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Your Tip of the Day
by Bob Osgoodby

   Today is Wednesday, December 11th, the 345th day of 2002.
               There are 20 days left in the year.
                There are 14 Days until Christmas
               Today is . . . National Noodle Ring Day
    On this date . . . Tampa Bay Buccaneers won their 1st game
                 after 26 straight losses (1977)
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                          In this Issue
** Tip Of The Day - Save Your Work
** Today's Highlight in History - Spare Tires Outlawed
** Food For Thought By Dr. Kevin Nunley - Don't Rush Your
   Marketing
** Technology News - Bonded E-Mail To Limit Spam
** Power Quotes by Kevin Eikenberry
** Grins - American Attorney
** Publications of Interest
** The Dollar Stretcher by Gary Foreman - Enough Life Insurance
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                          Tip of the Day
Save Your Work
Some programs such as "Word for Windows" can be set to
automatically save your work after a specified time. Mine is set
for 10 minutes. That means that every 10 minutes, the program
will save what I have done. If Windows crashes, I'll only lose
what has been done since the last save.
Unfortunately all programs do not have this "auto-save" feature,
and if the system crashes, you will have lost everything you have
done.
It is a good idea, to save your work periodically. That way, if
you do have a crash, you won't lose hours of work. But if you're
like me, you get so wrapped up in what you're doing, you lose
track of time.
Got an egg timer? Why not set it for 10-15 minutes or so, and
when it goes off, it will be a reminder to save what you have
done.
                               Bob
________________________________________________________________

                   Regular naps prevent old age
            especially if you take them while driving.

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                         Today in History
On this date in 1941, Buick lowered its prices to reflect the
absence of spare tires or inner tubes from its new cars.
Widespread shortages caused by World War II had led to many
quotas and laws designed to conserve America's resources. One of
these laws prohibited spare tires on new cars. Rubber, produced
overseas, had become almost impossible to get.
People didn't mind the spare-tire law too much, though. They were
too busy dealing with quotas for gasoline, meat, butter, shoes,
and other essentials.
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               Food for Thought by Dr. Kevin Nunley
Marketing works best when it isn't rushed. The best advertising
media require you to place your order well in advance. Great
designers, writers, and (especially!) TV production firms are
usually booked weeks into the future. As you can quickly see, you
get better quality when you don't rush your marketing.
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                              Trivia
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                         Technology News
Bonded E-Mail To Limit Spam
Instead of blocking unwanted messages, two California-based
companies are offering services aimed at limiting spam by
ensuring delivery of wanted messages, despite increasingly
stringent Internet service provider (ISP) filtering mechanisms.
IronPort offers clients "bonded" e-mail, for which clients attest
that their messages are directed at recipients who want to
receive them. IronPort works with ISPs to ensure delivery of
those messages, but if unwanted mail is delivered, the client is
liable for costs, even if complaints are not proven. Habeas
offers a service, free to private users and licensed to
businesses for up to $5,000 per month for bulk e-mailings, that
embeds Haiku into messages.
The embedded text identifies those messages as valid to the
ISPs who agree to the service. Analysts question whether these
services that guarantee legitimate e-mail and challenge the
future of free e-mail will succeed, and whether they will
adequately address the problem of vast and increasing volumes of
unsolicited e-mail.
________________________________________________________________
                 Power Quotes by Kevin Eikenberry
"Be true to the best you know. This is your high ideal. If you
do your best, you cannot do more."
- Jean Paul Richter, German Novelist
Questions to Ponder
Am I doing my best?
What else is there for me to do today?
Make it a Great Day!
-----
Submitted by Kevin Eikenberry - Creating Daily Insight and
Inspiration. To receive your daily Powerquotes go to
http://powerquotes.net or pq@powerquotes.net?Subject=Subscribe
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                              Grins
American Attorney
-=-=-=-=-=-=-=-=-
An American attorney had just finished a guest lecture at a law
school in Italy when an Italian lawyer approached him and asked,
"Is it true that a person can fall down on a sidewalk in your
country and then sue the landowners for lots of money?"
Told that it was true, the lawyer turned to his partner and
started speaking rapidly in Italian. When they stopped, the
American attorney asked if they wanted to go to America to
practice law.
"No, no," one replied.
"We want to go to America and fall down on sidewalks."
-----
For the first time in many years, a friend of ours traveled from
his rural town to the city to attend a movie.
After buying his ticket he stopped at the concession stand to
purchase some popcorn. Handing the attendant $1.50, my friend
couldn't help but comment, "The last time I came to the movie,
popcorn was only 15 cents."
"Well, sir," the attendant replied with a grin, "You're really
going to enjoy yourself. We have sound now."
-----
Why is it that when you are driving and looking for an address,
you turn down the radio?
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                       The Dollar Stretcher
                         by Gary Foreman
Hi Gary,
How much life insurance should a couple with two small children
have?
Anita H.
While none of us like to think about it, Anita is wise to be
concerned with life insurance. Should either or both parents die
insurance could be vital to her children's well-being.
There are two basic methods Anita can use to decide how much
insurance she needs. One way would be to replace the income of
the deceased. A second method is to buy enough insurance to cover
your expenses.
Your choice will depend on your present financial situation. If
you struggle to pay your bills look at the expense method.
Otherwise replacing the lost income should be sufficient.
There are calculators that will do the numbers crunching for you.
But unless you understand the process, it's hard to know whether
they're giving you a good answer.
Anita doesn't need a perfect answer. To get that would require
seeing into the future. She'd need to know her longevity,
investment return and future inflation rates. She can only
estimate those things. So just try to get reasonably close.
First we'll look at using life insurance to replace income. We'll
assume a family where only one parent works. That way we can do
one illustration when you lose a spouse who draws a paycheck and
another one for the person who works inside the home.
In most cases you'll want to replace all of the income that's
lost when an employed spouse dies. To be more precise you'll only
want to include the after tax pay and make adjustments for
expenses (like a second car) that are incurred earning that inc
ome. Don't forget to add the value of health insurance or other
employee benefits to the income number.
Now Anita has an amount of income that she needs to replace each
year. But life insurance is often paid off in a lump sum. We're
going to assume that she'd invest the life insurance proceeds and
spend the income that it generates.
How can Anita calculate how big a lump sum she'll need to create
a specific annual income? The calculation is simple division.
Take the amount of annual income you want and divide it by the
investment return you'd expect to earn on the lump sum (i.e.
life insurance proceeds).
For instance, if Anita needed $50,000 a year and thought that she
could earn 5% on the money, she'd need a lump sum of $1,000,000
($50,000 divided by .05 = $1,000,000). That $1,000,000 would
provide $50,000 to spend each year without touching her
principle.
The investment return that you use will make a big difference in
the calculation. For instance, if she assumed a 7% return she'd
only need $714,000.
What rate should Anita pick? Probably something between CD's on
the low end and the long-term stock returns (8 to 10%) on the
high end.
It is best to overestimate your needs a little. Yes, you'll be
buying and paying for a little more insurance than you need. But,
if you underestimate you won't realize your mistake until too
late.
If a stay-at-home spouse dies the target is a little harder to
figure. Unless there's someone like a grandparent who could move
in and take over, the survivor will need to pay to have things
done. And that can get expensive. Add up laundry, cleaning,
cooking, day care and a hundred other chores and you have an idea
of what the at-home spouse's "salary" is that needs to be
replaced. Then calculate like you did for employed spouse.
Another way to look at the problem is to have enough insurance to
cover your expenses. The calculation is the same. Just use
expenses instead of income in your calculation.
Insurance companies will often encourage you to buy enough
insurance to pay off your mortgage or other debts. That's nice,
but it's not really necessary.
When you consider how much money you'll need be sure to take
inflation into account. Even a modest 3% inflation rate will cut
the amount your income will buy in half every 24 years. So if you
lose a spouse in your 30's your dollar will lose half it's value
before you retire.
Anita should also consider what would happen if both parents die
while the children are small. Hopefully they have someone who's
agreed to raise their children. If so, the question becomes how
much is needed to allow the children's guardians to house the
children (bedroom addition? a bigger home?) plus the extra
expense of feeding, clothing and schooling the children.
One final thought. Anita will also want to make sure that the
insurance policy is set up properly. Choosing the correct owner
and beneficiary can have important consequences.
-----
Gary Foreman has worked as a Certified Financial Planner and
currently edits The Dollar Stretcher website www.stretcher.com
You'll find hundreds of free articles to help you save time and
money. Visit Today!
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That's it for now
Best Wishes
Bob Osgoodby - bob@adv-marketing.com
http://www.adv-marketing.com
Copyright - 2002

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