November 2005
Scott Reeves of Forbes.com interviewed In2M president and CEO and Money for Life author, Steven B. Smith for tips on navigating financially through the Holidays.
“Many people fail to put together a straight-forward plan – how much to spend and what type of gifts to buy,” says Steven B. Smith, president and chief executive of financial software firm In2M and author of Money for Life: Budgeting Success and Financial Fitness in Just 12 Weeks. “If you develop a plan and track spending as it takes place, your budget will be successful. But without planning or tracking, most people just take out the credit-card and it's a disaster in January when the credit-card bill comes in the mail.”
View the article
Similar articles appeared in The New York Daily News, The Fort Worth Star-Telegram, Contra Costa Newspapers, Courier News, The Wichita Eagle, The Sacramento Bee, The Times and Democrat, Orlando Sentinel, The Orange County Register and Fidelity Investor's Weekly.
November 2005
Bank Technology News managing editor, Glen Fest, profiled In2M Corporation and it's recent partnerships with financial institutions in an article titled “Money Management: PFM Lite Starts To Get Heavier.”
“A number of these people moving to on-line banking, we think 40 percent, are looking for something that's much more integrated in the way of proactive cash management,” says Steven Smith, president and CEO of In2M, a financial software and services vendor near Salt Lake City, which recently landed its first three financial institution clients for its PFM product, Mvelopes Personal.
“I don't think these providers [like In2M] would have appeared if they didn't see a great opportunity,” says Schatt.
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September 2005
In2M Partners with Financial Institutions To Provide More Holistic Online Banking Services.
"There are many Personal Financial Management (PFM) applications designed to help us manage our money, but very few that actually, and easily, help us better our financial situation," said Tony Rasmussen, vice president of member services for Mountain America Credit Union. "Mvelopes® is one such product. Mvelopes not only helps you track and categorize all of your transactions, it also provides a quick and easy way to reconcile them to your customized budget. Best of all, it gathers your transactions for you automatically!"
View the press release
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September 2005
In2M Corporation announces a strategic partnership with Crown Financial Ministries.
"We really see this as a win-win situation," said George Murphy Chief Information Officer of Crown Financial Ministries. "We have been working for years to teach people the need to live within their means. With the addition of Mvelopes to our programs, we are bringing these principles into the twenty-first century and adding what we believe is the premier online personal budgeting tool available today."
View the press release
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August 2005
In2M Corporation announces the launch of Mvelopes Personal Web-Client 2.8.
Mvelopes Personal is the latest player in the personal financial management (PFM) space that Quicken® and Microsoft® Money have dominated for so long. But Mvelopes doesn't necessarily consider itself a competitor to Quicken or Money - at least not directly. "Mvelopes really approaches spending management from a different paradigm than traditional software programs," said David Neddo, senior product manager for Mvelopes.
View the press release
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March 2005
In2M CEO, Steven B Smith featured on KSL Morning News to offer tips on how to manage spending so that you can save. Making informed spending decisions is critical and Smith shared information on ways to do this, and the tools you can use - including Mvelopes Personal.
View KSL website to see tips
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January 2005
GM Today features an article by columnist Patrick Kearns, titled “New Year's resolution: Get financially fit. Draft household budget to track wasted cash, experts advise.”
'Forty-eight percent of respondents to a spending survey said they failed to save any money in the past six months, and 31 percent saved less than 10 percent of their income. In addition, 50 percent said they rarely, if ever, use a household budget to manage their spending. In2M, a financial software and services company based in Draper, Utah, conducted the online survey of nearly 5,100 visitors between Sept. 1 and Nov. 19. The poll has a margin of error of plus or minus 1 percent.'
Click here to view the complete article
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January 2005
Rockford Register Star Columnist, Bruce Brinkman, wrote article titled "Cash Management Key to Financial Fitness" in a January edition of the newspaper. Brinkman stated:
'Look inside any successful business and you will find not only a superior product or service but also a well-planned and executed cash management system. But cash is not only "king" in prosperous companies, it's also treated as royalty in financially secure households. I recently spoke with someone who has helped thousands of Americans manage their cash more effectively. Steven Smith is the author of "Money for Life" and CEO of In2M Corp., a financial software and services company based in Draper, Utah.'
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January 2005
First Utah Bank partners with In2M to provide their online banking customers with an online budgeting system - Mvelopes Personal. Now First Utah Bank clients can better manage their spending from anywhere, at anytime. Check it out at http://www.firstutahbank.com
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December 2005
In her “Money Makeover” column, Chicago Tribune columnist Janet Kidd Stewart examines the McCue family finances. Financial planner Bruce Brinkman offers tips to help the family get things under control in the article titled “Task 1: Track Spending - Hobbled by debt despite a good income, family needs to know where the money goes.”
Because the McCues find budgeting such a chore, Brinkman suggested trying a software program that focuses more on the daily budget than on detailed household accounting and investment tracking. His pick, online provider Mvelopes (www.mvelopes.com) is running a 30-day free trial, so the family can give it a try without making another financial commitment.
View the article
A version of the article also ran in Newsday.
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December 2005
MsMoney.com ran an article by In2M CEO and Mvelopes creator, Steven B. Smith on ways to protect against identity theft during the Holidays.
An online budgeting program like Mvelopes Personal makes it simple to track all of your expenses from all of your accounts, including checking accounts and credit cards, all in one place. Review your transactions on a regular basis to make sure there are no unauthorized purchases or charges.
View the article
Similar articles appeared in several other publications including Fidelity Investor's Weekly, Los Angeles Family Magazine, Los Vegas Family Magazine, Parents Express, Island Family Magazine, Local Tech Wire, Suburban Parent and Big Apple Parent.
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November 2005
Detroit News personal finance editor, Brian J. O'Connor, wrote an article titled “Gibralter man goes from rags to riches” as part of his weekly series detailing the finances of local individuals. Financial planner Kenneth Prather discussed what Michael Baskin could do to improve his finances.
On the expenses side, a preliminary review suggests that Baskin has a small monthly cash-flow deficit. While that's under control at the moment, that kind of situation can lead to increased borrowing and debt, draining all flexibility out of any financial situation. Prather suggests monitoring expenses, either through a software program such as Quicken or Microsoft Money, newer programs such as the one available at Mvelopes.com, or even just keeping a running total in a spreadsheet.
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November 2005
Fort Worth Star-Telegram reporter, Teresa McUsic, featured a list of tips from Mvelopes creator and In2M CEO, Steven B. Smith, on staying debt free through the Holidays.
The best gift you can give your family is financial stability. Determine how much you can really afford to spend this year, then determine how much to spend on each individual, not the other way around. Don't forget to include amounts for decorations, parties and some of those unexpected expenses.
Similar articles appeared in numerous other publications, including The New York Daily News, Forbes.com, Contra Costa Newspapers, Courier News, The Wichita Eagle, The Sacramento Bee, The Times and Democrat, Orlando Sentinel, The Orange County Register and Fidelity Investor's Weekly.
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October 2005
In a special section on emergency preparedness, Heidi Toth of the Daily Herald wrote an article on preparing one's finances for a disaster.
'Not being able to get to their money to buy necessities and pay bills was a major concern for many who fled their homes to escape Hurricane Katrina. According to Steven B. Smith, CEO of In2M Corp. and author of Money for Life, an online spending management program like Mvelopes Personal (www.mvelopes.com), will help track and control finances, and pay bills from any computer with an Internet connection.'
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October 2005
Fidelity Investor's Weekly ran an article by Steven B. Smith titled “If Disaster Strikes, Are You Prepared?” The article discussed how to 'disaster-proof' your finances, including using Mvelopes Personal.
'Mother Nature may provide the most striking examples with hurricanes, earthquakes and tsunamis, but a house fire, car accident, serious illness, or a lost job could prove just as devastating.
We all hope it never does, but if disaster should strike, money is the last thing you'll want to worry about. You can make it easier on yourself, and your loved ones, if your finances are in order. Here are a few suggestions to help “disaster-proof” your finances.'
View the article
Similar articles, all written by Smith, appeared in numerous publications over the next few months, including: Local Tech Wire, Georgia Family Magazine, Personal Excellence, Physician's Money Digest, Baltimore's Child, and New Jersey Savvy Living.
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September 2005
In2M Partners with Financial Institutions To Provide More Holistic Online Banking Services.
“There are many Personal Financial Management (PFM) applications designed to help us manage our money, but very few that actually, and easily, help us better our financial situation,” said Tony Rasmussen, vice president of member services for Mountain America Credit Union. “Mvelopes is one such product. Mvelopes not only helps you track and categorize all of your transactions, it also provides a quick and easy way to reconcile them to your customized budget. Best of all, it gathers your transactions for you automatically!”
View the press release
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September 2005
Curious Parents features Mvelopes Personal in its “Curious Corner” under the heading “Cool Stuff.”
'Tuition costs are skyrocketing. So is the amount of credit card debt students are graduating college with. Mvelopes® Personal is a new web-based personal management tool that allows people to track the amount of money they have to spend. It's based on the envelope system of cash management where you put money in individual envelopes in a given category like utilities, spending money, car payment etc. Mvelopes Personal uses the same concept, but with computers. It works like this: A user sets up an account with all the different categories they have to spend money on. Then they input their account information so they can see in real time what they've spent and how much they have left. By closely monitoring funds this way, many people can escape debt. It doesn't just work for students either; it's good for any and everyone. All the information is encrypted as well and provided over a secure Internet connection.'
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September 2005
In2M Corporation announces a strategic partnership with Crown Financial Ministries.
“We really see this as a win-win situation,” said George Murphy Chief Information Officer of Crown Financial Ministries. “We have been working for years to teach people the need to live within their means. With the addition of Mvelopes to our programs, we are bringing these principles into the twenty-first century and adding what we believe is the premier online personal budgeting tool available today.”
View the press release
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September 2005
Staten Island Parent Magazine runs an article by In2M's Jennifer Streiff. Streiff discusses the need to prepare children for the real world by teaching them principles of personal finance, and how Mvelopes can help.
'Statistics show that 83% of college students graduate with an average of $2,300 in credit card debt. For graduate students that number more than doubles, reaching $7,800. And that doesn't even take into account their student loans! . . . To set them up for success, set aside time together to create a spending plan and to teach them the skills they need to manage it.'
View the article
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August 2005
In2M Corporation announces the launch of Mvelopes Personal Web-Client 2.8.
Mvelopes Personal is the latest player in the personal financial management (PFM) space that Quicken® and Microsoft® Money have dominated for so long. But Mvelopes doesn't necessarily consider itself a competitor to Quicken or Money – at least not directly. “Mvelopes really approaches spending management from a different paradigm than traditional software programs,” said David Neddo, senior product manager for Mvelopes.
View the press release
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July 2005
Kim Penrose of “Cheapskate Monthly” writes a review of Mvelopes Personal. For years, Penrose had been a Microsoft Money user, “and then [she] met Mvelopes Personal.”
'The 30-day free trial makes it a great deal. It's just enough time to see if it is right for you, but not so much time that it would be difficult to go back to what you were doing before, if you decide to do that. But I don't think you'll ever go back. I know I won't.'
View July's issue
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June 2005
Cheapskate Monthly announces a strategic partnership with Mvelopes Personal.
'Have you been searching for a reliable, secure and effective way to manage your personal finances online? Wishing and praying for a very cool solution that is simple to use and really works? STOP looking!'
View June's issue
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June 2005
American Baby features the Mvelopes Personal budgeting system in its "Budget Basics."
'Sticking to a budget can be a financial lifesaver. Trouble is, many of us don't know where to start. That's where Mvelopes.com comes in. Starting at $8 per month, this Internet budgeting service suggests ways to divide up your monthly income so it's clear how much to allocate for paying down debt, saving, or planning for a big purchase. "The service links up with your bank and other financial institutions to set up a spending plan so you know exactly where every dollar is going," says Steven B. Smith, a spending-management expert and author of Money for Life (Dearborn, 2004). To get started, log on to Mvelopes.com.'
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June 2005
St. Paul Pioneer Press Columnist, Gail MarksJarvis, discusses the need to teach young adults about credit in her article "College students need to learn credit card lessons." MarksJarvis discusses how Mvelopes Personal can help track spending and make budgeting easier and more understandable.
'If you want a more experiential approach to budgeting, try www.mvelopes.com. The site lets you set up envelopes for each type of expenditure you make each month, and as you insert money and remove it, the idea of using up money is less abstract.'
View the Article
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May 2005
Nell Luter Floyd of The Clarion-Ledger features tips from Money for Life author and In2M CEO Steven B. Smith on budgeting to purchase a home and how Mvelopes Personal can help.
View the Article
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May 2005
Money for Life author, Steven B. Smith, was featured in an article by Kiplinger's Mary Beth Franklin entitled "Fund your Vacation: Save now for a short-term goal and have more fun later."
'"Our inability to save for those things has created the consumer-debt problem of today that now exceeds $2 trillion", says Smith. "We are so accustomed to spending 100% of our monthly cash flow that when the next month comes around, we can't pay off the credit-card balance."'
View the Article
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April 2005
Keith Russell of Tennessean.com features Steven B. Smith, author of Money for Life and creator of Mvelopes Personal, in his discussion of how Americans "approach and account for the money they spend."
'Most people do fine with standard monthly expenses, like rent or food, Smith said. The problem arises when they haven't taken into account periodic events like a holiday gift purchase, back-to-school needs or a family vacation. As a result, he estimates most Americans spend 10% more on average than their after-tax income.'
View the Article
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March 2005
Mvelopes Personal featured on KSL Morning News, in Salt Lake City, when In2M CEO, Steven B Smith, is featured as a Spending Management Expert. Smith offered tips on how to make informed spending decisions in day-to-day situations and what tools are available to help you do that, including the use of Mvelopes.
View KSL website to see tips
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February 2005
Didn't Track your Deductions this Year? You May Pay The Ultimate Price - A Refund.
View the Press Release
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January 2005
Kiplinger's Personal Finance features Mvelopes Personal in article titled “Budgets that work (honest)- Whether you use a PC or a pencil, tracking your expenses can lead to big rewards.” In the January issue of the magazine, Jane Bennett Clark wrote:
'If you don't like keeping lots of cash around the house, you could set up an online system with Mvelopes, a service that links up with your bank and uses envelope icons to apportion your paycheck and keep track of spending. Mvelopes avoids much of the data entry of other personal finance programs and gives you a visual cue of how much money you have left in each category. When you're over budget, the line item turns red.'
View the article (PDF)
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January 2005
Rockford Register Star Columnist, Bruce Brinkman, talks about using Mvelopes Personal for his own finances in "Updates from the World of Personal Finance." Brinkman states:
' One of my new year's resolutions was to get up and running with Mvelopes, a new on-line cash-management program. The initial set-up takes time, but because all banking and credit card transactions are captured automatically, updating my budget should only take 45 minutes a week. Cash expenditures still need to be monitored closely, though. Those $2.25 lattes add up over time. '
View the article (PDF)
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January 2005
First Utah Bank partners with In2M to provide their online banking customers with an
online budgeting system - Mvelopes Personal. Now First Utah Bank clients can better
manage their spending from anywhere, at anytime. Check it out at http://firstutahbank.com.
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Money for Life Success Planner brochure - Download PDF.
May 2005
Money for Life author, Steven B. Smith, was featured in an article by Kiplinger's Mary Beth Franklin entitled "Fund your Vacation: Save now for a short-term goal and have more fun later."
'"Our inability to save for those things has created the consumer-debt problem of today that now exceeds $2 trillion", says Smith. "We are so accustomed to spending 100% of our monthly cash flow that when the next month comes around, we can't pay off the credit-card balance."'
View the Article
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April 2005
Keith Russell of Tennessean.com features Steven B. Smith, author of Money for Life and creator of Mvelopes Personal, in his discussion of how Americans "approach and account for the money they spend."
'Most people do fine with standard monthly expenses, like rent or food, Smith said. The problem arises when they haven't taken into account periodic events like a holiday gift purchase, back-to-school needs or a family vacation. As a result, he estimates most Americans spend 10% more on average than their after-tax income.'
View the Article
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March 2005
Money for Life Author, Steven B Smith, was featured on the KSL Morning News in Salt Lake City, Utah. Smith talked about ways to 'Spend to Save Money' - giving tips on how to make informed spending decisions and the tools available to help you do so.
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February 2005
Steven B. Smith, author of Money for Life and In2M CEO, was featured on the Garrett Sutton radio show on February 9th at 4:00 pm PST. Steven talked about various aspects of spending management and answered questions from callers as well. Listen to the radio show at www.successdna.com
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February 2005
Personal Excellence magazine (Executive Excellence Publishing) featured an article written by Money for Life author, Steven B. Smith. The article is titled "Getting out of Debt" and discusses, in detail, one of the Applied Principles from Money for Life - Budgeting Success and Financial Fitness in Just 12 Weeks!
View the Article, or complete magazine.
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January 2005
In2M CEO and Money for Life Author, Steven B. Smith featured on radio shows across the nation.
- Jan 8th 1:05 pm MT, Sirius Satellite Network - national, live with the Business Shrink
- Jan 6th 6:40 am MT, KLPW-AM/metro St Louis, MO, live with Diane Jones
- Jan 4th 11:20 am MT, Associated Press Radio - national
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