Web DebtSmart.com
DebtSmart.com
Thursday, March 28, 2024   
 

DebtSmart® Email Newsletter

ISSN 1538-6740
June 1, 2005 Issue 99

Tools for financial success! A Free Email Newsletter from DebtSmart Online and Press One Publishing.

Publisher: Scott Bilker


In this Issue

Cool Quote

Letter from the Publisher

Choosing a debt counselor

How to save money on your phone service within minutes!

Western Union® Prepaid MasterCard® Card

Household Math™: Semiannual Mortgage Payoff

Featured Credit Cards Can Save You Money Now!

Rating your credit card

Can an unpaid cellular phone bill be reported on my credit report?

DebtSmart® Help Center

“I had your books less than 2 hours and already saved twice the cost of them with a single phone call!”

Disposable Credit Card Numbers

DebtSmart® Resources

Subscribe/Disclaimer Information



Cool Quote

"Money doesn't always bring happiness. People with ten million dollars are no happier than people with nine million dollars."
--Hobart Brown

Quotes from all previous newsletters



Letter from the Publisher 
by Scott Bilker

Hi,

I just want to let you know about some of the projects going on here at DebtSmart.com. I've decided to develop client-side (on your local computer) credit and money management software rather than server-side. This software should run on all platforms, i.e., Windows, MAC, Linux, etc. One of the programs is complete and will be released with another new project--the Video Library!

The Video Library will be a collection of instructional videos with the mission of showing you, through streaming media, my ideas for saving money and managing credit. The videos will be very similar to the recent videos from the publisher. I have the first draft complete, but it will still be awhile before it's ready; probably within the next couple months.

That's all for now.

Regards,
Scott 
PS: If you are interested in advertising with DebtSmart.com, please complete the form here.



Choosing a debt counselor
by Scott Bilker

Scott,

I am interested in finding out about credit counseling...an overview of what it entails and how to choose a person or organization. Questions to ask and what to look for. I need outside, ongoing help with changing my habits in regard to money. Your help is much appreciated.

Heather

Finish Reading Article



How to save money on your phone service within minutes!
by Scott Bilker

I always use everything I recommend to make sure that it's good! Ready for this...their claims are 100% true! Great service! Great price! I signed up for $25 and got the free minutes. So the total time I received was 1,578 minutes! That's 1.58 cents per minute!

The online reporting was instant and accurate! This is all I'm going to be using for a while. If you let them know what numbers your calling from, and call their local access number, you get the lowest rate and you only have to enter the PIN to make the call. It's easy to use, cheap as can be, clean connection, organized online, and simple. Works just like you would want and expect!

My phone service is getting me for 10 cents per minute for in-state calling and 7 cents per minute for long distance! What a rip! I can't believe I've been overlooking this big potential savings. I'm going to easily cut my phone bill by two-thirds! I figure that I'll save $1,000 per year with this new service.

Read more about phone savings



Western Union® Prepaid MasterCard® Card

* A Smart way to carry cash
* No credit Check 
* Add funds at over 46,000 Agent locations nationwide. 
* Enroll Today: Click Here or call 1-866-813-4052

No credit checks, No lengthy application and no bank account needed.
Ideal for on line or off line shopping. Plus, it's a prepaid card. 
Which means the ultimate in budget control is yours.

Find out more about the Western Union® Prepaid MasterCard®



Household Math™: Semiannual Mortgage Payoff
by Scott Bilker

This question from a DebtSmart Reader, Margie: I purchased property for $27,515.00 at 7.5% for 8 years on a semiannual payment of $2318.00, the first year three payments were made of $2,318.00; we have paid three years so far. This year, on our due date, we would like to payoff the mortgage. What will the amount due be? (Note: Assume that the third payment in year one was made with the second payment.)

Answer this problem



Featured Credit Cards Can Save You Money Now!
by Scott Bilker

Your best defense against any one bank is to have credit options--to be able to transfer your balance to a lower rate. That's your only real power against high fees. That's how to be DebtSmart®! Make the banks fight for your business! Be sure to add this web page to your favorites list so you can keep applying for new credit when you need it. Which credit card is right for you? Select from the list below and apply online right now!

Choose from the list of featured credit cards



Rating Your Credit Card
by CardRatings.com

"CardRatings.com has been offering ratings of credit cards since 1998 and has been featured by Good Morning America, The Wall Street Journal, Consumer Reports®, NPR, PBS, etc. Thanks to consumers like you, CardRatings.com has become the most comprehensive free source for comparing credit card offers."

See how your credit cards are rated by CardRatings.com



Can an unpaid cellular phone bill be reported on my credit report?
by Scott Bilker

Scott,

Can an unpaid cellular phone bill be reported on my credit report? I am in a dispute with a cell company over a bill that was paid by check and not credited to my account. Thank you for your help.

Theresa

Finish Reading Article



DebtSmart® Help Center 
by Scott Bilker

Hi,

Helping you with your debt is very important to me personally! If you've been reading my articles, you know that I always encourage self-help as a first step. However, being buried in debt can be very overwhelming, which is why you may want to explore other options.

One of those options is professional, ongoing help with credit counselors. I've started to personally check out certain companies so I can recommend the ones that are worth considering!

If you would like to speak with a representative from a...

Read More at the DebtSmart Help Center



"I had your books less than 2 hours and already saved twice the cost of them with a single phone call!"

Hi Scott,

I am just bursting with excitement to email you today. I received your books in the mail when I got home from work and read the first chapter of Talk Your Way Out Of Credit Card Debt. I then called one of my credit card companies that was charging me a whopping $59 (zowwy!) "member fee" each year and followed the steps that you outlined in the chapter I just read. Just as you said, I got the first representative who explained all of the "great things" that the "member fee" provided, such as sending me a statement each month "absolutely free," sending me a replacement card if it is lost or stolen "absolutely free," yadda, yadda (seriously, do these people actually believe what they are saying?!). I asked for the supervisor, was told they couldn't do anything, talked to them anyway and, big surprise, the fee was waived on my account! I had your books less than 2 hours and already saved twice the cost of them with a single phone call!

Thank you so much for all that you do to provide people with this great resource about a topic that most people seem to be afraid to talk about. What a great idea to record your phone conversations and share them! It gave me the exact action sequence and the confidence boost that I needed, and I have no doubt that many, many people have been helped by your efforts. Keep up the great work!

Tina Kerchner, VA

Read about special offer for all three of Scott Bilker's best-selling books



Disposable Credit Card Numbers
by Rebecca Lindsey

If you’ve ever purchased anything on the Internet, you are probably a big fan of the ease and efficiency of the purchase, along with the “delivered to your door” aspect. Despite the recent downfall of many online companies, shopping online remains very popular. In fact, eMarketer, a research firm that focuses on online trends, predicts online business to total $65.9 billion in the year 2001, a 57% increase from 2000.

Finish Reading Article


DebtSmart® Resources

DebtSmart® Books, software, reports, in-print and downloads

Archive of DebtSmart® Email Newsletters online

How to use DebtSmart® articles FREE in your e-zine or on your web site


How to UPDATE your information, SUBSCRIBE, or UNSUBSCRIBE from this newsletter

All recipients of the DebtSmart® Email Newsletter signed up voluntarily for the newsletter via our website.

SUBSCRIBE to this newsletter

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


DISCLAIMER

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 to 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.

Copyright ©2005 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.


 

Subscribe FREE and start finding new ways to save money and pay off your debt.

"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




DEBTSMART MEDIA MENTIONS
NBC 10 News:
Money King Secrets
<Photos and Video>
CN8:
Art Fennell Reports
<Photos and Video>
CNN: CNN Newsroom
<Photos and Video>
CNN: American Morning
<Photos and Video>
ABC: Action News
<Photos and Video>
CNN/fn: Your Money
<Photos and Video>
<See all Television Interviews>

Subscribe to the DebtSmart® RSS Feed
     
   Add to Google