Why we must manage our budget ?

why needs to follow-up
and measure future expenses.
Life are very dynamic and it’s easy for us to buy without need of controlling our self.
but can we afford spending money without control ?

Why we needs to manage our home budget ?
i have no doubt that it’s more easy to give our children everything  they request. but we must ask ourselves, can we afford to spend money for that purpose? We have to examine once a month what is our balance in the bank and see if it is ok to buy it or wait till we see that its ok to buy.
so if we accumulating data once a week or at least once per month about our expenses we can see exactly where the money goes. and where we can make an effort and cut the expense such as electricity, telephone, Property tax.
the best is to examine our bank account balance once a week and make the necessary adjustments before we go for shopping.
And so at the end we will have monthly accumulative about 30 movements to the family that they about 7 Movements per week
Registering 7 to 10 movements in the computer does not take  more than 15 minutes per week.
Once a month we will take an hour to finish registering the remainder of the accounts In the computer of all the monthly movements.
The fluent registering in the computer over time will give us picture and ability to receive
Decisions and courses according to real data
How manage the budget?
Previous must collect an information
Advisable of course to register all expense in the notepad forthwith with her formation
Or to collect receipts and break to the concentrated place and once a week to pass one
One and to register the expenses in the computer
The expenses in the computer opposite data from different sources Such as : The reports of the bank, my report of credit cards, and break or different receipts
How much time needs to invest in the management of accounts?
In my opinion half hour per week to the average family should be enough

 Online Bank Accounts

One great thing about the Internet is that there are many financial things that can be done that make life easier for anyone who might choose to use them. Internet banking is one of my favorites, though it does make me a little uneasy about security. Banking is now easier than ever! Who would have thought that just ten years online bank accounts were just starting to be offered by many financial institutions across the country and the world?

Online bank accounts have simplified the checkbook reconciliation process immensely, making it easy and convenient to view checking and savings accounts, transfer money between accounts, open new accounts, set up automatic bill pay, and more! It is possible to make investments, buy certificates of deposit, wire money, apply for auto loans, personal loans, and mortgages; all transactions that are available at traditional financial institutions. Why would you ever want to go back to waiting until the end of the month for your statement to come in the mail, or call a phone number at your bank to see what checks and deposits have cleared? Now let’s continue . . .

Many traditional financial institutions offer online bank accounts to their customers as a convenient way to do their banking online. But for the purpose of this specific discussion, online bank accounts can only be set up online, and therefore are only available online. When looking for reputable companies that offer online bank accounts, be sure to do your homework. There are many companies that offer less than secure services leaving your accounts vulnerable to hackers, who can empty your accounts and have your funds in their hands in a matter of moments. Now on to finding a reputable online bank account. Since you will not be banking in the traditional manner, it costs less for banks to do business in this way, and they pass the savings on to you by not charging excessive fees, and by paying you higher interest rates on your hard earned cash. Make sure the bank you choose to do business with is FDIC insured, just as you would a traditional bank, so make sure your funds are safe.

The keyword to setting up online bank accounts is ‘convenience’, as well as ease of transferring money to a number of linked accounts, security and insurance of deposited funds, and accessibility. Most important, do your research. Watch out for scams, compare rates of interest paid, fees if any, and reputability of company offering online bank accounts. There are several online sites dedicated to educating the consumer to assist in choosing the best provider of online bank accounts. Don’t feel that you have to be confined to the sometimes rigid structure of traditional banking institutions. Do your homework and you will be glad you did.

Discount Vacations

My friend Ryan is famous for his discount vacations. He is practically the king of last minute vacations. Sometimes it will be something classy like a cruise, other times it will be a stay in a hovel-like hotel in Mexico.

Either way, he seems happy. The amazing thing about it is that he can afford vacations at all. Ryan has always struck me as someone who lives above his means. He makes a decent living as a teacher, but it is nothing to write home about. Nonetheless, some of his discount vacation trips are pretty impressive. He took a cruise up to Alaska one year, and another year he stayed in a castle in Scotland. He is gone several times a year, and for the life of me I can’t figure out how he manages it.

I finally was overcome with curiosity, and I asked him about his discount vacations. He smiled at me, and said that his secret was smarts. When I wasn’t satisfied with this vague, infuriating answer, he finally leveled with me. He didn’t do anything unusual, he just made finding discount vacation packages his hobbies. If you look at enough places, you can always find an extremely affordable last minute trip one way or another. It is just a matter of keeping an eye out.

When I begged and pleaded, he finally showed me his method for finding discount vacations. I was a little bit surprised by a lot of it. I had figured that it would mostly involve Internet vacation deals, but that only accounted for about half of his trips. He actually spent a lot of time dealing with legitimate vacation travel planners. He had several contacts in the travel industry, and all of them knew to call him when something special came along. He was known for being willing to take vacations anywhere. His only priority was that they were inexpensive and exotic.

Surprisingly, this made him a good client for several of his business contacts. Travel agents are always looking for ways to sell discount vacations. They get big kickbacks, you see, from the tourist industry in regions of decreasing popularity. If they can get people to come to an area that depends on tourism, but that has recently fallen out of favor for one reason or another, they can make a lot of money. Although Ryan’s discount vacation trips were never very expensive, combined they accounted for a lot of cash flow. This is why the travel agents were always willing to set up discount vacations for him. The best tip i can say about discount vacations is –  if you are free to choose the time for vacations try to travel in the low seasons, it is much chipper, not too crowded, you can save sometimes 50% off the high season. here are some links to good place to search for hotels around the world in good deals so have a nice and cheep vacations.

Establishing a successful Internet business

The first thing you needs to agree that there is more than just luck to succeed, and a lot depends on doing what needs to be done, not just what is convenient,
At the beginning it is very possible to do a lot of mistakes and you will not see impressive results, so it is very important to stick until you achieve the critical mass that means break threw.
It should be noted that it is better to be on the move and offer things to your market even if they are not perfect, and fix and improve all along the way, otherwise there is a danger hanging on the fringe of aesthetics things instead of focusing on the main issue.
Finally, the most important point is marketing, at least a third of each day should be devoted to marketing and other one-third for sale and the rest for the product management.
Click For more tips required to establish a successful Internet business

Bank Account Online
I love to visit my local bank. It is a small, friendly establishment that has been our family’s bank for generations. Many of the people who work there have known me since I was a child. I enjoy the individual attention that only a small bank can provide. However, I also like the idea of accessing my bank account online. This was not possible with my local bank for some time.

When one of my favorite tellers told me that they are going to expand the little business to include Internet services, I was thrilled. It takes me about twenty minutes to get to my bank from our home, so I find it difficult to get out there on a regular basis. We were about to transfer our accounts to another location, but now that I can access the bank account online, there is no need to make any drastic changes.

It is a bit of a surprise that such a small bank like mine could make the high tech jump to the Internet but I am thrilled that it was able to do this. Having access to your bank account online is almost a necessity these days. I like to check my balance often and I like to use online features like Paypal. Even though I can have funds transferred to my account, I like to know that I can access my bank account online to keep things in order.

I was never a very organized person and being able to manage my funds from home is a great way to help me keep track of my money. With the convenience of debit cards, I find that much of my money literally disappears. It is easy to make withdrawals and purchases without writing them down. This can wreak havoc on your records. Having access to the bank account online provides the peace of mind of knowing that you are up-to-date in your records.

Visiting your bank account online every two or three days is good practice. It helps you stay on track and it prevents you from forgetting important withdrawals and purchases that may not make it to your ledger. If two people are using the same account, it is a good idea to get together and go over you bank account online.

Online banking is a brilliant idea that helps disorganized people stay on top of their banking activity. It also saves customers time and money since we don’t have to travel to do our banking on a regular basis. I still like to visit my local bank in person, but I do this more for social interaction than for actual banking.

A Successful Entrepreneur

VoIP Helps Cuts Phone Bills 

Have we ever realized, how much will be benefited by VOIP technology? Personally I am very thankful to VOIP, as I have family all around the world, and I can talk to them more then an hour or more per week, without costing so much. Simply we need computer, sound card, speakers and microphone.some services gives free phone calls to 70 destinations around the world. including some mobile.  but most are landlines. and other destinations at a very low cost compare to what was 5 years ago. overseas calls are now cheaper then local calls in some places in the world.

What is VOIP anyway?
VOIP is a technology that allows us to make phone calls over a
broadband Internet connection as opposed to traditional analog phone
lines. In simple terms it makes our computer or laptop as telephone.
the call using the internet connection to make many calls without taking
much of the bandwidth. This is the basic reason why VOIP is cheaper then conventional calling plans. also because of the competition.
There are different types of VOIP calling some of them are mentioned below.
as i said we can use the pc speakers and microphone but some people
prefers using their phone. they can use ATA (Analog Telephone Adaptor) this adaptor enables us to make use of standard telephone for VOIP options, it actually allows to connect phone that is already at our home to our computer internet connection. ATA converts analog signal to digital signal, that can be easily transmitted through internet.
The next type of calling is through IP phones; they look just like our normal phones with same buttons. This only difference is they replace old style wall jack connector with Ethernet connectors, so it gets plugged directly into the router. The most common type of calling is from computer-to-computer. This is the simplest and cheapest way to use VOIP. These calls are entirely free, the only thing you need is software that you can download from Internet, a broadband or DSL connection, microphone, speaker and sound card. The latest technology that is emerging in the market and gaining
popularity is Wi-Fi phones. This hybrid-Phone let people make connections using a local wireless Internet access point seamlessly switch over to a cell network whenever necessary. Some providers allow us to have more then one phone number in
different area codes, this means we get extra numbers that rings the same phone. These numbers are known as Virtual Phone Numbers. One advantage here is these numbers are local number to any area code. here we will be saving money. How? Suppose you go to some other city where you have many friends and family then they can call you on a local number, instead of paying for long distance charges to
contact us. There are many providers in the market with their own strength. As the
technology is growing fast and incredible amount of work is dedicated to VOIP, some of the disadvantages that are associated with VoIP are going to resolve within next few years, it is expected that after some time VOIP  will have widespread consumer acceptance. lately in VOIP we confront many names like VoipBuster, FreeCall ,VoipBuster ,VoipCheap ,jajah,VoipDiscount ,VoipStunt and skype we all love free stuff. so what is the difference between them or how to select one.
i think the way to choose  is to see what is your most used calls destinations. because the difference is the rates to different destinations. if you see that your destinations are free it is the best. let say that the VOIP companies service is not good on most of them so be prepared. if something goes wrong you have no one to solve your problem. but as it is so cheap even if you loose some money it is still worth it.
Click On the banner For More Saving on Mobile Calls

Internet Banking
One great thing about the Internet is that there are many financial things that can be done that make life easier for anyone who might choose to use them. Internet banking is one of my favorites, though it does make me a little uneasy about security.

However, I have never had a problem with any of the banking or financial transactions I have had to make, and I hope that is something that I never have to worry about in the future. For the most part, these are secure transactions and many have built-in fraud protection. However, anyone using online services should keep an eye on everything.

One type of Internet banking is Paypal. They are not really a bank in the traditional sense, but they can be used much like the traditional type of bank. They can allow someone to send or receive money, and they can also issue debit cards for some customers. Those who have these check cards with their own banks are eligible to have one for Internet banking with Paypal. Though some complain about them, I have used them with no problem for quite a while and they have made life online much easier for me.

I also use internet banking with my own bank. I can check my accounts at any time, and I can also send money to some of the places where I have to pay bills. This saves me a lot of hassle and things get paid on time and I don’t have to worry about payments getting lost in the mail, or things not arriving before the due date. This type of internet banking works well for me and I think many others love it for the very same reasons. Though there are times I still have to go to my bank, most of the stuff I need to do is done right from the comfort of my own home.

It is important to remember a few things when using Internet banking. Nothing is one hundred percent secure, so it is imperative that someone keep an eye on their account balances and to change passwords quite frequently. These passwords should be hard to remember and should not be personal in any way. If they are, someone might be able to get in just by knowing a few things about the account holder. There are emails that go around saying that something is wrong with an Internet banking account and that someone must click the link and reenter their information. Never do this, as no bank or any other legitimate business will tell someone to do this via email. It is always a scam. If someone is worried, they should open a new browser and then type in the correct web address to see if there is a problem. Never click the link or use the address found in the email. If in doubt, picking up the phone is the best option..

Financial control

 Why we must manage our budget ?
this is a simple question but there are many people that spend money without control. why we needs to follow-up and measure future expenses?
Life is very dynamic and it’s easy for us to buy without need of controlling our self. but can we afford spending money without control ? click to learn more about
Financial Control