Break Through the Mold and Protect Your Rights!
by Craig Kimmel
Dear Craig, Now that the winter is here and I've had to turn on my heater, I've been smelling a strange musty smell coming from my vents. Is this normal or is there cause for concern? My girlfriend thinks I should take it in for service but I don't think that it's serious. Your thoughts?
Giving and Receiving
by Michael Angier
Wherever we're experiencing lack, we must look for what we have failed to give. If you want more of something in your life, you need to give more of what you want. Think about the people you respect and admire. Aren't they the ones who have...
6 Keys To Respecting Your Time
by Maria Gracia
Are you the type of person that always says YES to every demand on your time? Can you watch my kids? You're so good at sewing; can you help me make a party costume for my daughter? Since you're already working on the computer, would you mind typing me a letter? There is certainly no shortage of people looking for volunteers. But the truth is that you can only do so much, before getting stressed and exhausted.
Household Math™: Cheaper Gas vs. Savings
by Scott Bilker
Jenny lives 30 miles from where she works. Her car gets 22 miles per gallon. Jenny works 5 days a week, every week in the year--no holidays or vacations; that hurts! Last year she added up how much she spent totally for gas which equaled $885.65. She likes to get gas at the closest gas station for convenience but this comes at a cost of 5 cents more per gallon. If she bought all her gas for the year at the lower-priced gas station, how much would she save in one year?
DebtSmart Email Newsletter: 12/18/02
by DebtSmart Email Newsletter
In This Issue; Cool Quote; Letter from the Publisher; Holiday Special Drowning in Debt; Household Math™: Cheaper Gas vs. Full-Service; Survey: More Money for the Holidays Giving and Receiving Break Through the Mold and Protect Your Rights! Just Say "No" To Spending Pressure 6 Keys To Respecting Your Time; DebtSmart Resources; Subscribe/Disclaimer Information
Scrooge's Christmas List
by Gary Foreman
Cratchit, take your Christmas grab bag and be gone. Out, I tell you, or you'll be seeking new employment! That scene wasn't included in Charles Dickens' "A Christmas Carol" but I can easily picture crotchety old Scrooge taking Bob Cratchit to task for attempting to include him in an office holiday gift exchange. Scrooge certainly is the symbol of...
Household Math™: House Painting
by Scott Bilker
Dave and Jennifer just got married. They each have a little debt from student loans and decide to earn extra money on the weekends by painting. If it takes Dave 15 hours to paint a house, and it takes Jennifer 10 hours to paint the same house, how long will it take if they both worked on it together?
Three GREAT Holiday Gift Ideas
by Doris Dobkins
It's not too early to start thinking of the holidays. They will be here before you know it and if you don't plan ahead, you could find yourself overspending, stressed out and even getting into debt. So read on, and consider one of the following three options for those on your holiday list this year...
DebtSmart Email Newsletter: 12/4/02
by DebtSmart Email Newsletter
In This Issue; Cool Quote; Letter from the Publisher; Amortized Loans; Household Math™: Painting a House 5 Ways to Avoid Holiday Debt Holiday Special! Three Great Holiday Gift Ideas Scrooge's Christmas List Holiday Gift Giving Ideas to Save You Money; DebtSmart Resources; Subscribe/Disclaimer Information
Amortized Loans
by Scott Bilker
I would like to know what the formula is for an amortized loan. How exactly do they calculate each payment? I suspect that all the interest for the loan term (i.e., 30 years, 15 years, etc.) is loaded up front in some way, but I would like to know exactly HOW? I want to teach my teenagers about this. I think it's very important for everyone to know.
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