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Informs about personal-finance software which supports on-line banking features. Reasons to use such an on-line banking service; Major banks with personal computer (PC) links including Bank of America, NationsBank and Wells Fargo; Financial software used including Managing Your Money, Microsoft Money, Prodigy and Quicken; Contact points for software and services.

Discusses why the author, a math teacher with a second job as a travel agent, uses the TurboTax Head Start program, the `early bird' edition of TurboTax, for tax preparation. How he can pay as little as possible on fourth-quarter estimated taxes without incurring a penalty; Other tax preparers using TurboTax all year; Guide to tax software, including Kiplinger's Tax-Cut, Simply Tax, and Personal Tax Edge.