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 –  Windows Update E-mail Scam

** Something to Think About by Jan Tincher

** Food For Thought by Dr. Kevin Nunley  - Five Ways to Make Newspaper Ads Sell

** Quote of the Day

** A Little Levity – Two guys from Tennessee

** The Dollar Stretcher by Gary Foreman – Lessons from an Economic Crisis

** Publications of Interest

** Stress Matters

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Welcome

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still
Tip of the Day Windows Update E-mail Scam

Today's topic is something that has been around for the last couple of years, but within the last few weeks, it seems to have crept back up again. This is a security issue and you all need to be aware of it.

To begin, this e-mail scam has to do with the Windows Updates that come out every second Tuesday of each month. The hackers involved with this scam are pretending to be Microsoft and they're sending out fake e-mails, telling users they need to install a critical update right away. They give you a link to follow, which takes you to a false version of the Windows Update Web site. You are then presented with a series of links you can use to download the update, but in all actuality, you're downloading a Trojan virus and other malicious patches. If your computer becomes infected with the virus, the hackers can then obtain complete control of your PC.

Now, there are a couple things you should look out for when it comes to this particular scam. First, the hackers usually try to send this e-mail out right around the time when a monthly update is scheduled to arrive. And in case you haven't noticed, we are now in a new month and the new updates will be coming out next week sometime (right around October 14, 2008). So, keep your eyes out for any unusual e-mails within the next week or so, because if it's going to happen, it will be soon. Also, keep in mind that Microsoft will never send you an e-mail about their updates. The updates will always show up in your taskbar and nowhere else. Don't be fooled by a look alike Microsoft image. Like we always say, just use some common sense when you're going through your e-mails. If something looks suspicious, delete it and forget about it. If you do that, you'll be just fine!
 
 

Bob

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Something to Think About by Jan Tincher

Did you know there was a cure for heartache?

There is. Laughter. Have you ever sat through a funny MarxBrothers show and felt the same way you did before you started watching it? Probably not. I taped a whole video cassette of World's Funniest Videos and I watch it when I get to feeling down. I can't help but laugh. It may not cure everything, but it takes away my heartache for as long as I'm watching, and
many times way beyond.

What makes you laugh? Figure it out and use it often.

This article will help: *Relax, Or You're Going To End Up
Like All My Dead Friends*  http://www.tameyourbrain.com/relaxfriends.htm

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Stupid Quotes

"In an action film you act in the action, in a drama film
you act in the drama."

- Actor Jean-Claude Van Damme

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How To Build An Information Products Business.

Want to be a publisher?  Free lessons, 10 steps make it easy
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- 12/30

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Food for Thought

Five Ways to Make Newspaper Ads Sell

Newspapers usually command 80 percent of the ad revenue in anycity. That's because newspaper advertising works.

Here are five ways to make your newspaper ads sell:

1. Put your main benefit in your headline. Ads that try to be cute, or get people guessing about what they offer may work for some, but it's a risky way to go. You'll do better if your headline clearly says what you are trying to sell and why people should buy it.
2. Give people a time limit. Make your sale one day only. Put a big expiration date on your coupon. There are a lot of ads competing with yours. A time limit will encourage people to acton your offer now, rather than someone else's.
3. Use the same logo or look in every ad. People will learn to recognize you without having to read the ad. Even when they don't have time to review your offer, they will sense your presence and remember you another day.
4. Try those tricks newspapers like. They work. Put a border around your ad or include an arrow, icon, or bold text to make your ad stand out.
5. Show a picture of your product or service in action. People reading the paper look at pictures first, then read the copy.

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

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Trivia

In Scotland, New Year's Eve is called hogmanay, and is an
occasion when young people go about singing and seeking gifts.

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Quote of the Day

"You are never given a wish without also being given the power to make it true.
You may have to work for it, however."

 - Richard Bach, Author

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- 10/28

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Grins

Two guys from Tennessee
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Two guys from Tennessee, Mike and Rob were on the roof, laying tile, when a sudden gust of wind came and knocked down their ladder.

"I have an idea," said Mike. "We'll throw you down, and then you can pick up the ladder."

"What, do you think I'm stupid? I have an idea. I'll shine my flashlight, and you can climb down on the beam of light."

"What, do you think I'm stupid? You'll just turn off the flashlight when I'm halfway there."

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Juanito calls into work one morning and says, "Hey, boss I not come work today I really sick. I got headache, stomach ache and my legs hurt, I not come to work."

The boss says, "You know Juanito I really need you today. When I feel like this I go to my wife and tell her to give me sex. That makes me feel better and I can go to work. You should try that."

Two hours later Juanito calls, "Boss, I did what you said and I feel great, I be at work soon. You got nice house."

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A woman went into a hardware store to purchase a bale of peat moss.

She gave a personal check in payment and said to the clerk, "I suppose you will want some identification."

He replied, without hesitation, "No ma'am, that won't be necessary."

"How come?" asked the woman.

"Crooks don't buy peat moss," answered the clerk.

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When Donna found out she was pregnant, she told the good news to anyone who would listen. But her 4-year-old son overheard some of his parents' private conversations. One day when Donna and her 4-year-old were shopping a woman asked the little boy if he was excited about the new baby.

"Yes!" the 4-year-old said, "and I know what we are going to name it, too. If it's a girl we're going to call her Christina, and if it's another boy we're going to call it quits!"

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When the chips are down,
the buffalo is empty.

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Publications of Interest
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The Dollar Stretcher
by Gary Foreman

Lessons from an Economic Crisis

Lately the economy is big news. As someone who discusses personal finance I'd have to say that the discussion is good. But, if you add up all the news reports (print, radio, television, internet) you wonder whether Jane and Joe Consumer are really learning anything. So much of what is being reported has no practical value for folks like you and I. So let's see if we can learn something from the turmoil all around us.

Lesson #1. "Zero Down" mortgages can be dangerous. "No money down" - sounds like every would-be homeowner's dream offer. No need to struggle saving a down payment. No need to wait until you do. Just sign on the dotted line. Only one problem. You're upside-down in your home as soon as you close on it. Yep, you owe more than it's worth. Unless you managed to keep all the closing costs, origination fees, attorney's fees, etc out of the mortgage. And, that doesn't typically happen (because your goal was to show up at closing with nothing but your ball point pen).

So maybe being upside-down in your home isn't so bad. Guess again! You can't sell your home (unless you can afford to bring a check to the closing). Yep, you're stuck. And, you'll stay stuck until the house appreciates to the point where it's worth more than the balance of your mortgage.

Lesson #2. "Interest Only" mortgages can be dangerous. Interest only mortgages were sold to help keep your payments "affordable" (oh, how I hate that phrase - it means we've done something to your loan that'll hurt more later so that it doesn't hurt now). Yes, it's true, you won't have a pay a portion of the principal you owe each month. So your payment will be lower. But, because you're not paying any principal the amount you owe doesn't go down each month. That means that the only way that you'll actually own more of your house is if the value of your home increases. If home don't appreciate? You could end up owing more than the home is worth (see "zero down" mortgage comments).

Lesson #3. The 30 and 15 year fixed mortgages have advantages. Both the lender and homeowner benefit. Because the interest rate is fixed, both know how much the payment will be. For the entire life of the loan. No worry that increases in the interest rate will outpace the borrower's income.

Plus, with every payment a portion of the mortgage is paid off. In small amounts at first, but increasing as time goes on. That means that every payment check is just a little more efficient than the one before. And, the homeowner's equity increases each month. Even if house prices fall, a portion of the monthly payment will help increase the amount that the borrower owns.

Lesson #4 Not everyone can afford the home that they want. We'd all like it if everyone could afford a nice, spacious home in a good neighborhood. After all, that's the American dream. But, the truth is we're not there yet. When you want to own a home badly enough you'll be tempted to believe anyone who will lend you the money to buy your dream palace. Don't be fooled. You won't find them anywhere nearby when you struggle to make the payments. They won't even recognize you on the street. They sold your mortgage to Freddie Mac or Fannie Mae and you are so yesterday. They're busy working today's deal. Don't place all the blame at their feet. If you buy a house and take on a mortgage without thinking about how different future situations (like a falling housing market) will play out, you have no one to blame but yourself. (and ignorance is no excuse. You don't have to be too smart to ask for help from someone who knows more)

Lesson #5.Just because the government says it's ok doesn't mean that it really is ok. Back in 2004 Congress held some hearings. Problems were identified at that time. You can read what the NY Times reported here < http://www.nytimes.com/2004/12/16/business/16fannie.html?_r=1&oref=slogin > Shortly thereafter the head of Fannie took early retirement as reported in USA Today < http://www.usatoday.com/money/companies/management/2004-12-21-fannie_x.htm > At the time some in Congress said that there was nothing seriously wrong and let business go on as usual.

If you took out one of these mortgages since the fall of 2004 you might want to do a little research and see what your representative was saying about Fannie and Freddie back then. They could have prevented you from falling into this trap. It's sad, but you trusted people for good financial advice and didn't get it.The rest of us should also check the voting record. Instead of solving a $9 billion problem, now we're going to have to pay to clean up a $700 billion problem.

Lesson #6. Assuming that house prices will go up is dangerous. Back in 2004 housing prices had been increasing for 25 years. No one knew for sure what the future would bring. History said that prices were going up. But, there was no guarantee that it had to continue without a break. In fact, from about 2002 on many people were predicting that housing prices had to retreat.

Homeowners who bet the house on a rising market are doing just that. Betting their house. Shame on the people who promised them that prices couldn't drop. And shame on the borrowers' who believed them.

Lesson #7. Accumulating a down payment before buying a home is a good thing. Sure it's nice to be able to buy your dream home today even if the only thing you have in your pockets are your hands and some credit cards. But, it's not a good idea. Here's why. When you save for a down payment you're forced to live below your income. So you get used to sacrificing. You also limit your standard of living. Then later when you've saved the down payment and buy your home you've created the habit of controlling your finances. Not so if you buy with no money down.

Lesson #8. Americans had too much of their wealth tied up in their homes. For the last 25 years housing prices went up. So we didn't need to do anything to become wealthier. Just stay in our house. That would be ok, but during the same time we've been spending just about every dollar we earned. In fact, it was very tempting to use the newly created home equity loans to tap into that new wealth to buy cars, vacations, pay off credit card debt or anything else that came into our little noggins. It also caused us to think that we were wealthier than we really were.

Lesson #9. Just because someone will lend you the money doesn't mean that you should borrow it. You'd think that if a bank or mortgage company were going to lend you $250,000 that they want to be fairly sure that you'd be able to repay it. Only seems logical. But, in this particular case you'd be wrong. The reason is that the bank/mortgage company was only going to own your mortgage for a short period of time. They sold the loans to Fannie and Freddie. So beyond the first few months they didn't care whether you could afford the mortgage payments.

They say that one way that we differ from the animals is that we can pass what we learn on to future generations. Let's hope that's the case with this mess.

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.

Improvement comes from challenging yourself. Start with your thoughts.  Become mindful of your thoughts and proactively change what you are thinking.

- 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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What do women get once a month that lasts only a couple of days??

...Their husband’s salary!

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Copyright - 2008

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