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Email Newsletter 12/18/02

DEBTSMART® EMAIL NEWSLETTER
ISSN 1538-6740
December 18, 2002 Issue 41

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 Quote

==> Letter from the Publisher

==> Holiday Special

==> Drowning in Debt

==> Household Math™: Cheaper Gas vs. Full-Service

==> Survey: More Money for the Holidays

==> Giving and Receiving

==> Break Through the Mold and Protect Your Rights!

==> Just Say "No" To Spending Pressure

==> 6 Keys To Respecting Your Time

==> DebtSmart® Resources

==> Subscribe/Disclaimer Information

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COOL QUOTE

"When you give more than people expect, you get more than you expected."
--J. Warren McClure, philanthropist and author of "Freedom to Achieve"

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LETTER FROM THE PUBLISHER 
by Scott Bilker

Hi,

I hope everyone has had a great 2002!

I have a feeling that the market, and economy, is going to do better next year. Let's hope so--for the sake of those 401Ks!

You may have heard that about 30,000 credit histories were stolen! The thieves sold that information for $30 per person to more crooks. Those guys made $2.7 million using the files to create new lines of credit, or in other words, identity theft.

In this case, the victims couldn't stop their information from being stolen because the perpetrator had direct access to their files. However, we should always be actively safeguarding our personal information. Especially the two main keys to your financial castle: (1) your social security number and (2) your mother's maiden name. Be very careful to whom you tell that information.

Talk to you next year!

Regards, Scott PS: Be sure to check out the holiday special because it ends in only 24 hours!

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HOLIDAY SPECIAL (must act right now)!

If you've wanted to try the "No Bills! Debt Elimination Program," then this special is for you! Normally $39.95 we're lowering the price to only $9.95! Act now! This offer ends in 24 hours!

Take learn more about this holiday special click below:
http://www.debtsmart.com/cgi-pl/go/021218_en.cgi?04&7428 

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DROWNING IN DEBT 
by Scott Bilker

Dear Scott, 
I am drowning in debt. I am attempting to figure out a budget that is livable. WE have a daughter going to college next fall, a grown son that has moved back home and a son who has moved out but we cosigned for his truck payment so we are stuck with that. I was tempted to order your book but I have gotten so many debt books but nothing that will help me. I looked at our credit card debt which is more than I make in a year. I work but had a second job that is not working out. My husband works full-time. We just need help in figuring out what to do. Thanks for at least listening. 
--Jeanie

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/021218_en.cgi?05&7428 

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HOUSEHOLD MATH™: CHEAPER GAS VS. FULL-SERVICE

Jenny lives 30 miles from where she works. Her car gets 22 miles per gallon. Jenny works 5 days a week, every week in the year--no holidays or vacations; that hurts! Last year she added up how much she spent for gas which totaled $885.65. She likes to get gas at the full-service gas station for convenience, but this comes at a cost of 5 cents more per gallon. If she bought all her gas for the year at the lower-priced gas station, how much would she save in one year?

Click below to solve problem:
http://www.debtsmart.com/cgi-pl/go/021218_en.cgi?06&7428 

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SURVEY: MORE MONEY FOR THE HOLIDAYS

Hey, we all wouldn't mind having more money! Many people are doing extra things this holiday season to earn more money. From working overtime to selling stuff online, it seems there's always a need for more cash this time of year. Please share your methods and/or ideas for getting some extra shopping bucks by filling out this issue's survey.

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/021218_en.cgi?07&7428 

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GIVING AND RECEIVING 
by Michael Angier

I know a young man who stands before the great "woodstove of life" and says, "Give me heat and I'll give you wood." For some reason he feels the world owes him a livelihood with no regard for his contribution.

I'm not sure how he arrived at this point of view...

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/021218_en.cgi?08&7428 

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BREAK THROUGH THE MOLD & PROTECT YOUR RIGHTS! 
by Craig Thor Kimmel

Dear Craig, Now that the winter is here and I've had to turn on my heater, I've been smelling a strange musty smell coming from my vents. Is this normal or is there cause for concern? My girlfriend thinks I should take it in for service but I don't think that it's serious. Your thoughts? --John, Jenkintown, PA

John, There is cause for concern. What you may not know about your vehicle's HVAC system may be hazardous to your...

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/021218_en.cgi?09&7428 

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JUST SAY "NO" TO SPENDING PRESSURE 
by Nancy Twigg

Imagine the scene: One Sunday morning at church, you are approached by the child of a friend in your Bible class. His school is selling "Pizza Heaven" coupon books to raise money for the band. You don't frequent that restaurant, but the money seems to be going to a good cause. After all, he is your friend's son. What do you do?

If that scenario isn't familiar to you, how about this one...

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/021218_en.cgi?10&7428 

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6 KEYS TO RESPECTING YOUR TIME 
by Maria Gracia

Are you the type of person that always says YES to every demand on your time? Can you watch my kids? Will you drive me to soccer practice? You're so good at sewing; can you help me make a party costume for my daughter? Would you mind calling that person for me? Since you're already working on the computer, would you mind...

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/021218_en.cgi?11&7428 

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DEBTSMART® RESOURCES

DebtSmart® Books, software, reports, in-print and downloads:
http://www.debtsmart.com/cgi-pl/go/021218_en.cgi?01&7428 

Archive of DebtSmart® Email Newsletters online:
http://www.debtsmart.com/cgi-pl/go/021218_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/021218_en.cgi?03&7428 

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HOW TO SUBSCRIBE TO 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/021218_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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