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 –  Easy Printing

** Something to Think About by Jan Tincher

** Food For Thought by Dr. Kevin Nunley –  Lights, Camera, Action, BUSINESS!

** Quote of the Day

** A Little Levity –  Promotion

** The Dollar Stretcher by Gary Foreman –  Low Rate Teaser Tango

** Publications of Interest

** Stress Matters

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Welcome

If you have a favorite "Tip" that would be of interest to our subscribers or an article that would be of interest, please send it to: articles@adv-marketing.com - We currently have 60,000+ subscribers who receive the "Tip of the Day" which is published every Monday, Wednesday and Friday each week.

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still
Tip of the Day

Easy Printing

If you need to print a recently used document, don’t waste time opening up the application you created it in, Instead, click the Start button/Documents. Right-click the document you want and select Print from the resulting menu. The document's application will run, open the document, then automatically print it for you.

If you don't see the document you want to print listed in the Documents menu, click the little My Documents folder you see at the very top of the Documents list (assuming the document you want to print is located in the My Documents folder). Then you can follow the steps above for right-click printing.

Bob

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Publish your ad in the Tip of the Day Newsletter and get your
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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:
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so your ad is on the web even after your ad has expired in the text version of
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Something to Think About by Jan Tincher

Are your goals:

Just out of reach, but not out of sight?

Realistic, but not achievable by ordinary means?

Challenging, but not achievable by doing what you've always been doing?

Do you break them down into small action steps?

Your goals should be challenging, realistic goals with small, doable action steps. And isn't that a great way to keep spice in your life?

Here's an article that may help: Goal Setting: The FINAL Step Revealed
You will find it here:  http://www.tameyourbrain.com/goalsetting.htm

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1/31

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Stupid Quotes

"It is wonderful to be here in the great state of Chicago"

- Dan Quayle, former U.S. Vice-President

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Food for Thought

Lights, Camera, Action, BUSINESS!

What was once photo opportunity is now a camera opportunity.  With today's multiple technologies, you must use an inclusive  term or electronic media. Because when you say camera  opportunity, the media sit up and take notice. It's one thing  to have news to write about, but it's even better if you have  news to photograph.

Want to get the media out to your camera opportunity? Here are a  few ways to bring them running:

*Involve a local or national celebrity. They are always on the  camera calling card.

*Hold an event that draws children. Kids always make for great  camera opportunities.

*Get the community actively involved in something your doing.  When you can get a lot of people involved in something--speaking,  cooking, serving, running, et cetera--camera opportunities  present themselves.

*Be actively involved yourself in an event. People are interested  in seeing local business people doing something out of the  ordinary.

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- 2/1

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Trivia

The Sears Tower in Chicago, Illinois contains enough phone wire to
wrap around the earth 1.75 times and enough electrical wiring to
run a power line from Chicago to Los Angeles.

 

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Quote of the Day

"What we are doing is just a drop in the ocean.  But if
that drop was not in the ocean, I think the ocean would be
less because of that missing drop.  I do not agree with
the big way of doing things."

 - Mother Theresa, Albanian Nun, Missionary

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Grins

Promotion
=-=-=-=-=-=

Sam was excited about his promotion to Vice President at the company where he worked and kept bragging about it, for weeks on end, to his wife.

Finally, she couldn't take it any longer, and told him, "Listen, it means nothing! They even have a vice president of peas at the grocery store!"

"Really?" he said. Then, playing along with his wife, Sam called the grocery store.

A clerk answered and Sam said, "Can I please talk to the Vice President of peas?"

The clerk replied, "Canned or frozen?"

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After raising four kids and losing one husband, I decided to return to college and get the degree I had started but never finished. And so, on my first day of college, eager with anticipation, and more than a little nervous, I took a front row seat in my first class in over 40 years--a literature course.

The professor told us we would be responsible for reading five books over the course of the semester, and that he would provide us with a list of authors from which we could choose.

He ambled over to the lectern, took out his class book, and began: "Baker, Black, Brooks, Carter, Cook..."

I was working feverishly to get down all the names, when I felt a tap on my shoulder.

The student behind me whispered, "Slow down! He's just taking attendance!"

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The pilot was sitting in his seat and pulled out a .38 revolver. He placed it on top of the instrument panel, then asked the navigator, "Do you know what I use this for?"

The navigator replied timidly, "No, what's it for?"

The pilot responded, "I use this on navigators who get me lost!"

The navigator proceeded to pull out a .45 and placed it on his chart table.

The pilot asked, "What's that for?"

"To be honest sir," the navigator replied, "I'll know we're lost before you will."

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A kindergarten teacher asked, "What is the shape of the earth ?"
  One lil' girl spoke up: "According to my Daddy -- terrible !" .

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The Dollar Stretcher
by Gary Foreman

Low Rate Teaser Tango

Is it true that each time you switch to another credit card company to take advantage of their lower interest rate that transaction appears on your credit report? Also, I found out the hard way that being even a couple of days late on payments is not a good thing. We lost our promotional interest rate that was supposed to last one year because our payment reached the credit card company a couple of days past the due date. Your readers might not know this as we didn't. The company did lower the regular interest rate for us when I called last week. I was told that I could even call back later and see if they can lower it for us again.
Sheryl

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Sheryl sure packs a lot of good information into one letter. And she's playing one of the most popular games around. Everyone wants to find the lowest 'teaser rate'. Then when the introductory rate runs out it's time to swap again. I call it the Teaser Tango. But, as in other dances, you'll do much better if you know the steps. And when you're dealing with credit cards the steps aren't in big bold graphics on the floor. They're in the fine print. So let's get out our magnifying glasses and start the music!

We'll begin with Sheryl's first question. When you get a new credit card does that show on your credit report? The answer is yes it does. Your credit report will show all the accounts that you've used going back as far as seven years. Having a few, long-term relationships will get you a higher credit score than if you open and close credit card accounts every year.

Will having many new accounts cause a problem? Clearly it hasn't stopped Sheryl from getting offers for new credit cards. But it could make a difference if she wanted to borrow money for a car or home. Try to keep one or two long-term accounts. They don't need to carry an account balance. They just need to be open.

Another credit report consideration is how many accounts you have open and what's the total combined credit limits of those accounts. If you have eight separate credit cards and each has a credit limit of $2,000 you could conceivably go out and charge $16,000 worth of stuff today and no one would stop you. That can be scary for potential lenders who are deciding whether to give you an auto or home loan.

So when you trade one card for another don't just cut up the old card. Notify the issuer that you want the account closed. That way the unused credit won't show on your report.

Sheryl has also found out about a major 'gotcha' on those low introductory rate accounts. One false move and the music stops! In her case she was a couple of days late with a payment. It happens. But it can be especially painful if you're counting on that teaser rate to lower your monthly payments or help you pay off the balance quicker. Most accounts that offer introductory rates have similar rules. If you're just one day late the entire balance moves to a higher interest rate.

Is it fair? Probably not. But, they do tell you in writing before you open the account so it's perfectly legal. And, yes, I know that no one reads all that tiny print that comes with the offer. The credit card companies know it, too. That's why they put it there.

It's a good idea for everyone to be more careful about getting credit card payments in on time. Most issuers have increased their penalties for late payments. Many issuers have doubled their late fees in the last year or so. And remember, it's not when you postmark the payment that counts. It's when it's received.

If you're considering taking advantage of a teaser rate offer, you'll naturally want to compare rates. Currently you can find rates as low as 4% being offered. Most are will hold the lower rate for 5 or 6 months.

Make sure that the lower rate will apply not only to the balance that you transfer, but also to any new purchases you make during the introductory period. Many cards charge their regular, higher rate for new charges. There's more to consider than interest rates. Don't forget annual fees. Most are $25 or $50 but some issuers don't charge any.

Avoid 'cash advance' charges to move your balance. Some issuers offer a nice rate, but will charge you a couple of percent or more to transfer your balance. They consider it a 'cash advance'. Naturally the lower interest rate is touted in big, bold type. The cash advance charge takes a little more digging to find.

While you're looking at the fine print, don't forget to see what they'll charge you every time you use the card at an ATM. You might not be able to find an issuer without an ATM charge, but by knowing about the cost you can consider cheaper ways to get a little cash.

Finally, Sheryl points out something that can benefit many credit card holders. Sometimes if you call the issuer and ask for a lower interest rate they'll give it to you. Not always, but sometimes. A simple request by phone costs almost nothing and could get you a lower interest charge each month.

So that's the Teaser Tango. If you watch your step you can reduce the amount of interest that you pay on your credit cards. But, watch out. One false step and you could end up in a heap on the floor!

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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.

Achieve and maintain peak and effective performance by focusing on your intention.

- 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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A long-forgotten loved one will appear soon.
Buy the negatives at any price.

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Bob
Copyright - 2007

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