Your Tip of the Day

by Bob Osgoodby

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In this Issue

** Tip Of The Day –  Be Punctual

** Something to Think About by Jan Tincher

** Food For Thought by Dr. Kevin Nunley –  Big No, No

** Quote of the Day

** A Little Levity – Doctor's Office

** The Dollar Stretcher by Gary Foreman – Understanding Write-Offs and Foreclosures

** Publications of Interest

** Stress Matters

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still
Tip of the Day

Be Punctual

Does your computer contain an alarm clock? Can you set your computer to remind you about something? Does your computer tell you what time it is after a certain amount of time has gone by?

If you answered no to any of those questions, you should definitely take a look at this tip!

Today, I am going to explain to you how you can get an alarm clock, a reminder and a human voice time teller all on your computer. All of  this can be obtained through just one software program. And the best part it's free!

The software I am referring to is called "Be Punctual." You can find it by going to: http://www.vcsoftwares.com/BePun.html

Once you have it downloaded and installed, you will see an aircraft icon in your bottom system tray, as shown below.

Right click on the icon to get the following window:

This is the Time Teller window where you can set up two different settings.

1.) Tell Time After – Here you can set the number of minutes after which you would like your computer to tell you the time. If you don’t want it, you may uncheck the box before Enabled.

2.) Options – Here you can set your preference to hear a male or female voice by selecting the respective radio button. Also, you may check or uncheck the box for "Tell time at Windows startup." That one is up to you.

At the top, there are reminder and alarm clock options. So, let's say you selected the reminder window. You will then see the following:

Here you can enter the message you want to be reminded with on a particular date, month or time.

The exiting thing is that you may select your own audio file to be played by clicking on the Browse button. Once you do that, click Add and your reminder will be added instantly.

There are also options to modify or delete the existing reminders, if you ever want to do that. Now, let's move on to the last tab, which is for the alarm clock. You will see the following screen:

Here you can set different alarms for each day of the week and even a standard alarm for every day living. Of course, you may select your own audio file to be played as your alarm as well.

Once you're done choosing your settings, click on Send to Tray or just minimize it to hide it in your system tray. All of the items you selected and chose will stay put.

Bob

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Something to Think About by Jan Tincher

How do you stop talking negatively?

1. Pick one or two of your friends and share with them the words or phrases you want to eliminate from you habitual vocabulary AND the new words or phrases you plan to replace them with.

For the next ten days, catch yourself using the old word or phrase, and immediately replace it with the new word or phrase. If you catch yourself using the new word or phrase give yourself a pat on the back.

Let your friends help by giving them permission to say something like, "Does that really make you mad as heck, or are you just a little peeved?" That helps you go in the right direction, alerts you to the negative wording, and gives you both a pat on the back.

Here is an article that will help: Your Brain Is A BioComputer
You can find it here:  http://www.tameyourbrain.com/biocomputer.htm
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Stupid Quotes

"We have a lot of kids who don't know what works means.
They think work is a four-letter word."

Hillary Clinton, Presidential Hopeful

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Food for Thought

Big No, No

The mistake some businesses make is to cut the marketing budget when they experience a downturn in revenue. Big No, No. In an effort to protect their bottom line, they are more likely to bottom out.

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Trivia

Japanese people do not have a middle name. In Japan, the last name
comes first, and the first name comes last.

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Quote of the Day

"Strength does not come from winning. Your struggles
develop your strengths. When you go through hardships
and decide not to surrender, that is strength."

 - Arnold Schwarzenegge

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Grins

Doctor's Office
=-=-=-=-=-=-=-=

An attractive young girl, chaperoned by an ugly old crone, entered the doctor's office. "We have come for an examination" said the young girl.

"Alright," said the doctor. "Go behind that curtain and take your clothes off."

"No, not me" said the girl. "It's my old aunt here."

"Very well. Madam, put your tongue out."

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At a hospital looking through the window at the newly arrived babies a father says,
"Kitchy kitchy koo. Look, she smiled! Isn't she adorable?"

His friend says, "But your kid didn't smile."

The father replies, "I was talking about the nurse!"

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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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A man traveling down a country road was forced to stop before a giant puddle covering the entire road. Looking to the side of the road, the man noticed a farmer leaning on a fence.  "Think it's safe to cross?" the man asked.

"I reckon so," replied the farmer.

The car was immediately swallowed by the puddle as the man drove in.  In fact, it was so deep that he had to roll his window down to swim out of his car back to the surface.

As his head broke the surface the man said to the farmer, "I thought you said I could safely drive through this puddle!"

"Well, golly!" said the farmer, scratching his head. "It only come up chest-high on my ducks!"

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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

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Why do we say something is out of whack?
What's a whack?

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Copyright - 2008

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