Your Tip of the Day

by Bob Osgoodby

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- 1/31

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In this Issue

** Tip Of The Day –  Web site animations

** Something to Think About by Jan Tincher

** Food For Thought by Dr. Kevin Nunley – But We Tried Everything!

** Quote of the Day

** A Little Levity –  Special Promotion

** The Dollar Stretcher by Gary Foreman –  Save $100 or More This Winter

** Publications of Interest

** Stress Matters

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Welcome

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still
Tip of the Day

Web site animations can be very distracting and sometimes downright annoying. Maybe you're visiting a site to do some research and all you can concentrate on is the flashing picture. Well they are pretty easy to get rid of.

Here's how you do it. In Internet Explorer:

1.) Go to Tools, Internet Options.

2.) The Internet Options dialogue box will open.

3.) Click on the Advanced tab.

4.) Scroll down until you see the Multimedia section. Disable the option that says "Play animations in Web pages" by unchecking the box.

5.) Click OK when you're done.

That was pretty easy, huh?! So, from now on, you will still see the images of the animations, but they will be still. They won't move around any longer. No more distraction here!

Bob

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Publish your ad in the Tip of the Day Newsletter and get your
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and in an html version - with a graphic - for the online issue.

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Something to Think About by Jan Tincher

It is said that nature doesn't like a vacuum. It continually tries to fill it.

That being the case, why don't you throw/give away your old clothes that you don't use or want anymore? Don't use or want being the operative terms here. The same with furniture, books, jewelry, etc. If it is true that nature doesn't like a vacuum and continually tries to fill it, then something will come along to fill up that space.

Why not step out in faith and let nature take its course.

An article that might help is: Being A Packrat Hurts You can find it here: [http://www.tameyourbrain.com/beingpackrat.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:
http://www.tameyourbrain.com/success/index1.htm

 happened -- and that may not happen. Have faith. Share that faith.

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This is one you don't want to miss.  It is not your average program. Everyone gets paid, not just the people at the top. Plus you don't have to recruit and you will still make money.  You've seen the advert a million times. Maybe it's time to take the leap??  There is a good reason why there are so many Giblink ads about.......

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1/31

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Stupid Quotes

"Louisiana is a city that is largely under water."

- Homeland Security Secretary Michael Chertoff,

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Food for Thought

"But We Tried Everything!"

Occasionally I meet a business that has done a TON of marketing but still isn't selling much. It isn't that they haven't tried. The list of marketing they attempted can be staggering.

If thousands and millions of prospects are learning about the product or service, why aren't any of them buying?

Here are some common reasons even well-promoted products don't sell.

There isn't any real market for the product. It may seem like a great idea, but nobody wants it--at least, not yet.

Customers don't think your business is qualified to sell the product. One man knew his medium-sized business could supply the needs of major customers, but they didn't buy until his company grew into a big corporation. "We could have served them just as well before, but they wouldn't buy because they thought we weren't big enough."

Your advertising isn't targeted to the right market. This is probably the most common problem. A company markets with a media that reaches a mass audience (like TV or daily newspapers) but reaches too few of their customers who belong to a specific group.

Tightly targeted media don't always reach the audience they claim to reach. Try running a test first to see if you get results before spending big bucks.

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

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Trivia

Calcium isn't just important for building and maintaining bone
mass; studies now show consuming high levels of calcium may also
help reduce the risk of colon cancer.

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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

Special promotion
=-=-=-=-=-=-=-=-=

One of those discount airlines recently had a promotion where they offered free air-fare to wives who accompanied their husbands on a business trip. Seeking some valuable testimonials, the PR unit of the airline sent out letters to the wives who took advantage of the offer.

I understand both written and telephoned responses are still flooding their offices asking, "What trip?!?!?"

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A friend of mine was in the hospital awaiting the arrival of her first child. When I telephoned the hospital to see if the baby had arrived, the nurse said it had. I asked if it was a boy or girl and was told that it was against hospital policy to give this information over the phone.

"Fine," I said. "I can understand that. But can you tell me what she didn't have?"

"It wasn't a boy," came the reply.

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The reception had ended and the newlyweds had just snuck off to the honeymoon resort. After supper and champagne, the groom retired to the bedroom. But Julie pulled a chair up to the balcony doors and sat there, gazing at the stars.

"Dear," asked the somewhat impatient husband. "Aren't you coming to bed?"

"No," Julie announced. "My mother told me this was going to be the most beautiful night of my life, and I don't want to miss a single minute of it."

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Overweight is something that sort of snacks up on you.

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The Dollar Stretcher
by Gary Foreman

Save $100 or More This Winter

According to the Department of Energy, the average family spends $1,300 per year in energy in the home. More than half your home energy usage is consumed by heating and cooling your home. These were among the facts I found reviewing material from the Department of Energy and the Alliance to Save Energy. Let's take a look at this information and see if we can't find some savings.

A properly insulated house does reduce energy usage. The DOE says that spending a few hundred dollars on insulation and weather-stripping can save you up to 30% of your heating and cooling bills. That 30% savings would be $195 for the average family each and every year.

Even if your home has been built in recent years, you might not have enough insulation. Some local building codes do not require the optimum amount of insulation. To save in construction costs, they may have allowed less than you'd want.

Even renters should consider weatherizing their residence. If you pay for your heating and cooling, many of these suggestions will more than pay for themselves in a matter of months. Your landlord might be willing to supply the materials if you do the work.

Let's begin with a quick course in insulation. It is typically available in four types. Each kind is designed to be used in different portions of your home.

A "batt" is a rectangular piece that's made to fit between your ceiling joists or wall studs. By purchasing the correct width, only a small amount of cutting is required. Most batts are made of rock wool or fiberglass. They're rated by "R-value". The higher the R-value, the more insulating occurs. In most cases, a thicker batt will have a higher R-value. The temptation is to buy the thickest batt available. After all, it doesn't cost much more. But don't buy batts that are thicker than the space available for them. For instance, if you buy a five-inch batt and install it between two by four studs, you'll end up reducing the R-value of the batts when you compress them.

"Roll" insulation is just that: a large roll of insulation that you unroll over your attic floor. They're very similar to batts, except that they're in roll rather than sheet form. You'll be surprised at how easy it is to add this type of insulation. It's almost as simple as opening a large bed-roll.

"Loose-fill" is designed to be blown into areas that aren't easily accessible, such as between existing walls. The insulation is made of rock wool, fiberglass or cellulose. Adding loose-fill requires professional equipment. Naturally, this increases the cost. But, if you need more insulation in exterior walls, it may be your only option.

"Rigid foam boards" resemble a thick sheet of plywood made of insulation. They can be cut to fit and even provide some structural support. The boards are made of expanded or extruded materials and can be used in walls, ceilings and confined spaces. Rigid foam represents the high tech end of insulation products. They're easy to use and offer a high R-value for the thickness required.

Generally, the first place you'd want to add insulation is in your attic. And it's easy to tell if you would benefit from adding some. Just measure how deep the insulation is. If it's less than 5 or 6 inches, you should add insulation. Next consider your basement and exterior walls, floors and finally crawl spaces.

Now that your home is properly insulated, it's time to tackle the other half of the job. That's eliminating openings that allow air to move between inside and outside your home. Air leaks can increase your heating and cooling bills by 10%. That's $65 per year. If you spend some time this weekend caulking, sealing and weather-stripping your home you'll be rewarded all winter. Have you ever yelled at your kids for leaving the door open? You'll be interested to note that the leaks in the average home, when combined, are like having a 3' X 3' window open.

Finding leaks is a combination of logic and detective work. Begin by looking for joints between materials. Any place that wood, concrete, bricks, aluminum, water pipes, electrical conduit, and glass meet you'll find a potential leak. Start with a visual inspection. Then wet your fingertip and hold it next to places that could be leaking air. You'll feel a small draft if there's an opening. You may want to burn an incense stick and watch the smoke. If it moves sideways, you've found a leak.

Weather-stripping is meant to fill gaps between moving parts like the door and its frame. Caulking is used where non-moving parts meet, like the window frame and the wall. There's a dizzying array of both available. And the only tools you'll really need for this job are a caulking gun and a hammer: no fancy power tools to buy or rent.

Whether you're an expert or a beginner, the best way to simplify the job is to make rough sketches of the areas that you want to weatherize. Remember to note the types of material that you want to seal. You'll need that info to make the proper selection of materials. Then visit your local hardware center with the sketches. They'll be happy to show you various caulks and weather-strips for your specific applications.

Even if you need to do extensive caulking and weather-stripping, you'll find that $30 to $35 goes a long way. This is definitely one of those projects where doing it yourself can save money. Finally, remember that proper insulation and weatherizing is an essential part to good home maintenance. Not only does it keep out the wind, but also bugs and water that can damage your castle. So there you have it. A simple do-it-yourself type project that doesn't require special skills, that has relatively low cost materials, and provides benefits that keep coming for years. Don't know about you, but I've got a step-ladder and a caulking gun waiting for me.

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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.

Life is a series of hurdles. You can overcome any hurdle with good intentions, perseverance and a positive "can-do" attitude.

- 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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If it doesn't fit, use a bigger hammer.

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Best Wishes
Bob
Copyright - 2004

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