DebtSmart Email Newsletter: 5/28/08
by DebtSmart Email Newsletter
Cool Quote; Switching heads and bodies; Auto Insurance on the Rise; SURVEY: Envelope Budgeting System; Secret History of Credit Cards; 10 Simple Things You Can Do To Save Money; "Good Book--five stars"; Car dealers make cash regardless of the deal; Household Math™: Coupons and Sandwiches; ID-protection ads come back to bite pitchman; Simple Strategies to Eliminating Debt; Best Places to Find Free Software; The 15-Minute Tip: Avoiding Bank-Fee Surprises
Getting Rid of Annual Fees
by Scott Bilker
I'd like to get rid of the annual fee, so I tried calling them and asked them to waive it. I used your technique and said that I would cancel it if they did not, and they didn't budge. What do you think? Should I keep the card and pay the $60 per year? Should I cancel the card completely because I don't technically need it? Or should I ask them to give me a new card with no annual fee, which would retain the 28K in available credit, but which would remove my 18 year relationship with that account?
DebtSmart Email Newsletter: 5/14/08
by DebtSmart Email Newsletter
Cool Quote; Getting Rid of Annual Fees; Statistic: Mortgage Crisis Will Leave Many Children Homeless; Tips for saving money on gasoline; Amazon Kindle; Motivational Comments; Government launches crackdown on unfair credit cards; “Good Book--five stars”; Federal Auctions; Household Math: Future Savings; Stop Pumping Gas: Ten Hot Home Office Jobs; Cloned credit cards are stealing you; Why Consumers Should Cheer if the Fed Stops Cutting Rates; Zombie debt is hard to kill
Government launches crackdown on unfair credit cards
by Federal Reserve
The Federal Reserve Board proposed rules to prohibit unfair practices regarding credit cards and overdraft services that would, among other provisions, protect consumers from unexpected increases in the rate charged on pre-existing credit card balances. The rules also would forbid banks from imposing interest charges using the two-cycle billing method, would require that consumers receive a reasonable amount of time to make their credit card payments, and would prohibit the use of payment allocation methods that unfairly maximize interest charges.
Cloned credit cards are stealing you
by ABC News
Crooks can easily copy the information from the magnetic strip of your credit card. It is a simple process to take that stolen data and create another credit card--a clone card. The cloned card functions exactly like the original card allowing thieves to buy what they want or empty your bank account. Watch this ABC news video to see exactly how easy this is to do and why you need to be extremely careful when letting others handle your cards.
DebtSmart Email Newsletter: 4/30/08
by DebtSmart Email Newsletter
Letter from the Publisher; Cool Quote; What is Better? Fewer Cards with Higher Balances, or Many Cards with Smaller Balances?; Debtors Save More; Cameron Johnson; TIP: Labeling Your Credit Cards; Motivational Comments; Feeding a Family for $300 a month?; “Outraged and discouraged, I came across your website...”; 10 Great Careers You've Probably Never Heard Of; Household Math™: Cash Flow; Get Stuff for Free; What to Know Before You File For Bankruptcy; Negotiate Your Hospital Bill; Top 10 Least Expensive Vehicles to Own
Feeding a Family for $300 a month?
by Tawara Kellam
I do something that most people think they can't do today. I feed my family of 5 for $300 a month. Most people say that's an impossible feat, but what boggles minds even more is that I do it without using coupons. How do I do it? First, I use what I have. If I don't have milk in the house, I don't make a special trip to the store for it.
What to Know Before You File For Bankruptcy
by Becky Schmitz
You may feel you don’t have any other options. Maybe you owe several people money, your credit is maxed out, and you are falling deeper into debt so you start to explore filing for bankruptcy. You thought you never would, but you’ve heard about it, maybe even someone you know has done it and the question you want to know is when should you?
DebtSmart Email Newsletter: 4/16/08
by DebtSmart Email Newsletter
Letter from the Publisher; Cool Quote; New Reader Comments; MORE: Lower Interest Rate Success; Another DebtSmart Reader consumer tip; Balance transfer checks; Family Fights Bank to Keep Home; Had I not asked to speak to a supervisor I would have hung-up, defeated; Household Math: Early Mortgage Payoff; STATISTIC: Comfort Level; Instant Grati Syndrome
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