CAR INSURANCE
How can I lower my auto insurance rates?
Drive defensively and legally to maintain a good driving record.
Comparison shop for insurance, and be sure you´re comparing apples with apples for
coverage types and costs.
Obtain higher insurance deductibles.
Get discounts whenever they apply to you.
Protect your credit rating.
What discounts are available?
Ask your agent for the following discounts if you
insure more than one vehicle with the same company
own your home
have recently taken a defensive driver course
have a car alarm, airbags, anti-lock brakes, or automatic seatbelts in your car
have homeowners and car insurance through the same company
pay in full or through EFT (electronic fund transfer)
attend college over 100 miles from home and don't have a car with you
are a full-time student with a grade point average "B" or higher
participate in a shared-vehicle car pool
(more info) CAR INSURANCE
Wednesday, September 19, 2007
ASBESTOS CANCER
What is asbestos?
“Asbestos” is the name given to a group of minerals that occur naturally as bundles of fibers which can be separated into thin threads. These fibers are not affected by heat or chemicals and do not conduct electricity. For these reasons, asbestos has been widely used in many industries. Four types of asbestos have been used commercially:
Chrysotile, or white asbestos;
Crocidolite, or blue asbestos;
Amosite, which usually has brown fibers; and
Anthophyllite, which usually has gray fibers.
Chrysotile asbestos, with its curly fibers, is in the serpentine family of minerals. The other types of asbestos, which all have rod-like fibers, are known as amphiboles.
Asbestos fiber masses tend to break easily into a dust composed of tiny particles that can float in the air and stick to clothes. The fibers may be easily inhaled or swallowed and can cause serious health problems.
What are the health hazards of exposure to asbestos?
Exposure to asbestos may increase the risk of several serious diseases:
Asbestosis—a chronic lung ailment that can produce shortness of breath, coughing, and permanent lung damage;
Lung cancer;
Mesothelioma—a relatively rare cancer of the thin membranes that line the chest and abdomen; and other cancers, such as those of the larynx oropharynx gastrointestinal tract, and kidney.
(more info) ASBESTOS CANCER
What is asbestos?
“Asbestos” is the name given to a group of minerals that occur naturally as bundles of fibers which can be separated into thin threads. These fibers are not affected by heat or chemicals and do not conduct electricity. For these reasons, asbestos has been widely used in many industries. Four types of asbestos have been used commercially:
Chrysotile, or white asbestos;
Crocidolite, or blue asbestos;
Amosite, which usually has brown fibers; and
Anthophyllite, which usually has gray fibers.
Chrysotile asbestos, with its curly fibers, is in the serpentine family of minerals. The other types of asbestos, which all have rod-like fibers, are known as amphiboles.
Asbestos fiber masses tend to break easily into a dust composed of tiny particles that can float in the air and stick to clothes. The fibers may be easily inhaled or swallowed and can cause serious health problems.
What are the health hazards of exposure to asbestos?
Exposure to asbestos may increase the risk of several serious diseases:
Asbestosis—a chronic lung ailment that can produce shortness of breath, coughing, and permanent lung damage;
Lung cancer;
Mesothelioma—a relatively rare cancer of the thin membranes that line the chest and abdomen; and other cancers, such as those of the larynx oropharynx gastrointestinal tract, and kidney.
(more info) ASBESTOS CANCER
LOAN
What is loan consolidation?
Loan consolidation refinances multiple loans into one new loan with a new repayment term, monthly payments, and interest rate.
Consolidation loans are readily available from education loan lenders and loan holders—including Sallie Mae, who offers the SMART LOAN Consolidation Account.
When your consolidation loan is issued, your lender pays off the outstanding balances of all the loans you put in the consolidation.
In addition to simplifying record-keeping and check-writing chores, consolidation can significantly reduce your monthly payment burden—by up to 58% or more! That's because consolidation lets you stretch your repayment period from the standard 10 years to up to 30 years, depending on the amount of your education debt. The lower payment means you'll have more money available to meet other expenses.
Consolidation lets you convert multiple variable-rate education loans into a single loan with a fixed interest rate.
Extending the repayment period increases your total interest payments because you'll be making smaller payments over a longer period. There are no prepayment penalties for accelerating the payback of your consolidation loan.
How long does it take to get a consolidation loan?
The typical processing time for a consolidation loan is four to eight weeks, although many loans can be completed in only two to three weeks. Until your loan is processed, you continue to make payments on your existing loans if you are not in deferment, forbearance, or the post-school grace period. The first payment on your consolidation loan is due within 60 days of disbursement.
(more info) LOAN
What is loan consolidation?
Loan consolidation refinances multiple loans into one new loan with a new repayment term, monthly payments, and interest rate.
Consolidation loans are readily available from education loan lenders and loan holders—including Sallie Mae, who offers the SMART LOAN Consolidation Account.
When your consolidation loan is issued, your lender pays off the outstanding balances of all the loans you put in the consolidation.
In addition to simplifying record-keeping and check-writing chores, consolidation can significantly reduce your monthly payment burden—by up to 58% or more! That's because consolidation lets you stretch your repayment period from the standard 10 years to up to 30 years, depending on the amount of your education debt. The lower payment means you'll have more money available to meet other expenses.
Consolidation lets you convert multiple variable-rate education loans into a single loan with a fixed interest rate.
Extending the repayment period increases your total interest payments because you'll be making smaller payments over a longer period. There are no prepayment penalties for accelerating the payback of your consolidation loan.
How long does it take to get a consolidation loan?
The typical processing time for a consolidation loan is four to eight weeks, although many loans can be completed in only two to three weeks. Until your loan is processed, you continue to make payments on your existing loans if you are not in deferment, forbearance, or the post-school grace period. The first payment on your consolidation loan is due within 60 days of disbursement.
(more info) LOAN
ADSENSE
What is AdSense?
AdSense is an advertising program run by Google. Web site owners can enroll in this program to enable text and image advertisements on their sites. These ads are administered by Google and generate revenue on a per-click basis. Google utilizes its search technology to serve ads based on website content, the user's geographical location, and other factors. Those wanting to advertise with Google's targeted ad system may sign up through AdWords.
What is Google Adsense?
Google AdSense is a fast and easy way for website publishers of all sizes to display relevant, text-based, un-obtrusive Google AdWords ads on their website's content pages and earn money. Because the ads are related to what your users are looking for on your site, you'll finally have a way to both monetize and enhance your content pages.
(more info) ADSENSE
What is AdSense?
AdSense is an advertising program run by Google. Web site owners can enroll in this program to enable text and image advertisements on their sites. These ads are administered by Google and generate revenue on a per-click basis. Google utilizes its search technology to serve ads based on website content, the user's geographical location, and other factors. Those wanting to advertise with Google's targeted ad system may sign up through AdWords.
What is Google Adsense?
Google AdSense is a fast and easy way for website publishers of all sizes to display relevant, text-based, un-obtrusive Google AdWords ads on their website's content pages and earn money. Because the ads are related to what your users are looking for on your site, you'll finally have a way to both monetize and enhance your content pages.
(more info) ADSENSE
LAWYER
What kind of Lawyer do I need?
A lot of lawyers specialize in one area of the law. General practitioners, however, have a wide varying range of matters that they handle. If your legal matter involves a specialized area of law like family, bankruptcy, taxation or patent law then you need to contact a specialist. If you are dealing with a general matter then a general practice lawyer should be able to help you. Make sure to ask your attorney whether he or she specializes in an area of law before you decide to hire them.
Where can I find an attorney?
There are many ways to find an attorney. You can find one on an on-line attorney directory where information is available about attorneys at their websites. Your state’s bar association will also have a referral service that can put you in touch with an attorney. Word of mouth and the phone book are the old standard ways of finding an attorney.
(more info) LAWYER
What kind of Lawyer do I need?
A lot of lawyers specialize in one area of the law. General practitioners, however, have a wide varying range of matters that they handle. If your legal matter involves a specialized area of law like family, bankruptcy, taxation or patent law then you need to contact a specialist. If you are dealing with a general matter then a general practice lawyer should be able to help you. Make sure to ask your attorney whether he or she specializes in an area of law before you decide to hire them.
Where can I find an attorney?
There are many ways to find an attorney. You can find one on an on-line attorney directory where information is available about attorneys at their websites. Your state’s bar association will also have a referral service that can put you in touch with an attorney. Word of mouth and the phone book are the old standard ways of finding an attorney.
(more info) LAWYER
MESOTHELIOMA SYMPTOMS
What is mesothelioma?
A rare cancer, usually found in those exposed to asbestos, in the form of a malignant tumor in the mesothelium of the lungs and or abdomen. Symptoms of this incurable disease are persistent coughing or coughing of blood, chest or abdomen pain, fatigue, and weight loss.
How common is mesothelioma?
Although reported incidence rates have increased in the past 20 years, mesothelioma is still a relatively rare cancer. About 2,000 new cases of mesothelioma are diagnosed in the United States each year. Mesothelioma occurs more often in men than in women and risk increases with age, but this disease can appear in either men or women at any age.
(more info) MESOTHELIOMA SYMPTOMS
What is mesothelioma?
A rare cancer, usually found in those exposed to asbestos, in the form of a malignant tumor in the mesothelium of the lungs and or abdomen. Symptoms of this incurable disease are persistent coughing or coughing of blood, chest or abdomen pain, fatigue, and weight loss.
How common is mesothelioma?
Although reported incidence rates have increased in the past 20 years, mesothelioma is still a relatively rare cancer. About 2,000 new cases of mesothelioma are diagnosed in the United States each year. Mesothelioma occurs more often in men than in women and risk increases with age, but this disease can appear in either men or women at any age.
(more info) MESOTHELIOMA SYMPTOMS
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