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Email Newsletter 7/3/02
DEBTSMART® EMAIL NEWSLETTER
ISSN 1538-6740
July 3, 2002 Issue 29
Tools for financial success!
A Free E-Mail Newsletter from DebtSmart® Online and Press One
Publishing.
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Publisher: Scott Bilker, mailto:publisher@debtsmart.com
Editor: Richard Crammer, mailto:editor@debtsmart.com
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For instructions to SUBSCRIBE, and
DISCLAIMER, see bottom of this email.
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IN THIS ISSUE
==> Cool Statistic
==> Letter from the Publisher
==> Providian Raised My APR to
29.99%
==> Household Math™: Pool House
Rock
==> Survey: Can Money Buy
Happiness?
==> Lemon Car Making Your Life
Sour?
==> Bank One's New Low Rate Card
==> The DebtSmart® Low-Interest
Special Report
==> How Much House?
==> Cut Expenses by 20%
==> Making Frugality a Family
Affair
==> DebtSmart® Resources
==> Subscribe/Disclaimer
Information
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PLEASE FORWARD THIS ISSUE
If you haven't already done so,
please forward this issue to one or two of your friends or business
associates.
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COOL STATISTIC
"Total amount of outstanding
consumer credit in April 2002 was nearly 1.7 trillion
dollars!"
--Federal Reserve
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LETTER FROM THE PUBLISHER
by Scott Bilker
Hi,
I'm really surprised that only one
person completed the survey for last issues article about Financial
Compatibility! However, the Household Math™ problem was VERY
popular. In fact, it was the most popular from last issue!
I hope you're enjoying the summer!
It's been quite nice here in NJ. Very hot but the pool makes it
tolerable.
I tell ya, the pool takes a lot of
work to run and is costly as well, but since the kids are in there
all the time it makes it worthwhile. This week's Household Math™
question has to do with the cost of operating a pool.
Talk to you later.
Enjoy!
Scott PS: Can money buy happiness?
Please let me know in this issue's survey. PPS: Click below to see
result from last week's survey about financial compatibility:
http://www.debtsmart.com/cgi-pl/go/020703_en.cgi?13&7428
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PROVIDIAN RAISED MY APR TO
29.99%
by Scott Bilker
Scott, I was shocked to learn my
Providian credit card raised my APR from 23.99 to 29.99. I've never
missed a payment or been late. I called to find out why and the rep
told me they mailed out a notice of change in terms. I said I never
received the notice. They basically said too bad, but we can mail
you out another one. I was so angry I closed my account. I waited
for the promised re- mail of the notice. It never came. I called
again, this time...
Click below to read the article:
http://www.debtsmart.com/cgi-pl/go/020703_en.cgi?04&7428
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HOUSEHOLD MATH™: POOL HOUSE ROCK
Summer is here and you've got the
pool going. After reviewing your records from last year you figure
that it cost $25 per week for chemicals, $80 per month for
electricity, and $70 in replacement parts to operate the pool for
the entire season. The swimming season lasts about 100 days. The
good news is that the pool gets plenty of use, mostly from your
three children but now there's another option. A swimming club has
just opened right around the corner and the cost is $50 per month
per person. Considering the known costs, is it less expensive to
sign the kids up for the swimming club or use the pool?
Click below link to take the test:
http://www.debtsmart.com/cgi-pl/go/020703_en.cgi?05&7428
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SURVEY: CAN MONEY BUY HAPPINESS?
You hear it all the time, "Money
can't buy happiness," but I'm not convinced. I know a family
that won $1 million in the lottery. They were unhappy and cranky
prior to winning. After they won, they looked 10 years younger and
were much happier and nicer.
I wonder what you think. Please let
everyone know your feelings by taking this issue's survey.
Click below to take the survey:
http://www.debtsmart.com/cgi-pl/go/020703_en.cgi?06&7428
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LEMON CAR MAKING YOUR LIFE
SOUR?
by Craig Thor Kimmel, Esq.
Craig, One month old car is in the
shop for more than 30 days does it qualify as a lemon?
--Jade
In most states, the answer to Jade's
question is a resounding yes. If you have a car that's less than one
year old and it has been in the shop for more than 30 days, chances
are you have a lemon. Also, if a car has a...
Click below to read the article:
http://www.debtsmart.com/cgi-pl/go/020703_en.cgi?07&7428
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BANK ONE'S NEW LOW RATE CARD
A 7.74% Interest Rate, one of the
lowest in the nation! Get the Bank One Platinum Visa Card, with an
APR of Prime plus 2.99% with no annual fee.Save now and Later, with
a great rate that starts low and stays there.
Click below to apply, it only takes a
few minutes to save a bundle.
http://www.debtsmart.com/cgi-pl/go/020703_en.cgi?11&7428
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THE DEBTSMART® LOW-INTEREST SPECIAL
REPORT
The key to saving money on your debt
is keeping your interest rates as low as possible. Detailed report
of banks offering low interest rates. Transfer your balances to
lower rates and save thousands of dollars! Save time locating these
special offers by purchasing this concise report!
Click below to order:
http://www.debtsmart.com/cgi-pl/go/020703_en.cgi?12&7428
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HOW MUCH HOUSE?
by Gary Foreman
Hi Gary, Considering the cost of
homes these days, what is a reasonable percentage of a person's
salary that should be used for a mortgage payment? And does this
percentage include everything needed to run that home (utilities,
water, phone, etc.)?
--Margie
Good question! And with the current
median selling price of a house being over...
Click below to read article:
http://www.debtsmart.com/cgi-pl/go/020703_en.cgi?08&7428
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CUT EXPENSES BY 20%
by Terry Rigg
If you are like most of us you have
areas in your budget that could be trimmed by at least 20%. What
about your grocery bill? Unless you are using every cost-cutting
method available, then you could even beat that 20% on your food
bill.
Each area of your expenses has room
to be trimmed. Let's just briefly discuss a few...
Click below to read article:
http://www.debtsmart.com/cgi-pl/go/020703_en.cgi?09&7428
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MAKING FRUGALITY A FAMILY
AFFAIR
by Nancy Twigg
Does it ever seem that no matter how
hard you try to save for the future, all your kids want to do is
spend, spend, spend? Shopping at the malls, dinners at McDonald's,
birthday parties at the arcade. None of these expenditures seem very
large, but put them all together and the dollars add up fast. Before
you know it, the month is gone, and so is the money you intended to
save. Does this sound familiar? If living and spending more frugally
is...
Click below to read article:
http://www.debtsmart.com/cgi-pl/go/020703_en.cgi?10&7428
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DEBTSMART® RESOURCES
DebtSmart® Books, software, reports,
in-print and downloads:
http://www.debtsmart.com/cgi-pl/go/020703_en.cgi?01&7428
Archive of DebtSmart® Email
Newsletters online:
http://www.debtsmart.com/cgi-pl/go/020703_en.cgi?02&7428
How to use DebtSmart® articles FREE
in your ezine or on your web site:
http://www.debtsmart.com/cgi-pl/go/020703_en.cgi?03&7428
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HOW TO SUBSCRIBE TO THIS NEWSLETTER
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http://www.debtsmart.com/cgi-pl/go/020703_en.cgi?00&7428
Please contact mailto:comments@debtsmart.com
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The author(s), Press One Publishing,
and DebtSmart.com shall have neither liability nor responsibility to
any person or entity with respect to any loss or damage caused, or
alleged to be caused, directly or indirectly by the information
contained in this email newsletter and/or at the DebtSmart.com web
site. The information, methods and techniques described may not work
for you and no recommendation is made to follow the same course of
action. Every effort has been made verify the accuracy of all
content contained herein. However, there may be mistakes;
typographical, mathematical or in content. This email newsletter and
the DebtSmart.com web site have been created for your entertainment
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Copyright © 2002 Press One
Publishing. All rights reserved. Please do not reprint, or host on
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Thank you.
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