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 – Clean Keyboard

** Something to Think About by Jan Tincher - Refuse to think about things you don't want.

** Food For Thought by Dr. Kevin Nunley  - Use Marketing Money Can't Buy

** Quote of the Day

** A Little Levity – The Photographer

** The Dollar Stretcher by Gary Foreman – Investing: Stocks, Options and Futures

** Publications of Interest

** Stress Matters

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still
Tip of the Day Clean Keyboard

Have you been noticing a lot of dust and dirt (or maybe even some food pieces) stuck between the keys on your keyboard? Has it been bothering you? Would you like to clean it all out? If so, just follow these four steps for basic keyboard cleaning and you'll have your keyboard looking shiny and new again in no time!

First of all, you'll want to turn off your computer and unplug your keyboard.

1.) Turn your keyboard over and try to shake out any dust, dirt, food, etc. particles that you can.

2.) It is suggested to get a can of compressed air and spray it over the keys to remove any extra debris that may be lying in between the cracks. Compressed air should be available at any computer or photo store. Also, you can read here for some tips on buying the right kind of canned air.

3.) Take a slightly damp cloth and run it over the keys to remove any fingerprints and any other dirt that might be settling in on your keys.

4.) Take your vacuum's dusting brush attachment and set it on a low mode. Just run it over the keyboard to make sure all remaining particles of dust, dirt, food, etc. are removed.

Now, if you need to do a more serious cleaning because you have sticky keys or your keyboard is just so filthy, you can't stand it, take caution and follow the rest of these steps (continued from the steps mentioned above).

First, make sure you keep track of where the keys are placed on your keyboard so that you're able to put them back on in the right order. You may want to draw yourself a picture of some sort to keep track of them as well.

Now, using a small screwdriver, carefully remove all of the smaller keys. You're not going to want to take off the larger keys, like the Space bar, Shift, Enter or Tab, because those are extremely difficult to get back on.

Next, go back to using your compressed air to clean out all of the leftover dirt that is refusing to budge. If you have any stains underneath the keys, use the damp cloth like before to get rid of those as well. Once you've got it cleaned like you want it, put the keys back in their places. Each of them should snap right back on, but be careful while doing this. Also, test each key as you go, just to make sure they're working. When you're all finished, plug your keyboard back in and try out all of the keys to make sure everything is back to normal and working the way you want it to.

Note: Please remember that the second set of steps should only be used if your keyboard is extremely dirty or clogged. You need to take special precaution when using those methods.

Bob

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Something to Think About by Jan Tincher

Refuse to think about things you don't want.
 

You can have all you want if you know what you want, by doing the same thing other successful people have done to
achieve it.

Then, keep doing it. Repetition makes masters. Masters don't think about things they *don't* want.
 

An article that will help is *Let's Be Choosey!*.  You will find it
here:  http://www.tameyourbrain.com/letsbechoosey.htm

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Stupid Quotes

"Democracy used to be good thing, but it has gotten
into the wrong hands."

- Senator Jesse Helms (R - North Carolina)

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Food for Thought

Use Marketing Money Can't Buy

Wouldn't it be nice if you could afford network TV commercials, full-page magazine ads, and an expensive ad agency to handle all the details?

Having a huge advertising budget is nice, but it can create a lot of problems. For example, I firmly believe a super-sized adbudget may make your marketing boring and ineffective.

Here's why. Small businesses and startups who don't have much money to spend must rely on good old fashioned creativity.Since big media ads are out of the question, they look for cheap or free ways to market. Those methods are often fresh,innovative, and attention-getting.

Here are some terrific low-cost ways to market your business.And boy do they get noticed:

* Take extra care in how you answer the phone. Be bright,helpful, and eager to go the extra mile.
* Put a colorful flyer in with invoices and sales letters.Highlight special deals only current and past customers can get.
* If your store or office is on a busy corner, stand outside fora period each day and get to know those who pass by.
* Write a letter to the editor of your local paper.
* Spot radio stations setting up for a live remote. Arrange tooffer free prizes to their listeners (in turn they will mentionyou, even interview you on the air.)
* Throw a monthly party at your store or office. Have cake,balloons, even a magician. Invite customers, prospects, andneighbors.
* Send a handwritten thank you note after every sale.

Have I got you thinking? Come up with more out of the ordinaryways to promote your business. It gets attention and it's cheap.

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

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Trivia

In ancient Greece, a woman's age was calculated
from her wedding day.

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Quote of the Day

There are no rules, no prerequisites. And when you learn your skills the right way,
your desire will reveal wonderful uncharted worlds within you.

Harley Brown

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- 10/28

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Grins

The Photographer
-=-=--=-=-=-=-=-=-=

A photographer for a national magazine was assigned to take pictures of a great forest fire. He was advised that a small plane would be waiting to fly him over the fire.

The photographer arrived at the airstrip just an hour before sundown. Sure enough, a small Cessna airplane was waiting. He jumped in with his equipment and shouted, "Let's go!" The tense man sitting in the pilot's seat swung the plane into the wind and soon they were in the air, though flying erratically.

"Fly over the north side of the fire," said the photographer, "and make several low-level passes." "Why?" asked the nervous pilot. "Because I'm going to take pictures!" yelled the photographer. "I'm a photographer, and photographers take pictures."

After a long pause, the "pilot" replied: "You mean, you're not my instructor?"

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California vintners in the Napa Valley area, which primarily produce Pinot Blanc, Pinot Noir and Pinot Grigio wines, have developed a new hybrid grape that acts as an anti-diuretic.

It is expected to reduce the number of trips older people have to make to the bathroom during the night.

The new wine will be marketed as
PINO MORE

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My sister has the courage, but not always the skills, to tackle any home repair project. For example, in her garage are pieces of a lawn mower she once tried to fix. So I wasn't surprised the day my other sister, Pam, and I found our sister attacking her vacuum cleaner with a screwdriver.

"I can't get this thing to cooperate," she explained when she saw us.

Pam suggested, "Why don't you drag it out to the garage and show it the lawn mower?"

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The priest said to the poor farmer, "If you had a horse, would you give it to the Lord?"

"Yes."

"And if you had a cow?"

"Absolutely."

"And a goat?"

"Sure."

"A pig?"

"Now, that's not fair!" protested the farmer. "You know I have a pig!"

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Good health is merely the slowest possible rate at which one can die.
 

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Publications of Interest
Ad Swap

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The Dollar Stretcher
by Gary Foreman

Investing: Stocks, Options and Futures

Gary, I was wondering if you might be able to help sort out how futures and stocks and options etc work.  I'd like to get into investing but I'd prefer to have a little bit of an understanding before I sit down with an investment consultant--I'd prefer that the person teaching me not have a financial interest in which avenue I choose.
Thanks! Don

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If Don wants to begin investing he will need to know the difference between stocks, options and futures. And, he'll need to know how they work. But chances are pretty high that he won't ever get involved in either options or futures.

We'll begin by defining what each type of investment is and how they work. Starting with stocks. A stock is a share of ownership of a company. Let's create a simple example. Suppose you own a lemonaid stand 50/50 with your brother. You each own half of the lemonaid stand company. If there were 2 shares of stock, you'd each own 1 share. That share of stock would entitle you to participate in any cash distributions that the company made and also in any of the profits.

A share of stock in any publicly traded company is the same thing. The only difference is that you have thousands of partners (not just your brother). Suppose you own shares of stock in the local electric company.  If they make a cash distribution (also known as a dividend) you'll receive your proportionate share of the distribution. If the electric company has profits that they don't distribute as dividends, then that money will increase the 'book value' of the company. That increased 'book value' should translate into higher prices for shares in the company that are bought/sold. The reason is simple. People are willing to pay more for a company that's doing well and making money. So you can benefit two ways from owning stock: dividend checks and an increase in share price.

You can own stocks by purchasing shares in the company (typically from another investor using a broker & exchange, but occasionally from the company itself) or through a mutual fund (where a manager invests your money).

So much for stocks. Next let's look at options and futures. Most investors never buy or sell an option or a futures contract. And, with rare exceptions, most investors never have the need to buy or sell an option or futures contract.The reason is that they're both designed for a specific purpose and most investors never get near that situation.

An option is just what it's called: an option to buy or sell a specific number of shares of a specific company at a preset price until a specific date (a lot of specifics, huh?). For instance, it could be the right to buy 100 shares of Ford at $4 per share until October 17, 2008. The right to buy shares is termed a 'call' because you can 'call' for your shares. The right to sell shares is termed a 'put' because you can 'put' your shares into someone else's hands. Just because you own the option does not mean that you have to 'exercise' it. In other words, you could have the right to buy Ford shares at $4 per, but decide that you'd rather not. Typically that happens when they're selling on the exchange for less than $4. No sense exercising your call when you could buy them cheaper on the exchange if you wanted to.

There are some situations where owning a put or call makes financial sense. But most investors will live a lifetime and never get into any of those situations. Some, however, will use options as a way to try to leverage their investment. Let's make up an example. Take our Ford call. Suppose that you thought that they were about to announce a major breakthrough in gas mileage. Something that could double their stock in short order. You don't need to buy the stock to bet on that announcement. All you have to do is to buy calls on the stock. Much cheaper than buying the shares. If the stock pops you exercise your calls and make a bundle. On the other hand, if the announcement doesn't happen or happens and doesn't move the stock, all you're out is what you paid for the calls. Not nearly as expensive as buying the stock and watching it decline when the expected move doesn't happen! Another way to make money on puts & calls is to buy and sell them before they expire. Because they have a limited life they tend to be much  more volatile that the stock that they represent.

Now, some would argue that that's a legitimate reason to buy an option - to gamble on a short-term move without risking a bunch of money. And, to that extent, they're right. But, Don described himself as an 'investor' not a 'speculator'. There is a difference. A speculator is looking for the quick buck. Bascially gambling. If you're into gambling there's nothing wrong with that. But, an investor is looking for good companies that he/she would like to own a part of. Not the same thing.

Futures contracts are somewhat similar to options. They're a contract that commits you to buying/selling a certain amount of a commodity at a set price on a specific future date. I believe that originally they were created for farmers that wanted to know for sure what price they'd get for their crop at harvest time. And, they work well in that situation. They can also allow large consumers (think cereal producers who use tons of product) to know what they'll pay for a commodity regardless of how big this year's crop is. In fact, one airline managed to lock in it's price for jet fuel for most of the past year because they had futures contracts at prices that were set up before the latest round of oil price jumps. Great use of futures.

But, for the individual investor there's not much reason to put a futures contract into your college fund or retirement portfolio. Unless you're like the farmer or the airline, the only reason that an individual would be involved is because they can leverage their money to make very large bets on price swings. Not that people don't make big gains (and losses) in the futures market. I recall back when I was a broker with Smith Barney in the 80's we had a commodities broker who claimed that he could teach anyone to make money buying and selling commodities. But, he told them up front that they'd probably lose about $40,000 in the learning process. In today's dollars that's probably 4 times as much.

So for Don, it's really a matter of learning more about stocks. Unless he has some special needs or is looking to make a quick buck, there's no need to consider options or futures for his portfolio.

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.

Live the power of your dreams.

- 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...
Do it the way your wife told you to.

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Copyright - 2008

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