Your Tip of the Day

by Bob Osgoodby

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In this Issue

** Tip Of The Day –  Downright Rude

** Something to Think About by Jan Tincher

** Food For Thought by Dr. Kevin Nunley – Keep Your Offer Simple

** Quote of the Day

** A Little Levity – Things not to say to a Cop

** The Dollar Stretcher by Gary Foreman – Customized Budgeting Software

** Publications of Interest

** Stress Matters

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still
Tip of the Day

Downright Rude

I have a sister-in-law who insists on forwarding email that has been previously forwarded a number of times and in order to read it, I have to wade through hundreds of other email addresses that it has been sent to in the past before I get to the message. The message is usually some inane joke, but every once in a while, there is a funny one.

I showed her how to eliminate all those hundreds of addresses that she is sharing with everyone else in the world, but I guess they're rude too and don't care either. But these same people will complain bitterly when their address is included to one of their friends who just joined an MLM, and starts flooding their inboxes with their junk trying to hook them into joining.  It got to the point that I simply filter all her email to trash. Her rationale for doing this is that she doesn't have time to do this. Well, I got news for her. I don't have the time to wade through all that nonsense to read her "stuff."

If you get an email like this, simply send it to yourself or the first person on your list, as if it is a new email. Then using the BCC (Blind Carbon Copy) feature of your email, list everyone else you want to get it.  Most decent email clients (programs) have a built in address book that allow you to have multiple email addresses under one heading. You can then send it to that group and none of the email addresses will show.

Before sending it, place your cursor at the beginning of what you want to send and while holding down the shift key, go the very beginning of the email. Notice that all those other email addresses are highlighted - hit the delete key.

Now, all you have left is the original note, or joke as the case may be. Now you can send it. Isn't common courtesty worth a few extra seconds of your time? Why not copy and paste this tip by placing your cursor at the beginning and while holding down the shift key, go the end and while still holding down your shift key, place your cursor on "Edit" and select "Copy." Then, open "Notepad" and paste it in a suitable place that you will remember. Then, when you get a forwarded email that has circled the globe several times, you can copy and past it, and send them this friendly advice.

Let's face it - more and more people are passing along things they think are of interest to their friends. Are you a considerate emailer, downright rude, or just so dumb, you shouldn't be allowed access to a computer?

Now if you get "persnickety" and have to send me a "hate mail" because of this tip - that's OK if you are a considerate emailer. <G>

Bob

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Something to Think About by Jan Tincher

Do you know that sometimes we anchor people and we don't even know it?

Visualize this anchor: You're at a funeral. You touch the shoulder of the widow, look her in the eyes, and say *I am so sorry for your loss.*

How is she anchored, you ask? When a person is in a deep frame of mind -- and grief is definitely one of the deepest -- and they are touched, that same type of touch, no matter where she is, will trigger a deep sense of loss.

Be aware of anchors. If a person is laughing like crazy, that is another deep state. It's also a good time for an anchor. Put your face in front of that person's -- not too close, just be noticeable -- and touch her shoulder and laugh with her. She'll remember you fondly.

An article that will help is: You Can Learn Easier By Triggering
You can find it here:
[Http://www.tameyourbrain.com/learneasier_triggering.htm]

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

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Stupid Quotes

"We are trying to change the 1974 Constitution, whenever that was passed."

- Donald Kennard, Louisiana state representative

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Food for Thought
by Dr. Kevin Nunley

Keep Your Offer Simple

When things get complicated, customers bolt.

Have you ever been to a website that makes an offer, then compounds it with stipulations, overwhelming you with complicated wording and conditions? If so, you probably didn't stay there long.

On the web, people are always a little more wary of the products and offers. They can't see or touch them, so they have to rely on the information you provide to judge whether or not they want what you have to offer.

But things like complicated wording, too many instructions, too many steps, etc. will all make potential customers suspicious. They'll wonder what you're trying to hide in all those unnecessary words and steps.

Or, those potential customers will simply tire of sorting through all the instructions and stipulations associated with your offer. After all, they can always find another site that won't require them to decipher a code to get what they want.

Use simple wording, short sentences, and brief paragraphs to keep the information you need to convey concise, easy-to-read, and simple to understand. And if you offer a bonus, don't require potential customers to jump through hoops to get it.

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

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Quote of the Day

"Don’t ask for it to be easy, ask for it to be worth it."

 - Dan Kuschell, Speaker and Author

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Grins

Something not to say to a Cop
=-=-=-=-=-=-=-=-=-=-=-=-=-=-=

Bob was driving home after spending a great day on the lake fishing. His catch, cleaned and filleted, was wrapped in newspaper on the passenger side floor. He was late getting home, so he was speeding just a little bit. As he was crossing a bridge, a cop jumped out, radar gun in hand, and motioned Bob to the side of the bridge. Bob pulled over like a good citizen.

The cop walked up to Bob's car and said, "You know how fast you were goin', boy?"

Bob thought for a second and said, "Uh, 60?"

"67 MPH, BOY!! 67 MPH in a 55 zone!!!" said the cop.

"If you already knew, why'd you ask me?", Bob snarled back.

Fuming over Bob's answer, the officer growled, "That's speeding, and you're getting a ticket and a fine!"

The cop took a good close look at Bob in his stained fishing attire, and said, "You don't even look like you have a job!! Why, I've never seen anyone so scruffy in my entire life!"

Bob answered, "Hey, I've got a job... a good job!"

The cop leaned in the window, sniffing the foul air, and said, "What kind of a job would a smelly bum like you have?"

"I'm a rectum stretcher!" Bob replied.

"What the hell does a rectum stretcher do, Boy?" asked the cop.

Bob explained, "When someone needs to be stretched, I'm the one who does it. I start with a couple fingers, then a couple more, and then one hand, then both hands. Then I slowly pull them farther and farther apart until the rectum is a full six feet across."

The cop, absorbed with this bizarre image, asked, "What do you do with it then?"

Bob replied, "Give it a radar gun and stick it on the end of a bridge!"

Bob should be out in another 30 days or so.

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In 1947 Milton Berle was one of the biggest names in comedy. But as his career rose, his marriage failed, leading to a divorce from his wife Joyce Mathews. Two years later, Berle and Mathews got married for the second time. Why marry the same woman all over again?

"Because," Berle explained to reporters, "she reminds me of my first wife."

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An Army private filling out a questionnaire for a correspondence course was stymied by the question, "How long has your present employer been in business?"

He thought for a moment, then wrote, "Since 1776."

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A passenger is in a plane enjoying the view of the clouds when a man in a parachute appears at the window. The man says "Would you like to join me?"

The passenger responds with, "No thanks."

The man says, "Suit yourself, I'm the pilot."

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A person without a sense of humor is like a wagon without springs
jolted by every pebble in the road."

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The Dollar Stretcher
by Gary Foreman

Customized Budgeting Software

Hi Gary, I have a budgeting question. I am in search of some type of budgeting tool that allows me to input my annual income, regular monthly bills (utilities, mortgage, vehicle insurance, etc.), and other "self inflicted" debt such as credit cards and loans (other than mortgage). Then, I want it to calculate what I should budget for particular items based upon my income and the monthly expenses mentioned above. For instance, how much should I budget for clothing, groceries, and personal expenses (haircuts) while trying to pay off my "self inflicted" debt? Is there such a tool in existence? I have Microsoft Money on my computer, but it only generates charts that show me how much I am spending on those items, not what I should be spending based on my income versus debt ratio. Any suggestions? R H

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RH faces a common problem. Without a benchmark, how do you know if you're spending too much? And, better still, if such a benchmark exists, could it do all the calculations for me?

It's a good question, especially when you're trying to payback what RH calls "self inflicted" debt. And, yes, it would be nice if some piece of software would do it all for us.

As RH said, Microsoft Money does generate charts that show how much she's spending in various areas. Most budget programs have a similar feature. RH can compare those charts to a "typical" budget.

As a side note, I like to work with "after tax" figures. We can all relate to what we take home in our paycheck. How much we can spend in any area is determined by multiplying our pay by the percentage for that category.

One guideline allocates "take home pay" this way:

Housing..............34%
Food.................16%
Auto.................15%
Insurance.............5%
Debt Repayment........5%
Entertainment.........7%
Clothing..............4%
Savings...............5%
Medical...............5%
Everything Else.......4%

RH can take her existing expenses and see how they compare to the guideline. Most budget software and professional advisors are reluctant to provide a one-size-fits-all budget plan. That's because every family is different. These guidelines should be modified for family size, age and number of children, and a number of other factors. They are a starting point for discussion. Nothing more.

For example, suppose that "self inflicted" debt repayment requires more than 5% of her after-tax pay. That's not uncommon. Often one or two of the categories are higher than average. Let's face it, most people's lives don't fit neatly into the average.

One oversized category could be ok. For instance, maybe housing consumes 38% of RH's money because she lives in Los Angeles or New York. The only way to reduce it would be to live in her car or move out of the area. But, RH knows the best places to reduce her spending so she can continue to repay debt. That's where a computer cannot replace human effort.

She knows that her good driving record means lower than average insurance rates. And, only she knows that haircuts are important to her. So she can't reduce there. It's going to take RH's time and knowledge to determine which areas can provide the needed savings.

She may run into trouble. Finding a percent or two is one thing. But carving 5% or more out of other categories can be difficult. The problem is that about two thirds of the average budget is consumed on housing, food and auto. The best place to find some extra money is in those areas. If you can't make up the 5% there, it's difficult to find that much in the smaller remaining categories.

If any category is more than 5% above the typical, she'll have real trouble living within her income. For instance, if debt repayment is 11% of her income or housing consumes 40%, RH will find it very hard to make up the difference somewhere else.

When one category is that far out of the average, the best way to solve the problem is to reduce spending in that specific category. That could require drastic action like trading a car you can't afford for one that's within your budget. Or not cruising the mall shopping for clothes each weekend. Or moving to an affordable home.

If debt is the problem, RH might want to consider debt consolidation, credit counseling or even bankruptcy if the debt is simply too much to repay. Of course, if she can begin to repay the debt, each month will get easier since the amount owed will be a little lower.

Whatever her circumstances, RH can use the budgeting software that she has, compare her spending to some guidelines, make adjustments that fit her lifestyle and then determine what corrective action needs to be taken. It'll take a little work, but will give her a better answer than any one-size-fits-all budget template.

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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

Feeling great is being heard and validated.  Everyone wants to be heard and validated.  Being validated --
valued as you are -- begins with you.  So, value yourself and others!

- 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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Best Wishes
Bob
Copyright - 2004

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