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Email Newsletter 7/17/02

DEBTSMART® EMAIL NEWSLETTER
ISSN 1538-6740
July 17, 2002 Issue 30

Tools for financial success!
A Free E-Mail Newsletter from DebtSmart
® Online and Press One Publishing.

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Publisher: Scott Bilker, mailto:publisher@debtsmart.com
Editor: Richard Crammer, mailto:editor@debtsmart.com 

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For instructions to SUBSCRIBE, and DISCLAIMER, see bottom of this email.

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IN THIS ISSUE

==> Cool Statistic

==> Letter from the Publisher

==> Getting Better, Cheaper Credit--Right Now!

==> Household Math™: Car Per Hour

==> Survey: Who Really Pays the Bills--Men or Women?

==> Bill Paying Methods

==> Budgets and Credit Cards

==> Live Your Dreams

==> The Credit Card You Pick Can Save You Money

==> DebtSmart® Resources

==> Subscribe/Disclaimer Information

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PLEASE FORWARD THIS ISSUE

If you haven't already done so, please forward this issue to one or two of your friends or business associates.

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COOL STATISTIC

"Stolen credit card numbers and identity theft affect up to 700,000 Americans each year, the Justice Department says. In 2000, credit card companies Visa and Mastercard reported that fraud losses topped $1 billion." 
--Associated Press 6/6/2002

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LETTER FROM THE PUBLISHER 
by Scott Bilker

Hi,

Last week's survey about money buying happiness had a HUGE response! Everyone had so many great points on money and happiness. You all have me thinking much more about it then ever before--thanks! I'm sure you'll be interested in reading the results of the survey and the comments of your fellow readers at:
http://www.debtsmart.com/cgi-pl/go/020717_en.cgi?04&7428 

I've been helping my son work on his basic multiplication this summer. I wanted to use flash cards but I wasn't satisfied with what I found in the store so I developed my own. The cards are 2.5 x 3.5 inches and are very basic, which is what I want! You're free to download and print the cards! Just be sure to print double-sided, in other words, the back of page 1 is page 2. 

The easiest way to print with Acrobat is (1) even pages in reverse, (2) odd pages 
http://www.debtsmart.com/cgi-pl/go/020717_en.cgi?05&7428 

Regards,
Scott

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GETTING BETTER, CHEAPER CREDIT--RIGHT NOW! 
by Scott Bilker

Believe it or not, I know people that have revolving credit-card debt in amounts of $6,000 or more with rates over 20% and they're not interested in getting a better rate. That's just crazy! The first defense against being gouged for high rates and fees is...

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/020717_en.cgi?09&7428 

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HOUSEHOLD MATH™: CAR PER HOUR

Janice has finally received her driver's license! She's a happy camper! Now it's time to get the car and go places with her friends. She's pretty smart about money and knows that she's going to need a decent job to support the car. She only has time to work 20 hours each week. She estimates that the car financing will cost $300 per month, gas $25 per week, auto insurance at $600 semiannually, and repairs and maintenance at $350 per year. How much per hour must she net just to pay for the car?

Use this link to answer the Household Math™ problem:
http://www.debtsmart.com/cgi-pl/go/020717_en.cgi?06&7428 

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WHO REALLY PAYS THE BILLS--MEN OR WOMEN?

I hear from my friends that their wives or girlfriends are the ones that handle the household finances; that actually pay the bills. However, I'm not so sure that can be generalized to the average household so I'm going to need your help to find out who really handles the household finances.

Click below to take the survey:
http://www.debtsmart.com/cgi-pl/go/020717_en.cgi?07&7428 

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BILL PAYING METHODS 
by Doris Dobkins

How are you paying your bills? Do you still write checks each month, stuff them in an envelope and slap on a postage stamp or have you ventured into the world of online bill paying and automated payments? Bills can even be paid these days with a simple...

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/020717_en.cgi?08&7428 

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BUDGETS AND CREDIT CARDS 
by Gary Foreman

I was hoping you can help me solve a problem I have encountered while trying to live on a budget. I have created a budget with a fixed amount that can be spent on certain items, i.e. entertainment. At times I go over this amount. I charge everything on my credit card, in order to receive a cash back bonus. My bill arrives the month after I overspend....My problem is applying my budget to real life, because I still want to use my charge card to pay for everything. Can you please help me figure out this problem? I have tried over and over to figure it out and I'm stuck.

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/020717_en.cgi?10&7428 

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LIVE YOUR DREAM 
by Michael Angier

I've always been fascinated by dreamers. And making dreams come true for myself and others is what my life is about. When I was in my teens, I started to think seriously about where I wanted my life to go. Like many young people, I had visions of doing something significant. I also knew that most people abandon their dreams. So I promised myself that I would never...

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/020717_en.cgi?11&7428 

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THE CREDIT CARD YOU PICK CAN SAVE YOU MONEY! 
by The Federal Reserve

Smart consumers comparison shop for credit, whether they're looking for a mortgage, an auto loan, or a credit card. Comparison shopping is important because it could save you money. When you're looking for a credit card, be sure to consider the costs and terms. They can make a difference in how much you pay for the privilege of borrowing. Compare them with the costs and terms of the...

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/020717_en.cgi?12&7428 

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DEBTSMART® RESOURCES

DebtSmart® Books, software, reports, in-print and downloads:
http://www.debtsmart.com/cgi-pl/go/020717_en.cgi?01&7428 

Archive of DebtSmart® Email Newsletters online:
http://www.debtsmart.com/cgi-pl/go/020717_en.cgi?02&7428 

How to use DebtSmart® articles FREE in your e-zine or on your web site:
http://www.debtsmart.com/cgi-pl/go/020717_en.cgi?03&7428 

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HOW TO SUBSCRIBE OR UNSUBSCRIBE FROM THIS NEWSLETTER

All recipients of DEBTSMART® EMAIL NEWSLETTER have signed up voluntarily for the newsletter via our website.

TO SUBSCRIBE to this newsletter click on the below link and complete the subscription form:
http://www.debtsmart.com/cgi-pl/go/020717_en.cgi?00&7428

Please contact mailto:comments@debtsmart.com with any comments, problems, or concerns.

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The author(s), Press One Publishing, and DebtSmart.com shall have neither liability nor responsibility to any person or entity with respect to any loss or damage caused, or alleged to be caused, directly or indirectly by the information contained in this email newsletter and/or at the DebtSmart.com web site. The information, methods and techniques described may not work for you and no recommendation is made to follow the same course of action. Every effort has been made verify the accuracy of all content contained herein. However, there may be mistakes; typographical, mathematical or in content. This email newsletter and the DebtSmart.com web site have been created for your entertainment only. You must always seek the proper professional advice before taking any financial or legal action. You have been warned.

We have done our best to ensure that all sponsors included in the DebtSmart® Email Newsletter offer quality products and services. Please let us know about your experience with our advertisers by writing to mailto:comments@debtsmart.com

Copyright © 2002 Press One Publishing. All rights reserved. Please do not reprint, or host on your Web site, without explicit permission. However, if you found this newsletter helpful, we grant you permission, and strongly encourage you, to e-mail it to a business associate or a friend. Thank you.

 

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"The DebtSmart Email Newsletter is packed with cutting-edge strategies for solving credit problems. I highly recommend it."--Gerri Detweiler, radio host and author of The Ultimate Credit Handbook




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