I agree with you. But only if you are a motivated person. It saddened me when I had to give up on them by founding out that they (most people, even the close ones) are not motivated due to fear, laziness, and disbelief in own powers and possibilities of improvement.
> And I remember the quote from the "Rich Dad, Poor Dad" author: "I'm a bestselling author, not best writing author".
"The Rich Dad, Poor Dad" targeted a huge generic market vs nich tech market for "Javascript" (very tough market). Your book will also be competing with Video tutors like:
Billguard uses Yodlee as a backend, so at the very least I do trust that Billguard only has read-only access. I'm less certain how Yodlee functions -- whether they just scrape data and have full access, or whether they get some sort of read-only token from the financial institution.
I am not familiar with Yodlee, but I recently discovered that many banks support OFX [1], which is a format for exchanging financial information.
GnuCash has a list of OFX credentials for major banks. [2] In fact, there are tons of OFX open source libraries out there - I had luck with this one recently in Python. [3]
Thanks for the references. After some research, I decided to go with YNAB http://www.youneedabudget.com/ it has a desktop and mobile apps and uses your dropbox for syncing data.
BillGuard indeed has only access to data in a read-only fashion. Yodlee does have a mix of web scrappers as well as data feeds for certain financial institutions. They power different features for banks such as bill payment and others but companies like BillGuard don't have access to these APIs.
