Your Tip of the Day

by Bob Osgoodby

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- 10/21

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In this Issue

** Tip Of The Day – Complete Delete

** Something to Think About by Jan Tincher

** Food For Thought by Dr. Kevin Nunley – Crazy Stunts Get You Noticed

** Quote of the Day

** A Little Levity – Overqualified

** The Dollar Stretcher by Gary Foreman – Selecting a Broker or Financial Planner

** Publications of Interest

** Stress Matters

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still
Tip of the Day

Complete Delete

When you delete a file from your computer do you send it to the Recycle Bin and then empty that? Do you then think that took care of it for you? Depending on the Recycle Bin to remove the data from your computer "for good" is a popular misconception.

In all actuality, when you delete a file from your computer, your system recognizes that there is some open space, but the file is still on your hard drive. You see, your computer will mark the space as "available," but until Windows decides to reuse that space, the file is still in there. Along with that, it's hard to tell when Windows will cover up that space, so the information you wanted removed could linger around for quite some time.

There are utility tools, that you can use to get the job done and there just so happens to be several available on the Internet today. There are various different kinds, depending on how much deleting you're going to be doing. Some of the more popular shredders are ShredIt, Wipe & Delete and File Shredder 2000.

Whenever there is a crime scene investigation, one of the first things the investigators take is the computers. Why? Because most people don’t realize you can “undelete” a file that you might think is gone. If you have any type of information on your computer that would not like to share with others, this is a smart move.

Bob

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Something to Think About by Jan Tincher

Do you feel stupid?

Why not mentally say this to yourself several times a day: *My mind is like a sponge. I want to know the answer to everything.*

Guess what? Pretty soon you will have many of the answers, because your brain will start acting like a sponge and absorbing things at a rapid pace.

Here is an article that may help:  Do You Have Beliefs
That Don't Serve You?  You will find it here:
[http://www.tameyourbrain.com/beliefsthatdontserve.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

They're the second-best team in the world and there's no higher praise than that.

- Kevin Keegan, Radio Announcer

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Food for Thought

Crazy Stunts Get You Noticed

No matter your business, it could probably always use more exposure. Well, believe it or not, simply doing something wacky in front of other people will always get the job done (even if you look like a nutcase doing it). People may think you're funny, creative, desperate, or just plain crazy. But no matter what people think of you, you're sure to get some attention, and that's exactly what you need.

Pulling a crazy stunt doesn't have to cost you a lot, either. Why not simply rent an unusual costume, then stand on a busy street corner with a sign around your neck? Wave to passing motorists, hand out flyers, distribute free samples, or just make some noise to get people in the door.

At the very least, you'll leave a mark on the minds of several hundred people, even if they only wonder what makes you crazy enough to pull a stunt like that. Who knows...you just might end up on the local news. And even if people don't stop in and buy, they'll at least remember you.

If the local crowd doesn't interest you, how about doing something outrageous online? Put together a web site of silly video clips, cartoons, or jokes. Register the site with search engines and let people browse. In prominent places on the site, place a link to your business. Your joke site may not have anything at all to do with your business, but if you're looking for plain old-fashioned attention, that really doesn't matter

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Trivia

Being made of tomatoes, you'd naturally expect ketchup to be red, wouldn't you? But in 2000, the Heinz company launched the first of its colored products, green ketchup,  aimed at appealing to the youngsters who would pressure their parents to buy that one, and not red. And it worked. That year, Heinz enjoyed the biggest sales increase for ketchup in the company's history.

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Quote of the Day

"I think, at a child's birth, if a mother could ask a fairy godmother to endow it with the most useful gift,
that gift would be curiosity."

 - Eleanor Roosevelt, US First Lady and Writer
 

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- 11/22

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Grins

Overqualified
=-=-=-=-=-=-=

The woman applying for a job in a Florida lemon grove seemed way too qualified for the job.

"Look Miss," said the foreman, "do you have any experience in picking lemons?"

"Well... as a matter if fact, Yes!" she replied. "I've been divorced three times."

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My Parents had not been out together in quite some time.

One Saturday, as Mom was finishing the dinner dishes, my father stepped up behind her.

"Would you like to go out, girl?" he asked.

Not even turning around, my mother quickly replied, "Oh, yes, I'd love to!"

They had a wonderful evening, and it wasn't until the end of it that Dad confessed.

His question had actually been directed to the family dog, lying near Mom's feet on the kitchen floor.

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"Bless me Father, for I have sinned. I have been with a loose woman."

The priest asks, "Is that you, little Tommy Shaughnessy?"

"Yes, Father, it is."

"And, who was the woman you were with?"

"Sure and I can't be tellin' you, Father. I don't want to ruin her reputation."

"Well, Tommy, I'm sure to find out sooner or later, so you may as well tell me now. Was it Brenda O'Malley?"

"I cannot say."

"Was it Patricia Kelly?"

"I'll never tell."

"Was it Liz Shannon?"

"I'm sorry, but I can't name her."

"Was it Cathy Morgan?"

"My lips are sealed."

"Was it Fiona McDonald, then?"

"Please, Father, I cannot tell you."

The priest sighs in frustration. "You're a steadfast lad, Tommy Shaughnessy, and I admire that. But you've sinned, and you must atone. You cannot attend church for three months. Be off with you now."

Tommy walks back to his pew. His friend Sean slides over and whispers, "What'd you get?"

"Three month's vacation and five good leads," says Tommy.

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If the world were a logical place,
men would be the ones who ride horses sidesaddle.

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The Dollar Stretcher
by Gary Foreman

Selecting a Broker or Financial Planner

All the talk around the water cooler is about who made money in the stock market. And you're beginning to feel like the only person who hasn't joined in. You know that you need to plan for retirement, but right now you're on the 'hope plan'. That's where you hope you have enough money later. In fact, you've been meaning to find a stock broker or financial planner to help you. But even that's tough, since there are so many of them. So let's see if we can't learn how to find a good stock broker or financial planner.

To start we need to have an idea of what we want to accomplish. If your goal is long term, you'll want someone who has a stronger background in financial planning. On the other hand, if your goal is to make a few fast bucks in the market you'll want to find someone who has experience trading stocks. The odds of finding someone who's excellent in both areas is slim.

In fact, it takes a different type of personality for each to succeed. The stock broker needs to be a risk taker. A good broker must be able to understand financial reports, but also be plugged in to good sources of information. While they're not allowed to trade on insider information, some brokers just seem to be closer to good information.

A good financial planner has a different style. Much of their strategy isn't taking risks, but rather minimizing them. And that's just as it should be. Working towards a long term goal puts time on your side. The trick isn't to make money quickly. Rather you want to keep from losing too much money no matter what happens in the future. That means that more than one strategy will work if you give it enough time.

Now that you have an idea of whether you want a planner or broker, how do you know who to choose? Let's begin by making a list of potential candidates. Ask your relatives, neighbors, co-workers and any one that you respect who they use. Get a name, firm and phone number. Ask your friend what's the worst thing about working with their advisor. That answer alone should eliminate some candidates.

If you ask around you should be able to collect between four and six names. The next step is to follow up with a phone call. Tell the receptionist that you're looking for a new advisor and would like to talk with them now or make an appointment for later. Don't be disappointed if they don't put you through. If the advisor is successful you would expect them to limit interruptions.

When you do speak with them you'll want to refer to a list of questions that you've already prepared. Verify before the meeting that it is a free session.

What you expect to accomplish in an interview will vary for brokers and planners. With a broker you'd expect him to brag about his results a little. Part of the selection process is listening and deciding how much of what they say is 'brag' and how much is 'fact'.

You'll also want to see what types of questions they ask you. Part of the process for the broker should be to determine your experience in the market, ability to take risks and goals. And they shouldn't be willing to accept 'make a lot of money' as a goal. They should insist that you provide a rate of return that you expect. If they fail to do that, neither one of you will know what you really expect to accomplish.

When you interview a candidate to be your financial planner you'll want to find out about their philosophy of wealth accumulation. They should ask you detailed questions about your current net worth, income/expenses and financial goals. Also expect them to ask about your experience with investments. Good planners want to find out how much you know about the subject. A good planner is a lot like a doctor. You need to be willing to take off your financial clothes if they're going to do any good.

You'll also need to ask the planner how they charge. Some earn commission on investments. Others charge on an hourly basis or even ask for a percentage of your wealth each quarter. Fees can vary dramatically. You can expect to pay in the $1,000 range for a financial plan. Hourly rates are in the $100 per hour range. If those rates seem prohibitive, you might need to consider a planner that charges a commission on the investments they recommend.

Many planners have achieved professional certification. And, unfortunately for consumers, there are a number of them that planners can obtain. The Certified Financial Planner (CFP) designation is granted to people who pass five courses. Having taken the courses, I can vouch that it is possible to fail! The courses cover insurance, taxes, retirement planning, investments and estate planning.

You might also come across someone who is a Chartered Financial Consultant (ChFC). The program began back in 1982 and over 30,000 people have earned the designation. There are 10 courses involved in completion. Typically people coming from an insurance background are more likely to earn this designation.

Certified Public Accountants are also offering 'fee only' financial planning. That means they don't earn any commissions on the investments you make. If you have some tax problems that could a good route to take. But, remember that they're background is in taxes, not investments.

You'll also probably wonder if you couldn't do it yourself. And for many people the answer is yes. There's a wealth of information available. Between your library and the internet you have a wealth of resources.

But, before you decide, remember what you expect that professional to do. You'd want your stock broker to be continually talking stocks with a wide range of experts to help him find the next winner. A couple of buddies at the golf club is not the same thing. A financial planner needs to be familiar with investment strategies, tax laws and a wide range of issues. Again, it's great to read Money magazine. But, that doesn't put you on the same plane as someone who works in the field every day.

Selecting a broker or planner is a very personal experience. Taking a little extra time and effort now could pay dividends for many years.

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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

Be certain about getting what you ask for before you ask for what you want.  Ask as if you expect to get what you want

- 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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All I ask is a chance to prove that
money can't make me happy.

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Best Wishes
Bob
Copyright - 2004

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