Summarize the following:
You are entitled to one free copy of your credit report every 12 months from each credit agency: Equifax, Experian, and Transunion. Visit the website of each agency to receive a free copy of your credit report, or you can visit AnnualCreditReport.com to receive one free copy from each agency.  You can also request a three in one credit report, but for a fee of $40. You can still request your credit report if you have already used up your free reports for the year; however, you will have to pay a fee. Errors on your credit report are information that should not be there. Common account-related errors are late payments that are more than seven years old (and therefore should no longer be on your report), a listed credit card or loan account that doesn’t belong to you, or an account that was closed by you but it is listed as closed by the provider.  According to federal law, collection accounts can be reported for up to seven and a half years from the date you first fell behind, regardless if they are paid or unpaid.  Collection accounts that are paid may still appear on your credit report for up to seven and a half years. Some common derogatory mark errors are paid collection accounts that are showing as unpaid, a paid tax lien that is more than seven years past your date of payment, creditor lawsuits, and an account that was discharged in bankruptcy but is mistakenly still showing up as active and with a balance. Common personal information errors include your name being listed wrong on the account, addresses listed that you never lived at or used as a mailing address, and inaccurate employer information. There are disputes that creditors do not have to investigate. These disputes are information that identifies you (name, date of birth, Social Security number, telephone number, or address); the identity of past or present employers; requests for a consumer report; information originating from public records (judgments, bankruptcies, liens); information related to active duty or fraud alerts; and information another creditor institution gave to the credit reporting agency.

summary: Obtain credit reports from all three agencies. Identify account-related errors. Identify derogatory mark errors. Highlight personal information errors.


Summarize the following:
Different forms of nerve strain or damage affect distinct parts of the hand. Your doctor can perform tests to accurately diagnose nerve compression or damage. They’ll examine your forearms and hands, have you move your hands and fingers and, if necessary, perform an x-ray.  Numbness in the thumb, index, middle, and ring fingers (and the side of your palm with these fingers) is a symptom of carpal tunnel syndrome. If your ring and little fingers become numb when you bend your elbow, cubital tunnel syndrome could be the issue. Numbness or pain concentrated at the top of the hand could be due to a compressed radial nerve. Every 20 to 30 minutes, hold your hands in a prayer pose about 6 inches (15 cm) in front of your chest. Keeping your hands in the prayer position, raise your elbows until you feel a stretch in your forearms. Hold the stretch for 10 to 20 seconds, then relax.  You can also extend your right arm in front of you with your wrist bent, so the back of your hand faces you. Use your left hand to gently pull your right fingers toward you so you feel a stretch in your right forearm. Hold the stretch for 10 to 20 seconds, then switch arms. Fill one bucket with cold water and another with warm (not hot) water. Soak your hands and forearms in the cold water for 2 to 3 minutes, then soak them in the warm water. Continue alternating until you've held your hands in each bucket 3 times. Try soaking your hands in cold and warm water 3 to 4 times daily, or whenever you feel numbness or tingling. For carpal tunnel syndrome, wear wrist braces to keep your hands and forearms in neutral positions while you sleep. Ask your doctor to recommend the right brace for your particular issue. Bending the elbow aggravates cubital tunnel syndrome, so wearing elbow braces at night is best for this condition. Ask your doctor to recommend the best brace. You can also wrap a towel around the appropriate joint, then use tape to secure it. If numbness, tingling, and pain interfere with your daily activities, a corticosteroid shot might provide relief. While a cortisone shot can relieve flare-ups, its effects are temporary.  You might experience pain and swelling at the injection site for the first 1 to 2 days after getting a cortisone shot. If necessary, apply ice for 15 minutes every 3 hours. Your doctor might also recommend an oral corticosteroid, such as prednisone. Let them know if you have diabetes, as corticosteroids can make it difficult to regulate insulin levels. Since the nerves in the hands are rooted in the neck, spinal problems can cause numbness throughout the arms, hands, and fingers. If necessary, ask your doctor to refer you to a licensed physical therapist or chiropractor. Serious neck issues, such as bone spurs or a herniated disc, might require surgery. and drinking alcohol, if necessary. Smoking and heavy drinking can constrict blood flow and aggravate nerve issues. If you’re a smoker, ask your doctor or pharmacist for tips on quitting. If you drink more than the recommended amount, try to cut down your consumption. The recommended intake for men is up to 2 drinks per day. For women, the recommended amount is 1 drink.

summary: Tell your doctor which parts of your hands are affected. Take frequent stretch breaks during repetitive activities, such as typing. Alternate soaking your hands in cold and warm water. Wear wrist braces while you sleep for carpal tunnel syndrome. Wear elbow braces for cubital tunnel syndrome while you sleep. Ask your doctor if they recommend a cortisone shot. See a physical therapist for numbness related to neck issues. Quit smoking


Summarize the following:
Break a ripe banana up into small pieces, and mash it in a bowl with a spoon or fork until all the lumps are smoothed out. Mix in 1 teaspoon of honey, and 1 teaspoon of lemon juice. Stir all of the ingredients until the are combined completely.  The banana provides nutrients for the skin, the honey provides moisture, and the lemon juice acts as a natural astringent and exfoliate.  This face mask can be a bit drippy, so be sure to wear clothing you don’t mind getting dirty. Rub the banana mask onto your face, using your fingers to massage the mixture all over your skin. Leave the mask on for 10-20 minutes. Make sure your face is clean, and free of any makeup before you start applying the mask. You may need to wash your face with a light soap before you put on the mask to remove any makeup or surface impurities. Rinse your face with lukewarm water, a washcloth, and no soap after the mask has soaked into your skin for 10-20 minutes.  You want to clear your face of the banana mask, but you don’t want to wash away its healthy benefits. If you want to use this mask again in the future, make a new batch. Natural face masks like this can usually stay about a week in the fridge, but just to be safe, start fresh every time.
summary: Create the mask mixture. Apply the mask to your face. Rinse your face.