Your Tip of the Day

by Bob Osgoodby

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In this Issue

** Tip Of The Day – Crank Calls

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

** Food For Thought by Dr. Kevin Nunley  - Brainstorm for Brilliant Ideas

** Quote of the Day

** A Little Levity – Public Works Department

** The Dollar Stretcher by Gary Foreman – Credit Card Traps

** Publications of Interest

** Stress Matters

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Welcome

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still
Tip of the Day

Crank Calls

The phone rings at 2:00 A.M., waking you out of sound sleep, and it is some drunk looking for Matilda.  Or it might be some kids at a slumber party having fun at your expense.

Most people “Grin and Bear“ it and if it doesn’t persist, ignore it.  But it might also be a “nut case” calling and using obscene and abusive language. Or it could be someone who threatens you.

How about the company that puts your home phone number into their fax broadcasting system, and your phone rings every ten minutes or so. All you hear is the beep of their fax machine trying to make contact with your fax, which of course you don’t have on that number.

No matter what the source of these calls, they can be annoying and even dangerous.  If you do get “crank calls”, hang up and don’t say anything.  Then, pick up the phone and dial *57 and follow the recorded instructions. This captures their phone number which can be obtained by the telephone company.

Then, dial 1-800-518-5507 and tell the person you talk to about the type of calls you are receiving and tell them you did dial *57.  They will then find out who is making the calls and take appropriate action.

Bob

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Something to Think About by Jan Tincher

Are you unsuccessful?
 

Do you regard your lack of success as a failure? For as long  as you do, that's how long you'll be immobilized, unable to succeed. When you change your thoughts toward it, think of it as it being a result YOU produced, then you can start to change your results.

An article that may help is:  The Secret To Thinking Positively
http://www.tameyourbrain.com/secretthinkpositive.htm

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Stupid Quotes

"Education is learning what you didn't even know you didn't know."

- Daniel J. Boorstin

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Food for Thought

Brainstorm for Brilliant Ideas

Could your business use a hot new idea? Got a problem that keeps dogging you and you just can't find a solution?

Here are three ways to shake the cobwebs loose and get the brain juices flowing.

1. Focus on what you REALLY want. What is the deep-down reason you are doing what you are doing? We often get bogged down in the means to the end, letting everyday problems dictate our every thought.

Set aside all those fires that need to be put out and spend a few minutes dreaming deeply about what you REALLY want. Fresh new ideas and strategies are bound to emerge.

2. Switch up your routine. Take a nap in the evening and get up at 2am to work. Rise from your computer and jog to the mailbox. Skip to the refrigerator and grab a pickle.

Sometimes even taking a long deep breath can get your creative side working again.

3. Keep a yellow note pad handy. I'm always surprised at how everyone's face lights up when I admit I keep my important notes on a simple yellow notepad. "I do that, too," they say. Keep your pad in the places where your mind works best: in the car during the commute, next to the shower as you're toweling off.

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

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Trivia

Studies have shown that classical music helps cows produce more milk.

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

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Quote of the Day

"That's the risk you take if you change - that people you've been involved with won't like the new you.
But other people who do will come along."

- Lisa Alther

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Grins

Public Works Department
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Two blonde girls were working for the city public works department.

One would dig a hole and the other would follow behind her and fill the hole in. They worked up one side of the street, then down the other, then moved on to the next street, working furiously all day without rest, one girl digging a hole, the other girl filling it in again.

An onlooker was amazed at their hard work, but couldn't understand what they were doing. So he asked the hole digger, 'I'm impressed by the effort you two are putting in to your work, but I don't get it -- why do you dig a hole, only to have your partner follow behind and fill it up again?'

The hole digger wiped her brow and sighed, 'Well, I suppose it probably looks odd because we're normally a three-person team. But today the girl who plants the trees called in sick.

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Jon and Dan are in a mental institution which has an annual contest that picks two of the best patients and gives them two questions. If they answer correctly, they are released.

Jon is called into the doctor's office first. The doctor says, "Jon, what would happen if I poked out one of your eyes?"

Jon says, "I'd be half blind." "That's correct. What would happen if I poked out both your eyes?"

"I'd be completely blind." The doctor tells him that he is free to go. On Jon's way out he tells Dan the questions and answers.

The doctor asks Dan, "What would happen if I cut off one of your ears?"

Dan says, "I'd be half blind."

The doctor, slightly puzzled, continues, "What would happen if I cut off both your ears?"

I'd be completely blind."

"Dan, how can you explain that you'd be blind?" asks the doctor.

"Well," replies Dan, "my hat would fall over my eyes."

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A young couple moved into a new neighborhood.

The next morning while they are eating breakfast, the young woman sees her neighbor hanging the wash outside.

"That laundry is not very clean," she said. "She doesn't know how to wash correctly. Perhaps she needs better laundry soap." Her husband looked on, but remained silent.

Every time her neighbor would hang her wash to dry, the young woman would make the same comments.

About one month later, the woman was surprised to see a nice clean wash on the line and said to her husband: "Look, she has learned how to wash correctly. I wonder who taught her this?"

The husband said, "I got up early this morning and cleaned our windows."

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A Stanford Medical research group advertised for participants in a study of obsessive-compulsive disorder. They were looking for therapy clients who had been diagnosed with this disorder.

The response was gratifying; they got 300 responses the day after the ad came out.

All from the same person.

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One useless man is a shame, two is a law firm and
three or more is a congress.

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Publications of Interest
Ad Swap

e4u Newsletter - map up this information highway for beginners. Tips, tools, products. Resource Center is free to subscribers.
Step by Step information for your exciting future in Internet Marketing.
Subscribe: bob@sharonl.emailaces.com
Be sure to click on the confirmation e-mail

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The Dollar Stretcher
by Gary Foreman

Credit Card Traps

We were offered a one-year 2.99% interest rate on an existing Visa account that we didn't use very much. We wanted to use the card to make a very large purchase with the intent of paying it off within one year.

Luckily we checked the "fine print." The original purchase will be at 2.99%, but any subsequent purchases on that card will be charged interest at 15.99%. There's a huge red flag! The original "loan" must be paid off before any payments will be credited to the new purchases that are made. So what we pay every month goes toward the 2.99% charge and, for example, the airline tickets I later purchased with this card will continue to accrue 15.99% interest charges until I pay off the original purchase sometime next year.

I said we're lucky because we understand the rules and have put the card away until it's paid off. I shudder to think how many people don't catch this little quirk.
SB, Virginia

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SB is right. Many people are being tripped up by the fine print in credit card agreements. She's fortunate to have caught on before charging up a bunch of stuff at a pretty stiff interest rate.

Credit cards have come a long way. A generation ago, there was a "one size fits all" approach. Today, you can choose cards based on their fee structure, interest rates, cash advance provisions or even the rebate offered. But, with all those choices, comes the responsibility to know what the credit agreement says.

The agreement will specify what the card issuer can do with the account. The language isn't always easy to understand. If you have trouble figuring out what something means, call the card issuer and ask for an explanation. Don't use the card until your question is answered.

All that fine print is actually a blessing in disguise. It will tell you how the card issuer intends to take your money. All you have to do is to read and understand the credit agreement. There's no reason to get caught. Most of the traps can be avoided if you know where they are.

Be careful of zero or low rate offers. Low initial rates typically are only for a limited amount and a short time period. The agreement will explain which purchases or balance transfers are eligible for the low rate. It will also say what you'll be charged for other non-eligible purchases. That's the trap SB uncovered.

You might also find that cash advances and balance transfers carry a different, higher interest rate than other purchases.

You would expect that variable rate accounts would have changing interest rates. But, even so-called 'fixed' rates can be changed. They're only fixed for 15 days.

When you get the card in the mail, don't assume that you're approved "up to $5,000" as advertised and that your credit limit is $5,000. Depending on your credit score, you could be approved for something considerably lower.

Understand what happens when your account goes "over limit." Don't assume that they'll automatically refuse to accept a purchase that puts you over limit. Most will actually let you go over limit, but then penalize you with fees and higher interest rates!

Another trick is to send you a card that's different than the one for which you applied. You could be turned down for the card with the low-rate balance transfer but issued one without that special feature. If you use the card, you will be accepting the terms on the agreement that came with it, even if they're different from the one for which you first applied.

You'll find other little tricks in the fine print. For instance, it's common for the "grace period" to expire early in the morning. You can be pretty sure that the mail delivery will be later in the day. So your payment needs to be there a day early.

Look for something called "universal default." It means that if you're late on another payment, the interest rate on this account will be increased.

Finally, the lender will have a provision in the agreement that allows them to change the agreement. All they have to do is to notify you of the change in writing. That means that you need to read everything that comes from the issuer. Some have been known to send out amendments that look like junk mail. If it comes from your card issuer, you need to open and read it.

SB has learned that you can use credit card rules to your advantage, but if you don't know the rules, you're almost certain to lose the game.

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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

Living your purpose in this moment turns your dreams into reality.

- 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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Copyright - 2009

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