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 – Conserving Hard Drive Space?

** Something to Think About by Jan Tincher - Your Beliefs

** Food For Thought by Dr. Kevin Nunley  - Be The Expert

** Quote of the Day

** A Little Levity – Tax Time

** The Dollar Stretcher by Gary Foreman – Unavailable Credit

** Stress Matters

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Welcome

If you have a favorite "Tip" that would be of interest to our subscribers or an article that would be of interest, please send it to: articles@adv-marketing.com - We currently have 60,000+ subscribers who receive the "Tip of the Day" which is published every Monday, Wednesday and Friday each week.

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still
Tip of the Day

Conserve Hard Drive Space?

Sometimes when uninstalling a program a message comes up telling you that there are shared files that may not be needed on your system, "Would you like to remove?"

All of us want to conserve space on our hard drive, so of course, the natural impulse is to click "yes". Guess what? You may have actually removed files that another program does need, and you will get a “dll file not found" error after uninstalling software.

Shared files are "general purpose" files that more than one program can use. They usually come in the form of DLL files, and should be automatically installed with the software that needs them (assuming the setup program for the software includes them—most good setups will). So, if you are asked if you want to remove a shared file, it may be best to click "no".

What happens if one of those shared files gets deleted or corrupted and one of your other programs will no longer run? Easy—just re-install the program in question and you'll be back in business.

Bob

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Something to Think About by Jan Tincher

If you were to take a look at your own beliefs through someone else's eyes, what would you see?

If you don't like what you see, take the initiative and change your beliefs. With that new vision in your mind, walk straighter, walk taller, speak smoothly, consistently, intelligently.

Wait a week and look again. I'll bet you are happier with the picture you now have, the one with your new beliefs.

An article that will help is:
Do You Want To Change Your Belief Pattern?
You can find it here:
Http://www.tameyourbrain.com/beliefpattern.htm
 
 

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Stupid Quotes

"It's not that I dislike many people. It's just that
I don't like many people."

- Bryant Gumbel

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Food for Thought

Be The Expert

Some of the most successful business people are highly skilled at telling people what to do. Most of us like it when there is an expert who can steer us to the best products and services for our
situation.  Most customers are not authorities on the product they are buying. Be the expert in your business. Freely give advice and guidance to any customer who is open to it.

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

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Trivia

Blue Jays can imitate the calls of hawks.

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

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Quote of the Day

"Change your thoughts and you change your world."

- Norman Vincent Peale

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Grins

Tax Time
=-=-=-=-=

The difference between the short tax form and long tax form is simple.

If you use the short form, the government gets your money.

If you use the long form, the accountant gets your money.

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My girlfriend took her five-year-old daughter shopping with her. The little girl watched her mother try on outfit after outfit, exclaiming every time, "Mommy, you look beautiful."

A woman in the next fitting room called out, "May I borrow your daughter for a moment?"

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A large, unsavory-looking man visited the pastor's home and asked to see the minister's wife, a woman well known for her charitable impulses.

"Madam," he said in a broken voice, "I wish to draw your attention to the terrible plight of a poor family in this district. The father is out of work, the mother is ill and the children are hungry. They are about to be turned into the cold, empty streets unless someone pays their rent, which amounts to $400."

"How terrible!" exclaimed the preacher's wife. "May I ask who you are?"

The sympathetic visitor applied his handkerchief to his eyes. "I'm their landlord," he sobbed.

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Two boys were arguing when the teacher entered the room. The teacher says, "Why are you arguing?"

One boy answers, "We found a ten dollar bill and decided to give it to whoever tells the biggest lie."

"You should be ashamed of yourselves," said the teacher, "When I was your age I didn't even know what a lie was."

The boys gave the ten dollars to the teacher.

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Don't feel sad...don't feel blue...Frankenstein was ugly too...

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The Dollar Stretcher
by Gary Foreman

Unavailable Credit

When I was young, one of the things that was most likely to cause a fight was when someone changed the rules in the middle of the game. Generally someone else was a victim of the new rule and wasn't too happy about it. Fortunately, it was just childish stuff. Even if there was a fight, everyone would make up the next day.

But, it does remind us of an interesting point that's relevant today. We make plans based on how we understand the rules of the game. A change in those rules could work against us. And, as adults, unlike kids, we're playing for keeps.

A couple of articles brought this home to me. The first is Credit Card Issuers: Buy Something or Else! by Kelli B. Grant. She points out that credit card companies are actively reducing the number of customer accounts, especially those that haven't been used lately. According to Grant issuers including Chase, Bank of America, American Express and Citibank are reducing available credit lines.

This poses two big problems for consumers. First, their FICO credit score could drop. One factor in the credit score is the percentage of available credit available to the consumer. Reducing unused credit lowers your score even if you do nothing wrong.

The second problem is that many consumers use available credit as an emergency fund. Instead of having savings sitting in an account, they plan on using credit cards in case of a job loss or other emergency.

How important that can be to consumers (and ultimately the whole economy) becomes clearer if you read Credit Cards Are the Next Credit Crunch by Meredith Whitney. According to Whitney, there is approximately $5 trillion in available credit to all consumers. And, about $800 billion is currently being used.

In the last quarter of 2008, banks reduced available credit by $500 billion. And Whitney estimates that half of all available credit will be eliminated by the end of 2010. To put it another way, that's $2.5 trillion that was available to be spent that is no longer available!

What can you do? Frankly, there aren't many easy options. All of the easiest choices should have been started years ago, but there are some things that you can do to minimize the damage.

First, choose which credit cards you want and use them periodically. You don't need to carry a balance. But, use the card to charge something. By making a purchase on the card, your account will show recent activity. That's one of the triggers to close an account. When the bill comes, pay it completely.

Limit unnecessary expenses now. Build up your cash reserves. Unless you could survive for six months on your current savings, it's time to get real serious about cost cutting. The Internet (including stretcher.com) can provide you with all kinds of tools to reduce expenses. Remember that no one can suddenly decide to reduce your savings account. It's yours.

Pay down any credit card balances. You can create more unused credit by reducing the existing balance. Obviously, this takes time and should have been started before. But, better to start now than to not start at all.

Don't count on your credit lines. Expect them to drop. If Whitney's projections are right, you could lose 50% or more of your credit lines. What will you do if you run out of savings and available credit? What steps would you need to take? Who's help would you seek? Think through these things now.

Don't wait until you lose a job to take action. This could be very serious. Experts say that one of the major causes of the 1930's depression was that the supply of money shrank. Cutting available credit lines has the same effect. And, as more people default, the banks will have additional reason to reduce even more available credit, so the noose gets tighter.

Now is not the time to panic, but it certainly is time to make responsible preparations.

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

Live generously with confidence by knowing what really matters to you.

- 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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Treat each day as your last;
one day you will be right.

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Bob
Copyright - 2009

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