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Free Content Library |
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Jenni the Bill Collector (1,009 Words)
by Scott Bilker
I am a bill collector. What a lot of people forget is that what we do is our job. We do not come to your office and cuss you out because you wanted an 8:00 meeting. Under the FDCPA (Fair Debt Collection Practices Act) we are legally allowed to call from 8:00 am until 9:00 pm your local time.
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Penalty Rates (738 Words)
by Scott Bilker
Scott, My interest was raised to 28% after "a few" (honestly) late payments. They told me they would review my info in 6 months. Do you think I have a chance of getting them to lower my rate? --Paula
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Credit card balance transfers (481 Words)
by Scott Bilker
Scott, A friend told me that they heard that continually doing balance transfers from one credit card to another can negatively affect my credit rating and that they also heard that there is a limit to how many balance transfers. --Amy
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Debt Daredevil (924 Words)
by Scott Bilker
Scott, I am new to your web site and find your tips informative. I am however, interested in your opinion of other financial wizards and their money management tactics, such as Suze Orman. She seems to be very conservative in her methods and you seem to be more on the risky side. How would you rate your methods in comparison to theirs? --Sherry
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Weekly or monthly payments? (419 Words)
by Scott Bilker
Scott, I have a $6,500 signature loan @ 13.5% APR with my credit union. A friend of mine said I should divide my payment over four weeks. Do I save more to pay a lump sum at the beginning of each month; or does it benefit me to pay equal weekly installments?--Brian
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10 financial questions you should ask yourself today! (327 Words)
by Scott Bilker
To quote the very well know motivational speaker, Anthony Robbins, "Questions are the answer." What exactly does he mean? Tony believes, as do I, that you have the ability to find the answer to any question. They key is to ask the right questions.
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10 Credit Myths (613 Words)
by Scott Bilker
As they say, "Knowledge is power." Many times people either act on false information or fail to act because they didn't know what could be done to their benefit. This is the case in many areas in life, but on the top of that list is money. And in the money category you will find lots of misinformation about credit. There is so much to talk about on the topic of credit myth that an entire book could be dedicated to it.
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Advanced Cash-Advance Techniques (562 Words)
by Scott Bilker
I have a 0% interest card and plenty of balance so it seems like a good idea. Problem is the seller is a private party. Obviously I can't use a convenience check or a cash advance or I'll blow the interest strategy. Is there a way to pay a private party so that it appears as a purchase on the card and not an advance? I have checked out PayPal but I'm not sure the seller is Internet active.
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Tricky Insurance Pays Off (405 Words)
by Scott Bilker
I found out after renewing a credit card that I had been paying for insurance that I wasn't aware of. This insurance would pay benefits in case I died or became disabled. I had the card since 1997 and became disabled in 1998 (Parkinson's). I called a credit card rep and she advised me to put in a claim. She also stated if there were any other balances to transfer I could transfer them and clear them up also.
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How Do You Want To Live? (450 Words)
by Scott Bilker
People always ask kids, "What do you want to do/be when you grow up?" I'm sure you remember the question well. A fireman, policeman, scientist, doctor, social worker, teacher, superhero, etc. The truth is that people have many interests and talents. Someone may be just as happy being a lawyer as a teacher. That's why I believe the better question to ask is "How do you want to live?" Do you want...
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