Your Tip of the Day
by Bob Osgoodby
Today is
It is 223 days since the first of the Year
There are 140 days left in the Year, and
There are 133 Days Until Christmas
Live
well -- Laugh often -- Love much.
Today is . . . .
Damn the Torpedoes and Full Speed Ahead Day
On this date . . . Statue of Liberty Cornerstone laid (1884)
We are a Charter Member of iCop The International Council of Online Professionals http://i-cop.org/cgi-bin/mem/jl.pl?1032
We value every subscriber and respect your privacy.
Our subscriber list is NOT made available to anyone for any reason.
In this Issue
** Tip Of The Day – File Association
** Something to Think About by Jan Tincher
– Do you feel something is
wrong?
** Food For Thought by Dr. Kevin Nunley - Do Something Nice
** Quote of the Day
** A Little Levity – Age Test
** The Dollar Stretcher by Gary Foreman – 401k Layoff
Trap
** Stress Matters
================================================================================
Welcome
If you have a favorite "Tip" that would be of interest to our subscribers or an article that would be of interest, please send it to: articles@adv-marketing.com - We currently have 60,000+ subscribers who receive the "Tip of the Day" which is published every Monday, Wednesday and Friday each week.
We check all ads to ensure that they are not illegal offers. You, however should exercise “due diligence” before responding to any advertisement.
To place a free ad on our website for your business,
click on the link below, and you will be sent all the information you need.
freead@adv-marketing.com?subject=FreeAd
Subscribe and Unsubscribe directions are at the end of
this publication.
To place an ad in this or any of our other publications,
go to: http://adv-marketing.com - we accept Credit Cards and Online Checks -
all "Tips" are archived at our web site at:
http://adv-marketing.com/business/tod.htm
================================================================================
Tip of the Day
File Association
If your JPEGs open up in your web browser, but you want them to open in a photo program, there is an easy way to fix this.
1. Open Explorer (right-click the Start button and select
Explore) and head to a file you would like to either associate with another
program or get associated with a program for the first time.
2. Once you get to the file, hold down your SHIFT key and
right-click it. You will be presented with a menu that gives you an option to Open With.... Select that.
If you're using XP, you may not even need to hold down
the shift key to get this to work. XP usually give you an Open with item on the
right-click menu with a sub-menu full of options. If you want to change the
association, you'll need to select the Choose Program option. “XP Open With
picture”
3. This will open up a screen where you can tell Windows what program to open that particular file with. Choose the program and make sure the little "Always use this program to open this type of file" checkbox is checked. Hit OK.
That should do it. Windows will now use the new file association when opening the file you just worked with.
Bob
================================================================================
Advertising is JUST GOOD BUSINESS!
Publish your ad in the Tip of the Day Newsletter and get
your
message out to over 60 thousand
people.!
Newsletters are permanently archived at:
http://www.adv-marketing.com/business/tod.htm -
so your ad is on the web even
after your ad has expired in the text version of
the Newsletter. What a great way
to build link popularity for your business.
================================================================================
Something to Think About by Jan Tincher
If you feel someone is wrong, and your adrenaline starts
pumping, what should you do?
Instead of jumping up and down and yelling foul, why not
sit back and ask, *Why do you say that?*
Oops, they dig themselves in deeper, saying something
wrong in response. Instead of getting all pumped up again, why not ask, *Would you mind being specific about that?*
If you do this instead of trying to prove him or her
wrong, it makes them prove themselves or discredit themselves. You are putting
the burden of proof squarely where it belongs -- on their shoulders, not yours.
If you keep this in mind, you prevent yourself from the possibility of making a
fool of yourself.
And isn't that interesting?
Here is an article that may help:
Action . . . Or Reaction?
You will find it here:
Http://www.tameyourbrain.com/action_reaction.htm
================================================================================
Stupid Quotes
"From the waist down, Earl Campbell has the biggest
legs I've
ever seen on a running
back."
- John Madden
================================================================================
Food for Thought by Kevin Nunley
Do Something Nice
Nothing promotes your business like good word of mouth. When someone has a good experience with your company and tells other people about it, their word of mouth is the most powerful form of advertising known.
A friend or associate telling you a product or service is good is vastly more effective than even the most expensive network TV commercial. We believe what friends tells us and often act on their advice.
I don't have any scientific proof that this is true, but I strongly suspect that doing something nice for someone is a major source of good word of mouth.
Make a point of doing something nice for a customer or prospect every day. This is especially rewarding when that person is someone who emailed you, sent you a letter, called you, or visited your store. These "active" people are the same ones who will take time to tell others about their experience.
In recent years when businesses have been cutting back and making employees work longer hours, random acts of kindness may be getting harder to find.
-----
"See Kevin's 10,000 free marketing tips at
http://drnunley.com"
================================================================================
Trivia
Russians are some of the world's heaviest drinkers and
demographers often cite high
alcohol consumption as a factor in
the low life expectancy of
Russian men.
================================================================================
Quote of the Day
"Never go to bed mad. Stay up and fight."
- Phyllis Diller
================================================================================
Win More
Customers
23 Easy Ways to Win More Customers in Just 30 Days
Yours Free... 41-page book, The
Tightwad Advertiser s Guide to Tiny Ads that SELL! Discover 23 dynamic ad
techniques that can bring you new customers like crazy. Get your free copy now
at www.WinningAdStrategies.com
11/12
================================================================================
Grins
Age test
=-=-=-=-=-
This was developed as an age test by an R&D
department at
The average person over 40 years of age can't do it!
1. This is this cat
2. This is is cat
3. This is how cat
4. This is to cat
5. This is keep cat
6. This is an cat
7. This is old cat
8. This is fart cat
9. This is busy cat
10. This is for cat
11. This is forty cat
12. This is seconds cat
Now go back and read aloud the third word in each line from the top down and I betcha you can't resist passing it on.
-----
A small two-seater Cessna 152 plane crashed into a
cemetery early this afternoon in central
Polish search and rescue workers have recovered 300
bodies so far and expect that number to climb as digging continues into the
evening.
-----
Courtroom Q & A
Q: All your responses to the questions must be oral. Do
you understand?
A: Yes
Q: What school did you attend in the fall of 1995?
A: Oral.
Q: What is your relationship with the plaintiff?
A: She is my daughter.
Q: Was she your daughter on
Q: Doctor, how many autopsies have you performed on dead
people?
A: All my autopsies are on dead people.
-----
A medical doctor, an engineer and a lawyer all went into shark-infested waters when their boat capsized. The sharks tore the doctor and the engineer limb from limb and ate them all up. They left the lawyer alone.
Why?
Professional courtesy.
-----
If you are sending someone Styrofoam, what do you pack it
in?
================================================================================
The Dollar Stretcher
by Gary Foreman
401k Layoff Trap
I was surprised at the "Borrow from your 401k"
suggestion. While it's true that it's better than cashing out, so many people
are being laid off unexpectedly. When this happens, it must all be paid back or
considered a cash-out, which comes at a time when people are least able to
repay because they just lost their job. It should at least have been mentioned
as a consideration.
Deborah in
Deborah makes a very interesting point. She's referring
to an article entitled Need Cash that discusses 10 ways to raise cash quickly
if you're in a jam.
How widespread is the problem? It's hard to find many statistics on 401k loans. But a Harvard report cites two statistics that point to trouble. The vast majority of plans allow for borrowing (over 85% in 2005, Investment Company Institute, 2006). And they also report that 18% of 401(k) participants had a 401(k) loan in 2006.
We can't know for sure, but it's probably not an unreasonable guess that about one in five or six people who are laid off will have a 401k loan outstanding when they get the pink slip.
And, that's when Deborah's problem comes in. As a general rule, if you leave your employer, you need to repay the 401k loan in full. You may be given a month or so, but that's it.
Any amounts that you fail to repay are treated like a withdrawal. That means that you add the amount of the loan to your income and you'll pay normal income taxes on it. Plus, you'll be liable for a penalty that equals 10% of the unpaid loan.
What can you do about it? First, if you have a 401k loan and think that you could lose your job, you need to take it seriously. Begin by estimating how much the taxes and penalties would cost you if you didn't repay part or all of the loan. It'll be bad. But since your income will be lower than previous years (because of the layoff), your tax rate should drop (that assumes no tax rate hikes).
In any event, you need to have some idea of how much the penalties and taxes are. You'll want to compare
that to the cost of other alternatives.
There are a couple of withdrawal exceptions that might help in a layoff situation:
* You were age 55 or over and you retired or left your
job
* You paid for medical expenses exceeding 7.5% of your adjusted gross income
What if you don't fit into one of those categories? Your options are limited, but you still have some choices to make.
Now might be the time to consider selling a car. Your ride needs to be worth more than any loans on it. Any cash you raise could help pay off the 401k loan. If you're not working, transportation won't be such a big issue. You can always buy another car when you're employed again.
Do you have a homeowner's line of credit or enough equity to refinance your home? That could provide some money to repay the 401k loan. Refinancing will be easier before you lose your job. So you might want to consider this if you expect to be laid off.
Using your credit card to pay off the 401k loan is a high-risk strategy. You'll probably pay a higher interest rate. And, you'll also need to keep making payments even if your income has dried up. Plus, you'll be consuming part of your credit line that you may need later.
The only advantage to shifting the debt to a credit card is that you avoid the tax problems of a 401k withdrawal. But it's wise to compare the numbers before you make a decision.
The unfortunate fact is that most 401k loans were promoted as an painless way to "borrow from yourself." Turns out that's not so true if times get tough.
-----
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!
================================================================================
Stress Matters
Focus on your happiness, your goodness and well-being, to
maximize the potential of any situation, by staying in the moment and on your
life's purpose. - Dr. Rae
~ Need help with this "Weekly StressTip"?
Invest in yourself, contact The Baum Group at
www.YourStressMatters.com/contactus.htm ~
================================================================================
WARNING: The consumption of alcohol is a major factor
in dancing like an idiot.
================================================================================
Sign up Instructions
If you have a friend who would like to receive this
Newsletter have them visit our web site and sign up at:
http://adv-marketing.com/business/subscribe2.htm
Say You Don’t Wish to Receive This Notification?
Follow These Steps and You Will Be Removed
This is being sent to !*EMAIL*!
We only to people who have registered
on our website. If you don't wish to receive the "Tip of the
Day" Newsletter in the future, click on the link below and send us an
email.
mailto:bob@adv-marketing.com?subject=TipofDay
Please ensure that TipofDay is
in the SUBJECT line of the email you send. Don’t put anything else -
including words, spaces or dashes in the subject line.
IMPORTANT: To assure removal “Copy and Paste”
TipofDay AND
!*EMAIL*!
and include that in the BODY of the e-mail.
You will be immediately removed. We cannot however, remove you if we do not receive the proper e-mail address and the name of the publication you are receiving.
Best Wishes
Bob
Copyright - 2009