Your Tip of the Day

by Bob Osgoodby

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- 1/21

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In this Issue

** Tip Of The Day – View Open Programs

** Something to Think About by Jan Tincher - Are you angry?

** Food For Thought by Dr. Kevin Nunley  - Personalized Service

** Quote of the Day

** A Little Levity – The Gynecologist

** The Dollar Stretcher by Gary Foreman – Why the Waste

** Publications of Interest

** Stress Matters

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Welcome

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still
Tip of the Day

View Open Programs

Say you have about four or five different programs running on your PC at the same time. You have your e-mail up and running, a Web browser window open, a Word document ready for review and your music player playing your favorite song. With all of that going on, have you ever wondered if there was a quick way to view all of those programs and then pull up the one you want right then and there?

Well, you're in luck. All you have to do is press Alt + Tab and it will bring up all of the programs you have open. Just continue to press the Tab key to scroll your way across the programs, highlight the one you want and then release the ALT key to bring up the one you chose. Want to change programs again? Just repeat the process. It's so simple and it also helps you to keep track of everything you have running.

Bob

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Something to Think About by Jan Tincher

Are you angry?

Anger is an emotion that hurts YOU. When you hurt, you tend to hurt others.

If you're feeling angry, turn that emotional intensity into directed excitement and/or passion -- look at what all you can accomplish. Learn how to control your anger.

A great article that will help you is:  Anger, Can You Handle It?
      http://www.tameyourbrain.com/angerhandleit.htm

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Stupid Quotes

"I'm the mayor, I can do whatever I want until the courts tell me I can't.'"

- Sarah Palin, as quoted by former City Council
Member Nick Carney, after he raised objections about the $50,000
she spent renovating the mayor's office without approval of the city council

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How To Build An Information Products Business.

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- 2/18

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Food for Thought

Personalized Service

If you run a small business, stress the time-saving way you get to know your customers, give them quick personalized service, and deliver a product you readily take responsibility for.
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"See Kevin's 10,000 free marketing tips at http://drnunley.com"

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Trivia

The islands of Bermuda have no rivers or lakes. The inhabitants must use rain for water.

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- 5/8 -- ©2008 Bedsore Solutions, LLC / The Healing Formula. All rights reserved.

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Quote of the Day

"The true delight is in the finding out rather than in the knowing."

-- Isaac Asimov, scientist and author

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Grins

At the Library
-=-=--=-=-=-=-=

A gynecologist had become fed up with malpractice insurance and HMO paperwork and was burned out. Hoping to try another career where skillful hands would be beneficial, he decided to become a mechanic He went to the local technical college, signed up for evening classes,  attended diligently, and learned all he could.

When the time for the practical exam approached, the gynecologist prepared carefully for weeks and completed the exam with tremendous skill. When the results came back, he was surprised to find that he had obtained a score of 150%.  Fearing an error, he called the instructor, saying, "I don't want to appear ungrateful for such an outstanding result, but I wonder if there is an error in the grade."

The instructor said, "During the exam, you took the engine apart perfectly, which was worth 50% of the total mark. "You put the engine
back together again perfectly, which is also worth 50% of the mark."

After a pause, the instructor added, "I gave you an extra 50% because you did it all through the muffler, which I've never seen done in my entire career."

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A friend of mine bought a new fridge for his house. To get rid of his old fridge, he put it in his front yard and hung a sign on it saying: "Free to good home. You want it, you take it." For three days the fridge sat there without even one person looking twice at it.

My friend decided that people were too untrusting of this deal. It looked too good to be true , so he changed the sign to read: "Fridge for sale $50."

The next day someone stole it.

"They walk among us."

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I walked into a Blimbie's with a buy-one-get-one-free coupon for a sandwich. I handed it to the girl and she looked over at a little chalkboard that said "buy one-get one free". "They're already buy-one-get-one-free", she said, "so I guess they're both free".

She handed me my free sandwiches and I walked out the door.

"They walk among us."

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 Three dead bodies turn up at  the mortuary, all with very big smiles on their  faces. The coroner calls the  police to tell them what has happened.
The Coroner tells the  Inspector, "First body is a 72 year old Frenchman. He died of heart failure  while with his mistress. Hence the enormous smile."

"The second  body is an Irishman, 25 years of age. He won a thousand dollars  on the lottery  and spent it all on whisky. Died of alcohol poisoning, hence the  smile.
 
" The Inspector asked, "What of the third  body?"
 
"Ah," says the coroner, "This is the most unusual one. Nancy Pelosi,  Speaker of the House, 66, struck by  lightning."

"Why is she smiling then?" inquires the  Inspector.

"She thought she was having her picture  taken."

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There is a very fine line between "hobby" and "mental illness."

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Publications of Interest
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The Dollar Stretcher
by Gary Foreman

 Why the Waste

Recently I did an interview with Dana Dratch (Google her work. She's an excellent writer on personal finance and a wonderful human being, too!) We were talking about ways to reduce your grocery budget. One of the strategies that I mentioned was eliminating food waste.

Wasting food is particularly hard on a food budget. Think about it. You've already spent the money. And you get zero benefit from it when it hits the trash. Can't get much worse than that if you're a Dollar Stretcher.

How much do we waste? Good question. And, not an easy one to answer. I'm aware of two studies on the subject. In 2004, The University of Arizona in Tucson found that an incredible 40 to 50% of all food produced in this country goes to waste. But, the study included food that was produced and not sold to the consumer. It included farmers speculating on crops and other sources of waste.

The second study is from the U.S. Dept. of Agriculture in 1997. So it's a little old, but still interesting. Their data suggests that 27% of all food is wasted.

And the waste isn't limited to the U.S. A British study quoted in the NY Times indicated England wastes 1/3 of its food. Sweden joins in with 1/4 of its food going to waste. It appears to be a problem in all prosperous and complex societies.

Fortunately for us (the Dollar Stretching consumers), much of the problem can be eliminated. It's not terribly hard to do and doesn't cost a bunch of money. Just adopt a few simple tools to your lifestyle and you could reduce your grocery budget by 25%.

Begin at the grocery store. Recognize that food has a shelf life. Sure there are some canned goods that will probably survive a nuclear attack. But, most of the items we buy will go bad if not eaten. Some in weeks or months. Others in a matter of days. Do you have a plan to eat whatever you buy before it goes bad? Many of us don't like to do a weekly meal plan. OK. But be smart enough to not buy more tomatoes than you can use before they get overripe.

Once you get your groceries home, do a quick inventory of the things that will go bad quickly (like raw fruits and veggies). Make sure that you store them properly. Check the settings on your vegetable keeper in the fridge. Consider using the "green bags" for storing fruits and veggies. Read up on how best to store produce. For instance, we have an article on The Dollar Stretcher site on just that subject.

Manage your pantry or wherever you store your groceries at home. Know what you have. It's easy to push items that you don't often use into the back of the shelf and forget about them. But that's not frugal! Keep a list of the unusual items in your pantry. Look for recipes that would consume them. There are many sites on the web that will let you search their recipe database for a specific ingredient(s). One of my favorites is Recipezaar.com. You're bound to find a recipe that will be a family adventure. And, if you can't find a recipe for your family, instead of letting the item go bad on your shelf, give it to a friend or neighbor. Let them use it. Hopefully they'll return the favor some day.

Rotate your pantry. If you want to be able to grab the can at the front, you'll need to put new purchases in the back. Some Dollar Stretchers go so far as to mark on the package when they bought an item so they can be sure to take the oldest one first.

Don't forget to rotate your freezer, too. Most fresh meats will last for months in your freezer. Other items have their own limit for time in the freezer. Know what's in cold storage and look for recipes that will use the older items. A written inventory on the freezer door is a good idea.

Use your leftovers creatively. I'm not sure when "leftover" became a dirty word. For the most part, they're just as nutritious, just as filling and tasty as the first time out. If your family hates leftovers, you're going to need to become an expert in portion control or you'll waste a lot of food.

Fortunately the freezer and the microwave can transform leftovers into a real asset. Not only will you reduce your grocery bill, but you'll spend less time in the kitchen or the drive-thru line at the fast food joint.

At the end of the meal, store your leftovers so that they'll be convenient to use. Many families are using leftovers to create their own frozen entrees. They'll take a paper plate and add a portion of each of the items served that night. No need to buy expensive frozen entries from the store. Now you have great meals waiting for you in your own freezer. Smart families stick an inventory of meals under a fridge magnet on the freezer door. Each item lists what's in the meal and when it was prepared. Makes it easy to "shop" for just the meal you want.

Other families find that leftovers make great lunches. They'll package leftovers to make it easy to put them in school or work lunchboxes. Many lunchrooms have microwaves, so it's easy to reheat that special lunch you've brought from home.

Limit the use of restaurants, and when you do eat out, make use of "doggie bags." Most restaurant portions are too big, so unless you want to see your waistline grow, it's foolish to eat everything on your plate (regardless of what your Momma may have told you). But just because you don't want that food to go to your waist, doesn't mean that it has to go to waste! Plan on taking it home. There's nothing high class about wasting food. And, nothing to be ashamed of if you ask for a "to go" box. Just don't forget that it's in your refrigerator and needs to be eaten soon.

So there you have it. Most families can reduce their food bill by 10% or more without doing anything drastic and without depriving themselves. All that's necessary is creating a few new habits. And, that's something that I know you can do.

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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

Stay focused on the positive parts of your life.

- 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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Everybody wants to save the earth
Nobody wants to help Mom do the dishes.

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Copyright - 2008

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