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.

Top 10 Celebrity Styles For 2008-2009

Every year we look to celebrities for fashion inspiration and new styles. Looking back over this year we can say that 2008 did not disappoint. Although some celebrities veered a little too far left of what is fashionably acceptable many others hit the bulls-eye. Even if you didn’t commit to any of the following trends, you can’t deny that they made statements in 2008. We have broken them down in order from 1 – 10 and let you know who owned that specific celebrity style.

Fashion Trend # 1: The Two-finger ring. This is one of the coolest jewelry trends we’ve seen in awhile. It has been spotted on famous celebrities such as Rihanna and Lauren Conrad from ”The Hills”.

Fashion Trend # 2: Baggy ”Boy” Jeans. This was a hit-and-miss look. It really depended on the body type of the person sporting the look. We think the new Baggy Boy Jeans should have a distressed and loose look, but should also be cut to show off a woman’s curves. This celebrity style was rocked by Reese Witherspoon and Katie Holmes.

Fashion Trend # 3: Nail Designs. Many celebrities decided to wear crazy colors on their nails this year. Those celebrities include Beyonce, Eve and Rihanna.

Fashion Trend # 4: Sky-Scraper High Heels. Every year high-heels get higher and more dangerous looking. If you don’t believe us just take a look at Victoria Beckham and Madonna.

Fashion Trend # 5: Pointless Accessories. Anything and everything was up for grabs to be an accessory in 2008. Just take a look at Miley Cyrus, Rihanna and Beyonce.

Fashion Trend # 6: Obama T-Shirts. For the first time we can remember political T’s were available and worn by the general public. Check them out on Halle Berry, Beyonce and P Diddy Combs.

Fashion Trend # 7: Nerdy Glasses. Geek-chic is a sure thing, when worn right. But be careful because dark, thick plastic frames aren’t a look everyone can pull off. If you want to see them worn right check out the celebrity style of Kanye West, Jay-Z and Common.

Fashion Trend # 8: Bangs. This look also doesn’t work for everyone, but when it does, watch out! Check out the bangs on Jessica Alba and Christina Aguilera…HOT!

Fashion Trend # 9: Leather Jackets. This look was taken straight from the 80′s, but worked great in 2008. Some celebrities rocking leather jackets were Vanessa Hudgens and Rihanna.

Fashion Trend # 10: Hippie Headband. Very few people can actually pull this look off. Personally, I’m not of fan of it on anybody. Some ladies sporting the hippie headband this year were Nicole Richie and Mischa Barton.

As you can tell there were many new celebrity styles this year, along with some re-tread styles. Every year we are amazed at what people bring back out of the closet and add to their wardrobe. No matter how much we may fight it, the looks always seem as glamorous and hot as they did before. We can’t wait to see what celebrity styles these people pull out next year. I guess we’ll just have to wait and see!

How to Buy Quality Mexican Insurance Online

Typical Mexican Insurance Online Problems:

1. Not buying car Insurance for Mexico

U.S. and Canadian auto insurance is NOT recognized in Mexico and is invalid due to territorial exclusions. Travelers who don’t have auto insurance for Mexico and have an accident may spend many hours or days in jail and have their vehicle confiscated.

2. Forgetting to Buy Emergency Medical Assistance with your Mexican Auto Insurance Online Policy.

Mexico is an adventure and can become a perilous journey without emergency assistance coverage.The majority of health providers in the States do not cover Mexico.

3. How to Find Mexican Insurance Online Website.

It is suggested that you purchase Mexican insurance Online before entering Mexico. Although Mexican car insurance can be purchased from various vendors just prior to crossing the border, you may have difficulty verifying if your coverage is adequate and from a quality carrier approved by the Mexican government. You will probably pay more than you need to!

4. Legal Help and Bail Bond Expenses.

Here is an area is often forgotten in policy coverage. Your Mexico Auto Insurance policy should include an endorsement for Legal Assistance and Bond Expenses.

5. When you buy coverage, you should receive the following items to take with you on your trip:

* Authentic and admitted Mexican auto insurance policy printed legibly in Spanish and English.

* Accident instructions and important policy information.

* Essential phone numbers (Vital to keep on you in your wallet as well as in your vehicle)

* Car Insurance Premium payment receipt.

* Mexican Insurance ID cards with your certificate number and important phone numbers identified as working in Mexico or good in the US.

Make sure your plan covers your entire stay. All companies have daily, weekly, and yearly policies. You may find it less expensive to buy coverage with a longer period if you plan to stay over 20- 25 days.

Keep the ID Cards in your wallet or purse and keep the Mexican Insurance Online certificate and accident instructions in your glove compartment.

It is very important to separate them in case your car is stolen, or the authorities take your papers (frequently they don’t give them back) and you need to call the insurance company for translation or legal help.

Motorcycle Footwear

When a motorcycle is purchased there are many other purchases to consider. Every biker describes to have riding gear that will keep them safe while riding. Out on the open road there are road hazards and weather conditions to deal with.

Leather motorcycle jackets come in different types of cowhide and buffalo, along with chaps. These protect a rider from the elements, rocks, debris, and road rash. Leather gloves keep the hands warm in cold weather and dry in wet weather. Gloves also protect the hands from road rash. In the case of an accident and being thrown from a motorcycle the natural instinct is to put the hands out to break the fall. With gloves the skin on the hands can stay intact. A helmet is always important. Use your brain to protect your brain.

A long with leather jackets, chaps, gloves, and a helmet the footwear is also an important part of riding gear. Even picking the correct footwear takes careful consideration. A pair of tall leather boots works well when riding a motorcycle. This will protect the riders ankles from being burned on the exhaust pipes and from debris and stones. On a bike it is important to have the soles of the shoes be grippy; these will make the soles of the shoes like an extra set of tires. The feet are what hold up the motorcycle when you are at rest.

Some bikers may where fashion boots or cowboy boots, but these have slippery soles. Fashion boots are available in a work style with grippy rubber soles. Other bikers prefer a boot with Velcro or latches rather than a lace up boot. First they take less time to put on, and second the laces may come loose and get caught in moving parts, like the drive train.

Along with choosing the perfect bike that is comfortable and fits your cycling style, remember to purchase the riding gear including footwear that looks cool and keeps you protected while riding.