budget posts

This might be obvious to most of us, but the WSJ feels it's fit to print: while Steve Jobs' reimbursed budget for his private jet has been fairly considerable over the past year or so -- $580,000 for a six-month period a year ago and $30,000 during a quarter period, the past few reports have seen the budget much, much lower. For the first three months of this year they didn't pay him at all, and for the previous six months before that they've only reimbursed him for $4,000.

What does this mean? Nothing, really -- while the WSJ points to it as evidence Jobs hasn't been traveling overseas to help bring the iPhone to China and carry out other big Apple deals, we've already known that Jobs wasn't involved much in the day-to-day business anyway; besides, it's hard to recuperate at home and fly around the world simultaneously. There are lots of other reasons for the budget to be down -- that $580,000 period would have been right around the manufacturing point of the iPhone 3G, and since most of the focus lately is on software, it's not like Jobs needs to be jetsetting off exotic plants to make sure production is on schedule.

And of course gas prices are back down quite a bit, and companies are under a little more scrutiny and pressure in this economy, so teleconferencing may be just as good as a plane ticket these days. Apple is still saying Jobs is expected back in June, and though these plane figures are interesting, the fact that Apple is still confident of his return says more about the company's future.

Just because Apple aficionados have historically been willing to pay a modest premium for the world's best computers, music players and cellphones, that doesn't mean they don't enjoy the occasional bargain as much as their Windows-using, Zune-toting, Blackberry-typing brethren. In the spirit of healthy holiday consumerism, here's our list (far from comprehensive) of a few select deals for the Black Friday sales. You can get full-on shop-till-you-drop coverage at dealmac.com, and quick overviews from Gizmodo and dealNN.

Naturally, Amazon and Newegg both have big discounts on most gear for today -- not all of it is good for Macheads but there are plenty of treats on the hard drive, headphone and camera front. Amazon is selling SwissGear backpacks for $24, which is tempting, and shows the iPod touch 8GB at $209; that's likely to be matched by the Apple Store's one-day discount as it rolls around the globe. Newegg has the usual excellent pricing on hard drives and flash memory, although not much on the 'secret deals page' is overly Apple-oriented; $19 for an 8 GB flash drive might raise some eyebrows and liberate some funds, though.

The heat on hardware is also clearly set to 'high' with the discounts from Best Buy, MacMall and MacConnection. Right now MacConnection is showing the best deal on my benchmark machine (the midrange MacBook unibody), with a selling price of $1149 -- keep an eye on the other sites too, as MacMall is right behind at $1179.

If you love to watch TV on your shiny Mac screen, there's a deal for you too. Elgato is offering $50 off of the $149 EyeTV Hybrid HDTV tuner and DVR software bundle today. This is a particularly good item for anyone who has an older analog TV in a spot where they don't have cable or satellite but they do have a computer -- it's a great way to get through the digital transition in February of 2009, as domestic US television drops its analog signals for good.

Nobody can live by hardware alone, though, and there are plenty of software and accessory vendors who want to grab their fair share of your gift budget. A few of note below...

Keeping track of personal finances isn't usually something to dance about, but with the newly released Moneydance 2008r2 for Mac, you might at least do a little happy dance whenever your checking account balance is in the black.

Moneydance is a full-featured personal finance manager with online banking and bill payment, budget tracking, scheduling of transactions, and investment management tools. It's perfect for older Macs, requiring only 4.8 MB of hard disk space and a thrifty 128 MB of RAM.

The US$39.99 Mac app (upgrade free for existing users) includes a ton of bug fixes and improvements. There's a new popup display of transaction information and splits when you hold down the alt key when hovering over a transaction, plus improved graphs, the ability to store online passwords in the data file (encryption must be enabled), and more. A free trial is available for those who are curious.

Pennies is a new iPhone application from the same people who brought you AppZapper and Disco. Pennies is a simple, yet beautifully designed, application to manage your monthly budget right from your iPhone or iPod touch. When you first launch the application you are presented with a "This Month" budget screen where you can set your monthly budget, see how much you've spent, see top expenses, and get some statistics.

In the "Expenses" tab you can add, edit, or annotate your expenses. When you add an expense, you can select a category and enter an amount. You can choose between 10 categories including: general, food, electronics personal, and groceries. When you enter an amount and save the expense, it is automatically deducted from the budget and the "fuel gauge" moves towards the "empty" line on the month screen.

Overall, this is a very nicely designed application that offers a handy solution for managing your budget on-the-go. However, it would be nice to have a desktop application on the Mac that this app could sync with. Perhaps via a WiFi link, like 1Password for iPhone -- maybe it could connect with ChaChing? Still, for $2.99, this application is definitely worth the price. Pennies (iTunes Link) is available right now via the App Store.

Cha-Ching, Midnight Apps' handy Quicken-killer that takes the pain out of managing your money, has received a minor update to v0.5.2. While the notable changes like UI improvements, bug fixes and confirmation dialogs when deleting items aren't much to write home about, the third change from the emailed press release is what has me excited: "upgraded database in preparation for version 1.0." I spoke with Juan Alvarez, lead developer of Cha-Ching, about an ETA for 1.0, and it's apparently slated to land before the end of April with some rocking new features and changes. Cha-Ching itself has received a major overhaul in preparation for the big 1.0, so stay tuned for more details and some pre-release screenshots as soon as we can publish them.