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.

Shipping Companies’ International Services – What Mode of Transport to Use?

There are a few freight forwarders which ship goods only within the same country. Usually, the shipping companies' international services are quite extensive. Most are able to arrange any mode of product transportation for their clients. You will certainly get the advice and assistance that you require to make a decision, but the final choice is yours. That is why it is important to know as much as possible about the available options and to be able to define your needs clearly.

The choices of transport which you can select from include road, rail, sea and air. Of course, the range of options may be limited depending on the initial location of the goods and their final destinations. For instance, if you want to use shipping companies' international services for transporting goods from New Zealand to Australia or from the US to Europe, you will have just two variants – sea and air. Taking, these limits into account, you can quickly define the criteria which you will base your choice on.

What is the nature of your product? What are the weight, size and volume of the goods? Perishable products such as fruits and vegetables require faster shipping from one country to another so that they can be effectively preserved. In this case, speed should be the leading criterion when making a choice. Most companies export large volumes of goods with reasonable weight and this is the reason why sea transport is often preferred for international shipping. This mode of transport is suitable for goods with odd shapes and sizes. On the other hand, for a small volume of goods even air transport can be cheaper.

How important are speed and safety for you? Undoubtedly, the fastest choice of transport available is air. However, it is typically the most expensive of all shipping companies' international services as well. In this case, you have to know exactly how much faster delivery will cost you and whether you can afford to pay the price.

When it comes to safety, you have to consider the risks associated with the different kinds of transport. For instance, air transport accident is much less likely than a road transport accident. However, in case of a plane crash, the risk of your goods being completely destroyed is times higher.

How much can you afford to pay for the transportation of your goods? It is best to compare the costs of each mode of transport for your particular product depending on its nature, size and volume. This will help you make the right choice between the shipping companies' international services.

What is an Art Collector?

A collector would be someone very wealthy, collecting for love or money or both. It is sometimes someone who purchases on impulse. Collectors buy art because they enjoy beauty as a part of their life style. Sometimes collectors buy art to fill a void in their life.

What makes a great art collector? Having an unlimited amount of money helps but it is not essential. Some collectors treat it as a hobby: an intellectual and emotional joy which served the additional purpose of decorating one's private home. Since the end of WWII there is a different type of collector. They pursue their own passions however with an awareness that the whole world is watching. Their collections are a matter of public record and their prized possessions are on loan to other museums and companies for the entire world to see.

There are as many types of collectors as there are collections. To the avid collector, knowledge about art is far more important than money. Collecting art desires desires, passions and emotions. It speaks of addictions, obsessions and instincts. A collector can be someone who does not have huge resources of money. It could be someone who has a minimum wage income, and goes to local thrift stores looking for baby bottles to add to his bottle and glass collection.

A collector is also someone who has the courage to buy the work of an artist early in their career; when the artist is still virtually unknown. Anyone can buy the work of a known artist if they have the money. Some collectors are in love with their collections and say good night and good morning to their favorite painting. This is probably a little sentimental and extreme; however it is this passion that creates a great collector. Collectors treat their collections and take the same measures as a museum would do to protect its art. In some cases ceramics and marble statues are bolted down to protect against earthquakes. Certain collectors have high standards when buying a work of art. A work has to be museum quality.

The artist and the collector create a partnership or sometimes a whole; two people coming together to create one organism almost like a marriage.

You Must Listen Closely to Be a Better Car Salesman

When we talk about selling cars for a living we are talking about a competitive field where not all of the participants survive. It's a bit of a dog eat dog environment. The turnover at some car dealerships can be brisk and a couple very common questions among any sales staff is how can I be a better car salesman or how can I sell more cars.

The job of the automobile sales person is a multi-faceted job and in trying to answer the question of how to be a better car salesman there is not a single, all inclusive answer. Like most jobs there are a series of different tasks performed and in order to be successful one must work at and improve all of the different aspects of the job.

Listen to Be a Better Car Salesman

When it comes to being a car salesman one of the most important aspects of the job is being able to effectively communicate with people. There are not any tricks when it comes to dealing with people, but a critical part of dealing with a potential car buyer is to listen closely. Most people believe that in order to be a better car salesman that you need to be a good talker when in fact the truth is that you need to be a good listener.

I am not simply talking about the words that come out of their mouths. You see car buyers do not always tell every detail so to be a better car salesman you need to ask questions and listen closely. It has been said by many successful sales people that if you listen close enough the customer will tell you how to sell them a car.

If you want to be a better car salesman you need to listen to every word that comes from their mouth, but you also need to listen by watching their body language. The car buyer's body language consistors of facial expressions, body movements, attention span and attentiveness. When you present a vehicle to your customer and demonstrate some of the features and the customer is looking at the next feature while you are showing them the current feature the customer is telling you that you are moving too slow or that they are not very interested.

If you were listening closely by watching them and noting that they are not interested in that feature you would move on to something that interests them. However the sales person that was not paying very close attention would drone on about the feature and before too long their customer would become bored. This is a not an example of how to be a better car salesman, but how car buyers get turned off by sales people. That customer is very likely to get bored with the entire process and before long they would ask for the salesman's business card and tell them that they will be back when they have more time.

Then that customer would kindly visit another car dealer and if they are taken care of by a salesman that is listening closely and pays attention to their words and body language they will more than likely buy a car. This is a very common scenario when it comes to the business of selling cars and if you are determined to be a better car salesman you will start to pay attention to everything that your customer says and does and tailor your presentation accordingly.