Debt Smart

Debt smart

Debt smart

Debt Smart June 16, 2015 at 4:46 pm 0 comments

By Scott Bilker Scott! I’ve been living here in already expensive Hawaii for 30 years and finally the stagnant local economy surges (low interest/ real estate boom, sending cost of living from outer stratosphere to the moon!! 🙁 I have about $20,000 spread over five cards (in three years time)Read More

Debt smart

Debt smart

Debt Smart June 9, 2015 at 3:53 pm 0 comments

By Scott Bilker Scott, My husband and I filed for bankruptcy a few years ago. Since then we have established good payment records with high interest credit card companies. I’m ready to drop them and transfer my balances to a lower interest rate card(s). When I start looking on theRead More

Debt smart: are bank charges negotiable?

Debt smart: are bank charges negotiable?

Debt Smart March 2, 2015 at 2:40 pm 0 comments

By Scott Bilker   Hi Scott, This just happened to me in the last few weeks. I spoke to my bank (Bank of America aka BOA) about overdraft protection, which they said was a free service. I agreed to sign up for it. My overdraft protection is linked to ourRead More

Debt smart

Debt smart

Debt Smart January 23, 2015 at 7:05 pm 0 comments

By Scott Bilker Aloha Scott! Been living here in already expensive Hawaii for 30 years and finally the stagnant local economy surges (low interest/ real estate boom/, sending cost of living from outer stratosphere to the moon!! 🙁 I have about $20,000 spread over five cards (in three years time)Read More

Is your credit score costing you a fortune?

Is your credit score costing you a fortune?

Debt Smart January 17, 2015 at 5:39 pm 0 comments

By Scott Bilker While some surveys show that nine out of 10 consumers are unaware what their credit score is, I’d like to quickly share with you how your credit score could be costing you a fortune … in more ways than you can imagine. We all know a lowRead More

Debt smart

Debt smart

Debt Smart December 12, 2014 at 1:56 pm 0 comments

By Scott Bilker Scott, I carry multiple credit cards and have enjoyed very much having banks compete for my business. Thanks to your publications, I have several fixed-for-life, low interest accounts, some of which are only 1.99% APR. Now, due to this financial economy banks are running scared. I haveRead More

Protect your retirement, convert your 401K to gold

Protect your retirement, convert your 401K to gold

Debt Smart December 2, 2014 at 5:20 pm 0 comments

By Scott Bilker Preparing for retirement can be an incredibly daunting task. Considering everything that’s going on in the market and around the world, reliance on Social Security and company-provided retirement plans are becoming more and more dangerous. However, there is one steadfast way to protect your retirement. By convertingRead More

Debt smart

Debt smart

Debt Smart November 21, 2014 at 1:09 pm 0 comments

By Scott Bilker Debit cards have become a very popular way to pay for everything from fast food to rental cars. The Federal Reserve reports that debit card transactions have been growing more than 20 percent annually and have surpassed credit card transactions. The appeal is understandable. Debit cards areRead More