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Email Newsletter 12/18/02
DEBTSMART® EMAIL NEWSLETTER
ISSN 1538-6740
December 18, 2002 Issue 41
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 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
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COOL QUOTE
"When you give more than people
expect, you get more than you expected."
--J. Warren McClure, philanthropist and author of "Freedom to
Achieve"
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LETTER FROM THE PUBLISHER
by Scott Bilker
Hi,
I hope everyone has had a great 2002!
I have a feeling that the market, and
economy, is going to do better next year. Let's hope so--for the
sake of those 401Ks!
You may have heard that about 30,000
credit histories were stolen! The thieves sold that information for
$30 per person to more crooks. Those guys made $2.7 million using
the files to create new lines of credit, or in other words, identity
theft.
In this case, the victims couldn't
stop their information from being stolen because the perpetrator had
direct access to their files. However, we should always be actively
safeguarding our personal information. Especially the two main keys
to your financial castle: (1) your social security number and (2)
your mother's maiden name. Be very careful to whom you tell that
information.
Talk to you next year!
Regards, Scott PS: Be sure to check
out the holiday special because it ends in only 24 hours!
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HOLIDAY SPECIAL (must act right now)!
If you've wanted to try the "No
Bills! Debt Elimination Program," then this special is for you!
Normally $39.95 we're lowering the price to only $9.95! Act now!
This offer ends in 24 hours!
Take learn more about this holiday
special click below:
http://www.debtsmart.com/cgi-pl/go/021218_en.cgi?04&7428
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DROWNING IN DEBT
by Scott Bilker
Dear Scott,
I am drowning in debt. I am attempting to figure out a budget that
is livable. WE have a daughter going to college next fall, a grown
son that has moved back home and a son who has moved out but we
cosigned for his truck payment so we are stuck with that. I was
tempted to order your book but I have gotten so many debt books but
nothing that will help me. I looked at our credit card debt which is
more than I make in a year. I work but had a second job that is not
working out. My husband works full-time. We just need help in
figuring out what to do. Thanks for at least listening.
--Jeanie
Click below to read article:
http://www.debtsmart.com/cgi-pl/go/021218_en.cgi?05&7428
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HOUSEHOLD MATH™: CHEAPER GAS VS.
FULL-SERVICE
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 for gas which totaled $885.65.
She likes to get gas at the full-service 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?
Click below to solve problem:
http://www.debtsmart.com/cgi-pl/go/021218_en.cgi?06&7428
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SURVEY: MORE MONEY FOR THE HOLIDAYS
Hey, we all wouldn't mind having more
money! Many people are doing extra things this holiday season to
earn more money. From working overtime to selling stuff online, it
seems there's always a need for more cash this time of year. Please
share your methods and/or ideas for getting some extra shopping
bucks by filling out this issue's survey.
Click below to read article:
http://www.debtsmart.com/cgi-pl/go/021218_en.cgi?07&7428
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GIVING AND RECEIVING
by Michael Angier
I know a young man who stands before
the great "woodstove of life" and says, "Give me heat
and I'll give you wood." For some reason he feels the world
owes him a livelihood with no regard for his contribution.
I'm not sure how he arrived at this
point of view...
Click below to read article:
http://www.debtsmart.com/cgi-pl/go/021218_en.cgi?08&7428
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BREAK THROUGH THE MOLD & PROTECT
YOUR RIGHTS!
by Craig Thor 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? --John,
Jenkintown, PA
John, There is cause for concern.
What you may not know about your vehicle's HVAC system may be
hazardous to your...
Click below to read article:
http://www.debtsmart.com/cgi-pl/go/021218_en.cgi?09&7428
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JUST SAY "NO" TO SPENDING
PRESSURE
by Nancy Twigg
Imagine the scene: One Sunday morning
at church, you are approached by the child of a friend in your Bible
class. His school is selling "Pizza Heaven" coupon books
to raise money for the band. You don't frequent that restaurant, but
the money seems to be going to a good cause. After all, he is your
friend's son. What do you do?
If that scenario isn't familiar to
you, how about this one...
Click below to read article:
http://www.debtsmart.com/cgi-pl/go/021218_en.cgi?10&7428
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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?
Will you drive me to soccer practice? You're so good at sewing; can
you help me make a party costume for my daughter? Would you mind
calling that person for me? Since you're already working on the
computer, would you mind...
Click below to read article:
http://www.debtsmart.com/cgi-pl/go/021218_en.cgi?11&7428
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DEBTSMART® RESOURCES
DebtSmart® Books, software, reports,
in-print and downloads:
http://www.debtsmart.com/cgi-pl/go/021218_en.cgi?01&7428
Archive of DebtSmart® Email
Newsletters online:
http://www.debtsmart.com/cgi-pl/go/021218_en.cgi?02&7428
How to use DebtSmart® articles FREE
in your e-zine or on your web site:
http://www.debtsmart.com/cgi-pl/go/021218_en.cgi?03&7428
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HOW TO SUBSCRIBE TO THIS NEWSLETTER
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NEWSLETTER have signed up voluntarily for the newsletter via our
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TO SUBSCRIBE to this newsletter click on the below link and
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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.
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Copyright © 2002 Press One
Publishing. All rights reserved. Please do not reprint, or host on
your Web site, without explicit permission. However, if you found
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encourage you, to e-mail it to a business associate or a friend.
Thank you.
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