DEBTSMART® EMAIL NEWSLETTER
ISSN 1538-6740
February 26, 2003 Issue 46

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

==> Get Started On The Path To Financial Freedom!

==> What is Creative Frugality?

==> Household Math™: Sandwich Coupons Cost

==> The Truth About Mortgage Loans

==> Higher Fuel Prices? Wheels That Will Keep You Rolling

==> DebtSmart® Resources

==> Subscribe/Disclaimer Information

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COOL QUOTE

To The Man in The Arena by Theodore Roosevelt (1910)

"It is not the critic who counts, not the one who points out how the strong man stumbled or how the doer of deeds might have done them better. The credit belongs to the man who is actually in the arena, whose face is marred with sweat and dust and blood; who strives valiantly; who errs and comes short again and again; who knows the great enthusiasms, the great devotions, and spends himself in a worthy cause; who, if he wins, knows the triumph of high achievement; and who, if he fails, at least fails while daring greatly, so that his place shall never be with those cold and timid souls who know neither victory nor defeat."

Click below for quotes from all previous newsletters:
http://www.debtsmart.com/cgi-pl/go/030226_en.cgi?04&7428 

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LETTER FROM THE PUBLISHER 
by Scott Bilker

Hi,

We're working on technical issues at DebtSmart.com so I do apologize if you experience any difficulty using the web site. Thank you for your patience!

My friend just showed me an application for a credit card he received recently. It's 9.9% for purchases but 23.9% for cash advances! If that isn't bad enough, check out the fees...$29 setup fee (one-time), $95 program fee (one-time), $48 annual fee, and a $72 participation fee (annually). That's a total one-time fee of $124 to get the account and a $120 per year annual fee!

Last issue we asked many questions about your health insurance. You can read all the results at:
http://www.debtsmart.com/cgi-pl/go/030226_en.cgi?10&7428 

Thanks again for reading the email newsletter!

Regards, 
Scott

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GET STARTED ON THE PATH TO FINANCIAL FREEDOM!

The DebtSmart® Basic Financial Package is the first step to the financial freedom you deserve! It includes Credit Card and Debt Management, How to Be More Credit Card and Debt Smart, and the No-Bills Complete Office Suite all for $59.95. Retail Value for these items is normally $79.95.

Get Started Today! Use the below link to read more!
http://www.debtsmart.com/cgi-pl/go/030226_en.cgi?06&7428 

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WHAT IS CREATIVE FRUGALITY? 
by Nancy Twigg

Most people understand what creativity is, and have a good idea what it means to be frugal. But the idea of putting the two together is a little hard to grasp. Because creative frugality is one of those things that is easier to show than to tell, here is a quick list of dead giveaways for identifying creative frugality in action.

It's making something out of little bits of...

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/030226_en.cgi?05&7428 

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HOUSEHOLD MATH™: SANDWICH COUPONS COST 
by Scott Bilker

Every time you order a sub, whether it's a whole sub or a half- sub you get a coupon. When you accumulate 15 coupons you get a free whole sub. Four (4) of us from work are going out to lunch, everybody is going to order the Cheese, Boiled Ham, Proscuittini, Cappacuolo sandwich which costs $7.45 for a whole sub and $4.70 for a half-sub. Each person eats a half-sub for lunch and we plan on going here all the time.

We've already collected 11 coupons. Is it better to get 4 half- subs now and get the free whole sub next time, or is it better to split 2 whole subs this time and next time, and get the free whole sub on the third lunch trip?

Click below to solve problem:
http://www.debtsmart.com/cgi-pl/go/030226_en.cgi?09&7428 

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THE TRUTH ABOUT MORTGAGE LOANS 
By Doris Dobkins

When you close on a new mortgage, your loan papers state the interest rate you will be paying for your loan. But is that interest rate really as good as it looks? Out of your monthly payment that you faithfully make each month, do you know how much of that amount is actually going towards interest?

During the signing of your loan papers, you might have noticed a large sum being...

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/030226_en.cgi?07&7428 

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HIGHER FUEL PRICES? WHEELS THAT WILL KEEP YOU ROLLING 
by Kyle Busch

The cost of transportation can be expensive, and higher fuel prices do not help matters. The following vehicles have good ratings, and they will help to stretch your fuel dollars.

The following are some...

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/030226_en.cgi?08&7428 

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DEBTSMART® RESOURCES

DebtSmart® Books, software, reports, in-print and downloads:
http://www.debtsmart.com/cgi-pl/go/030226_en.cgi?01&7428 

Archive of DebtSmart® Email Newsletters online:
http://www.debtsmart.com/cgi-pl/go/030226_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/030226_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/030226_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.