If you feel overwhelmed, reputable debt counselors can help negotiate with credit card companies and help you to create a debt repayment plan that will work for your circumstances. A not-for-profit service is more likely to be legitimate. Many for-profit debt services charge high fees and can lead to even greater debt. Ask friends or family for referrals to find a good service. Reputable non-profit debt counselors can also be found through local institutions, such as: Universities Military bases Credit unions Public housing authorities Debt counselors may suggest a debt management plan or a debt settlement plan. These services can help with debt repayment but they have complicated benefits and costs. Discuss any plans in detail with a counselor to make sure you understand any fees and risks involved. Be aware that these costs could potentially include a worsening of your credit score, as debt settlement typically has a negative impact on your credit score. The degree to which your score is affected depends on how many account are being settled, as well as the amounts. Make sure to discuss this with any debt counselor before proceeding, to ensure the benefits of less debt outweigh a worsened credit score.
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One-sentence summary -- Think about consulting professionals for help. Look for a local non-profit debt counseling service. Work with a reputable counselor to decide if you need additional help.

If you've never jumped a horse before, try using a neck strap. If you don't, you may jerk back on the reins at the wrong time, pulling the bit hard into the horse's mouth. As you turn to take a jump, you must make sure the horse is in the correct position to take it. In other words, the horse needs to take it dead on, directly in the center, rather than slanted or off to the side. Part of lining up the horse properly means you are sitting up and looking straight at the jump, which helps to push the horse in the proper direction. You shouldn't be putting any weight on your hands as you prepare to take a jump. Also, make sure you are not holding the reins too tightly, giving your horse freedom to move his head. As you feel the horse prepare for the jump, you must get into position, detailed in the previous section. Remember, you also must keep your leg around the horse, or else you could fall off. Also, look forward as you take the jump, not downward. As the horse jumps, lean forward even more. Leaning forward helps you maintain your balance on the horse, as it shifts your weight. You only return to your normal position as the horse lands from the jump. During the jump, stay in this position. As he lands, transition back into normal position as he transitions back into his stride. It should take about the same amount of time. During this time, you should keep contact with the reins and the horse's head, but let the horse balance himself as he will. Also, you can keep one leg in the jumping position as you head to the next gate. Now that you've come out of the jump, it's time to be looking for the next one. Once again, make sure to approach it head on, rather to the side. Bouncing is when you set up a series of small fences in rapid succession. Start with two at first. The idea is the horse never goes back into regular strides between fence. Therefore, you must stay in the proper position for jumping the whole time, giving you and the horse practice. It's important to look ahead through the jump. For one thing, it helps you plan ahead for the next jump. For another, shifting your head can shift your whole body. That can throw the horse off, which in turn can make you lose your balance.
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One-sentence summary -- Apply a neck strap before trying. Line up the horse properly. Support your weight with your thighs and legs. Get into position. Continue to lean forward. Return to normal position. Move towards the next jump. Try bouncing. Don't look down.

Hold the book shut and blow the dust off each edge of the pages. Remove stubborn dust with a clean, dry paint brush, or a soft, new toothbrush. If the book smells musty, put it in a container with something that can absorb smells and moisture. Try a sock filled with cat litter or rice, or place the book on newspaper dusted with talcum powder. Sunlight will make this most effective. Dappled shade is a compromise that will reduce color fading.
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One-sentence summary -- Blow dust off the edges. Absorb smells.

There are a number of apps, websites, and software packages that feature BPM calculators. In many cases, you use the calculator by tapping a button along with the beat of the song. The calculator then totals up the BPM based on your taps. Do a search online or in your app store for "music BPM calculator" or "music BPM counter" to find a variety of user-friendly options. A few good options include apps like BPM Tap and Tap Tempo, and online beat counters like the one at Beatsperminuteonline.com. Some BPM counters are designed to analyze the BPM of a track automatically, with no input from you. Do a search using terms like "BPM analyzer" or "MP3 to BPM" online or in your app store. Try programs like the MixMeister BPM Analyzer or the BeatGauge BPM Detector for iTunes. If you're getting frustrated with software solutions or your own attempts to count BPM, there's always a chance that someone else has already done the work for you! There are several BPM databases available that provide data on many of the most popular tracks. Search for the title of your song to see if a matching track comes up. A few options include: Tunebat.com Songbpm.com BPMdatabase.com
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One-sentence summary --
Search for a beats-per-minute calculator and tap in your beats. Try an MP3 to BPM calculator to automatically analyze your song. Look for your song in a BPM database.