DEBTSMART® EMAIL NEWSLETTER
ISSN 1538-6740
January 1, 2003 Issue 42

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

==> How to be More Credit Card and Debt Smart

==> Great Deals You Can Find in the Classified Ads

==> Household Math™: Susan is Loanly

==> Survey: "Success is..."

==> No Money Down

==> Identity Theft--A Personal Story

==> DebtSmart® Resources

==> Subscribe/Disclaimer Information

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COOL QUOTE

"Failure is never final and success is never-ending. Success is a journey, not a destination." 
--Robert Schuller

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LETTER FROM THE PUBLISHER 
by Scott Bilker

Hi,

Happy New Year!

Before looking ahead to 2003, let's take a quick look back at our last survey from 2002, "MORE MONEY FOR THE HOLIDAYS." There are great suggestions here for getting a hold of some extra cash. Check it out at:
http://www.debtsmart.com/cgi-pl/go/030101_en.cgi?04&7428 

It won't be long until the January credit card statements arrive. Many banks will give you the option to skip a payment. You can save money by skipping the payments on the low-interest rate cards and sending those payments to a higher-interest rate cards. Also, give your zero-balance credit cards a call to see if they'll give you a lower rate if you transfer your balances from December spending.

Talk to you later.

Regards, 
Scott

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HOW TO BE MORE CREDIT CARD AND DEBT SMART: Powerful Financial Management Strategies for Saving Money on Your Credit Cards and Debt! 
by Scott Bilker

The most demanded information from DebtSmart® (many of our best articles in-print)! How to stop the banks from taking advantage of you, get the best lending deals, get financially organized, pick the right mortgage, make more money, finance your next car, personal stories, Q&A, and much more!

Learn more about this book by clicking below:
http://www.debtsmart.com/cgi-pl/go/030101_en.cgi?05&7428 

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GREAT DEALS YOU CAN FIND IN THE CLASSIFIED ADS 
by Larissa & Scott Bilker

Many people run directly to the store to buy brand new items at full price when there are many other options. In fact, one of the best options we've found is shopping for items through classified ads. You have probably used...

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/030101_en.cgi?06&7428 

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HOUSEHOLD MATH™: SUSAN IS LOANLY

Susan just left her boyfriend Jim because he didn't want to get married. Susan originally planned to buy an investment property with Jim but that plan is over. She decides to go ahead and get the house herself. She gets approved for a 30-year, 7% APR loan with payments (principal and interest) of exactly $800.00. Susan decides, after making the first monthly payment of $800.00, that starting the next month, and until the loan is complete, she is going to add one crisp dollar bill to the monthly payment. So her next payment will be $801, then $802, and so on. How long will it take her to repay the loan?

Click below to solve problem:
http://www.debtsmart.com/cgi-pl/go/030101_en.cgi?07&7428 

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SURVEY: "SUCCESS IS..."

Add your motivational quote to DebtSmart® by completing this sentence: "Success is..."

Click below to take the survey:
http://www.debtsmart.com/cgi-pl/go/030101_en.cgi?08&7428 

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NO MONEY DOWN 
by Gary Foreman

Hi Gary, 
I see a guy on TV all the time. He says that you can buy a home with no money down and then come from closing with money in your pocket. Supposedly people buy homes and make millions a year. Do you know about this? How this could be done? Is it worth the 3 payments of $59.99? Or is it a scam? 
--Kevin

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/030101_en.cgi?09&7428 

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IDENTITY THEFT--A PERSONAL STORY 
by Robert B. Gamble

Several weeks ago I received a bill from Target Credit. I knew I did not apply for such a card, so I called the number related to the $160 worth of items charged and listed on the bill. They told me the items were shipped to someone in New York. Well, I was not about to...

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/030101_en.cgi?10&7428 

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DEBTSMART® RESOURCES

DebtSmart® Books, software, reports, in-print and downloads:
http://www.debtsmart.com/cgi-pl/go/030101_en.cgi?01&7428 

Archive of DebtSmart® Email Newsletters online:
http://www.debtsmart.com/cgi-pl/go/030101_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/030101_en.cgi?03&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/030101_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 © 2003 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.