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It makes sense to hire a professional to clean the chimney and spring is an ideal time to do so. Wait until summer and the warm, damp weather can mean a smelly chimney. But finding a well-qualified chimney sweep can seem as challenging as tackling the task on your own. According to the Chimney Safety Institute of America (CSIA), the chimney service trade is not regulated and few states require sweeps to be licensed. debt help

Regular cleaning and maintenance of a fireplace and chimney is essential to home safety. As wood burns and smoke rises up the chimney it leaves deposits of creosote on the interior of the flue. This buildup can catch fire and/or cause deadly carbon monoxide to back up into your home. The Chimney Safety Institute recommends that if you light fires in your fireplace or woodstove three or more times a week during the heating season, proper maintenance would include cleaning and inspecting the chimney once a year. If you burn green wood, twice-a-year cleaning and inspection may be necessary. counseling debt

Before you thumb through the phone book or hire someone from an add in the local shopper, consider these tips for finding a qualified chimney sweep: * Educate yourself about your chimney first. Organizations like CSIA and the National Fire Protection Association provide a wealth of information on their Web sites about chimney maintenance and safety. You can learn how frequently your chimney should be cleaned (at least once a year) and warning signs that your chimney needs care (a strong smell or smoke backing up into the house). consolidation consumer debt

* Network. Talk to friends and family members who also have fireplaces. Who do they use Would they recommend the person to someone else * Let someone else do the leg work. Web sites like Service Magic help homeowners connect with qualified contractors in their area. Since the contractors must pay the Web site to be included in their database, the service attracts qualified contractors. You ll be able to request a quote for your job, hear from potential service providers within hours (in most cases), and review the comments and opinions of other consumers who have hired the contractor. debt settlement

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Managing Your Credit Card Debts DentalPlans.com

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Managing Your Credit Card Debts

Updated: 4/4/2007 5:30:19 AM Print Article Email Article (ARA) - Credit cards are not always a bad thing, if you are smart with how you use them. They enable us to buy items immediately, eliminate having to carry cash, and record and track purchases. Disadvantages include interest, fees, and increased impulse buying. With a credit card comes certain responsibilities, and it s never too late to be smarter. consolidation debt online

Most people spread out purchases over three or four credit cards, says Howard Dvorkin, founder of Consolidated Credit Counseling Services Inc. By the time they sit down to add it all up, they have no idea what they spent, which is a huge problem. consolidation debt free

Responsibilities: * Borrow only what you can repay. Never borrow more than 15 percent of your yearly net income. * Read and understand the credit contract. Call the company for further explanation if you have questions. * Pay debts promptly, and if you cannot meet payments, notify your creditor immediately. *Never give your card number over the phone unless you initiated the call or are certain of the caller s identity. debt problem

*Avoid impulse buying. * Know your credit limit. Before You Sign Up: * Shop around for the best terms. * Don t rush into signing anything. Once a contract is signed, get a copy and keep for your records. * Know penalties for missed payments. * Understand the Annual Percentage Rate (APR). Interest rates vary greatly and the difference can substantially affect your payments. These tips will help you to use your credit cards in a positive way, but if you haven t always followed these rules, you might want to consider looking at your debt and get control of it now so you can have financial balance in the future. credit debt

Consolidating debt

into a single low-interest monthly payment has helped many people get back on the winning side of the credit card game and get a fresh start. One company that has helped many people out of debt and guided them into a positive financial future is Consolidated Credit Counseling Services who suggests you start by asking these questions: advice debt

* Are you struggling to keep up with minimum payments * Are your interest rates rising continuously * Have you received late of over the limit fees * Do your financial problems affect other areas of your life I became a Consolidated Credit Counseling Service client about a year ago and my life is now so much simpler. My worries about being able to pay my bills are gone and I know that I will be debt free in two years. In the end, this service will have saved me thousands of dollars and years of extra payments. I once again have peace and contentment in my life, says Mary Mitchell a Consolidated Credit client. card credit debt eliminate

If you answered yes to any of these, debt consolidation could alleviate your financial burden and give you a fresh start to be responsible with credit cards. For more information about credit cards, debt consolidation, and to talk to a certified credit counselor, visit www.ConsolidatedCredit.Org or call (800) 320-9929. debt recovery

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Traumatic Brain Injuries - Kids and Sports - Playing it Safe Kids and Sports Playing kids, sports, injuries, brain, doctors, Children s Health DentalPlans.com

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Kids and Sports - Playing it Safe

Atlantic NeuroSurgical Specialists Offer Tips on how to Prevent and Recognize Traumatic Brain Injury in Sports Traumatic Brain Injuries Updated: 1/19/2005 10:27:59 AM Print Article Email Article debt reduce

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