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 – Desktop Freeze Up

** Something to Think About by Jan Tincher

** Food For Thought by Dr. Kevin Nunley – No More Scrambled E-Mail

** Quote of the Day

** A Little Levity – Familiar

** The Dollar Stretcher by Gary Foreman – My Son's Auto Loan

** Publications of Interest

** Stress Matters

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Welcome

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still
Tip of the Day

Desktop Freeze Up

Every once in awhile, your desktop may freeze up. You could be working in a right click menu and when you're done with it, instead of it disappearing like it normally does, it will stay on your screen. Sometimes this happens when you're trying to double click on an icon as well. Has that ever happened to you? Hopefully you know a little better of what I'm referring to now.

So, what can you do to "unfreeze" the desktop? Well, if you have a right click menu open, just click on Refresh. The desktop will go back to its normal state. If you're having trouble with something else, go ahead and right click. The same menu will pop up and you can select Refresh from there. There's always a way to turn things around! So, go ahead and give your desktop a refresh!

Bob

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Advertising is JUST GOOD BUSINESS!

Publish your ad in the Tip of the Day Newsletter and get your
message out to over 60 thousand people.!

Ads will be in text format for the text version of the issue,
and in an html version - with a graphic - for the online issue.

Newsletters are permanently archived at:
http://www.adv-marketing.com/business/tod.htm -
so your ad is on the web even after your ad has expired in the text version of
the Newsletter. What a great way to build link popularity for your business.

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Something to Think About by Jan Tincher

Do you know what the best kept secret of success is?

Your brain doesn't know the difference between something real and something repeatedly and vividly imagined.

Did you have an experienced that wasn't good? Why not get your brain busy seeing vividly, and repeatedly, a better experience. When your brain tries to think about the *real* experience, shift immediately to your visualization of a better experience. Do that continuously. Pretty soon, your thoughts will just go to the visualization.

An article that will help is:  What Is Your BioComputer Saying? You will find it here: [http://www.tameyourbrain.com/biocomputer.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

"I make Jessica Simpson look like a rock scientist."

- Actress Tara Reid

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Food for Thought

No More Scrambled E-Mail

E-mail doesn't work very well with attached documents in proprietary formats. In plain English: if you send your Word document as an attachment, you often get a note back from the person you sent it to saying "your document was scrambled."

There are e-mail services and programs that are supposed to solve this problem, but it still crops up for many of us with frustrating regularity.

One solution is to save your document in "text" before you send it. E-mail has no problem transmitting text. Any word processor can read text. It doesn't matter if the person who reads your document is using Word, WordPerfect, the text editor you sister designed, has a PC, or a Mac. Save your document as "plain text," "DOS text," or "acii"...all work.

"But my document looks so PLAIN in plain text!" you say. There is a solution. Save your fancy Word document in "Rich Text." Your headlines, bold type, and eye-catching formatting will appear almost the same as your original. Yet it is in text which transmits fine over the Internet.

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

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Trivia

According to a professor at the University of Michigan, men are six times more likely than
women to be hit by lightening.

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- 11/26 - Warning - A person claiming to be Kim Skivington, kskivy7@aol.com, placed an ad in this Newsletter on 9/23, let it run for three weeks and then contested the credit card charge because she stated she didn't know what the charge was for. Repeated emails to her with copies of her ad and her credit card receipt were sent to her but were unanswered. The number she gives in the ad belongs to Global Cash Flow Network. A call to them told the story.  Before doing business with this company I recommend that you do a "Google" on Global Cash Network and make up your own mind - Bob

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Quote of the Day

"There is a huge difference between active relaxation and passive relaxation.  Active relaxation refreshes and restores the mind.  It keeps it flexible and toned for thinking. Great thinkers have known this secret for a long time. Winston Churchill used to paint to relax.  Albert Einstein played the violin.  They could relax one part of the brain while stimulating another.  When they returned to workaday pursuits they were
fresher and sharper than ever."

 - Steve Chandler, Author

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- 11/22

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Grins

Familiar
=-=-=-=

Judge,
"I know you, don't I?"

Defendant,
"Uh, yes."

Judge,
"All right, tell me, how do I know you?"

Defendant,
"Judge, do I have to tell you?"

Judge,
"Of course, you might be obstructing justice not to tell me."

Defendant,
"Okay. I was your bookie."
 
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Why is "abbreviated" such a long word?

Why is it that doctors call what they do "practice"?

Why is lemon juice made with artificial flavor, and dishwashing liquid made with real lemons?

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The relatives of the family's rich dowager gathered for the reading of her will after her long awaited death.

"Being of sound mind," read the lawyer, "I spent every last cent before I died."

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You can train a cat to do anything it wants to do.

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The Dollar Stretcher
by Gary Foreman

My Son's Auto Loan

I brought a car under my name for my son. After 4 months of payments now he says he can't afford it. There are 6 years on the car loan. Is there anything that can be done. I can't keep the car. I have a car loan myself. How do I get out of the loan?
Donna

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Donna has definitely allowed herself to be backed into a corner. But she has plenty of company. The average car loan is now 70 months (source: Bankrate.com). That's just shy of six years!

And, because Junior either didn't have sufficient credit or his credit was too bad to get a loan Donna had to put her credit on the line. Taken together, it was a financial accident waiting to happen.

So what can Donna do? She has very few options. None of them are very good. Her best financial option would be to find someone to take over the car and the payments. But finding that person will be tough. Most people would rather make an extra four payments and get a brand new car instead of one that's used.

Donna could go for a voluntary repossession. She would return the car to the loan company and hand over the keys. They'll sell it. Donna would still owe them the amount of the loan minus the selling price. She can expect that to be about 25% of the purchase price of the car. And, the loan company will come after her for payment. If she doesn't have the money and can't work out a payment plan, she'll face a damaged credit score and perhaps even bankruptcy.

Another option would be to sell her current ride. It's possible that she could sell her car for enough to cover the outstanding loan on it. That would leave her with only one car and one set of payments. Granted, it's not the car she wanted and would commit her for nearly six years. But it does have the advantage of protecting her credit score (which will be important if she ever wants to borrow money again).

Her best option? Tell Junior to suck it up and act like an adult. He obviously wanted this car. He agreed to make payments to Mom for the next six years so that he could get it. Now it's time to live up to his promise. To do anything else would be irresponsible.

Making those payments will probably mean Junior needs to adjust his lifestyle. He might need to get a second job. Or reduce a class load to get a full-time job. The changes will probably be painful to him. That's unfortunate, but simply the way it is.

If Mom lets Junior off the hook and tries to solve the problem for him she's only delaying the inevitable. It won't be long before he's having other debt problems. He'll be unable to keep up with credit card minimums. Or he'll buy another car that he can't afford. Junior will be well down the path to financial trouble.

In a way Donna is faced with an opportunity. She can help her son become a responsible adult by expecting him to live up to his commitments. If that happens any inconvenience to Junior's lifestyle will be worthwhile.

Financially Donna doesn't have many good options. They were taken off the table when she agreed to take on a six year loan for her son. But, hopefully we can be like the wise man who learns from Donna's trouble. What lessons are there for the wise?

Don't sign an auto loan for your children. If reputable lenders aren't willing to give them a loan, you shouldn't either. The chances are too great that you'll end up making the payments for them.

Children need to build up their own credit score. The best way to do that is to start small and demonstrate an ability to make promised payments. Getting an auto or home loan is the last thing you do. Not the first. And, getting Mom or Dad to co-sign the loan isn't the way to do it, either.

Secondly, a six year auto loan is too long. No one knows what their life will be like in six years. Circumstances change. What you need in a vehicle will likely change, too. It's much easier to trade rides when yours is paid for.

The only reason to extend from a four year to a six year loan is to reduce the monthly payments. The dealer will be willing to do that. But, there's another, better way to get affordable payments. Find a cheaper car.

Hopefully Donna and her son will get through this financial crisis and be much smarter the next time they go out to buy a new car.

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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.

By creating your own experiences you are accountable for your results. Stop saying, "What are they doing to me?" and start saying "What am I doing to myself?"
 
- 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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Marathon runners with bad footwear
suffer the agony of defeat.

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Best Wishes
Bob
Copyright - 2004

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