Your Tip of the Day

by Bob Osgoodby

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In this Issue

** Tip Of The Day – E-mail Junkie

** Something to Think About by Jan Tincher

** Food For Thought by Dr. Kevin Nunley – Affiliate Marketing--Who Benefits More, You or the Company?

** Quote of the Day

** A Little Levity – Vegetable Lasagna Recipe

** The Dollar Stretcher by Gary Foreman – Avoiding Payment Pain

** Publications of Interest

** Stress Matters

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Welcome

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Tip of the Day

E-mail Junkie

Are you an e-mail junkie? I think many of us don't want to admit it, but deep down, we know we are! By this, I mean, do you check your e-mail several times during the day? Wouldn't it be easier to have your e-mail check itself?

Believe it or not, you can do that with many email clients including Outlook Express! You can set your e-mail to check every five minutes or every hour, or whatever you want! Sound good? I thought you might like that.

All you have to do is open Outlook Express and go to Tools, Options and choose the General tab. Look toward the middle of the box under the Send/Receive Messages section.

The very last choice there is "Check for new messages every (blank) minutes." Check that box and then choose the amount of time you want your e-mail to be checked. You can either use the up and down arrows to set your time or just type it in. Then right below that, there is an option if your computer isn't connected to the Internet at the time of the scheduled check. You can either choose for it to not connect you, connect only when working offline or connect even when working offline.

Either way you go, your e-mail will never miss a checkpoint and you won't miss any news!

Bob

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Something to Think About by Jan Tincher

So you have your own great success picture and story in your mind that hasn't quite reached it's potential.

Why hasn't it?

Could it be because you need to try harder and work more intensely than you ever thought you could? And you just haven't done it because . . . Why?

The best thing you can do for yourself is impose, and regulate, your own self-discipline to get the job done right the first time. One thing that might help you do it is to realize right NOW that if you don't, someone will have to step in and do it, or finish it, for you. They'll do the work AND reap the rewards, the rewards you had envisioned, but didn't exercise the discipline you needed. Now, do you think you can impose that self-discipline you need to get the job done right, and get it done NOW? Great!

An article that will help is:  6 Steps To Making a BIG Change In Your Life and you can find it here: [http://www.tameyourbrain.com/6steps.htm]

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Be a success!  Let Jan Tincher, Master Neuro-Linguistic
Programmer, help you!  Great articles, great strategies you can
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 happened -- and that may not happen. Have faith. Share that faith.

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Stupid Quotes

"Pitching is 80% of the game. The other half is hitting and fielding."

- Mickey Rivers, baseball player

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Food for Thought
by Dr. Kevin Nunley

Affiliate Marketing--Who Benefits More, You or the Company?

Most network marketing companies give prospective affiliates the
impression that they are the ones who get the most benefits, not
the company itself. But is this really true? Are network
marketing companies really sacrificing their own benefits so they
can provide them for you?

To answer that question, you have to look at each specific
opportunity. Not all are created equally, you know. The more a
company is willing to do to help you succeed--providing marketing
tools and materials, keeping costs low, taking marketing
responsibility themselves--the more you benefit. But your
benefits mean success, and your success means success for them.

Affiliate marketing is a tremendous arrangement for both you and
the company. It's a very symbiotic relationship, in which you
can't succeed without them, and they can't succeed without you.

So, when you decide to look for a network marketing opportunity,
remember that just because a company seems to provide an
unreasonably generous amount of benefits for affiliates, doesn't
mean there is some kind of trick. It may simply mean that the
company knows how your success will affect them.

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"See Kevin's 10,000 free marketing tips at http://drnunley.com"

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Trivia

Long before people used sundials, clocks in living organisms were keeping accurate time. When the tide is out microscopic plants called diatoms come to the surface of wet beach sand. When the tide comes in the diatoms go down into the sand again. Yet in sand in the laboratory, without any tidal ebb and flow, their clocks still make them come up and go down in time with the tides.

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Quote of the Day

"That's my gift. I let that negativity roll off me like water off a duck's back. If it's not positive, I didn't hear it. If you can overcome that, fights are easy."

 - George Foreman, Championship Boxer
 
 

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- 11/22

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Grins

Vegetable Lasagna Recipe
=-=-=-=-=-=-=-=-=-=-=-=-=

Catherine, an RN, was unhappy with her job, so she submitted her resignation. She was sure she'd have no trouble finding a new position, because of the nursing shortage in her area. She e-mailed cover letters to dozens of potential employers and attached her resume to each one. Two weeks later, Catherine was dismayed and bewildered that she had not received even one request for an interview.

Finally she received a message from a prospective employer that explained the reason she hadn't heard from anyone else. It read: "Your resume was not attached as stated. I do, however, want to thank you for the vegetable lasagna recipe."

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A guy stuck his head into a barber shop and asked, "How long before I can get a haircut?"

The barber looked around the shop full of customers and said, "About 2 hours."

The guy left.

A few days later the same guy stuck his head in the door and asked," How long before I can get a haircut?"

The barber looked around at the shop and said, "About 3 hours"

The guy left.

A week later the same guy stuck his head in the shop and asked, "How long before I can get a haircut?"

The barber looked around the shop and said, "About an hour and a half."

The guy left.

The barber turned to a friend and said, "Hey, Bill, do me a favor. Follow that guy and see where he goes. He keeps asking how long he has to wait for a haircut, but then he doesn't ever come back."

A little while later, Bill returned to the shop, laughing hysterically.

The barber asked, "So where does that guy go when he leaves?"

Bill looked up, tears in his eyes and said, "Your house."

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 Aliens are coming to abduct all the good looking and sexy people.

You don't have to worry you will be safe.

 I'm just e-mailing to say good-bye

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Remember the trip through life
is on a one way street.

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The Dollar Stretcher
by Gary Foreman

Avoiding Payment Pain

Dear Dollar Stretcher,
I was really scammed on my 2007 Durango and now I can't afford the lease payment of $900 plus a month. I don't know what to do. The dealership won't return my calls. I am in trouble and I can't get out.
CB

Dear Dollar Stretcher,
I have a situation and I don’t know what to do. I am in a vehicle that I am upside down in by $8,500. The vehicle is worth about $1,500. The vehicle is having a lot of mechanical problems and I have already spent over $3,000 to fix it. How can I trade the vehicle in and get a car payment that I can afford?
Kate

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Many people are having trouble with their auto loans, leases or payments. In fact, according to Kelley Blue Book nearly one third of all drivers owed more on their vehicles than they were worth. So lots of people have similar problems.

And, our cars aren't the only place that we're seeing similar problems. Many homeowners are struggling to keep up with adjustable mortgage payments that are increasing. Much has been written on the troubles with the 'sub-prime' mortgages.

We won't attempt to tell people how to get out of these situations. Partly because there's already been a lot written about it. And partly because there aren't any real good answers.

Once you're upside down in a car or living in a home that you can't afford there's no easy solution. There is no painless way out. In fact, the choice is usually between taking your lumps now or putting them off and suffering even more later.

These problems usually have one of two causes. Either the consumer bought something that required making payments that they couldn't afford, or, in the interest of getting "affordable payments" they stretched out their payments which left them owing more than the house or car was worth for a long time.

So let's see if we can't help people to avoid these painful situations. Like most disasters, there are some warning signs that the smart consumer can look for. Let's examine a few.

The first is a simple question: what if? Before you sign the papers to buy a house or car (and commit to the payment) ask yourself what would happen if you lost your job. Or got sick for awhile. Or became pregnant. Or any other significant life event. Would you be able to make your payments or would you have a crisis on your hands? Life happens. A wise person is not surprised when it does.

Another good question is: are you close to the edge? There are budget guidelines that suggest limits for spending on houses and cars. How close to that edge would this commitment take you? It's always wise to leave a margin for error. Don't let a salesperson convince you that you can spend more than the guideline and make it up somewhere else. It won't work. At least, not for long.

When you're poised to take the keys to a shiny new car it might seem like you won't miss your weekly Friday night dinner out with friends. But six months down the road you'll begin to resent the payment. It's easy to get talked into buying a house or car that you can't afford. But the salesperson will not be there when the payments begin to hurt. At that point, like CB, you'll be alone with your problem.

Next question: How long could I be stuck? Sure, we all like "affordable payments."  But usually that means that you're not paying enough (or any) principal. So you build up equity much more slowly.

It's hard to sell something if you owe more than it's worth. Yes, you can roll some 'negative equity' into a newer car. But that only makes the underlying situation worse. Instead of being upside down for the first three years of the car loan, now it's four or five. Are you sure that you'll want to be driving it that far down the road?

Being stuck in a home could potentially be even worse. You may want to move to a new city for a job or to be with a sick relative. If you owe more than your home is worth you could be without options.

How can you know whether you're upside down in your home or auto? The best way is to graph out the value of your home/auto and the amount of equity you have in it (i.e. the value of the item minus what you owe on it). Most consumers probably won't bother to do that.

The next best thing is to take a good guesstimate. For autos, you probably should figure that you'll be in negative territory until about the last year of your payments. Maybe two years if you have a newer car that holds it's value well.

That works reasonably well for a car where you can predict future value. For your home it's purely a matter of guessing what your home will be worth in the future. And, that's not nearly so easy. So if you do a zero down payment, interest only loan, you're completely dependent on the housing market. You have almost no control over your situation.

What's the morale to the story? It's a wise person who anticipates future problems and avoids decisions that could easily lead to pain later. They may live in a little smaller home and drive a little older car. But by avoiding problems they actually have a better quality of life.

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Gary Foreman has worked as a Certified Financial Planner and currently edits The Dollar Stretcher website http:www.stretcher.com You'll find hundreds of free articles to help you save time and money. Visit Today!

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Stress Matters

You will find this "Stress Tip Message" helpful to stay focused and on purpose with less stress by reading it often throughout the day.

Focus on the positive, and embrace life.

- Dr. Rae

~ Need help with this "Weekly StressTip"? Invest in yourself, contact The Baum Group at www.YourStressMatters.com/contactus.htm ~

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The reason they won’t find a cure for cancer,
is that if a cure is found, too many drug
companies will go out of business.

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Best Wishes
Bob
Copyright - 2004

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