DEBTSMART® EMAIL NEWSLETTER
ISSN 1538-6740
March 12, 2003 Issue 47

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

==> DebtSmart® Download Debt Elimination Package

==> Advanced Cash-Advance Techniques

==> Household Math™: Fast Pay Mortgage

==> Survey: Cutting Spending vs. More Income

==> Living On What's Left

==> Getting Your Act Together

==> DebtSmart® Resources

==> Subscribe/Disclaimer Information

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COOL QUOTE

"If you have an understanding of your passion, you have an understanding of life." 
--Matt Fisher, Lead Guitarist of "The Sly Caps" (2/28/03)

Click below for quotes from all previous newsletters:
http://www.debtsmart.com/cgi-pl/go/030312_en.cgi?04&7428 

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LETTER FROM THE PUBLISHER by Scott Bilker

Hi,

We just finished moving DebtSmart.com to a new server last week. If you have any problems getting to the web site please let me know by mailto:publisher@debtsmart.com 

My new book, "Talk Your Way Out of Credit Card Debt" has just been released! Watch your email for a special, one-time offer, to get the new book. You can expect that email sometime before the next newsletter.

Thanks again for reading the email newsletter!

Regards, 
Scott 
PS: On page 18 of this week's (3/18/03) issue of "Woman's World" is an article I worked on with their money writers.

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DEBTSMART® DOWNLOAD DEBT ELIMINATION FINANCIAL PACKAGE

The 30-Year Loan Amortization and Analysis Worksheet 
by Scott Bilker

DebtSmart® Loan Calculator 
by Scott Bilker

No Bills! Debt Elimination Program 
by Tim Timmerman

Living Within Your Means--The Easy Way 
by Terry Rigg

All 4 for only $55.95!

Get Started Today! Use the below link to read more!
http://www.debtsmart.com/cgi-pl/go/030312_en.cgi?05&7428 

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ADVANCED CASH-ADVANCE TECHNIQUES 
by Scott Bilker

Dear Scott, 
I recently read your article about buying a car with a card. I have a 0% interest card and plenty of available credit so it seems like a good idea. Problem is the seller is a private party. Obviously I can't use a convenience check or a cash advance or I'll blow the interest strategy. Is there a way to pay a private party so that it appears as a purchase on the card and not an advance? I have checked out PayPal but I'm not sure the seller is Internet active. Thanks. 
--Tracy

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/030312_en.cgi?06&7428 

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HOUSEHOLD MATH™: FAST PAY MORTGAGE 
by Scott Bilker

You have a $100,000 mortgage at 6% APR for 15 years. How many extra monthly payments must you send each year to be able to pay off this loan in exactly 5 years? Note: All the extra payments are sent along with the year's last monthly payment.

Click below to solve problem:
http://www.debtsmart.com/cgi-pl/go/030312_en.cgi?07&7428 

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SURVEY: CUTTING SPENDING VS. MORE INCOME

What do you think is the faster way out of debt? Cutting your spending or increasing your income?

Click below to take survey:
http://www.debtsmart.com/cgi-pl/go/030312_en.cgi?08&7428 

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LIVING ON WHAT'S LEFT 
by Terry Rigg

Are you one of those people that pay your bills no matter what? That is an admirable trait to have when managing your money. You made the bill and you feel you are responsible for paying it. Good for you.

Now let's talk about how much money you have to cover your household expenses after you pay all of those bills. Your household expenses would include your groceries, car gas, school lunches, and all of the other stuff that it takes to run a household. Do you have enough to pay this bill?

All too often, people tend to...

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/030312_en.cgi?09&7428 

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GETTING YOUR ACT TOGETHER 
by Doris Dobkins

If you want this to be the year where you finally straighten out your finances, read on. If your finances have been sinking you deeper and deeper into debt each month, here are some ideas to help you get your financial act together.

Rule One: Every Dollar Counts! How much of your hard earned income falls through...

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/030312_en.cgi?10&7428 

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DEBTSMART® RESOURCES

DebtSmart® Books, software, reports, in-print and downloads:
http://www.debtsmart.com/cgi-pl/go/030312_en.cgi?01&7428 

Archive of DebtSmart® Email Newsletters online:
http://www.debtsmart.com/cgi-pl/go/030312_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/030312_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/030312_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.

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Copyright © 2003 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.