AARP
When I recently helped renew my father's
AARP membership I was informed that you could add someone, over the age of 18,
living at the member's address, to the membership. I have officially joined the
AARP! My membership has been active since 1984, when my parents became members.
There are many membership benefits that will help save me money, for example,
the first thing I did was sign up for the Delta Dental Family plan. It doesn't
pay for everything but after doing the math it will save me money!
CREDIT DEPRESSION WARNING
My wife, Larissa, commented that
lenders, like cigarette companies, should put warning labels on their credit
cards,
e.g., "WARNING: overuse of this product could cause extreme depression or
financial ruin." How true, how true, but I doubt we'll ever see that
happen.
PHONE SERVICE SAVINGS
I've been working on
getting low phone rates and passing these programs on to everyone at
DebtSmart.com. It's coming soon...really! I'm aiming for the end of the month,
maybe by the last May email newsletter issue or first in June. All that's left
is to build a website so you can determine if you will save and also have a way
to sign up.
Good credit rating but too much debt for low rates
by Scott Bilker
Scott,
I just found your website in a book I am reading
from the Rich Dad Series. I am in business for myself for 8 years now. I have
high CC debt all for the most part business debt. We always pay our bills on
time. Recently though the CC companies started raising their interest rates on
us and lowering our limits dramatically. Some to the tune of 35%! I am at a loss
of what to do.
My business is doing well to the point that, if I
were able to pay off these cards, I would be able to do my business on a
month-to-month basis without accruing any cc debt. Herein lies the problem of
being able to pay off the credit card debt especially at these rates. Even at
these rates we still are not making any late payments. Our credit rating is
excellent but we are carrying to much debt to acquire lower rate cc to lower our
monthly payments. What can we do?
I am going to try and call all of my credit card
holders and see about lowering my monthly interest as you talked about in one of
your articles. I am also ordering your books as soon as I finish with his email.
Your help is appreciated.
Credit Card Help From Scott Bilker: The $43,000 Man
by Christopher Yuscavage
When you are Scott Bilker, credit card help is not what you are offering
people; it's a way out of debt for life!
Scott Bilker, author of Talk Your Way Out of Credit Card Debt,
promises that his book is the quickest and easiest way out of debt for people
like Mary and John.
Mary is a widowed 40-year-old female from San Francisco with a problem, a
credit card problem. She currently has 3 credit cards to her name and another
that belonged to both her and her husband. While she has obtained low interest
credit cards for herself, her and her husband had a credit card with accumulated
debt in the thousands.
Besides being a painful reminder of her husband's death, the credit card that
Mary is...
Featured Credit Cards Can Save You Money Now!
by Scott Bilker
Your
best defense against any one bank is to have credit options--to be able to
transfer your balance to a lower rate. That's your only real power against high
fees. That's how to be DebtSmart®! Make the banks fight for your business! Be
sure to add this web page to your favorites list so you can keep applying for
new credit when you need it. Which credit card is right for you? Select from the
list below and apply online right now!
Each week I receive dozens of emails from people being hounded by debt
collectors. These collectors are horrible! They can harass, threaten, and embarrass
their victims without regard for the law. There have been many articles posted at
DebtSmart by those attacked by these evil hounds.
Yes, that's strong language and I am sure that the "good" debt
collectors (if there is such a thing) are going to send me hate mail in about 10
minutes, but the truth is that the majority of these "folks" don't
care at all about your situation. They're out to suck as much cash from you as
possible.
In the past I've advised people of the techniques needed to deal with debt
collectors however, a comprehensive information package has been created that I
can recommend that will help--for sure!
It's been written by best-selling author, Gerri
Detweiler, attorney John
Ventura, and Mary Reed, personal finance author. Not only is this aimed at Stopping
Debt Collectors Cold but they also include four other great reports: How
to Get Collection Accounts Off Your Credit Report, How to Avoid Losing Your Home
In A Foreclosure, What to Do if You Are Behind on Your Car Payments, and
Confidential Interview With A Former Debt Collector.
I highly recommend that you take a look at this information so you're
prepared to effectively deal with debt collectors!
Household Math™: Cutting the Budget
by Scott Bilker
Susan spends 30% of her income on housing
expenses, 30% repaying her credit card debts, 20% on all taxes, 10% on
groceries, 5% on clothing, and saves what's left over. She decides that she
wants to pay back her debt more quickly and to do that she needs to do a few
budget cuts. Susan cuts the grocery bill by 25%, the clothing spending in half,
and dedicates all the money she used to save toward the credit card debts. How
much, by percentage, of her income is now being used for repaying credit card
debt?
* A Smart way to carry cash
* No credit Check
* Add funds at over 46,000 Agent locations nationwide.
* Enroll Today: Click Here or call 1-866-813-4052
No credit checks, No lengthy application and no
bank account needed.
Ideal for on line or off line shopping. Plus, it's a prepaid card.
Which means the ultimate in budget control is yours.
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...
How Junk Mail Can Save You Money
by Jeffrey Strain
Most people toss out the junk mail that comes in
their mailbox never realizing that it can save them hundreds of dollars a year.
That's because "junk mail" includes competing offers, which can be
used to lower the rates you currently pay for services.
When companies send out junk mail, they're hoping
to convert new customers to their product or service. To do so, they often offer
discounted introductory rates below the normal retail price. When you have an
offer from a competing company, you have leverage against your current provider
to get them to lower their rates.
Say you receive a credit card offer in the mail
for a...
"CardRatings.com has been offering ratings of credit cards since 1998
and has been featured by Good Morning America, The Wall Street Journal, Consumer
Reports®, NPR, PBS, etc. Thanks to consumers like you, CardRatings.com has
become the most comprehensive free source for comparing credit card
offers."
Chances are, you have probably received one of
those flashy letters with big headlines that practically scream "YOU'VE
JUST WON A BAZILLION DOLLARS!!!" You begin to get really excited and then
you see that really, really tiny print below the headline that reads "You
might actually hear this statement if you have the winning number out of the 100
billion numbers we give out, and oh, you must send us $15 in order to get a
number in the first place."
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.
Subscribe FREE and start
finding new ways to save
money and pay off your debt.
"The DebtSmart Email
Newsletter is packed with
cutting-edge strategies for
solving credit problems. I
highly recommend it."--Gerri
Detweiler, radio host and
author of The
Ultimate Credit Handbook
