Your Tip of the Day

by Bob Osgoodby

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In this Issue

** Tip Of The Day – Flash Drive

** Something to Think About by Jan Tincher - The man who felt like a failure.

** Food For Thought by Dr. Kevin Nunley  - "Why Aren't You Answering?"

** Quote of the Day

** A Little Levity – Artie Chokes

** The Dollar Stretcher by Gary Foreman – Reduce Savings to Pay Debts?

** Stress Matters

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still
Tip of the Day

The Flash Drive Cycle

Flash drives can only handle so many write, erase and rewrite cycles. (That is, when you save something to your flash drive, you erase it and then save something else). They are strongly built, but just like any other product, they can start to wear down over time. So, how many cycles can your flash drive take? Typically, a flash drive can support several hundred thousand rewrites. The process will start to slow down once your device starts to age, but all in all, it will probably last for quite some time.

Now, all of that does depend on a few factors, like how often you do rewrites, the size of the data you save, how much you use your flash drive for anything else, the speed of your computer, etc. While some things will determine how many cycles you will get out of a flash drive, you have to keep in mind that either way, you will be getting your money's worth.

Bob

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Something to Think About by Jan Tincher

The man who felt like a failure said to his mentor, "If I had more money, then I'd have a better plan."

His mentor replied, "If you had a better plan, then you would have more money."

It all starts in your mind, but it must start *now.* *Now* is when you think the thoughts that give you a better plan. Or *now* is when you think the failure thoughts and encourage the failure in reality. If you have the *if, then* mentality,
you will always think *If this happens, then I'll be happy.* You will always be waiting. If you are waiting, you are not succeeding.
 

An article that will help is Decisions Determine Your Destiny
You will find it here:
Http://www.tameyourbrain.com/decisionsdeterminedestiny.htm
 

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Stupid Quotes

"Tom (Cruise) has - we all have - the right to practice how we
feel. Don't judge someone until they have tossed your salad."

- John Travolta

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Food for Thought

"Why Aren't You Answering?"

Email is exploding. Now that over half of all North Americans send email on a regular basis, just about everyone's email box is over-flowing.

If your prospect doesn't recognize your name or email address, or your subject line doesn't sound interesting, your carefully crafted email message can be deleted along with the morning spam.

Many of us also leave messages we want to respond to in the IN file of our email programs, hoping to get to them when we have time. After a week or so we forget all about them.

One aggressive entrepreneur sends me his sales messages almost every day. When he wrote a personal note to me, I mistook it for his daily ad and didn't open it.

Here's the number one way to break through to email-swamped customers on your third send. Put their name and the words "Why aren't you answering me?" in the subject line.

To keep your note from sounding hostile, make the body of your email less impatient. "I know you're getting an avalanche of email and may have missed the note I sent last month. Here is my original message below. Thanks for your time and I look forward to hearing from you."

The "Why aren't you answering me?" subject line works every time. It can be just the solution when you absolutely must get your message to its intended destination.

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

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Trivia

There were not many significant historical accomplishments during the Millard Fillmore
presidential administration here in the USA. He did, however, negotiate a deal with Peru
over the use of guano - bird droppings.

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Quote of the Day

"The great thing and the hard thing is to stick to things when you have outlived the first interest,
and not yet got the second, which comes with a sort of mastery. "

- Janet Erskine Stuart, Educator
 

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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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I married my wife for her looks...
but not the ones she's been giving me lately!

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The Dollar Stretcher
by Gary Foreman

Reduce Savings to Pay Debts?

Hello Gary,
I retired early from my job of over 30 years and am now receiving a pension.  I have an outstanding car loan with a balance of about $2500.00 at 4.49% interest. I have a Home Equity loan with a balance of $27,000 at 5.95% interest. I received a bonus from work when I retired for unused sick leave that netted me about $9,000. I put it all in an online savings account as a Contingency fund.  I just received notice that it is once again dropping the interest paid on my savings to 1.39%!
 
My goal was to finally have an emergency fund with $10,000 in it.  I am so close, but with the paltry interest being paid is it better to just rid myself of this car loan once and for all with my savings money?  That would leave me with only the home equity loan as debt.  I could then contribute more money each month to accelerate paying that off earlier.  I live a very simple and frugal lifestyle and feel very fortunate to be able to receive a pension in this day and age.  However, I would love to be free of this debt anchor.  Paying the bills and this debt on half pay is proving to be quite a challenge.
Thank you.
Charles

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Charles,
You ask a very good question. And, it's one that a lot of people are asking. With interest rates being so low, does it make sense to leave money in a savings account while you're still paying on debt.

There are really two ways to look at it. The first is from a purely dollars and cents point of view. In that case you'd calculate how much interest you're earning in the savings account. Then you'd calculate how much interest you're paying on the auto loan. And, then compare the two numbers. If you're paying more in interest than you're earning, you'd pay off the loan. Typically that's the case.

The other way to look at it is to look beyond the interest earned and charged. You might consider: do you have additional flexibility by leaving the money in savings? Do you feel more secure knowing that you have money in savings? Is there some other reason that you expect to want the money in savings later?

Or it could be that you feel better knowing that the debt is reduced. Maybe you're afraid that money in savings will disappear in wasteful spending if you leave it sitting there.

Let's look a little closer at Charles' situation. First, the interest earned and charged.

You could do a lot of fancy math, but you can get a pretty good estimate if you make a few simple assumptions before you start calculating.

What's the difference between the two interest rates? In this case it's about 3% (4.49% minus 1.39%). We could complicate this by asking whether they're both APR's. Or even considering whether either is taxable. But, that's not really necessary. We're not shooting for absolute mathematical certainty here. Our goal is to just get an idea of how much money were talking about.

OK, so there's a difference of about 3% between the cost of the car loan and what you're earning at the bank. How does that translate into actual dollars?

The outstanding car loan amount is ($2500). So that's how much we're talking about. But we can't simply figure 3% of $2500. That's because the car loan will decrease as you pay it off. Suppose that it takes 2 years to pay off, that would mean that it would be about 1/2 that amount (or $1250) midway through the loan. Higher at first, and lower later.

So in effect it's like borrowing $1250 for the 2 years. It's not exactly mathematically correct (the loan actually goes down slower at first and the rate of decrease goes up near the end of the loan). But it's close enough for our purposes.

So it will cost Charles 3% of $1250 for 2 years to keep the money in savings. Or about $75 in extra interest (3% X $1250 X 2).

Now Charles has some information to help him make his decision. If the knowledge that you have the money in savings is important to you then it's worth $75 to keep it in savings. But, it's probably not a life/death decision on either side.

One other thing that Charles might want to consider is whether he can earn more on his money at another bank. One we've found that generally pays well is ALLY < http://www.ally.com/savings/online-savings-account/online-savings-account-overview.html?CP=37478437 >.

You can use this same strategy to evaluate repaying almost any loan. Figure out how much money is involved and multiply by the difference in interest rates and the amount of time involved. Then take a look at the other factors to decide what's best for your situation.

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

Your mindset causes you to act, to feel and to think in certain ways.  You change your life when you change your mindset.

- 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 men are so competent, how come you always see signs reading
"DANGER - MEN WORKING" ?

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Copyright - 2009

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