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Press One Publishing.
Letter from the Publisher by Scott Bilker
it's finally here! A new DebtSmart
Video Library presentation release
along with free software that I
personally developed! The last (and most
important) part of this video is your
review. How it helps you. How much money
it saves you! So please, check it out,
get the free software, and let me know
what you think.
Wow! They're so useful to talk to on the
phone! You know what a pain it is to get
through automated phone menus? Well, I
found a web site that tracks the keypad
instructions you need to get to a human!
Check it out
you heard about Alex Tew? This UK kid
(21) needed some cash to pay for school,
so he created a
web page and sold each
pixel of advertising for $1 on eBay.
Well, he sold 1,000,000 pixels. He's
doing well. My point is that YOU may
have the next million-dollar idea!
note...Visa has dubbed everyone born
in the 80's as Gen "P" for Generation
Plastic. That's because this group
prefers plastic over paper for
purchases. Me too, and I'm a 60's guy.
You should always be
thinking about refinancing because your
mortgage is probably the most expensive
purchase you'll ever make. Notice that I
didn't say your house was the most
expensive purchase. That's because when
you took a mortgage, you purchased that
money to pay for the house. The purchase
of that money is paid by the interest
have paid $150,000 for the house, but
you purchased that $150,000 from a bank
for, let's say, 7% APR over 30 years, with
monthly payments of near $1,000 per
month, costing you a total of
$360,000.00. That's $150,000 for the
house and $210,000 for the money to buy
"Hi Scott -
we are very excited because your advice
works! My husband called Capital One to
try to get them to combine two accounts
into one and lower his rate. Both cards
were paid off, and one we had shredded
while we were on the phone with them
when they would not raise the limit -
they actually HEARD him shred the card!
At first they said no, but then when my
husband said he would shred the other
card too and go with BOA instead, they
changed their tune. They combined the
limits of both cards onto one. Even
though the limit is still less than
$1000, it proves your point that it does
PAY to make that call! Now I am going to
try to get them to combine mine...
situation we run into all the time.
Stores always have sales, specials, etc.
and thrifty people will try to take
advantage of these sales. But how can
you tell which discount will save you
stores are having a sale. In Store #1
the deal is take 25% off then take an
additional 25% off. In Store #2 the deal
is take 50% off. Which store has the
that my credit card account be closed in
June. In November I received a bill for
$110 for automated charges that go
through once a year. The credit card
company said that it was my
responsibility to request that these
charges stop going through.
problem is that I can't get through to
these companies to have these charges
stopped. I had actually requested that
one of these companies stop charging my
card and they did not. This is a big
part of the reason that I requested to
cancel the card.
legal for the credit card company to
continue allowing charges to be made to
my account months after I request the
account to be closed? If I can't ever
get through to these companies because
they are always having technical
difficulties, am I just doomed to have
the credit card account forever? Who can
I ask for help?
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 check out certain companies personally so I can recommend the
ones that are worth considering!
If you would like to speak with a representative from a...
If you are
resolving to hop off that debt treadmill
or get your credit in order in 2006,
here are my tips to help you succeed:
Review your statements
If you have run up larger balances than
usual, your credit score may take a dip
after the holidays. And that could
trigger an increase in your interest
rate on your major credit cards. Check
your statements to confirm your rate. If
it's higher than you think you
As they say,
"Knowledge is power." Many times people
either act on false information or fail
to act because they didn't know what
could be done to their benefit. This is
the case in many areas of life, but on
the top of that list is money. And in
the money category, you will find lots of
misinformation about credit.
so much to talk about on the topic of
credit myths that an entire book could
be dedicated to it.
I'm a complete financial loser for
getting myself into this mess.
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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 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.