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 – Missing Email

** Something to Think About by Jan Tincher - Do you make mistakes?

** Food For Thought by Dr. Kevin Nunley  - Getting Your Email to Go Through

** Quote of the Day

** A Little Levity – You Gotto Love the South

** The Dollar Stretcher by Gary Foreman –

** Publications of Interest

** Stress Matters

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still
Tip of the Day Missing Email

If you are not getting email from someone or from a newsletter that you wish, you should also the sender's e-mail address to your Address Book. This will help your e-mail to see that incoming mail from certain senders is A OK! To do this in Outlook Express, find the e-mail from the sender you want to add to your book, right click on the message and choose "Add this sender to address book."

For AOL e-mail, view a message from the sender you want to add and find the "Address to Address book" icon on the far right side of the window. Click on the icon and then choose Save.

For Hotmail users, view a message from the sender and click on "Save Address" on the right hand side of the toolbar. It will then prompt you to enter some details about the sender if you want. Click OK when you're done.

Yahoo! users just need to view a message from the sender and click on the "Add to Address Book" icon. Once that is done, the sender's e-mail address will come up in a different text box and you just need to click on "Add to Address Book" again to finish.

If you use Thunderbird e-mail, go to your Inbox and double click the name or the address in the "Sender" column. The e-mail message will then come up on your screen in a separate window. Now, right click on the sender's name or address and choose "Add to Address Book." Then click OK to finish.

And last, but not least, if you use Microsoft Outlook, go to your Inbox and double click on the name or address in the "From" column. This will bring the message to its full screen size. Next, right click on the sender's name or address, choose "Add to Outlook Contacts" and then click OK.

Now, if you've gone through all the above instructions and you're still having trouble getting the e-mails you're expecting, you may need to contact your ISP about the problem. Sometimes other people who use the same e-mail client as you continuously complain about certain e-mails being spam. Well, those certain e-mails just might be our newsletter or the other e-mails you do want. So, if enough people complain, an ISP will sometimes block that e-mail so that no one can get it. But, if you talk to your ISP, they might be able to set up some specific rules just for your account so you can start getting the e-mails you want again.

Bob

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Something to Think About by Jan Tincher

Do you make mistakes?

Instead of thinking about all the mistakes you've made, how about if you figure out the *types* of mistakes you've made? No doubt you'll find there is a pattern. Patterns can be changed. If you find yourself saying, *I always do this!* and it's not what you *always* want to do, change it.

Knowledge is power, but not until it's applied. Use that knowledge to your advantage. Change your *mistake* pattern. Feel the power!

Here is an article that may help: *Habits Are . . . What?*
http://www.tameyourbrain.com/habitsarewhat.htm

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Stupid Quotes

"I am not going to give you a number for it because it's not
my business to do intelligent work."

- Defense Secretary Donald Rumsfeld, asked to estimate the
number of Iraqi insurgents while testifying before Congress,
Feb. 16, 2005

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Food for Thought

Getting Your Email to Go Through

Have you had trouble getting email from people who say they sentit? Or your messages aren't getting to others?
As servers try desperately to filter out the ever increasing onslaught of spam, more than a few non-spam messages are gettingmopped up as well.

Here are a few simple ways to get around the problem.

1. Get one or two different email addresses. Get a Hotmailaddress. Use the free address your ISP provides you. When a customer calls saying, "didn't you get the five emails I sent you?" suggest they send again to one of your other addresses.

2. The same idea works in reverse. When a customer can't get your messages, ask if they have a different address. Chances are their server is filtering out a lot of their mail and they'vealready considered the additional address solution.

3. Watch for attachments getting blocked. Many people are keeping out viruses sent by attachment by refusing all attachments or those over a certain size. I paste the document into the body of the message in those cases.

4. Ask your site host to reduce the level of filtering on your email. Many can do this. Of course, you'll get more spam, but you will also get fewer cases where customers can't get email toyou.

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

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Trivia

Barbie's boyfriend Ken was not sold in India until recently
because it clashed with the traditional arranged marriage.

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Quote of the Day

"Painting is poetry which is seen and not heard,
and poetry is a painting which is heard and not seen."
- Leonardo Da Vinci
 

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- 10/28

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Grins

You Gotto Love the South
-=-=--=-=-=-=-=-=-=-=-=-=-=

Tennessee

The owner of a golf course was confused about paying an invoice, so he decided to ask his secretary for some mathematical help. He called her into his office and said, "You graduated from the University of Tennessee and I need  some help.  If I were to give you $20,000, minus 14%,how  much would you take off?"

The  secretary thought a moment, and then replied,

"Everything but my earrings."

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    Alabama

A group of Alabama friends went deer hunting and paired off in twos for the day.  That night, one of the hunters returned alone, staggering under  the weight of an eight-point buck.  "Where's Henry?" the others asked.  "Henry had a stroke or somethin'.  He's a couple of miles back up the trail," the successful hunter replied.  "You left Henry laying out there and carried the deer back?"  They inquired.

 "A  tough call," nodded the hunter.  "But, I figured no one is going to steal Henry!"

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Texas

The Sheriff pulled up next to the guy unloading garbage out of his pick-up into the ditch.  The Sheriff asked, "Why are you dumping garbage in the ditch?  Don't you see that sign right over your head."

"Yep", he replied.  "That's why I  dumpin it here, cause it says 'Fine For Dumping  Garbage'."

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Louisiana

A senior at LSU was overheard saying... "When the end of the world comes, I hope to be in Louisiana "

When asked why, he replied he'd rather be in Louisiana because everything happens in Louisiana 20 years later than in the rest of  the civilized world.

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Mississippi

The young man from Mississippi came running into the store and said to his buddy, "Bubba, somebody just stole your pickup truck from the parking lot!"

 Bubba replied, "Did you see who it was?"

 The  young man answered, "I couldn't tell, but I got his license number."

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Georgia

A Georgia State trooper pulled over a pickup on I- 75.  The trooper asked, "Got any I. D. ?"

The driver replied, "Bout whut?"

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North  Carolina

A man in North Carolina had a flat tire, pulled off on the  side of the road, and proceeded to put a bouquet of flowers in front of the car and one behind it.  Then he got back in the car to wait.  A passerby studied the scene as he drove by and was so curious he turned around and went back. He asked the fellow what the problem was..

The man replied, "I have a flat tire."

The passerby asked, "But what's with the  flowers?"

 The man responded, "When you break down they tell you to put flares in the front and flares in the back.  Hey, it don't make no sense to me neither."

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And this from South Carolina

"You can say what you want about the South, but I ain't never heard of anyone wanting to retire to the North!!!"
 

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"I used to eat a lot of natural foods until I learned
that most people die of natural causes."

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Publications of Interest
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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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If at first you don't succeed,
look in the trash for the instructions.

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Copyright - 2008

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