This practice
also allows them to earn points faster toward free travel and many of
the small business programs offer promotional coupons for free car
rental days or free nights lodging for frequent patronage.expediabusinessadvantage . For meetings of 10 or more, American
guarantees domestic zone fare discounts ranging from 40 to 70 percent
off full, unrestricted Coach rates.jhtml for more information.

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com) allow small businesses to
earn "Starpoints" for every eligible dollar spent at any of Starwood's
hotels and resorts -- including Sheraton and Westin hotels -- whether
they're traveling for business or leisure. We'd like to hear
from you, too. This year,
more than 4,000 bankers will help fill the need for financial education by
teaching money skills in classrooms across the country.

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"
TrueCredit's mission is to help consumers understand and manage
their credit.

"With soaring bankruptcy filings and a national savings rate of 1.

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For
instance, National Car Rental offers the On the Go Meeting +
Convention Program, which provides guaranteed rates for pre-planned
meetings or conventions , customized materials for meeting and
convention attendees, as well as many other valuable benefits .

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----With the
April 15 income tax deadline looming, TrueCredit."
"By learning about their debt and how to manage it, consumers can
get the best deals on life's big purchases and can safeguard against
interest rate shifts," added Danaher. Small business travelers can also earn frequent
flyer miles and coupons for use on leisure rentals through National's
Business Program, while small businesses save money with benefits like
unlimited mileage for round trip rentals when booked under the
Business Partner Program. Also, Teen Research Unlimited found that teenagers spent
$175 billion last year , an average of $104 per week. Show them how an ATM works and explain that to
take money out of the bank you must first put it in.

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com or
contact Zachary Hastings Hooper, 202-777-2255 or
Zachary@rosengrouppr.com

Methodology

Roper Public Affairs conducted this study using Random Digit
Dialing (RDD) methodology from February 25 to February 27, 2005. A
total of 1,004 interviews were conducted among adults across America. A wholly owned subsidiary of
TransUnion, TrueCredit is located in San Luis Obispo, CA. Hotel
programs like Starwood Preferred Business
(http://www . Companies that enroll now can also save 10 to 20 percent off
Starwood's published corporate rates . Then it will just be a matter of ensuring small
businesses are aware of them, which is what the ASBTA plans to do.com/content/businessPrograms/groupsMeetings/
Associations."
Here are tips on how to make every day "savings day:"

* Help kids open up their own savings account and make deposits
regularly. Many banks have no-fee, no-minimum balance children's
accounts. As they get older, give them
responsibility for how they spend their money.

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TrueCredit Asks ''How Are You Going to Spend Your Tax Refund?''; Four in Ten Opt to Pay Their Bills Instead of Shopping Spree

com. The
margin of error for the complete sample is +/- 3 percentage points . American's Business ExtrAA program
(www. "Most travel experts will tell you that small
business travelers generally save more money when they do most of
their business with a few preferred travel service providers, such as
a particular airline, car rental company or hotel chain.

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Only 9 percent said they
would splurge on something fun." brand promise, TrueCredit helps millions of consumers protect
and improve their credit through a suite of secure and easy-to-use
products. Each time an employee
uses his or her Business ExtrAA account number when purchasing
qualifying tickets on American Airlines, American Eagle(R), or
AmericanConnection(R), they earn AAdvantage(R) miles and the company
earns Business ExtrAA points, redeemable for travel awards which may
be used for future company travel or given as promotional gifts. Starpoints can be redeemed
for free nights, free room upgrades, free airline flights and employee
rewards.com.

* Talk to your child about the family budget.

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To learn more, please visit www.com), which
was formally launched in late 2004. Businesses enrolled in this free
online service have access to the many advantages normally offered
only to paid members of Expedia's(R) Corporate Travel site, including
business-friendly rates and special offers for flights, hotels and car
rentals, as well as corporate agent support . Remove the extra space if one exists. To achieve its
mission, ASBTA will utilize an integrated communication program while
working closely with travel-industry companies in sectors such as
airlines, hotels and lodging, car rental companies, travel agencies
and other companies that serve small business travelers.asbta.

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"The average consumer owes $8,400 in credit card debt
these days, so it makes sense to use a tax refund to reduce their debt
burden. Named "Best of the Web" by Online Banking Report for its
identity protection program, TrueCredit's online products include
credit reports and credit scores, as well as debt management and
identity theft insurance services.
"With small business employees accounting for more than 50 percent
of the private work force, it's no wonder the travel industry is
putting a major focus on marketing to that segment," said Chet Gray,
ASBTA vice president of Sales and Marketing.
Similarly, National Car Rental's Business Partners Program
(www.)
"As you investigate these programs, you really begin to see how
small businesses can multiply their savings by taking advantage of
them today," said Gray."

About ASBTA:

The American Small Business Travelers Alliance (ASBTA) is a
national, non-profit organization serving small business travelers by
providing information regarding resources and services, savings on air
fares, car rentals, and accommodations, as well as and technology
designed to improve and enhance the travel experience.

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Age, gender, income and geographic information was collected. Manage your
life."

Save 10-20 Percent on Hotel Rates

Good programs prove that selecting preferred travel service
providers does not necessarily mean limiting travel options. If your
bank doesn't offer this, use another reward.

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"With interest rates rising, consumers are paying more attention
to their financial situation," said John Danaher, President of
TrueCredit.nationalcar. Give us a call or e-mail us at info@asbta."
According to studies, about 85 percent of students do not learn personal
finance in school.

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Travel Industry Boosts Marketing To Small Business Customers; Airlines Car Rental Agencies and Online Travel Sites Offer Significant Savings via New Targeted

This spending habit and
a lack of financial training could mean dangerous consequences later in life,
says Susan Cole, director of the ABAEF.

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TrueCredit has been a leading provider of credit management
services since 1995.
"The best part of programs like those offered by American Airlines
and National Car Rental is that they are in alignment with what travel
industry experts agree are proven best practices for small business
travel," said Gray.starwoodpreferredbusiness. "I think we'll continue to see more
programs designed expressly for small business travelers launched in
the months ahead.
Small businesses that arrange travel for their next meeting
through American Airlines can receive five percent off published fares
and 10 percent off full Coach, Business or First Class airfare when 10
or people more fly American.6
percent, financial education is more important now than ever," said Donald G. "Yet, only seven
states currently require students take a personal finance course.
"Kids need to learn financial lessons early when they have their parents
as a safety net," said Cole.

* Make going to the bank fun! Some banks have kids clubs where members
get newsletters or receive balloons when they make a deposit. Talk about wants and
needs .

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businessextraa.com) offers small businesses complimentary
memberships for all traveling employees to the company's Emerald Club.) (Due to its length, this URL
may need to be copied/pasted into your Internet browser's address
field. If you're a
small business owner and want to learn more, visit our site and
register (free until Dec. WASHINGTON, Children across America will learn
the financial facts of life tomorrow on the ninth annual National Teach
Children to Save Day (NTCSD) , a program of the American Bankers Association
Education Foundation (ABAEF) to teach kids basic saving and money management
skills.

* Kids love to get mail, so keep an eye out for their monthly statement.

* Give your kids positive feedback.

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Conducted by Roper Public
Affairs, the survey also found 28 percent would buy something they
need and 26 percent would save the money.

"

Discounts for Travel to Meetings

In addition to providing discount and reward programs, leading
companies are also offering services that help small businesses plan
and coordinate meetings and conventions that require travel. "By carefully choosing the reward and discount
programs that work best for their particular needs and combining them
with free services like Expedia(R) Business Advantage, small
businesses can travel like the 'big boys' and save money at the same
time.

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Through online educational materials, free monthly
newsletters and easy-to-use credit products, TrueCredit educates
consumers about credit management and empowers them to improve their
borrowing habits . Dedicated to its "Manage your credit.
"Programs like these are just a few examples of how the travel
industry is really beginning to recognize that the historically
overlooked small business traveler is just as important as the
corporate traveler," said Gray. (Visit
http://www.com if you
have questions or want to share ideas about what small business
travelers really need and how ASBTA can serve you effectively. Call us
at 469-648-0190.

Frugality is the practice of economy in spending money or using resources.

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ASBTA is a
national, non-profit alliance that provides valuable services and
functions focused specifically on the travel needs and interests of
small business owners. Zone fares require no
Saturday-night stay, so they're perfect for mid-week meetings.aa.

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"While most loyalty
programs in the past have been designed for the individual or
corporate traveler, new programs and services are now geared toward
small businesses and their employees who travel.
Small businesses that aren't members of or don't want to join a
travel program can take advantage of services like Expedia's(R)
Business Advantage program (www.

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Business Editors

SAN LUIS OBISPO, Calif.com commissioned a
new survey asking, "How would you be most likely to spend your tax
refund?" Forty one percent of respondents reported they would pay
credit card, mortgage or other bills.
The margin of error for subgroups may be higher."

Best Practices for Small Business Travel

Major carriers such as American Airlines have introduced enhanced
loyalty programs that allow small businesses to manage business travel
while earning award points.

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com), for example , enables both business owners
and their employees to earn rewards on travel.
This program enables members to skip long lines through expedited
rental service at most airports and gives them access to exclusive
reservation numbers.

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truecredit. Reinforce this by budgeting for a family outing or purchase.

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Business Editors/Travel Writers

DALLAS----The American travel
industry is increasingly courting small business owners by creating
programs designed specifically for their unique needs, reported the
American Small Business Travelers Alliance (ASBTA).

* Children know that money doesn't grow on trees, but they may think it
comes out of a wall.

This category lists sites related to frugality in homemaking.

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"This survey is a good
indication that consumers are getting more cautious about managing
their credit and their finances. 1, 2005) at www.

Kids Learn Financial ABC's on National Teach Children to Save Day

Ogilvie, president and CEO, American Bankers Association. "If you're just learning about saving and
budgeting when your first car payment is due, you could be in trouble.