Your Tip of the Day

by Bob Osgoodby

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- 7/1

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In this Issue

** Tip Of The Day –   Hidden Task Bar

** Something to Think About by Jan Tincher - Quiz:

** Food For Thought by Dr. Kevin Nunley  - Million Dollar Bill

** Quote of the Day

** A Little Levity – Dirty Magazines

** The Dollar Stretcher by Gary Foreman – -- Surviving Tough Times -- Someone to Pay My Credit Card Bills?

** Stress Matters

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Welcome

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still
Tip of the Day

 Hidden Task Bar

If you’re like me, you don’t like your task bar taking up space on your screen. You of course can hide it – Start/Settings/Task Bar and Start Menu – click on the boxes “Auto-hide the Task Bar” and “Keep Task Bar on Top”.  With these features enabled, your task bar will not normally be seen, but when you put your cursor where it should be, it pops up.

But sometimes, the task bar gets recalcitrant and won’t pop up – especially if an open screen is maximized and sitting on top of it.  Not to worry – hit either “Windows” Key and there it is.

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

Quiz:

What is the famous sentence that can help you if you are being held back in your life?

Ask not what your country can do for you, but what you can do for your country. (Paraphrased)

What can you do to help others? When we get our minds off of what we want and on to what we can do for others, what we want usually shows up in our lives.

Here is an article that may help:  The One Sentence That Can Change Your Life   You can find it here:
Http://www.freeachesandpainstips.com/articles/onesentencechangelife.htm
If li/nk doesn't work, please copy and paste it into your browser.  If you would like to chat with like minded people,
check out Jan Tincher's new web site, go here: http://www.jantincher.com

You'll be glad you did!

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Stupid Quotes

"When you get that nice celebration coming into the dugout and
you're getting your ass hammered by guys, there's no better
feeling than to have that done."

- Matt Stairs Professional Baseball Player

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Food for Thought

Million Dollar Bill

One guy had the hottest thing in specialty marketing. He sold very realistic looking One Million Dollar bills (in fact, they look so much like the real thing he once got a visit from the Secret Service--who apparently didn't' know there is no such thing as a REAL million dollar bill).

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

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Trivia

In early America, simple wooden beds and straw mattresses were the rule in all but the wealthiest of homes. American inns during the Revolutionary War era were not lush or comfortable, and an innkeeper would think nothing of requesting that a guest share his bed with a stranger when accommodations became scarce.

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The Healing Formula / Bedsore Solutions

The Healing Formula  is an All-Natural OTC wound care formula developed mainly for the treatment of Pressure Sores (Decubitus Ulcers). A home care nurse with over 30 years experience developed the product. We use the finest ingredients available including Certified Organic Aloe Vera gel with all the beneficial Enzymes still intact and Hydrogen Peroxide.  The Healing Formula  comes with an unconditional Money Back Guarantee if you are not completely satisfied. Please visit our website for more details, wound care pictures and testimonials.
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

"Nothing tells more about the character of a man than the things he makes fun of."

- Johanne Goethe

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Grins

Dirty Magazines
-=-=-=-=-=-=-=

Soon after being transferred to a new duty station, my Marine husband called home to tell me he would be late - again. He went on to say that dirty magazines had been discovered in the platoon's quarters and they had to discipline the whole squad. I launched into a tirade, arguing that many men had pictures hanging in their quarters at our previous post, so his new platoon should not be penalized for something trivial.

My husband calmly listened to my gripes and then explained, "Honey, dirty magazines: the clips from their rifles had not been cleaned."

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The first testicular guard "Cup" was used in Hockey in 1874 and the first helmet was used in 1974.

It took 100 years for men to realize that the brain is also important.

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TOP TEN INDICATORS THAT YOUR EMPLOYER HAS CHANGED TO A CHEAPER HEALTH CARE PLAN:

 (10) Your annual breast exam is done at Hooters.

 (9) Directions to your doctor's office include "Take a left when you enter the trailer park".

 (8) The tongue depressors taste faintly of Fudgesicles.

 (7) The only proctologist in the plan is "Gus" from Roto-Rooter.

 (6) The only item listed under Preventative Care Coverage is "an apple a day".

 (5) Your primary care physician is wearing the pants you gave to Goodwill last month.

 (4) "The patient is responsible for 200% of out-of-network charges," is not a typographical error.

 (3) The only expense covered 100% is "embalming".

 (2) Your Prozac comes in different colors with little M's on them.

 AND THE NUMBER ONE SIGN YOU'VE JOINED A VERY CHEAP HEALTH CARE PLAN:

 (1) You ask for Viagra, and they give you a Popsicle stick and duct tape!

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What We Learn From The Movies

- It is always possible to park directly in front of any building you are visiting.

- A detective can only solve a case once he has been suspended from duty

- If you start dancing in the street, everyone you bump into will know all the steps.

- Most laptops are powerful enough to override the communication systems of any invading alien civilization.

- It does not matter if you are heavily outnumbered in a fight involving martial arts - your enemies will wait patiently to attack you one by one, dancing around in a threatening manner until you have knocked out their predecessors.

- After a person suffers a massive blow to the head, they will still be surprisingly good looking.

- No one involved in a car chase, hijacking, explosion, volcanic eruption or alien invasion will ever go into shock.

- Partnering police officers with their total opposites will always, eventually, lead to buddy teams who share unbreakable bonds and gruff affection.

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Friction is such a drag.

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The Dollar Stretcher
by Gary Foreman

-- Surviving Tough Times -- Someone to Pay My Credit Card Bills?

"Circumstances are the rulers of the weak; they are but the instruments of the wise." - Samuel Lover

It doesn't take a genius to notice that our financial circumstances have changed in the last few years, but it does take some thought to recognize which strategies are still sound and which ones need to be changed. Today we're going to talk about one that may need to be changed depending on your circumstances.

For years, credit card holders have had the option of buying "credit card insurance" on their accounts. There are a number of different forms. Some pay your account if you die. Others pay if you're disabled. The one that we're going to consider pays if you lose your job.

Before we begin, let's take a moment to discuss why we buy insurance. In its purest sense, we buy insurance to pay for losses that we cannot afford to absorb ourselves. Often these losses are sudden, unexpected or out of our control. Think car accidents or a home fire or burglary.

Typically, it's foolish to buy insurance for things that we can afford to cover. You wouldn't buy insurance to pay for your next tank of gas. Presumably you can afford it and the paperwork plus the insurance company profit would just add to the cost.

The second thing to recognize is that it's usually cheaper to buy insurance that's broader. For instance, regular term life insurance (that you can use however you like) is going to be cheaper than credit card life insurance (that will only pay your credit card bill).

Today we're going to look at "involuntary unemployment credit card insurance." That's insurance that will pay if you lose your job.

For years, I've advised against this type of insurance. It's expensive. And, it's limited in what it covers. In fact, it's been a big money-maker for the credit card companies. Plus, you shouldn't carry a balance that you couldn't handle if you lost a job temporarily.

But, circumstances change. Given the economy, many people are concerned about losing their job. And, they're right. There is more risk than usual. It's only smart to consider how safe your job is. If you're not sure, there's a simple quiz that can tell you how risky your situation is at <http://www.scorelogix.com/JSSPay.asp?product_id=1&Pid=4>. It was developed by a group of mathematicians who specialize in forecasting.

If you think that there's a reasonable chance that you could lose your job, you should consider "involuntary unemployment credit card insurance."

Let's learn a little more about it. In the case of layoff, they will make your minimum payment. The insurance only covers the payment on that one specific card. So if you have more than one open balance, you'll need more than one insurance policy.

Generally, they won't pay right away. You'll need to continue making the payment until you've verified that the insurance is paying your bill. If you don't pay and they don't either, you'll be facing late payment fees and a lower credit score.

You will need to meet the involuntary unemployment standards. Usually the insurance probably will not pay if your hours are cut by less than 50%.

The insurance will only make your minimum payment. It will not pay off the entire balance. That means that the unpaid balance will still be growing due to the interest charged.

The insurance will only pay for a maximum number of months or a maximum dollar amount. So your payment is not covered forever.

They will not make minimum payments on anything charged after you are laid off. That can be important if you plan on using that card to help tide you over after a layoff.

Now that we know something about it, what steps would you take to investigate further? You'd begin by calling the credit card company. They'll put you through to someone who should know how their policy works.

Ask them how much it will cost. They should give you a cost per $1,000 of account balance and also tell you how much it would cost on your current balance.

Find out exactly what has to happen and what you need to do for them to make your payment. Know what is excluded. If you don't understand, ask questions until you do. Don't "think" you know what's covered.

Make sure you're clear who needs to be unemployed. Is it your account? Your spouse's account? A joint account? Know who needs to lose their job for the insurance to be triggered.

Find out what it will take to cancel the insurance later. Hopefully your job will be more secure at some point in the future and the insurance will not be necessary.

Decide what credit card you would use for routine purchases. Would that affect which cards you insure?

Once you've gathered your information, give yourself a day to think about it. Discuss it with your spouse or a trusted friend/relative.

Here's one final warning. Scammers may call you and claim to be from the credit card company. Do not give them your card number. If you want to buy the insurance, make sure that you're the one doing the calling.

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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

Words matter.  You make your words matter when you choose your words proactively.

- 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 dog's name is pFt5%deLt, but I change it every 90 days.

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Copyright - 2009

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