Almost Free Loans To Pay for Cancer Treatment!

[Guest guest]

Cancer treatment from a professional can be expensive, whether

mainstream OR alternative. This is about how I have managed to deal

with a rather large expense I incurred this year for cancer treatment:

Though I certainly believe alternative treatment for cancer is far

preferable, whenever possible, there have been times during the 18

years since I was diagnosed with lymphoma, when all I was doing

alternatively was not working, the cancer was growing, and I felt I

had run out of time to try still another alternative treatment. At

those couple of times, I have resorted to the least possible

mainstream treatment I could in order to get the cancer back under

control.

Those treatments have not been cheap. Most recently, I had 19 low-

grade radiation treatments to get rid of,(possibly once and for all),

the tumors in my neck that have continued to recur. The treatments

cost me a total of about $15,000 dollars, and that was with the 20%

discount I received as a self-paying client.

Toward the end of the treatments, surrendipitously, I received a

soliciation in the mail for a credit card that offered to allow me to

do credit balance transfers at 0% interest for 15 months, while

charging me only $50 dollars, no matter what the amount of the

transfer. Not only that---they would allow me a one-time transaction

where I could transfer money from my line of credit into my checking

account under the same terms---15 months at 0% interest with a $50

dollar fee cap.

When I saw that offer, I went looking for other, similar offers, and

was able to find something comparable, where another credit card

would allow me 12 months on credit balance transfers at 0% interest,

with a $75 dollar maximum fee.

I applied for both cards and was quickly approved for both. (My wife

and I have maintained excellent credit scores, even though we buy

very little on credit, and we ALWAYS pay our entire bill when it

comes.)

I then took my maximum possible cash advance on the first card of

$11,500 dollars and had it deposited to my checking account, from

which I immediately transferred it into our money market account that

pays 5.36% APR. Without subtracting the minimum monthly amount I will

have to pay the credit card company, that $11,500 dollars will, over

15 months at 5.36%, earn about $770.55. The minimum monthly payment

is about $138.00, so I will make a profit of at least $580.00 at the

end of the 15 months.

Then, I paid off the entire $15,000 dollars using the other credit

card, and will pay a similar monthly minimum payment monthly on that

one, plus the $75 dollar fee.

The best deal the hospital would have been willing to allow me was 10

months of paying them $1500 dollars a month. OR they were willing to

put me in touch with a finance company that would have worked out

something much less desirable than what I was able to accomplish with

those two credit cards.

It pays to maintain a good credit score, even if you don't buy much

of anything on credit, which my wife and I do not.

Best wishes,

Elliot