Your Tip of the Day

by Bob Osgoodby

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- 6/17

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In this Issue

** Tip Of The Day – Beware of Attachments

** Something to Think About by Jan Tincher - Do you feel frustrated, depressed, or restless?

** Food For Thought by Dr. Kevin Nunley  - Expert Information

** Quote of the Day

** A Little Levity – Fisherman's Tale

** The Dollar Stretcher by Gary Foreman – Realistic Credit Repair

** Publications of Interest

** Stress Matters

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Welcome

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still
Tip of the Day

Beware of Attachments

 Most  viruses aree transported or replicated from pc to pc using email attachments. These are easy to spot if you're paying attention, simply because they are usually executable files, but not always.

Some attachments contain Macros (simple programs that run within other programs—all the titles in Microsoft Office use macros). If you're not that familiar with spotting file extensions, don't worry, that's what we’re here to talk about today. If you’re a little hazy on the whole "file extension" thing then let's spend a few moments explaining it.

File extensions are what tell the program how to treat a particular piece of data. For example, most people are somewhat familiar with .doc or a .txt file extensions these are both text documents and when the user opens this file the Operating System looks at this extension and then knows how to open it.

Hackers try to use some sort of ploy to get you to open their email and activate the virus which is always an attachment. Most Anti-virus nowadays stop, or at least warn you of these high risk attachments and even take measures to protect you. However, on the average 10-15 new viruses are created every day and I personally wouldn't count on any program to 100% protect my pc. That's why I scrutinize any email—if I wasn't expecting an attachment, I won't open it until I had a chance to talk to the sender.

Some of the more common file types used to hide viruses include:

.scr - Windows Screen Saver - USE CAUTION if you receive a screen saver via email. They can contain worms or viruses
.pif - DO NOT OPEN! This is most likely a virus. Clicking it will run a program or code that can mess up your computer.
.exe - executable file - a program that contains a virus, trojan horse, or worm
.pps - MS PowerPoint (can contain macro virus)
.zip - Zip (compressed) file
.vbs - Visual Basic script
.bat - Executable MS-DOS batch file
.com - DOS executable command
.asp - active server page - internet script
.doc - Word document (can contain macro virus)
.xls - Excel file (can contain macro virus)

This is in no way a complete list. Just because an attachment may have one of these extensions doesn't mean that it is a virus, but it should send up warning flags. Hackers use clever subject lines, and viruses can appear to come from a friend so keep on your toes and don't fall victim to their deceptive traps. Scan those attachments and verify with the sender before opening.

Bob

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Something to Think About by Jan Tincher

Do you feel frustrated, depressed, or restless?

Do you know why?

One reason might be that you have aptitudes that are not being used or properly expressed.

Learn what you are good at, and work at it. When you are good at something, you are not usually frustrated, depressed, or restless in those areas.

If you still find yourself frustrated, depressed, or restless, find something else to be good at. Keep learning, keep trying, keep living, because after all, frustration, depression, and restlessness are just expressions. Don't express the expressions that don't get you where you want to go. Express yourself in ways that help you enjoy life!

An article that will help is I Don't Like Depression.  It's
So . . . So . . . Depressing!
http://www.tameyourbrain.com/idontlike_depression.htm

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Stupid Quotes

"It isn't pollution that's harming the environment. It's the
impurities in our air and water that are doing it."

- Dan Quayle, U.S. Vice President

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Food for Thought

Expert Information

Millions of people crave expert information on every topic you can imagine. Offer free seminars on a topic you know well and provide the help so many people want. Provide good information and how-to tips. You can invite attendees to pick up a "green sheet" on the way out. It can include more tips, resources, and your best deals. Invite attendees to come by your store or office or contact you via email or phone for more personalized help.

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

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Trivia

To help them last longer, put the cut ends of chrysanthemums in very hot water
for a moment and then straight into very cold.

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

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Quote of the Day

"A man is not idle because he is absorbed in thought. There is a visible labor and there is an invisible labor."

- Victor Hugo, Author

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Grins

Fisherman's Tale
-=-=-=-=-=-=-=-=

Jim had an awful day fishing on the lake, sitting in the blazing sun all day without catching a single one. On his way home, he stopped at the supermarket and ordered four catfish. He told the fish salesman, "Pick four large ones out and throw them at me, will you?"

"Why do you want me to throw them at you?"

"Because I want to tell my wife that I caught them."

"Okay, but I suggest that you take the orange roughy."

"But why?"

"Because your wife came in earlier today and said that if you came by, I should tell you to take orange roughy. She prefers that for supper tonight."

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When told the reason for daylight saving time the old Indian said... 'Only a white man would believe that you could cut a foot off the top
of a blanket and sew it to the bottom of a blanket and have a longer blanket.'

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An Irish priest is driving down to New York and gets stopped for speeding. The state trooper smells alcohol on the priest's breath and
then sees an empty wine bottle on the floor of the car. He says, "Sir, have you been drinking?"

"Just water," says the priest.

The trooper says, "Then why do I smell wine?"

The priest looks at the bottle and says, "Good Lord! He's done it again!"

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Two guys go on a fishing trip. They rent all the equipment: the reels, the rods, the wading suits, the rowboat, the car, and even a cabin in the woods. They spend a fortune.

The first day they go fishing, but they don't catch anything. The same thing happens on the second day, and on the third day. It goes on like this until finally, on the last day of their vacation, one of the men manages to catch a fish.

As they're driving home they're really depressed. One guy turns to the other and says, "Do you realize that this one lousy fish we caught cost us fifteen hundred dollars?"

The other guy says, "Wow! It's a good thing we didn't catch any more!"

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Sign at a nudist camp:
Sorry - Clothed for Winter.

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Publications of Interest
Ad Swap

Internet Marketing Trade Journal: Vitally important to
everyone making money online! Learn to protect yourself as
a business owner & a consumer. We keep folks informed,
whether about email issues, or programs to participate in -
or to avoid.  http://i-Cop.org/t-journal.htm

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The Dollar Stretcher
by Gary Foreman

Realistic Credit Repair

My husband was out of work for 2 years. We were forced to live off credit cards, so we have 5 cards that are close to their limits, along with a mortgage and a car payment. Despite our circumstances, only a couple of credit card payments were late over that time, but our rates skyrocketed while our credit score dropped dramatically even though I had had a nearly perfect credit score before. My husband now has a job and our income has increased. What is the best way to get our financial life back on track?  Does income count in calculating credit score or in assigning credit card rates?  Is there something we can do besides paying off as much as we can as quickly as possible?
Stephanie

Stephanie is smart to want to boost her credit score. That score is quickly becoming a very important number for all your financial affairs.

Let's start by examining her current situation. We'll begin with something called the FICO score. It's named after Fair Isaac, the company that calculates and provides credit scores. The score is a number between 300 and 850. A higher score is better. It attempts to predict how likely you are to be able to pay your debts.

Lenders use the score to determine whether to approve your loan and how much interest to charge you. Others use the score to see how financially responsible you are. Insurance companies, employers and landlords are among those using your credit score in determining whether they want to do business with you.

Stephanie admits that during her husband's unemployment they had a few late bills. And that the interest rates on their credit cards jumped. That's common. In fact, you should expect that a late payment on one will have an effect on all your cards.

According to Fair Isaac, negative information can include "overdue debt from collection agencies, and public record information...including bankruptcies, foreclosures, tax liens, garnishments, legal suits and judgments." Fortunately for Stephanie only a couple of payments were late and they stayed current on the mortgage and car payments.

So what's the best way for them to improve their credit score? Fair Isaac will not say how they're calculated. But some general information is known.

Stephanie's income is not part of the score. In fact, the scoring company does not know her income.

Some companies claim that say they can raise your score immediately. Don't trust them. Repairing your credit score is not an overnight event. It takes time to improve it.

If information is accurate you cannot remove it. For instance, a late payment will remain on your report for seven years. That might seem like a long time, but it becomes less significant as you continue to make timely payments. Recent late payments hurt more. The number of late payments counts, too.

Fair Isaac says that about 35% of the score is based on your payment history. So it is important for Stephanie to make all of her payments on time.

If Stephanie is creative, it might occur to her to close the accounts that were late. But, a closed account will still show up on your credit report. You can't 'erase' a late payment by closing the account.

Stephanie is right that reducing her loan balances is important. An additional 30% of her credit score is based on the amount of outstanding debt. Ideally her card balances would be 25% or less of the installment credit available to her.

Do not open up new credit card accounts in hopes of creating new, unused credit to lower the ratio. That would actually work against her by raising the amount of unused credit and by lowering the average time that the accounts have been open.

Stephanie has already limited the number of accounts carrying a balance to five. It is believed that your score will drop if you have an unpaid balance on more than 6 or 8 accounts.

It would probably also be a good idea for Stephanie to check her credit report for errors. Actually, that's a good idea for everyone. At least once or twice a year. Tests show that one in four credit scores have a significant error. Get a free credit report at annualcreditreport.com or call 1-877-322-8228.

Stephanie and her husband are fortunate. They've survived a tough financial situation. Although some damage has been done, their credit score will rebound in time. The key now is to avoid any 'quick fixes' or missed payments that would make things worse. Simply following good money management practices like paying down her credit card balances is the best thing that she can do.

Keep on Stretching those Dollars!
Gary

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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

Having fun is good for your emotional, physical and spiritual health.

- 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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I had a very nervous guitar playing friend.
He was always fretting about something.

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Copyright - 2009

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