Your Tip of the Day

by Bob Osgoodby

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In this Issue

** Tip Of The Day – File Names

** Something to Think About by Jan Tincher

** Food For Thought by Dr. Kevin Nunley –  3 Reasons Why You Need a Website Now 

** Quote of the Day

** A Little Levity –  Santa Can't Possibly Be A Man 

** The Dollar Stretcher by Gary Foreman – Comparing Financial Options

** Publications of Interest

** Stress Matters

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Welcome

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still
Tip of the Day

File Names

Do you do a lot of work with documents that constantly have to be saved? If you do, you know that the first time you save a file, you should choose a "file name" for it to be stored under. While some programs will automatically put a file name in for you, usually the first few words or so of the documnet, it is much better if you name your own files. That way, you have a better chance of finding them later on.

You should develop a habit of using the Save As command the first time you save a new file. The Save As and Save commands are usually under the File menu as well.

When you are typing a new document in your word processing program, the first time you go to save it, click on File to bring the menu down and then click on "Save As" to bring its dialogue box up. In the "Save As" dialogue box, you can tell your computer where to put your file and what to call it.

You should name your file according to what is in it. For example, if it is a letter to Aunt Mary, call it "Letter to Aunt Mary". Don't just name it "Letter." That is too vague. When you name your file (on a computer run with Microsoft Windows), there are some computer requirements. Your file names can contain some punctuation, but some of the punctuation characters such as a period, have special meanings to the computer and cannot be used. If you accidentally use a period near the end of your file name, you will probably have trouble getting that file back again later, so they should simply be avoided..

Don't forget that you can use letters and/or numbers. If every time you write her, a good trick is to put in the date as well, such as "Letter to Aunt Mary - March 14, 2007" - but remember - commas and dashes are OK, but no periods.

Bob

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Something to Think About by Jan Tincher

Do you want to keep your job? Do you want more pay?

There are three things that determine how valuable you are and the amount you're paid:

* The work you do
* How well you do that work
* The difficulty of replacing you

Do good work. Find corresponding work to do, along with the work you are doing, to make your job more valuable, to make YOU more valuable.

*** TIP: If you volunteer for a job, make sure it is a job you WANT. You know why? Because if it's a job you DON'T want, your eyes are listless, resentful, whatever -- anything but excited. Your posture is stooped, lackadaisical, whatever -- anything but excited. Your shoulders are slumped or -- well, you get the picture. If you aren't EXCITED about the job, you may soon be replaced by someone who is.

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

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1/31

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Stupid Quotes

"Smoking kills. If you're killed, you've lost a very
important part of your life."

- Brooke Shields, during an interview to become spokesperson
  for a federal anti-smoking campaign.

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- 3/5

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Food for Thought

3 Reasons Why You Need a Website Now

It baffles my mind how many business owners still don't have a web presence. I hear from people every week who insist that, "It ain't broke, so why fix it?" Why go to all the effort of building--or paying someone else to build--a website when business is going well already?

For many businesses, what "ain't" broke today is going to be on the trash heap tomorrow.

Here are a few reasons why it's time to fix it by getting a website, even if it "ain't" broke yet:

1. The Live Brochure - most businesses have used the brochure as a marketing format at some point. In the old days, they provided a great deal of information in one handy booklet. But with a website, you get a live brochure that is available for anyone to see anywhere in the world. And there is no limit to the amount of information you can include.

2. Expand Your Business - Maybe you don't have enough money to set up a new shop in another town, but you can do better than that for a tiny fraction of the cost. Set up shop online with an e-commerce site and you have a business presence anyone in the world can take advantage of.

3. It's Expected - These days, for a business not to have a website is akin to using a typewriter to create your business documents. Your customers and clients expect you to progress with the times, and if you don't keep up, they'll leave you behind.

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Trivia

On the Liberty Bell, "Pennsylvania" is spelled "Pensylvania".

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Quote of the Day

"The time to relax is when you don't have time for it."

- Sydney J. Harris, Journalist and Author

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Grins

Santa Can't Possibly Be A Man
=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=

--> Men can't pack a bag.

--> Men would rather be dead than caught wearing red velvet.

-->Men would feel   their masculinity is threatened...having to be seen with all those elves.

--> Men don't answer their mail.

--> Men would refuse to allow their physique to be described, even in jest, as anything remotely resembling a "bowl full of jelly."

--> Men aren't interested in stockings unless somebody's wearing them.

--> Having to do the “Ho Ho Ho” thing would seriously inhibit their ability to pick up women.

--> Finally, being responsible for Christmas would require a commitment.

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Two blondes living in Oklahoma were sitting on a bench talking, and one blonde says to the other, 'Which do you think is farther  away... Florida or the moon?'

The other blonde turns and says 'Helloooooooooo, can you see Florida ?????

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Patty had been wanting new kitchen cabinets for a long time, but her husband Don, insisted they were an extravagance.

She went to visit her dad for two weeks and when she returned,she was overjoyed to find that Don had surprised her by installing beautiful new cabinets as a Christmas present for her.

A few days later, Debbie, a neighbor came over to visit and after admiring the new cabinets, the neighbor added, "All of us were so glad that the fire your husband had while you were gone was confined to the kitchen.

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A man rushed into the doctor's office and shouted, "Doctor! Doctor! I think I'm shrinking!!"

The doctor calmly responded, "Now, settle down.  You'll just have to be a little patient."

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A diplomat is a man who always remembers a woman's
birthday but never remembers her age.

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The Dollar Stretcher
by Gary Foreman

Comparing Financial Options

Hello Gary, I work at the local school. I can walk to work and have little in the way of work related expenses. I have two children heading for a local college. One next year, one in five years. If I can get a job with the college, they will waive $5,000 of the college tuition per child per year. If that happens, I will have to buy a car and pay work related expenses. I am stretching my brain to tell which is the better deal. Can you please help?
Ronnie

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We've all been in Ronnie's position at least once in our lives. How do you compare two different financial courses of action?

Each situation we face is unique. So often it's hard to find an online calculator or other tool to help. Is it possible to learn how to create your own formula to compare two different options?

The good news is that it is possible. And it's really not as difficult as it might seem. We'll work through Ronnie's question, but we'll also explore how you can create formulas for different situations that you might face.

The first step is to define the question. In this case, Ronnie has two job offers. Her present job keeps her expenses low, but doesn't provide any help for tuition. A different job would reduce the cost of college for her two children, but it also increases other expenses. Simply defining the two alternatives helps us to begin thinking about what might be included in our formula.

Next take a sheet of paper. Write one choice on the left side, another on the right. The top half of the page is for income. The bottom half for expenses. Listing the various components will help you see and understand how each impacts the potential answers.

Then we'll work on each situation to develop a formula to describe it. Let's begin with Ronnie's current job. Since she has a child entering college in five years, we'll probably need to do a plan that will last for nine years (5 years plus 4 years of college).

Ronnie didn't provide complete figures so we'll need to make some assumptions. For instance, let's assume that her present job pays $40,000 per year and the job at the college would pay $37,000 per year. We'll also assume that the extra "work related expenses" would amount to $1,200 per year. Finally, let's assume that the auto expenses would be $6,000 per year.

Sometimes, you'll know all of the different inputs (like salary and expenses). Other times, you'll need to estimate. In this case, Ronnie will likely estimate the college's salary and the other job and auto expenses.

She may need to do a little research to make reasonable estimates. It would be smart to price some cars and call to find out what insurance and operation costs might be. Getting a useful comparison is dependent upon good estimates. So don't shortcut this step.

Let's start with her current job. We'll project income and expenses for 9 years. Ronnie's total income would be 9 times $40,000 or $360,000. She doesn't have auto or work-related expenses, so we won't have anything on the expense portion.

Now, we'll compare a job with the college. Her salary would be 9 times $37,000 or $333,000, but she'd save $5,000 per year in reduced college costs for her kids. So it's the same as if she added $40,000 to her income (4 years X $5,000 X 2 kids). So her total income would be $373,000.

But, she has some added expenses. We estimated the work and auto related expenses would total $7,200 per year or $64,800 over nine years. So we need to subtract that from the income figure. That works out to income after expenses at $308,200 ($373,000 minus $64,800).

Based on those assumptions Ronnie would be better off in her current job ($360,000 vs. $308,200).

Can this model be used for other questions? Sure! Can you do it yourself? Yep! Most problems require you to set up two different formulas. Each should include income and expenses.

One secret is in ignoring the things that stay the same and focusing on the things that change. In Ronnie's case, there were differences in both income and expenses, but most of the action was in the expenses.

Another trick is to keep it simple. For instance, we didn't include income taxes on Ronnie's extra income from her current job (probably about $400 depending on filing status and deductions). Nor did we include the value of her car at the end of the nine years (probably about $2,000).

That was done for a reason. It needlessly complicates the formula and makes it really hard to focus on the key differences. Also, these tweaks to the formula are less important than the initial assumptions that you make. For instance, in Ronnie's case, a change in the cost estimate to own and operate a car would make a bigger difference.

Remember that this isn't a math exercise. Nor will it give you an exact answer. Rather it's a tool to help you see the choices clearly and to identify any significant financial differences.

You can do similar analysis on any financial question you have. Some are harder than others, but don't be afraid to take a piece of paper and begin to break down the problem. In many cases, you'll be able to create your own formula. But, even if you can't, you've still put yourself in a better position to understand the key parts of the decision.

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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.

Be authentic and confident.  Speak from your heart.

- Dr. Rae

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If you think there is good in everybody,
you haven't met everybody.

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Copyright - 2007

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