Your Tip of the Day

by Bob Osgoodby

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In this Issue

** Tip Of The Day – Tab the Form

** Something to Think About by Jan Tincher

** Food For Thought by Dr. Kevin Nunley – Work Less, Earn More

** Quote of the Day

** A Little Levity –  Menopause Jewelry

** The Dollar Stretcher by Gary Foreman – How Bad Is It?

** Publications of Interest

** Stress Matters

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Welcome

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still
Tip of the Day

Tab the Form

Do you often sign up for certain things online? You know, anything that requires you to choose a username and password or even fill in some of your personal information (name, address, phone number, etc.?) Well, when you're filling out those forms, do you have to use your mouse to go through most of it? Don't you get tired of going back and forth between your keyboard and your mouse?

When you're filling out a form that asks for your name, address, etc., you can use the Tab key to go from one line to the next. For example, if you're done filling in your name, hit the Tab key and your mouse cursor will automatically go down to the next line. You can do that throughout the whole form.

It's that easy. With the Tab key, you can fly through any form you have to fill out or any settings you have to set. Sounds good to me! Next time, give it a try!

Bob

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Something to Think About by Jan Tincher

There are many ways to put courage in action.

One way to put courage in action is to plan and prepare thoroughly in advance. Set clear goals or objectives, then gather information. Read and research in your chosen field. Write out detailed plans of action and take the first step.

It takes a lot of courage, sometimes, to take the first step. If you've prepared for it, you're halfway there.

Here is an article that may help: 6 Steps To Making A Big Change You'll find it here: Http://www.tameyourbrain.com/6steps.htm
 happened -- and that may not happen. Have faith. Share that faith.

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Stupid Quotes

"That's just the tip of the ice cube."

- Neil Hamilton, BBC2

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Food for Thought

Work Less, Earn More

Robert T Kiyosaki, author of "Rich Dad, Poor Dad," states that the rich don't work for money; they have other people work for their money.

This is invaluable wisdom for anyone who owns or operates a business.

Too many people are under the impression that, once you own your own business, your life will be smooth sailing.

However, owning your own business often means adding to your responsibilities. Sure, you have the choice of whether or not to do more work, but when more money is at stake, most people choose to take on more work than they can handle.

But it doesn't have to be that way!

Do as Kiosaki says and have others work for your money.This doesn't have to mean employing a full time staff.

Solicit as much work as you can and outsource to independent vendors or freelancers who will do the actual work. Then you can take a big cut of the money, as you were the one to find the project.

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- 2/15

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Trivia

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

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Quote of the Day

"If there is something to gain and nothing to lose by asking-by all means ask!"

 - W. Clement Stone, Business Leader and Author

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Grins

Menopause Jewelry
=-=-=-=-=-=-=-=-=-=

My husband, being unhappy with my mood swings, bought me a mood ring the other day so he would be able to monitor my moods.

We've discovered that when I'm in a good mood, it turns green and when I'm in a bad mood, it leaves a big red mark on his forehead.

Maybe next time he'll buy me a diamond.

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My husband, a U.S. Coast Guard pilot, was on an exchange tour with the Royal Navy in England. Everyone who drove through the base's gates was required to hold an official ID card up to the windshield for inspection by the guards.

As a friendly competition, my husband's squadron started flashing different forms of ID, such as a driver's license, just to see how far they could go to fool the busy guards.

The winner? The fellow who breezed past waving a piece of toast.

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During a Law course class, the 'Audi Alteram Parten' rule was explained. Translated it means "To hear the other party" After discussing the subject at great length, the lecturer asked if anyone didn't understand the rule.

Responded one woman, "My husband."

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Sam and Ruth from Maine had just bought a new car when winter hit with all its fury. "I wonder if the car has seat warmers," Ruth wondered.

"It sure does," said Sam, looking through the owner's manual. "Here it is.............rear defrosters."

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"I never make misakes."

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The Dollar Stretcher
by Gary Foreman

How Bad Is It?

Have you ever felt like throwing in the towel? Just calling it quits? Decided that you can't control your future and that the sanest thing to do is to pull out the credit card and just not worry about what you put on it?

Recently, a friend sent me a link for an article on MSN Money http://articles.moneycentral.msn.com/Investing/Extra/TheComingYardSaleEconomy.aspx. The article was called the "garage sale economy" and discussed all the hard times caused by the housing market and the "growing probability that 2008 will be a recession year."

It bugged me. In part, because writers have been predicting a recession since 2001. The facts show that the economy grew at a 4.9% rate in the third quarter of 2007. http://money.cnn.com/2007/12/20/news/economy/economy_pace.ap/index.htm The GDP (gross domestic product) has been growing at 2% or better since 2002. Add that to the 8.3 million new jobs since August, 2003 < http://www.whitehouse.gov/infocus/economy/ > and the fact that real income (after inflation) is up 12% over the last 7 years. These are all very good trends.

A recession is a decline in GDP for two consecutive quarters. Clearly that hasn't happened. I don't recall even one quarter of decline in the last four or five years. Looking at the statistics you'd have to ask if the real dark cloud isn't in the writer's imagination.

Please don't misunderstand me. I know that some people are hurting. And, that there are folks who are victims of circumstances that they didn't create. That's always been the case (in good times and in bad). I'd like to try to make things easier for people who struggle. That's one of the reasons that we don't charge for our email newsletters or articles on The Dollar Stretcher.com website. We want to help people who are struggling. We believe that it's always a good idea to help those who need it.

It's true, some people will lose their homes. That's terrible. I do some volunteer work with the homeless and it breaks my heart to see what happens.

But even those who face losing their homes do have some (admittedly limited) options. Mortgage companies are realizing that foreclosure is not their best choice. Once they foreclose they own the home and are responsible for it until it's sold. And, once all the expenses are added in they could lose $100,000 on each house they foreclose. So working with the current homeowner to keep the payment affordable makes sense. Even if they have to add some late mortgage payments to the end of the mortgage.

What really concerns me is how many people read these articles on how bad the economy is and decide that there's no sense looking for a better job or getting training that would qualify them for a new, more promising career. How many people give up on themselves because of what they see on the nightly news? They've tossed in the towel before even making an attempt to change their circumstances. To me, believing that you're a victim of circumstances and have no control over your future is terribly sad.

I can't promise that 2008 won't be a challenge. But I do believe that just about all of us can do something to make our financial lives better this year. And, I promise that we'll do the best that we can to help provide the ideas and tools that you can use to do it. So are you willing to promise yourself that you won't succumb to negative perceptions (whether justified or not) and you'll give yourself every chance to succeed this year? Seems like the least that you can do for yourself.

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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.

Courage and confidence come when you take action.

- 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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I only drink to steady my nerves.
         Last night I got so steady that I couldn't move.

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Best Wishes
Bob
Copyright - 2008

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