I just want to let you know about some of the
projects going on here at DebtSmart.com. I've decided to develop client-side (on
your local computer) credit and money management software rather than
server-side. This software should run on all platforms, i.e., Windows, MAC,
Linux, etc. One of the programs is complete and will be released with another new
project--the Video Library!
The Video Library will be a collection of
instructional videos with the mission of showing you, through streaming media, my ideas for saving money and
managing credit. The videos will be very similar to the
recent videos from the publisher. I have the first draft complete, but it
will still be awhile before it's ready; probably within the next couple months.
I am interested in finding out about credit
counseling...an overview of what it entails and how to choose a person or
organization. Questions to ask and what to look for. I need outside, ongoing
help with changing my habits in regard to money. Your help is much appreciated.
How to save money on your phone service within minutes!
by Scott Bilker
I always use everything I recommend to make sure that it's good! Ready for
this...their claims are 100% true! Great service! Great price! I signed up for
$25 and got the free minutes. So the total time I received was 1,578 minutes!
That's 1.58 cents per minute!
The online reporting was instant and accurate! This is all I'm going to be
using for a while. If you let them know what numbers your calling from, and call
their local access number, you get the lowest rate and you only have to enter
the PIN to make the call. It's easy to use, cheap as can be, clean connection,
organized online, and simple. Works just like you would want and expect!
My phone service is getting me for 10 cents per minute for in-state calling
and 7 cents per minute for long distance! What a rip! I can't believe I've been
overlooking this big potential savings. I'm going to easily cut my phone bill by
two-thirds! I figure that I'll save $1,000 per year with this new service.
* 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.
Household Math™: Semiannual Mortgage Payoff
by Scott Bilker
This question from a DebtSmart Reader, Margie: I
purchased property for $27,515.00 at 7.5% for 8 years on a semiannual payment of
$2318.00, the first year three payments were made of $2,318.00; we have paid
three years so far. This year, on our due date, we would like to payoff the
mortgage. What will the amount due be? (Note: Assume that the third
payment in year one was made with the second payment.)
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!
"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."
Can an unpaid cellular phone bill be reported on my credit report?
by Scott Bilker
Scott,
Can an unpaid cellular phone bill be reported on
my credit report? I am in a dispute with a cell company over a bill that was
paid by check and not credited to my account. Thank you for your help.
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...
"I had your books less than 2 hours and already saved twice the cost
of them with a single phone call!"
Hi Scott,
I am just bursting with excitement to email you
today. I received your books in the mail when I got home from work and read the
first chapter of Talk Your Way Out Of Credit Card Debt. I then
called one of my credit card companies that was charging me a whopping $59 (zowwy!)
"member fee" each year and followed the steps that you outlined in the
chapter I just read. Just as you said, I got the first representative who
explained all of the "great things" that the "member fee"
provided, such as sending me a statement each month "absolutely free,"
sending me a replacement card if it is lost or stolen "absolutely
free," yadda, yadda (seriously, do these people actually believe what they
are saying?!). I asked for the supervisor, was told they couldn't do anything,
talked to them anyway and, big surprise, the fee was waived on my account! I had
your books less than 2 hours and already saved twice the cost of them with a
single phone call!
Thank you so much for all that you do to provide
people with this great resource about a topic that most people seem to be afraid
to talk about. What a great idea to record your phone conversations and share
them! It gave me the exact action sequence and the confidence boost that I
needed, and I have no doubt that many, many people have been helped by your
efforts. Keep up the great work!
If you’ve ever purchased anything on the
Internet, you are probably a big fan of the ease and efficiency of the purchase,
along with the “delivered to your door” aspect. Despite the recent downfall
of many online companies, shopping online remains very popular. In fact,
eMarketer, a research firm that focuses on online trends, predicts online
business to total $65.9 billion in the year 2001, a 57% increase from 2000.
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.
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