Accessing Legal Services with Toll Free Numbers Directory

Toll free numbers allow us to conveniently interact with product and service providers and obtain the information required. This is especially true for professional services in areas like law.

Legal services need to be accessible to the majority of the population whenever needed. It could be an emergency, or a routine legal query. Toll free number services give you instant access to legal firms and representatives whenever the need arises.

Prepaid legal services are easily available through toll free numbers. Whether it is signing a contract or insurance difficulties, speeding tickets or routinely occurring issues, a toll free number gives you access to legal firms who then return your call through trained professionals to answer queries and solve problems.

Having access to law professionals was never so easy. You need not pay for the call. The legal services cover a whole gamut of issues, from simple problems to legal hassles. Prepaid legal services can work over toll free numbers and charge monthly or annual fees for their services.

The Internet has made it all too easy to locate toll free numbers. Several online toll free numbers directories cover the entire U.S. with various tools to locate the services needed. Apart from providing phone numbers, they also contain useful email addresses, Website addresses, classified advertisements, and other related information.

A useful feature of online toll free directories is the reverse number lookup. A visitor can verify the contact addresses from a given toll free number at the click of a button.

Legal problems can arise anytime, anywhere. Toll free numbers give us access to legal help quickly and conveniently and save us calling charges as well.

For more information on toll free legal services, visit http://headings.internettollfree.com/legal-services.html

Medicare Supplement Excess Charges

A quick explanation of Medicare Part B "Excess Charges."

For Example; say the Medicare allowable charge for a certain visit or procedure is $100. Medicare Part B pays $80; the Medicare Supplement pays the remaining $20. If the doctor does not accept assignment, and the client has Plan D, the client pays the 15%.

Medicare states that if the doctor does not accept assignment the doctor can add 15% to the amount Medicare approves. However, Medicare reduces the amount they have approved by 5% because the doctor does not accept assignment.

Now the doctor can only add the 15% to the reduced amount.

If Medicare approves a total of $100 and the doctor does not accept assignment then Medicare reduces it by 5% so now the approved amount is $95. $95 x 115% = $109.25

The above shows that although the doctor can add an additional 15%, after Medicare reduces the amount by 5% the doctor is really only getting an additional $9.25 and not $15.

That really is not enough additional money for the doctor to risk not getting paid or have to spend money billing.

When the doctor sends a claim to Medicare, Medicare will assign a value to that claim. If the doctor agrees to "Accept Assignment" then the doctor also agrees to accept that assigned value as 100% payment for his/her services, of which Medicare pays 80% and the Medicare Supplement policy pays the remaining 20%.

If the doctor says no to assignment the claim still goes to Medicare and Medicare will "assign a value". It makes no difference whether or not the doctor Accepts Assignment.

If the doctor does not Accept Assignment then Medicare will reduce the amount of value by 5%. The doctor can then add the 15% to the reduced amount. Either the insurance company or the individual will have to pay that additional money.

However, neither Medicare nor the Medicare Supplement will pay the doctor. Why, because he says no to assignment of the claim. The money goes to the client.

So now the doctor has to hope he gets $115 from the client after he does all the billing instead of knowing he will receive $100.

Assume the net annual premium difference between Plan F and Plan D is $275, after deducting the $135 Part B deductible that is not paid by Plan D. At 15%, that would mean that the client would have to incur bills of almost $2,000 from doctors that do not accept assignment.

Since only 1% of the doctors do not accept assignment and knowing how much Medicare limits charges, it becomes difficult for Plan F to be a money saver for any client.

How to Balance Your Tires

Keeping your auto well maintained can sometimes be very difficult especially if you are a first time car owner, and you do not understand what it takes to keep your auto running efficiently. For instance, knowing the importance of tire balancing. Balanced tires are very important for safe driving. When tires are not properly balanced they cause stress on the bearings, shocks and other parts of the wheel assembly.

However, that does not mean that it cannot be done. You may require the services of an expert since improper alignment may cause some considerable damages, but if you understand cars and have the basic equipment, you can do tire balance in just a few minutes. Below are some of the steps you need to keep in mind during the process.

Get rid of any previous wheels weights that are present on the wheel, since they pose a great challenge when it comes to wheel balancing. Then place the wheel and the tire on the balancer by way of inserting the shaft through the wheel hub and leaving it in place, bearing in mind that the wheel has to be centered on the balancer. The next step is to gently spin the wheel in the balancer. During this procedure you will notice that the heaviest part of the wheel is being drawn to the bottom and the lighter part on the top. Give it time to settle in position, and then place a mark on the lightest part of the tire. You could repeat the process just to ensure that you placed the right mark in the right place. To complete this process attach the wheel weights, adhesive side first to the area of the wheel that was marked just below the spot. This will in turn counter the imbalance of the tire. Slightly move the wheels to a 3 o'clock position. Let go of the wheel but if it rolls clockwise to place the weighted position on the bottom, then that means you have added too much weight. In the event that it rolls to the top, then that is enough weight added. You may continue adding and subtracting weights until you attain the required balance, which should be at 3 o'clock position.

Finally, to ensure that the wheel stays in position, secure it with duct tape or any other similar adhesives. You will then need to remount the wheel to the car, ensuring that the lug nuts are secure. Dick Cepek tires are a good example of some of the best tires in the market, and the beauty is that they are available in a wide variety of sizes, which is perfect for any tire assembly.

What to Do With Used Fluorescent Tubes and CFL Lamps

The news is full of reports about CO2 emissions and how we can all reduce our footprint to reduce the escalating levels of pollution in our increasingly industrial society. Lamps - commercial and domestic lamps - have not escaped the environmental scrutiny, and spent fluorescent tubes and lamps are now classed as hazardous waste.

"Recycling lamps can make a huge difference to the environment as virtually all of their components can be recycled."

From 1st July 2007, waste tubes and low energy CFLs have been subject to the requirements of the Waste Electrical and Electronic Equipment (WEEE) Regulations, and new CFL lamps are marked with the now familiar crossed out wheelie bin sign, indicating they should be disposed of carefully and recycled.

Manufacturers and suppliers of such lamps must now provide the public with information on how to dispose of waste bulbs, and some retailers allow customers to return them to their premises. More commonly, retailers will take used bulbs, or direct the public to take them to local authority civic sites, whose fundings retailers contribute to. Disposed lamps will then be treated and recycled, recovering the majority of the mercury.

Businesses responsible for recycling lamps must ensure that broken and used bulbs are stored safety in a suitable type and size of container before being taken for recycling, in order to prevent harm from broken glass or mercury leakage.

Householders should dispose of lamp lighting at their local waste recycling centre, and take care when dealing with broken CFLs, due to the risk of inhaling mercury and/or being cut on the glass. Where a breakage has occurred, the room should be ventilated, and the debris should be swept up using gloves (carefully wiping the area clean afterwards) but a vacuum cleaner should not be used, as this would create airborne dust, which could then be inhaled. All of the lamp parts should be placed in a plastic bag, sealed and taken to a waste recycling centre. They should not be disposed of in the household bin.

Recycling lamps can make a huge difference to the environment as virtually all of their components can be recycled - the metal ends, the glass tubing, the mercury... they can all be used for other products or recycled into new bulbs.

Chair Massage - Why (and Where) You Should Get One

Chair massage has become popular in the last few years for a number of reasons. If you're not familiar with this "alternative" form of massage, or if you've just been putting off getting one, here are a few reasons why you should try it:

- It's fast. A chair massage can be as short as five minutes or as long as a half hour. This is a perfect arrangement for someone who doesn't have much time.

- It's convenient. Chair massage is often available at places people go to in the course of their day, for example, coffee shops and markets (particularly natural food markets). Or, it may be offered at a massage business or day spa located in the same shopping center where you run errands. And it's always possible to set up chair massage sessions in the workplace; just call a local therapist or massage center.

- It's easy on the budget. Chair massages are all timed and the charge is based on the length of the massage. So if you don't want to spend a lot of money, it's a good way to try massage.

- It's specific. A lot of people don't want, or feel they don't need, what is traditionally called a "full body massage" (a table massage). Chair massage was designed to make it easy to treat the back, neck and shoulders - areas that carry a lot of stress in most people. (But it's also possible to massage the arms, hands and head this way. The only parts of the body that are hard to access in a massage chair are the extreme lower back, the legs and the feet.)

- It's less threatening. For some people, the idea of removing all their clothes and then having someone they don't know, or don't know well, give them a massage is enough to keep them away from the massage table permanently. During a chair massage the client keeps their clothes on. Nudity is not only not required, it's not allowed!

- It can be just as effective as a longer table massage. Sometimes it's the frequency - not the length - of a treatment that matters. People who can't afford, or don't have the time for, regular table massages may not get them very often, or on a regular basis. But if they can manage a shorter (and therefore lower-priced) chair massage more often than they would get a table massage, they may find that the benefits - the relaxation and stress relief - last longer. Also, it's possible that when they do get stressed, their reaction is not as severe or as long-lasting. Because their muscles have been getting more frequent reminders of how to handle stress, they are better equipped to deal with it when it does arrive.

And here's one last thought:

Chair massage is a great way to show people you appreciate them. It has been used for employee appreciation programs, Christmas and other holiday parties and home parties where the hostess or host offers a related product or service (like skin care products). If you've been to one of these events and had a chair massage, you know how much more valued you feel by the person or organization hosting the event. If you happen to be an employer or small business owner, you might also want to consider offering chair massage at your next event. People will really appreciate it!

The Choices In Discount Flooring Will Save You Money

Renovating a home requires imagination, dedication, and a considerable budget. No matter how many corners you cut when it comes to revitalizing a home, spending money is a given. It's no wonder that homeowners look for as many opportunities as they can to reduce their costs while still achieving the look that they desire. When it comes to creating the maximum visual impact possible, nothing else comes close to flooring; well chosen flooring can transform a room in particular and a home overall. Luckily, there is a wide choice of discount flooring available on the market today that will meet all your needs without breaking your budget.

First and foremost, it must be mentioned that a large percentage of the price we pay for flooring can be attributed to the cost of professional installation. Often, the installation of the floor - depending on the size of the room and complexity of the material we choose - can cost almost as much as the floor itself. This price will generally also include the cost for emptying the room in question - including the removal of heavy appliances - and the removal and disposal of the old floor that is being replaced. For confident do-it-yourselfers, discount flooring can simply mean the tackling of your own floor installation. Handling this project on your own - or with the help of some friends - can save a substantial amount of money. Even if you are hesitant about actually installing the floor, see if the retailer you are working with will offer you a price break for removing and disposing of the old floor yourself. Any preliminary work that you can do to make professional installation easier should save you money.

Of course, discount flooring can also mean savings when it comes to the actual flooring itself. As with anything else that we purchase, prices vary depending on where we shop. Don't just settle for the price that the larger retail stores quote you; shop around and conduct your own comparison shopping. Often you will find retailers who are willing to work within your budget in exchange for your business.

If you are planning on installing your floor yourself, don't rule out the Internet for finding discount flooring. You will often find many online dealers that offer a full range of flooring - in all colors, styles, and materials - at deeply discounted prices. What you lose in professional installation you will make up for in low overhead; online retailers can often offer much lower prices than traditional stores.