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 – Defrag  

** Something to Think About by Jan Tincher - Every cause brings its effect. Every action has a consequence.

** Food For Thought by Dr. Kevin Nunley  - Best Results

** Quote of the Day

** A Little Levity – The Perfect Shot

** The Dollar Stretcher by Gary Foreman –  Savings In an Uncertain Economy

** Stress Matters

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still
Tip of the Day

Defrag

I know we have discussed this in the past, but it is important and something you should take care now and then. As you use your computer, it writes to the first available spot on the hard drive. Over time, files tend to get rearranged on your hard disk, or fragmented. This is a throwback to the original Disk Operating System (DOS) which is still being used today despite the newer versions of Windows.

If your disk is fragmented, when it tried to load a program, it may have to grab one file from the middle of the hard drive, one towards the outside, then back to the inside. The net result is that you computer runs slower.

When you run a defrag program, it puts the pieces back together, so stuff loads faster. It's probably a good idea for the average user to defrag once every 2-3 months or so.

Windows includes a Disk Defragmentor tool under the Start/Programs//Accessories/System Tools/Disk Defragmentor.

Warning - Be careful when running defrag. It takes a long time to defragment a large hard drive (3 meg or higher). (I usually run it at night) Also, the defrag program takes files off your hard drive and sticks them into your system RAM while it's reorganizing your disk. If you lose power during a disk defragmentation, it can cause a real world of hurt. At best you'll mess up a program or two and at worst you may no longer be able to access your hard drive and Windows. Definitely not something to do during a thunderstorm.

All of our computers have two identical hard drives.  Before we degrag, we always back up the one to be defragged to the other.

Bob

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Something to Think About by Jan Tincher

Every cause brings its effect. Every action has a consequence.

What does that mean?

If you plant apples, you'll reap apples. If you plant goodness, you'll reap goodness. Start your new year out planting lots of goodness. Smile as you reap the rewards.

Look at every action you make. What will it bring you? If you don't like what it will bring you, ultimately, then start finding new actions to use.

An article that will help is:  Do You Gamble?
You will find it here:  http://www.tameyourbrain.com/gamble.htm

You'll be glad you did!

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Stupid Quotes

"We all get heavier as we get older because there's a lot more
information in our heads."

- Vlade Divac, Basketball player

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Food for Thought

Best Results

Customers are excited by the new, but comforted by the old and familiar.  Present a mixture of both for best results.

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

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Trivia

Beets reminded early cooks of a bleeding animal when they cut them open, so they started calling them "beets."
This was derived from the French word bête, meaning "beast."

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

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Quote of the Day

"All truth passes through three stages. First, it is ridiculed.
Second, it is violently opposed. Third, it is accepted as being self-evident."

- Arthur Schopenhauer

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Grins

The Perfect Shot
-=-=-=-=-=-=-=-=

A guy stands over his tee shot for what seems an eternity:  looking up, looking down, measuring the distance, figuring the wind direction and speed. Finally his exasperated partner says, "What's taking so long? Hit the damn ball!"

The guy answers, "My wife is up there watching me from the clubhouse. I want to make this a perfect shot."

"Forget it, man," says his partner. "You'll never hit her from here."

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After interviewing a particularly short-spoken job candidate, I described the person to my boss as rather monosyllabic. My boss said, "Really? Where is Monosyllabia?"

Thinking that he was just kidding, I played along and said that it was just south of Elbonia. He replied, "Oh, you mean over by Croatia?"

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An old mountaineer and his young ex-wife were fighting over custody of their children.

The mother protested that since she brought her kids into this world, she should retain custody of them.

The judge asked the old mountaineer for his side of the story.

After a long moment of silence, the mountaineer rose from his chair and asked, "Judge, when I put a quarter in a candy machine and a candy bar comes out, does it belong to me or the machine?"

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A blonde thought if she dyed her hair brown she would become smarter. While driving in the country she spotted this farmer herding sheep and asked him "If I guess how many sheep you have will you let me have one?" The man said "Sure." Well she looked over and over and said 73.

He said "Wow your good." So the blonde claimed her prize. While walking her back to the car the man said "If I guess your
hair color can you give me my dog back?".

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Friction is such a drag.

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The Dollar Stretcher
by Gary Foreman

Savings In an Uncertain Economy

At a time when unemployment has jumped from 5.5% a year ago to 9.4% in May, 2009 it's understandable that people are concerned about their jobs. < http://data.bls.gov/PDQ/servlet/SurveyOutputServlet?request_action=wh&graph_name=LN_cpsbref3 >

And their response has been predictable. The personal savings rate (personal savings as a percent of disposable personal income) was 5.7% in April, 2009. That's a 14 year high. Bureau of Economic Analysis <http://www.bea.gov/newsreleases/national/pi/pinewsrelease.htm>

The same BEA report indicated that personal consumption expenditures (PCE) declined by 0.1%. In other words, many of us have shifted from spending money to saving money.

That's supported by statistics from the Federal Reserve. "Consumer credit decreased at an annual rate of 7-1/2 percent in April 2009."
< http://www.federalreserve.gov/releases/g19/Current/>

So it would appear that much of the money that's not being spent is going to pay down credit card balances.

Under normal circumstances that would be the right thing to do. Pay down the most expensive debt first - i.e. the loan that charges the highest interest rate.

But, for many families these are not normal times. If you are concerned that your income could be cut or cut off, you might need to consider an alternative plan.

Let's look at a situation where your income is cut and is not sufficient to meet all of your bills. And, let's assume that you have a mortgage, one car loan and various credit card balances.

After a cut in income, the first thing you should do is to talk with anyone that you owe money to. Explain that your income has been cut and you need an adjustment to your payment schedule. Some companies will work with you. Others will not.

Next, you need to decide in what order you'll pay your bills. You already know that your income is not high enough to pay all the bills. So someone will not get paid.

Naturally, you'd want to pay the most important bills first. That would be your mortgage. Right behind it would be groceries to feed your family. A roof over your head and food in your tummy are pretty essential.

OK, now for the challenging part. The money that's left isn't enough to cover the car and credit card payments. What should you do?

What would happen if you fail to pay? If you don't pay your auto loan after a few months they'll repossess your ride. That could make job hunting more difficult. Not a pleasant thought.

On the other hand, if you don't pay your credit card bills you can apply for credit counseling. Typically they'll reduce your interest rate and lower your minimum monthly payment. The bad news is that your credit score will be negatively affected and you'll be expected to quit using the cards.

Not being able to use credit cards will be inconvenient. You'll need to use cash to buy groceries and other essential items. But, that can be done.

So logic tells us that it's wisest to pay your auto loan before your credit card bills. But, what does that have to do with today's extra savings at a time when you are able to meet all your obligations?

It may not be best to use that extra income to pay off the most expensive (i.e. credit card) debt today. The reason is simple. In a crisis you'd much rather have that extra money tucked in a savings account or CD so that it could be used to make mortgage and car payments later. The more money you have in savings the longer you can hang on with a reduced income.

There's a cost to this strategy. Instead of retiring 14% credit card debt, you'll be earning 1 or 2% on the savings. So it's fairly expensive insurance.

But, if you think that there's a good chance that you could see a significant cut in pay or lose your job, it might be something to consider until the danger passes. Remember that if you lose your job you won't get a 'do over'. Having some money in savings could be essential to your family's survival.

They say that extraordinary times call for extraordinary measures. This might be one of those times.

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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

Celebrate the power of belief; the power of collaboration; and the power of meditation.

- 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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There's a world famous Steak House in my home town.
It's called the "House of Grill Repute."

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Bob
Copyright - 2009

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