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TOP STORIES for Friday, May 9, 2008

What is Better? Fewer Cards with Higher Balances, or Many Cards with Smaller Balances? What is Better? Fewer Cards with Higher Balances, or Many Cards with Smaller Balances?
by Scott Bilker
My husband and I are preparing to buy a new home. We want to clean up our credit card accounts to better our chances for a mortgage. We were considering paying off our credit cards with smaller balances using other credit cards. What is better when your credit is being considered for a home loan--fewer credit cards with higher balances or more credit cards with smaller balances?
 
Household Math™: Cash Flow Household Math™: Cash Flow
by Scott Bilker
Kim is trying to save $800 for tuition. She makes brings home $60 per week. Kim also has a total of $160 of out-of-pocket expenses each month. How many months will it take her to save the money needed for tuition?
 
What to Know Before You File For Bankruptcy What to Know Before You File For Bankruptcy
by Becky Schmitz
You may feel you don’t have any other options. Maybe you owe several people money, your credit is maxed out, and you are falling deeper into debt so you start to explore filing for bankruptcy. You thought you never would, but you’ve heard about it, maybe even someone you know has done it and the question you want to know is when should you?
 
Feeding a Family for $300 a month? Feeding a Family for $300 a month?
by Tawara Kellam
I do something that most people think they can't do today. I feed my family of 5 for $300 a month. Most people say that's an impossible feat, but what boggles minds even more is that I do it without using coupons. How do I do it? First, I use what I have. If I don't have milk in the house, I don't make a special trip to the store for it.
 
Balance transfer checks Balance transfer checks
by Scott Bilker
Scott, First of all your site is great! Received a blank check from my credit card company that can be used for either cash or purchases. It is a low 3.99 percent rate for life of the loan. The balance on my credit card has a variable 8.99 percent rate. Would I be able to write a check out for the balance on the credit card, deposit it in my checking account, and then turn around and send a personal check to the credit card company for the balance total thus lowering the rate from 8.99 percent to the 3.99 percent. Thanks in advance. MW
 
Family Fights Bank to Keep Home Family Fights Bank to Keep Home
by ABC News
Amid charges of banking violations, one NY family turns foreclosure around.

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PRIOR HEADLINE STORIES

Instant Grati Syndrome (by Harrine Freeman)
As a baby when you cried your mother or father came running to take care of you.
 
Household Math™: Early Mortgage Payoff (by Scott Bilker)
Assume a person is buying a $150,000 home at a rate of 7% interest on a 30-year loan, with the usual 20% down payment (so the loan would be $120,000).
 
Credit Card and Debt Statistics Database (by Scott Bilker)
Do you want to know the average credit card debt for families? Want to learn who has the most credit cards and how many? Find the numbers, and the sources, for credit and debt! The most complete online database of credit card and debt statatisics.
 
Will a debt settlement adversely affect our credit rating? (by Scott Bilker)
We are taking a second out on our house to pay it off. Should we ask the credit card companies to lower our payoff amount for paying off the balance in cash?
 
Excerpt from "Talk Your Way Out of Credit Card Debt" (by Scott Bilker)
Everyone wants to get out of debt, but few are willing to do the work it takes to make this goal a reality.
 
Featured credit cards can save you money NOW!
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.

Just Say "No" to Spending Pressure (by Nancy Twigg)
Imagine the scene: One Sunday morning at church, you are approached by the child of a friend in your Bible class.
 
Budgets and Credit Cards (by Gary Foreman)
I was hoping you can help me solve a problem I have encountered while trying to live on a budget.
 
Cash-out to pay off cards or keep debt? (by Scott Bilker)
I have a 30-year home mortgage and $14,000 in credit card debt. Should I refinance my home with cash-out to pay the credit cards off then freeze them?
 
Book Review: "Get Out Of Debt e-Book Package," by Cooper and Kellam (by Scott Bilker)
Their strategies for getting out of debt are true methods for frugal living. They dig out of debt by cutting spending without cutting happiness.
 
How to control your spending (by Art Graham)
In order to control your unnecessary spending, it helps to understand why you spend.
 
Debt Daredevil (by Scott Bilker)
I am however, interested in your opinion of other financial wizards and their money management tactics, such as Suze Orman.
" If medical science continues to prolong life, some of us may eventually pay off the mortgage."
--Jonathan Pond
> More cool quotes
 
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VIDEO: Talk Your Way...

You can Talk Your Way Out of Credit Card Debt. Watch Scott talk about how his latest book can help you save money!
 

 Recent Media Mentions

NBC 10 News: Money King Secrets
<Video> | <Photos>
ABC: Action News
<Video> | <Photos>
CN8: Art Fennell Reports
<Video> | <Photos>
CNN: American Morning
<Video> | <Photos>
SmartMoney: Credit Card King
<Article>
CNN/fn: Your Money
<Video> | <Photos>
<See all Television Interviews>
 

This week's featured author

Becky Schmitz

 

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