Personal Budgeting: An Imperative

Budgeting is a basic part of accountancy.

Nations, states, cities, towns and every incorporated company have budgets. Every private company, or other commercial entity, worth its salt has a formal budget. So why is it that the vast majority of people do not use a formal budget in their private lives? They do budget of course. We all do in one way or another. But very, very few people have a good enough memory to successfully budget informally – that is, without writing it down. And it's when we forget to allow for some expense that we get into trouble. We get into debt. Is not that just about the worst feeling in the world – to be in unplanned debt?

To be poor is a sad experience – it's a state of mind. To be broke is an uncomfortable experience – but it's a temporary condition. To be in unplanned debt can be gut wrenching. And generally speaking, unplanned debt is just plain carelessness.

Why then does it happen? Simply because in the days before computers and calculators budgeting was a boring and time-consuming task. There was an awful lot of adding up to do and the darned thing had to be continuously adjusted as time went by, usually every month at least. So it was not surprising that most people just did not bother and as the generations passed by, so did the practice of ordinary people not preparing budgets for their personal finances. They just did not think that the value derived from maintaining a personal budget was worth the time consumed.

So what's changed? One very important factor: personal computers – they've just made it so easy that if you do not budget, you're making life unnecessarily difficult for yourself. It is now well and truly worth the very small investment of time to input a few lines of data every week. Because from that the computer can give you more financial reports than one person is ever likely to need. It will produce reports on tax payments; about what you've sent; about where you've spent it, about what you've spent it on and it will do that for any given period of your choosing. It'll find transactions that you've forgotten about but that suddenly you really need to know about. It will tell you how much money you will have in the bank next Christmas (or what you've got to stop spending money on so that you will have the amount of money you need in the bank next Christmas.)

The really big thing is that you will be in charge of your finances. It makes it so easy to explain to your dependents – be it spouse, partner or children; just exactly what the household can afford to spend, on what and when. Ninety-five percent of the arguments about money will go out the window because people will be able to see clearly what can and can not be done. If we buy you that cell phone, we will not be able to buy that game. You get the idea.

What software is best? Well there's no shortage of it. It's not expensive. The best is less than a hundred dollars and you'll save that in no time flat. Check out the choices available, and choose the one which best suits your personal needs. It will be well worth whatever you decide to invest in it. And it will most definitely save you lots of headaches and heartaches in the long run, if used properly.

Video Professor

Video Professor Review

Whether you are trying to learn how to work with popular word processing programs, or navigate the difficult paths towards selling items on eBay, video professor is there to teach you everything you need to know about computer applications and the internet. With over fifty tutorials available on an easy to view disc, it is easy to learn everything that you need to know.

Never again will you be accused of being non-computer friendly, or be behind the times with the applications you are expected to use in the office on a daily basis. You can learn at your own pace, on your own schedule – about programs that you want to learn about. Whether you are trying to learn a program without any background knowledge, or just brush-up on the techniques of the program – these tutorials are suited for beginners to those with novice experience.

With interactive lessons, many find themselves learning sooner than they have with other programs – which they spent hundreds of dollars, and hours upon hours of study on. Now, the courses are available on the internet, so even those with the most basic of internet skill are able to learn with ease, on their own schedule, through the use of the convenient internet applications that demonstrate examples and teach lessons as each tutorial evolves.

How do you know these lessons are right for you? An hour is the average length of the video professor tutorials, and people are always shocked at how much they were able to learn within one short hour. Although many of the lessons go over an hour, the information presented is organized in such a fashion that it teaches as much as possible in the shortest period of time. Each lesson has been fine-tuned to be as effective as possible, and can be watched again and again to brush up on the skills learned within the interactive tutorial. Even one of the most difficult programs to master, Microsoft Excel, sees success when students are taught by video professor.

Programs difficult to master, like Photoshop could cost up to five hundred dollars to learn in a classroom environment. Considering, that lessons can be obtained for a percentage of that price, why wouldn’t you want to try that out? Whether you are an aspiring photographer or an amateur trying to brush up your photo retouching skills – video professor is for everyone! With detailed tutorials, learning tools and interactive features that debunk the myths of the internet, it is possible to learn any program within the program!

There are many benefits to taking these tutorials on the internet. Not only can you take them when you have the time, but you can get the same information that is taught in many college classrooms throughout the country, for a fraction of the price.

Video professor is so sure about their services that they offer a free tutorial to new customers, to gauge how much can be learned from only one session of video professor. These samples are well-placed and should be tried before you choose which program you are going to learn about next. Get a free trial of the Video Professor [http://couponredeemer.com/videoprofessor] program with our coupon plan.

Free Advertising Ideas For Online Business

In today's economy it is important for every small business to utilize as many free advertising services as they can get their hands on. These ideas should make the advertising process a little easier.

Host a Contest or Event

This will open up new avenues for free advertising. There are many websites out there dedicated to informing people about contests and events that its members might be interested in. Charge a small entry fee to cover the cost of the prizes and you will get traffic from a group of people who might not otherwise find you.

Local Free Advertising

Call up a local newspaper to do a human interest story or business story for your company. Also, submit your own articles to local papers and magazines for consideration. This method of free advertising works best for non-metropolitan areas but it never hurts to try. The worst thing a person can tell you is no!

Search Engine Optimization (SEO)

Learning SEO techniques is one of the best free advertising techniques. A few tips include using only a couple keyword terms per page, maintaining a .5% -5% keyword density rate, utilizing your meta tags and image tags, creating and submitting XML sitemaps, as well as using keywords in your URL.

Personal Touches

Adding personal touches to your business is a great way to get repeat clientele or a good way to close a sale. Send personalized emails, newsletters about not only your services but also your family or friends, insert gifts with every purchase or even jot a quick thank you note and mail it to tell your customer that they really matter to you.

Free Article Submission

Submitting SEO rich articles to article submission sites can be a great way to advertise your website or services. Do not, however, submit the same articles that are on your website. Search engines penalize duplicate content. Instead you should rewrite a few of your articles first.

Link Building

The more inbound, one-way links your website has the higher it will rank in search engines. These inbound links work best if the websites linking to you are relevant to your main focus. These links are the only ones that search giant Google recognizes. To build links you can post blogs or guest blog for someone, submit articles and press releases for syndication, email webmasters, post in forums and comment on blogs. Remember that these links are not only for the search engines, they can also drive legitimate traffic.

Free Classified Advertising

Submitting a well worded link into a free classified can return decent traffic. Describe your website in an intriguing way and curious people will click your link.

Social Networking

Websites like MySpace and Facebook can be great sites to advertise through. You can build a website just for your business and advertise directly to your "friends". My personal technique for acquiring friends involves seeking out groups with an interest in my topic and requesting friend adds from those members. If you only request 20 -40 friends a day you will not likely be marked as spam. The key to getting friends is to type up a seemingly personal message without any links;

"Hi, I noticed you are a chef. My website is running a recipe contest. You should check it out!"

I've found that notes like this in a friend request results in about 1 of every 3 people I approach adding me as a friend. Once your friend list is established you can blog, email or post announcements about your business.

Social Bookmarking

A new trend in online advertising involves social bookmarking sites like Digg and StumbleUpon. See www.AddThis.com for your own social bookmarking button. It is now (practically) mandatory for all websites to allow for social bookmarking. If you have viral content on your website it can really pay off.

Viral Videos

Diet coke and mentos, exploding bathtubs, and bikes playing Guitar hero videos made for close to nothing. If you have a video camera it is worth a shot to try to post a viral video on YouTube. Of course this is no easy task. It is impossible to tell what will become viral. Other video options involve posting information relevant to your site. You can make a simple slideshow with music and text with Microsoft MovieMaker. Place a link to your site on your videos and in your profile. Over time you should reap results.

Free Alternate Directory Submissions

There are many online directories aimed at specific interests. These directories look to help consumers find the best websites and information available. To find these directories simply search a relevant term and "directory".

How to Know If a Woman’s Attracted: The 5 Signals

Maybe she’s that waitress at the local cafĂ©. Or maybe she’s a coworker or classmate or even the friend you’ve always secretly had a crush on. Regardless who she is, if you like her, then you want to know if the feeling’s mutual.

Lucky for you, all women give off signals when they’re attracted. Most guys never pick up on these signals. If you don’t know what you’re looking for, you could easily overlook these secret signals, as well. And you probably already have. You have probably let countless women slip through your fingers in the past because you failed to see the signals.

But you’re never going to make that mistake again. By learning the 5 most common-but least understood-signals of female attraction, you are prepared to get the girl. Just look for 1 of these 5 signals, and then make your move. It’s as simple as that!

1.) She says your name a lot in conversation

If you find a woman saying your name in conversation, there’s a good possibility she has feelings for you. When someone has feelings for another person, the sound of that person’s name gives them a little emotional rush. (Just think of children in the schoolyard writing their crush’s name in their notebooks!) While adults don’t skip around the playground and chant their crush’s name, they do unconsciously say it whenever they can. So if she says your name a lot, there’s a good chance she’s attracted to you.

2.) She fidgets with her hair

When a woman plays with her hair, it often means she’s turned on. It’s a grooming reflex: primate females groom themselves for males before mating. (If you want proof, just go to your local zoo!) Thus, if you catch a woman stroking her hair as she talks to you, it means you’re probably arousing her interests.

3.) She breaks eye contact first

Poets say the eyes are the windows to the soul. Well, her eyes are also a window into her feelings. It’s a well known fact that eye contact signifies confidence. And confidence is nothing more than comfort in one’s status. So, for example, if you were training some new entry level employees at your job, then you’d probably feel very confident in holding strong eye with all of them. If, however, you were having a business with your boss’ boss, then you probably wouldn’t feel as comfortable maintaining strong eye contact (since your boss’ boss has higher status). Likewise, if you notice a woman continually breaking eye contact first, she’s probably nervous with attraction for you.

4.) She gets carried away with emotion sometimes around you

A major misconception most guys have of women is that they need to “like” you to feel attraction. Just think of all the bad boys who do amazing with women! Now, you don’t need to become a “bad boy” just to attract women; however, you shouldn’t be discouraged is a woman isn’t always in a peachy mood around you. In fact, it’s better if she’s not! A woman would never waste her emotions on a guy she didn’t like. So if she sometimes gets frustrated with you or even angry at you, it’s a good thing.

5.) She speaks in the future tense about you

Here’s a very subtle-but very powerful-attraction signal that women give off. If a woman’s interested in you, she’ll make comments about seeing you in the future. It’s important to note that none of these signals will be overt; instead, they’ll be little offhanded comments like, “Are you going to x, y, z event next week?” If a woman is asking such questions, it’s a telltale sign that you’re on her mind.