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 – Update Those Web Pages

** Something to Think About by Jan Tincher - What do you think is the problem with kids nowadays?

** Food For Thought by Dr. Kevin Nunley  - Telephone Selling

** Quote of the Day

** A Little Levity – Ship Movies

** The Dollar Stretcher by Gary Foreman – Repaying Charged Off Debts

** Publications of Interest

** Stress Matters

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Welcome

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still
Tip of the Day Update Those Pages

Do you visit the same Web sites often? Or, maybe there's a site you visited a long time ago and you'd like to go back to it. Either way, you're going to want to see the most updated version of it, right? Of course, who wouldn't?! Well, as long as you have that particular site stored in your system, you can use this next tip!

To ensure you always get the most recently updated material on a Web site, you just have to change a quick setting in your Web browser of choice. If you use Internet Explorer, open it up and go to Tools, Internet Options. Once you're there, look for the Temporary Internet Files section and click on the Settings button. A new box will appear and at the top, there is a section that says "Check for newer versions of stored pages:." This is where you can choose which way you would like to go. In this case, the most practical would be "Every visit to the page." With this option checked, IE will check for the newest version of the site every time you come back to visit.

You can also do it every time you start Internet Explorer, automatically or you can choose to not do it at all. Simply choose which one you prefer and click OK twice.

Bob

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Something to Think About by Jan Tincher

What do you think is the problem with kids nowadays?

The same thing that's wrong with many adults.

The problem is lack of respect.

The next time you talk to a kid, show your respect. Look him or her in the eye and listen. When he or she is done talking, repeat what they said and ask if you got it right.

The next time you talk to an adult, show your respect. Look him or her in the eye and listen. When he or she is done
talking, repeat what they said and ask if you got it right. What goes around, comes around. Who will you be
respecting today?

Here is an article you might like: "What Are You Doing In
Front Of Your Children?" You will find it here:
Http://www.tameyourbrain.com/whatdoingchildren.htm

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Stupid Quotes

"Sometimes they write what I say and not what I mean."

- Pedro Guerrero, Baseball player, on reporters

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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.
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- 1/14

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Food for Thought

Telephone Selling
by Kevin Nunley

The Internet revolution has only increased the need for telephone marketing. Many of the largest e-commerce sites ask for your phone number, then have a room of expert telephone sales reps call you for the big pitch.

Why? Telephone selling works. Here are some simple tips that will boost your effectiveness on the phone.

**Try to go directly to the person who can authorize a purchase for your product or service.

**When you get the decision maker on the line, jump into a concise statement of the main benefit you can bring her. We have a new process that can save you 20% on production costs."

**Prospects appreciate courtesy. Begin by asking if it is a good time to talk. If not, ask the prospect when you can call back. Have several dates and times ready for suggestion.

**Jot down a few notes before making your call, then use your talking points to keep your pitch on track. Take a few notes immediately after the call so you can remember exactly what was said when it comes time to call again.

**Don't wait too long to ask for the sale.

**Offer to send more information via mail, email, or direct them to your website.

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

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Trivia

Tohru Iwatani, the inventor of the video game Pac-Man, came up
with the idea when he saw a pizza with a slice missing at a
dinner party.

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Quote of the Day

Get excited and enthusiastic about you own dream. This
excitement is like a forest fire -- you can smell it,
taste it, and see it from a mile away."

 -- Denis Waitley, author and speaker

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- 11/13

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Grins

Ship Movies
-=-=--=-=-=-=

On many U.S. Navy ships the movie screen is suspended amid-ship so that it can be viewed from both sides. This procedure makes it available to larger crowds at popular movies, but usually the junior officers get a reverse image from "the wrong side of the screen."

One evening at dinnertime an enterprising young ensign passed the following word over the officer's IMC circuit: "The movie to be shown in the wardroom tonight for the senior officers is on the right side of the screen - The Left-Handed Gun, starring Paul Newman."

"For the junior officers on the wrong side of the screen - The Right-Handed Gun, starring Namwen Luap."

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Once upon a time in a village, a man appeared and announced to the villagers that he would buy monkeys for $10 each.

The villagers, seeing that there were many monkeys around, went out to the forest, and started catching them.  The man bought thousands at $10 and as supply started to diminish, the villagers stopped their effort.  He further announced that he would now buy at $20.  This renewed the efforts of the villagers and they started catching monkeys again.

Soon the supply diminished even further and people started going back to their farms.  The offer increased to $25 each and the supply of monkeys became so little that it was an effort to even see a monkey, let alone catch it!

The man now announced that he would buy monkeys at $50!  However, since he had to go to the city on some business, his assistant would now buy monkeys on his behalf.

In the absence of the man, the assistant told the villagers:  'Look at all these monkeys in the big cage that the man has collected.  I will sell them to you at $35, and when the man returns from the city, you can sell them to him for $50 each.'

The villagers rounded up all their savings, borrowed all the money they could, and bought all the monkeys.  Then they never saw the man nor his assistant again, only monkeys everywhere!

Now you have a better understanding of how Wall Street, brokers, and financial advisors work.

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Safety is a major concern at the manufacturing company where I work. So I'm constantly preaching caution to the workers I supervise.

"Does anyone know," I asked a few guys, "what the speed limit is in our parking lot?"

The long silence that followed was interrupted when one of them piped up. "That depends. Do you mean coming to work or leaving?"

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During a magazine and newspaper subscription drive, our son Philip, a paperboy, learned about good salesmanship.

His supervisor had instructed the kids to maintain a positive attitude, even when turned down. One potential customer told Philip, "I've got papers and magazines strewn all over the place -- I don't need any more."

Philip's reply? "Well, how about a subscription to Good Housekeeping?"

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According to a recent survey, men say the first thing they notice about a women are their eyes.
And women say the first thing they notice about men is they're a bunch of liars.

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Publications of Interest
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The Dollar Stretcher
by Gary Foreman

Repaying Charged Off Debts

I have a charge-off on my credit report because of a bankruptcy five years ago. If the company that wrote it off sells the debt to a collection agency, do I need to pay? The damage is done now. It's been on the report since the bankruptcy. I'm rebuilding and financially things have turned around again. Do I need to pay the collection agency? Thank you.
Stan

Like many people, Stan has had some problems with debt. And he's not sure what his responsibilities and rights are. Let's see if we can't help him make sense of the situation. To begin, we'll want to explore some underlying concepts. Once we understand them, we'll be better able to answer Stan's question.

The first concept to explore is the debt itself. As we all know, a debt is money that you've agreed to pay someone in the future. Either to a person or a company. Chances are that they gave us money or products now in return for our promise to pay later. We probably agreed to pay interest on the money we owe. Most often, we also signed a credit card or installment loan agreement, which legally defined our responsibilities.

Sometimes a collection agency will buy a group of debts from the company that issued them. If our debt was among them, we no longer owe money to Company A, but now we owe the collection agency. But that does not affect the amount owed, the interest rate or any penalties that apply.

Next, let's learn about a "charge-off" or "write-off." The two terms refer to the same accounting procedure. At some point the lender decides that they're unable to collect a debt. They'll remove it from their accounts receivable. That effects their profitability and taxes, but it does not effect whether the debtor owes money to the company. A charged-off debt is still a valid debt. So even though our debt was charged-off, we're still obligated to repay it.

Stan mentions that he's been through a bankruptcy. He doesn't say, but we'll assume that it was Chapter 7 proceeding. This is the simplest and most commonly sought bankruptcy. People apply for bankruptcy to get a fresh financial start. They're asking the court to rule that they are unable repay what they owe and to release them from some or all of their financial obligations.

Officially a bankruptcy "discharges" debts. What that means is that a debt included in the bankruptcy is no longer a debt. It is as if the debtor doesn't owe the money any more. He is no longer required by law to repay the debt. Further, the bankruptcy order requires that the lender take no further action to try to collect it. That would include hiring lawyers or contacting the debtor via mail or phone. Unless there is legal action involving the discharge, it happens automatically with the bankruptcy.

Not all debts are automatically included in a bankruptcy. The debtor may choose to exclude some debts from the bankruptcy petition. Perhaps debts owed to family members. Other debts are not eligible for protection, such as taxes, alimony and child support. It should be clear at the time of the bankruptcy filing what debts are included and which are not. Debts not included in the bankruptcy are still owed, just like they were before.

Finally, we need to understand the basics of credit scoring. 35% of the score is based on payment history. So when Stan was late with his payments, that reduced his score. When the account was turned over to a collection agency, that also lowered the score. And, finally, the bankruptcy and discharge would also effect his score.

Now that we understand the process, let's look at Stan's question. He's correct that the bankruptcy closed certain accounts. If the account he's asking about was included in the bankruptcy, it is discharged. Stan should inform anyone attempting to collect that it has been discharged. And, that further attempts to collect it would require him to contact the court informing them of the attempt.

If Stan chooses, he can voluntarily repay a discharged debt, but he's under no legal obligation. Credit reporting agencies won't reveal exactly how they compute credit scores. But, it's unlikely that repaying a discharged debt years after the fact would have much impact on his score.

The bankruptcy will appear on Stan's credit report for 10 years. At this point, his best method for rebuilding his score is to show that he's used credit responsibly since the bankruptcy. It appears that he's spent the last five years doing just that. As long as the debt was included in the bankruptcy, he should be able to ignore any attempts at collection without fear of hurting his credit score.

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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

Your energy creates the life you have.  You attract the life you want by the energy you create from your emotions and your thoughts

- 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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The secret to success is sincerity.
Once you can fake that, you've got it made.

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Copyright - 2008

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