Higher credit card interest rates, involuntary closed accounts, and reduced credit limits are negatively impacting consumers and their credit reports. There has never been a more demanding time than now for American consumers to GET SMART ABOUT CREDIT™ and develop a SMART Debt Management Plan™ to get out of credit card debt.
Financial planning can be a challenge for anyone. People may take on mortgages they can’t afford, incur too much high-interest-rate credit card debt, invest too aggressively in the stock market, or fail to establish a strong financial foundation. Now more than ever, consumers need more and better financial education.
If you found yourself among two groups of people, do you think you’d be
more likely to be among the group consisting of 70 people or the group
of 30 people? Statistically, of course, you are much more likely to be
in the larger group.
People with two jobs may find that they have not had enough withholding
to cover their tax liability at the end of the year, resulting in a
reduced refund or no refund at all. Smart clients will review their
withholding situation now, while there is time to make adjustments.
Your regular health insurance should pay most of the doctor and
hospital bills. But there are usually hundreds of dollars of
deductibles and copayments (including those for prescription drugs)
left over. Plus, if you are in a managed-care plan and go outside the
approved network, there could be additional charges.
If you found yourself among two groups of people, do you think you’d be
more likely to be among the group consisting of 70 people or the group
of 30 people? Statistically, of course, you are much more likely to be
in the larger group.
People with two jobs may find that they have not had enough withholding
to cover their tax liability at the end of the year, resulting in a
reduced refund or no refund at all. Smart clients will review their
withholding situation now, while there is time to make adjustments. 
Your regular health insurance should pay most of the doctor and
hospital bills. But there are usually hundreds of dollars of
deductibles and copayments (including those for prescription drugs)
left over. Plus, if you are in a managed-care plan and go outside the
approved network, there could be additional charges.
ShopSmart Poll: Only 29% of Women Will Switch Pet Food Brand to Save Money but 68% Willing to Change Over-the-Counter Meds