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 –  Block Offensive Email

** 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 –  At the Restaurant

** The Dollar Stretcher by Gary Foreman – Low Interest Balance Transfers - Why are the credit card companies begging to give you a good deal?

** Publications of Interest

** Stress Matters

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Welcome

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still
Tip of the Day

Block Offensive Email

You can block senders with most e-mail software. When you "block" someone, all of the e-mail they send to you gets deleted as it comes in.

In Outlook Express, just go to the Messages menu and select Block Sender to block the currently selected e-mail .  Don't try this now though or you'll accidentally block me!

OK, so how do you unblock someone you've accidentally blocked?

In Outlook Express, go to the Tools menu, Message Rules, Blocked Senders.  Just highlight the person you want to unblock and select the "remove" button.

Most other e-mail software will allow you to block people either using a similar method or by using "filters." You can set these filters to automatically send messages to the recycle bin if you like.

Bob

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Publish your ad in the Tip of the Day Newsletter and get your
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Something to Think About by Jan Tincher

Do you make mistakes?

Instead of thinking about all the mistakes you've made, how about if you figure out the *types* of mistakes you've made?

No doubt you'll find there is a pattern. Patterns can be changed.

If you find yourself saying, *I always do this!* and it's not what you *always* want to do, change it.

Knowledge is power, but not until it's applied. Use that knowledge to your advantage. Change your *mistake* pattern. Feel the power!
 happened -- and that may not happen. Have faith. Share that faith.

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1/31

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Stupid Quotes

"Nixon has been sitting in the White House while George McGovern has been
exposing himself to the people of the United States."

- Frank Licht, then governor of Rhode Island,
campaigning for McGovern in 1972

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Food for Thought

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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- 2/1

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Trivia

Sweat itself is odorless, only when combined with bacteria that
are breaking down dead skin cells does it become smelly. Smelly
sweat is called bromohidrosis. Sweat is composed of water,
sodium chloride, potassium salts, urea, and lactic acid.

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Quote of the Day

Watch what people are cynical about, and one can often
discover what they lack."

 - Harry Emerson Fosdick,  Protestant Minister

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Grins

At the Restaurant
=-=-=-=-=-=-=-=-=

We took the family to one of those restaurants where the walls are plastered with movie memorabilia. I went to see the hostess about reserving a table.

When I returned, I found my 11-year-old daughter staring at a poster of Superman standing in a phone booth. She looked puzzled.

"Doesn't she know who Superman is?" I whispered to my husband.

"Worse," he replied, "she doesn't know what a phone both is."

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Everyone had weighed in, and our diet-workshop leader began her lecture on the week's topic - the problems of dining out. She talked about alternatives, such as requesting diet sodas and dressings, and having meat broiled instead of fried. Finally she turned the question over to the group for discussion. "What is the greatest problem you encounter when going out to eat?"

Replied one woman quickly, "Running into you!"

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Our family was attending a wedding, and I sat next to my mom, who had my youngest sister on her lap. The groom was standing at the front as the bridesmaids walked up the aisle one by one.

Growing restless, my sister looked up at my mom and said, "So why doesn't he just hurry up and pick one?"

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Time heals all wounds,
unless you pick at them.

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The Dollar Stretcher
by Gary Foreman

Low Interest Balance Transfers

Why are the credit card companies begging to give you a good deal?

Can you explain all the hype and offers having to do with transferring amounts from one card to another or using checks at a very low interest rate? I get so many offers I figure there's a reason these credit card companies are pushing people to do it. I just don't know what that reason is. Thanks! Ellen

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Ellen is wise to ask why the credit card companies are begging to give her a good deal. Understanding what they get out of it can help her avoid unpleasant surprises later.

According to "Credit Cards Magazine," credit card profits in 2004 were the highest they've been since 1988. Experts believe that the credit card market is "saturated." So on average, for every new account, an old one is closed.

The banks that issue credit cards are in a competitive battle for new accounts. And they know that not all accounts are equally profitable. The ideal customer uses the card often, is always paying interest on an account balance and pays the minimum amount each month without fail.

Banks are also worried about borrowers not being able to make their payments. So the trend is for credit card companies to segment their offers based on the credit-worthiness of the cardholder.

Combine those two and you'll find the bank's ideal customer. They are aggressively going after customers who carry a balance, but still have a good credit record. As a result, Ellen gets offers for a low interest transfer.

The bank can make money on a low-interest account in a number of different ways. For instance, Ellen may be required to pay a "balance transfer fee" of 3% or so to move the balance to the new card.

The bank knows that Americans charge $1.5 trillion per year. There's a small merchant fee on every credit card transaction. They like it when Ellen uses her new card.

They also hope that Ellen will continue to run a balance on her low interest card. Once the low interest period ends that they can charge Ellen 15% or more on the balance. It doesn't take long for them to make up any interest that they gave up to get the account.

Plus, the low interest offer may only apply to balance transfers. Any new charges Ellen makes could be at the regular interest rate.

And the monthly payments she makes will be used to pay off the low interest transferred balance first. That leaves the new charges unpaid to run up regular rate interest charges.

Ellen needs to read the fine print on the credit agreement. There are some additional dangers lurking that she'll want to know about.

The bank is concerned about delinquencies. So Ellen's low interest deal probably has a clause that would increase the rate if she's late on any payments. Typically called a universal default clause, they allow the bank to raise her rate substantially if she missed a payment to any of her creditors. Not just this account. Any account. So Ellen doesn't want to get too cute waiting until the last minute to make her monthly payments.

She also needs to know that it's unwise to continually jump from one low interest card to another. Many consumers mistakenly think that's the best way to beat the system.

If she begins jumping, she'll lower her credit score. Part of your score is based on how long your business relationships have lasted. Opening and closing accounts each year won't help. A lower score will make it more expensive for Ellen to borrow again (including auto and home loans).

The low interest transfer does offer Ellen an opportunity. It's a great time to pay down a credit card balance. That's much easier to do when you're paying little or no interest.

So should Ellen switch to a low rate credit card? If she hasn't done so in the past and reduces her balance, it could save her some money. Picking the right card requires finding the best offer for her particular needs. That can be somewhat complicated. Ellen will want to use one of the web tools to help.

What's the bottom line? The banks offer low rate transfers because they know that they'll make money that way. And Ellen should only play if the transfer will make money for her, too.

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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.

Re-imagine and innovate with inspiration and [a positive] attitude.

- Dr. Rae

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Taxation WITH representation
 Ain't much fun either!

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Best Wishes
Bob
Copyright - 2004

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