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    Credit Counseling and Its Effects
    All to often credit is fun, easy to get and even easier to use. Many people find that even though they have an excellent income, that they can not keep up with their current debt load and even if they are managing to make their monthly payments they are not getting ahead. Is there a solution to this situation without having to claim bankruptcy or adversely effecting your credit score?Credit counseling may very well be the answer for this type of situation. Credit counseling is designed to help correct your problem without impacting your credit score and may actually help improve your credit score. Credit counseling works by ensuring that a
    athrooms. In fact, ventilate the whole house weather permitting. Recent studies show indoor air pollution is worse than outdoor, even in the big city.

    +Have your home tested for radon gas, mold, lead, asbestos and other more common pollutants.

    +Use solid wood or at least seal any plywood or particleboard.

    +Install hard floors and use very few rugs. Hard floors, which you can wipe clean, won’t harbor VOCs residue from cleaners and aerosols like carpets do. Choose stone, tiles or hardwood floors with nontoxic varnishes.

    Also, when making purchases for your home be it bed sheets or renovation plans, google for product information and read labels to find out about the products safety. Look for “low-emitting,” “pesticide free,”"no outgassing” or “no offgassing,” and other related key phras

    How to Get the Best Cheapest Homeowners Insurance
    You want to get homeowners insurance but you don't want just any insurance, you want to get the best insurance at the best price. Here's how to get the best cheapest homeowners insurance.Best Homeowners InsuranceThe best insurance is insurance with a reputable company that will give you good service and will pay your claims on time. There are two websites where you can check up on a company's service and claims reputation:* J.D Power (jdpower.com) rates insurance companies based on how customers are treated, how they like their policies, how they like their policy's price, and how they like their agents. This is a good
    My husbands cigarette box, courtesy the government, lists a handful of ingredients: Tar, Nicotine, Carbon monoxide, Formaldehyde, Hydrogen cyanide, and Benzene. There are probably more to list, but the flap is only so big. Many families with smokers have taken measures to keep their children (or themselves) away from smoke. They take it to one ventilated room, take it outside, or for the ultimate and only full protection they wisely abandon smokes forever.

    You’re no doubt aware of that, considering all the media attention on a cigarette’s toxic fumes. What you may not be aware of is the “ingredient list” of everything that remains in your home. There are still dangerous fumes in homes everywhere, and I’m not talking about so and so’s habit of breaking wind.

    Our homes have their own toxic sludge, even sharing some “ingredients” with cigarettes, like Formaldehyde!

    Did you know?

    *Wrinkle-free sheets contain formaldehyde. Your mattress probably does too!

    *Some bath towels contain toxic chemical residues.

    *If a family members workplace has issues with asbestos, lead, or other toxins, said toxins can be carried home!

    *That “new car smell” is Vinyl chloride, a known carcinogen.

    *Is your house over 30 yrs. old? Until the ’70’s many paints, floor finishes, and possibly more home renovation supplies still contained lead.

    *Do you have a wood deck or swing set in your back yard put in before 2004? Weather resistant lawn items made before a certain 2004 (US) ban contain arsenic.

    *Most popular home cleaning products contain Volatile organic chemicals (VOCs) which are linked to various medical problems including cancer.

    Craig Mouldey, the Wood Flooring Guy (http://www.woodflooringguy.com/) says, “there are many products in our homes, including plywood, the core of cabinets, and likely even laminate that use a urea-formaldehyde adhesive.” Your furniture, your carpets, pretty much everything made by man contains VOCs.

    The National Academy of Sciences estimates that 15% of the population currently suffer from Multiple Chemical Sensitivities and Environmental Illness due to the toxic environments we live in. So many home toxins are in fact, like cigarettes, linked to cancers and other debilitating illnesses. The next front in health may be the home front.

    Tips for Clearing the Air in Your Home

    -Avoid chemical products and cleaners

    +Instead use common baking products like vinegar and baking soda or purchase “all-natural” non-chemical cleaners. If you have a closet full of chemicals, call your local government office for information about their disposal. They consider these items hazardous waste!

    -Avoid the use of aerosol sprays (Includes hygiene products!)

    +Search for alternatives to aerosol cleaners and hygiene products. If you’re an air freshener addict you can substitute it with an open box of baking soda in every room. You can use herbs as potpourri. For more substitutions see this page from NY’s DEC website. (http://www.dec.state.ny.us/website/dshm/redrecy/hhw1.htm)

    +Keep up on maintenance of furnace, air conditioners, etc. Consider investing in some kind of air filter or cleaner.

    +Ventilate high humidity areas such as bathrooms. In fact, ventilate the whole house weather permitting. Recent studies show indoor air pollution is worse than outdoor, even in the big city.

    +Have your home tested for radon gas, mold, lead, asbestos and other more common pollutants.

    +Use solid wood or at least seal any plywood or particleboard.

    +Install hard floors and use very few rugs. Hard floors, which you can wipe clean, won’t harbor VOCs residue from cleaners and aerosols like carpets do. Choose stone, tiles or hardwood floors with nontoxic varnishes.

    Also, when making purchases for your home be it bed sheets or renovation plans, google for product information and read labels to find out about the products safety. Look for “low-emitting,” “pesticide free,”"no outgassing” or “no offgassing,” and other related key phrase

    Managing Stress - Hire the Right People
    Managing stress is not easy if you don't have the right people in your business or team.One of the biggest challenges any business owner or manager has is hiring the right people.I've recently discovered a simple, inexpensive yet very effective way which will help you get it right.This week I've asked Nathan Chanesman, Managing Director of Myprofile Pty Ltd. to please explain…"Without quality employees who share your vision and work ethic your business is not going anywhere.So how do you find the "right" employee?We've all experienced hiring the "wrong" person. It's a nightmare. Hiring mistakes costs mone
    even sharing some “ingredients” with cigarettes, like Formaldehyde!

    Did you know?

    *Wrinkle-free sheets contain formaldehyde. Your mattress probably does too!

    *Some bath towels contain toxic chemical residues.

    *If a family members workplace has issues with asbestos, lead, or other toxins, said toxins can be carried home!

    *That “new car smell” is Vinyl chloride, a known carcinogen.

    *Is your house over 30 yrs. old? Until the ’70’s many paints, floor finishes, and possibly more home renovation supplies still contained lead.

    *Do you have a wood deck or swing set in your back yard put in before 2004? Weather resistant lawn items made before a certain 2004 (US) ban contain arsenic.

    *Most popular home cleaning products contain Volatile organic chemicals (VOCs) which are linked to various medical problems including cancer.

    Craig Mouldey, the Wood Flooring Guy (http://www.woodflooringguy.com/) says, “there are many products in our homes, including plywood, the core of cabinets, and likely even laminate that use a urea-formaldehyde adhesive.” Your furniture, your carpets, pretty much everything made by man contains VOCs.

    The National Academy of Sciences estimates that 15% of the population currently suffer from Multiple Chemical Sensitivities and Environmental Illness due to the toxic environments we live in. So many home toxins are in fact, like cigarettes, linked to cancers and other debilitating illnesses. The next front in health may be the home front.

    Tips for Clearing the Air in Your Home

    -Avoid chemical products and cleaners

    +Instead use common baking products like vinegar and baking soda or purchase “all-natural” non-chemical cleaners. If you have a closet full of chemicals, call your local government office for information about their disposal. They consider these items hazardous waste!

    -Avoid the use of aerosol sprays (Includes hygiene products!)

    +Search for alternatives to aerosol cleaners and hygiene products. If you’re an air freshener addict you can substitute it with an open box of baking soda in every room. You can use herbs as potpourri. For more substitutions see this page from NY’s DEC website. (http://www.dec.state.ny.us/website/dshm/redrecy/hhw1.htm)

    +Keep up on maintenance of furnace, air conditioners, etc. Consider investing in some kind of air filter or cleaner.

    +Ventilate high humidity areas such as bathrooms. In fact, ventilate the whole house weather permitting. Recent studies show indoor air pollution is worse than outdoor, even in the big city.

    +Have your home tested for radon gas, mold, lead, asbestos and other more common pollutants.

    +Use solid wood or at least seal any plywood or particleboard.

    +Install hard floors and use very few rugs. Hard floors, which you can wipe clean, won’t harbor VOCs residue from cleaners and aerosols like carpets do. Choose stone, tiles or hardwood floors with nontoxic varnishes.

    Also, when making purchases for your home be it bed sheets or renovation plans, google for product information and read labels to find out about the products safety. Look for “low-emitting,” “pesticide free,”"no outgassing” or “no offgassing,” and other related key phras

    Dealing with The Stress of Debt!
    As the Christmas period comes to an end and the New Year begins many people suddenly find themselves faced with the Credit card bill from hell! It seemed so easy to “spend, spend, spend” when out buying all the wonderful presents for your loved ones. Nowadays we are bombarded on every side by advertising for yet another Credit Card and it can be so easy to sign the pre-filled application forms that come through our letter boxes!It seems at times as if the whole world is getting ever deeper into debt and the statistics make frightening reading don’t they. However, In all the technical discussion you hear about credit card debt, the best way
    e linked to various medical problems including cancer.

    Craig Mouldey, the Wood Flooring Guy (http://www.woodflooringguy.com/) says, “there are many products in our homes, including plywood, the core of cabinets, and likely even laminate that use a urea-formaldehyde adhesive.” Your furniture, your carpets, pretty much everything made by man contains VOCs.

    The National Academy of Sciences estimates that 15% of the population currently suffer from Multiple Chemical Sensitivities and Environmental Illness due to the toxic environments we live in. So many home toxins are in fact, like cigarettes, linked to cancers and other debilitating illnesses. The next front in health may be the home front.

    Tips for Clearing the Air in Your Home

    -Avoid chemical products and cleaners

    +Instead use common baking products like vinegar and baking soda or purchase “all-natural” non-chemical cleaners. If you have a closet full of chemicals, call your local government office for information about their disposal. They consider these items hazardous waste!

    -Avoid the use of aerosol sprays (Includes hygiene products!)

    +Search for alternatives to aerosol cleaners and hygiene products. If you’re an air freshener addict you can substitute it with an open box of baking soda in every room. You can use herbs as potpourri. For more substitutions see this page from NY’s DEC website. (http://www.dec.state.ny.us/website/dshm/redrecy/hhw1.htm)

    +Keep up on maintenance of furnace, air conditioners, etc. Consider investing in some kind of air filter or cleaner.

    +Ventilate high humidity areas such as bathrooms. In fact, ventilate the whole house weather permitting. Recent studies show indoor air pollution is worse than outdoor, even in the big city.

    +Have your home tested for radon gas, mold, lead, asbestos and other more common pollutants.

    +Use solid wood or at least seal any plywood or particleboard.

    +Install hard floors and use very few rugs. Hard floors, which you can wipe clean, won’t harbor VOCs residue from cleaners and aerosols like carpets do. Choose stone, tiles or hardwood floors with nontoxic varnishes.

    Also, when making purchases for your home be it bed sheets or renovation plans, google for product information and read labels to find out about the products safety. Look for “low-emitting,” “pesticide free,”"no outgassing” or “no offgassing,” and other related key phras

    Do's and Don'ts when Purchasing New Construction Homes
    The vision of a new home with the ability to upgrade finishes, alter floor plans and be the first to occupy a property lures buyers into builders and developers model homes every day. According to industry sources over 70% of home buyers want a new home. These new construction focused buyers might see a picket fence, but they should be prepared to ask the right questions and see red flags before signing on the line.Do's-Have your own agent. Believing they might get a better deal or out of ignorance many buyers use the developers sales agent to represent them. New construction buyers should research what a dual agent can and can't do
    ommon baking products like vinegar and baking soda or purchase “all-natural” non-chemical cleaners. If you have a closet full of chemicals, call your local government office for information about their disposal. They consider these items hazardous waste!

    -Avoid the use of aerosol sprays (Includes hygiene products!)

    +Search for alternatives to aerosol cleaners and hygiene products. If you’re an air freshener addict you can substitute it with an open box of baking soda in every room. You can use herbs as potpourri. For more substitutions see this page from NY’s DEC website. (http://www.dec.state.ny.us/website/dshm/redrecy/hhw1.htm)

    +Keep up on maintenance of furnace, air conditioners, etc. Consider investing in some kind of air filter or cleaner.

    +Ventilate high humidity areas such as bathrooms. In fact, ventilate the whole house weather permitting. Recent studies show indoor air pollution is worse than outdoor, even in the big city.

    +Have your home tested for radon gas, mold, lead, asbestos and other more common pollutants.

    +Use solid wood or at least seal any plywood or particleboard.

    +Install hard floors and use very few rugs. Hard floors, which you can wipe clean, won’t harbor VOCs residue from cleaners and aerosols like carpets do. Choose stone, tiles or hardwood floors with nontoxic varnishes.

    Also, when making purchases for your home be it bed sheets or renovation plans, google for product information and read labels to find out about the products safety. Look for “low-emitting,” “pesticide free,”"no outgassing” or “no offgassing,” and other related key phras

    Insurance - HIPPA Headaches
    Don’t you just love government red tape? This time the bureaucratic process has given us a real doozy—it’s called the Health Insurance Portability and Accountability Act or HIPAA for short. And the unintended affects of HIPPA could have a dramatic effect on you.HIPAA legislation took effect in April of 2001. It set national standards for the protection of ‘individually identifiable health information.’ Specifically, the Rule relates to how health care organizations share and divulge medical information.There are good reasons for these new protections. They are designed to prevent unauthorized invasions into your medical privacy.
    athrooms. In fact, ventilate the whole house weather permitting. Recent studies show indoor air pollution is worse than outdoor, even in the big city.

    +Have your home tested for radon gas, mold, lead, asbestos and other more common pollutants.

    +Use solid wood or at least seal any plywood or particleboard.

    +Install hard floors and use very few rugs. Hard floors, which you can wipe clean, won’t harbor VOCs residue from cleaners and aerosols like carpets do. Choose stone, tiles or hardwood floors with nontoxic varnishes.

    Also, when making purchases for your home be it bed sheets or renovation plans, google for product information and read labels to find out about the products safety. Look for “low-emitting,” “pesticide free,”"no outgassing” or “no offgassing,” and other related key phrases.

    You won’t be able to keep out all chemicals, but you may be able to reduce the VOCs in your home by making environmentally friendly choices whenever possible. More than ever there are companies devoted to making safer products for your home. By being VOC-conscious you’ll also reduce the amount of hazardous waste being dumped into landfills when the time comes to dispose of your less hazardous belongings. As an unrelated but added bonus the time it takes to research products may prevent unnecessary purchases that would just add clutter to your home and put a hole in your pocketbook. Being toxin conscious thus has a myriad of positive effects!

    Being a smart and toxin-aware shopper will help you clear the air in your home. You can make the world a little safer for your family and community.

    Useful Resources

    CHEC http://www.checnet.org/ Indoor Air Pollution Fact Sheet* http://www.lungusa.org/site/pp.asp?c=dvLUK9O0E&b=117535 *Presently includes contact info. to obtain a free pamphlet containing more household products and their associated risks. VOCs info. from the EPA http://www.epa.gov/iaq/voc.html

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