Your Tip of the Day

by Bob Osgoodby

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- 11/21

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In this Issue

** Tip Of The Day – Vista Sound and Volume Controls

** Something to Think About by Jan Tincher - Do you want to change?

** Food For Thought by Dr. Kevin Nunley  - Getting People To Click Your Links 

** Quote of the Day

** A Little Levity – Criticism

** The Dollar Stretcher by Gary Foreman – FADD - Financial Attention Deficit Disorder

** Publications of Interest

** Stress Matters

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still
Tip of the Day Vista Sound and Volume Controls

Microsoft has added  new sound controls to its Windows Vista operating system. They really are a welcome addition in terms of features and ease of use. New to the Vista sound controls is the ability to individually control the volume of software applications that use sound, including the background Windows sounds. From now on, you will no longer have to listen to the clicks, bells and other somewhat annoying sounds if you don't want to.

Access to most of the available sound features in Vista is accomplished by right clicking on the sound icon in the notification area of your taskbar. From there, you can open the new Volume Control, open the Audio Devices Panel and set the default System Sound Events. These items may also be accessed by going to Start, Control Panel, Hardware and Sound, Audio Devices and Sound Themes.

Opening the Audio Devices section will allow you to view the active Output and Input sound devices on your system. From this panel, you may access the Advanced Properties of each device as well, such as tone adjustments, speaker configuration, levels and other general options for that device. From the sound icon, you can also choose the System Sound Events, which will allow you to set your default Windows sounds, such as the beeps and clicks you hear when doing various Windows tasks.

Opening the Volume control from the sound icon will allow you to adjust the volume of any currently open applications that happen to use sound. To the far left is the Main Volume and to the right, you'll see the individual sliders for open applications. The first slider under the Applications section is for the Windows sounds and so on. Now, each slider can be adjusted independently and they only control a specific application. The icons above each slider helps you to easily identify the application and if you hover your mouse over the icon, it will give you more detailed information.

Bob

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Something to Think About by Jan Tincher

Do you want to change?

Some people don't realize the responsibility attached to that question. Some don't realize YOU must take personal responsibility
for your change. No one can do it for you. If they did, your change wouldn't be permanent.

In fact, any change you make will be temporary unless YOU take responsibility for your change. In my practice, I always ask "Are YOU ready to take responsibility for this change? Will YOU implement it now?" Will YOU make it permanent?

We have all created what we are experiencing. If we have created what we have, then we can create what we want to have. Before that can happen, we have to know, feel, acknowledge that we MUST change, that we MUST change our circumstances, and that we CAN change it all.

What do you think?

Here is an article that may help: 6 Steps To Making A Big
Change In Your Life
Http://www.tameyourbrain.com/6steps.htm

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Stupid Quotes

"Pitching is 80% of the game.
The other half is hitting and fielding."

- Mickey Rivers, baseball player

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Food for Thought

Getting People To Click Your Links
 
Got a web site link that doesn't get clicked by enoughpeople? Here are several ways to immediately get morefolks to click.

1. Put the link nearer the top of your page. I've noticed over and over that the number of times a link gets clicked is directly related to how near the top of the page it is.

2. Link your headlines. I used to write a headline, then a paragraph, then put the link to the sales page at the end.Results zoomed when I made the headline the link.

3. Stick with old fashioned blue, underlined links. Links that aren't underlined and are different colors may look better, but a lot of hurried prospects won't notice they are links. If the default florescent link blue color hurts your eyes, opt for a darker blue.

4. Above all, include an enticing description with your link.Tell people what is in it for them if they click.

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

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Trivia

The hydra, which is related to the jellyfish, can grow its body
back in a couple of days if it is cut in half.

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Quote of the Day

The most decisive actions of our life ... are most often unconsidered actions.

André Gide:

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Grins

Criticism
-=-=--=-=
.
At a dinner party, one of the guests was an obnoxiously loud young man. He made disparaging remarks about everyone and everything. When served a piece of meat, he picked it up with his fork, held it up and smirked: "I suppose this is pig?"

Another guest, sitting opposite, asked quietly: "Which end of the fork are you referring to?"

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The Senate is investigating deceptive sweepstakes practices.

These companies target the elderly and make them think they will receive a bunch of money, but in reality they never see any of it.

The most popular of these scams is called Social Security.

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At breakfast one day, I eagerly waited for my husband to comment on my first attempt at homemade cinnamon rolls. After several minutes with no reaction, I asked, "If I baked these commercially, how much do you think I could get for one of them?"

Without looking up from his paper my husband replied, "About 10 years."

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As the regiment moved out, the crowd cheered. One soldier asked another, "Who are all those cheering people?"

The veteran answered, "They're the ones who aren't going."

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I have the most marvelous recipe for meat loaf - all I have to do is mention it to my husband
and he says, 'Let's eat out!'"

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Publications of Interest
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or call me 530-272-4471 Pacific time

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The Dollar Stretcher
by Gary Foreman

FADD - Financial Attention Deficit Disorder

If you Google "attention deficit disorder" you'll get 3,150,000 returns. Leading the pack is the Attention Deficit Disorder Association <http://www.add.org/ >. As near as I can tell, it was about 1980 when doctors first started talking about people who had "attention deficit disorder". Move forward a few decades to today and you'll hear the phrase frequently. Not only in relation to children, but also to adults. there are a variety of similar disorders and ways to describe it:  ADHD (A.D.D., ADD/ADHD, ADD-ADHD, A.D.D.) according to the add-adhd.org
< http://www.add-adhd.org/ADHD_attention-deficit.html>

I think that it's time for a new designation: FADD. It will stand for Financial Attention Deficit Disorder. Hard to say how many people suffer from FADD, but based on my email and the headlines in the local paper it's a lot.

There are a variety of symptoms. An inability to see the financial consequences of a decision. The need for immediate gratification regardless of cost. The overwhelming desire for an immediate solution to a financial problem. These are the most common of symptoms. Let's look at them one at a time.

Many people are inable to see the financial consequences of their decisions. In fact, that's why credit cards were invented. You can see FADD at work at malls and other places where people shop. Many who suffer with FADD begin with smaller items. It's not uncommon for them to spend an entire day at the mall shopping. Those suffering from advanced FADD will be carrying multiple shopping bags from various stores in the mall. Acute sufferers sometimes take purchases out to their car in the parking lot and return for more shopping. When challenged as to how they'll pay for their shopping sprees they can become dangerous. Be cautious approaching someone displaying this type of FADD behavior. They've been known to ridicule the financial status of people who don't share their urge to shop.

Another similar FADD behavior is the person who compelled to make a purchase now without thinking of the costs. Any time that you hear someone convincing themselves that they can afford the payments you're probably dealing with a case of Immediate FADD (or IFADD). It's unfortunate, but salespeople are prone to encourage FADD behavior. Initially people exhibiting this type of FADD limit themselves to small items and they make an attempt to delay purchases. Some IFADD victims are able to limit themselves to buying knives and costume jewelry on the shopping channel or internet. But most find their IFADD is progressive and they soon move to larger items. Most commonly they'll progress to electronics/appliances, then automobiles/boats/recreational vehicles and finally to overly large homes (sometimes known as "McMansions").

The third most common symptom of FADD is the inability to pursue a long-range financial plan (sometimes known as LR-FADD). This sufferer requires an instant solution. The symptoms vary from case to case. In one variation victims are unable to save for the future. They're unwilling to put money away today for a need later. IRAs and 401k plans are especially vulnerable to the FADD sufferer although the symptoms differ. Someone with LR-FADD will be unwilling to fund an IRA ("I'll never live long enough so see the money"). If they have funded a 401k account (typically with an employer's encouragement), they'll borrow the money out to buy a car or to pay off other debts ("I'm only borrowing from myself").

There are other very similar LR-FADD symptoms that can be hard to identify. In one strain the victim who is in debt because of his FADD behavior expects that any solution will be immediate and painless. Any solution to their debt problem that takes months or years will be rejected as taking too long and being 'impossible' to complete. Unfortunately in these cases, bankruptcy has been the only solution that's proven effective (and then only under supervision to prevent the victim from returning to previous FADD behaviors).

It's unusual for a FADD victim to recognize that they have a problem.  Usually it's up to a friend, loved one or financial advisor to identify the symptoms and suggest treatment. If you see someone you love exhibiting FADD approach them cautiously. While not prone to violence, they have been known to terminate long-standing relationships when confronted with their FADD symptoms by a friend, relative or co-worker.

Drug and alcohold therapy does not appear to work. Typically self-administered in moderate doses, only a very temporary reduction of symptoms is produced. And, in some cases, the patient can become agitated while self-medicating. Therefore drug and alcohol therapy is to be avoided.

Counseling appears to provide the best opportunity for the FADD sufferer to recognize their condition and embark on a course to reduce or eliminate FADD symptoms. Many patients report that by studying their habits and seeking out alternative behaviors they can lead a normal, productive life. In a majority of those cases patients demonstrate no propensity to return to FADD behavior patterns.

Friends and relatives are encouraged to addess the topic of FADD with those who demonstrate the symptoms described. A non-confrontational approach emphasizing alternative behaviors is generally perceived to be the best method (sometimes called "informational therapy"). Suggesting written resources (like The Dollar Stretcher <http://www.stretcher.com/index.cfm> ) is often used as a first step. As with all interventions, care for the victim is paramount. Fortunately the new information therapies appear to be making a difference for many FADD sufferers and may offer great hope for the future.

Keep on Stretching those Dollars!

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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.

Share yourself with others using this powerful statement. "You would know that __________
[fill-in the blank] if you really knew me."

- 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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Courage is what it takes to stand up and speak.
Courage is also what it takes to sit down and listen.

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Bob
Copyright - 2008

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