DEBTSMART® EMAIL NEWSLETTER
ISSN 1538-6740
August 13, 2003 Issue 58

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

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IN THIS ISSUE

==> Cool Quote

==> Letter from the Publisher

==> DebtSmart® Help Center

==> Credit and Marriage

==> Household Math™: What is APR?

==> Your Consumer Rights

==> Lowering Vehicle Repair Costs

==> DebtSmart® Resources

==> Subscribe/Unsubscribe/Disclaimer Information

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COOL QUOTE

“i hate those people who love to tell you
 money is the root of all that kills
 they have never been poor
 they have never had the joy of a welfare christmas”
 --Everclear, “i will buy you a new life,” 1997

Click below for quotes from all previous newsletters:
http://www.debtsmart.com/cgi-pl/go/030813_en.cgi?04&7428

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LETTER FROM THE PUBLISHER
by Scott Bilker

Hello,

I guess you’ve heard by now that interest rates for mortgages are starting to climb! It may very well be the last hurrah for saving money on your mortgage.

If you happen to subscribe to “Woman’s World,” then you may have seen that the cover story of the 8/12/03 issue, “The magic phone call that can shrink your credit card bills by $2,000,” is about my new book, “Talk Your Way Out of Credit Card Debt.” You can learn more about this book by clicking below:
 http://www.debtsmart.com/cgi-pl/go/030813_en.cgi?05&7428

Regards,
Scott

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DEBTSMART HELP CENTER
By Scott Bilker

Helping you with your debt is very important to me personally! If you've been reading my articles, you know that I always encourage self-help as a first step. However, being buried in debt can be very overwhelming, which is why you may want to explore other options.

One of those options is professional, ongoing help with credit counselors. I've started to personally check out certain companies so I can recommend the ones that are worth considering!

If you would like to speak with a representative from a...

Click below to read more:
http://www.debtsmart.com/cgi-pl/go/030813_en.cgi?06&7428

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CREDIT HISTORY AND MARRIAGE
by Scott Bilker

Scott, I was 36 when I married. I have excellent credit. However, the man I married went through a messy divorce and his credit is moderate at best. If I apply for credit, such as a new car, am I obligated to list my husband’s debts or can I still obtain credit in my own name? --Vicky

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/030813_en.cgi?07&7428

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HOUSEHOLD MATH™

WHAT IS APR?
by Scott Bilker

Actually, it’s the abbreviation for Annual Percentage Rate. The APR is quite simply the periodic rate multiplied by the number of periods in a year. For example, if the monthly rate of interest is 2 percent, then the APR is 24 percent because 2 (the periodic rate) multiplied by 12 (the number of periods, or months, in a year) equals 24 percent. Okay, so now that you understand the APR, here is the question: What is the daily rate (one day is the period) if the APR is 14.6 percent?

Click below to solve problem:
http://www.debtsmart.com/cgi-pl/go/030813_en.cgi?08&7428

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YOUR CONSUMER RIGHTS
by Terry Rigg

If you have ever fallen behind on your debts you already know that dealing with your creditors can be a hassle. Sometimes it can be downright humiliating. It doesn't have to be that way.

With millions of people experiencing financial problems it is absolutely necessary for everyone to know and understand their rights as a consumer.

Federal law requires that you receive fair...

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/030813_en.cgi?09&7428

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LOWERING VEHICLE REPAIR COSTS
by Kyle Busch

The cost of vehicles and their related repairs are expensive. Although the tips provided in this article will not eliminate such expenses, they will help you to take control of vehicle repairs and thus lower their costs.

We have all seen commercials on TV touting the "great vehicle service" provided by dealer service departments. They know your vehicle better than anyone else, they use original replacement parts, etc. etc ... But at what cost is such great service available? Well, usually at about...

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/030813_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/030813_en.cgi?01&7428

Archive of DebtSmart® Email Newsletters online:
http://www.debtsmart.com/cgi-pl/go/030813_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/030813_en.cgi?03&7428

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HOW TO SUBSCRIBE OR UNSUBSCRIBE FROM 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/030813_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 to 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.

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.