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Typically there are no signs that a belt is ready to snap. Sometimes you may notice that it is fraying or cracking but in most cases you will have no warning signs.
It is recommended that you change the belt every 90,000 miles or every six years whichever comes first. If you don't know if the previous owner had the belts changed then they probably weren't. If you received no prior maintenance records from the previous owner or the dealership you bought it from then you can only assume it was not done. I would consider having it done or taking it Honda and have them inspect the belts because if the timing belt goes while driving you are going to do a lot of damage to your valve train.
If you decide to have this done then have all your drive belts changed as well as your water pump. Your water pump has to be removed in order to change the belt so it is a good idea to have the pump changed at that time. Also, inspect your cam seals while everything is open, especially the seal on the distributor side (this seal is known to be very weak and prone to leak). I had to have my seal replaced and it would have been cheaper if I took care of it when the timing belt was done.
I took mine to a local mechanic and had the belt done, all drive belts, tensioner replaced and the water pump replaced for $470. There is a number to go by, but it will be considerably more at the dealership.
Good luck.
Mark
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94 Prelude VTEC - garage queen - SOLD 
03.5 Titanium Grey Mazdaspeed Protege - new garage queen
07 SSM Fit Sport - daily driver
AIM: MarkSpeed94
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