Your Tip of the Day

by Bob Osgoodby

We value every subscriber and respect your privacy.  Our subscriber list is NOT made available to anyone for any reason.

---

Boy's Italian Suits, Buy Direct From the Importer

Imagine buying the finest Italian Boys  Suits, with direct from the importer pricing. Select from the finest and the world's most fashionable clothing, and get almost wholesale prices, as well as fast low cost shipping from our East Coast warehouse.

AMEX, MC, VISA DISC. Accepted, refunds available   Phone us at 866-782-0108 or browse -   http://www.boysitaliansuits.com

Dress him in a really nice Italian suit for that
First Communion, Bar Mitzvah or Graduation!

- 4/31

---

In this Issue

** Tip Of The Day – Take out the Trash

** Something to Think About by Jan Tincher

** Food For Thought by Dr. Kevin Nunley – How to Get Testimonials

** Quote of the Day

** A Little Levity – Daddy's Trick

** The Dollar Stretcher by Gary Foreman – Auto Loan Prepayment Penalties

** Publications of Interest

** Stress Matters

---

Sponsor for this Edition

New Fiction Book Available Now

http://booklocker.com/books/3303.html is where you can purchase "Winds of  Change" by Freda Douglas, either soft cover or ebook. Family, Christian. Live through Becca's trials and tribulations as she adapts to life as a wheelchair dependent person following an accident. Send me your receipt to freda@fredabd.ws and I will send you a free gift.  Spread the word about my book. Every purchaser receives a free gift. Not available thro' publisher. http://booklocker.com/books/3303.html

To get free gift send receipt to freda@fredabd.ws

---

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.

We check all ads to ensure that they are not illegal offers. You, however should exercise “due diligence” before responding to any advertisement.

To place a free ad on our website for your business, click on the link below, and you will be sent all the information you need.

freead@adv-marketing.com?subject=FreeAd

Subscribe and Unsubscribe directions are at the end of this publication.

To place an ad in this or any of our other publications, go to: http://adv-marketing.com - we accept Credit Cards and Online Checks - all "Tips" are archived at our web site at: http://adv-marketing.com/business/tod.htm

---

still
Tip of the Day

Take out the Trash

If you're using Outlook or Outlook Express you should periodically empty your "Deleted Items" folder. Just right-click the Deleted Items bin, click Empty Deleted Items Folder. That'll do it. Most e-mail clients work in a very similar fashion—if they use a recycle bin type folder like Outlook Express does.

Eudora users simply click on “Special” and select “Empty Trash”.

However—if your e-mail program doesn't have that handy little right-click-and-empty feature, go into the Deleted Items folder (or the equivalent for your software) and hit CTRL-A. That should select everything in that folder. From there, just hit Delete.

What if you want to keep your deleted stuff that's less than, say, a week old? Well, you can do that too. Click the oldest message and scroll down to the last one you want to remove. Next, hold your Shift key and click the message. Everything between the first e-mail you clicked and the last should be highlighted. A tap of the Delete button and they’re gone.

If you haven't emptied your deleted item folder for awhile, remember with all the spam we get, it can get pretty big very quickly, and take up a ton of hard drive space. Not only that, but will cause your system to run slower when accessing your mail. So, why no get in the habit of emptying it on a regular basis.

---

Advertising is JUST GOOD BUSINESS!

Publish your ad in the Tip of the Day Newsletter and get your
message out to over 60 thousand people.!

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:
http://www.adv-marketing.com/business/tod.htm -
so your ad is on the web even after your ad has expired in the text version of
the Newsletter. What a great way to build link popularity for your business.

---

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.
faith. Share that faith.

---

e4u Newsletter - map up this information highway for beginners.
Tips, tools, products. Resource Center is free to subscribers.
Step by Step information for your exciting future in Internet Marketing.
Subscribe: bob@sharonl.emailaces.com
Be sure to click on the confirmation e-mail

---

Stupid Quotes

"We apologize for the error in last week's paper
in which we stated that Mr. Arnold Dogbody was a defective in the police force.
We meant, of course, that Mr. Dogbody is a detective in the police farce."

-Correction notice in the Ely Standard, a British newspaper

---

Bad Credit Personal Loans

Have you had a difficult time obtaining a personal loan because of your bad credit? Get up to 4 offers within 24 hours. Terms and payments are convenient and affordable. The form is easy. Privacy is guaranteed. Getting approved is as easy as filling in the blanks. Contact Us. http://www.jensden.com/g.o/change123

- 3/29

---

Food for Thought

How to Get Testimonials

Nothing sells products and services like good comments from past customers. Prospects believe the word of a customer long before they'll buy into even the best written ad or most lavish TV commercial.

But how do you get good testimonials, especially if your business is new?

1. Nobody says YOU can't provide the testimonial. If you have personally used the product you are selling and truly believe it's the best thing since sliced bread--put that in a testimonial. Put your own words in quotations.

2. Get someone who is a recognized name in your field to say something good about what you sell. Let them mention their own interest in the testimonial. This is why blurbs on book covers go, "Best book I've ever read," Joe Blow, author of How to Get Rich. Joe lends his good opinion as a way to get a mention for HIS book.

3. Put up a comments form on your web site. Clearly mention that some comments may be selected for display on your site or in your promotional literature. Some people will say good things (which I sure they mean sincerely) just to get their name in print.

4. Always include the person's first and last name along with the city they live in or the business they work for. Otherwise, people will think you made up the testimonial.

-----

"See Kevin's 10,000 free marketing tips at http://drnunley.com"

---

Drink Gourmet Healthy Coffee

 Healthy Coffee has half the acid and caffeine of regular coffee. Over 200 antioxidants, minerals, and vitamins.  It is a natural appetite suppressant and boosts your immune system. Buy and/or sell Healthy Gourmet Coffee. www.drinkcoffee101.com
- 5/27

---

Trivia

Felix the Cat's girlfriend was named Phyllis.

---

Quote of the Day

"Middle age is when you've met so many people that every new
person you meet reminds you of someone else."

- Ogden Nash

---

Isn't It About Time A Network Marketing Company Paid You What Your Worth?

Just 340 members spending only $50.00 earns you an honest, incredible $5600
5% Level 1, 10% Level 2, 10% Level 3, 40% Level 4, 10% Level 5... TRUE 75%
Forced 4x5 Matrix places paying members under everyone.Free Marketing System
http://www.lhnprobuilder.com/jschwieterman

- 4/14

---

Grins

Daddy's Trick
=-=-=-=-=-=-=

The little boy greeted his grandmother with a hug and said, "I'm so happy to see you grandma. Now maybe daddy will do the trick he has been promising us."

The grandmother was curious.

"What trick is that my dear," she asked.

The little boy replied, "I heard daddy tell mommy that he would climb the walls if you came to visit us again."

 -----

A Minister, having served the same church for many years, decided to leave and take a similar position in another church.

Without telling anyone he had made this decision or writing a letter to the congregation, he waited until Sunday morning to
announce his resignation in church.

When he spoke to the congregation he said, "The same Jesus that called me to this church many years ago has now called upon me to leave and serve another church."

The choir all stood and sang, "What a Friend We Have in Jesus."

-----

In her memoirs, Barbara Bush described one of those most embarrassing moments that inevitably occur, even on the most carefully advanced of foreign trips. Along with her husband, then the Vice President, Mrs. Bush was lunching with Emperor Hirohito at Tokyo's Imperial Palace.

Sitting next to the Emperor, Mrs. Bush found the conversation an uphill task. To all her efforts at verbal engagement, the Emperor would smile and say "Yes" or "No," with an occasional "Thank You" tossed in for good measure.

Looking around her elegant surroundings, she complimented Hirohito on his official residence.

"Thank you," he said.

"Is it new?" pressed Mrs. Bush.

"Yes."

"Was the old palace just so old that it was falling down?" asked Mrs. Bush.

In his most charming, yet regal, matter, Hirohito replied, "No, I'm afraid that you bombed it."

-----

Three boys are in the schoolyard bragging of how great their fathers are.

The first one says:"Well, my father runs the fastest. He can fire an arrow, and start to run, I tell you, he gets there before the arrow".

The second one says:"Ha! You think that's fast! My father is a hunter. He can shoot his gun and be there before the bullet".

The third one listens to the other two and shakes his head. He then says:"You two know nothing about fast. My father is a civil servant. He stops working at 4:30 and he is home by 3:45!!"

-----

----Is it possible to be totally partial?

---

JOIN THE ORGANIC MOVEMENT!!

Join with the fastest growing segment of the product market, natural and organic products,
with the first third-party Certified Organic complete line of Personal Care Products.
Visit www.macarthur.mionegroup.com or call 800-331-9547

- 4/2

---

The Dollar Stretcher
by Gary Foreman

Auto Loan Prepayment Penalties

I would like to prepay on my auto loan. My payments are $261 each month with a very high interest rate of 13.9%. I have paid all my other debts off and want to start getting the car paid early. I called the finance company and they told me all prepayments go to interest first. How does this work? Why prepay if I am just giving to interest? This extra payment would be above the normal payment. For example: Pay the payment of $261 and then write a separate check for $500 each month directed to go to principal only. Could you explain this to me?
Carol

Carol has been caught in the auto loan prepayment penalty trap. Back when auto loans ran two or three years this wasn't a problem. But, with the average auto loan approaching six years, more lenders have included prepayment penalties, especially for buyers with credit problems and high interest loans.

Let's learn a little about prepayment penalties. Then we'll see what choices Carol has and what the rest of us can do to avoid the trap that Carol is in.

Unfortunately for consumers, there's more than one way to extract a prepayment penalty from a borrower who wants to pay off an auto loan early.

The simplest method is to charge a percentage of the remaining loan balance as a penalty. As the principal owed goes down, so does the penalty. Prepayment penalties are allowed in 36 states and the District of Columbia. The bad news for the lender is that it's easy for a consumer to understand what's going on and 14 states don't allow prepayment penalties.

So some lenders dusted off an old method of computing interest commonly known as the rule of 78s. It front loads the interest charges. For example, the first payments go toward repaying all of the interest that will be owed over the life of the loan. Only after that will payments reduce the principal. Paying off the loan early won't save you any money. In 1992, Congress outlawed this method for loans longer than 61 months, but 43 states allow it for shorter loans.

Yet another way to penalize prepayments is found in something called a "pre-computed" loan. In that loan, you agree to repay the total amount of interest plus the principal no matter how quickly you repay the loan. Again, it's not technically a penalty for prepaying; it's just a different type of loan, but the results are the same.

So what can Carol do? The first thing is to pull out her loan agreement and read the section on prepayments. Also, check the section that explains how interest is calculated. She needs to know what provisions she's facing.

It sounds as if she has a "pre-computed" or "rule of 78s" loan. If that's the case, there's not much she can do with the loan. The best choice is to simply make her payments on time and save the extra money for the purchase of her next car.

If there's a prepayment penalty, she can use an online calculator to figure out how much interest she'd save by paying the loan early and compare that to the amount of the penalty. She'll find a good one on the Bankrate.com site at www.bankrate.com/dls/auto-loan-calculator.asp.

The sad fact is that once you sign an auto loan agreement with one of these provisions, there's not much you can do. Occasionally, a lender will waive the prepayment clause, but not often. The only real option is to take the money that would have gone for prepayments and save it where it'll earn some interest.

The best way to fix this problem is to avoid it. Unless you have bad credit, you should be able to find a simple interest loan with no prepayment penalty. A simple interest loan only charges interest on the money that you owe each month. Shop around until you find one. Do your loan shopping before you find a car. Remember that the loan the dealer offers may not be the best one you qualify for.

Read the fine print before you sign any loan agreement. No matter how uncomfortable it is sitting in those tiny dealer cubicles with the salesperson looking on, it's important. That's where you'll find things like the prepayment penalty. Even a knowledgeable person will require a half-hour to plough through the paperwork. If you're uncomfortable, ask the salesperson to leave. They can return after you've finished.

Don't be afraid to ask questions. As we've seen, there's more than one way to penalize a borrower who wants to repay an expensive loan early. Just because you scanned the contract and didn't see the word "penalty" doesn't mean that there's not one. Ask what happens if you prepay the loan, and be sure that you understand the answer.

As a borrower, the best answer you'll hear is that it is a "simple interest" loan. That means you only pay interest on the amount of principal that you still owe each month. If you prepay any of the loan, the principal amount is reduced and interest owed is calculated on the lower principal the following month.

Finally, if the language seems over your head, take a copy home and ask someone who's familiar with legalese to study it before you sign it. Better to risk losing the deal on the car (unlikely) than to sign a loan agreement that keeps you trapped with high payments for six or seven years.

-----

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!

---

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 significant results with your "take charge" attitude.  Since your results come from who you are and what you do -- who you are matters and what you do matters.

- Dr. Rae
 

~ Need help with this "Weekly StressTip"? Invest in yourself, contact The Baum Group at www.YourStressMatters.com/contactus.htm ~

---

Is a book on voyeurism a peeping tome?

---

Sign up Instructions

If you have a friend who would like to receive this Newsletter have them visit our web site and sign up at: http://adv-marketing.com/business/subscribe2.htm

Say You Don’t Wish to Receive This Notification?

            Follow These Steps and You Will Be Removed

This is being sent to !*EMAIL*!

We only to people who have registered on our website. If you don't wish to receive the "Tip of the Day" Newsletter in the future, click on the link below and send us an email.

mailto:bob@adv-marketing.com?subject=TipofDay

Please ensure that TipofDay is in the SUBJECT line of the email you send.  Don’t put anything else - including words, spaces or dashes in the subject line.

IMPORTANT: To assure removal “Copy and Paste”
TipofDay AND !*EMAIL*!
and include that in the BODY of the e-mail.

You will be immediately removed. We cannot however, remove you if we do not receive the proper e-mail address and the name of the publication you are receiving.

Best Wishes
Bob
Copyright - 2008

---