Your Tip of the Day

by Bob Osgoodby

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In this Issue

** Tip Of The Day – Backup Internet Browser

** Something to Think About by Jan Tincher

** Food For Thought by Dr. Kevin Nunley – Maintaining contact

** Quote of the Day

** A Little Levity – Satanic Visit

** 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

Backup Internet Browser

So somehow the software for your Internet Explorer from Microsoft got corrupted and now it won’t work. You can’t access the Internet to download the new version so what next. Unfortunately, at that point there isn’t a lot you can do. But you can prepare for this in advance.

What I recommend is that you download another Browser which you can use in case IE stops working. This way, you can access the Internet with that Browser and download a new copy of IE.

There are currently alternative Browsers that I’m aware of and they are Mozilla, Netscape, RapidBrowser XP, Deepnet and Opera. I use Mozilla, and if you want a grassroots alternative to Microsoft's vision of what the Web should be, this browser is it.

In fact, IE is the target of Trojans, viruses, worms and other malware, and if you choose to use a competing browser you'll instantly have a more secure system as a result.

You can do a search on any of these Browsers, or if you want to do a little investigation, do a search on “Internet Explorer Alternatives.”

Forewarned is Forearmed - It saved my Bacon.

Bob

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Something to Think About by Jan Tincher

Have you heard: *If you want something badly enough, you have to pay for it.*

And why will YOU pay for it?

Because that's the kind of person you are.

Respect is a great value to have. If you respect yourself, and the other person, you WILL pay for it.

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

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Stupid Quotes

"I may be dumb, but I'm not stupid."

- Terry Bradshaw, Former football player/announcer

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Food for Thought

Maintaining contact

Maintaining contact after you have met someone is extremely valuable. Think of different, creative ways to keep in touch. Perhaps you could send them a birthday card, a thank-you note, or call and congratulate them on a special occasion. Every time you make contact, learn something new about them and add it to your record.

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Trivia

The Iguana is an interesting creature that likes to climb
and swim, and which comes with a nifty suit of outer skin
featuring leathery overlapping scales, and tall plates
resembling spines on their backs. For this they are known as
"tree chickens" in the West Indies.

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Quote of the Day

You don't get to choose how you're going to die, or when.  You can only decide how you're going to live.  Now."
 

-- Joan Baez, singer and songwriter

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Grins

Satanic Visit
=-=-=-=-=-=-=

Satanic Visit

One Sunday morning, everyone in a bright, beautiful, tiny town got up early and went to the local church. Before the services started, the townspeople were sitting in their pews and talking about their lives, their families, etc.

Suddenly, Satan appeared at the front of the church. Everyone started screaming and running for the front entrance, trampling each other in a frantic effort to get away from evil incarnate.

Soon everyone was evacuated from the church, except for one elderly gentleman who sat calmly in his pew, not moving, seemingly oblivious to the fact that God's ultimate enemy was in his presence. Now this confused Satan a bit, so he walked up to the man and said, "Don't you know who I am?"

The man replied, "Yep, sure do."

Satan asked, "Aren't you afraid of me?"

"Nope, sure ain't," said the man.

Satan was a little perturbed at this and queried, "Why aren't you afraid of me?"

The man calmly replied, "Been married to your sister for over 48 years."
 

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In search of a new shower for our home, my wife and I went to a bathroom-supply store.

We discussed our needs with a young saleswoman. Since it was near closing time, we had to curtail our discussion and made plans to come back the next day to make our final decision.

Later that evening, my wife and I were at a restaurant, where the same young lady from the bathroom-supply store was now working a shift as a waitress.

As she passed our table, she suddenly recognized us and called to me in a loud voice, "HEY! You're the man who needs a shower!"

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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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My brother was recently launched into the "real world" and, shocked by the expenses that came with it, he was complaining about the high cost of auto insurance.

"If you got married," teased my dad, "the premium would be lower."

He smiled and said, "Dad, that would be like buying an airline just to get free pretzels."

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The Dollar Stretcher
by Gary Foreman

Understanding Write-Offs and Foreclosures

Could you please give me some idea about charge-off, foreclosure, write-offs? I need to know on what grounds the banks will go for charge-off or foreclosure? What are the advantages of the above three to the bank?  It would be great if you can explain with examples.
DG

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DG asks a good question. We hear these terms and wonder what affect they have on the money that we owe. So let's see if we can't shed some light on the question and help DG avoid financial hardship.

We'll start with some definitions. For "write-off" we'll turn to the WallingfordCapital.com site. "The act of changing the value of an asset to an expense or a loss. A write-off is used to reduce or eliminate the value an asset and reduce profits."

In everyday English that means the lender has decided that one of it's assets isn't as valuable as they say it is on the corporate books. For instance, your promise to pay the bank (car loan, credit card debt, mortgage) is an asset to them. They have it on the bank accounting records as something that has a specific dollar value. Generally it's worth what you owe on the debt.

When the bank 'writes-off' part of all of your debt, they're saying that they don't expect you to pay the entire debt. So they're taking part or all of that debt and not counting it as an asset of the corporation any longer.

That does two things. First, it reduces the value of the corporation by the amount of the write-down. Second, it reduces the corporate profits by the same amount. That reduces income taxes.

OK, so what about a 'charge-off'? For the most part it means the same as write-off. The main difference is that a charge-off is usually a loan that can't be collected. A write-off is often real property (building, vehicle, or equipment) that has lost it's value.

One thing for DG to notice is that these are only accounting transactions. They do not release him from his responsibility to pay. Fair Isaacs, the company that started credit scoring, does not say whether a write-off or charge-off has a negative effect on your credit score. But, they do say that not paying back a loan on time does. So being late with your payment is a problem whether the loan is charged-off or not.

Ideally, DG would have contacted the credit card company (or whoever he owed the money to) as soon as he figured out that he couldn't repay it on time. Often the lender will agree to a smaller payment over a longer time. If that doesn't solve the problem, DG could consider a credit counselor.

By the time the debt is charged-off, DG is in pretty deep. His credit score has been affected. Chances are that all of his credit cards are charging him 'penalty' rates of up to 30%. And, bill collectors are beginning to call him. At that point, if he can't work out a repayment plan, he may need to consider bankruptcy.

What about foreclosure? According to Princeton.edu (Princeton University) it is "the legal proceedings initiated by a creditor to repossess the collateral for loan that is in default." Typically, foreclosure is used in reference to real estate property but it can be used for other physical property (your car for instance).

Foreclosure, unlike our other words, is not an accounting term. It's a legal term. It means that the company that holds a lien on your property (like a mortgage) has sued you. The suit will attempt to take possession and ownership of the property. In other words, you'll lose your house or car.

Once again the credit score is damaged when the payments fell behind. In this case, the foreclosure will lower it some more.

Whether the lender has started foreclosure or not, the borrower should take the initiative and contact them if they are having trouble with the payment. The lender may adjust the payment terms.

DG asks what triggers the bank to foreclose or write-off a loan. There are all kinds of circumstances, but generally it's when the bank feels that you won't be able to repay the money you borrowed. Trying to predict exactly when a bank will foreclose or write-off is difficult and could be dangerous to your finances.

What's the bottom line to all of this? If you can't keep up with your payments, go to the lender as soon as possible and try to work out an easier payment schedule. Often they'd rather lengthen a loan than have to write it off or go through foreclosure.

The other option, simply hoping that things will get better while you fall behind, is a sure way to hurt your credit score and perhaps end up in legal troubles.

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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.

Unconditional love brings joy to everyone and has the potential to be returned in kind

- Dr. Rae

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Aren't they just stale bread to begin with?

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Bob
Copyright - 2008

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