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Podcast 93: Debt Free for Life, David Bach

David Bach: Thank you. It's great to be back with you guys.

Bryan: Yeah. Thus, the last time you were on the show a year ago, you talked about starting over a year and can make a big difference in someone's finances, not to mention everyday life. Have you seen the success of people who have their financial statements on the right track last year, increasing savings, paying down debt, invest more?

David: Yes, we really do. In fact, it was unbelievable.I think the biggest change I've seen my business over the last 12 months is the opportunity to hear from my readers much more quickly because of Facebook.

We now have 14,000 people in our community Facebook. Thus, between e-mail and Facebook every day now we have success stories. And they come in - I think today alone we had six success stories. It's just been incredible.

And the great thing I said last year was that a recession is a terrible thing to lose, and there would be opportunities to make money in this recovery.And if you look at everything I have written to Start Over, Finish Rich, everything has become reality.

Last year we had one of the best years we have seen in the stock market in 20 years. And so a lot of people who have followed my advice have made money in the stock market, people still make money in real estate, and especially the people have really been paying their debts. And that's what excited me on, to see most people pay their debt.

Bryan: Oh yeah, me too. And what is the address of Facebook?

David Facebook.com / davidbach.

Bryan: Great thank you. So, let's debt for a second. Some financial advisers have argued that some of the debt is actually good, like student loans because you're investing in your future and a higher salary, or a mortgage, because it is a loan for an asset that appreciates in general, and you can even get a tax deduction on mortgage interest. How are your opinions about good debt and bad debt changed in the last year?

David: I think my opinion has changed in the same way that millions of Americans views have changed since the recession.I grew up in the world of financial investments. I started going to the categories of investment at the age of seven years because my father was teaching them, and I spent nine years doing the retirement planning of Morgan Stanley.

How To Get More Rewards From Your Credit Card With These 5 Tips ...

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1.use card regularly

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"Partners bonus 2.Use

Most providers of payment cards have a range of business partners with whom they offer bonus reward points. Using your credit card to go with these partners bonus you will also receive extra points and more reward points you made by your card provider.

Sometimes you can win up to four points per dollar spent using your card with "bonus partners.

3.Country which your balance regularly

One of the biggest mistakes of payment card rewards customers get is to maintain a balance on their loyalty card.

If you hold a balance on your card, chances are you will pay interest at anything between 15% and 20%. You could be paying hundreds of dollars each year in interest charges.

While the value of your rewards can be good, it is likely that you'll pay much more in interest credit card to the value of rewards you earn. So if possible, you must pay your card balance every month awards. If this is not possible, consider moving your balance from your card rewards card "balance transfer" before using your rewards card in the future.

4.Consider update your card

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