CreditShack.org

I’m giving away a $25 ShareBuilder Investment Cash Certificate.  Here’s the scoop:

We’re In Debt (soon to be “Were in Debt”) today posted a comparison of online snowball debt repayment calculators, which included the CreditShack calculator.

A couple months ago, I thought about rewriting my snowball debt calculator to include additional parameters, such as comparing the highest-balance and highest-interest-rate methods, accounting for promotional interest rates, etc. I put this idea on the back burner and forgot about it until I read the King of Debt’s article.

Rather than coming up with ideas for improvements for this calculator on my own, I turn it over to you, oh readers. Please send me your suggestions for improving the debt snowball calculator by leaving a comment at the bottom of this post. Alternatively, send in suggestions for innovative new calculators that you’d find helpful (but don’t yet exist).

In the spirit of Free Money Finance, I’ll be giving away a $25 ShareBuilder Investment Cash Certificate to one lucky person who submits an insightful suggestion. (ShareBuilder is a discount stock brokerage.)

To be eligible to win the ShareBuilder certificate, you must leave at least one suggestion concerning a debt calculator in a comment below.

I’ll announce the winner on this blog Friday, February 2.

P.S. You may be able to combine the Sharebuilder cash certificate with a ShareBuilder bonus code.

Here are the tough-sounding rules:

1. You may submit up to three (3) suggestions. (You can do this all in one comment or spread them out in three comments; does not matter to me.) Your odds of winning are probably better with three suggestions than with two. Two is probably better than one. One is definitely better than none.

2. By submitting a suggestion, you acknowledge that your comment may be published publicly. You will not receive any payment or royalties should I decide to use your suggestion.

3. I will send the ShareBuilder certificate to U.S. mailing addresses only.

4. The drawing will be final. No recounts. No hanging chad. No whining. I will select the winner according to my own, arbitrary criteria. My criteria may include, but is not limited to: shuffling comments on the floor, throwing darts, asking street performers, Merit, or first-order derivatives of the number e.

5. I make no guarantees that your postal carrier won’t steal the envelope containing the gift certificate or that punk kids won’t blow up your mailbox. Moreover, I make no guarantees concerning your eligibility to open a ShareBuilder account and use your certificate.

6. On February 2, I will announce the winner on this blog and contact the winner by the e-mail address provided with the comment. (Your e-mail address will not be published publicly.) The winner must send me his mailing address within a week to accept the certificate. If the winner does not respond by February 9, I reserve the right to find another winner.