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MASSACHUSETTS
SPECIAL LEGISLATIVE REPORT ON AIR POLLUTION!
A
recent indoor air pollution report has found that, in the
United States, 50% of illnesses are cause by indoor air
pollution!
Time for some serious reverse thinking
here! Before you winterize and weatherize your home as the
colder winter months approach, think very carefully what
you may indeed be "Keeping In" your home that
you'd rather not be there!
Be focused on a thorough cleaning of
the interior of your home in doing the following:
1. All furnace filters must
be replaced, and make certain you use the exact replacement
size...don't cut corners by "making do" here!
The flu, colds, and other illnesses will LOVE
it if you skimp here!
2. As almost 40% of heat is lost through
doors & windows, SEAL & WEATHERSTRIP away! By investing
less that $50 to remedy this, you can reduce your heating
bill over 30%!!
Happy $$ $avings!!
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CO-SIGNING A LOAN CAN PAVE
THE WAY TO CREDIT DISASTER!
You may
think you're just helping out a friend, or extending temporary
assistance to a family member; however, when you do co-sign
a debt, know this:
In Co-Signing a loan, you are
entering into a legal contract that holds you responsible
for the complete debt, and, more often than not, it will
appear on your Credit Report(s) as your
debt.
Many gracious
individuals have found out the hard way that if the debt
is not repaid or paid in the agreed manner, the creditor
has full legal recourse to collect from you!
Further, many co-signers have
not only had their credit ratings ruined, judgments have
been secured agains them for the amount of the debt plus
interest!
Always
remember that the creditor will come after the person they
have the greatest opportunity to collect the debt from...and
that most likely is YOU, due to your co-signing making the
loan possible for another, they already know you have a
repayment history which indicates you would pay the debt
if the other person does not.
Weigh this
approach to financial help for another very, very carefully.
Use credit wisely!
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