Your Tip of the Day

by Bob Osgoodby

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In this Issue

** Tip Of The Day – Runtime Error

** Something to Think About by Jan Tincher - It is said that nature doesn't like a vacuum.

** Food For Thought by Dr. Kevin Nunley  - 11,000 Media Contacts

** Quote of the Day

** A Little Levity –  Late To Work Again...

** The Dollar Stretcher by Gary Foreman – -- Surviving Tough Times -- Savings in an Uncertain Economy

** Stress Matters

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still
Tip of the Day

Runtime Error

Basically, a runtime error is an error that occurs during the execution of a program. Runtime errors go along with the "bug" errors you may sometimes see as well. The error tells you your system has found certain bugs in the program you're using. The error also indicates some problems the creators of the program anticipated, but couldn't fix.

There are various runtime error numbers, each referring to a different problem and they can occur in various programs, including Outlook Express and Internet Explorer. If you're hit with a runtime error, copy the assigned number and do a Web search for it. Chances are, you will find a quick fix.

Bob

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Something to Think About by Jan Tincher

It is said that nature doesn't like a vacuum.

It continually tries to fill it.

That being the case, why don't you throw/give away your old clothes that you don't use or want anymore? Don't use or want being the operative terms here. The same with furniture, books, jewelry, etc. If it is true that nature doesn't like a vacuum and continually tries to fill it, then something will come along to fill up that space.

Why not step out in faith and let nature take its course.

An article that might help is: Being A Packrat Hurts
You can find it here:
http://www.tameyourbrain.com/beingpackrat.htm
 
 

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Stupid Quotes

"The only happy artist is a dead artist, because only then you
can't change. After I die, I'll probably come back as a paintbrush."

- Sylvester Stallone

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Food for Thought

11,000 Media Contacts

These days media organizations are having to do more with fewer people and smaller budgets. This means your local TV, radio, or newspaper outlet may be paying a lot more attention to press releases which give them a free source of ideas and story leads.

There has never been a better time to write your press release and send it out to media. How many media are there? It depends what you're trying to do with your press release.

There are several PR companies online these days offering to send your release to 11,000 or more contacts. Most of these lists are packed with very specialized publications (like the Drinking Water Journal) and ezines who have no interest in your release.

I've found there are about 5,000 media outlets at any given time that are interested in receiving press releases on a wide range of topics. These are TV, daily and weekly newspapers, a few news services, and a small handful of general interest magazines. The vast majority of contacts on any list are radio stations whose numbers account for more than half of media in North America.

Also look for lists of media who specialize in covering your industry. If you sell computer books, you might look for a computer industry list and an education list. These more specialized lists range from 6 contacts to almost 200 depending on the subject area. I've found http://gapent.com to be a great source of these tightly targeted lists.

Beyond that, you don't need to worry about targeting. All major media outlets have a person who goes through releases and targets them to the editor or reporter who covers your topic.

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

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Trivia

Actor Leslie Nielsen grew up in a log cabin 200 miles south of the Arctic Circle.

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Quote of the Day

"For a nation which has an almost evil reputation for bustle, bustle, bustle, and rush, rush, rush, we spend an enormous
amount of time standing around in line in front of windows, just waiting."

- Robert Benchley

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Grins

Late To Work Again...
=-=-=-=-=-=-=-=-=-=-=-=

George had this problem of getting up late in the morning and was always late for work. His boss was mad at him and threatened to fire him if he didn't do something about it.

So George went to his doctor who gave him a pill and told him to take it before he went to bed.

That night, George slept well and, in fact, beat the alarm in the morning. He had a leisurely breakfast and drove happily to work.

"Boss", he said. "The pill the doctor gave me actually worked!"

"That's fine" said the boss, "But where were you yesterday?"

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Having moved into his first apartment, our son invited my husband and I for a visit.

As we walked in, our son asked if we'd like a cold drink.

Mentally patting myself on the back for teaching him to be such a gracious host, I said, "Yes, what do you have?"

He walked over to the refrigerator, opened the door, studied the contents, and then replied, "I have pickle juice or water."

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"Now this is the verbal part of your employment test," said the interviewer.

"Can you tell me what gross aggrandized annuity means?"

"Certainly," replied the applicant.

"It means I don't get the job."

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A young preacher was asked by the local funeral director to hold a grave-side burial service at a small local cemetery for someone with no family or friends. The preacher started early but quickly got himself lost, making several wrong turns. Eventually, a half-hour late, he saw a backhoe and its crew, but the hearse was nowhere in sight, and the workmen were eating lunch.

The diligent young pastor went to the open grave and found the vault lid already in place.

Taking out his book, he read the service. Feeling guilty because of his tardiness, he preached an impassioned and lengthy service, sending the deceased to the great beyond in style.

As he was returning to his car, he overheard one of the workmen say: "I've been putting in septic tanks for twenty years and I ain't never seen anything like that."

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Today is day for firm decisions! Or is it?

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The Dollar Stretcher
by Gary Foreman

-- Surviving Tough Times -- 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_nam e=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

Big ideas come from passion, vision, commitment and persistence.  Big ideas shape the world around 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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'Criminal Lawyer' is redundant

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Bob
Copyright - 2009

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