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THE PALM BEACH POST DECEMBER 1, 1997 25 BUSINESS CE GUIDE BETTER BIOIESS BUREAU ISSQuR Shop shrewdly for carpet cleaners " When considering a professional carpet cleaning service, the BBB advises the following: If your carpet is new, read the warranty or ask the heavy-duty traffic pattern cleaners. Find out what care is required after the cleaning. How long will it take to dry? What kind of ventilation is needed? Can you get a written guarantee? Ask these . questions in advance. For more information, or to learn how you can support your local Better Business Bureau, call (561) 686-2200 in Palm Beach County (24 hours a day) or (561) 878-2010 on the Treasure Coast. have used. Were they satisfied with the service? Also check the company out with the Better Business Bureau. Examine the company's advertising for unrealistic promises or claims that sound "too good to be true." Be wary of companies that advertise they will clean a certain number of rooms at an exceptionally low price. This might be a "bait" advertisement. Ask about extras that may increase your cost, such as the moving of furniture or the use of seller if there are any special cleaning methods recommended by the manufacturer. T Some carpets must be professionally cleaned regularly to maintain their warranty. Plan ahead. Ask your friends and neighbors what service they Shop & Compare Our Mortgage Rates Are Lower Than Banks Agriculture B Florida Department of Agriculture and Consumer Services: (904) 488-3022 P Farmworker Justice Project: 561-996-5266 B Florida Department of Citrus: (941) 499-2500 B Florida Farm Bureau Federation: (352) 378-1321 B Florida Fruit & Vegetable Association (407) 894-1351 B Florida Nurserymen and Growers Association: (407) 345-8137 B Indian River Citrus League: (561) 562-2728 Banking B Office of the Comptroller: (800) 848-3792 Consumers B American Automobile Association: (407) 444-4000 B Better Business Bureau: 686-2200 (Palm Beach County); 337-2083 (Martin County); 878-2010 (St. Lucie County) B Consumer Credit Counseling Service of Palm Beach County and the Treasure Coast of Florida: (800) 330-2227 B Consumer Federation of America: (202) 387-6121 B Consumer Product Safety Commission: (800) 638-2772 B Contractors Certification Division: (561) 233-5530; (561) 233-5525 (for licensing information) B Florida Attorney General's Office, consumer section: (954) 712-4600 , B Florida Consumer Action Network: (904) 222-4006 B Lemon law program: (800) 321-5366 B National Consumers League, Fraud Information Center: (800) 876-7060; (202) 835-3323 B Palm Beach County Division of Consumer Affairs: 233-4820 (West Palm Beach area); 930-5124 (South County and West County) General business B Associated Industries of Florida: (904) 224-7173. B Florida Department of -; Business and Professional Regulation: (904) 487-2252 B Florida Tax Watch: (904) 222-5052 B South Florida Manufacturing Technology Center: (954) 941-0115 B Internal Revenue Service, Atlanta: (404) 522-0050 B U.S. Bankruptcy Court: (305) 536-5979 Health B Agency for Health Care Administration: (800) 342-0828 B HMO Hotline: (800) 226-1062. Insurance B Florida Department of Insurance: 800-342-2762. B Florida Insurance Council Inc.: (904) 386-6668 fl Florida Windstorm Pool: (904) 296-6105 Investments B American Stock Exchange: (212) 306-1634 B Association of Publicly Traded Companies: (202) 857-1114 B Bond Investors Association: (305) 557-1832 B Commodity Futures Trading Commission: (202) 418-5080 B Florida Division of Securities: (904) 488-9805 B Florida Securities Dealers Association: (904) 561-0473 B National Association of Investors Corp.: (810) 583-NAIC, (561) 575-5697 B National Association of Securities Dealers: (202) 728-8197 B National Futures Association: (312) 781-1300 B New York Stock Exchange: (212) 656-3000 B Securities and Exchange Commission, Miami regional office: (305) 536-4700 M&m 15 Year Fixed jmsjgagas S7fiHte 6.375 6.86apr Hp,33Ht $8.64Amonhlyp,r$1000 ,. pflHriE HE" 90 No-Income Check! whm 95 Financing to $350,000 Free Rate Locks Commitments in 10 Days GUARANTEED For Information or to Apply by Telephone (561) 684-1200 American Home Mortgage fowling Opportunity 2255 Glades Road, Boca Raton, FL 33431 Hours: Monday Friday 9-6, Saturday I Sunday 11-3 LTVi above Kfll at slightly higher Affl, Not al tuturet available for all programs. ARM is for 40 yr. tarm. 10 Day Guaranlaa for quanta) applicants wbmiling completed applications. Rates are subject to change without notice, licensed Mortgage Banker. Do you know where the Dow will go in '98? Will the spirited bull dominate the stock market? Or will the bear's pessimism overshadow it? And, what will happen to the Dow as the two battle for control? Find out what Raymond James, the investment firm that's been nationally acclaimed for its research recommendations, thinks. CHAMBERS G7 COMMERCE If you're worth over $1 million... then you can't afford to miss this free investment and financial planning workshop designed to help you get the most from your investments. RAYMOND JAMES S, ASSOCIATES . tfxJC Mmbr Naw York Slock ExehanQ8IPC 2255 Glades Road Suite 120-A Boca Raton, Florida 3343 1 56 1 -997-9 1 00 800-327-1 055 ' December 9, 17 or 18 2:00 - 4:00 f .m. Embassy Suites 661 NW 53rd Street Boca Raton, Florida hosted by John L. Page and Gary Gross Senior Vice Presidents, Investments 1998 Chairman's Council Members Raymond James & Associates featured guest E. Lance Vetter Regional Vice President G.T. Global Lantana: 585-8664. Northern Palm Beaches: 694-2300. Okeechobee County: (941) 763-6464. Pahokee: 924-5579. Palm Beach: 655-3282. Palm City: 286-8121. Palms West: 790-6200. St. Lucie County: 595-9999. StuartMartin County: 287-1088. SunCoast: 842-7146. Vero BeachIndian River Chamber: 567-3491. Wellington: 792-6525 Women's of Palm Beach Countyj 835-0057," . - Belle Glade: 996-2745. Boynton Beach: 732-9501. Central Palm Beach County: 642-4260. Chamber of the Palm Beaches: 833-3711. Christian: 988-0160. Delray Beach: 278-0424. Greater Boca Raton: 395-4433. Greater Lake Worth: 582-4401. Hispanic Chamber of PB County: 964-4068 Hobe Sound: 546-4724. Indiantown: 597-2184. Jensen Beach: 334-3444. JupiterTequestaJuno Beach: 746-7111. Seating is limited, so please make your reservation today by calling Elyse at 561-997-9100 or 800-327-1055. Prospectuses will be available at the seminar. Please read yours carefully for details, including fees and charges, before investing or sending money.