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 –  Shift/Delete

** Something to Think About by Jan Tincher - Self-limiting beliefs hold people back.

** Food For Thought by Dr. Kevin Nunley  - Why This is a Great Time to Promote a Small Business

** Quote of the Day

** A Little Levity – Software Engineering

** The Dollar Stretcher by Gary Foreman – My Shrinking 401k

** Publications of Interest

** Stress Matters

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Welcome

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still
Tip of the Day Shift/Delete

Here are a couple oldies, but goodies for you about the Shift key on your computer keyboard. Of course, there are several other things you can do with the Shift key, but here are two of the more popular uses!

1.) Have a ton of e-mails to get rid of? This happens to me everyday. I usually have over 1,000 e-mails each day here at the office and most of them are just plain spam. So, what do I do to delete them fast? I use the Shift key, that's what! When you have a long list of e-mails in a row that you want to delete, highlight the first message, hold down Shift and then highlight the last e-mail. Press the Delete key and the whole list will be gone in mere seconds!

2.) Everyone does some cleaning out and deleting on their computers every once in awhile (or at least they should!). So, when you do, you probably go through the Recycle Bin, am I right? Well, if so, are you tired of the two step process you have to do for that? Instead of deleting the item and emptying the Recycle Bin, try something else. Highlight the item you want to delete and then hit Shift + Delete on your keyboard. This will automatically delete the item from your working area and from the Recycle Bin. It's a one step process!

Bob

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Something to Think About by Jan Tincher

Self-limiting beliefs hold people back.

What self-limiting belief is holding YOU back?

A self-limiting belief is like any other belief, and, just like any other belief, it can be changed. Change your self-limiting belief to a strong belief in yourself.

When you really believe in yourself, nothing can hold you back.

An article that can help is "Do You Have Beliefs That Don't Serve You?".  You can find it here:
      Http://www.tameyourbrain.com/beliefsthatdontserve.htm

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Stupid Quotes

"We don't pay taxes. Only the little people pay taxes."

- Leona Helmsley, the US businesswoman dubbed "the Queen of
  Mean." She was sentenced in 1992 to four years in prison
  and fined $7.1m for tax evasion.

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How To Build An Information Products Business.

Want to be a publisher?  Free lessons, 10 steps make it easy
to create audio info products. An eBook that sells for $19 will
sell for $49 as a CD. Interview an expert. Make more profit.
www.AbbeyWorldMedia.com/publish-information-products.html

- 12/30

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Food for Thought

Why This is a Great Time to Promote a Small Business

Recently we learned the consumer confidence index had fallen to one of its lower points. Mostly this indexmeasures how secure people feel about their jobs. If you think there is a chance you will earn less money or get laid off, you probably won't buy as many things.

That is terrible news for businesses that sell items like computers, cars, and refrigerators. But the drop in consumer confidence isn't bad for everyone. Some businesses have seen a big increase in sales recently.

Here's why. When people think their job might disappear, they start to look for new ways to earn a living. This can include starting a small business of their own or ramping up the small business they already run on the side.

Business opportunities, how-to books and courses, and services for home-based business are all selling especially well.
Market these things during hard economic times by stressing the opportunity they give customers. Stress the dream they enable.Show how buying from you can help a customer keep hope alive.

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

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Trivia

The number of births that occur in India each year is higher
then the entire population of Australia.

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Quote of the Day

Dreams have only one owner at a time. That's why dreamers are lonely.

- Erma Bombeck

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Sylvester Stallones Nutritional Line S-Force Now Available

 Health has always been so important to Sylvester Stallone,  It's all about supplements, and the S-Force line is the cutting edge of science and nature.He decided to join Seriesse Int. to promote health and beauty from the inside/out.

Join Sylvester Stallone in his venture.  We are in business with him and you can be too. Contact your Consultants and Directors at:  lynnandpeter@myseriesse.com   or visit our website at: http://www.myseriesse.com/globalwide
- 10/28

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Grins

Software Engineering
-=-=--=-=-=-=-=-=-=-=-=

At a recent computer software engineering course, the participants were given an awkward question to answer:

"If you had just boarded an airliner and discovered that your team of programmers had been responsible for the flight control software, how many of you would disembark immediately?"

Among the ensuing forest of raised hands only one man sat motionless. When asked what he would do, he replied that he would be quite content to stay aboard. With his team's software, he said, the plane was unlikely to even taxi as far as the runway, let alone take off.

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Anyone who's ever ridden in a cab in Washington DC knows they're some of the world's most brazen drivers. Oddly enough though, their current accident rate isn't all that bad. I asked one of the drivers one day the reason for that.

"Easy," he said. "all the really bad drivers are dead now."

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A woman went to a computer dating service and said she didn't care about looks, income or background. All she wanted was a man of upright character.

Then a man came in and told them the only thing he was seeking in a woman was intelligence.

The service matched them together at once because they had one thing in common - they were both compulsive liars.

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What do you call a man rolling around in the leaves? Russel.

What do you call a man with no arms or legs in the pool? Bob.

What do you call a man with a rabbit up his nose? Warren.

What do you call a brunette between two blondes? A translator.

Two blondes are talking, from either side of a river. One says "How do I get to the other side?" The second says "You're aleady on the other side!"

How do you stop a bonde from drowing? Take the glass of water out of her hand.

How do you stop a lawyer drowning? Take your foot off his head.

What do you call twenty lawyers chained together on the bottom of the ocean? A good start.

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The reason a dog has so many friends is that
he wags his tail instead of his tongue.

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Publications of Interest
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The Dollar Stretcher
by Gary Foreman

My Shrinking 401k

Hi Gary,
This is my second year contributing to a 401k plan. For the last six months my statements show that I have lost a lot of money. I invest 50% into a growth fund. I am young and I want to take some risk, but now I'm concerned. I don't know if it is smart to keep investing in those excessive growth funds while the stock market is not doing so well. Some people advise that I should still contribute every paycheck. They say that I get to invest at a time where stock prices are low. Please help!
Denny

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Good question! And one that a lot of people are asking now. After a decade of rising stock prices many people have discovered that stocks can also decrease in value. So what's the best strategy now? Is it wise to keep putting money into a 401k plan?

Let's begin by considering 401k plans. No matter what happens to the market in the short term, a 401k plan is a great way to save for retirement. The reasons are simple: tax advantages and dollar cost averaging.

The money that you put into a 401k plan is not included in your taxable wages. So you pay less taxes on your income this year. Plus, no taxes are due on any interest or growth within the 401k until you take the money out of the account. That means that the money will grow much faster than it would in a taxable environment. Assuming that he's 30 now, that could mean a retirement account that's between two and four times larger than one that was taxed each year. So continuing to contribute to the 401k plan is a good idea.

But what about the stock market? Denny's losing money now. Is there any guarantee that will change? Well, there's no absolute guarantee. But 200 years of history show that if he stays in the stock market for a 10 year period he'll earn about 10% per year. Some years will be better and some worse. But the average has been remarkably stable.

Which leads us to the second reason why a 401k plan is great for retirement. Denny's friends have already pointed it out. A 401k forces Denny to take advantage of "dollar cost averaging". That's where you invest the same dollar amount regularly. In Denny's case he's investing about the same amount every pay period. When stock prices drop his 401k contribution purchases more shares.

Whenever the market does turn around he'll own a larger number of shares. That means a bigger increase in his account. We don't have space to describe the math, but if you regularly invest the same dollar amount in a specific stock or fund, you actually do better if the price doesn't continually increase. It's better if it dips occasionally.

Should Denny jump out of the market now and get back in when it's ready to go up? No! It's almost impossible to predict the stock market. He'll make more money by just using a 'buy and hold' strategy. If he tries to time the market it's pretty sure that he'll make mistakes that will cost him dearly.

Next let's look at where the money is invested. Denny mentioned that he was in a 'growth fund'. He needs to recognize that growth funds are more volatile than other funds. They depend on the companies continuing to grow at an above average rate. And if that doesn't happen stock prices can drop quickly. So he might be better selecting a more balanced fund.

Some experts would advise Denny not to try to pick a fund that will do better than the market. John Boggle, founder of the Vanguard mutual funds, suggests that most investors would benefit if they just selected an index fund. Those are the funds that track a specific market or index. Managers don't try to pick winning stocks. They just mirror a market or index. The advantage is that these funds have lower expense ratios which helps boost return.

Denny may not have the option of selecting an index fund. In that case he'll need to compare the fund goals, performance and management of the available choices. One thing that Denny needs to recognize is that time is on his side. He doesn't need a big return every year to build a nice retirement nest egg. Suppose he gets the 10% historical return on stocks. If he's 30 now, every dollar that he puts into the 401k will be worth $32 when he's 65. No wizardry is required to save a sizeable amount.

Right now Denny should check to make sure that he's selected the right mutual funds. Once he's made that selection he shouldn't worry about the market. He needs to remember that a 401k plan is a long range investment. Just as you wouldn't judge a marathon runner over the first 100 yards, it's not wise to judge your 401k plan on one or two quarters. In this case, the race goes to the steady saver who continues to invest in both good and bad markets.

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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 generously with confidence by knowing what really matters to you

- 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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There is no psychiatrist in the world
like a puppy licking your face.

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Bob
Copyright - 2008

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