Within minutes, Mint has pulled the most recent 132 transaction from four credit cards, a checking account, and paypal. They support hundreds of different accounts, from banking checking and savings, credit cards, macys and other store cards, as well as investment accounts. In the near future, they will support student loan accounts as well!

Yes, this is scary, but Mint claims they can keep you safe by not storing your banking login information themselves:

We ask for your online banking user name and passwords, but we do not see or store that information. That means no one at Mint, and no potential hackers of Mint.com, can access your banking credentials. Your online banking credentials are stored only with these institutions enabling Mint to automatically and securely update your transactions and saving you from updating, syncing or uploading financial information manually. All communication between Mint and its online financial service providers is encrypted using 128–bit SSL encryption, the financial industry standard for data protection.

The next step is to classify and review your transactions. Mint lets you put them in buckets–and naturally it will get a few wrong to start with–but you can set up rules to classify new transactions how you like. For example, I set one that sets any cheques with the amount of my rent to go into the rent bucket:

By doing this, you let them do some analysis on your spending or earning trends. Note, the trends feature appears to update daily, not in real time, so if you classify a bunch of transactions, it won’t update the trends page with your new categorization for some time. This is unfortunate, but probably necessary. This lets them make, say, a graph of your spending v.s. the average NY spender:

I guess I need to spend more money at Amazon and Best Buy to fit in these days. Lastly, there is their “ways to save” page, which is basically targeted affiliate ads with various banks. This is their revenue stream–getting you to sign up for new credit cards and open new accounts–so don’t trust anything it says:

The verdict? I love it, and I think it’s only going to get better. This is the new world, and services like Mint can make our lives infinitely easier! Please share your opinions about Mint.com, if you’ve ever experienced fraud after signing up, etc, below.

Update: There are some good reviews out there, too. PC Magazine says “Mint.com is a useful, intelligent, and free financial Web service that’s simple to set up and tracks your monetary life with little intervention on your part,” while Viewpoints has a single review which calls it “One of the best free money trackers on the Internet” and Girls Just Wanna Have Funds praises it for costing $50 less than MS Money.

Does it really work? Check out this chart:

The answer is simply yes–it improved CPM on my blog network by 21%. If you discount revenue from other blogs, this one went from 1.51 CPM to 2.51 CPM, an increase of 66% just due to using Yieldbuild. Now that I have a fulltime job, I don’t have time to bang out optimized advertising solutions. If you’re like this, why not let Yieldbuild do it for you?

Note that visual studio actually has 8 versions…

This is in comparison to OSX, which comes in one version, and linux which comes in hundreds of versions but is at least free. Perhaps their next os, vienna, will come in a single edition at a single global price, but that’s probably too much to hope for.

Try searching for name, Elliott Back on Yahoo and you get absolutely nothing:

I tried adding my feed to Yahoo Site Explorer but it’s been 50 minutes and it hasn’t been indexed yet. I’m going to contact Webmaster Support and see what comes. My suspicion is that this is a side-effect from the rapid adoption by others of WP Autoblog, which links back to me, one of the reasons I stopped distributing it.

Update: I submitted my feed at 05/17/2007 14:18:01 and it was processed on 05/17/2007 14:26:18. Apparently it took a long time to get reported as processed, but the processing itself happened within 10 minutes.

Update 2: Well so far nothing. If any Yahoo people stop by, drop me a note or give me a call and we can get this sorted out.

Update 3: I emailed a friendly Yahoo employee who might be able to help, and also signed up for their paid search inclusion, “search submit basic,” which hopefully can nudge the site back into the index. Although, I don’t feel right paying for being indexed, it feels too black hat.

Update 4: I got the following email back from Yahoo:

Hello,

Thank you for writing to Yahoo! Search.

It has been determined that your site may not comply with Yahoo!’s Content Quality Guidelines located at: help.yahoo.com/help/us/ysearch/deletions/deletions-05.html

Below are some answers to common questions regarding this issue:

Q: What are some of the common reasons that a site may violate Yahoo!’s Content Policy Guidelines?

A: Yahoo!’s Content Quality Guidelines (link above) outline what we are and are not looking for in pages that we index. Listed below are some of the more common reasons that a site may violate these guidelines:

- Cloaking (showing crawlers deceptive content about a site)
- Massive domain interlinking- Use of affiliate programs without the addition of substantial unique content
- Use of reciprocal link programs (aka “link farms”)
- Hidden text
- Excessive keyword repetition

Q: If my site has a judgment against it, can I use the SiteMatch inclusion program?

A: All pages submitted to SiteMatch are editorially reviewed. If a site has a judgment against it, it is likely to be rejected by the SiteMatch program.

Q: If my site has a judgment against it, can I use the Yahoo! Express directory inclusion program?

A: Yes, the Yahoo! Directory and Yahoo! Search Index are different systems. Inclusion or exclusion from one does not affect the other.

Q: How can I have my site re-reviewed?

A: Please review our content quality guidelines to make sure that your site meets all of them. When you feel the site is ready, please complete the form located at: add.yahoo.com/fast/help/us/ysearch/cgi_rereview requesting a re-review of your site. You may wish to include an explanation of unique features on your site, or details of changes to your site’s content that may assist our editors in their evaluation.

Please allow several weeks for the review process, YST indexing, and a complete refresh of the database before checking search.yahoo.com to see if your site is listed in the Yahoo!Search Index. We do not offer specifics detailing how an individual site is not in compliance with our guidelines, but we will review your site individually. You will not be
receiving further notification regarding your request for a second review, and we are not able to offer the option of another review.

Thank you for taking the time to make the Yahoo! Search Index better.
Thank you again for contacting Yahoo! Customer Care.

Regards,
Evan

Yahoo! Customer Care
www.yahoo.com/

Uh, this email contains no information that could help me understand why I’m banned from Yahoo, or how to correct that ban. Thanks for the … wasted bits in cyberspace!