What's Your #1 Excuse?
by Joe Vitale
I marvel at the thinking of some people. No matter what you say or do, they stick to their excuses and stay negative, limited, and stuck. Yet they don't see it. They think, "I'm just being objective."
Bankruptcy Law Passes House
by Scott Bilker
Bankruptcy change legislation passed Congress last week in a 302 to 126 vote and has been signed into law by President Bush. The changes introduced by this bill are tough on consumers and good for banks. Banks are having their cake and eating it too, as the hackneyed-cliché goes.
How to Correct Mixed or Split Credit Reports
by Pammila Phillis
Credit reports contain errors on a regular basis. So, before applying for new credit or beginning your credit repair journey make sure that all of the information contained in your credit report is yours.
How Do You Get that Loan Formula?
by Scott Bilker
Scott, I read with interest your article, Amortized Loans. At the end of the article you indicate the explanation of how to derive the formulae as being covered in another article. Can you please tell me where I can find this? Thank you very much, Luke
DebtSmart Email Newsletter: 3/23/05
by DebtSmart Email Newsletter
In This Issue; Cool Quote; Letter from the Publisher; How Do You Get that Loan Formula? "I calculated my savings at $3,968. WOW!" Featured Credit Cards Can Save You Money Now!; Household Math™: Fast Pay Mortgage Insider Secrets of Business & Personal Credit Avoiding The Credit Card Over-The-Limit Fee; DebtSmart Help Center; Consolidating Credit Cards to One Account; DebtSmart® Resources; Subscribe/Disclaimer Information
Avoiding The Credit Card Over-The-Limit Fee
by Jeffrey Strain
One of the most troublesome credit card fees that you can run up against is the over-the-limit credit card fee. Unlike most other credit card fees where you pay one time for the offense, after you breach your limit, you can end up paying this fee month-in and month-out. Once you exceed your credit card limit, the over-the-limit fee is an automatic, computer generated fee.
They Raised My Rate
by Scott Bilker
Scott, I called the card issuer last week for some routine issues, and happened to ask what my rate was. It was raised to Prime + 4! The operator said they sent me a notification letter last year, but couldn't tell me why the rate had changed. Any suggestions?--Dean
Protecting Your Credit Following ID Theft: A Step-by-Step Plan of Action
by Pammila Phillis
Changes in the FCRA (Fair Credit Reporting Act) regarding identity theft are presented here. Further detailed information can be found at the Federal Trade Commission site, under Fair Credit Reporting Act. This is just a general step-by-step guide to start the process.
DebtSmart Email Newsletter: 3/9/05
by DebtSmart Email Newsletter
In This Issue; Cool Quote; Letter from the Publisher; They Raised My Rate You Saved Me a Bundle of Money Featured Credit Cards Can Save You Money Now! Insider Secrets of Business & Personal Credit You're invited to a special Teleseminar with Garrett Sutton and Gerri Detweiler; Rating your credit card; 10-Minute Tasks to Help You Save Money; DebtSmart Help Center; Protecting Your Credit Following ID Theft: A Step-by-Step Plan of Action; DebtSmart® Resources; Subscribe/Disclaimer Information
10-Minute Tasks to Help You Save Money
by Nancy Twigg
Many people use the excuse that they are too busy to make any extra effort to live frugally. But even those of us who are the busiest can find an extra ten minutes here and there if we look hard enough for it. Here are five quickie tasks you can do anytime that will help you save money.
"The DebtSmart Email
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highly recommend it."--Gerri
Detweiler, radio host and
author of The
Ultimate Credit Handbook
