First off lets get one thing perfectly clear I have NEVER claimed to be the ONLY person here HELPING, how absurd. I volunteer on numerous wonderful support/help forums with a multitude of absolutely wonderful knowledgeable people this one included. I never advise anyone to do or use something that I would not use myself and that will NOT change. And any time I see one recommended that I know has some problem I WILL with out doubt provide that info so that any person considering it will have full info to make an informed decision on that program themselves, with full knowledge. And I appreciate it when someone who knows something negative about a programs speaks up and provides that info, it is how we learn. IObit has been found guilty of several thefts of program material over the years this theft of malwarebytes is just one more. NOT the kind of people I want to entrust ANY ones pc to. Try reading the info provided about IOBit. I never mentioned you anywhere in my post, I simply referred to the program,(which I would have done no matter who posted about it, and have done in the past) no idea why on Earth you felt the need to slam me, but I am not the only one here you have done it to, it really does not surprise me. Done

Avery has lots of templates. Their labels are easy to find and easy to use. You can use the templates in MS Word - or they have an online designer that is a snap to use. Here is a link that might be useful: Avery online Print and Design - FREE!

Quicken has a wide range of budget and spending analysis tools built in. There's nothing easier or better that I know of. Do you already have your financial accounts set for auto downloading? Bank accounts, charge accounts, investment accounts, etc.? Do you update at least several times per month and promptly review the transactions to correct categorization? You should, you should and you should, and with that, you'd have a budget set up and ready to work with in less than 30 minutes. A budget to spending analysis has two inputs - your budget by category and then actual amounts. If you're using Quicken correctly (and there are plenty of shortcuts to take, it's not like you need to track every penny), with their choices of tools for setting up budgeting, almost all the work is done for you. Keeping my records current and reviewing activity takes me 10 minutes a week or less, although my situation isn't very difficult. If you don't want to use the built in budgeting features, then do a simple budget with pencil and paper and use Quicken's monthly spending reports by category to compare actuals to your budget. For PC based software, do you remember Microsoft Money? How about Managing Your Money? Both of these, and a number of others, came and went because consumers found Quicken to be a superior product. As with most other categories, I'm sure there are some open source programs available, but for as cheap and as good as Quicken is, i wouldn't waste your time. The link below (found by Googling) is a video from the Quicken site that explains how to set up a budget. Post back if you have questions I might be able to answer. I'm not a power user by any means, and in fact i don't use the budgeting feature (because I don't want or need to), but I've used the program for 5 or so years and can find my way though it pretty easily. Note, there is also a pretty active user forum (which I also don't use) where questions can be answered. When the need arises, I've found Quicken's call up tech support is very good. . Here is a link that might be useful: Video- setting up a Quicken budget

Oh, I found the BBC Spanish series, Mi Vida Loca: http://www.bbc.co.uk/languages/spanish/mividaloca/ And the French one: http://www.bbc.co.uk/languages/french/mafrance/ which isn't as interesting as the spanish one, just a bunch of videos for practice with tourist French, but they do have dictées and games for grammar. They also have German and Italian but I don't know anything about those. ETA If you have audible.com they have a few French recordings, including a series of mystery stories designed for learning French, but I didn't care for those. librivox has a whole French section and some of the readers are very good, especially the Belgian woman who reads Bruges-la-Morte., although that's a pretty esoteric title if you aren't super interested in Bruges or turn of the last century decadent literature. I mention her because she reads lots of other titles, too, and I can't remember her name.