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Backing up email

XP

With outlook express open, select tools ? options from the main menu and then select the "Maintenance" tab and then the box marked "Store folder". Once this opens use, control %2B c to copy the folder location address. Now close all folders. Go to "Start" and select "Run". Now use the Control %2B v keys to paste the folder location into the box.

Vista

With Windows mail open, click tools ? options from the main menu and then select the "Advanced" tab. Now click the box marked "Maintenance" and then the box marked "Store folder". Once this opens use, control %2B c to copy the folder location address. Now close all folders. Go to "Start" and select "Run". Now use the Control %2B v keys to paste the folder location into the box.

XP and Vista

In both cases, a new page will open showing all your mail folders. Select and copy the ones you want to back up and choose the place where you want to store this data. This could be an external drive or perhaps on a CD or DVD. Now click paste to store the data. Note: It is much safer to store any important information whether it is mail or something else somewhere other than on your computer. If do you store it somewhere on your computer and it crashes, you may not be able to retrieve it.

Moving emails to other folders

There are two ways you can do this (Windows and XP)

1. Right click the message you want to move and select "Move to Folder" and click the folder you want to move the email to.

2. A faster way is to click and hold down the mouse button on the message you want to move and still holding the mouse button down, drag the email to the required folder in your folder list. You can also do this to drag an email directly to an external hard drive.

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Whether it’s a mortgage, car loan, student loan, credit card, or medical bills, you probably have some amount of debt in your life. It is only natural that you want to pay it off as soon as possible, but what do you payoff first and how do you plan for investing?

Since the amount you can pay towards these items is predicated by your income level, a decision normally has to be made between investing and paying off your debt.

What should you do? The answer depends on two variables:

1. The rate of after-tax interest you are paying on your debt
2. The after-tax rate of return you expect to earn on your investments

Before you answer the first question, you must understand that there are two different kinds of debt. On one end of the spectrum is high-interest credit card debt that originates from things such as credit cards and department store charge accounts. This type is the deadliest and generally should be avoided unless absolutely necessary.

The second type of debt is the lower interest variety; your mortgage, student loans, etc. Often, the interest on these types is partially or wholly tax-deductible, making it even more attractive.

With that in mind, the answer to the debt reduction vs. investing problem can be solved with this one statement: If you can earn a higher after-tax return on your investments than the after-tax interest rate expense on your debt, you should invest. Otherwise, you should pay off your balance.

Example of Debt Reduction vs. Investing - Calculation

Scenario 1
Assume you have a thirty year, $150,000 mortgage with a six percent rate. Also assume you are in the 25% tax bracket. Due to the itemized deduction of mortgage interest, your after tax annual percentage rate is really 4.02% (not the 6.00% you are paying).

Hence, if you expect to earn an after-tax return higher than 4.02% on your investments (odds are substantial you will if you have a long-term horizon), then you should invest.

Scenario 2
You have a $10,000 balance on a credit card with a 22% annual percentage rate. Credit card interest expense is not tax deductible, meaning you should only invest if you think you can earn a 22% after tax return on your investments.

Given that the historical long-term return on equities has been somewhere around 11-12%, this seems highly unlikely. In this case, it would be foolish to invest.

The Bottom Line

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