Friday, February 3, 2012

Obtaining a 5000 Personal Loan with Poor Credit in Quick and ...

Living an excellent life with all the benefits and services you can obtain needs you to definitely have an excellent source of profits. In the event you don?t earn enough, you?ll soon find yourself using credit cards and financing cash for your daily spending which could lead you into the biggest sets of debt. Once you lose your credit score to bad loan repayments or defaults, it is very difficult to gain it back.

Sometimes banks and financial organizations do not give out loans or credit cards to individuals with a poor credit standing. You will find alternative lending organizations that don?t base their loaning requirements on credit rating checks and you might easily avail loans of up to 5000 in unsecured or secured terms.

A lot of financing companies who loan funds to individuals with bad credit can be found online and have extremely minimal eligibility needs. The borrower has to be a US resident, should have a bank account and must be above 18 years of age to be eligible. There?s no credit assessment done on the prospective borrower and the loan application may be filled out and submitted online within a short period of time.

The majority of these financing options have very quick approval period and may be both secured and unsecured. Secured finance need guarantee to be given to ensure that the threat of loaning is brought down and the lender has the choice of acknowledging the debt amount by liquidating from the collateral.

The loan quantity could vary from anywhere between a thousand dollars to more than a hundred thousand dollars depending on whether it is a secured or an unsecured loan. Unsecured personal loans have higher interest rates and are normally for a short duration while secured loans need to be given back over a long time frame and with lesser interest rates. The personal info of the debtor needs to be supplied and as soon as the authorization is given, the money is delivered within a few hours.

This may not always be true mainly because providers also engage in different checks especially to confirm the credibility of the borrower?s title to the collateral. A few businesses also conduct credit checks for unknown loan seekers so ensure that you read some evaluations before using a financial institution. Unsecured finance are not usually given out and normally lenders prefer to have the less threatening guaranteed loan.

Are currently having bad times with you financial difficulties? Worry no more and acquire now on bad credit 5000 personal loans online and get instant access to some useful information about loaning today!!!

Source: http://articlesobserver.com/finance/obtaining-a-5000-personal-loan-with-poor-credit-in-quick-and-simple-way

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What Contributed to Romney's Florida Primary Win? (ContributorNetwork)

Former Massachusetts Gov. Mitt Romney easily won the Florida primary Tuesday night, getting 46.4 percent of the votes to former House Speaker Newt Gingrich's 31.9 percent of the votes with 100 percent of votes reported. Former Pennsylvania Sen. Rick Santorum and Rep. Ron Paul, R-Texas, finished a distance third and fourth.

Here are a number of factors that figured in the big win for Romney, roughly a 15 percent cushion over his closest rival:

* CBS News early exit polling showed that two in three voters were affected by the two Florida debates leading up to the primary and that 45 percent of voters saw the ability to win the White House as the top quality they sought in a candidate.

* According to Fox News exit polls, women chose Romney by a 22 percent margin over Gingrich -- 51 percent to 29 percent, as reported by The Daily Caller.

* 92 percent of the ads run in Florida this last week leading up to the primary were negative. Romney and his PAC spent some $15.4 million alone on TV and radio spots in the state, according to the New York Times' The Caucus.

* About one in six registered GOP voters turned in absentee ballots, or more than 665,000, according to The Orlando Sentinel.

* Voter turnout has exceeded 1.6 million, per the vote count from the Florida Department of State.

* According to Politico, through January 27, Romney and his super PAC have outspent Gingrich and his super PAC by about $12 million regarding media spending.

* The Hill reported an NBC News/Marist poll released Sunday showing that 96 percent of likely Florida GOP voters polled had already made up their minds on who they'd vote for.

* Per the Associated Press, Romney won the counties that contained the cities of Orlando, Tampa, and Miami, while Gingrich's strongest showings were in the northern part of the state and in some counties between the three above cities.

* Because Florida is a winner-take-all state primary, Romney is set to get all the 50 delegates.

* Gingrich was still beaten decisively, despite the late President Ronald Reagan's son Michael Reagan endorsing Gingrich and campaigning with him.

Source: http://us.rd.yahoo.com/dailynews/rss/gop/*http%3A//news.yahoo.com/s/ac/20120201/pl_ac/10911923_what_contributed_to_romneys_florida_primary_win

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Thursday, February 2, 2012

Birth control pill recall amid pregnancy fear

Pfizer said on Tuesday it was recalling about a million packets of birth control pills in the United States because they may not contain enough contraceptive to prevent pregnancy.

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"As a result of this packaging error, the daily regimen for these oral contraceptives may be incorrect and could leave women without adequate contraception, and at risk for unintended pregnancy," according to a Pfizer statement on the U.S. Food and Drug Administration website.

Pfizer found that some packets of the drugs had too many active tablets, while others had too few.

Oral birth control products use a series of 21 drug tablets and 7 inactive sugar tablets to regulate the menstrual period while providing contraception.

The birth control pills posed no health threat to women, Pfizer said, but it urged consumers affected by the recall to "begin using a non-hormonal form of contraception immediately."

The drugmaker said the issue involved 14 lots of Lo/Ovral-28 tablets and 14 lots of Norgestrel and Ethinyl Estradiol tablets.

A company spokeswoman said the problem was caused by both mechanical and visual inspection failures on the packaging line, The Associated Press reported.

She said the problem has been corrected.

The pills were manufactured by Pfizer and marketed by Akrimax Pharmaceuticals and shipped to warehouses, clinics and retail pharmacies nationwide, the company said.

Reuters and The Associated Press contributed to this report

Source: http://www.msnbc.msn.com/id/46217423/ns/health-womens_health/

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Westward, Ho: Romney, GOP rivals now spreading out (AP)

WASHINGTON ? The Republican presidential campaign rolled westward Wednesday, Mitt Romney riding herd after his Florida primary victory, Newt Gingrich looking for a new stake and a top party leader insisting the long trail won't necessarily hurt the GOP in the race against President Barack Obama.

Already the television ads were showing up in states that vote next, caucuses in Nevada on Saturday, in Minnesota and Colorado next Tuesday and in Maine the following weekend.

"I'm feeling like we've got a good pathway ahead," Romney declared in a television interview on the day after his Florida triumph.

He is favored in Nevada, where there are 28 Republican National Convention delegates at stake. And, alone among the contenders, appears to have the money to compete aggressively in all the other states as well.

Gingrich decamped from Florida but with prospects considerably dimmer than Romney's.

He was conceding nothing. Routed on Tuesday night, the former House speaker vowed to stay in the race until the party convention next summer. And his decision not to telephone the primary winner with congratulations drew notice.

"I guess Speaker Gingrich doesn't have our phone number," Romney said.

The Florida campaign was marked by millions of dollars in negative ads, and Gingrich's promise to remain in the race raised the prospect of a months-long struggle. But current House Speaker John Boehner said he was not concerned.,

"I would remind people that President Obama and Secretary of State Hillary Clinton had a fight that went through June of 2008. I think everybody just needs to realize that this will resolve itself," he said.

Jubilant in victory on Tuesday night, Romney was thrown onto the defensive the day after. "I'm not concerned about the very poor" because they have a social safety net, he said on CNN. Criticized quickly, he hastened to clarify.

"No, no, no, no, no, no, no," Romney told reporters on his campaign plane when asked about the comments. He referred back to his complete remarks, in which he had said he would focus on middle-income Americans rather than the very poor, who get government help, or the very rich, who don't need it. "My energy is going to be devoted to helping middle-income people," he said.

By then, though, he was drawing criticism from conservatives who worried he was showing a penchant for verbal gaffes as well as from Obama's campaign manager. "So much for `we're all in this together,'" tweeted Jim Messina.

Gingrich piled on. " I am fed up with politicians in either party dividing Americans against each other," he said.

After making no significant campaign effort in Florida, former Sen. Rick Santorum and Texas Rep. Ron Paul looked for better days in the contests just ahead.

Santorum picked up an endorsement from former Colorado Rep. Tom Tancredo, known for his hardline position on immigration.

Eager to emerge as the leading conservative in the race, Santorum said Gingrich was nearing the end of his run. "If Newt's out of the race, all his votes come to me," he said, mirroring what the former House speaker frequently says about him.

In a speech in Woodland Park, Colo., Santorum said Romney's nomination would doom the party to defeat in the fall.

"Barack Obama, in a debate or in this election, is going to destroy Mitt Romney on the issue of health care," Santorum warned, saying that the former governor supported a requirement for individuals to purchase health care in Massachusetts that is akin to the provision in the legislation that Obama signed into federal law.

Paul, campaigning in Las Vegas, said he favors an immigration policy that doesn't rely on "barbed wire fences and guns on the border." Appearing before an audience of Hispanics, he said he opposes illegal immigration but also is against any effort to round up and deport individuals who are in the United States illegally.

After a month in which four contests produced three winners, Romney appeared to hold formidable advantages in fundraising and organization to go with a lead in national convention delegates. After winning all 50 at stake in Florida, he had 87 in AP's count. Gingrich had 26 delegates, Rick Santorum had 14 and Ron Paul had four. It takes 1,144 to win the nomination.

Reports filed with the Federal Election Commission show Romney's campaign had $20 million on hand as of Jan. 1 and Restore Our Future, an outside group that supports him, had $23.6 million.

The total of $43.6 million dwarfs figures reported by the other contenders and the groups that back them, although the onset of the 2012 caucuses and primaries was certain to have produced changes.

Figures from Florida show Romney and Restore Our Future spent more than $15 million on television ads combined, many of which attacked Gingrich. The former speaker and an organization that backs him spent less than $4 million.

Already, Romney and Restore our Future were airing ads in Nevada, as was Paul.

Paul also was on the air in Minnesota, along with the Red White and Blue Fund, which support Santorum.

___

Associated Press writers Philip Elliott and Beth Fouhy in Colorado, Kasie Hunt in Minnesota, Laurie Kellman in Washington and Shannon McCaffrey in Nevada contributed to this story.

Source: http://us.rd.yahoo.com/dailynews/rss/topstories/*http%3A//news.yahoo.com/s/ap/20120202/ap_on_el_pr/us_gop_campaign

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Wednesday, February 1, 2012

Video: Nasdaq's Greifeld Talks Q4 Results

Robert Greifeld, NASDAQ OMX Group CEO, discusses Nasdaq's second-best quarter ever on a non-GAAP basis. "We see big opportunities in the derivatives market," he tells CNBC's Maria Bartiromo.

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Source: http://video.msnbc.msn.com/cnbc/46225419/

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Fossil DNA has clues to surviving rapid climate change

Continue reading page |1 |2

Surviving the last ice age was more than just a matter of growing a woolly coat. Rapid global temperature swings had to be matched by equally rapid adaptation. Now a remarkable find from Canada's permafrost could help explain how the trick was done, through a process that might offer organisms a way to cope with the dramatic climate change the world is facing.

DNA extracted from the bones of an extinct bison shows that the environment influenced the way the animal's genes worked without altering the genetic code. It is the best evidence yet that such epigenetic changes can be fossilised.

Inheritance doesn't begin and end with genetic mutations. Environmental factors can modify DNA and lead to heritable changes in the way that genes are expressed ? even though the genetic code itself is unchanged.

Brief encounter?

The big unanswered question is whether these epigenetic changes influence the long-term evolution and survival of a species, or whether they disappear too quickly to have any lasting impact.

Some evolutionary biologists favour the first option. They say that exposure to an environmental stress could trigger a useful epigenetic change in many members of a population simultaneously. The trait could then be passed down to most of the next generation.

A beneficial genetic mutation, in contrast ? the kind we're more familiar with ? spreads only through breeding and so takes much longer to become established in the population.

"Epigenetic modification strikes me as an ideal way for animals to respond to environmental change," says Alan Cooper, a palaeobiologist at the University of Adelaide in South Australia.

Frozen perfection

Before that idea can be tested, though, Cooper needed to show that epigenetics is preserved in the fossil record ? the best place to study evolutionary processes over a large number of generations.

A prime spot to go looking for ancient epigenetic signals is in permafrost that formed during the last ice age. The frozen soils are already recognised as the best environment on Earth for preserving the ancient DNA in which epigenetic signals might be found.

Cooper and his team extracted DNA from the bones of a 26,000-year-old extinct bison (Bison priscus) preserved in permafrost in the Canadian Arctic. They later analysed the DNA using a technique called bisulfite sequencing to look for evidence of a particular kind of epigenetic change ? DNA methylation. Bisulfite sequencing destroys unmethylated cytosine bases in the DNA, so all cytosines that remain must therefore have been methylated.

Convincing stuff

Sure enough, the team found methylated DNA in the ancient sample. Then they went one step further: most of the methylations they found were in exactly the same spots as methylations in the same genes of modern cattle. That is strong evidence that the ancient methylations were not the product of chemical damage occurring after the bison's death (PLoS One, DOI: 10.1371/journal.pone.0030226).

"I'm convinced, and I'm pretty tough that way," says Hendrik Poinar, a palaeogeneticist at McMaster University in Hamilton, Ontario, Canada, who was not a member of Cooper's team.

The next step will be to gather more ancient samples from before and after a major environmental change ? the end of a glaciation, for example, or the arrival of humans in the New World ? to see whether any epigenetic changes correlate with the environmental transition. If they do, evolutionary biologists will move a step closer to proving that epigenetic changes help species adapt to rapid change.

Neanderthal action

And that applies to more than just extinct bison. Methylation has been found in ancient DNA once before. In 2009, a team led by Svante P??bo of the Max Planck Institute for Evolutionary Anthropology in Leipzig, Germany, uncovered evidence of the process in Neanderthal and mammoth DNA (Nucleic Acids Research, DOI: 10.1093/nar/gkp1163).

P??bo says he may soon start gathering data on methylation of Neanderthal DNA as part of his work on Neanderthal genomics. Epigenetics is already thought to occur in humans ? it has been cited as an explanation for the high incidence of post-traumatic stress disorder among those whose parents survived the holocaust. Epigenetic data spanning a much longer interval in human prehistory could reveal that the process was key to adapting quickly to a wide range of environmental conditions during the Pleistocene.

Tracking ancient epigenetic changes will inevitably be a tough task. For example, although Cooper's team successfully read methylation from a fossil bison specimen, they could not find a signal in five other bison fossils they examined, which suggests that reading ancient epigenetic signatures requires exceptional preservation.

Tall order

Moreover, individual animals ? and even particular tissues within an individual ? differ in their style of methylation, so researchers may need many samples to tease evolutionarily meaningful differences from all the variability, says Catherine Suter at the University of New South Wales, Sydney, Australia, who co-led the bison research with Cooper.

Even if researchers can pick the signals from the noise, they will then have to work out what the epigenetic changes do, and whether they are in fact adaptive ? a tall order given how little we know about interpreting epigenetic signals even in modern DNA.

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2 convicted in Norway of plotting terror attack (AP)

OSLO, Norway ? Two men accused of plotting to attack a Danish newspaper that caricatured the Prophet Muhammad were found guilty Monday of terror charges in Norway, the first convictions under the country's anti-terror laws.

The Oslo district court sentenced alleged ringleader Mikael Davud to seven years in prison and co-defendant Shawan Sadek Saeed Bujak to three and a half years.

Judge Oddmund Svarteberg said the court found that Davud "planned the attack together with al-Qaida."

A third defendant, David Jakobsen, was cleared of terror charges but convicted of helping the others acquire explosives. Jakobsen, who assisted police in the investigation, was sentenced to four months.

Investigators say the plot was linked to the same al-Qaida planners behind thwarted attacks against the New York subway system and a British shopping mall in 2009.

The case was Norway's most high-profile terror investigation until last July, when a right-wing extremist killed 77 people in a bomb and shooting massacre.

The three men, who were arrested in July 2010, made some admissions but pleaded innocent to terror conspiracy charges and rejected any links to al-Qaida.

During the trial Davud denied he was taking orders from al-Qaida, saying he was planning a solo raid against the Chinese Embassy in Oslo. He said he wanted revenge for Beijing's oppression of Uighurs, a Muslim minority in western China.

Davud, a Norwegian citizen, also said his co-defendants helped him acquire bomb-making ingredients but didn't know he was planning an attack.

Prosecutors said the Norwegian cell first wanted to attack Danish newspaper Jyllands-Posten, whose 12 cartoons of Muhammad sparked furious protests in Muslim countries in 2006, and then changed plans to seek to murder one of the cartoonists instead.

Bujak, an Iraqi Kurd, said the paper and the cartoonist were indeed the targets, but described the plans as "just talk."

Prosecutors had to prove the defendants worked together in a conspiracy, because a single individual plotting an attack is not covered under Norway's anti-terror laws.

During the trial, prosecutors presented testimony obtained in the U.S. in April from three American al-Qaida recruits turned government witnesses.

Jakobsen, an Uzbek national who changed his name after moving to Norway, provided some of the chemicals for the bomb, but claims he did not know they were meant for explosives. Jakobsen contacted police and served as an informant, but still faced charges for his involvement before that.

The men had been under surveillance for more than a year when authorities moved to arrest them in July 2010. Norwegian investigators, who worked with their U.S. counterparts, said the defendants were building a bomb in a basement laboratory in Oslo.

Source: http://us.rd.yahoo.com/dailynews/rss/terrorism/*http%3A//news.yahoo.com/s/ap/20120130/ap_on_re_eu/eu_norway_terror_trial

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