BEWARE

            Gardeners are at risk for tetanus. The bacteria that causes tetanus, also called lockjaw. Is commonly found in dirt and on tools. Gardeners account for more than one-third of the tetanus cases reported in the US each year. Self-defense: Get a booster shot every 10 years. Tetanus is rare, but it can be fatal.

            Injuries from falling televisions are on the rise among children age nine and under - sometimes because TVs are pulled or pushed by children or tipped over when a child is climbing. Theory: In recent years, heavier and larger, tip-prone TVs have increased in popularity. Self-defense: Strap a TV to a stable stand, or mount it to a wall.

            Most US homes are over-assessed. Assessment cycles have not caught up with the drop in home values, so as many as 60% of properties are worth less than the amount of their assessments. This means that you can challenge your assessment and have a better chance of paying lower property taxes.

What to do: Visit your local assessor's office, and check the statistics on your home for accuracy. Look at property cards for a number of similar homes in the neighborhood - if their assessments are lower, you can argue that yours should be, too. Gather sales-price data for several comparable homes sold in recent months, and use the information to argue that your home's market value has declined. Caution: If your tax bill comes due before your appeal is resolved; pay the bill in full to avoid having a lien placed on your home. Or go to professionalproblemsolver.com and we can help you lower you real estate taxes.

            Don't put ice on a burn. Several published studies have shown that putting ice on a burn can damage the skin further, even causing frostbite. It is much better to run the burn under cold water, take a pain reliever and cover the burn with gauze.

Contact professionalproblemsolver.com for more advice.