COOL QUOTE " Far better to dare mighty things, to win glorious triumphs, even though checkered by failure, than to take rank with those poor spirits who neither enjoy much nor suffer much, because they live in the gray twilight that knows not victory, nor defeat."--Theodore Roosevelt Quotes from all previous newsletters IN THIS ISSUE #127 Letter from the publisher Cool Quote Are you looking for help with your debt now? Cheapest pre-paid phone rates 10 financial questions you should ask yourself today! More credit card and debt statistics Blue Cash® for Business Credit Card "I saved $1,334 per hour. It was so easy!" Discover® Platinum Gas Card Household Math™: Job Offers Blue from American Express® Discover® Platinum Wildlife Card Stop Debt Collectors Cold! Get motivated to get out of debt More credit, more options! Free DebtSmart® Column for in print publication, ezine, or web site Hire Scott Bilker to speak Books, software, in-print and downloads Archive of Email Newsletters online Advertising Update-Subscribe-Unsubscribe-Disclaimer Information Publisher: Scott Bilker Editor: Larissa S. Bilker Assistant Editor: Denise Troy ISSN 1538-6740 You can add DebtSmart® News RSS feeds to your newsreader pages. Note: RSS feeds are not a replacement for the email newsletter but a fast method of finding out what's new here at DebtSmart.com. College Financial Aid The average overall college aid package was $7,352. Private schools tend to be more generous with aid than public schools. They also charge much more for tuition. The average award at private colleges was $13,147, with 83 percent of their students receiving help. For public schools, the package was $7,619 for almost 70 percent of students. Read more credit card and debt statistics Stop Debt Collectors Cold! Stop Debt Collectors Cold! Plus, for a limited time, 4 bonus 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. Read about stopping debt collectors

Hi,

I hope all is well with you and your family!

Last week, I expanded the size of DebtSmart.com by moving streaming media files to another server. Now, I have another 50GB of space! Nice! That means I'll be able to bring you more video, audio, or any large files that would not otherwise fit on the current website.

I started testing the new space by loading some older media clips that I've really wanted to share with you for a while, but just didn't have the room. The first couple I loaded are archived television interviews I did before DebtSmart.com existed-- just after the publication of my first book, Credit Card and Debt Management.

These files are in the Windows Media format, so I am going to apologize in advance if you have any problems with the video. You can be sure that any new video I create will be in the Real Media, Flash, and other streaming media formats.

One of my favorite hosts is J.J. Burns. He's a NY financial planner and was hosting his In the Money show back in 1997. He invited me to be a guest on his show on 10/21/97. J.J. is focused on helping people with their money. We talked in detail about credit card and debt management. You can watch that interview clip here.

My first ever TV interview was on PBS on 10/1/97. The show is Take Note hosted by Patty Satalia. She did a great job of covering the topic. I'm sure you'll find something helpful here as well. You can watch that interview clip here.

Enjoy!

Best,
Scott

Are you looking for help with your debt now?

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To quote the very well-known motivational speaker, Anthony Robbins, "Questions are the answer." What exactly does he mean? Tony believes, as do I, that you have the ability to find the answer to any question. They key is to ask the right questions.

If you're constantly asking yourself, "Why was I so stupid to get into debt?", your brain is going to give you an answer like, "Because you're a loser."

Finish reading article

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"I spent about 2 hours reading this book (Talk Your Way Out of Credit Card Debt), getting comfortable with the strategies. Then, after my first phone call, which saved me $210 per year, I was off and running! I was able to reduce my interest rate by as much as 9%. I called all six of my Mastercard/Visa companies and was able to save $1,983 per year from the finance charges plus having a $59.00 annual fee removed and a late fee removed ($29.00). The $/hour saved ranged from $141/hour to $2,464/hour and averaged $1,334/hour. It was so easy!!"

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This question is from my son's 3rd grade New Jersey Assessment of Skills and Knowledge (NJ ASK) sample test.

You have to choose between two different job offers for the same four-day period. The first job pays $5.00 each day for the four days. The second job pays $1.00 for the first day, and each day after the first, you will be paid twice the amount you received the previous day. Which job will pay you the greatest amount?

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So, there you sit, most likely all stressed out and worried because you have a lot of debt. Well, you don't have to be if you would only get busy and get motivated to rid yourself of some debt. Believe me, it's easier than you think and not all that hard. And, I can now speak from experience, and I would like to share some of my financial trade secrets and ideas with you. But don't just read this article thinking, "Yeah, maybe it worked for him, but it won't for me!" Do not think that way! In fact, it is also very paramount, imperative and very important that you stop being so pessimistic and negative as that way of thinking will get you nowhere fast.

Finish Reading Article

More credit, more options!

Credit options are your weapon against the banks! The key to success is using your credit lines to save money--not to go crazy spending!

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 ©2006 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.