Stance: Studies on the Family

Brigham Young University Student Journal

Tag: review

Is Mint by Intuit Right for You?

The word finances makes many newly-married couples cringe in fear. While everyone recommends budgeting, saving, watching credit scores, and tracking financial growth, these tasks bring with them extra time and energy demands that are often unrelenting. New and old families alike know they are supposed to do those things, but often do not know how to get started. And that is where the age of technology comes in! Over the past few months I have been using a very popular mobile app called Mint by Intuit to help me wrangle in those pesky tasks and hopefully plot a course of financial security. I will be going through some pros and cons of this service and hopefully allow those looking for a way to budget efficiently decide if this product is the right choice for them.

Pros:
  1. The user base is huge! To be honest, the reason that I am reviewing Mint is that it was one of the first apps that showed up when I searched for budgeting tools on the iOS app store. The good news is when an app has a large active user base, the company that manages that platform is more likely to keep the app up-to-date and to respond to suggestions and emerging technologies. This puts users in a good spot since they know that they are syncing their personal financial information with a widely used and respected service and not some shady back-alley app.
  2. It is free! This has to be on this list. An app gets put in many people’s good graces, including mine, when it can be downloaded for free. And the free train doesn’t stop there; the service does not have any premium or “pro” features that require a subscription service, meaning it is a truly free app—not one of those sneaky mostly-free ones.
  3. Automated! Using technology is supposed to make life easier, right? Well in this case, the answer is yes! Once you sync your bank account to this secure application, Mint does the rest! It creates charts and tracks spending patterns automatically and religiously. Before using this app I did not know to the exact percentage point what I was spending on entertainment, but now I do. With the information that is ready at your fingertips immediately after signing up, it is simple to start making plans and adjusting habits to align better with your financial goals. My wife and I were able to see that we were doing super well on some categories (food, clothes, and movies) but could use some work on others (eating out).
Cons:
  1. Ads. While the service is completely free, we do live in a world where money, unfortunately, does not grow on trees. As such, Intuit has decided to display banner style ads throughout the app and saturate the “Suggested Investment Products” feature of the app with its own systems. So while I revel in the app’s freeness, I do note that purchasing any other services strictly from the in-app recommendations without any third party advice is probably not the most recommended course of action.
  2. Automated. I know this appears on both lists, but for good reason. The automation does wonders on productivity, but I kept feeling like I was missing out on truly learning how to budget and plan the family’s finances. When the system was doing everything for me I realized that while I had great information now, I hadn’t learned anything. For those that want to learn budgeting, and not have it done for them, there may be better options explored in the future.


All in all Mint is a great product. It looks clean, it is easy to set up and use, and it has provided me with wonderful information that my wife and I have begun to use to our advantage. It truly is important for every family to budget and work toward financial security. With that being said, Mint just may be the right app for you to get on that road to financial success.

Photo by William Iven on Unsplash

BY JOSHUA HANSEN

Learning from Jazz

by Brittany Bruner

Some people say that I’m stuck in old traditions because I love old things. I love elderly people; vintage clothing; classic movie stars like Jimmy Stewart, Grace Kelly, and Audrey Hepburn; and old jazz music.

I especially love old jazz music. It has the ability to set so many moods, and the rhythms and sounds are just cool. I grew up listening to jazz, and one of my fondest memories as a child is when my dad would drop his voice, add some grovel, and do his best imitation of Louis Armstrong. Nothing gets better than Louis Armstrong.

Last week, BYU had an awesome opportunity for students to hear from some well-respected jazz artists, Loren Schoenberg and Jonathan Batiste. These two incredible artists were visiting from the National Jazz Museum in Harlem to participate in a lecture titled “Jazz and the Art of Civic Life,” put on by the new Humanities Center. One of the goals of the Center is to present interdisciplinary lectures. Thus, the presentation would be an “informance” meaning that there would be jazz playing and lecturing.Jazz photo

Since I am an English major, firm lover of intellectual lectures, and avid fan of jazz music, this event was perfect for me. I made sure to attend, and I was not disappointed. The music was incredible, and the lecture was informative.

These are some of the things that I learned about jazz music and how it can affect civic life.

Teamwork in Communities

In order for a community to function well, every member must work as a team. For example, Schoenberg and Batiste needed some other jazz artists to play with them to complete a full rhythm section and enrich the music. A student from BYU’s jazz band Synthesis played the bass, and a high school student getting ready to apply to Juilliard played the drums. Schoenberg and Batiste  invited another student they had met an hour earlier to play the piano with them when they found out he was trained in jazz piano. Schoenberg played the saxophone and Batiste played the melodica, which is like a harmonica with a keyboard. Someone would start playing something, and then all of the members of the band would join in.

It was complete improvisation, like all great jazz, and it sounded beautiful. And when someone made a mistake or there was a shift in mood or key, the others worked with mistake to create a new sound or rhythm.  That’s when the magic happened.

Batiste described mistakes in jazz as opportunities because the mistakes led the band to new and exciting territory. The people in the band needed to have done their outside work in order to play with the band, but when they came together they worked as a team and invited the audience into their world of jazz.

Individuality and Leadership in Communities

Good leaders do not seek to be the shining star in every situation. They allow their individuality to shine with the rest of the group. In jazz, if one of the members decides to play louder than the others or at a different tempo, it messes up the whole piece. Rather than shining individually, the person ruins the music.

Good leaders also know when to take the lead and when to back off. Every member in the jazz ensemble knew when to take the lead and the others followed. Some would think this would thwart individuality. However, each part could still be heard, and each part was impressive because it was distinct, but still blended well with the group.

This is a good life application. Shining as an individual does not mean that one has to beat everyone else or be better than everyone else. It means knowing when to shine alone, when to shine with other people, and when to let others shine. In good jazz, nobody demands the spotlight, and that’s why the music is so great. Everyone has the opportunity to be a great musician, and the music is amplified when they come together. When these musicians worked together, they produced a great show.

Jonathan Batiste is scheduled to perform with his band at BYU in October, so keep a look out for him. This is a concert you won’t want to miss.

For more information on the two artists and on the National Jazz Museum in Harlem, check out the following links:
http://jonathanbatiste.com/
http://www.lorenschoenberg.com/
http://www.jazzmuseuminharlem.org/index.php

Now go listen to some jazz!