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DEBTSMART® EMAIL NEWSLETTER 
ISSN 1538-6740 
February 11, 2004 Issue 68

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

==> Buy 1 Book, Get All 3!

==> So Far in Debt; Can’t Seem to Breathe

==> Household Math™: True Rate of Transfer Offer

==> Cut Expenses by 20%

==> DebtSmart Help Center

==> Always Check Your Credit Report

==> How Do You Get Over $7,000 in One Year not Working?

==> DebtSmart® Resources

==> Subscribe/Unsubscribe/Disclaimer Information

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COOL QUOTE

“It’s not the size of the dog in the fight, it’s the size of the fight in the dog.” --Mark Twain

Click below for quotes from all previous newsletters: 
http://www.debtsmart.com/cgi-pl/go/040211_en.cgi?04&7428

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LETTER FROM THE PUBLISHER 
by Scott Bilker

Hi,

Here are a few items in no particular order...

Good news! The “Get all 3 of my books for the price of 1” offer is back. If you missed this opportunity before, now is the time to take advantage of it.

Tip from reader Scott Morey: “There’s an extra paycheck for everyone this year because there are 53 Fridays in 2004!”

FYI, if you read Newsweek, check out my comments in the Tip Sheet on page 71, “Easing a Cash Crunch” in the 2/9/04 issue.

Tax season is upon us! Start getting organized (if you haven’t already). Make a list of all the documents you’re expecting by mail to file along with your returns and check each item off as they arrive.

Talk to you later.

Regards, Scott

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BUY 1 BOOK, GET ALL 3!

I have a special offer to go along with my latest book, "Talk Your Way Out of Credit Card Debt." This book is a comprehensive guide to negotiating with credit card banks by phone. I cover many specific situations from getting fees waived to getting rates reduced--even settlements!

The book contains 52 phone call transcripts from my personal recorded phone calls! They always say they record us for training purposes, well, this time I've recorded them!

Here's the offer: Get my latest book for $19.95 and I'll include my first two books at no additional cost! So you'll get "Talk Your Way Out of Credit Card Debt", "Credit Card and Debt Management", and "How to be more Credit Card and Debt Smart" all for only $19.95 plus shipping! That's a $49.85 value for only $19.95! All books are bestsellers at Amazon.com and have also been mentioned or recommended by major media such as Reader's Digest, Newsweek, Kiplinger's, Woman's World, CNN Money, and many more!

By the way, I guarantee that you'll save money by reading my new book. If you don't believe that "Talk Your Way Out of Credit Card Debt" can save you 10 times the cost of the book, then you can return it for a full refund and keep the other books as a gift! That's how confident I am that you will save money!

Click below to read more about this offer: 
http://www.debtsmart.com/cgi-pl/go/040211_en.cgi?05&7428

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SO FAR IN DEBT; CAN’T SEEM TO BREATHE 
by Scott Bilker

Scott, Help please! I heard you on the radio and what you had to say made sense to me. I am so far in debt and can’t seem to breathe. I have 6 credit cards and I am $25,000 in debt.

I know you hear this all the time, I have been paying for over 2 years not charging anything and still cant get anywhere. I cut them 2 years ago, and called the companies to ask for a lower rate. They gave me like a year with low interest, and lower payments so my credit reports would not be hurt.

Bottom line, my credit report looks so bad, we can’t even refinance our home. I am in so deep that if I had a pill I'd take it! When I called a company to help me all they wanted to do was charge me more money that I don't have. I am not sleeping, and just don't want to leave my home. I own my own business, and I am just asking for your personal help. Please, please help me. Thank you, Stephanie

Click below to read article: 
http://www.debtsmart.com/cgi-pl/go/040211_en.cgi?06&7428

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HOUSEHOLD MATH™

TRUE RATE OF TRANSFER OFFER 
by Scott Bilker

You’re offered a balance transfer from one of you current credit lines. The offer is for 4.99% fixed with a one-time 4% transfer fee. You transfer $5,000 and pay $100 per month until the loan is repaid. What is the true APR for this loan when you include all interest rate charges and fees?

Click below to solve problem: 
http://www.debtsmart.com/cgi-pl/go/040211_en.cgi?07&7428

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CUT EXPENSES BY 20% 
by Terry Rigg

If you are like most of us you have areas in your budget that could be trimmed by at least 20%. What about your grocery bill? Unless you are using every cost-cutting method available, then you could even beat that 20% on your food bill.

Each area of your expenses has room to be trimmed. Let's just briefly discuss a few...

Click below to read article: 
http://www.debtsmart.com/cgi-pl/go/040211_en.cgi?08&7428

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DEBTSMART HELP CENTER 
by Scott Bilker

Hi,

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/040211_en.cgi?09&7428

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ALWAYS CHECK YOUR CREDIT REPORT 
by Scott Bilker

I cannot stress enough the importance of periodically checking your credit report! Banks are not the only ones that look at this “financial résumé,” employers, insurance companies, and many other people will pass judgement on you based on your credit history.

You want to make sure that there are no errors in these reports...

Click below to read more: 
http://www.debtsmart.com/cgi-pl/go/040211_en.cgi?10&7428

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HOW DO YOU GET OVER $7,000 IN ONE YEAR NOT WORKING? 
by Tawra Kellam

Many of us feel overwhelmed by debt and don’t know how to start climbing out of it. For others it's a misconception that the more money you earn the easier it is to save. My husband and I paid off $20,000 of credit card debt and medical bills in 5 years on an average income of $22,000 a year.

Here is how you can save over $7,000 in just one year cutting a few things from your...

Click below to read article: 
http://www.debtsmart.com/cgi-pl/go/040211_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/040211_en.cgi?01&7428

Archive of DebtSmart® Email Newsletters online: 
http://www.debtsmart.com/cgi-pl/go/040211_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/040211_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/040211_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 © 2004 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.