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.

Engagement Photography Tips, Article 2

Are You Serious?

If you are — don’t be! When you go out to have your engagement photos taken by a friend, you need to have a good time. Focus solely on your fiancé and your love for them. Enjoy spending time with them! Too many people focus on the camera and get nervous and uptight: and it shows in the photos.

Hopefully your fiancé is the only person in the world that can help you forget about everything else – which would include the camera…

Do Your Homework

Planning for an engagement session will usually improve the quality of the results. Here are a few steps I would suggest you take as you begin planning:

Run Google searches for “engagement photography” and “engagement photos.” Look for images that you think you and fiancé could imitate. Print off about 20 of your favorite images. Go over them with your fiancé and narrow the list down to the ones that both of you really like and think will be possible. Then, show those to your friend who will be taking your pictures. Whittle the samples down even further based upon their thoughts and feedback. Try to end up with 5 or 10 sample images that everyone is excited about.

Look closely at those sample photos to see what types of location are being used and what the lighting looks like. A lot of engagement photos are taken in either a park or city location. I would suggest driving around and scouting possible photo locations for the session. But don’t just do a “drive-by scouting”! Get out of your car with your camera and take actual photos inside each park of the locations you think would work best. Compare your snapshots with the sample photos you printed off.

You can also do internet research by looking at the web sites of local wedding photographers. While your previous search for engagement photography would have returned nation-wide results, the goal of this research is to see where the local wedding pros are shooting their engagement sessions. You’ll likely recognize some of the parks and buildings that they are working in and near.

Lots of Photos

Hopefully your friend will be using a digital camera. That way they can take lots of images without worry about film expense. Sometimes the difference between an average photo and a great photo is simply changing the angle and perspective of the camera!

This point was really driven home to me with some recent engagement photo sessions I have done. I am in the process of creating an eBook to help couples take top-notch engagement photos. I had another photographer help me out with several engagement sessions. Together, we shot about 600 photos during each two-hour engagement session. During the session, I would often setup and take photos of the couple. While I was doing so my assistant would be moving around and photographing the same scene at different angles. Afterwards, I would look at the photos I took and also some of the side-angles my assistant shot at those same times–and there is often a night and day difference between the two. The couple didn’t move or change their pose; the only difference was the angle at which the image was taken!

So, once you have found a good location for your photo session and you and your fiancé are in position — let your photographer snap away! Don’t limit the shots they’re taking!

And again: have fun with the session. Smile a ton. Laugh a lot. Make the photo session a special memory that you and your fiancé will share for a lifetime.

The Basics Of Stock Market Investing

Investing money on businesses and other fields that will allow you to gain good amounts of profit is a really good idea if you want to become financially stable and independent in the near future. Aside from building your own business, you can also give investing on stocks a shot. Now, this may sound scary at first glance but once you get the rewards of your efforts, you will certainly be drawn in. If you are an absolute newbie in this field, you can try to have a look at different sites on the web such as Stock Market Investing Today that will teach you the basics. To give you a good jumpstart, I will be discussing some of the most important basics of investing in stocks in this article.

Stock market investing involves the concept of share or stock. When you purchase stocks, you will be getting a share or quantum of ownership in a company. This is the most basic idea. To be able to raise a capital, a company needs to have itself listed in the stock market after it gets to sell ownership in the form of different small shares that amount to millions. When you purchase a stock, you immediately become a share holder of the company, who in turn owns a share in that company. Shares of a company are sold in the primary market in the form of IPO or Initial Public Offering. Once these shares are bought, they can be sold in the secondary market, which is referred to as the stock exchange, later on.

Now, the big question is "How do you make money from investing on stocks?" You earn from this endeavor by purchasing a share at a low price and keeping it under your wing until its value increases in the secondary market. When this happens, you can then sell it base on its current value. In other words, you need to buy something cheap and sell it as high of a price as possible. The next thing you need to know about is choosing the right stocks to purchase. When you take a look at the different stocks available in the market, you need to choose ones that have a huge potential to grow in terms of value later on. Choosing the right stocks is the most important factor that will help you with investing. That's all there is to it.

Education Based Marketing

We are a society of information junkies. We thirst for information every single day. When we consider our own buying habits, where do we go? If it is a big item we might go to Consumer Reports or search for information online. We will certainly go to Google or Yahoo and search for whatever it is we want.

One of the very best examples of "Education Based Marketing" is seen at http://www.askthebuilder.com . That web site is packed full of information on the how to's of home improvement. People gravitate to vendors who supply the greatest amount of information.

A Simple Example:

If we were going to buy a pizza and we were standing right in front of two identical pizzerias, side by side, and one of them had a big sign in the window that read: "FREE Pizza Recipe Book," which one we would walk into first? We would probably all be interested in what ingredients are in the pizza and how the pizza is made.

What comes into play here? First of all we probably would never see two pizzerias side by side and we will more than likely NEVER see a pizzeria owner "divulge any secrets." The fact is, not very many people are going to ever try and make a pizza at home and it will certainly never taste the same as it does when you buy if from your favorite pizza vendor. The pizza vendor could have a business card with his web site address taped to the box with instructions on how to claim your free "Pizza Recipe Ebook." Of course there are "More Coupons" inside the ebook.

Many restaurant owners do not have much time to spend online. If the owner just had a printed recipe every week, (with his next week's coupon on the other side) he would create a customer loyalty and a following. All of his customers would look forward to the next recipe and would have to come into the restaurant to get it.

Most of us that have an e-mail address have bought something online or subscribed to an e-mail invitation for "specials" that the vendor offers. When we get their e-mail, all it includes is the items that they are selling and often times it is quickly deleted. If we were to buy something from the local craft store and they asked for our e-mail address and said: "We will be happy to send you the free" how to project of the month, "along with some coupons. up? Most likely we would if we had an interest in crafts. Of course that e-mail is going to include the "Special of the Month!" We might just head right back to the craft store to grab the new set of paint brushes that are on sale.

Yes, we are playing in the digital age. That brings up the power of educational ebook marketing. Ebooks are being made all the time and distributed freely all over the Internet. Along with the free information is an opportunity to purchase the vendor's products or services. Ebooks are easy to make or easy to have made for you. A simple example of ebook marketing is seen at: http://www.investigate.net The vendor gives away a free ebook that is useful for locating unclaimed funds held by the states. In it, there is an opportunity to buy unlimited access to public databases. Someone who uses the ebook can access it over and over without ever buying a thing. However, if that customer ever needs to find someone or find some secret public record, where are they going to go?

The salesman or woman who sells to business owners can be a welcome sight if he or she always shows up armed with some written information or "little known secret" about that particular owner's business or industry. That information is always given freely without any expectation of a sale resulting from it. In addition, if the salesman or woman took the time to send a one page piece of mail to all of his customers every month with the "Idea of ​​the Month" on how to increase sales, (along with a business card) who do you think the business owner would want to buy from?

The mission is simple. Educate your customer every chance you get. Provide the most valuable information you can to your customers. Continue to educate your customer the best way you know how and you will develop a customer loyalty that is worth its weight in gold.