Get the Help You Need Without Spending a Lot of Money or Leaving Home!

Now you can get the important help you need for your small matters without leaving home or spending a lot of money! There are so many helpful websites with free or low cost advice from professionals who are willing to share their expertise and assist in a pinch. For Example: Do you have a quick legal question but don't know any lawyers? Do you have a question about depression but don't want to see a therapist? Not sure if you need a mechanic for a car problem?

Well you don't have to waste a lot of time hunting for answers or spend a lot of money. You can get the answers you need at home online. Just take a look at some of these great websites!

Get a Lawyer's response without the big fee!

You can get free legal advice at: FreeAdvice.com or LawGuru.com. You can send an email and get a response within a few minutes or up to a day. If you need an even more detailed answer you can go to WorldLawDirect.com and have an attorney contact you within 24 hours for just $9.95.

Talk to a therapist without leaving home!

If you don't want to see a therapist face to face to get an answer or advice on a problem, then go to Psychology.com or eTherapistsOnline.com and converse over email or instant messaging. For a half hour session fees are only around $30.

Get assistance from a mechanic!

Having car trouble and just want to ask a question or two without a big fee? Go to 2CarPros.com and get an answer from a certified auto mechanic. Response time could take awhile since it is free but if you want to make a small donation you could get a response quicker...say within 24 hrs. You can also go to JustAnswer.com and list how much you are willing to pay for their advice and you will get a quick response many times within minutes, from a certified mechanic.

Need one on one tutoring without the big fee?

Do you or your child have a math problem or reading problem and need some homework help? Many cities offer free online tutoring to any child or person that has a public library card. Ask your local library if they participate or look on your local library's website. If they do, then enter your public library card number for immediate help. Some that do are: Clark County Library, San Jose public library, Ohio public library, Alabama public library and Burbank Central library. You can also download for free the best selling audio digital titles to your mp3 player, pc or PDA with your public library card and PIN.

Want a virtual doctor house call?

Do you have a symptom that you need help with or not sure if you should see a doctor? Go to FreeMD.com. Tell the virtual doctor what your symptoms are or what you need help with. You will also have to give the doctor a little medical history and will be asked a few quesions. The doctor will provide you with a possible diagnosis and treatment, based on your answers to the questions and medical history. If the virtual doctor thinks you need to visit a doctor's office, the virtual doctor will tell you that too.

Not sure if your pet needs to see a vet?

Sometimes it is difficult to tell if your pet needs to see the vet. You may not want to make that trip for the office consultation for $40 or more. Now you can get advice online by going to AskAVetQuestion.com. A board certified vet will give you up-to-the-minute advice for just $5. Just type in your question or pet's symptoms and you will get a response within a few minutes or up to a few hours. You can also get same day online consultations and personalized diagnosis at OnlineVetClinic.com for just $4.95!

4 Steps Towards Improving Credit

It seems as if 2010 will be the year when everyone finally focuses on improving their credit. With the current economic situation, it is more important now than ever to become more educated about credit card companies, credit and credit scores. In December 2008, Congress passed new credit card laws to change many practices of the credit card industry which had been seen as unfair to cardholders. For more detailed information on this new law go to: http://www.creditcards.com/credit-card-news/obama-signs-credit-card-law-1282.php or www.bankrate.com

Step 1 – get your current credit snapshot. If you were beginning a diet you wouldn't guess at your weight right? It's the same with credit; it's important to know your starting point. So get a credit snapshot by obtaining a free copy of your credit report from each of the three major credit agencies at: www.annualcreditreport.com. You can also purchase your FICO score for a small fee from one of the three credit agencies from the same website.

Step 2 – get smart. Unless you are a dietitian, you probably wouldn't create a diet that you knew would guarantee success. So, unless you are a credit expert, don't go about trying to improve your credit blindly. Start by understanding the basic do's and don'ts of credit management. myFICO.com has a wealth of credit education that can help you become knowledgeable about managing your credit.

Step 3 – build your plan. After you've become knowledgeable, then you can really attack your credit problems. You will have your credit report, score and history length and payment to build your plan. Your payment history is one of the biggest components of your FICO score so you really need to focus on keeping current with all of your bills. Understanding how to deal with each credit problem starts with education and continues with a well conceived plan.

Step 4 – check your status. You'd be surprised to know how many people only check on their credit when making a major purchase. If there's a problem, finding out just before a purchase doesn't leave much time to fix the problem. You'd likely step on the scale every couple of days to see if your diet is working, right? Do the same with your credit, especially if you've created an improvement plan. It is recommended to check your credit twice a year and at least 6 months before making a major purchase.




Source:http://www.myfico.com/crediteducation/questions/Improve-Credit-Score.aspx?LPID=FICO337&cm_mmc=yesmail-_-newsletter-_-January2010-_-FAQ1