Your Tip of the Day

by Bob Osgoodby

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In this Issue

** Tip Of The Day – Surfing History

** Something to Think About by Jan Tincher - Do you know what the best kept secret of success is?

** Food For Thought by Dr. Kevin Nunley  - Mailing List

** Quote of the Day

** A Little Levity – Marriage

** The Dollar Stretcher by Gary Foreman – Inheriting Spouse's Debts

** Stress Matters

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Welcome

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still
Tip of the Day

Surfing History

Every time you visit a web site, your browser stores the site address (and all the pages visited on that site) in a history file. This comes in really handy when you're trying to remember the site you were visiting the other day, or if you want to check up on what sites were visited by your kids.

Hit CTRL+H to view history - a pop-up screen will appear on the left side of your screen and you can search back for up to three weeks.  To re-visit the site, left click on the name and the page(s) you visited will be listed beneath.  Simply click on the page you wish and it will take you there. If the name of the page doesn’t “ring a bell”, simply pause your mouse over the web page name and it will give you more information.

Bob

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Something to Think About by Jan Tincher

Do you know what the best kept secret of success is?

Your brain doesn't know the difference between something real and something repeatedly and vividly imagined.

Did you have an experienced that wasn't good? Why not get your brain busy seeing vividly, and repeatedly, a better experience. When your brain tries to think about the *real* experience, shift immediately to your visualization of a better experience. Do that continuously. Pretty soon, your thoughts will just go to the visualization.

An article that will help is:  What Is Your BioComputer Saying?
You will find it here: http://www.tameyourbrain.com/biocomputer.htm

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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

Mailing List

Marketing almost always works better when it is tightly targeted. And you can't get much more targeted than a good mailing list. Mailing list brokers give you choices of lists for just about any lifestyle group, neighborhood, industry, or behavior (like people who always buy your product or service this time of year).

Because North Americans move a lot, lists quickly go out of date. A good list has recently compiled names and addresses. These lists cost more, but they save you lots of money by getting your letter to the right prospects with a minimal number of undeliverables.

Mailing come in three types:
* Response Lists consist of people who are known to buy certain types of products and services. Ever buy a product then suddenly get lots of mail for similar products?

* Occupant Lists give you names and addresses for a certain area or zip code.

* Compiled Lists are names pulled from phone books, ads in publications, and media subscription lists.

A good place to find a list for your business can be found at: http://listsareus.com/

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

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Trivia

In Russia, imported American hot dogs are big favorites. They are eaten at lunch, dinner, and even breakfast.
Wienies are often sliced lengthwise, fried in butter and dished up with bread, cheese, and smoked fish.

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Quote of the Day

"Education is what remains after one has forgotten everything he learned in school."

- Albert Einstein

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Grins

Marriage
-=-=-=-=-=

Ken and Marjorie finished their breakfast at the retirement home and were relaxing in the library. "You know," said Marjorie "today, in most marriage ceremonies, they don't use the word 'obey' anymore."

"Too bad, isn't it?" retorted Ken. "It used to lend a little humor to the occasion."

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Working people frequently ask retired people what they do to make their days interesting. Well, for example, the other day I went downtown and into a shop. I was only there for about 5 minutes, and when I came out, there was a cop writing out a parking ticket.

I said to him, 'Come on, man, how about giving a retired person a break'? He ignored me and continued writing the ticket. I called him a 'Nazi.' He glared at me and wrote another ticket for having worn tires. So I called him a 'doughnut eating Gestapo.' He finished the second ticket and put it on the windshield with the first. Then he wrote a third ticket. This went on for about 20 minutes. The more I abused him the more tickets he wrote.

Personally, I didn't care. I came downtown on the bus, and the car that he was putting the tickets on had a bumper sticker that said, 'Obama in '08 .' I try to have a little fun each day now that I'm retired. It's important to my health.

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At 82 years old, a man applied for his first passport. He was told he'd need a birth certificate, but his birth had never been officially registered.

When he explained his dilemma to the passport agent, the response was less than helpful: "In lieu of a birth certificate," the agent said, "you can bring a notarized affidavit from the doctor who delivered you."

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A woman in a hot-air balloon realized she was lost. She lowered her altitude and spotted a man in a boat below. She shouted to him, "Excuse me, can you help me? I promised a friend I would meet him an hour ago, but I don't know where I am."

The man consulted his portable GPS and replied, "You're in a hot air balloon, approximately 30 feet above a ground elevation of 2,346 feet above sea level. You are at 31 degrees, 14.97 minutes north latitude and 100 degrees, 49.09 minutes west longitude.

"She rolled her eyes and said, "You must be a Republican."

"I am," replied the man. "How did you know?"

"Well," answered the balloonist, "everything you told me is technically correct.  But I have no idea what to do with your information, and I'm still lost.  Frankly, you've not been much help to me."

The man smiled and responded, "You must be an Obama Democrat."

"I am," replied the balloonist. "How did you know?"

"Well," said the man, "you don't know where you are or where you are going.. You've risen to where you are, due to a large quantity of hot air.  You made a promise you have no idea how to keep, and you expect me to solve your problem.  You're in exactly the same position you were in before we met, but somehow, now it's my fault."

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Nothing's impossible for those who don't have to do it.

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The Dollar Stretcher
by Gary Foreman

Inheriting Spouse's Debts

My question is about each married individual's responsibility in case of the death of the other. I will use my husband and I as an example. We have separate bank accounts, separate loans, and separate credit cards except for our heating utility company. Our marriage is the second for each of us. While I have established a very good credit history, my current husband has bad credit. Will I be responsible for paying off his debts if he should die first? I have never used his credit cards and my name is not on any accounts of his. Our cars are also only listed in his name or mine.
Nancy

While none of us like to think about it, we should all be prepared for our own deaths and those near to us. Nancy is very smart to ask these questions now while she can still take any corrective action that's necessary.

There are two ways that you can find yourself being responsible for another person's credit card debts. The first is if you agree to be responsible for debts incurred on the card. You'll need to sign an application for this to happen. Generally you'll be the owner/co-owner of the account or have co-signed on the account. But, you'll know if you've obligated yourself this way (unless you didn't bother to read what you were signing). In Nancy's case, it appears that she hasn't done that.

The second way that you could be responsible for credit card debts is less obvious. Let's take Nancy's situation. Suppose that she is not personally responsible for the card. Only her husband (from now on known as "Hubby") is. So if Hubby should die, the credit card company must look to his assets for payment. What does he own? Anything that's titled in his name (like the car that Nancy mentioned) is fair game for creditors. So if Hubby is not on the title to Nancy's car, the car should be safe from his creditors.

Where it gets tricky is with anything that's owned in a joint account. In some joint accounts you only own your portion of the account (i.e. half of an account with two joint owners or 1/3 of an account with three owners). But in most, it's assumed that either party owns all of the account. In other words, either Nancy or Hubby could write a check for the entire balance of a joint checking account. In this case, the credit card company would say that Hubby owned all of the checking account and claim the entire balance to pay off Hubby's credit card bill. And, they'd get the money.

Nancy has been wise to avoid joint accounts. She's gone a long way to avoiding debts that aren't her debts, but there's still one more hurdle that she'll need to clear.

There's a patchwork of state laws that must be considered. For instance, your state may have a law that says that it's assumed that half the property acquired during a marriage belongs to each partner. That could mean that half of your property (including savings accounts, etc.) is available to pay your spouse's debts. Only research in your state laws will alert you to all the dangers. In some cases, a lawyer will be required.

Whether Nancy needs to talk with one will depend on her circumstances. She can do the basic things herself (and for the most part she already has). Keep separate credit card accounts. Don't co-sign or guarantee any loans. Keep your assets separate.

If either Nancy or Hubby has significant assets (and, you'll need to decide what "significant" means to you), it might be wise to see an attorney. If you come in with the facts and specific questions, it shouldn't be too expensive to find out if you have any exposure to debts that you didn't create.

As a general rule, you don't become responsible for someone's debts because you're related to them, but the exceptions to this rule can be really expensive! So find out before it's too late.

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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

Knowledge is a lifelong learning process in being remarkable.  Make your world a better place than the way you found it.

- 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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If you always tell the truth you don't have to remember anything.

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Bob
Copyright - 2009

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