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 – Outlook Express Address Book

** Something to Think About by Jan Tincher - Stretch yourself when you set your goals!

** Food For Thought by Dr. Kevin Nunley – Promote Your USP

** Quote of the Day

** A Little Levity –  Wake Up!

** The Dollar Stretcher by Gary Foreman – Smallest Bill? Or Highest Rate?

** Publications of Interest

** Stress Matters

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Welcome

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still
Tip of the Day

Outlook Express Address Book

Do you use Outlook Express for your main e-mail program? If you do, I'm sure you also use the Address Book feature that comes along with it, right? It's the easiest way to store all of your contact information. To add an entry to the OE Address Book, just go to Tools, Address Book, New, New Contact and fill in the information).

Once you have your Address Book up and running, it's probably safe to say that every once in awhile, you have to go in and update an entry. Maybe one of your contacts got a new e-mail address or maybe someone moved to a different home address, etc. Whatever the case may be, you have to go in and change the information around. So, what's the quickest way to do that?

Open Outlook Express and go to Tools, Address Book. Find an entry that you need to update and just double click it. Once you do that, the Properties window will pop right up and you can go through the different tabs and change the information as needed. Now, with the old way, you had to open up your Address Book, right click on an entry, choose Properties, etc., etc. But now, there's no more extra clicking for you. This is, hands down, the easiest way to update your Address Book.
 
 

Bob

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Something to Think About by Jan Tincher

Stretch yourself when you set your goals!

Are you stating your outcome in positive terms? Or are you using this type of sentence, *I don't want ____ to happen.* If you have *not* in your goals, redo them to state your goal in the positive. Also, leave *want* out of your goal. *Want* doesn't tell your brain
you have it, whatever *it* is. *I am* and *I have* are good ways to start your goal sentences.

Are you as specific as possible?

Do you know how you'll look, feel, sound when you accomplish your goals? If you would like to know more about how to look, feel, and sound, go here: Http://www.tameyourbrain.com/powerpicture.htm

Are you in control? If you're not, who is? If you're not, how do you expect to get where you want to go? Is your outcome ecologically sound? Meaning harm to no one?

Take a good look at your goals. Find ways to stretch even more.

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Stupid Quotes

"There are a lot of people in the world to whom the American flag is a symbol of oppression. And the anthem it self conveys a war-like message. You know, the bombs bursting in air and all. It should be swapped for something less parochial and less bellicose. I like the song 'I'd Like to Teach the World to Sing.' If that were our anthem, then I might salute it."

-Barack Obama

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Food for Thought

Promote Your USP

Your USP is your Unique Selling Position. It's the one thing you have that your competitors don't. When you promote your USP you get more customers.

Your USP could be a product or service that people want but the others don't sell. It could be something a bit more intangible like friendly service.

One search engine promotion firm I worked with NEVER answered email. Another always replies within hours. There is never any question which will get my business.

Put your Unique Selling Position on our business card, in your newspaper ads, and front and center on your web site.

If everybody in your business keeps their prices a big secret, publish yours right out in the open where anyone can examine them (you might be surprised how many of us won't buy if we aren't given the price without having to ask).

If all the others have the same products, point out how your products are original, one of a kind, first to market.

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- 5/27

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Trivia

Sound on Pictures was invented in 1926 and was called Vitaphone - First
movie short with sound was a Fox Movietone News report with West Point
cadets marching - April 1927. First feature movie was The Jazz Singer
that came out in Oct. of 1927.

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Quote of the Day

If 4 out of 5 people SUFFER from diarrhea...does that mean that one enjoys it?

George Carlin

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Grins

Wake Up!
-=-=--=-=-=

Two mothers are having a conversation about their children one day.

"How do you get your son up so early on school mornings?" asks the first woman.

"Oh, that's easy," replies the second. "I just throw the cat on his bed."

"Why does that wake him up?"

"He sleeps with the dog!"

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My nursing colleague was preparing an intravenous line for a 15 year-old male patient. The bedside phone rang and the boy's mother reached over to pick it up.

After talking for a few minutes, the mother held the phone aside and said, "Your father wants to know if you have any cute nurses."

The boy gazed at the nurse, who had the needle poised above his arm, ready for insertion. "Tell him," he replied, "they're absolutely gorgeous!"

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A fellow was sitting in the doctor's waiting room, and said to himself every so often, "Boy, I hope I'm sick!"

After about the fifth or sixth time, the receptionist couldn't stand it any longer, and asked, "Why in the world would you want to be sick, Mr. Adams?"

The man replied, "I'd hate to be well and feel this bad."

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Hospital regulations require a wheel chair for patients being discharged.

However, while working as a student nurse, I found one elderly gentleman already dressed and sitting on the bed with a suitcase at his feet, who insisted   he didn't need my help to leave the hospital.

After a chat about rules being rules, he reluctantly let me wheel him to the elevator. On the way down I asked him if his wife was meeting him. 'I don't know,' he said.  'She's still upstairs in the bathroom changing out of her hospital gown.'

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Character is like a fence - it cannot be strengthened by
whitewash.

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Publications of Interest
Ad Swap

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Australian humourist Colin Pearce writes "The Kick in the Pants Newsletter" every Thursday.
Full of business savvy and topical comment, he takes no prisoners!
Subscribe here  [http://www.colinpearce.com/resources/newsletters.html]

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The Dollar Stretcher
by Gary Foreman

Smallest Bill? Or Highest Rate?

My husband and I have accumulated some credit card debt, a personal loan from my mom, and a home equity line of credit.  Recently getting married, purchasing our first home, and some medical bills have really put a hurting on our budget.  Some advice that I have read says that one should pay off the debt with the highest interest rate first.  Other advice says to pay off the smallest debt first and work my way up the debt ladder.  Which one is the most effective in our situation?
Amy

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According to the Federal Reserve currently there is over $1.7 trillion in consumer debt. So an awful lot of people are facing the very same choice. So let's see if we can figure out what would work best for Amy.

Paying the debt with the highest interest rate will reduce the total debt quicker. The reason is clear. The higher the interest rate, the more interest is added to the balance you owe each month.

Suppose you owed money on two different accounts. The first account charges 5% interest. Paying off $1,000 would save Amy $4.17 per month in interest expense ($1,000 times 0.05 divided by 12 months).

Now suppose the second account charges 10% interest. Paying off $1,000 would save $8.33 per month. Clearly, she'll save more, and reduce her balance quicker, if she pays off the account the highest interest rate.

But, there is a risk to this strategy. It might take Amy quite awhile to pay the entire balance of the account with the highest interest. And, after 6 or 8 months of trying she might get discouraged and be tempted to give up if she's still writing a check to them each month.

Let's face it. Some people are more determined than others. And some of us need immediate feedback or gratification.

One way to get that positive feedback is to have an account disappear because it's be entirely paid off. The fact that it's the account with the smallest balance doesn't matter.

What's best for Amy? Paying off the highest rate of interest first is the most efficient answer. But depending on Amy's personality, paying off the one with the smallest balance might be the best answer.

Before she decides, there are other ways to get positive feedback as you pay down debts. One simple way is to watch your total indebtedness drop each month. Just list the balance on all your accounts and add them up. Then compare the totals after a few months. Notice how the mountain of debt is getting a little smaller. If Amy is into visuals, she could keep a running graph of the total.

Another way to encourage yourself is to watch the amount of interest owed drop each month. Remember that the interest you owe each month doesn't buy you anything. It's the price you pay for borrowing the money some time in the past.

Just list the interest charged by all of your accounts and total it. Again, compare it to the total from a few months ago. If the total amount owed is going down, so should the amount of interest that you pay each month.

Watching her balances drop might not be enough for Amy. She might be one of those people who won't feel successful until she's writing fewer checks each month. If that's the case she should pay off the smallest account first so she feels like she's making progress.

Amy will probably find that her most expensive debt is on credit cards. The least expensive will be her mortgage. If she's sure that they don't have a problem with uncontrolled spending, they might even want to use a home equity loan to pay off some higher interest debt. But only if they're not "spendaholics".

One other strategy would be to pay off one or two of the small accounts to get started. Once Amy is past the point of needing encouragement she can shift to paying more on the accounts with the highest interest.

Finally, it's more important that Amy starts now than which account she pays first. Each month she delays all of the accounts add to the interest owed. The hole gets a little deeper. It's better to pay off low interest debt, than no debt at all.

 Keep on Stretching those dollars!
Gary
 

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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.

Stay ahead of the curve by taking action everyday. Be sure to make your action decisions open new possibilities.  In this way you always have new possibilities for further action decisions.

- 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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"Are people more violently opposed to fur rather than leather
because it's much easier to harass rich women than motorcycle gangs?"

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Bob
Copyright - 2008

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