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.

Web Hosting Options for Small Business

It seems that so many times it is hard for the little guy to get a leg up in the business world. Every supplier or service that you talk to is only interested in catching the larger fish and is totally disinterested in you. When it comes to finding a web host for your website it can often times be no different sometimes. Sure they have service plans that you can cut costs with but how do you know just what you need to get by.

There are a few simple rules to follow if you are in the market for a budget web hosting plan that at the same time does not leave you empty handed on the essential services that you will be needing from time to time. If your website is less than one-hundred pages and does not have any data intensive components such as streaming videos than you can get by with the bare minimum amount of bandwidth and gigabytes of memory and that means a basic plan for about $ 5.

If you have more than one-hundred pages and or your pages are heavy laden with text and photos then you may want to take the option of shared web hosting for about $ 10 which is going to give you more bandwidth and memory. That is what you will need for the bare bones basic web hosting service if that is all that you need. You have to bear in mind though that what you are going to be doing with your website also has to be considered.

For instance; if your site is just for reference purposes that is supporting a non Internet business in your community then you can still get by with the low cost basic web hosting service. If however your business is an Internet business that changes the picture considerably. This is because, unless you are marketing a product that only you have and no one can live without, you will be in competition of untold numbers of other people on the Internet.

This then means that you are going to have to engage in some level of website promotion or SEO which stands for search engine optimization. If you do not, then every time that someone types in the keywords to look for what ever it is that your website is selling you will be the last in line with regards to prospective sellers.

SEO can be approached two different ways with regards to a prospective web hosting service. The first way is to just pay them to promote your website and do the SEO for you but it is going to cost you.

The second way is to learn about SEO and then do it yourself. If you are going to do it yourself you will need to learn what basic tools you will be needing your web hosting service to have available. SEO is not overly complex but you do have to know what you are doing or all of your best efforts can be a waste of time.

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".

What Makes a Fine Wedding Portrait?

Your wedding is bound to be one of the most memorable days in your life. Even when the privilege of having a portrait made was reserved only for the very wealthy, people often did their best to have some sort of reminder of their big day, even if it was a simple daguerreotype, sketch or miniature. Today, couples are far luckier. They can have a wedding portrait made quite easily, and even have it customized to suit their fancy.

Having a wedding portrait painted in oil is one great way to ensure that your wedding is immortalized in a medium that is more lasting than paper. It is also an excellent piece of interior decor that you will be proud to display in your living room for many years to come.

But what exactly are the ingredients for a fine wedding portrait? The answer, of course, can simply be a matter of personal taste. It often depends heavily on how the couple perceives themselves. For some people who have no-fuss, happy-go-lucky personalities, a good portrait painting can be one that shows them in a relaxed, casual pose that is imbued with a little humor.

Meanwhile, some couples would prefer a wedding portrait painting that is more classic and formal. This is a sensible option, because people do not stay twenty-five forever. The day is bound to come when you're older and more serious, and when it does, a formal portrait makes a better display piece than a casual one.

Whether you prefer a casual wedding portrait or a formal one however, a good portrait painting should tell a story about who you are as a couple as well as be a faithful likeness of you and your partner. It is always a good idea to make sure that your artist documents your clothes, jewelery and flowers. This is especially important if you're wearing family heirlooms or designer pieces. Of course, the artist should also be able to capture the looks on your faces – these expressions are priceless reflections of the pride and joy you and your partner feel at finally being committed to each other for the rest of your lives.

A fine wedding portrait painting should also tell a story. The artist can accomplish this by the composition he chooses for your picture, the lighting, the poses and even the props and backgrounds he uses in the picture.