14 ways to handle your debts
by Scott Bilker
There is always much advice as to how to handle your debt. As with everything in life, there are pros and cons to each strategy. Picking the right path depends on your personal situation and of course, careful consideration of the costs. My feeling is that the best choice is the smartest financial choice. That means the least expensive strategy. That said, let's take a look at a few approaches to dealing with debt.
DebtSmart Email Newsletter: 5/3/06
by DebtSmart Email Newsletter
Cool Quote; Credit and Debt Statistics Database; Letter from the publisher; 14 ways to handle your debts; "I saved $1,334 per hour. It was so easy!"; Household Math™: Insurance With A Credit Card?; Mortgage Telemarketing--A Personal Story; More credit, more options; DebtSmart® Help Center; What About Ben Franklin?; Stop Debt Collectors Cold!; Having a baby means more credit card debt for some Americans; DebtSmart® Resources; Subscribe/Disclaimer Information; Free DebtSmart® Column for in print publication, ezine, or web site; Hire Scott Bilker to speak; Advertising
Having a baby means more credit card debt for some Americans
by Amy L. Cooper-Arnold
A new baby—such a joyous occasion, and expectant parents often enjoy the process of planning for their arrival. Decorating the nursery, filling the closet with tiny outfits, stocking up on diapers, and test driving strollers are just a few of the things needed to be done before the great event.
DebtSmart Email Newsletter: 4/19/06
by DebtSmart Email Newsletter
Cool Quote; Credit and Debt Statistics Database; Letter from the publisher; 9 Steps to Get Organized for Financial Success!; "I saved $1,334 per hour. It was so easy!"; Household Math™: Coupons and Sandwiches; No money down; More credit, more options; DebtSmart® Help Center; Thrift shops; Stop Debt Collectors Cold!; Your finances; DebtSmart® Resources; Subscribe/Disclaimer Information; Free DebtSmart® Column for in print publication, ezine, or web site; Hire Scott Bilker to speak; Advertising
It's Your Money: Saving
by Tom Layson
The national savings rate continues to be a bit of an embarrassment. A.G. Edwards did a survey recently that focused on savings, and they've developed a score that gives people credit for saving for their appreciating homes and increasing stock values--needless to say, I find that portion of the company's effort to be garbage.
Will The Number of Delinquent Credit Card Accounts Increase?
by Mike Killian
The American Bankers Association (ABA) recently posted statistics concerning delinquent credit card payments. The data indicates a continued high delinquency rate, which in turn leads to lower credit scores since past payment history accounts for about 35% of one's credit score. The more recent a tardiness, the more credit score points are sacrificed. A consumer could be 30, 60, 90 or more days late on an account and the impact on his or her score becomes progressively more pronounced.
Federal Reserve Board Kids Web Page
by Federal Reserve
The Federal Reserve Board on launched a new kids web page designed to educate middle school students about the Board of Governors of the Federal Reserve System. The new web page is designed in a user-friendly, question-and-answer format to ensure easy navigation and the ability to learn basic information about the Fed.
DebtSmart Email Newsletter: 4/5/06
by DebtSmart Email Newsletter
Cool Quote; Credit and Debt Statistics Database; Letter from the publisher; Car Debt or Credit Debt First?; "I saved $1,334 per hour. It was so easy!"; Household Math™: Susan is loanly; It's Your Money: Saving; More credit, more options; DebtSmart® Help Center; Federal Reserve Board Kids Web Page; Stop Debt Collectors Cold!; Will The Number of Delinquent Credit Card Accounts Increase?; DebtSmart® Resources; Subscribe/Disclaimer Information; Free DebtSmart® Column for in print publication, ezine, or web site; Hire Scott Bilker to speak; Advertising
DebtSmart Email Newsletter: 3/22/06
by DebtSmart Email Newsletter
Cool Quote; Credit and Debt Statistics Database; Letter from the publisher; Biweekly mortgage may be a rip-off; "I saved $1,334 per hour. It was so easy!"; Household Math™: Minimum Payment; Adults living with parents; More credit, more options; DebtSmart® Help Center; Chris Peruzzi vs. the Debt Counselors; Stop Debt Collectors Cold!; Ten Easy Ways to Get Extra Cash; DebtSmart® Resources; Subscribe/Disclaimer Information; Free DebtSmart® Column for in print publication, ezine, or web site; Hire Scott Bilker to speak; Advertising
Adults Living With Parents
by Gary Foreman
Experts estimate that one third of all singles in their 20's still live with their parents. Today I answer a question from a mother who's going under trying to support herself, her minor child, two adult children and a baby. The article looks at both the financial and emotional aspects of the situation. It runs 833 words and is copied below.
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