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Stock prices fall globally

LONDON

Stock prices on European markets were dragged lower Monday by an expected retreat on Wall Street, at the start of a major week on the economic news front that may go a long way to determining investors' views about the world economy going into the last quarter of the year.

In Europe, the FTSE 100 index of leading British shares was down 26.26 points, or 0.5 percent, to 5,566.64 while Germany's DAX fell 62.27 points, or 1 percent, to 6,149.07. The CAC-40 in France was 38.65 points, or 1.1 percent, lower at 3,653.24.

Wall Street was poised for a fairly hefty retreat at the open later — Dow futures were down 42 points, or 0.4 percent, at 10,726 while the broader Standard & Poor's 500 futures fell 5.8 points, or 0.5 percent, to 1,136.50. With less than half an hour in the trading day, the Dow is down 96 points, or 0.89 percent.

Even though stocks enjoyed one of their best Septembers in years — the S&P 500 index added nearly 9 percent during the month alone, its best September performance since 1939 — sentiment remains fragile ahead of key economic data and a raft of central bank policy statements.

The key release this week comes on Friday with the monthly U.S. nonfarm payrolls report for September. The jobs data often set the market tone for a week or two after their release and investors will be closely monitoring the September data to see if the pace of job creation in the private sector is picking up, as some recent indicators have suggested.

The data could have a bearing on whether the Federal Reserve takes further action to stimulate the U.S. economy — a move likely to lower long-term interest rates.

Many economists predict the Fed will move to buy more government securities — perhaps as soon as its next meeting on Nov. 2-3. The Fed is weighing that option, known as quantitative easing, because its traditional interest-rate lever to help the economy is already at a record low near zero and can't be cut further.

Before then, there is a mass of news that could impact markets, not least interest rate meetings from the European Central Bank, the Bank of England, the Bank of Japan and the Reserve Bank of Australia.

And other economic data, such as eurozone retail sales figures for August, German industrial data and a U.S. services sector survey from the Institute for Supply Management will provide insights into the state of the global economic recovery.

"Pending home sales and factory orders data is due out of the U.S. today, which should bring in some volatility but we could see the cautious tone continue for this week ahead of Friday's nonfarm payrolls release," said Ben Critchley, sales trader at IG Index.

As if the economic news weren't enough, investors will also have to contend with the start of the third-quarter U.S. corporate earnings reporting season. As usual, aluminum company Alcoa Inc. kicks off earnings season on Thursday.

All this will likely lead to volatility in the currency markets, which have been in the spotlight over the past couple of weeks since the Bank of Japan intervened directly to stem the export-sapping appreciation of the yen — the intervention has not helped reverse the yen's path though it may have put a ceiling on its ascent.

The continued relative strength of the yen hurt Japanese stocks earlier and the Nikkei 225 stock average closed down 23.17 points, or 0.3 percent, to 9,381.06.

Elsewhere in Asia, most markets rose. Hong Kong's Hang Seng index jumped 1.2 percent to 22,618.66, with particular strength seen in the property sector. South Korea's Kospi rose 0.1 percent to 1,879.29 and Australia's S&P/ASX 200 added 1 percent to 4,625.30. Financial markets in mainland China are closed through Oct. 7 for the National Day holidays.

As in the stock markets, Friday's U.S. jobs report is potentially the most important likely driver.

"Continued deterioration in U.S. economic data would reinforce the already negative sentiment surrounding the dollar, and this Friday's U.S. employment and payrolls report for September, should offer clues as to whether or not the U.S. economy is starting to turn around," said Michael Hewson, market analyst at CMC Markets.

By early afternoon London time, the euro was down 0.5 percent on the day at $1.3717 as it drifted back from six and a half month highs of $1.3793. Meanwhile the dollar was flat at 83.22 yen.

Benchmark oil for November delivery was down 57 cents to $81.01 a barrel in electronic trading on the New York Mercantile Exchange. The contract gained $1.61 to settle at $81.58 on Friday, the first time it topped $80 a barrel since early August.

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How to Manage Your Personal Finances - The Home Budget

In these days of economic hardship, more and more people are being forced to look at their expenses very carefully in order to make ends meet. However, it should not require a recession or major job cut scares to put this basic discipline in place and in fact, we should teach ourselves and our children to practise this basic discipline all the time. So, what is required to maintain a home budget? In essence, it requires the keeping of records of evey cent that you actually spend in any one month. There are many types of payments that we all incur in a month but these can generally be categorised in three categories as follows:

- Fixed cost bills

- Variable cost bills

- Dicressionary spending

The home budget should be drawn up to reflect these "expense centres" as seperate blocks of costs each with a sub total which then highlights the size of  the committment . This way, one is forced to balance the budget by cutting back on variable and discressionary spend and to plan accordingly. The next step is to identify the different types of payments. Here we look at our actual monthly spend and then decide where the cost fits. Examples of the different types of payments are as follows:

Fixed Bills:  Mortgage payments, Motor vehicle finance payments, Insurance policy payments, Property rates and taxes payments, Monthly savings( always try to save a percentage of income), Medical aid membership payments, School and university fees, domestic aid payments, daily parking payments at work etc. Note: Each household will be unique in what  fixed bills they incur but it is important to identify all the costs which are non- variable monthly committments

Variable Bills: Telephone bills, House hold costs, Clothing costs, Utilities bills, etc. Again each household will be different but this catagory lists all the costs where a person can influence the committment by doing things differently or by cutting back on the spend. It is very important in this category to set a monthly budget per item and to adhere to the targeted spend.

Discretionary Spending: Cash withdrawals spent on things other than fixed and variable bills, entertainment spending, holiday costs, Annual subscriptions to publications etc. Here one must decide whether you can afford the spend or not.

Appart from the above spending, one must make monthly provisions i.e. put some money away, preferably in a seperate bank account, for things like motor vehicle maintenance and servicing, annual club subscriptions, annual license renewals, annual levies on holiday properties, annual birthdays, etc. Again, each household will have it's own committments here but it is important to identify these costs in order to provide for them.

In conlusion, once one starts keeping track of actual monthly expenses, it is surprising to see how much more aware one becomes of opportunities to reduce this spend. Some households find out that they have been spending way in excess of what they can afford and their reliance on credit is then highlighted. We must remember that the budget must balance otherwise we have to cut and shape it until it does balance.

No home should run it's affairs without a monthly budget.

This article was written by Norman Lansdell. I am a retired ex Company Director in South Africa. I am doing freelance consulting in Company management at present and I also enjoy writing articles for online forums. I am also an affiliate marketer via my own affiliate website which can be viewed at http://www.normans-onlinereveiws.com

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Fiscal responsibility: investing in our children's future

Investing in the future takes many forms. It ranges from teaching children to save their quarters from the tooth fairy, to saving money to put them through college, to spending tax dollars in fiscally responsible ways.

Photo illustration / OJO Images / Newscom / File

Enlarge By Diane Lim Rogers, Guest blogger / October 4, 2010

The paper I was invited to write for a spring conference (the William B. Ruger Chair Workshop on “Economics and Security: Resourcing National Priorities”) at the Naval War College has been published. (Right after attending the conference I had written only about what I learned about defense/national security spending.) The entire monograph can be found here, and my paper appears on pages 81-88. Some of my favorite parts (leaving aside my never-ending rants about the Bush/Obama tax cuts):

Skip to next paragraph Diane Lim Rogers

'EconomistMom' (Diane Lim Rogers) is Chief Economist of the Concord Coalition, a non-partisan, non-profit organization which advocates for fiscal responsibility, and the mom of four (amazing) kids to whom she dedicates her work. She’s been blogging since Mother’s Day 2008.

As parents, many of us baby boomers make “investing” in our kids a priority in our household budgets. We pay for our kids’ music and dance lessons, team sports, and after-school academic enrichment and health-promoting (fitness) programs. We make sure they go to the doctor and dentist regularly, and we even pay to give them perfectly straight teeth as a warm-up to paying for college. And we pay for tutoring and test-preparation classes and encourage them to do their best with their studies in the hopes that they will get into a good college that we can manage to pay for and will turn out to be a “good investment.” What makes all of our parental efforts worthwhile isn’t always measured in purely monetary terms, but all of us certainly hope that we help set our kids on a path to a high “quality of life.” And I think most of us hope that our kids’ lives will be of even higher quality than ours have been.

That is why any parent should be particularly concerned about the budget outlook: it directly undermines all of our personal efforts to provide for our kids and set them on that good path. We contradict ourselves if on the one hand we are saving for our kids’ college educations but on the other hand are clamoring for more deficit-financed tax cuts or benefits for ourselves.

…

I consider myself a “deficit hawk,” but I certainly don’t think the goal should be a perfectly balanced budget with a zero deficit in every year. Running a debt can be valuable, because it can allow us (whether as a society or as a family) to achieve a higher standard of living than what is possible if relying on current income alone, particularly when the borrowing makes possible investments that increase future income. But if we borrow too much and use it to buy things that do not increase our future income, we can get into an economically “unsustainable” situation where the burden of the debt we carry grows faster than our income—and we cannot keep up. (Examples from the family budget: borrowing for college is less worrisome if college boosts future income; borrowing to buy a home is not a problem if the interest rate will not “balloon” in the future and if the home’s value is expected to rise; borrowing for a flat-panel TV because you don’t have a job right now to pay for it . . . not so smart!)

…

Advocating for “fiscally responsible” government is not the same thing as arguing for a smaller government. Often people who say they want a smaller government really don’t want a smaller government; they just want lower taxes. The “right” size of government from a fiscally responsible perspective is that which we are willing to pay for in taxes. And the “right” level of taxes is that which is adequate to cover the cost of the government programs we deem worthwhile.

Americans have lost sight of this connection between the government we desire and the taxes we are willing to pay, because we have become too accustomed to persistent budget deficits as the norm, and too often our political leaders mislead us into thinking that there are no budget constraints and that deficit financing is “free.”

…

Those who argue for lower taxes often claim that the historical evidence shows that taxes are not the problem, spending is, because the level of federal taxes as a share of GDP has been around 18 percent of GDP over the past forty years and is projected to remain at or above that level under either current law or even current policy extended. But maintaining a level of revenues consistent with the past proves nothing about their adequacy for the future.

…

Certainly we must do all we can to control the growth in government spending, however, particularly where higher spending does not translate into higher-quality goods and services. On health care reform, we must learn from the demonstration projects and improve the flow of information in the health care market so that wiser public and private decisions can be made and wasteful spending eliminated. But the longer-term challenge will not be solved by cutting only the spending that is genuinely or even sounds like “waste, fraud, and abuse.” Tough choices on what kind of health care the public sector can subsidize and for whom (in other words, decisions about how to “ration” publicly provided health care) will have to be made. Because those choices are tough both economically and politically and will likely take a long time to both be implemented and to make a difference, health care and entitlement reform cannot be our only strategies to close the fiscal gap. Tax policy has to be a big part of the solution, too…

And my conclusion:

Conclusion: Moving from “Budget Scolds” to “Fiscal Inspirers”
As an economist and a mom, I believe that getting our nation back on a fiscally sustainable path is one of the most important ways we can ensure a bright future for our kids. To encourage this, fiscal policy experts need to do more than present the numbers and charts that warn of a scary but hypothetical future for the U.S. economy as a whole. We need to bring the issue down to the level of the family in order to make it immediately relevant to people right now. We need to remind parents that as they are working hard every day to provide for their kids, they need to demand that their politicians do the same for all our kids. Public education and engagement are crucial to not just sound an alarm but create a movement to promote fiscal responsibility as a duty to our kids and grandkids and make the “crisis” salient now. Instead of allowing our leaders to perpetuate the irrational notion that everything will be fine without having to make any tough choices, we need to tap into the inherit optimism of the American people to prove that what Paul Tsongas said (as he started the Concord Coalition in the early 1990s) was and still is right—that “we are better than what we are being asked to be by our leaders.”

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The Christian Science Monitor has assembled a diverse group of the best economy-related bloggers out there. Our guest bloggers are not employed or directed by the Monitor and the views expressed are the bloggers' own, as is responsibility for the content of their blogs. To contact us about a blogger, click here. To add or view a comment on a guest blog, please go to the blogger's own site by clicking on the link above.

Vox News

The Comedy Central's Jon Stewart and Stephen Colbert are drawing closer to the institutions they love to mock. President Obama even gave a nod to their upcoming rallies in Washington. When that happens, they need to retreat, analysts advise.

Global News Blog Global News Blog

Leanne Sarco is a ranger at Grand Isle State Park, located on a barrier island off the coast of Louisiana. When the oil spill closed beaches and canceled her job running a summer program for children, she asked her boss if she could rescue hermit crabs instead. Her effort attracted volunteers from far and wide.

She recruited Facebook friends to save Gulf Coast's hermit crabs.

When park ranger Leanne Sarco saw oil-covered hermit crabs on the Louisiana beaches, she started her own project to clean and save them.

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How to Use a Home Budget Spreadsheet to Plan Your Family Budget

Budgeting your income and expenses can be a challenging and time-consuming process, what with all the numbers involved. But there's no other way you can plan your family's spending than budgeting. Fortunately, a home budget spreadsheet can eliminate the headache and sweat that are usually involved in budgeting. You can find home budget spreadsheets on various websites; some of them come with tips and instructions on how to use them for planning your household income and expenses.

So how do you make a family budget using a home budget spreadsheet? First, open the spreadsheet program in your computer and then make four pages with four categories (budget, income, utilities, and debt).

In the Budget page, list all your income, debts, and utilities. The cell in each item in the Budget page will be linked later to the total cell from the respective page of every item such as income and utilities.

Go to the Income page. Type in all your income sources such as salary, bonuses, and commissions. On the column next to the list of sources of income, place the respective amounts. Get the sum of the income column and then link the total cell to the Budget page.

The Utility page contains all the payments you have to make, except for loans and debts. Examples of items to be included in the Utility page are power, water, transportation cost, groceries, and clothing. Create three columns for the company name, deadline of payment, and estimated amount to be paid. When you receive your billing statement, change your projected amount to the actual amount as indicated on the statement.

List all your debts in the Debt page of your home budget spreadsheet. Include the deadlines for payment, minimum monthly payment, interest rates, and the sum of all debts. If you plan to pay the smallest debts first, arrange your list of debts from the smallest to the largest.

Finally, return to the Budget page that now has the total amounts of every page in your spreadsheet and then deduct your expenses from your income.

Learn more about Home Budget Spreadsheet, please visiting http://www.gsyywz.com/general/3-essential-attributes-of-a-good-home-budget-spreadsheet/

Home Budget For Dummies

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Budgeting For You - Choosing the Right Home Budgeting Software

To function as a family today, and not have some form of a budget, is not a good idea, given the current volatile economic climate. Preparing a budget, in our opinion, is a must - not only does good home budgeting software help you to track your income and expenses, it will also aid you in planning for expenses that are most certain to occur down the road. Some of these items are semi annual or annual insurance premiums, parent and/or children dental bills, etc. And we all are well aware of auto repairs that seem to come at the wrong time.

Yet, in spite of considerable tangible short and long term advantages, many families and working professionals shirk from setting up a workable budget. Many financial and credit professionals state procrastination as one of the primary reasons, and we add another reason in that many fail to see the necessity, until some unforeseen tragedy occurs, such as loss of a job with a drastic reduction in income. Granted, having a budget isn't going to solve the job loss, but if a budget had been in place, spending would have been under control and some debt reduced. Lenders, upon seeing a workable budget in place, are more inclined to work with the family, and make changes and loan modifications to keep them going until the situation improves.

Whatever the reasons though, the right home budgeting software program remains vital for the fiscal solvency of earning families and professionals in today's still volatile economy. This can be an easy and convenient solution for those willing to take the time to get a working budget in place.

However, one only has to do a search on the internet for budgeting software, and they will be inundated with software programs that claim to have the answer. There are several that are detailed enough that will do the job, and some that are really "overkill", so what package does the average family need? We have tried many of these programs, some downloaded and some that were online, and have come to the conclusion that home budgeting software programs that are based on the "zero-sum" method work the best. Our website explains this in detail and we do recommend that type of software.

Quite simply, good home budgeting software is one that not only tracks your income and expenditures, but also provides an analysis with strategies on optimizing for maximum possible returns. In our opinion, all of these programs should emphasize reduction of debt, which in most families, does create marital problems. We can't stress this enough "prepare a budget - control your spending - reduce your debt!" I often "step on toes" when I say that everyone should have a budget and live within their means. This should start with children being trained with this concept, and perhaps the next generation won't be paying our bills.

To summarize all of this, good home budgeting software should incorporate features which take care of not just your present but also helps to plan your financial future. We encourage you to take the free trial of this very affordable software recommended on our website, and see if it will handle your personal or family needs. Also, log into the forums and see what other users are saying. We think that after trying it and seeing how easy it is, you will begin to use this home budgeting software in earnest.

Gust A. Lenglet is an accomplished author and financial adviser in the field of personal finance and budgeting. He is President and CEO of Crown Financial Concepts, Ltd. and offers home budgeting software as well as articles and information for creating a budget and reducing debt. We encourage you to visit our website at http://www.crownfinancialconcepts.org and see for your self the highly acclaimed software program that can help you in the budgeting process.

Home Budget - How to Live Within Your Means

Spending a little time creating a home budget will help you live within your means and live a better life. Unfortunately few families view this as an important part of their lives - those same families are finding it more and more difficult to make ends meet. 

I read lots of experts that recommend that you track every penny that you spend, that you develop a budget that has 50, or 60, or more categories for everything from postage to pasta, from envelopes to electricity.

I don't know about you but that seems like an awful lot of work to me! I tried this method back in my 20's but could never stick to it, I found it wasn't any fun and was overkill.

A am a big believer in home budgeting, you can't improve what you can't measure is a business axiom that I think fits when it comes to using a budget to improve your personal finances.

Here are some tips to help you with your budgeting: 

 Keep it simple: Start out by creating a budget uses a dozen or so main categories that fit your lifestyle and that you want to understand where your money is going. By starting simple you can build the habits you need to succeed, and begin the process of learning.
Make it fun: Let's be real...for most of us tracking where our money goes is not very exciting.   I found that finding ways to make the process fun helps me stay on track, and provides incentive to continue. Try rewarding yourself for accomplishing a certain goal, or look for creative ways to reduce your spending.
Make it meaningful. This is your money we are talking about, your life. Simply because someone recommends you budget for electricity does not mean you have to or should. Electricity might be a very small portion of your monthly expenses because of the part of the country you live in or your lifestyle. Why spend the time and energy tracking a small item when you are spending $300.00 a month on a coffee habit.
Make change. A budget is a plan. It is a road map for getting from where you are to where you want to go. It is meant to change, and you need to accept this fact. If something is not working, or you need to create more detail...then do it. Develop a process and routine that works for you, and then continue to review what is working for you and what isn't...then make the necessary adjustments.

Budgeting requires that you take personal responsibility for your finances and that you are disciplined. Like anything that is new, it takes time to learn. If this is your first budget it will probably be a mess, that is ok...it is supposed to be. Allow yourself to make mistakes, make changes from what your learn and get a little better the next time. With home budgeting, in a years time you will not only have more knowledge about the process of budgeting but you will also have more money in the bank as a result of living within your means.

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College savings plans: Skip that MBA

Brick and mortar institutions of higher learning, while still in their early stages, are dying. You need only look at your recent Wall Street Journal or Financial Times newspapers for an example of discouraged companies refusing to hire overpriced labor. Colleges are simply churning out graduates who demand wage compensation for skills they haven’t developed. As an example, look at the unemployment rate of MBA’s in 2009 versus 2007.

Skip to next paragraph Mises Economics Blog

This is the institutional blog of the Ludwig von Mises Institute and many of its affiliated writers and scholars commenting on economic affairs of the day.

Unemployment Rate among US MBA Graduates

(% of students without job offers three months after graduation)

1. YALE UNIVERSITY, SCHOOL OF MANAGEMENT

in 2009: 8%

in 2007: 6%

2. WASHINGTON UNIVERSITY, OLIN BUSINESS SCHOOL

in 2009: 8%

in 2007: 4%

3. HARVARD BUSINESS SCHOOL

in 2009: 8.8%

in 2007: 3%

4. STANFORD UNIVERSITY, GRADUATE SCHOOL OF BUSINESS

in 2009: 10%

in 2007: 3%

5. MIT, SLOAN SCHOOL OF MANAGEMENT

in 2009: 12.8%

in 2007: 2%

6. UNIVERSITY OF MARYLAND, SMITH SCHOOL OF BUSINESS

in 2009: 13%

in 2007: 2%

7. UNIVERSITY OF CHICAGO, BOOTH SCHOOL OF BUSINESS

in 2009: 13.5%

in 2007: 2.4%

in 2007: 2%

Yet, in spite of all the headlines about MBA programs needing reform, MBA enrolment is still increasingly high.

The question that is never asked among these debates is why companies require degrees instead of skills? Or more specifically, why do companies still believe that degrees translate into skills? Aside from the glut of college students via the government-vehicle of cheap credit and the problem embedded in signaling education, at some point in time consumers must ask what it is they receive from these brick and mortar institutions that they couldn’t receive free through internet.

For example, students of my discipline, mathematics, may learn math from the comforts of their home, in a series of progressive youtube videos (starting from arithmetic and ending at second semester calculus) from wonderful free sites like Khan Academy . Furthermore, these students may purchase the previous edition of their math textbook (usually only a few years old) for roughly 1/10th of its original price. Or, the more ambitious student may receive the equivalent of an undergraduate degree in mathematics from the professors at The Massachusetts Institute of Technology; having access to online textbooks, lecture notes, problems, examples and video lectures all for free at MIT OPEN. Or, even here at the Mises Institute, students may study under the classical liberal tradition at The Mises Academy for about the cost of a college textbook.

The point is simply that the internet is changing the way we educate ourselves in subjects like mathematics, and employers and institutions of higher learning are lagging behind. There is still, and, simply, may always be demand for physical classrooms (but even this is need of reform)

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Signs of a biotech backlash?

Esmond, Ill.

On the eve of planting, Paul Taylor, a corn-and-soybean farmer in north central Illinois, made a quick decision.

The signs were auspicious: The sun was shining, the air was warm, the fields were dry. So he returned the 50-pound bags of expensive, genetically modified seed corn that were waiting in his shed and planted instead ordinary hybrid seeds, the kind his grandfather might have sown. An early start and lower seed costs could pay off at harvesttime.

"I'm going to roll the dice on it," he said after planting.

Even as most farmers embrace genetically modified crops, some producers are casting a critical eye on the technology. Corn Belt farmers complain loudly about the soaring cost of seed. The federal government is investigating the industry for anticompetitive practices. Farmers are grappling increasingly with weeds that have grown resistant to Roundup, an herbicide widely used with genetically modified crops, and genetic contamination of conventional crops.

"If you've got your conventional seed right next to your neighbor's [biotech] seeds, the pollen flies," says John Schmitt, a corn-and-soybean farmer in Quincy, Ill., who had to sell a third of his conventional corn at lower prices last year because of contamination. "It's nature."

Even the US Supreme Court has gotten involved, lifting an injunction against the planting of genetically modified alfalfa.

There's little evidence so far that farmers have turned against genetically modified crops. The most popular trait, tolerance to Roundup, allows them to kill weeds easily without harming their crop. Other genes enable crops like corn essentially to manufacture their own insecticide. This saves farmers the trouble and expense of applying insecticide to their fields when a problem arises.

But a rising number of farmers are raising questions about the technology, if only because they resent the rising costs. Last year the price of corn seed rose 32 percent; soybean seeds went up 24 percent.

"There just isn't competition out there," says Craig Griffieon, a farmer in Ankeny, Iowa, who shuns biotech crops.

The US Justice Department is looking into complaints of anticompetitive practices in the seed business, where seed giants like Monsanto have raised prices, bought up or pushed aside smaller seed companies, and emphasized genetic engineering over traditional plant breeding.

Most farmers grumbled but stuck to biotech seeds anyway, though many refused to buy the latest and most expensive version that Monsanto was pushing.

"A lot of it, to be perfectly honest, is herd mentality," says John Gilbert, a farmer in Iowa Falls, Iowa, who regularly plants conventional seeds. "They believe Monsanto when they say it's going to yield more."

Still, the rapid increase in the percentage of US farm acres planted with biotech crops has slowed. It rose only 1 percent last year, from 85 percent to 86 percent, the smallest increase since 2001. In Illinois, the percentage of acres planted with biotech corn dropped from 84 percent to 82 percent; biotech soybeans fell from 90 percent to 89 percent.

"The technology has really been hyped a lot," says Doug Gurian-Sherman, author of a 2009 study for the Union of Concerned Scientists that concluded that yield increases have come almost entirely from traditional plant breeding. "Even on a shoestring, conventional breeding way outperforms genetic engineering."

Monsanto doesn't dispute that much of the increase in yields is due to conventional plant breeding. But biotech traits have helped "by protecting yields that would have otherwise been lost due to insects and weeds," says Monsanto spokeswoman Mimi Ricketts.

Even if conventional seeds can produce as well as biotech seed, farmers are finding it harder to find them. That's because most crop improvements produced by traditional plant breeding are sold to farmers only in combination with biotech traits.

Probably a graver challenge is the spread of herbicide-resistant weeds. The problem is worst in Southern cotton fields, where thousands of acres are infested. But resistant weeds like horsetail and giant ragweed are now appearing across the Midwest, too.

Experts say farmers created the problem by relying too heavily on Roundup and the biotech crops that Monsanto developed to use with Roundup.

"The first seven or eight years it was the greatest thing since sliced bread," says Bill Johnson, a weed specialist at Purdue University, who called Roundup "arguably the most rapidly adopted agricultural innovation ever." Now, he says, "We're going to see the value of it erode over time."

Next year Monsanto says it plans to offer farmers more seed options and lower prices for those who want to try out its latest varieties. As for Mr. Taylor, his spring gamble to plant ordinary hybrid corn seemed to be paying off. "We won't know till harvest," he says. "But it doesn't look like a bad decision."

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Home Budgeting Software - Advice on Tools to Help With Personal Budgeting Strategies

There can be little doubt that budgeting is a really useful way to plan and control your expenditure, but the reality of actually putting it into practice is often so daunting that we just never even start. There is a tendency to think of budgeting as a painful kind of rationing, making yourself go short of things you want and not being able to spend any money. In fact this is not the case at all. Good budgeting is just a way of reorganising your finances, so that you can get the most out of the income you do have. If you get it right, proper budgeting means you can actually identify where you are spending money that you don't really want to, and you can then save money and divert it to the things you thought you couldn't afford.

 

In the absence of some guidelines on how to prepare a budget, not being quite sure where to start can be enough to prevent people from getting to grips with household budgeting. There are two distinct elements to budgeting. The first is the preparation of an initial financial statement detailing all your income and expenditure, which will give you a clear picture of your current situation. You then use this to identify the areas where your spending is not how you want it to be, and set a budget for your future spending.  That can sound bad enough to many people, but the tricky part is then actually sticking to that budget by monitoring what you spend every day.

 

How to prepare a budget

 

If you want to prepare a personal budget manually, there are household budget forms online that you can download free of charge. These will help to guide you through the process and ensure that you do not miss out any areas of income or expenditure. While you can then use such forms to set a monthly budget for yourself, it is up to you to work out how you monitor and record your daily spending and measure it against your budget.

 

How Home Budgeting Software Can Help

 

The reason home budgeting software tools are so popular is that they make the difficult job of budgeting so much easier. The basic principles are exactly the same as for a manual budget, but a good budgeting tool will guide you through the process of entering your initial information, then make it very easy to identify the areas where savings can be made and where you need to change your spending pattern. The big advantage, though, is in the ongoing monitoring and measuring of your spending, which can be a real challenge to do properly without a budgeting software tool.

 

When selecting home budgeting software, it is a good idea to go for something that has either a free trial period or a policy where you can get your money back if you don't like it. That way you have no risk and can make sure it really is the best option for your circumstances. There are lots of home budgeting software packages out there, but you may find that some of them are actually more sophisticated (and expensive) than you require. Some have the facility to deal with lots of different accounts, stocks and shares and all sorts of things, which for many of us are not really what we need the tool for.  You don't want to pay for lots of functions that you are never going to use, so go for a modestly priced, straightforward product. You also want a home budgeting tool that you will be happy to use regularly, so make sure you find one that is user friendly and not over-complicated.

Read reviews and recommendations on home budgeting software now. KD Garrow has worked as a senior manager with significant financial responsibility for the last twenty years. His website about debt cures offers free advice on a range of debt related subjects, including a detailed step by step guide to getting out of debt without borrowing or spending more money.

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Rising regulatory costs strangling small business?

I give a talk to various business groups titled "The Future of Small Business in America".

Skip to next paragraph Dr. Jeffrey R. Cornwall

Jeff is the Jack C. Massey Chair in Entrepreneurship and Director of the Center for Entrepreneurship at Belmont University in Nashville, Tennessee.

When I gave this talk a few years ago it had a very happy ending. I talked about the robust entrepreneurial economy and how bright the future is for young entrepreneurs. It also included some warnings about factors that were inhibiting entrepreneurs and could stifle continued entrepreneurial growth, including our tax policy, our approach to business regulation, and property rights.

Today that talk does not have such a happy ending. Just when we need entrepreneurship the most to help lead us out of the recession, the factors stifling entrepreneurial activity are getting worse. We have already seen increases in taxes and fees that impact small businesses, a growing complexity of the tax code (now over 100,000 pages if you are keeping score at home), and increased tax compliance enforcement by the IRS targeting smaller businesses.

And now the news gets even worse. Just when we should be getting out of the way of entrepreneurs, we are instead witnessing a sharp increase in the cost of regulatory compliance for small businesses.

In the latest report on the cost of regulation, the SBA Office of Advocacy finds that the cost of regulatory compliance for the smallest businesses (under 20 employees) has increased from $7,647 per employee per year in 2005 to $10,585 in 2008. So just as the recession was taking hold, small business had to divert 38% more per employee just to meet the demands of growing regulation. This cost is 36% higher than the same per employee cost facing larger businesses with over 500 employees.

Keep in mind that these figures were calculated before the pro-regulation movement took over in Washington in 2009. The 38% increase in cost happened under the supposedly pro-business Bush administration.

So in 2008, a small business with 20 employees can expect to pay $211,700 just complying with government regulations. I shudder to think what the cost will be by the time we see the next report on regulatory cost on small businesses, which should be assessed sometime around the end of the first term of the current administration.

Imagine the economic growth we could unleash if we allowed these business owners to put most of that money to use to grow their businesses.

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How to Utilize Home Budget Software

You Need a Budget

Budgeting is very important. It is unfortunate that so many people don't budget their money. Whether you have very little money or a lot of money, you should be budgeting so that you know where your money is going and you know that you are spending it correctly. This'll maximize your financial security and help you live a more stress-free and rewarding life.

A budget is not a complicated thing. It is very easy to make and once you've been following it for a while, it becomes second nature to you. You can adjust it whenever you need to and you can make your savings increase quite a bit just by setting up a strong budget.

Setting up a budget means determining a certain amount of money that you're able to spend in each category of spending in your life. You then follow that spending and are able to save the amount of money that you have figured out.

Software Adds Simplicity

If you are worried that budgeting is too complicated, software can make it simpler. If you find a good piece of home budget software, you can set up a budget very easily and follow it just as easily. Home budget software helps you determine how much money you need to save, how much money you can spend in each category, and helps you manage that spending so that you make sure you don't go over your spending limit.

Quicken is one of the most popular pieces of home budget software because it is so effective and affordable. Make sure you find a piece of software that gives you what you need and is not too expensive. If you spend thousands of dollars on home budget software, you are pretty much defeating the purpose of budgeting in the first place. Be a smart spender especially with your software.

Stick with your Home Budget Software

Once you have your software and you have your budget set up, the best thing you can do for yourself is to stick with it. There will be times you need to adjust your budget and sometimes you make over under, but if you can stick with that budget, you will complete your financial goals. Work hard and keep a strong budget and you will reap the rewards.

Do you need a great, affordable piece of home budget software? Find a great price on Quicken software [http://bestfinancialplanningsoftware.com/quicken/] and start your own budget.

Budgeting Finances - Home Budgeting Help

One of life's great mysteries is why even the most capable and intelligent people seem to hit a mental block when it comes to budgeting their personal finances. This simple guide will help you manage your money more effectively.

Why Money Matters

Perhaps many of us have an aversion to home budgeting because poring over financial statements isn't the most exciting of activities. One way to get motivated is by reminding yourself of the importance of money.

Money equates to freedom and choice. Without money our precious time is spent chasing our tail just to keep a roof over our head and food on the table. With money we have much more liberty in how we live and how we spend our time. Accumulating wealth isn't a sin. With money comes the power to do much good. With money, we have choice; without it, we don't!

The Importance of Budgeting

The acquisition of wealth depends upon two things, our total income and outgoings. The more income exceeds outgoings the faster we accumulate wealth, ie to build wealth we need to maximize income and minimize expenditure. The management of these two quantities is what's known as budgeting.

The most important, and often most difficult step in budgeting is taking stock of what's happening. Most of us pick up our pay packet, spend it, and wonder why nothing's left before the next payday arrives, and so on...

Budget Planning

Keep a check on your income and outgoings for a month. Carry a pocketbook and note every bit of income and expenditure from the morning newspaper to the tips you might get from your work. Look closely at your bank statement and remember to include those possibly forgotten direct payments or stock dividends. Remember also to account for periodical expenses such as local taxes, house insurance, car service etc.

Once you have the figures, look first at your income. Before analyzing your expenses, work out ideally how you'd allocate that income. Start by itemizing essential costs, eg housing, transportation, food, bills, taxes... With what's left, work out ideally what you'd like to spend (on nice, but discretionary things like holidays, eating out...) and save. Don't forget the small stuff like coffees and newspapers.

Now look at your expenses. How do they differ from the ideal picture? The differences suggest potential changes; the greater the difference, the greater the need for change.

Scrutinize those expenses carefully. Are there any areas where you might be wasting money? These might be as simple as buying a coffee on your way to work instead of waiting for the free one you can get there. What may seem only a few dollars a week can equate to hundreds of dollars over the year.

You don't have to forego all life's pleasures, but it's surprising how little things add up. By analyzing your records you will at least be aware what your little pleasures cost.

Hopefully at the end of the exercise you'll find that your income exceeds your expenditure. In this case you'll have the pleasure of deciding how to allocate the excess to best suit your circumstances, goals and personality.

If, however, you find that your outgoings exceed your income you must acknowledge that your position is unsustainable. Feel relieved that you've at least recognized the problem. There are two basic ways to fix matters, either increase your income or decrease your expenditure to the point where you're no longer running a deficit.

On the income side, are there opportunities to work overtime, or to earn some part-time income? In terms of expenditure you'll need to be ruthless. Prioritize the outgoings you've listed. Spend less where you can.

If you're having trouble servicing debt, acknowledge the problem. Talk to your creditors.

Weekly vs. Monthly Budgeting

These days most of us get paid monthly. While this benefits employers (making only 12 payments a year instead of 52) it can create difficulties for individuals. Not only are calendar months of unequal length, but a month is also a long time to account for.

It's much easier to budget by converting your monthly income into weekly chunks, and making each available on a particular day each week. To calculate the weekly equivalent of your monthly salary you need to multiply by 12 and divide by 52.1775 (taking account of leap years). In months with only 4 "pay days" you'll need to set something aside for those with 5.

Envelope Budgeting

Before bank accounts became commonplace many people used to set aside money, maybe in labeled envelopes or jars, for their various outgoings. Though primitive, this method made it obvious whether life's expenses had sufficient funding. Now we rarely get to see physical cash it can be hard to see the overall picture.

Even if your money's held securely in a high interest deposit account you can still follow the envelope budgeting principle by mentally allocating the balance to different accounts, eg using a computer spreadsheet.

Make a list of your periodical outgoings, and work out how much each week/month is needed to cover them. Then, on computer or paper, split your deposit account balance into an appropriate number of virtual sub-accounts, ensuring each has sufficient funding.

Funding Contingency

As well as predictable expenses life sometimes presents unpleasant surprises such as a lost job, leaking roof or major car repair. You can never completely account for the unexpected, but it makes sense to hold a financial contingency fund to at least minimize the financial damage. The size of this fund depends upon your circumstances, and personality, but it's often advisable to hold at least 3 month's salary in readily available cash.

Following this simple budgeting guide will allow you to take control of your financial destiny.

Johnny is editor of personalmoneymanagement101.com, a simple and unbiased introduction to finance and investment for ordinary people to make the most of their money. Have your say on our blog

Does Your Home Budget Or Budget Spreadsheet Fight Against Your LTG Achievements in Life?

Your home budget software or budget spreadsheet should be aiding you in reaching your L.T.G.s. in life. If you are tired of living week by week, month by month, and existing without actually living. And you want the fruits of life and not just the mere act of existence. Then, by all means, I seriously suggest that you start by adding some L.T.G.s to your daily financial diet! Oh... You want to know what L.T.G.s are? Of course! L.T.G. is the short way of saying, "Long Term Goal". I know...Your thinking "Sure, right, my life consists of three Children, one spouse (actually forth child), rent, car loans, and a bank balance that hovers somewhere between going and gone!" Yet, L.T.G.s are not impossible when employing an comprehensive strategy geared from the outset to the achievement of your long term goals in life. As a matter of fact, anyone, at just about any level of income can have and achieve their long term goals in life.

Did you know that there are two driving forces, or perspectives at work in achieving your long term goals in life? It true, they are yours and the author behind the home budget or budget spreadsheet you have opted to use on a daily bases; and any commitment failure from either end will most likely cause a derailment of any and all of your long term goals. So let us take under consideration, these two perspectives and how they apply to achieving your long term goals in life.

The first perspective is of course yours, and is broken down into two parts. These two areas are your personal commitment to achieving your long term goals and will work apart from your budget spreadsheet; but they are none the less foundational to its success. First, you will need to exercise focus and/or determination. Please, keep in the cracks and crevices of your mind that abstract goals in life that are akin to "power", "financial freedom", and "being rich" are nice; but will soon fade away, since wealth and power are at best relative; you will never earn enough, nor have enough power. Ergo, these are unfocused and unrealistic "types" of goals to have in life. Focused goals in life should revolve around items of need, trips or get-a-ways, and personal achievements. Thou, this is not a comprehensive list; these are however, tangible and attainable for the resolute of mind. Secondly, you will also need to allow for time in reaching your long term goals in life. Many families become discouraged in the short term, soon giving up for failing to grasp this basic concept in Long term goal achievement. When looking at other families we tend to see the results and not the determination, hard work, and time that had produced such results. So please, work hard, remain patient, focus on each goal, and allow for plenty of time!

The last perspective is the authors' and is reflective in the type of budget spreadsheet or home budget software he has designed for you to use. This is the authors' commitment in aiding you to reaching your long term goals in life. It should be interjected at this point that the purpose of any budget spreadsheet or home budget is only to provide useful information in one form or another. It does not decide on which bills to pay, nor the order in which they are paid. Simple put, your home budget is not your brain; it is a means to an end! That being said; the types of information provided will have a direct bearing on your ability to reach your long term goals. Information such as daily bank balances, your lowest balance in the year, and bank balance trends over a period of time. It is not wise to have a long term commitment without understanding it impact on your finances today and all of your tomorrows to come. The authors' commitment should also include easy to use software or spreadsheets. There is nothing more taxing on the mind than trying to navigate through a hard to use and complex home budget or budget spreadsheet .

So, now that the lights are starting to dim and everyone has gathered up all of their belongings as they prepare to leave and journey to their perspective homes; what will we take away with us and remember the most about this article? That there are two perspectives or driving forces that impact your ability to reaching your long term goals in life.

While it is our responsibility is to be focused, coupled with patience and time; the authors' responsibility is to provide useful information in an easy to use and understandable format.

My name is Michael Reichwein and I would like to invite you to come and visit our home budgeting spreadsheet website at http://www.bottomlinebudget.com today. You will be able to see the solutions that we have implemented in our budgeting spreadsheets that have enabled families from all over the world in making their home budgeting dreams come true! Take the challenge! Come, use our free download, and see if you can start building your dreams today!

I am Michael Reichwein, the CEO of Bottomline Budget. My wife and I have called Pennsylvania, USA our home for more then 30 years to date. We originally, did not intend in selling our "family home budget spreadsheets", as a web based business. However, as time advanced as it usually does, it became unavoidable. The funny part was that I did not venture out into the internet looking for software and spreadsheets advocated by other authors in order to gleam as it were, the elements they had gleamed from others. Instead, my concept was in building the spreadsheets around the needs of our family at that particular time in history; and then placing those derived elements into an easy to use format. I am sure that if you use them, you find them as useful as my family has over the last Eight years!

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The 3 Most Important Features of a Home Budget Spreadsheet

These days, there are literally thousands of software programs that claim to offer the best home budget spreadsheets on the market. While this has given us a wider range to choose from, it has confused many of us as to which one is the most appropriate for each situation. Because of this, I've decided to write this article to lay out once and for all the 3 most important elements that any home budget spreadsheet must have.

Easy To Use

Perhaps the most important element of them all is the ease with which anyone can use the program. You certainly don't want to purchase a program that requires reading a thick manual from beginning to end before being able to use it. It would be helpful to test out a program at the shops before proceeding to buy it. You should also read reviews on each product to get an idea of how easy it is to use.

Flexible Data Representation

A useful feature to have on a home budget spreadsheet is the ability to represent the data on the rows and columns in different ways. This refers to being able to immediately construct pie graphs and charts by using the data available. This is helpful because it allows you to more easily read, analyse and make decisions based on the data.

On-hand Calculator

Another very useful component of a good spreadsheet program is the availability of an electronic calculator on the program in order to make immediate calculations. You may not have a physical calculator on hand with you all the time so this feature certainly comes in handy.

Even though there are so many programs out there that offer home budget spreadsheets, only the ones with the 3 above characteristics will serve you well.

Martin Sejas is a guest writer of [http://www.HomeBudgetPlanning.com/], a website dedicated to giving individuals important yet very usable advice on home budget spreadsheet [http://www.HomeBudgetPlanning.com/] and a lot more.

Home Budgeting - 2 Tips to Avoid Personal Loans

Home budgeting isn't always as easy as some books or experts try to make it out to be. The fact is that while there are some good guidelines to follow at the end of the day both your income and expenses do change from time to time making it very hard to stick to a budget 100%.

There are unexpected bills, illnesses and sometimes life gets in the way. Don't feel bad if you struggle to get on top of your finances. This is a struggle that many of us have to live with every day.

A common option is to take out a personal loan to bridge the home budgeting money gap. Done wisely this can be a good solution but it does carry plenty of risks and of course you could end up paying high interest and even digging yourself further into debt.

So before you take the plunge and sign up for a personal loan just make sure you have checked out these options. You might not be able to avoid taking out a loan entirely but you might be able to reduce the amount you need to borrow.

Clear Your Clutter

Sell those old books, CDs and DVDs you have lying around. Some people make a full time income finding old books at yard sales, buying them for pennies and selling them on Amazon. You often won't make much on the book itself but Amazon pays you a set shipping and handling fee. This fee is more than enough to cover the packaging and postage and you are legally allowed to take the balance for your time and effort.

I know folks who send out 50+ books a day, it adds up and puts food on the table.

Make More Money

This is the method I used to get out of my home budgeting problems. If you've got some spare time and energy then there are some good options for you to earn more income.

If you like talking to people you could try Avon or Mary Kay many of their products are in demand, are trusted and not hard to sell.

People and businesses always need help with all sorts of services. Think about things you know how to do. It could be cleaning, translating documents, book keeping, painting anything you are good at. Ask your local businesses if they've got any odd tasks or things they are struggling with you will find some way to help out. Remind them you are not looking for a job but offering a service.

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