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 –Setup File

** Something to Think About by Jan Tincher - Put your courage into action.

** Food For Thought by Dr. Kevin Nunley  - Ezine Ads

** Quote of the Day

** A Little Levity – How Bad

** The Dollar Stretcher by Gary Foreman – It's About Time

** Publications of Interest

** Stress Matters

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Welcome

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still
Tip of the Day

Setup File

After downloading software from the web and running the setup program you might be able to delete the setup file.

If it was a ZIP file, you're normally safe. If it was an EXE file, make sure it's only a setup program and not the actual program itself (in most cases, it's only a setup program). The way most setup programs work is they are a "package" for the program and its associated files. It installs the program and files to where they belong then it just sits there, taking up space.

HOWEVER... make sure that if something happens to your computer you'll be able to re-download the software should you need to re-install it. If there is any question about the future availability of the software, it may be a better idea to save the file to a removable media and keep it in a safe place..

Bob

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Publish your ad in the Tip of the Day Newsletter and get your
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Something to Think About by Jan Tincher

Put your courage into action.

If you endure, persist, stay at it once you have begun, you are displaying courage.

One might say that persistence is a form of courageous patience, a rare type of courage. If you have courageous patience, you have the ability to stand firm before you get any feedback or results. When you plan your work and work your plan, you will build and develop that type of courage within you.

Whenever you need to bolster your courage, concentrate your attention on your Power Picture, the picture you have of yourself that says I Can Do It! Create a mental picture of you as you mean to be, performing as you would like to perform.

Temper your thoughts of fear with thoughts of courage and self-esteem. What you dwell upon, grows . . . Be careful. <grin>

An article that may help is: What Is Your Own Personal
Bio Computer Saying?
Http://www.tameyourbrain.com/biocomputer.htm

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Stupid Quotes

"Capital punishment is our society's recognition of the sanctity of human life".

- Orrin Hatch (US Senator from Utah) explaining his support of
the death penalty, May 16, 1988

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Food for Thought

Ezine Ads

Place a few ezine ads. You'll get best results from an ezine that appeals to your best customers. Also look for an ezine that regularly features good, in-demand information. Those are the zines people read regularly.

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

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Trivia

A Tom Swifty is a play on words that derives its humor on a punning relationship between the way an adverb describes a
speaker, and at the same time refers significantly to the context of the speaker's statement.

Here's an example: "Take the prisoner downstairs," Tom said condescendingly.

The adverb 'condescendingly' makes a double pun on the related
words 'con' (prisoner) and 'descending' (downstairs).

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Bedsore Solutions, LLC - PO Box 10071 - Torrance, CA 90505   800 357-2944    310 326-4209

www.healingformula.com   -   info@healingformula.com

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

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Quote of the Day

"My philosophy is that not only are you responsible for your
life, but doing the best at this moment puts you in the best
place for the next moment."

- Oprah Winfrey, Talk Show Host

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Grins

How Bad
=-=-=-=-=

My wife and I are both in an Internet business, but she's the one who truly lives, eats, and breathes computers.

I finally realized how bad it had gotten when I was scratching her back one day.

"No, not there," she directed. "Scroll down."

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A bill collector knocked on the door of a country debtor. "Is Fred home?" he asked the woman who answered the door.

"Sorry," the woman replied. "Fred's gone for cotton."

The next day the collector tried again. "Is Fred here today?"

"No, sir," she said, "I'm afraid Fred has gone for cotton."

When he returned the third day he humphed, "I suppose Fred is gone for cotton again?"

"No," the woman answered solemnly, "Fred died yesterday."

Suspicious that he was being avoided, the collector decided to wait a week and investigate the cemetery himself.

But sure enough, there was poor Fred's tombstone, with this inscription:

"Gone, But Not for Cotton."

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Mom and Dad were trying to console Susie, whose dog, Skipper, had recently died.

"You know," Mom said, "it's not so bad. Skipper's probably up in Heaven right now, having a grand old time with God."

Susie stopped crying and asked, "What would God want with a dead dog?"

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After booking my 80-year-old grandmother on a flight from Florida to Nevada, I called the airline to go over her special needs. The representative listened patiently as I requested a wheelchair and an attendant for my mother because of her arthritis and impaired vision to the point of near blindness.

My apprehension lightened a bit when the woman assured me that everything would be taken care of. I thanked her profusely.

"Oh, you're welcome," she replied. I was about to hang up when she cheerfully asked, "And will your grandmother need a rental car?"

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Try to sell something to every telemarketer that calls you.

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The Dollar Stretcher
by Gary Foreman

It's About Time

Does anyone think that $20,000 will buy a new car forty years from today? Maybe it's time for an article on the time value of money, accounting for inflation in long term investment plans, and related issues.
Lester

Lester was referring to an article that I had written saying that when you buy something today, you're agreeing not to buy something more expensive later. And, he's right. You can't simply take today's prices and expect them to be valid for future purchases, especially if you're looking more than a few years into the future.

The concept of rising prices is only one component of an economic theory called "the time value of money." It's a theory that we see every day but don't typically give any thought.

The basic statement of the time value of money is very simple. A dollar today is worth more than having one tomorrow (or next year).

Having money over a period of time is valuable. Money can earn more money. Suppose that you had $100 today and could earn 10% on it. A year from now you'd have $110. In two years $121. So having that $100 is valuable.

Also, I'd rather have $100 today than wait and get it tomorrow. I won't earn much interest in one day, but it should be worth a little more tomorrow. It's also safer getting it today. There's always that possibility, however small, that you won't get the money tomorrow. By getting it today, you've eliminated that risk.

Lester points out another area where the time value of money applies. That's in the area of retirement planning. Suppose that you expect to retire in 20 years. You know that prices will rise before then. But can you estimate by how much?

A quick and easy way to answer that question is to use the rule of 72. The formula is easy. The number of years in the future times the interest rate you expect equals 72. That's how long it will take for prices to double.

Let's do an example. You want to know how long it will take prices to double if inflation is 6%. A little algebra tells us that you divide 72 by 6. Prices will double in 12 years. So if you expect to retire in 20 years and inflation is 6%, prices will be nearly 4 times higher when you retire. ($1 x 2 = $2 in 12 years. That $2 x 2 = $4 the next 12 years. Or 4 times in 24 years)

If you play with the formula, you'll find that the rate of interest you choose makes a big difference in the results. For instance, 3% inflation would mean that prices would double every 24 years. Quite a difference compared to going up 4 times in the same amount of time.

You can also use the same formula to calculate how long it will take your money to double in an investment account. For instance, if you're earning 9%, it will take 8 years (9 x 8 = 72).

You may want to get more precise than our little formula will allow. For that, you'll need something called a financial function calculator. It will do a lot more than time value of money, but it's easy enough to learn how to use it for time value questions. And, they're not expensive.

Some people will subtract the inflation rate from their investment return to get a "real" rate of return on their retirement savings. For instance, if you earned 8% on the money and inflation was 3%, you've really gained 5% in buying power.

Another application for time value of money is when you're trying to decide which payment plan you'd prefer. What happens if you were told that you could buy a car for $20,000 cash today. Or you could make $400 payments for 60 months. Or you could put $4,000 down and make $375 payments for 48 months.

You could add up all the checks you would write. And that would be a good rough estimate. But you'd get a more precise answer by using a calculator to bring everything back to today's dollars so that you'd have a fairer comparison.

Don't be intimidated by the concept. Just remember that having $1 today is more valuable that having one a year from now. And the same holds true if you're paying. A dollar that you pay today is more valuable than one that you'll pay next year.

With an understanding of the time value of money and the ability to use the rule of 72, you can help yourself in a variety of common money situations. Thanks to Lester for suggesting it.

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

Reassurance comes from clear and open communications, and is the key to making wise decisions

- 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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My family coat of arms ties at the back.
Is that normal?

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Copyright - 2009

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