DEBTSMART EMAIL NEWSLETTER
ISSN 1538-6740
February 13, 2002 Issue 19

Tools for financial success!
A Free E-Mail Newsletter from DebtSmart Online and Press One Publishing.

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Publisher: Scott Bilker, mailto:publisher@debtsmart.com
Editor: Richard Crammer, mailto:editor@debtsmart.com 

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For instructions to SUBSCRIBE, and DISCLAIMER, see bottom of this email.

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IN THIS ISSUE

 ==> Cool Quotes

 ==> Letter from the Publisher

 ==> Chase Bank Tries To Pull a Fast One

 ==> Payday Loans = Costly Cash

 ==> Survey: Response to Chase Bank Article

 ==> Debt Makeover

 ==> The Playing Field Has Been Leveled--and It's Time For You To Play

 ==> Have You Freebied Today?

 ==> Immediate Access To Your Credit Score

 ==> Enron Lessons For The Little Guy

 ==> How to Get Your Children "Brand Free"

 ==> DebtSmart Resources

 ==> Subscribe/Disclaimer Information

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PLEASE FORWARD THIS ISSUE

If you haven't already done so, please forward this issue to one or two of your friends or business associates.

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COOL QUOTES

"A bank is a place where they lend you an umbrella in fair weather and ask for it back when it begins to rain."

Robert Frost

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LETTER FROM THE PUBLISHER
by Scott Bilker

I hope this email newsletter finds you in good health and moving toward a successful financial future!

I spent some time this week arguing with Chase Bank representatives about how their credit offers are deceptive. If you're going to use a credit offer, or have used one recently, then I STRONGLY recommend reading this email newsletter's feature article, "Chase Bank Tries To Pull A Fast One."

Tomorrow is Valentine's Day. I still haven't decided what to get for my wife, but I'm sure it will come to me within 24 hours. You know I'm going to use my credit card to buy that gift and I'm going to use a card (bank) that has been treating me well.

I would like to suggest that, if you're going to using your credit cards soon, keep in mind the cards that have been good to you and use them. Conversely, stop using the ones that are treating you poorly with high rates and fees--punish them! Remember, they're at our mercy. :)

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CHASE BANK TRIES TO PULL A FAST ONE 
by Scott Bilker

I knew it would happen! I read all the fine print. I reviewed every detail! I followed the instructions from Chase Bank exactly as they described in their low-rate-offer letter and they still penalized me!

How did Chase Bank attempt to trick me and maybe you? I strongly recommend that you read this entire article if you have ever done a balance transfer or you're thinking about doing a balance transfer! This article contains some details about my phone call to Chase Bank, copies of their letters, copies of my bank statement, and a response form so you can let me, and the world, know if this has ever happened to you!

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/020213_en.cgi?06&7428 

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PAYDAY LOANS = COSTLY CASH 
by The Federal Trade Commission (FTC)

"I just need enough cash to tide me over until payday."

"GET CASH UNTIL PAYDAY! . . . $100 OR MORE . . . FAST."

The ads are on the radio, television, the Internet, even in the mail. They refer to payday loans - which come at a very high price...

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/020213_en.cgi?07&7428 

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SURVEY: Response to Chase Bank Article

This survey is your response to this week's feature article, "Chase Bank Tries to Pull a Fast One," by Scott Bilker. The survey is about your experience with banks trying to pull a fast one on you!

Take the survey to let us know:
http://www.debtsmart.com/cgi-pl/go/020213_en.cgi?08&7428 

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DEBT MAKEOVER 
by Scott Bilker

Are you interested in working with me personally to save money on your debt?

Are you willing make a couple television appearances with me, in New Jersey, to talk about that experience?

If so, then please fill out an application at:
http://www.debtsmart.com/cgi-pl/go/020213_en.cgi?09&7428 

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THE PLAYING FIELD HAS BEEN LEVELED--AND IT'S TIME FOR YOU TO PLAY
By Michael E. Angier

In today's market and with today's technology it's never been easier to compete with established companies and well-known individuals. Never before has opportunity been so universally available.

Every day I see where someone has published their first book, launched a new company, starred in a new film or partnered with a large corporate entity. I like to read about people going for their dreams.

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/020213_en.cgi?10&7428 

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HAVE YOU FREEBIED TODAY?

A2zDeals.com is a premium discount shopping and service portal, with hundreds of great online deals, coupons, discounts, and Freebies. And, Membership is FREE! Click Here!

Click below to learn more:
http://www.debtsmart.com/cgi-pl/go/020213_en.cgi?13&7428 

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IMMEDIATE ACCESS TO YOUR CREDIT SCORE

Score PowerTM, from Equifax and Fair, Isacc, is the only online service that provides you access to your FICO® credit score - the score most widely used in lending. In addition to your credit score, you receive the Equifax Credit ProfileTM the score is based upon, a personalized analysis of your credit score, graphs showing how you rank among other consumers and tips on how to improve your credit rating.

Click below to learn more:
http://www.debtsmart.com/cgi-pl/go/020213_en.cgi?14&7428 

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ENRON LESSONS FOR THE LITTLE GUY 
by Gary Foreman

Much has already been written about the fall of Enron. Most has been on the political and business ramifications and deciding who to blame. I've been surprised to see that there hasn't been much that would help the average Joe protect himself from the next Enron. So let's see what lessons can be learned from the current mess.

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/020213_en.cgi?11&7428 

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HOW TO GET YOUR CHILDREN "BRAND FREE" 
By Gregory Thomas

Those of you that have children know what an excursion to the local mall or supermarket can be like. If you're not careful, this simple trip can easily become a wallet draining experience.

How often have you heard: "I want Luchables because EVERYONE eats them at lunch"; "Come on mom, these cool pants only cost $80."

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/020213_en.cgi?12&7428 

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DEBTSMART RESOURCES

How to advertise in the email newsletter:
http://www.debtsmart.com/cgi-pl/go/020213_en.cgi?01&7428 

How to advertise in the online classifieds:
http://www.debtsmart.com/cgi-pl/go/020213_en.cgi?02&7428 

DebtSmart Books, software, reports, in-print and downloads:
http://www.debtsmart.com/cgi-pl/go/020213_en.cgi?03&7428 

Archive of DebtSmart Email Newsletters online:
http://www.debtsmart.com/cgi-pl/go/020213_en.cgi?04&7428 

How to use DebtSmart articles FREE in your ezine or on your web site:
http://www.debtsmart.com/cgi-pl/go/020213_en.cgi?05&7428 

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HOW TO SUBSCRIBE TO THIS NEWSLETTER

All recipients of DEBTSMART EMAIL NEWSLETTER have signed up voluntarily for the newsletter via our website.

TO SUBSCRIBE to this newsletter click on the below link and complete the subscription form:
http://www.debtsmart.com/cgi-pl/go/020213_en.cgi?00&7428

Please contact mailto:comments@debtsmart.com with any comments, problems, or concerns.

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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 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.

We have done our best to ensure that all sponsors included in the DebtSmart Email Newsletter offer quality products and services. Please let us know about your experience with our advertisers by writing to mailto:comments@debtsmart.com

Copyright (c) 2002 Press One Publishing. All rights reserved. Please do not reprint, or host on your Web site, without explicit permission. However, if you found this newsletter helpful, we grant you permission, and strongly encourage you, to e-mail it to a business associate or a friend. Thank you.