the most popular file-sharing apps out there today. Straight from the source: “Stay productive on the go. Droplr for iPhone keeps you in sync and makes sharing on the iPhone natural.”

                                                Download it here.

                                                  24. Dropbox

                                                  Before iCloud, there was Dropbox. And there still is Dropbox, which is still widely used by both Mac and PC users all over the globe. It’s like having a flash drive on your iPhone. A must-have.

                                                  Download it here.

                                                     

                                                    For Working Smarter

                                                    25. Captio

                                                    A simple capture tool. Straight from the developers: “It’s simple. Open Captio and start typing. When you’re done, hit Send. The note is immediately delivered to your email inbox.”

                                                    Download it here.

                                                      26. Drafts

                                                      A tremendous capture tool that allows for simple capture, followed by sending items to various applications such as OmniFocus, Things, and more.

                                                      Download it here.

                                                        27. NoteShelf 2

                                                        This is a perfect note-taking app for you. You can take beautiful handwritten notes, type, annotate PDFs, record audio & create lists. You can organize them into categories or groups.

                                                        Download it here.

                                                          28. Doodle

                                                          This app links directly with the Doodle service, which is one that allows you to plan and organize meetings far more efficiently and effectively. Lifehack contributor Steve Dotto has written about Doodle more in-depth here.

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                                                          Download it here.

                                                            29. TextExpander (Legacy)

                                                            I have saved countless hours of time with TextExpander, and despite its inability to be as robust on iOS as it is on the Mac, it is still a worthy app to have in your arsenal.

                                                            Download it here.

                                                              30. Launch Center Pro

                                                              A quick launcher for the iPhone that doesn’t just launch an app…with some of them it can do much more. This app saves you time by launching complex actions in a single tap.

                                                              Download it here.

                                                                31. GoodReader

                                                                This may seem to be an odd one to make this list, but here are plenty of reasons why it is here with this article.

                                                                Download it here.

                                                                  32. LogMeIn

                                                                  Want to be able to control your Mac from wherever you are? Then get this app.

                                                                  Download it here.

                                                                    For Improving Security

                                                                    33. 1Password

                                                                    There is simply no better password manager out there. I’ve even put together a 1Password Emergency Kit worth looking at here.

                                                                    Download it here.

                                                                      34. LastPass Password Manager

                                                                      You can store passwords and logins, create online shopping profiles, generate strong passwords, track personal information in photo and audio notes.

                                                                      All you have to do is remember your LastPass master password, and LastPass auto-fills web browser and app logins for you.

                                                                      Download it here.

                                                                        35. Truecaller

                                                                        Identify and block spammers, search for unknown numbers, and call friends easily with this app. With a community-based spam list from over 250 million users, you’ll need this app.

                                                                        Download it here.

                                                                          There are plenty of other options out there (and we’ve heard from readers in the past as to what they enjoyed using), but these 40 are among the best.

                                                                          Featured photo credit: William Hook via unsplash.com

                                                                          Reference

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