Reverse Mortgages
by Gary Foreman
I am almost 80 years old, a widow, excellent health, no debts, my house is paid off, worth close to $200,000. I live on my social security with a small savings backup, and I manage to make my taxes and maintain a car and live well. My children think I should take out a reverse mortgage and spend the money doing some traveling. Are there any pitfalls in this?
Ending the Paperwork Nightmare
by Maria Gracia
With all of the paperwork flowing into our lives day after day, it's easy for it to get out-of-control. Forms, memos, letters, catalogs, mail, flyers and advertising offers are stacked in our In Box. Leave that In Box untouched for a day, and you've got yourself a paperwork pile. Leave it untouched for a week or more, and you've got yourself a paperwork nightmare! Here are a few simple ideas to help end the nightmare and get all of your paperwork under control...
DebtSmart Email Newsletter: 8/28/02
by DebtSmart Email Newsletter
In This Issue; Cool Quote; Letter from the Publisher; Credit Card Balance Transfers Consumer Spending Quiz DebtSmart® Opportunity Survey Reverse Mortgages No Bills! Complete Office Suite (CD ROM) Get What You Want! Eight Steps to Tackle the Money-Saving Process (Part 2) Ending the Paperwork Nightmare; DebtSmart Resources; Subscribe/Disclaimer Information
Credit Card Balance Transfers
by Scott Bilker
I would like to use a credit card introductory rate to pay off a bank loan. I will need to borrow $13,000.00 credit to pay off the loan. I have heard that if my credit report shows too many credit card company requests within one year that I will be turned down for new credit cards...
What is Better? Fewer Cards with Higher Balances, or Many Cards with Smaller Balances?
by Scott Bilker
My husband and I are preparing to buy a new home. We want to clean up our credit card accounts to better our chances for a mortgage. We were considering paying off our credit cards with smaller balances using other credit cards. What is better when your credit is being considered for a home loan--fewer credit cards with higher balances or more credit cards with smaller balances?
Why Warranties?
by Doris Dobkins
Have you ever wondered why most companies offer extended warranties (service contracts) for the products they sell? Do they already know that something is going to go wrong with your product or do they know everything will be well with it and they are just looking for easy profits?
DebtSmart Email Newsletter: 8/14/02
by DebtSmart Email Newsletter
In This Issue; Cool Statistic Letter from the Publisher; What is Better? Fewer Cards with Higher Balances; or Many Credit Cards with Smaller Balances?; Household Math™: Mortgage Savings Personal Budget Survey Six Keys to Budgeting Success Get Started on the Path to Financial Freedom! Low Overhead Eight Steps to Tackle the Money-Saving Process Why Warranties?; DebtSmart Resources; Subscribe/Disclaimer Information
Low Overhead
by Gary Foreman
When I was a boy one local department store had a jingle that featured the repeated chorus of "low overhead, low overhead". They claimed to offer lower prices because they kept their 'overhead' down. And the same idea applies to our family finances. The lower your 'overhead' is the more...
Eight Steps to Tackle the Money-Saving Process (Part 1)
by Gregory Thomas
Asking the question if you really want to save more money may seem a little absurd, especially since everyone probably wants to increase their savings account and have more money to spend. Less debt and more savings sounds like the best of both worlds, right? The reason I'm asking if you REALLY want to save more money is to...
Six Keys to Budgeting Success
by Nancy Twigg
Although many people cringe when they hear the word "budget," our family budget has come to be one of my best friends. One key to abundant living for us is financial peace--knowing that we are living within our means while setting aside money to...
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