General Credit Card Knowledge Quiz
by Scott Bilker
We all use credit everyday and it's important to know the basics of handling our debt to ensure that we're always getting the best deal. Take the quiz to check your personal plastic awareness level!
Transfer Credit Card Balances
by Scott Bilker
My husband and I filed for bankruptcy in 1995. Since then we have established good payment records with high interest credit card companies. I'm ready to drop them and transfer my balances to a lower interest rate card(s). I've had my existing accounts for several years (or more), plus we just bought a house, so I think we deserve better interest rates. I called my accounts personally, but they don't offer better rates, only a larger line of credit.
Survey Results: Holiday Spending
by Scott Bilker
We've all been told to try to return to our lives and get on with our business. It's very difficult. I wonder how the events of September 11, 2001 are going to affect this upcoming holiday season. All the experts says the economy is going to take a pounding but I'd like to ask you about how you're going to spend this season.
9 Steps to Get Organized for Financial Success!
by Scott Bilker
I've learned over the years that the better organized you are with all your transactions the less likely you are to: Bounce checks, Exceed credit limits, Pay late, Get charged for stuff you didn't buy, Get hooked into extra charges, Be stressed over bills, Go into perpetual debt, and Let fraud go unnoticed. Here are the 9 quick steps to getting organized for financial success--today!
Survey Results: Financial Software
by Scott Bilker
Using financial software is one of the best ways to get organized! Do you use financial software?
Car Dealers
by Scott Bilker
I know that you have used these examples to help people learn and to be aware but you have also just made every car dealer in the country a crook.
CONTEST RESULTS from 8/31/01 (Fuzzy Math)
by Scott Bilker
Which loan is better and why? Loan 1: $100,000.00, 30-year loan, with monthly payments of $665.31, or Loan 2: $100,000.00, 15-year loan, with monthly payments of $1,014.27.
Manipulating the System
by Scott Bilker
It's Friday night and the phone rings... you know the call, it's late, the last bite of my dinner being chewed, all you want to do is watch TV and relax. Guess who's calling? Yes, it's a mortgage company that's trying to sell me a refinance deal!
Contest Results from 8/17/01 Email Newsletter
by Scott Bilker
You have an outstanding credit card balance of $5,500 at 15.99% APR (fixed) and you're making payments of $99.87 per month. You decide to save money by transferring this balance to an 9.99% APR (fixed) and keep making the same monthly payment of $99.87. How much money do you save?
Scott, you have too many credit cards!
by Scott Bilker
I read your article in which you state that you have 80 or so credit cards. I'm not sure why this is advantageous. I have cancelled all but one card which I pay in full each month and by no means see my "options" (to get into debt, I guess) as being restricted.
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