As always, I do hope the email newsletter finds
you in good health--physically, emotionally, and of course, financially!
I cannot believe how fast the summer is going. I
guess I'm just getting old but I do remember, as a kid, how slow the summer went
by. It seemed like forever. Now it goes by in an instant!
If you also think time is going by fast, then I
hope you're planning on the future by contributing to your IRA--especially if
you have a 401(k) with an employer matching those contributions. There are many
benefits to having a 401(k), like being able to borrow against it, that makes
this worthwhile. If you haven't taken a look at your IRA option in a while, then
do so ASAP.
Running argument regarding credit card debt
by Scott Bilker
Scott,
I have been reading the articles on your website
for a few months and find the information very interesting and helpful.
My husband and I have a running argument
regarding credit card debt.
We are just starting to get our credit report
back into order and I am starting to look for ways to save money regarding
interest payments.
He gets very upset when I look at the offers we
receive in the mail to see if the APR is lower than any of the cards we
currently have and even think about transferring the balance. I am always
interested in the 0% offers, but he says that creditors don't like to see you
transfer balances over and over to 0% because it shows that you can't handle the
balance "load".
Any ideas on how I can show him that it makes
sense to move balances to 0% or lower interest rates to save money?
How to save money on your phone service within minutes!
by Scott Bilker
For a limited time, I'm going to throw in a free
download of my DebtSmart Loan Calculator ($9.95 value) when you sign up for
this prepaid phone service. Both the calculator and the phone service are
worthwhile or they wouldn't be here. I personally wrote the calculator software
and stand behind it.
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™: Insurance With A Credit Card?
by Scott Bilker
Your auto insurance bill arrives; it's $600.00
for 6 months of coverage, ugh. Luckily, to make paying easier, they give you the
option of spreading this out over 3 monthly payments. The catch is they charge
you an additional "convenience" fee of $3 per payment. The same day
you also receive a credit-line check offer from one of your credit cards, with
no check fees, that is good for 3-months with a 5.99% APR. What's better
(cheaper) to do? Take the insurance company's payment plan offer or use the
credit line (5.99% offer) check to pay the car insurance in full for $600.00.
Technical Note: No matter which choice you make, you must pay off the $600.00
principal in exactly 3 monthly payments.
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!
How often can you apply for credit cards? Does it
look bad on your credit report if you apply for many credit cards? My husband
and I have 5 credit cards. Our credit rating is good, so most of our interest on
our cards are between 5 and 7%. We owe $19,000 and I am currently emptying one
of our cards so that we can transfer the entire $19,000 using their 2.99%
life-of-the balance rate.
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...
Salem, Virginia, a ray of sunshine: your books
arrived! They are exactly what I hoped they'd be, and they tempt me to ignore
all else, as I devour them.
I'm starting with Talk Your Way Out of Credit
Card Debt, and, although I ordered it to learn how to help my sister and
brother-in-law, I'm finding information that I can use to help myself, too. You
were right to "guarantee" that your "books will help." To
paraphrase you, I've gotten mad, I'm getting smart--thanks to you--and I'll soon
pick up that phone!
My only regret is that I didn't think to ask you
to autograph the books before you shipped them. Perhaps I'll have the
opportunity to meet you someday, and I'll remedy that omission.
A couple of months ago I read an article about
getting finances under control. According to the article, you can double the
minimum monthly payment on a revolving charge and that account will be paid in
full in 36 months regardless of the amount. How could that be possible?
Especially considering how "minimum" most minimum monthly payments
are.
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
