Your Tip of the Day

by Bob Osgoodby

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- 12/05

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In this Issue

** Tip Of The Day – More Browsers

** Something to Think About by Jan Tincher - Do you love? Do you hate?

** Food For Thought by Dr. Kevin Nunley  - But We Tried Everything!

** Quote of the Day

** A Little Levity – Sick Call

** 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 More Browsers

There are so many browsers available these days, it's hard to know which one will perform the best for you. There's Internet Explorer, Firefox, Netscape, Opera, etc. (I know I missed some, but those are the main ones used). So, instead of choosing just one browser to use, why not use two or three or even four? As long as your computer can handle that much data, there's not really any reason not to. Most browsers connect well with each other and will cause you no additional problems.

Now, for the better question: Why should you use more than one browser. Why does it matter? Well, the biggest thing is having a back up resource. If one browser fails and breaks down, you will always have another one to back you up. Another big pro on the multiple browser's side is that when you're trying to access a Web page, etc. and it's giving you trouble, you can always test it on another browser. That way, you will be able to see if it's the actual browser, the Web site or if it's something with your connection or firewall.

In other words, using more than one Web browser keeps you safe from vulnerabilities and with more than one browser on your side, you won't ever have to worry about being shut down. You can always continue on with your work and get the job done. Think about it!

Bob

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Something to Think About by Jan Tincher

Do you love? Do you hate?
 
 

If you hate, release the negative thought that you hate someone or something. Make the decision to love yourself. What goes around comes around.

Do you make decisions? Do other people make your decisions?

Release the negative thought that you can't make the decision. Make the decision to try.

For every negative thought, there is a positive. Think the negative thought, then feel how that feels. Think the positive thought, then feel how that feels. Which one feels the best?

HINT: Positive thoughts ALWAYS feel best. Why not make the decision to feel the best whenever you can?

Here is an article that may help: *Decisions Determine Your
Destiny*. You will find it here:  http://www.tameyourbrain.com/decisionsdeterminedestiny.htm

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Stupid Quotes

"I'm going to graduate on time, no matter how long it takes."

- Senior basketball player at the University of Pittsburgh

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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
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- 1/14

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Food for Thought

But We Tried Everything!

Occasionally I meet a business that has done a TON of marketing but still isn’t selling much. It isn’t that they haven’t tried. The list of marketing they attempted can be staggering.

If thousands and millions of prospects are learning about the product or service, why aren’t any of them buying?

Here are some common reasons even well-promoted products don’t sell.

 There isn’t any real market for the product. It may seem like a great idea, but nobody wants it--at least, not yet.

 Customers don’t think your business is qualified to sell the product. One man knew his medium-sized business could supply the needs of major customers, but they didn’t buy until his company grew into a big corporation. “We could have served them just as well before, but they wouldn’t buy because they thought we weren’t big enough.”

 Your advertising isn’t targeted to the right market. This is probably the most common problem. A company markets with a media that reaches a mass audience (like TV or daily newspapers) but reaches too few of their customers who belong to a specific group.

Tightly targeted media don’t always reach the audience they claim to reach. Try running a test first to see if you get results before spending big bucks.
 

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

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Trivia

It's believed that pirates thought that piercing their ears
and wearing earrings improved their eyesight.

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Quote of the Day

"Ninety-nine percent of the failures come from people who have the habit of making excuses."

 -  George Washington Carver, Chemist and Educator

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 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
- 11/13

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Grins

Sick Call
-=-=--=-=

Mr. Frobisher constantly called Dr. Wilson at all hours of the day and night and would then keep him on the phone with a litany of imagined ailments.

Finally the doctor could take it no longer. "Listen, Mr. Frobisher, if you wake me up again in the middle of the night with another one of your tales about some made-up ailment, I am going to insist you see another physician. Have I made myself clear?"

A week later, Mr. Frobisher slipped and fell down a flight of stairs, breaking his hip, two ribs, an elbow, and suffering a concussion. He was rushed to the hospital and put in intensive care.

An hour later, Dr. Wilson walked in, saw his condition, and exclaimed "I think you're finally getting the hang of it!"

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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 did the blonde say when she found out she was pregnant?

"Are you sure it's mine?"

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Is there ever a day that mattresses
are not on sale?

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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 Shortly thereafter the head of Fannie took early retirement as reported in USA Today  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.

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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

Know yourself, and with confidence share your feelings and thoughts as long as you don't hurt yourself and others in the process.

- 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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In winter why do we try to keep the house as warm as it was in summer
when we complained about the heat?

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Copyright - 2008

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