Your Tip of the Day

by Bob Osgoodby

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- 4/31

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In this Issue

** Tip Of The Day – Flash Drive Removal

** Something to Think About by Jan Tincher

** Food For Thought by Dr. Kevin Nunley –  Marketing to Many Cultures

** Quote of the Day

** A Little Levity – Comatose

** The Dollar Stretcher by Gary Foreman – Replacing a Leased Vehicle - Finding the best option when your auto lease is over

** Publications of Interest

** Stress Matters

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Welcome

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still
Tip of the Day

Flash Drive Removal

Are you one of the many who use a flash drive these days? When you go to remove your flash drive from the USB port it's in, how do you do it? Do you just yank it ou and be on your way? If you do, that's not really the proper way to do it and if you keep doing it that way, you could end up ruining your flash drive.

When you're ready to take your flash drive out, double click on the My Computer icon on your desktop and find the drive that your flash drive is listed under. (It will usually be listed under a "Removable Disk" letter). Right click on that drive and choose Eject. You can then remove the flash drive with no risks of ruining anything.

There are other ways as well, but this is the easiest and has the fewest steps.

Bob

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Publish your ad in the Tip of the Day Newsletter and get your
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Something to Think About by Jan Tincher

Do you own your own business? Are you in charge of a project?

Do you have a family that likes to do things together?

Take a chance. Take this step. Designate a whole wall to answers to this one question.

"How can we improve this?"

Enjoy the participation and reap the rewards, both financial and Personal.

An article that will help is What Did You Do NEXT Tuesday?
You will find it here:
http://www.tameyourbrain.com/whatdonexttuesday.htm
faith. Share that faith.

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Stupid Quotes

"We all get heavier as we get older because there's a lot more information in our heads."

- Vlade Divac, NBA basketball player

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- 3/29

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Food for Thought

Marketing to Many Cultures

America used to be called "the melting pot" because it was considered a place where many cultures came to exist together and melt into each other. Today the more PC term for America is the "salad bowl," implying that we exist together, but don't really blend.

I would say we are somewhere in between; different cultures affect each other, but maintain their own traits, characteristics, and beliefs.

But in such a vastly diverse environment, how is a marketer to reach such a varied audience?

For one thing, you have to understand that no ad, article, or release is going to be appropriate for everyone. If you want to reach out to multicultural markets, try a series of ads, each focusing on a different audience. If that's too expensive, make an effort to incorporate elements of what would appeal to different cultures into an ad. But be careful not to go overboard.

The most important thing to do before you try to reach multicultural audiences is to understand them, just as you would any target demographic. What do different cultures value? What do they want? Don't rely on stereotypes and never make assumptions. Educate yourself before you attempt any marketing.

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

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- 5/27

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Trivia

In 1943, Navy officer Grace Hopper found a glitch in her  computer. After investigating, she discovered the system had  a bug - a real one. Turns out a moth made its way into  Hopper's computer. Though the word bug has meant fault or  defect since as far back as the 1870's, Hopper's story is  credited with making it the synonym of choice in the  computer industry.

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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

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- 4/14

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Grins

Comatose
=-=-=-=-=-=

Doctor to patient's husband: "I'm sorry. We did all that was humanly possible but we just can't wake her from her coma. It doesn't look good I'm afraid,"

"But doctor, she's so young. She's only thirty-nine."

Upon which the comatose wife said weakly ... "Thirty-seven."

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My friend's flight from Boston to New York City was delayed, so she missed her connection home to Seattle. She joined a group of other passengers in line at the ticket counter, each hoping to book seats on the next flight to that destination.

All the travelers waited patiently except for one man, who treated the agent very rudely. "I had an aisle seat reserved, and I better get an aisle seat when we get on another plane," he demanded. A few minutes later everyone was relieved when they learned that there would be room for all.

"And, sir," the ticket agent said, turning to the obnoxious man, "I am happy to tell you that you will have an aisle seat." Still muttering, he picked up his carry-on and left for the gate. "And I'm also happy to announce," the agent continued, "that the rest of you will be seated in first class."

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Bob was in his usual place in the morning sitting at the table, reading the paper after breakfast. He came across an article about a beautiful actress about to marry a football player who was known primarily for his lack of common knowledge and his fairly low IQ.

He turned to his wife Marlene with a look of question on his face. "I'll never understand why the biggest jerks get the most attractive wives."

Marlene replies, "Why thank you, dear!"

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A lady noticed her husband standing on the bathroom scale, sucking in his stomach. Thinking he was trying to weigh less with this maneuver, she commented, "I don't think that's going to help."

"Sure it does," he said. "It's the only way I can see the numbers."

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- 4/2

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The Dollar Stretcher
by Gary Foreman

Replacing a Leased Vehicle - Finding the best option when your auto lease is over

I have a 4-year-old Toyota 4Runner with 33,000 miles that will be at the end of the lease next July. I have never had any problems with the truck and I would love to keep it. However, it would cost approximately $17,000 at that time and I will only be able to pay $4,000 in cash. Is it smarter to finance $13,000 on a lesser vehicle that is brand new or only slightly used with a warranty? I have checked into financing the $13,000 for 36 months and can afford to make those payments, but that will mean paying for this vehicle for eight years. Yuck! I knew this was a mistake from the moment I did it, but now I have to get out. Jill

Jill is right. When she signed the lease three years ago, she set herself up for this problem. Leasing is attractive because it allows people to drive cars that they really can't afford. That's because you're only paying to use the car. During the course of the lease, you build no equity in the car and have to return it to the dealer at the end of the lease.

Using Kelley's Blue Book (www.kbb.com) for pricing information, we found that a 4Runner depreciates nearly $12,000 in the first four years. That's the portion for which Jill was paying. Unfortunately for her, the first few years are the most expensive years for any vehicle. That's one reason dealers push leases. It is very profitable business for them.

Jill has four basic options available to her. She can buy a new car, lease a new car, buy a used car, or buy her existing 4Runner. Let's look at each choice.

Buying a new car will be the most expensive option. A new car will mean the highest yearly depreciation and the highest monthly payments. But, the biggest advantage is that once the car is paid for, it belongs to Jill. Once she's finished with the payments, she can drive the car payment-free for as long as she likes. She'll also have the benefit of the new car warranty.

If Jill chooses to buy a new 4Runner or similar vehicle, she'd be borrowing $25,000 ($29,000 purchase minus $4,000 down payment). On a four-year loan, the average payment would be $588 per month. That means that the new car payment is nearly 50% higher than the used car payment. And she'd have an extra year's worth of payments on the new car.

A sharp dealer could reduce Jill's payment on a new car by showing her a six-year loan. That would reduce her payment to $403 per month, which is basically the same as the used car payment. But, that would mean paying over $4,000 in interest over the life of the loan and making six long years of payments.

Another new car option would be to buy something less expensive, like a Toyota Corolla. For $17,000 (the same price as her used 4Runner), she should be able to get good, reliable transportation. Plus have the warranty.

Leasing a new car would get her a lower payment. But, after a few years of lease payments, she'd be right back where she is now - without a car.

Buying a used car would keep her payments down and allow her to own a vehicle once the payments are complete. If Jill finances $13,000 on a used car or buys her present 4Runner (figuring $17,000 purchase price minus $4,000 down payment), her monthly payment would be $401 for 36 months.

The disadvantage, as Jill pointed out, is that she could be making payments on a 7-year-old car. But, at the end, she'd own a 4Runner worth over $11,000. And, if she were worried about repairs, she could buy a 4-year extended warranty for about $1,000.

Probably the best long-term choices for Jill would be to buy her 4Runner or to find a used vehicle. The payments are affordable and she will own her vehicle when they're done.

With her 4Runner, she'd be buying a used car with which she's very familiar. It is also a car with lower than average mileage.

If Jill decides to buy her car, she can negotiate with the leasing company. Depending on the circumstances, they may be willing to let her buy the car for less than the price in the original lease agreement.

Ultimately, Jill needs to decide how much she enjoys that new car smell and the comfort of a new car warranty. The safest financial deal would be to buy her leased truck or a similar used truck depending on where she can get the best deal. Next best would be to buy a less expensive new car. No matter what she decides, we hope that she enjoys many trouble-free miles.

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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.

Expect the very best from and for others and yourself. Figure out what you want and go for it.  Promise yourself  that no matter if it gets really, really difficult you won't give up.

- 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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Marriage is the mourning after the knot before.

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Copyright - 2008

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