From:
"Scott Bilker" <newsletter@debtsmart.com><br>

Subject:
DebtSmart Email Newsletter <span style="background-color: #00FFFF">12/10/13</span><br><br>

<b>TRACKING FOR ANALYTICS</b><br>
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<img border="0" src="https://www.debtsmart.com/images/news01.gif" vspace="2" alt="DebtSmart"></td>
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<td style="white-space: nowrap; background-color: #000000; text-align: center;"><b>
<font face="Arial" color="#FFFFFF">&nbsp;&nbsp;ISSUE #244&nbsp;&nbsp;</font></b></td>
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<img border="0" src="https://www.debtsmart.com/images/news02.gif" vspace="2" alt="Email Newsletter"></td>
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<font face="Arial" color="#FFFFFF">&nbsp; December 10, 2013&nbsp;&nbsp;</font></b></td>
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<a href="https://www.debtsmart.com/2010/09/19/background-of-debtsmart-com/" target="_blank">
<img border="0" src="https://www.debtsmart.com/images/scott5.jpg" width="80" height="105" longdesc="Founder of DebtSmart" alt="Scott Bilker"></a></td>
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<a href="https://www.debtsmart.com/2010/09/19/background-of-debtsmart-com/" target="_blank">
<img border="0" src="https://www.debtsmart.com/images/scottsigsmall.jpg" width="80" height="25" alt="Signature"></a></td>
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<td><font size="2" face="Arial">
<a href="https://www.debtsmart.com/2010/09/19/background-of-debtsmart-com/?utm_source=enews&utm_medium=email&utm_content={!email}&utm_campaign=20131210" target="_blank">Scott Bilker, founder of DebtSmart</a></font></td>
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<td valign="top" style="white-space: nowrap">&nbsp;&nbsp; &nbsp;&nbsp;</td>
<td style="width: 100%" valign="top"><br><font face="Arial">{!name},<br><br>
There's always a bunch of advice out there about how to pay your debts 
back--especially which to pay back first--high rate or low balance. I do hope 
the below math problem solves this debate. :)<br><br>
Best,<br>Scott </font></td>
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<a target="_blank" href="https://www.debtsmart.com/2014/10/27/hidden-traps-buried-in-student-loan-payoff-protocols/?utm_source=enews&utm_medium=email&utm_content={!email}&utm_campaign=20131210">
<img width="150" height="150" src="https://www.debtsmart.com/wordpress/wp-content/uploads/2014/10/sloans-150x150.jpg" class="attachment-150x150 size-150x150 wp-post-image" alt="" loading="lazy" srcset="https://www.debtsmart.com/wordpress/wp-content/uploads/2014/10/sloans-150x150.jpg 150w, https://www.debtsmart.com/wordpress/wp-content/uploads/2014/10/sloans.jpg 300w" sizes="(max-width: 150px) 100vw, 150px" /></a> 
<br><br>
<font face="Arial"><b><span style="background-color: #C9FF93"><font size="4">
<a target="_blank" href="https://www.debtsmart.com/2014/10/27/hidden-traps-buried-in-student-loan-payoff-protocols/?utm_source=enews&utm_medium=email&utm_content={!email}&utm_campaign=20131210">
<font color="#000000">Hidden Trap(s) Buried in Student Loan Payoff Protocols</font></a></font></span></b>
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by Tom Layson<p>Up to now, the media and the government seems happy to ignore the student debt crisis as it relates to parents. We&#8217;ve heard all about the difficulties students and grandparents face, but parents are generally left out of the conversation. </p>
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<b><font face="Arial">
<a href="https://www.debtsmart.com/2014/10/27/hidden-traps-buried-in-student-loan-payoff-protocols/?utm_source=enews&utm_medium=email&utm_content={!email}&utm_campaign=20131210" target="_blank">Finish reading the article</a></font></b>
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<a target="_blank" href="https://www.debtsmart.com/2014/01/20/4-reasons-to-rent-to-college-students/?utm_source=enews&utm_medium=email&utm_content={!email}&utm_campaign=20131210">
<img width="150" height="150" src="https://www.debtsmart.com/wordpress/wp-content/uploads/2014/01/college-rental-150x150.jpg" class="attachment-150x150 size-150x150 wp-post-image" alt="" loading="lazy" srcset="https://www.debtsmart.com/wordpress/wp-content/uploads/2014/01/college-rental-150x150.jpg 150w, https://www.debtsmart.com/wordpress/wp-content/uploads/2014/01/college-rental.jpg 300w" sizes="(max-width: 150px) 100vw, 150px" /></a> 
<br><br>
<font face="Arial"><b><span style="background-color: #C9FF93"><font size="4">
<a target="_blank" href="https://www.debtsmart.com/2014/01/20/4-reasons-to-rent-to-college-students/?utm_source=enews&utm_medium=email&utm_content={!email}&utm_campaign=20131210">
<font color="#000000">4 Reasons to Rent to College Students</font></a></font></span></b>
<br>
by Tali Wee of Zillow<p>College campuses consist of a wide variety of rental properties, from high rises to multi-family homes. Each year, students must solidify their living arrangements in order to finish their schooling. When one class graduates, hundreds of new potential leaseholders move into town. It may be intimidating at first, but renting out space to students comes with unassuming benefits.</p>
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<a href="https://www.debtsmart.com/2014/01/20/4-reasons-to-rent-to-college-students/?utm_source=enews&utm_medium=email&utm_content={!email}&utm_campaign=20131210" target="_blank">Finish reading the article</a></font></b>
<br><br>
<hr color="#000000" size="1"><br>
<a target="_blank" href="https://www.debtsmart.com/2013/12/05/how-couples-can-learn-to-talk-about-money/?utm_source=enews&utm_medium=email&utm_content={!email}&utm_campaign=20131210">
<img width="150" height="150" src="https://www.debtsmart.com/wordpress/wp-content/uploads/2013/12/money_fight_couple-150x150.jpg" class="attachment-150x150 size-150x150 wp-post-image" alt="" loading="lazy" srcset="https://www.debtsmart.com/wordpress/wp-content/uploads/2013/12/money_fight_couple-150x150.jpg 150w, https://www.debtsmart.com/wordpress/wp-content/uploads/2013/12/money_fight_couple.jpg 300w" sizes="(max-width: 150px) 100vw, 150px" /></a> 
<br><br>
<font face="Arial"><b><span style="background-color: #C9FF93"><font size="4">
<a target="_blank" href="https://www.debtsmart.com/2013/12/05/how-couples-can-learn-to-talk-about-money/?utm_source=enews&utm_medium=email&utm_content={!email}&utm_campaign=20131210">
<font color="#000000">How Couples Can Learn to Talk About Money</font></a></font></span></b>
<br>
by Kathleen Burns Kingsbury<p>Many people find discussing money to be awkward or complicated, but engaging in money conversations is an important skill to learn. For couples, managing money can be a stressful and emotional issue.</p>
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<b><font face="Arial">
<a href="https://www.debtsmart.com/2013/12/05/how-couples-can-learn-to-talk-about-money/?utm_source=enews&utm_medium=email&utm_content={!email}&utm_campaign=20131210" target="_blank">Finish reading the article</a></font></b>
<br><br>
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ISSN 1538-6740, is written and published by Scott Bilker. Please contact <a href="mailto:comments@debtsmart.com">
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