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How to be More Credit Card and Debt Smart

Author: Scott Bilker

Publisher: Press One Publishing

Published: 2002

Total Pages: 66

ISBN-13: 0964840138

The most demanded information from DebtSmart?! How to stop the banks from taking advantage of you, get the best lending deals, get financially organized, pick the right mortgage, make more money, finance your next car, personal stories, Q&A, and much more! Scott Bilker, author of ?How to be more Credit Card and Debt Smart,? is also the creator of DebtSmart.com and the author of the best-selling book, ?Credit Card and Debt Management.?

The Smart & Easy Guide To Credit Card Debt Relief

Author: Richard Norris

Publisher: Createspace Independent Publishing Platform

Published: 2013-10-22

Total Pages: 0

ISBN-13: 9781493558216

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If you think credit cards can make your life hard by burdening you with debt, try living without them for a while. Unless you are living in a cave of Tora Bora, life can come to a complete stop without credit cards these days. How to strike the balance between enjoying the benefits of credit cards while avoiding their ills? This is just one of the questions you will find answers to in The Smart & Easy Guide To Debt Relief: The Ultimate Guide Book To Credit Cards, Debt Consolidation, Debt Settlements, Debt Counseling, Debt Management & Other Options To Pay Off Credit Cards & Become Debt Free. After reading this book, you'll know the ins and outs of credit card debt, and it's weighing down on you, you'll find yourself on the road to financial freedom. Here are a few more things about credit card debt that this book tells you: -How to minimize the negative impacts of credit card use -Unusual tips for getting and using credit cards -Why credit card debts happen-how to get rid of them -Easy steps for curtailing and eliminating credit card debt -How to get help in case you are under debt -Debt consolidation-pros, cons and procedure -Methodical payoff versus bankruptcy -Life after debt relief Written for today's fast paced world where people don't have much time to go through piles of information and guidelines, this book simplifies complex debt relief laws and procedures for an average reader, and provides complete step by step guidance to make and keep you debt free. The Smart & Easy Guide To Debt Relief: The Ultimate Guide Book To Credit Cards, Debt Consolidation, Debt Settlements, Debt Counseling, Debt Management & Other Options To Pay Off Credit Cards & Become Debt Free will help you all the way. Most people wind up under credit card debts because they are unable to comprehend the idea behind credit cards. They give in to impulses and slack on their payments, getting hit with late payment charges and heavy interest. The debt keeps piling until it becomes crushing, and the debtors find themselves unable to repay. Soon, people are looking for more credit cards or personal loans to pay the debts on their existing credit cards and keep the cycle going, but this cycle is more like a downward spiral, which gets them under heavy debt. Credit card debts are not uncommon in our society, though, and anyone who is lagging behind on payments should not feel ashamed to ask for legitimate help. The problem is (was) that very little impartial and genuine advice is available for people who are either already under debt or using the credit cards wrongly. All products rely on glitzy advertising to stir impulses, and credit card comes in handy when it's time to pay. There's no card that comes with a "use prudently" warning printed on its front side. Credit card users realize their problems only when they have ended up under debt. But The Smart & Easy Guide To Debt Relief: The Ultimate Guide Book To Credit Cards, Debt Consolidation, Debt Settlements, Debt Counseling, Debt Management & Other Options To Pay Off Credit Cards & Become Debt Free is here to help you get out from under it. This book provides valuable and unbiased guidance for all credit card users for avoiding getting into and getting rid of credit card debt. As credit cards are endemic in today's society, this book should be read by everybody who wants to use them smartly. Credit is good in the sense that you can avail discounts and get the things you want without wasting time waiting for the money to arrive. However, if you are not careful with how you spend and manage your credit card debt, you might be exposed to the unfriendly side of credit cards, a side that you don't want to see. Grab your copy today of The Smart & Easy Guide To Debt Relief: The Ultimate Guide Book To Credit Cards, Debt Consolidation, Debt Settlements, Debt Counseling, Debt Management & Other Options To Pay Off Credit Cards & Become Debt Free!

How You Can Profit from Credit Cards

Author: Curtis E. Arnold

Publisher: FT Press

Published: 2008-06-06

Total Pages: 353

ISBN-13: 0132703459

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Who would not be interested in getting an interest-free loan for 12 months for any type of purchase just for taking a few minutes to complete a credit card balance transfer offer? Or a free round-trip airline ticket twice a year just for making purchases on a rebate card? Or lowering their insurance premiums by hundreds of dollars a year just by raising their credit score? Obviously, just about every consumer is interested in saving money and getting freebies! Hence, the universal appeal of this book cannot be overstated. Today, the average American household has 12.7 credit cards. Banks maximize their profits by "nickel and dimeing" and outsmarting their cardholders: that's why credit cards are their most profitable product. Banks spend billions enticing consumers with rebates, freebies, low-introductory rate offers, and airline miles. Learn how to take full advantage of these offers, without paying for them through brutally high interest rates, fees, and penalties! Arnold offers specific advice targeted to young consumers who are being aggressively targeted by credit card marketers; retirees facing credit discrimination; Americans recovering from bankruptcy or other debt problems; and even consumers with great credit. You'll learn the techniques he has personally used to escape credit card debt, "creatively finance" his wedding, car, and home purchases, and earn thousands in credit card "perks" every year.

The Charles Schwab Guide to Finances After Fifty

Author: Carrie Schwab-Pomerantz

Publisher: Crown Currency

Published: 2014-04-01

Total Pages: 434

ISBN-13: 0804137374

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Here at last are the hard-to-find answers to the dizzying array of financial questions plaguing those who are age fifty and older. The financial world is more complex than ever, and people are struggling to make sense of it all. If you’re like most people moving into the phase of life where protecting—as well as growing-- assets is paramount, you’re faced with a number of financial puzzles. Maybe you’re struggling to get your kids through college without drawing down your life’s savings. Perhaps you sense your nest egg is at risk and want to move into safer investments. Maybe you’re contemplating downsizing to a smaller home, but aren’t sure of the financial implications. Possibly, medical expenses have become a bigger drain than you expected and you need help assessing options. Perhaps you’ll shortly be eligible for social security but want to optimize when and how to take it. Whatever your specific financial issue, one thing is certain—your range of choices is vast. As the financial world becomes increasingly complex, what you need is deeply researched advice from professionals whose credentials are impeccable and who prize clarity and straightforwardness over financial mumbo-jumbo. Carrie Schwab-Pomerantz and the Schwab team have been helping clients tackle their toughest money issues for decades. Through Carrie’s popular “Ask Carrie” columns, her leadership of the Charles Schwab Foundation, and her work across party lines through two White House administrations and with the President’s Advisory Council on Financial Capability, she has become one of America’s most trusted sources for financial advice. Here, Carrie will not only answer all the questions that keep you up at night, she’ll provide answers to many questions you haven’t considered but should.

Credit Card and Debt Management

Author: Scott Bilker

Publisher: Press One Publishing

Published: 1996

Total Pages: 146

ISBN-13: 0964840197

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Which credit card is REALLY offering the best deal? How do you refinance debt using existing credit cards? Why is it sometimes better to use credit cards instead of a home equity loan? How long will it take to pay back ALL your debt? The answers to these and many more questions are contained in this powerful guide to consumer credit management. Using numerous real-life examples the reader is shown how to lower monthly payments, save money on finance charges and reduce the interest rates of loans. By applying these valuable strategies, it is possible to save thousands of dollars!

Lower Payments, Lower Rates

Author: Howard Jerk

Publisher: Independently Published

Published: 2024-02-02

Total Pages: 0

ISBN-13:

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Here is a draft book description using the title "Lower Payments, Lower Rates" by Howard Jerk: Sick of forking over half your paycheck to credit card companies every month? Tired of high interest fees yet barely making a dent on your balances? Financial expert Howard Jerk feels your pain. In his new book Lower Payments, Lower Rates, Jerk reveals how tapping into your home's equity can provide a lifeline to slash interest costs and free yourself from credit card debt once and for all. Through step-by-step guidance and real-life examples, Jerk shows how using a home equity loan or line of credit to consolidate debt can lead to substantially lower interest rates - we're talking 3-6% vs. 15-25% on credit cards. This translates to thousands in savings over the long run, allowing you to pay off balances faster and with lower monthly payments. Jerk provides insider strategies to calculate your available home equity, compare loan products from lenders, and walk through the application process. Learn how to responsibly leverage your biggest asset - your home - to crush high-interest credit card debt. Take control of your finances and stop needlessly enriching credit card companies every month. This practical guide provides everything you need to utilize low-cost home equity and start saving. With Jerk as your guide, you'll be empowered to make smart financial decisions that finally provide relief from expensive credit card debt. If you're ready to start lowering payments and rates, this book shows you how your home can make it happen. Sick of forking over half your paycheck to credit card companies every month? Tired of high interest fees yet barely making a dent on your balances? Financial expert Howard Jerk feels your pain. In his new book Lower Payments, Lower Rates, Jerk reveals how tapping into your home's equity can provide a lifeline to slash interest costs and free yourself from credit card debt once and for all. Through step-by-step guidance and real-life examples, Jerk shows how using a home equity loan or line of credit to consolidate debt can lead to substantially lower interest rates - we're talking 3-6% vs. 15-25% on credit cards. This translates to thousands in savings over the long run, allowing you to pay off balances faster and with lower monthly payments. Jerk provides insider strategies to calculate your available home equity, compare loan products from lenders, and walk through the application process. Learn how to responsibly leverage your biggest asset - your home - to crush high-interest credit card debt. Take control of your finances and stop needlessly enriching credit card companies every month. This practical guide provides everything you need to utilize low-cost home equity and start saving. With Jerk as your guide, you'll be empowered to make smart financial decisions that finally provide relief from expensive credit card debt. If you're ready to start lowering payments and rates, this book shows you how your home can make it happen.

Financial Peace

Author: Dave Ramsey

Publisher: Lampo

Published: 2002-01-01

Total Pages: 268

ISBN-13: 9780963571236

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Dave Ramsey explains those scriptural guidelines for handling money.

The Ultimate Credit Handbook

Author: Gerri Detweiler

Publisher: Plume Books

Published: 1993

Total Pages: 372

ISBN-13: 9780452277120

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Detweiler, a former director of Bankcard Holders of America, draws on her years of expertise in counseling consumers with credit problems to write the definitive handbook on how to have more credit, get out of debt, and live a lifetime of financial stability and prosperity.

Top 10 Secrets for Managing Credit Cards and Paying Bills Successfully

Author: Therese M. Shea

Publisher: The Rosen Publishing Group, Inc

Published: 2013-07-15

Total Pages: 66

ISBN-13: 1448893658

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Most teens learn about managing credit and other financial matters from their parents. But with the average American family carrying more than $7, 000 in credit card debt, teens clearly need additional sources of information about personal finance. In this book, the author shares ten simple rules, or "secrets, " for managing bills successfully and avoiding the debt trap. With clear explanations, a helpful glossary, and fascinating financial facts, it can help teens build a foundation for a healthy financial future.

The Smart Consumer's Guide to Good Credit

Author: John Ulzheimer

Publisher: Simon and Schuster

Published: 2012-05-01

Total Pages: 197

ISBN-13: 1621531430

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Most credit books promise quick fixes and easy solutions to bad credit, but the truth is there is no quick fix when it comes to credit. Your best strategy as a smart consumer is to understand your credit inside and out. Credit expert John Ulzheimer can give you all the tools you need to master the world of credit, before or after you get into trouble, and take the power back into your own hands. Topics covered include: • The difference between a credit score and a credit report • The best way to deal with collection agencies • How to monitor your credit report • Protecting yourself from identity theft • The impact of student loans on your credit score • How to opt out of unwanted credit card offers The Smart Consumer’s Guide to Good Credit answers all of your questions about credit (including the ones you didn’t even know you should be asking!) and yes, even explains the best ways to work toward improving a bad credit score.