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• The Holds Everything Goes Anywhere Tote
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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. travel reward credit card

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. low interest credit card

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. credit card company

*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. student credit card

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: credit card deal

* 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. secured credit card

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. airline miles credit card

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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 credit card reward

With the school year fast approaching, kids are getting back to the books and enjoying all of their favorite extracurricular activities, including team sports. With sports injuries being one of the leading causes of Traumatic Brain Injuries (TBIs), knowing what precautions to take can help prevent serious brain injuries. As reported by the Brain Injury Association of America, there are approximately 5.3 million Americans living with a disability caused by TBIs. In fact, the Centers for Disease Control and Prevention states that in the United States alone, sports related concussions have reached epidemic proportions. How does this relate to children TBIs are the number one cause of death and disability in children and adolescents in the United States. According to www.kidssource.com, more than one million children incur head injuries each year, but many who experience mild injuries never even consult with a medical professional after the incident. Atlantic NeuroSurgical Specialists (ANS), one of the Northeast leading pediatric and adult Neurosurgery firms, has put together some information on preventing and recognizing TBIs. accept credit card

BIs are one of the most common conditions I see as a neurosurgeon, notes ANS neurosurgeon, Dr. Brian Beyerl. arents and coaches need to work together with children to ensure the safest playing conditions are being made available to today youth, he adds. aking very simple precautions, such as wearing the proper protective gear, can help increase a child safety. Dr. Beyerl suggests some preventative measures and how to identify symptoms of TBIs: best credit card rate

Preventative Tips 4 Make sure coaches are teaching the proper technique. 4 Check playing equipment routinely for cracks or deterioration. 4 In contact sports, wear a protective mouth guard (must cover all teeth). The mouth guard can act as a shock absorber, if hit in an upward motion. 4 In sports conditioning, pay close attention to the neck muscles. When these muscles are strengthened for sport activities, it can increase the amount of force required to cause injury, i.e. concussion. credit card balance transfer

4 Appropriate protective gear must be worn to protect the head and neck, almost every sport has something that can be worn. Recognizing the Symptoms 4 Any clear fluid or blood coming from the ears or nose. 4 Swelling of the scalp 4 Severe headaches 4 Vomiting occurs three or more times 4 Blurred Vision and/or dilated, unequal size of pupils 4 Dizziness, balance problems 4 Not alert and unable to respond to others, semi comatose state capital one credit card

4 Paralysis, difficulty moving body parts, weakness, poor coordination 4 Body numbness or tingling 4 Ringing in the ears, or changes in ability to hear Getting Back to the Game hen dealing with a TBI, it is very important to take the necessary precautions that the injury is fully healed before returning to play, states fellow ANS neurosurgeon, Dr. Johnathan Baskin. here should be an open line of communication among the physician, athletic trainer, parent and injured person, so the athlete does not risk further injury, says Baskin. ven if the patient is feeling 100 percent recovered, it is recommended he pass the appropriate physical before jumping back into the game. By understanding the severity of a TBI, sports related injuries can decrease dramatically. NS is happy to evaluate patients with lingering head trauma symptoms, adds Baskin. balance transfer credit card

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