Black Mold poisoning can cause only one to two symptoms in some people and many more in other people. Exposure and poisoning related to black mold can cause mild, moderate or severe illness, and sometimes death if left untreated.

When a person responds to your words by saying “I hear you,” you may sometimes wonder if he is truly listening to you. Perhaps you find your mind wandering off when someone is sharing her thoughts with you. Hearing and listening have quite different meanings. Hearing is a passive occurrence that requires no effort.

Communication is an essential part of everyday life. People communicate with one another to share ideas, express thoughts and feelings, and resolve problems. Errors occur when a communicated message is not given or received as it was intended.

Effective communication promotes a sense of trust at its core. Conveying words, facial expressions and hand gestures ineffectively can destroy home and work relationships.

Just because you are no longer residing in a certain country does not mean your credit card debts will cease to exist. Credit card companies will still work to obtain the money owed to them by you. After a certain period of time, your account will likely be turned over to a collection agency to continue the work.

Babysitters must follow specific tax regulations that cover child care workers under the rules of the Internal Revenue Service (IRS). Most people who babysit are not employees of the family and must report this income as a self-employed worker or sole proprietor.

After the most immediate duties associated with the death of your loved one are completed–contacting friends and relatives and planning the deceased's funeral–there's a considerable amount of administrative detail involved in tying up your loved one's affairs.

Pathological lying is defined as telling lies to the point they are persistent, extremely exaggerated and often told without a discernible reward. Psychiatrists have not given pathological lying the title of a true mental disorder as of yet, though this behavior is suggestive of a mental disturbance.

If you have an unpaid debt to a credit card company, to the state or IRS, you could have your checking account garnished. Creditors commonly use two methods to obtain money from people in default on their loans and credit cards: Wage garnishment up to 25 percent and checking account garnishment.

A credit check is used to determine someone’s creditworthiness. A credit check can be as simple as getting an applicant’s FICO score or credit rating number or as complex as pulling a merged report of all three credit reporting agencies—Experian, TransUnion and Equifax.

Teen mothers face daily challenges as they struggle to take care of their child and find a way to be the best parent they can. Because most teen mothers are still attending school or college, finding the time and financial means to finish their education should be a high priority alongside raising their child.

When the federal Fair and Accurate Credit Transactions Act (FACT Act or FACTA) was passed in December 2003, all consumers were entitled to receive a free copy of their annual credit reports.