Tip Wedding Dress Shopping

Dos And Don'ts Of Shopping For Your Wedding Dress

DO Shop early! Avoid the "Two Weeks 'til Wedding Day Attack." Get your wedding dress early.

DO Research before your buy. The quickest and easiest way to research is by searching online. There are many Web sites dedicated do wedding dresses where you can get a ton of useful information about styles, designs, trends, etc.


DO Go to a wedding dress specialist. You should visit several wedding boutiques, and learn from the pros. Of course, keep in mind they are selling, so you should take everything with a grain of salt.

DO Expect minor alterations. Even the most expensive designer wedding gowns might need a few adjustments. If you buy your gown well in advance, you may need to alter the dress again a couple of weeks prior to the wedding.

DO Keep an open mind while you shop for your wedding dress. Try lots of things on. Often the dress you thought you'd never like is the one that makes you look and feel the best.

DO Bring shoes with the same height as your wedding shoes are going to be on your special day.

DO Slip a bustier, a control-top panty hose into your purse.

DO Have Fun!

DON'T panic if you have to special order! Wedding dress salons can special order your dress faster than you can say "panic."

DON'T put up with unfriendly sales people. This is your wedding day, your big purchase. The sales person who sells your wedding dress to you should share in your enthusiasm and make it exciting for you.

DON'T shop after you've bought. Instead enjoy the rest of your wedding planning journey.

DON'T give up! Finding that perfect wedding dress is going to take some work.

DON'T take too many people with you on your hunt for your wedding dress. You shouldn't take more than five people with you on your shopping trip.

About the author:http://www.blogger.com/img/blank.gif

George Meszaros http://www.sweet-reflections.com

Written by: George Meszaros

Computer Desks Guide.

A Guide to Computer Desks

Computer furniture has evolved over the years. Improvements in the design and decor of computer desks have revolutionized the way people work at the computer. With the increase in the number of computer accessories, such as keyboard, mouse, and additional attachments like the printer, scanner, hard disks, modems, the allotment of space for all these accessories has become a challenge. Modern office furniture has to be modular, movable and flexible.

The most important feature of a good computer desk is ergonomic design. As people work spend more hours at the computer, it is important that the desks are comfortable to sit at for long hours. Moreover, they have to look good and blend in well with the rest of the office or home. As greater comfort ensures greater productivity, companies are more willing to provide the best computer desks for employees.

Modular computers desks provide flexibility and versatility in use – they can be remodeled very easily depending on the use. These are ideal for the limited office spaces of today, and also work well in homes because they can be easily changed according to different requirements. Fittings are provided to accommodate various other accessories that may be required while using the computer, such as a document holder, wrist rest, file hangers, CD holders, or telephone shelf. Such desks are also often accompanied by a manual that contains comprehensive instructions for assembling or disassembling the unit. On the whole, computer desks today are leaner, and have fewer drawers and more shelf-space than before.

In most modern computer desks, the unique arrangement of the panel systems ensures optimum space, privacy and advanced wire management. The spine of the desk should be designed to not only provide power and data to the whole unit but also to support the desk assemblies, staking storage, divisional screens, transfer screens and other accessories. The end result is optimal space utilization.

A versatile computer desk should not necessarily compromise style. Computer desks are being designed with every kind of material possible ranging from traditional oak and wood to metal, glass and fiber.

About the Author

Computer Desks Info provides detailed information on corner, glass, roll top, home, child, oak and cheap computer desks, computer desk hardware, and more. Computer Desks Info is the sister site of Office Chairs Web.

Written by: Ken Marlborough

Try to lower your car insurance qoute

15 Ways to Lower Your Car Insurance Quote

1. Shop around

The difference in price between various companies can be significant. What one company may consider a high risk factor another company may not view as so important. Insurance companies arrive at a price for your car insurance by adding or discounting money after each answer you give to the questions they ask you. Each company has its own rules as to what they consider should increase or decrease your premium. By shopping around you get a better list of prices to compare.

2. Buy a lower group car

One of the important factors that insurance companies take into account is of course your vehicle. There are thousands of different cars on the road so companies divide them up into groups. Most companies will adopt the ABI (Association of British Insurers) group rating. This splits up vehicles into 20 different groups. Generally speaking the higher the group rating for your vehicle, the higher your premium will be. Some companies may also combine your driving experience with the vehicle group to get a better idea of how high the risk is. This is one of the reasons why young drivers should consider buying a lower group car if they want to lower their insurance cost.

3. Consider Third Party Only cover

A Third Party Only insurance policy is the minimum amount of cover legally required - it is also the cheapest. Generally speaking you should consider opting for this type of policy if your vehicle is of low value. In the unfortunate event of having an accident, any damage to a third party vehicle will be covered but any damage to your vehicle is not. However, if your vehicle is of little value then you may not be too concerned. It may not be worth paying extra for a Fully Comprehensive policy in these circumstances.

4. Maintain a good credit rating

More and more insurance companies are adopting credit scoring techniques as part of the overall calculation of your car insurance premium. By keeping a good credit history you may avoid any additional premium that companies add to your price for having a bad credit score.

5. Buy on the web

Many insurance providers now offer some good discounts for buying the policy over the internet. The theory is that by purchasing your insurance over the web, you are saving the company money by not requiring telesales agent time and incurring free-phone costs. This saving is passed on to you in the form of a discount for buying online. If you have got prices by telephone then check your quote again on their website, you may be surprised at how much cheaper it is.

6. Have a higher voluntary excess

During the quotation process you will be asked how much voluntary excess you want to have. Insurance companies will generally include a compulsory excess amount on the policy but give you the opportunity to increase this if you wish. The more the voluntary excess the lower your premium should be. However, in the event of a claim, you will have to pay a higher amount yourself, up to the total amount of excess on your policy.

7. Reduce your annual mileage

How many miles you do a year is a common question that can affect your car insurance premium. The more miles you do the more your premium is likely to be. Quotation systems and telephone agents will often suggest an amount of miles for you. Try and work out how many miles you will genuinely do. It may be less than the amount suggested. Of course, you should always give an honest answer to this and other questions.

Get a cheap UK car insurance quote from http://www.acceptdirect.co.uk

8. Keep a clean driving record

This may be easier said than done. However, by having few or preferably no driving convictions, you can avoid being penalised by increases in your car insurance premium. Getting caught with a speeding fine is often not the only financial penalty you incur. Insurance companies take very seriously all driving convictions and it is usually an important part of their rating process. You can expect an increase in the cost of your insurance if you do get caught with a driving conviction, so it pays to be a safe driver.

9. Keep claim free

This ties in neatly with number 8 above. The biggest factor affecting the cost of your car insurance premium is how many No Claims Bonus Years you have. Full No Claims Bonus is generally considered by most companies to be five years or more, this can give you huge discounts, in some cases up to 75%. By being a safe driver and avoiding potential claims, you can continually benefit by building up your number of claim free years. Every additional No Claims Bonus year you get, the lower your car insurance cost should be. Some companies give you the option of paying a bit more on your premium to protect your No Claims Bonus.

10. Be realistic about the value of your car

Most of us have an inflated view as to what our car is worth. When asked the value of your vehicle during the insurance quotation process, people will often state an amount that is unrealistic and above the real value of the car. People do this as they believe that this is what they will get back from the insurance company in the event of a claim. The reality is that the company will only pay out what the car is worth at the time of the claim and not what you stated for the quote. In fact, by giving a high and unrealistic value, you can increase your car insurance premium as this is often a factor affecting your final price.

11. Remove unnecessary named drivers

Additional drivers on your policy usually mean a higher premium. A lot of people add a number of extra drivers on the policy just in case that person needs to drive the car. However, having all these drivers will push up the cost. By only naming drivers on the policy that will definitely driver the car, you can lower the final cost. If you find that an unnamed driver needs to drive the vehicle then most companies will allow you to temporarily add a new named driver for a small cost.

12. Improve your car security

Theft of and from your vehicle are important considerations when insurance companies calculate your price. Most companies will give you a discount for having better security of your vehicle. An alarm and immobiliser will usually attract a small discount whilst having a tracker device installed may give you a larger reduction. Some companies may insist on having such devices installed on more expensive and desirable cars before they even consider offering you a price.

13. Take an advanced driving test

Although not compulsory, taking an advanced driving test can not only improve your driving skills but also help to lower your car insurance premium. Some companies look favourably on people who have taken the advanced test as it shows commitment to safe driving thus lowering the chance of having a motoring accident.

14. Pay your premium in one go

By paying for your car insurance all in one go, you can avoid paying additional interest charges that would be added on if you opted to pay by instalments. The interest charges can be quite significant, so if your finances allow, you can save a good amount of money by paying for the whole lot up front. In some cases, companies may even give you a small discount for doing this.

15. Get married

Okay so this may seem like a dramatic final way to lower your premium. However, a number of insurance companies offer lower premiums when your named drivers are insured and spouse as opposed to two unmarried drivers. Some companies believe that this shows an element of stability which is a hallmark of safer drivers and give you a discount on this basis.

Copyright © 2004 Accept Direct Limited


http://www.acceptdirect.co.uk

Andrew Bowen is the CEO of Accept Direct Limited. Accept Direct sell low cost UK car insurance through their website http://www.acceptdirect.co.uk

Written by: Andrew Bowen

Travel in romantic resolutions

A new year always means a chance for a new start. You and yours can begin this new year by making some travel resolutions together, regardless of your time and budget restraints. Put aside those old travel habits and make some new ones! Let this be the year that your travel plans focus on fun, fantasy, and festivities!

(1) We're going to plan a real vacation. No, it doesn't have to be an around the world cruise or first class getaway (but if you can afford it, what are you waiting for?) It does have to be an honest-to-goodness vacation, though. No cell phones, no laptops. Mark the dates on the calendar and keep it just like you'd keep any business appointment. The business of romantic travel, though, is a fun one and an activity that the two of you can plan for months.

(2) We're going to involve each other in the trip planning. All too often, one partner gets the job for planning a trip...and that task quickly becomes a bore. Plan your trips together! Anticipation is half the fun. Visit a travel agent. Collect brochures. Buy a guidebook. Rent a video about your destination. Search the internet for information.

(3) We're going to do something we've never done. Here you can be as mild -- or as wild -- as you dare. Go whitewater rafting. Rent a houseboat. Take a hot air balloon ride. Spend the night in a local bed and breakfast. Learn to scuba dive. Dance the whole night away under the stars. The choice is yours.

(4) We're going to take one mini-vacation every month. Whether it's for the night or just for the night out, plan one tiny slice of a vacation every single month. The only rule: you must pretend you're on vacation. Book a night at a local bed and breakfast. Call your local hotel and find out their non-peak nights (in business-oriented cities, it's usually Friday and Saturday) then plan a short romantic getaway.

(5) We're going to go to at least one festival. Special events take place at just about every community around the world. Whatever your interests -- from square dancing to sandcastle building -- you'll find a festival celebrating with a day or two of fun and food. If you don't have the time or budget to go far, contact area chamber of commerce or tourism offices within a day's drive of your home for their calendar of events. If you can, extend your trip into a long weekend. If you've got the time and resources, check out some of the major fun festivals: Carnival, Mardi Gras, Rio's Carnivale. Don't forget your costume!

Husband and wife team Paris Permenter and John Bigley edit the award-winning Lovetripper.com (www.lovetripper.com), a romantic travel magazine and resource featuring honeymoons, destination weddings, and romantic getaways worldwide.


editors@lovetripper.com
Written by: Paris Permenter & John Bigley

Refinancing a first and second mortgage

Refinancing a first and second mortgage requires some extra considerations. Depending on your equity, you may find that combining the two mortgages results in a higher interest rate. You may also find that you have to carry PMI with the refinanced mortgage.

Will Refinancing Benefit You?

Refinancing two mortgages allows you to consolidate your loans into one payment, often lowering your monthly bill. You may also find lower rates under the right circumstances.

Those with a large amount of equity benefit most from consolidating loans since they qualify for the lowest rates. It is important to look at interest savings, not just monthly numbers which can be misleading.

However, if you have less than 25% equity, you may end up qualifying for higher rates. With less than 20% equity, you will also have to pay for private mortgage insurance. Even with these factors, you may still find that you will save money by refinancing.

Have You Done Your Research?

To see if refinancing makes sense for you, research mortgage lenders. You can quickly go online and request quotes and terms. Look at the different offers, and work out the numbers. An online mortgage calculator can help you figure out monthly payments and interest costs.

An easy way to compare cost is to first add up your interest payments for both mortgages. Use this number to compare interest payments with each potential mortgage.

You also need to factor in the cost of refinancing. Just like with your original mortgage, you will have to pay fees and points. You want to be sure that you can recoup these costs with your interest savings.

Why Do You Want To Refinance Both Mortgages?

While refinancing both mortgages is convenient, you may decide to refinance only one or both separately. With your main mortgage, you can expect to get low rates.

A second mortgage will usually qualify for higher rates, but you can lock them in. You may also choose to convert from a line of credit to an actual mortgage. Again, you will want to investigate financial packages before signing up with a lender.

About the author:

View our recommended mortgage Refilenders. Carrie Reeder is the owner of ABC Loan Guide, an informational website about various types of loans.

Written by: Carrie Reeder

6 Smart Tips To Avoid the Stress of Shopping For Holiday Gifts

For those who find making their gifts list for the holidays a very exciting activity, good for you. Those who find it less than an appealing bustle don't fret. Many share your sentiment. The problem with making a list is that it seems to become never ending especially when you decide on checking it twice. Okay, you're no good ol' Saint Nick but hey, this is only looking at it with a bird's eye view. What you don't know is that buying the gifts could actually cause a bigger headache than the preparing of the list.

Who wants to wallow in the stress brought by holiday gift-giving? Holidays need not always put you in a major state of panic. Here's how to breeze through the holiday season with these tips on buying gifts.

1. Say no to a rigid gift list.

This doesn't mean that when you arrive on a situation like when you get to see a "spunkier" Ipod when you originally thought of giving out a Walkman, you'll always give in. The thing is that you should be open to alternatives with your choice of gifts. You might as wel, jot down all the possible options on that gift on your list in case you're having a hard time looking for it.

2. Nifty over Hefty.

An expensive price tag does not necessarily mean a perfect gift. What is more appreciated is creativity and when someone puts in genuine effort. Your budget does not have to suffer so much during the holidays. Doing your homework will get you a long, long way.

3. Doing some favor is a labor of love.

Instead of material presents, an act of kindness can very well serve as a very valuable holiday gift. One may run errands or do things like babysit for a busy aunt, cook dinner for a couple, or do a car wash. Of course, just don't forget to do this for free. One more thing, you can also do this goodie-two-shoes stuff not only for your family and friends but also for those less-fortunate.

4. Techie not Newbie.

For those who are still thinking that the Internet is only a mirage of the future, please wake up. You're so late! Online shopping is one of the many conveniences the Internet offers. Just click the mouse and voila! Before you are a wide array of brands and pricelists for your choice of gifts. Amazon.com, EBay, and Overstock.com are just a few of the best web sites that can help you in this endeavor. Just remember to provide ample time for delivery.

5. Comfort Zone.

During the commotion from shopping for holiday gifts, it's wise to wear your most comfortable outfits. This will make it easier for you to rummage through shelves of stuffs and will make scurrying not much of a hassle.

6. Early Bird Gets the Most Appreciation

Yes, there's still no better way of dealing with this gift-buying problem but to do it ahead of time. Creating your list about two months before the "season to be jolly" will help a lot in downsizing the hassles of this activity. Some can even go the length of preparing for it at least three months before the holidays.

Some people never have to worry about buying for gifts. Can you imagine having a closet of stuff always ready to be given out for various occasions? Yes, these cases exist. But you don't have to really succumb to such almost-paranoid acts. Following the simple but noble tips above will do.
About the Author

David Arnold Livingston does all his gift shopping online without stress and recommends the gift directory: http://www.rggift.com/

Written by: David Arnold Livingston

5 Critical Steps to Protecting Your Computer on the Internet

Spyware, viruses and worms... oh my!

If you are connected to the internet, you need to make sure you get your computer set up properly if you want to avoid problems down the road.
With all the viruses, spyware and other threats on the internet today, no computer should be set up without the proper protection.
And that protection needs to be in place as soon after you hook up your new machine as possible.


The following five steps will make your computer a much harder target for threats. You still won't be completely immune to problems, but 99% of the time the threat will pass you by, looking for the easy mark.

1. Running a Personal Firewall

A personal firewall is software that basically makes your computer invisible to hackers, worms and other threats that can infect your computer over the internet.

Setting up a firewall is the absolute first thing you should do if you're going to connect to the internet. Without a firewall, your computer could get infected in as little as one minute after connecting.

If you have a brand new computer running Windows XP Service Pack 2, there is a firewall built into Windows. It will already have been turned on when you first set up your computer.

If you're running an older version of Windows, even an earlier version of Windows XP, there is no firewall automatically set up for you. In this case there are two possibilities:

- Your computer came pre-loaded with a firewall such as Norton Internet Security or McAfee Internet Security
- You have no firewall installed and should download one ASAP.

If you don't have any personal firewall software installed, you should do so right away. Zone Alarm is a very good firewall program that has a version that you can download and install for free.

You can download the free version of Zone Alarm from http://www.computer-help-squad.com/zonealarm

2. Turn on Windows Updates

Again, if you're running Windows XP Service Pack 2 this is already set up, but otherwise you should turn on Windows Updates. Microsoft releases updates for security problems and other bugs in Windows on a regular basis.

These updates will keep your computer running better, and they often fix security issues that could compromise your information or privacy.

If you are running Windows XP Service Pack 2, you can double-check that automatic updates are turned on by clicking Start, then click Control Panel, then double-click Security Center. The window that opens will tell you if automatic updates are turned on, and lets you turn them on if they're not.

To turn on automatic updates in earlier versions of Windows XP, click on the Start menu, click Control Panel and then double-click on System. On the "Automatic Updates" tab, click the option to "Automatically download the updates and install them on the schedule I specify."

To turn them on in Windows 2000, click on Start, click Control Panel and then double-click on Automatic Updates. Again, click the option to "automatically download the updates and install them on the schedule I specify."

Now when Microsoft releases updates, they will be downloaded for you automatically and Windows will tell you when they are ready to be installed.

3. Install & Update Antivirus Software

Most new computers come with antivirus software these days. You might have Norton, McAfee, PC-Cillin or another brand. No matter what program you have, you will need to update it when you get connected to the internet.

It doesn't matter how new your computer is - there will be new viruses, and new updates for the antivirus software, since it was loaded.

The exact process is different for each brand of antivirus program, but most of them will have an icon in the bottom right corner of your desktop, beside the time. The icon might be a picture of a shield (McAfee), a stethoscope (Norton) or something else.

In most cases, if you point to the icon for your antivirus and click the right mouse button, a menu will pop up with an update option. It could be simply called update or could be something like Live Update or Download Latest Updates. If you click on the update option (with the left button this time) it will install the newest updates for you.

If you're not sure which icon is for your antivirus software, just point to each one for a few seconds and a little title should pop up telling you what it is.

4. Install Anti-Spyware Software

Spyware - and other things known as adware and malware - is becoming as big a problem as viruses. Spyware programs can cause a lot of problems with your computer, not to mention they can track your personal information and you never know where it's being sent.

Some new computers might includes antispyware software, but most of them don't yet. There are quite a few anti-spyware programs available, some free and some not. The one I recommend is from Microsoft and is one of the free ones.

One of the reasons I like it is because it always runs in the background and will automatically catch a lot of spyware before it gets on your computer.

Many of the other programs don't catch it until you run a scan. Not only does this allow things to get on your computer, it also means you have to actually remember to run a scan.

You can download the free Microsoft Antispyware from http://www.computer-help-squad.com/antispyware

5. Set up a Free Email Account

This last item is not as critical as the first four, but I would highly recommend you set up an email account with one of the free services like Hotmail or Gmail.

Once you're on the internet, you'll find a lot of useful information that you want that requires you to provide an email address. In some cases, these people will end up sending you a bunch of spam.

If you use a free email account to sign up for anything that you don't know for sure you can trust, it's not going to fill your main email with a bunch of junk.

This goes for anything really, not just online information. If you're entering a contest or signing up for anything offline and you don't know where your information could end up being used, I would suggest using your free email address.

If worse comes to worse, and your free email address gets inundated with spam, you can always just set up a new one and let the old one expire.

Some of the better free email services are www.hotmail.com, www.gmail.com and www.yahoomail.com.

If you've had your computer for a while and never done any of these things, you should still take these steps to get it set up properly. It will definitely save you a lot of time - and possibly money - as you use your system.

About the Author

John Lenaghan offers easy-to-understand advice at the Computer Help Squad website. Find out more about these 5 steps - sign up for our newsletter and receive your free 5-part guide at http://www.computer-help-squad.com/5steps

Written by: John Lenaghan

5 Tips On Making Your Car More Fuel Efficient

With gas prices sky high most individuals who drive are interested in ways they can make their car more fuel efficient and save as much money as possible. While there are no fuel saving tips that will keep your car full of gas without filling up, there are some tips that really can help you save money on fuel over the long run. All of these tips focus on making your car more fuel efficient.


Fuel Efficiency Tip #1 Drive When You Crank Up This might seem obvious, but as soon as you crank up your car you should drive off. However, many people crank up and leave the car idling for a while. Instead of this, when you crank up drive off and only keep your car running when it is absolutely necessary.

Fuel Efficiency Tip #2 Don't Ride the Break Many drivers hit the break more often than is necessary. Additionally there are quite a few drivers that slow down for a braking car when they could easily switch lanes. Not riding the break can increase your fuel efficiency by up to 30%, so this is a great tip you should follow.

Fuel Efficiency Tip #3 Turn Off Your Car If you are going to be stopping for more than 10 minutes you should switch off your car to keep fuel efficiency at its peak and not burn more gas than is necessary.

Fuel Efficiency Tip #4 Don't Turn Off Your Car If you are only stopping for a brief moment or less than 5 minutes then don't turn off your car because the amount of gas used to crank up is more than you would burn in that short period of time.

Fuel Efficiency Tip #5 Inflate Tires Properly Too many drivers never think of their tires, unless one goes flat. However, having tires that are properly inflated can save fuel and make your car more fuel efficient, saving you money. Because of this, you should check your tire pressure on a regular basis.

While gas prices don't seem like they will be dipping considerably in the next few months every tip to help you make your car more fuel efficient is helpful. So, follow the above fuel tips and you will see that over time your car really is more fuel efficient.

About the author:

SearchArticles.Net offers articles, tips and information on a variety of subjects including cars and trucks. For more tips for your car visit http://www.SearchArticles.Net

Written by: Craig Rowe

8-Tips for Packing and Traveling Lite

How-to Pack and Travel Lite

In this day and age of traveling cephalalgia, there are a few packing tactics to employ. To cut out an extra thirty to forty minutes at the arriving airport, start with packing small luggage. Since carry-ons can not exceed a linear dimension of 45 inches, you can escape the fiasco of the baggage terminal by simply packing and traveling light. To learn how to pack all your needs into one suitcase, read more.


Use the following pithy packing tips to make your travel light:

Make a list. Compose a pack list. Be sure to coordinate shirts and blouses with bottoms. To maximize your traveling wardrobe fashion savoir faire, stick with solids and versatile basics. Rule-out any clothes that do not match other items.

Roll ‘em up please. The best way to fit all your clothes is by rolling pants and shirts. First fold each item in half. Then simply roll. To try to maintain any creases, start on the bulkiest end of the article of clothing.

Gear up. How to make an awe-inspiring impression out of a basic or mundane outfit? For the most glam appeal, accessorize with a vibrant tie (for him) or a florid scarf (for her). Multihued accessories can liven up just about any attire.

Minimize bulk. After you check for space, edit outfits – ruthlessly. Try to pack microfibers with wrinkle and stain free comfort. With most of your attire, stay in the same color scheme – in case you have to layer up for warmth.

Employ shoe smarts. For men, any leather rubber-soled shoes can make the day and night transition, easy. For woman, a pair of flip-flops, strappy sandals and comfy wedges can serve all casual – chic dressing needs.

Put under garments on the top. To reduce the embarrassment of under garments becoming the side show attraction of the open luggage scan, place all panties in a plastic bag free of any clippers, lighters or other questionable paraphernalia. For expedient security review, place the transparent bag on top of your other items so security can access the bag without ruining your efficient packing method.

Lose Extra Baggage. Leave the heavy travel guide at home. Duplicate important resources to keep your luggage free of extra pounds. Since most hotels and resorts provide irons and blow-dryers --leave yours at home for light travel.

Leave restricted items at home. If you want to make it through security extra fast, avoid any firearms, weapons, box-cutters, scissors, razors, lighters and any other item that may be used in a terrorist situation.

About the Author

Freelance writer, Holly Bentz is the owner of a media boutique, www.fruitionMedia.net. From subliminal e-sales letters, informative articles to powerfully persuasive web content, Bentz takes pride in providing awe-inspiring copy.

Written by: Holly Bentz

10 Easy Ways To Organize Your Business Finances

Whether you are a new entrepreneur or a more experienced business owner, taking control of your finances can feel like a part-time job. Some simple tips can help you streamline your time, organize your finances and reduce the stress of business money matters.


1. Keep Your Bills in One Place

When the mail comes, make sure it goes in one place. Misplaced bills can be the cause of unwanted late fees and can damage your credit rating. Whether it's a drawer, a box, or a file, be consistent. Size is also important. If you get a lot of mail, use an area that won't get filled up too quickly.

2. Pay Your Bills on Schedule

Bill paying can be simplified if it's done at scheduled times during the month. Depending on how many bills you receive, you can establish set times each month when none of your bills will be late. If you're paying bills as you receive them, chances are you're spending too much time in front of the checkbook. Although bills may state "Payable Upon Receipt", there's always a grace period. Call the creditor to find out when they need to receive payment before the bill is considered late.

3. Read Your Credit Card Statements

Most people take advantage of low interest credit card offers but never read their statements when paying the bill. Credit cards are notorious for using low interest as bait for new customers then switching to higher rates after a few months. Make a habit of looking at your statement carefully to see what interest rate you are paying each month and if any transaction fees have been applied. If the rate increases or a transaction fee appears on your statement, a simple call to the credit card company can oftentimes be beneficial in resolving the matter. If not, try to switch your money to a more favorable rate.

4. Take Advantage of Automatic Payments

Most banks offer a way to automatically deduct money from your account to pay creditors. In addition, the creditors usually offer a lower interest rate when you sign up for this payment option because they get their money faster and on-time. Consider it as one fewer check to write, envelope to lick and stamp to buy. Just make sure you record the deduction when the automatic payment is scheduled or you run the risk of bouncing other checks.

5. Computerize Your Checkbook

Using a software program is a handy way to organize your finances. Whether it's Quicken(r), Microsoft Money(r) or another package, these easy-to-use programs make bill paying and bank reconciliation a cinch. Computer checks can be ordered almost anywhere and fit right into most printers. Once the checks are printed, all of the information is automatically recorded in your electronic checkbook. Furthermore, many banks have direct downloads into these software packages so when money is deposited or withdrawn, the transaction is entered immediately onto your computer. And, when it comes time to do taxes, it couldn't be easier.

6. Get Overdraft Protection

Most banks have a service where, if you run the risk of bouncing a check, the money will come from another source. For a nominal fee, the bank will link your checking account to either a savings, money market, or credit card so the embarrassment of bouncing a check will be avoided. Call or visit your bank to learn about this convenient feature.

7. Cancel Unused Accounts

Whether it's a credit card or bank account, write a letter requesting that the account is formally closed. Not only will this improve your credit score, it is a useful way to avoid money from being scattered all over the place. Don't let department stores and credit card companies lure you into opening new accounts by offering favorable interest rates and purchase discounts. It's easy for credit to get out of hand by taking advantage of every credit offer that comes your way.

8. Consolidate Your Accounts

If you have several credit card accounts with outstanding balances, try to consolidate them into one. Be careful and check the balance transfer interest rates and one-time fees. Also, make a list of all your open Money Markets, Savings, CDs, IRAs, Mutual Funds, and other accounts to see if any consolidation can be done. Keeping your money in fewer places eliminates all of the guesswork involved and reduces errors.

9. Establish Automatic Savings

Create a link from your checking account into a savings account that will not be touched. This can usually be done through the banks and automatic amounts will be transferred over each month. Most people will not put money into a savings account on a regular basis. They may wait until a large tax refund check arrives or some other event to actually deposit money into savings, retirement or other accounts. If you establish an automatic savings deposit every month, your accounts will begin accumulating money faster than you think.

10. Clean up Your Files

Make sure your paid bills are organized in a filing cabinet. Keep individual files for paid bills. Go through your files at the end of each year and throw out bills and receipts no longer needed for auditing purposes. Contact your local IRS office to see how long records need to be kept for audits. Usually federal tax return audits can be done three years back but cancelled checks may need to be kept for seven. Consult the Internet for auditing and records-keeping procedures for your state or region.

(c) 2005 DebtGuru.com(r). This article may be freely distributed as long as the signature file and active link are included.

About the author:

Michael G. Peterson is the Vice President of American Credit Foundation, an IRS 501 (c)(3) non-profit consumer credit counseling organization that has assisted thousands of individuals and families with their financial situations through seminars, education, counseling services, and, debt management plans. For more information, and free consumer resources visit http://www.debtguru.com.

Written by: Michael G. Peterson