Why Personal Finance Software Is Important

Why personal finance software is important These days, technology has really revolutionized people’s way of life, including their financial life. Back in the day, most people used a pen and paper to document their earnings, spending, and finances.What is personal finance software?Home finance software refers to a financial tool that enables you to prepare a budget, track your expenses, and check your overall finances. These days, there is no valid reason why you should be disorganized and mired in debt because there are many good personal finance programs that you can use to keep track of your money, plan your future, and completely control your finances. If you have a PC or laptop, you are lucky because you can easily find good home finance software at little cost. Application programmers have now catered for the high demand for these applications as they now come with all sorts of functions and capabilities that can save your money, time and effort.

AnalysisYou can now analyze your finances unaided. However, this kind of analysis can be much easier if you have some accounting background. Finance software will analyze your important financial details. Details such as your monthly expenses will stick out. Many personal finance applications also allow personalization. If there is one particular aspect you want to know about your finances, you can simply create a specialized analysis. Many personal finance programs can also give you a monthly analysis-an excellent way to see how you actually spend your money on a monthly basis.Budget creationWe all know the importance of a personal budget. But creating a real budget that you’ll stick to is easier said than done. You can find a personal finance application that creates a realistic budget for you. Simply enter your basic information into the software and quickly create a simple budget.Checkbook balances and bill paymentsSometimes you’ll fail to pay bills on time. When it happens, interest rates are more than likely to shoot up. Fortunately, you can avoid this mistake once and for all. Look for a personal finance application that’ll remind you when to pay your bills. Likewise, you can accomplish balancing your checkbook by just ticking a box. Sum up any amounts withdrawn from your account and check carefully anything that seems suspicious. Once you have everything on record, it becomes much easier to know how your finances are faring.

Trust yourself and no one elseWhen it comes to finances, it is best to keep track of all you have carefully. You may trust your finances with your financial adviser, but it is still important to know where every cent is at, always. With a personal finance application, your money will never be far away from you. Whether you are paying bills, balancing your checkbook, tracking your paycheck, or creating a personal budget, you should not live without personal finance software.

Movement Marketing: Build a Successful Business

Why Movement Marketing?
A fundamental shift is taking place in the Customer Engagement economy that deals with the way in which we communicate with customers and prospects and the way in which we build our brand. How we do that must be done in a certain way to make sure that we are building a brand that is built to last. There is an alignment between the values of customers and prospects and the values of the companies they do business with, and it’s much more than simply understanding values and shaping culture. Yes, all that is super important, but it’s part of a bigger picture.

Wanting to learn more about this subject, my research includes reading a very interesting book recently, Scott Goodson’s Uprising: How to Build a Brand – and Change the World – by Sparkling Cultural Movements, published by McGraw-Hill. I give credit where credit is due in sharing many ideas from that book. If the information resonates with you, then you owe it to yourself to pick up a copy. And if you really like what we’re talking about, you can tweet the author, as I did, and encourage him to do an interview for Customer Engagement Magazine and directly share some great ideas as one of the experts in this field.

Let’s start with the Mind Map on Movement Marketing and study what Movement Marketing is all about. Most people think of a movement in the context of overthrowing a government, and while that is one type of movement, it’s not today’s discussion.

What is a movement? A movement is a group of passionate people with a shared identity who are committed to implementing a change in the world. There are macro movements and micro movements. The movement is often based on a set of values and beliefs that fuel its growth. A couple of key points stand out here. It’s a group of passionate people, not a group of people who are not passionate. They have a shared identity and are committed to implementing something that they strongly believe. They are all individuals but have something in common that binds them together. A movement is often tied to a higher purpose of creating meaning in the world.

Why do people enroll in a movement? There are a number of reasons: an enchanting leader captivates them; a movement helps them to do something they otherwise could not do.; the social psychology of wanting to belong to a bigger group. It’s frankly cool in some cases, and human beings naturally like to organize in groups. Also, there is a perception of strength, which is very significant. In the 2008 U.S. presidential election, President Obama had a stronger movement than all of the people he competed with for the presidency. He was very good at building a movement to mobilize his message and get it out into the world, and he was successful with it. Movements are very important, and I’ll share some business movements as we continue.

Why is a movement relevant? There’s a growing hunger for meaning in the world, for a sense of belonging, of purpose and significance in a complex and challenging world. People want their lives to matter and their values to be aligned with something that is important to them as well as to the bigger picture. As mentioned, movements can occur at the macro level and at the micro level. For example, the Arab Spring is a macro level movement, while Livestrong, formally associated with Lance Armstrong in fighting cancer, is more of a micro movement.

There is immense power behind these movements and mobilizing people to push their ideas forward to obtain a result. There’s an input, an output, and an outcome that movements try to strike. Some movements have been successful, some haven’t. For example, Occupy Wall Street wasn’t very well organized, and although they started strong, they weren’t able to sustain their message.

A key aspect of relevancy is that buying behavior is shifting. Customers are moving towards supporting brands that are more aligned with their values and morals. For example, as supermarket shoppers become aware of how food is made, they start to vote with their currency, in terms of where they want to spend their money. One thing I personally look for is the GMO Project, genetically modified organisms. I look for products that do not use GMOs. In this sense, I’m part of that movement and make purchasing decisions based on a company that believes as I do about value.

Smart companies know that it’s about understanding the values of their market and where those values make sense. They want to be seen as authentically and transparently supporting those values. Smart companies understand that they must be a relevant part of the big picture in order to move forward in the economy, and that they must show alignment.

What are the attributes of a movement? First, there is a like-minded group of souls or community in a movement with a common set of values, beliefs, and worldview. These people have passion and purpose and are part of a crusade they feel is worth fighting for. What is the crusade in your business? What are you fighting for?

People in a movement are interested in creating significance in the world, and that’s really the motive. They want a sense of contribution, and that, in itself, is the payoff: the ability for them to contribute and to accomplish their objective, which is rooted in their value and belief structure. There is often a cultural nemesis, as in the biblical story of David and Goliath. Who are they fighting? Typically, movements have a cultural nemesis that they are against, which is the struggle. In many Hollywood storylines, someone fights against the bad guy.

Movements involve having a role model, and there can be multiple role models. They are foundational-based, meaning that usually there is some type of book or manifesto of ideas. Look at any strong major movement in history and you’ll find a book; for example, in all religions of the world there is a book. There is something to reference that bonds people together. There’s a common language, common symbols, and a mantra. A mantra is a word or sound that’s easy to communicate and repeat which expresses the essence of what the movement is all about. There are common symbols, logos, flags, banners, or wrist bands, as in the case of the Livestrong movement. This helps to identify someone who is or is not part of the movement.

From a macro standpoint, many businesses use these exact ideas in Movement Marketing. There’s a cultural set of rules for people who are part of a movement. There are do’s and don’ts, acceptable and non-acceptable behaviors. Often, there is a shared experience of a struggle that binds the community together. A good example is CrossFit.

I used to be an avid supporter of CrossFit, a health and fitness regimen. A CrossFit Box is an example of language. A box is essentially the gym referred to as a box. They use a term called WOD, “workout of the day,” a language in that community. All CrossFit facilities provide an exercise facility and have various logos. They have rules and a culture. They are for and against certain things. For example, they believe in Paleo; raw food, organic food. These are all parts of ideas in this community. People support it because they want to be part of the community. They want to exercise together so they can share the struggles and the results. Part of the reason I participated in CrossFit is because I thought about all of the intense pain I went through doing the exercises and wanted to do it with others.

Work delegation and leadership development are elements of a movement. It’s very important to be able to distribute responsibility and to give people something to do, to empower them to take action and to organize themselves. A physical place where people can get together several times a year to build bonds and relationships is powerful. Getting together physically for fun and camaraderie is a key ingredient, because you can’t be too serious. Some historical movements have been very serious, but there must be some points in the movement where people are able to let their guard down a little bit in order to connect with other people in the movement. If a physical gathering isn’t possible, meeting virtually is a great idea.

Two conditions that fuel a movement are restlessness and social strain. When there’s a problem in society, there must be an issue that motivates people to come together. If there’s no issue, it’s not going to happen. Movements provide comfort through community and shared experience. A movement needs a message that is clear and repeatable, a medium to communicate the message, and a well-defined audience that appreciates the message. The message can be distributed live on a webinar, on a broadcast channel, or in an article. But it must be targeted to an appreciative audience.

Regarding organizational systems, viable means must be available to enrol people in numbers, to assimilate and activate members into a movement, and to spread the message in a viral nature. That’s where social media and SMS (short message service, texting) technology on telephones come in handy. The more you can share the message and make it easy to activate and enroll people, the more successful you will be.

How do movements operate? Scott Goodson talks about “The Swarm Effect.” Consider a group of bees flying through the air, moving in unison as they swarm. They can identify resources, opportunities and threats as they move about and communicate inside the swarm. That’s also an important attribute of a movement, because as you build a movement in the business environment, you want to consider ideas that make it easy for your group to move and to grow.

Let’s further consider some business implications. One key aspect comes straight from Scott Goodson’s book:

“I think it all breaks down as follows: for a movement to happen, you need to tap into the passion, energy, or restlessness that people have concerning some aspects of culture. To do this, you need to articulate a big idea that somehow addresses the restlessness and is expressed in a fresh, compelling way which is where semiotics can come into play. If you succeed in doing that, you may end up with a group of true believers who are ready to act, and at that point you can foster that action by providing support tools and platforms.”

That sums up the key idea here. It’s really critical to realize this idea, because everything I’m going to talk about next flows from this central concept. He goes to say:

“So you basically end up with a formula: restlessness plus an alternative idea that’s expressed effectively, plus true believers, plus facilitation equals a cultural movement.”

That’s the key idea, so let’s dive in and unwrap this concept even more.

Movement Marketing was done very differently in the old world. Today, Movement Marketing takes the old world and flips it upside down, and I want to show you how that happens. Before, customers just seemed to make purchasing decisions. Now, a lot of buying has to do with making purchasing decisions based on values, beliefs, sharing, and connecting with like-minded people in the marketplace. Scott goes on to say, “As customers begin to care deeply about issues, businesses must care about them, too.”

If the public is moving forward to a world of greater collaboration and sharing, then businesses must begin to do the same. They must move in this direction; otherwise, they will fall out of touch and become irrelevant. And if people, newly empowered by technology, gravitate towards constructive and creative movements, then businesses need to figure out how they can be relevant and move in the same direction.

Instead of marketing and advertising being focused on the individual, we now see in Marketing 3.0 a shift toward taking a message and looking at how individuals are interconnected into multiple groups that share common values and beliefs. So instead of attempting to persuade people into a particular ad message, marketers must think about how do they tap into what the market already believes? I want to really emphasize that key point. Instead of being focused on selling, the way to connect with movements is to be dedicated to sharing the message instead of controlling the message. Marketers must learn to relinquish control and let people who are part of the movement be able to share in this new Customer Engagement economy.

Strategy: You must have a clear understanding of the business movement you want to create. What are the inputs? What are the outputs? What are the outcomes? What are you trying to accomplish? Then you can start to think about why you want to accomplish it and eventually how you will do it.

Declaration: It starts inside your organization. You must build support for what you’re doing and why you’re doing it. You must declare this inside of your organization.

Outsource Your Online Business Creation And Focus On Marketing

When marketing online, you will tend to try to do everything by yourself in order to save money. Good if you are expert in everything that you intend to do but you are just wasting a lot of time and effort if you are new and try to learn everything. What you should do is outsource those skills that you do not possess and concentrate on your online marketing efforts.Imagine putting all your hard work into creating your online business and when you are done, the results are nothing but mediocre. If you are not good at something, admit it and get someone who is good at doing it to do for you.

Here are 3 types of business creation steps you can outsource.1. Website DesignIf you know zilch about HTML, PHP, FTP, etc; you shouldn’t really look into learning all of them. While they are good knowledge to possess, sometimes it is better to get a website designer to do them for you.There are many web developers online and the prices of website creation are not that expensive unless of course if you are looking to do a huge website.2. Graphics DesignIf you cannot design graphics, then stop pretending to be an artist. Graphic designers online have now become more sophisticated and with the advent of terms such as Web 2.0, the learning curve has been longer than ever if you want to do the same.What you can do is either but graphics which have been pre-designed and insert them on your websites or simply get a custom graphic designed for you. You will certainly appreciate the more stunning designs that can be created by graphics designers.

3. Writing ServicesWell, not everyone can write well. Thus you can always hire writers to write the content of your website for you. Armed with experience and mastery of the language plus an eye for researching about various topics, writers can make your job easier and you do not even need to reach out for a pen or type away endlessly on your keyboard.While there are many other services which your can outsource like search engine optimization and website submissions, you will do well to pay for such services and focus on your marketing instead.

The Difference Between SEO and SEM

SEO is an acronym for Search Engine Optimization. This is how a website purposefully designs it content, including their titles, content and meta tags, for the sole purpose of getting the attention of search engines like Google, Yahoo and the lesser known Bing. What SEO wants to achieve is an organic or natural flow of traffic to their websites that is not bought or paid for like we do when we pay for advertising. A search engine result is free.SEM is an acronym for Search Engine Marketing. It is a concept often associated with SEO, sometimes even confused with SEO. They have some goals in purpose but are very different in technique. SEM has come about because large search engine websites like Google have offered fees to show case ads on the top of their page listing. These are pay per click or PPC ad campaigns. SEM is closer to traditional advertising in that you pay for the direct exposure you are receiving. SEM has made it possible to be a website with high visitor content just because they pay more to be advertised and promoted by Google. Both SEM and SEO are sets of strategies to bring in visitors. Except you pay up front for SEM, it is a direct advertising strategy. While with SEO, you look for indirect ways to get noticed.Optimizing a website for search engines, will mean evaluating particular keywords and keyword phrases the internet users may type into search engines to look for service and products that an ecommerce based business may offer. The grit of SEO is editing website content with keywords. Including keywords and keyword phrases in tags and meta tags. Even links and HTML is edited to suit SEO. HTML and links are worked out in a way to get the website user to move a certain way within your website. Ideally, the website visitor is presented with links around the website, going from page to page to read information they are interested in. This design makes it so the website user does not leave the website immediately.

SEO works best when the SEO professional does not try to find underhanded ways to cheat the search engine system. Such tricks will get a website flagged by the search engines, since they use practices that are discouraged. Even if the website does rise to prominence for a moment on the Google rankings, reading content over peppered with keywords will get the website pulled down even faster. SEO tricks like link farming, keyword abuse and page cloaking get picked up by the search engine algorithms and they push the website to the top of search results. You can trick the machine. But after people start reading your content, it becomes apparent that the website is a fraud.The best way to climb to the top is by following ethical SEO guidelines. Write good content with proper technical guidelines. You can learn to do this yourself. You can also hire a writing service who will do this for your. But if you want to really get out there the fast way, consider SEM. A Pay Per Click ad campaign means that you only get charged for clicks on the link to your website. You know exactly what you are getting for your money.Search Engine Marketing is guaranteed promotion for any business. Pay per click is one for few guaranteed strategies for success in attract the coveted targeted consumer. But you can and you should use both SEO and SEM at the same time. Both are invaluable resources. Here is a list of benefits that will be available to your website with the help of SEM:1. When somebody types in a query into a search engine, the search engine will present them only ads and banners in the same industry or interest of the query.
2. Pay Per Click is great for corporate awareness, aside from online sales. It increases the value of the brand name.
3. Pay per clicks and sponsored links are transparent. You know what your money is paying for, as presented by the numbers.
4. Keeping well written and informative landing pages will lead readers to explore your website and see what else is available.
5. You only pay for the traffic volume that the pay per click ad has brought in. And this traffic is select, meaning they have interest in your service or product.

In a way SEO and SEM are the same concepts wrapped in different presentations. SEO will last longer because it is content based. You do not pay for it every time it shows up in search engine results. If the competition is low, your website will be highly ranked for a very long time. SEM operates with the same traffic volume objective buy in a different way using paid Ads, banners, sponsors and Pay per click services. It brings in traffic too over a shorter period of time, unless you can keep payments indefinite. But the websites that gain the most use both SEO and SEM aggressively.1. They get more traffic that increases exponentially if they keep up content.
2. They keep up with rankings over a long period of time.
3. They keep it innovative and fresh, so loyal visitors have something new to see and come back to visit again.
4. Content keeps up with relevance to search engine guidelines.
5. They cultivate repeat visitors who also become repeat customers.Being SEO ready means your website is easy to access, user friendly, and easy to navigate for the average user. There are gimmicks, games, polls, promos to entertain the internet user and keep them coming back. This attracts visitors and other websites to link to your own website.