Message from the publisher 1/12/05 (dial-up)
by Scott Bilker
Hi. First off, I want to wish you a Happy New Year! And I hope you enjoy this first 2005 issue of the DebtSmart Email Newsletter! In the "Letter from the publisher" section, I have, in the past, created a video message instead of a written letter. However, the majority of readers prefer the text as well so, I'm trying to combine the text and video to deliver as much information as possible in a manner that everyone likes.
Household Math™: Mortgage Math
by Scott Bilker
The interest rate on my mortgage is 7% APR with monthly payments of $623.00. The balance this morning is $59,200.00. My payment of $623 will arrive this afternoon and be credited to my account today. What will the balance be on the mortgage next month immediately after the monthly payment is applied to the balance?
DebtSmart Email Newsletter: 1/12/05
by DebtSmart Email Newsletter
In This Issue; Cool Quote; Letter/Video from the Publisher; How banks use low rate offers to lock in high rates Inspired to Call for a Reduction in APR American Express Blue; Household Math™: Mortgage Math Stop Debt Collectors Cold Should I declare bankruptcy?; DebtSmart Help Center; Lemon list helps consumers avoid a sour experience; DebtSmart® Resources; Subscribe/Disclaimer Information
Message from the publisher 1/12/05 (cable)
by Scott Bilker
Hi. First off, I want to wish you a Happy New Year! And I hope you enjoy this first 2005 issue of the DebtSmart Email Newsletter! In the "Letter from the publisher" section, I have, in the past, created a video message instead of a written letter. However, the majority of readers prefer the text as well so, I'm trying to combine the text and video to deliver as much information as possible in a manner that everyone likes.
Should I declare bankruptcy?
by Gary Foreman
Gary, My husband and I got married quite young, made some unwise financial decisions and ended up in debt (some credit card, some personal loans) with a grand total of $24,000. After many years of trying we feel that we have no other choice but to file for bankruptcy. We honestly would like to do anything else but we feel that this is our only alternative. --Exhausted in Sudbury
DebtSmart Email Newsletter: 12/15/04
by DebtSmart Email Newsletter
In This Issue; Cool Quote; Letter from the Publisher; Stealing from people of faith Inspired to Call for a Reduction in APR SURVEY RESULTS: More money for the holidays American Express Blue Stop Debt Collectors Cold; Rating your credit card; DebtSmart Help Center; Credit Card Protection Insurance--Should You Get It?; DebtSmart® Resources; Subscribe/Disclaimer Information
Stealing from people of faith
by Scott Bilker
Click-click-clicking through the channels...hmmm, what's on TV tonight? Look at this, B.E.T. is running a show about God with Pastor Robert Tilton. He is a fairly convincing speaker like many of his televangelist cohorts, but what's his message? You may think it is the same message as the majority of these charismatic "shepherds" however, this guy caught my attention when he said to call for his free booklet titled, "How to Pay Your Bills Supernaturally."
Credit Card Protection Insurance- Should You Get It?
by Rebecca Lindsey
A brand new year always starts off with new possibilities and opportunities. For many, a new year offers a fresh start, and thousands will make a New Year's resolution to get their financial matters more organized.
How are you buying a car with credit cards?
by Scott Bilker
Scott, Mechanically, how are you completing the transaction? I've heard some dealerships don't accept credit card purchases (because of the CC discount?).
DebtSmart Email Newsletter: 12/1/04
by DebtSmart Email Newsletter
In This Issue; Cool Quote; Letter from the Publisher; Credit card company insulted me and made me wait Credit Card and Debt Management; Survey: More money for the holidays American Express Blue How are you buying a car with credit cards?; Rating your credit card; DebtSmart Help Center; Credit Card Cash Advance Pitfalls; DebtSmart® Resources; Subscribe/Disclaimer Information
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