current vendor 39 s record display of alternatives upon rating fig9 shows another method of the invention in which information about alternatives is transmitted after the user signals dissatisfaction with the current vendor as shown therein the user accesses the financial management system at 902 at 904 transaction and other information is generated stored or accessed for example the user while making or recording a payment or otherwise accessing the financial management system such as by using the graphical user interface depicted in fig1 and 2 may enter data into the payee portion of a check or otherwise designate a payment and may also designate a payee category once the payee name is entered buttons menus or other ui features are enabled to permit the user to provide a rating in one example once the user has entered a payee a rating icon such as thumbs up thumbs down is enabled the user can then click to rate the vendor or product in an alternate embodiment the system can prompt the user by displaying a dialog box saying u201c please rate this vendor up down u201d other indicators can be employed including numerical e g 1 10 or letter grade a f at 906 transaction information including rating information is received upon receipt of rating information the system obtains information about alternatives 908 updates databases 910 and provides to the user the information about alternatives 912 in accordance with the techniques described above thus in fig9 information about alternatives can be obtained in response to detection of a.