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 – Keyboard Bad?

** Something to Think About by Jan Tincher

** Food For Thought by Dr. Kevin Nunley – Bundle Several Products

** Quote of the Day

** A Little Levity – Approval Letter

** The Dollar Stretcher by Gary Foreman – Can My Employer Steal My 401k?

** Publications of Interest

** Stress Matters

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Welcome

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still
Tip of the Day

Keyboard Bad?

If you having trouble getting the keys on your keyboard to do work properly, you either have a big or a small keyboard problem. A keyboard problem is usually caused by one of two things: a bad keyboard or a bad motherboard. The first thing to check is if the keyboard is not working properly. To do so, find a working keyboard (maybe you have another one lying around your house or maybe you could borrow one from a friend). Unplug your troublesome keyboard and plug the good one in to your PS/2 port. If the other keyboard works, you'll know you have a bad keyboard and you should probably just go buy a new one.

Now, if the working keyboard did not work, you more than likely have a bad port. Unfortunately, the PS/2 port is part of the motherboard, so you will need to replace your whole motherboard. That is pretty costly, so if that's the case, you may want to consider getting a keyboard that works via a USB port. That is, if you have USB ports on your computer (which most do).

That seems to be a far better solution to buy a new keyboard than to pay for a new motherboard. The choice is yours, but at least you now know the cause of your non-functioning keyboard.

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

How do you see success?

Do you see it on the other side of this huge wall? And are you standing on your tip-toes, peaking over the top, wishing/waiting? Waiting/waiting for conditions to improve, wishing/waiting to win the lottery, wishing/waiting for an inheritance?

That's all well and good, if you've got all the time in the world, but what if you don't?

Why not take control of your success path, if only in your imagination? Why not visualize the wall getting smaller and smaller? *If you can visualize it bigger, you can visualize it smaller.* Why not decide to take control -- again, if only in your imagination? Take time to imagine or visualize the wall smaller.

Do you know what happens when you do that? When you start seeing it that way in your mind, you'll start seeing it that way in your reality. Take another look at your success. Is the wall disappearing? Doesn't success seem closer now? Ask yourself many times a week, "How do I see success?" Pay attention to your answers. If they are not what you want, change them until they are. Give your brain a direction to go. Make it the direction YOU want.

An article the may help is Look At Your Success Picture 1000 Times A Day?  You'll find it here: http://www.tameyourbrain.com/success_picture.htm

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Stupid Quotes

Danger Slow Men At Work"

- Road sign in Tennessee

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Food for Thought

Bundle Several Products

A strategy that works like gangbusters is to bundle several products at a lower price than they would cost separately.  Many customers just can't pass up a bargain.  Even though they might not need everything in the package, they will buy simply because it is such a good value.

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- 5/27

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Trivia

The muskellunge, a fierce fighting fish that can weigh in at around 70 pounds, is the official state fish of Wisconsin.

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Quote of the Day

"When you were a little kid remember how hard it was to get a cookie? Way in the back, unless your mom was really mean- then they'd be on top of the refrigerator. Nowhere on a package of Oreos does it say, 'Keep out of reach of small children.' Where's the Liquid Drano? Under the sink, right next to the rest of the poisons."

- Mike Bullard
 

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- 4/14

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Grins

Approval Letter
-=-=--=-=-=-=-=

After trying a new shampoo for the first time, Dewey mailed off an enthusiastic letter of approval to the manufacturer.
Several weeks later he came home from work to a large carton in the middle of the floor. Inside were free samples of the many products the same company produced: soaps, detergents, tooth paste, and paper items... with a "thank you" note from the manufacturer.

"Well, What do you think?" asked his smiling wife, Olga.

"I think that next time," Dewey replied. "I'm writing to Toyota".

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A man walks into a Bank, gets in line, and when it was his turn he pulls out a gun ... and robs the Bank!...
 
But just to make sure he leaves no witnesses, he turns around and asks the next customer in line:
 
Did you see me rob this Bank? The customer replies ...YES!
 
The bank robber raises his gun POINTS IT TO HIS HEAD and BANG!!!!!... SHOOTS HIM IN THE HEAD AND KILLS HIM!
 
He quickly moves to the next customer in line and says to the man: DID YOU SEE ME ROB THIS BANK????
 
The man calmly responds . No ... but my wife did!

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When I was introduced to a couple visiting our congregation, I decided to remember their names by noting they were the same as those of two characters in a popular children's story.

After the services I stopped to talk to them, and as they were saying goodbye I teased, "Be careful going up that hill! But you must get that all the time."

They smiled politely but said nothing. After they left, my wife asked, "What was that all about?"

"Jack and Jill. Up the hill. Remember?" I said.

"Yes, but what does that have to do with," she pointed to the couple, "Dick and Jane?"

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At one time in my life, I thought I had a handle on the meaning of the word "service." "The act of doing things for other people."

Then I heard these terms:

Internal Revenue Service
Postal Service
Telephone Service
Civil Service
City/County Public Service
Customer Service
Service Stations

And I became confused about the word "service" This is not what I thought "service" meant.

Then today, I overheard two farmers talking and one said he had hired a bull to "service" a few of his cows.

BAM! It all came into perspective. Now I understand what all those "service" agencies are doing to us!!!!!

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Why doesn't tomb, comb, and bomb sound alike?"

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The Dollar Stretcher
by Gary Foreman

Can My Employer Steal My 401k?

During this shaky financial time, many companies have gone out of business. Please address what will happen to the 401k. Some folks have lost everything because the company considers a 401k their property. BC

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Let's begin by easing BC's mind a little. Just because an employer goes out of business, your 401k plan does not go down the tubes with them. The company does not own your 401k. It cannot be used to pay business debts.

Any company that considered its employees' 401k plan money as "their property" would be guilty of theft. So, if BC knows of people who have lost money that way, he should suggest that they contact the sheriff!

It's very unlikely that BC is going to lose his 401k to company theft. But that's not to say that there isn't some danger for BC's 401k account if his employer goes under. There are two risks.

The first risk is that the value of the investments held in his 401k could drop. Especially if he holds stock in the company he works for. His employer may have matched his contribution to the 401k plan and invested their contribution in company stock. In fact, many companies will only buy company stock with their contribution. If the company is having financial troubles, that stock could have decreased in value.

One trick will help BC minimize this danger. Generally he can sell the company shares after a certain period of time. The 401k plan administrator will be able to tell him how long he must hold them. If he thinks that the company may be having trouble, he'll want to consider selling any shares that he can and reinvesting in something more secure.

Many employers will also encourage employees to invest their contribution in company stock. That's usually not a good idea. If something happens to your employer, you could lose your job and watch the value of the stock in your 401k plummet. Especially if company stock is the only investment in the account. That's what happened to many people at Enron. And probably what happened to the people that BC asked about.

If you do leave the company, take the 401k with you. You are not obligated to leave it under the company's oversight. You can roll the proceeds into an IRA and eliminate any potential bankruptcy problems with your former employer.

There's one other risk that BC's 401k plan faces. If a company goes bankrupt, the 401k plan for that company is said to be "orphaned." An orphaned plan is one where the sponsor and fiduciary have abandoned the plan.

The employee's money is still in the plan. But without the fiduciary and sponsor, it's not possible for the employees to get at the money. The same problem can exist when a sole proprietor dies without leaving written instructions as to who succeeds him.

Fortunately, there's a way out of this wilderness. The Employee Retirement Income Security Act of 1974 (ERISA) governs 401k plans. If a plan is orphaned, the U.S. Department of Labor (DOL) is responsible for protecting the assets. So far, they've guarded over $200 million.

Naturally the trick is getting new sponsors and fiduciaries in place as soon as possible so you can move your assets. Don't wait for the DOL to contact you. Usually they find out about an orphaned plan when a participant in the plan tells them about it. You can call the Dept. of Labor's Employee Benefits Security Administration at 202-219-8776 or toll free at 866- 275-7922.

Also, check with the plan administrator or your union. It is possible that the plan will be terminated and all of your money will be distributed to you. Or a new administrator may be assigned without the DOL getting involved.

The bottom line is that your 401k account is like any other investment account. You need to understand the risks and manage them if you want to protect your money. But if someone tries to steal your money, it's still illegal.

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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.

Tell someone what it's like being you because who you are is interesting and unique.

- 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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My mother-in-law had a pain beneath her left breast.
      Turned out to be a trick knee.

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Best Wishes
Bob
Copyright - 2008

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