ATTENTION newspaper editors, website owners, and fellow ezine
publishers. I've developed a new method to deploy the DebtSmart Columns and
articles. They are available for you to use for FREE on your website, in your
ezines, and in print. Click here
to sign up right now!
Well, I guess you can tell that it was time for a new photo. My wife
insisted I get new frames to diminish the George Costanza-look I had with the old glasses. Hope you like it!
Click here
to listen online to my latest interview with Gerri Detweiler on her wsRadio
Show, EveryDay Wealth. We talk about my article, 10 reasons to hate
your credit card bank, negotiating with banks, and more. Gerri is not only a
great host, she's also an accomplished author, consumer advocate, and wonderful
person who truly wants to help people understand money!
My wife and I have a lot of credit cards. WE would like to cut them up so we
don't use them. Should we notify the company's first to cancel them? We are
having trouble paying them. Thanks for your help.
"We managed to get $34,000 of debt relieved by using your
techniques."
"Scott,
I just had to thank you. I'm still not sure how we ended up with $129,000
worth of credit card debt. Yep that's right, $129,000! We don't have a boat. We
don't have cars. We haven't been around the world. We did have four cards with
over 24% interest with massive balances and after my husband was unemployed for
8 months I slowly started unfolding what a financial mess we were in. (Still are
to be truthful.) BUT, I saw your book, "Talk Your Way Out of Credit Card
Debt" and bought it. What an investment! We managed to get $34,000 of debt
relieved by using your techniques. Okay, with still many thousands hanging
around our necks the road ahead is not an easy one, but you started us on the
road to recovery. It was the best $19.95 I've spent in my entire life!
Thanks!"
--Sara V. Olds, UT
Household Math™: True Rate of Transfer Offer
by Scott Bilker
You're offered a balance transfer from one of
your current credit lines. The offer is for 4.99% fixed with a one-time 4%
transfer fee. You transfer $5,000 and pay $100 per month until the loan is
repaid. What is the true APR for this loan when you include all interest rate
charges and fees?
Featured Credit Cards Can Save You Money Now!
by Scott Bilker
Your
best defense against any one bank is to have credit options--to be able to
transfer your balance to a lower rate. That's your only real power against high
fees. That's how to be DebtSmart®! Make the banks fight for your business! Be
sure to add this web page to your favorites list so you can keep applying for
new credit when you need it. Which credit card is right for you? Select from the
list below and apply online right now!
How to save money on your phone service within minutes!
by Scott Bilker
For a limited time, I'm going to throw in a free
download of my DebtSmart Loan Calculator ($9.95 value) when you sign up for
this prepaid phone service. Both the calculator and the phone service are
worthwhile or they wouldn't be here. I personally wrote the calculator software
and stand behind it.
I always use everything I recommend to make sure that it's good! Ready for
this...their claims are 100% true! Great service! Great price! I signed up for
$25 and got the free minutes. So the total time I received was 1,578 minutes!
That's 1.58 cents per minute!
The online reporting was instant and accurate! This is all I'm going to be
using for a while. If you let them know what numbers you're calling from, and call
their local access number, you get the lowest rate and you only have to enter
the PIN to make the call. It's easy to use, cheap as can be, clean connection,
organized online, and simple. Works just like you would want and expect!
My phone service is getting me for 10 cents per minute for in-state calling
and 7 cents per minute for long distance! What a rip! I can't believe I've been
overlooking this big potential savings. I'm going to easily cut my phone bill by
two-thirds! I figure that I'll save $1,000 per year with this new service.
Why is it a different price for the quoted loan
interest rate, my mortgage company Quicken Loans, quoted me 6.55 on a second.
Then when I get the papers to sign, the APR fair credit paper states 7.1 for the
interest rate. Is the mortgage company trying to be dishonest and not really
give me the rate quoted? I don't understand; please help me. Thank you!
Helping you with your debt is very important to me personally! If you've been
reading my articles, you know that I always encourage self-help as a first step.
However, being buried in debt can be very overwhelming, which is why you may
want to explore other options.
One of those options is professional, ongoing help with credit counselors.
I've started to personally check out certain companies so I can recommend the
ones that are worth considering!
If you would like to speak with a representative from a...
We have been upgrading our fixer upper and are
interested in continuing the process. Problem is, our 2nd mortgage is a LOC and
the APR is drowning us! We want to pay off the LOC and our credit card debt and
have some cash to invest in renovations.
We are a single income family and as far as debt
to income ratio is concerned, we're not looking so good. We are hopeful our
"sweat equity" will be sufficient to borrow against. I am not so keen
on this approach but my husband is in the building trade and feels our only way
is up as far as property value is concerned. What to do?
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 to 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 only. You must always seek the proper professional advice before
taking any financial or legal action. You have been warned.
Subscribe FREE and start
finding new ways to save
money and pay off your debt.
"The DebtSmart Email
Newsletter is packed with
cutting-edge strategies for
solving credit problems. I
highly recommend it."--Gerri
Detweiler, radio host and
author of The
Ultimate Credit Handbook
