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DEBTSMART® EMAIL NEWSLETTER 
ISSN 1538-6740 
February 25, 2004 Issue 69

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!

==> Debt Under Construction

==> Household Math™: Cell Phone Plans

==> Before Getting a New Cellular Phone

==> DebtSmart Help Center

==> Always Check Your Credit Report

==> Winter Family Fun

==> DebtSmart® Resources

==> Subscribe/Unsubscribe/Disclaimer Information

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COOL QUOTE “There is only one boss, the customer. And he can fire everybody in the company, from the chairman on down, simply by spending his money somewhere else.” --Sam Walton

Click below for quotes from all previous newsletters: 
http://www.debtsmart.com/cgi-pl/go/040225_en.cgi?04&7428

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LETTER FROM THE PUBLISHER 
by Scott Bilker

Hi,

“What’s the last thing you’ve done to get some extra cash?”

That’s a great question to ask yourself right now. If you cannot remember, then ask this question:

“What can I do today to get some more money?” And I do mean legally. :)

Garage sale, online auctions (eBay), second job, freelance work, consulting, etc.

We live in a world of financial opportunity. Invest in yourself. Take advantage of your unique skills and resourcefulness by focusing your talents on earning more money.

That’s something you can take to the bank!

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/040225_en.cgi?05&7428

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DEBT UNDER CONSTRUCTION 
by Alyice Edrich

Warning: Americans are filing for bankruptcy at an alarming rate. Spending is out of control. Arguments over finances are destroying families. Financial stresses are among the top five reasons couples divorce.

Debt has a way of creeping up on us. In time, it begins to take on a life of its own, causing deaths of families. But it doesn’t have to be this way. Debt can be controlled and marriages can be saved. People don’t have to live...

Click below to read article: 
http://www.debtsmart.com/cgi-pl/go/040225_en.cgi?06&7428

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HOUSEHOLD MATH™

CELL PHONE PLANS 
by Scott Bilker

Brandon is getting his first cell phone and is trying to decide which plan to take. After reviewing all the details, the choice comes down to two options: (Plan 1) $59.99 per month for up to 500 minutes and (Plan 2) $89.99 per month for up to 1000 minutes. Both plans cost an additional $0.35 per minute if he goes over the monthly limit. Brandon wants to know the minimum number of minutes he must use, to make it worthwhile to select plan 2 over plan 1?

Click below to solve problem: 
http://www.debtsmart.com/cgi-pl/go/040225_en.cgi?07&7428

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BEFORE GETTING A NEW CELLULAR PHONE 
by Gregory Thomas

It seems like these days there are a million and one different cellular phones and plans on the market all claiming to be the best. How in world do you decide on which one to signup with?

Many people sign up for a $100 a month service plan, but only end up using about 20% of the allocated minutes! Others, sign up for "across the country" plans costing nearly $150 a month, but rarely travel outside their own state!

Today, you can generally find quite a number of local providers offering a wide variety of services to both individuals and businesses alike. Here are some tips to help you make the most of your...

Click below to read article: 
http://www.debtsmart.com/cgi-pl/go/040225_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/040225_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/040225_en.cgi?10&7428

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WINTER FAMILY FUN 
by Shaunna Privratsky

Winter is here. An icy season of snowstorms, miserable wind and dangerous road conditions. Of course, I live in Fargo, North Dakota, the blizzard capitol of the United States. For those of you lucky enough to live in warmer climates, this might be an entertaining look at how the other half lives.

I have compiled a list of simple, inexpensive ways to celebrate the joy of winter, even if "winter" simply means you must don a heavier sweater. [Do I sound envious? That is because I am!]

Who can resist the thrill of the first...

Click below to read article: 
http://www.debtsmart.com/cgi-pl/go/040225_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/040225_en.cgi?01&7428

Archive of DebtSmart® Email Newsletters online: 
http://www.debtsmart.com/cgi-pl/go/040225_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/040225_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/040225_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.