WASHINGTON (Reuters) - Republican presidential candidate Mitt Romney dismissed supporters of President Barack Obama - almost half of U.S. voters - as people who live off government handouts and do not "care for their lives," in a potentially damaging video.
The video, taken secretly at a fundraising event for the former private-equity executive, was the latest setback for his campaign, which is struggling with low poll numbers and reports of infighting.
Romney hastily called a news conference in Costa Mesa, California, to respond to the video. He said his comments were not well stated, but he did not back away from them.
The video was shot with a hidden camera as Romney spoke to potential donors at a private event earlier this year. It was posted online on Monday by the liberal magazine Mother Jones.
"There are 47 percent who are with him (Obama), who are dependent upon government, who believe that they are victims, who believe the government has a responsibility to care for them," Romney is heard saying on the video. He also said the 47 percent did not pay taxes.
The video gave the Obama campaign a chance to return to a popular theme - that the multi-millionaire Romney is an out-of-touch elitist.
"It's not elegantly stated. Let me put it that way," Romney said in response.
"I'm sure I could state it more clearly and in a more effective way than I did in a setting like that," he told the news conference in California.
However, Romney stuck by his video-taped remarks, saying it was a message that he would continue to carry in the run-up to the November 6 presidential election.
"Frankly, my discussion about lowering taxes isn't as attractive to them and therefore I'm not likely to draw them into my campaign as those in the middle," Romney said.
"This is really more about the political process of winning the election and of course I want to help all Americans have a bright and prosperous future and I'm convinced that the president's approach has not done that and will not do that."
The video added to Romney's problems as he tried to retool his campaign message with more specifics on policies after reports of internal disarray.
He has slipped in polls in the past two weeks as the selection of running mate Paul Ryan and the Republican National Convention failed to make much of a mark with voters.
A Reuters/Ipsos survey on Monday taken over the previous four days showed Romney - often painted by rivals as an out-of-touch elitist - trailing Obama by five percentage points.
In the new video, Romney said he did not need to concern himself with Obama supporters.
"My job is not to worry about those people. I'll never convince them they should take personal responsibility and care for their lives. What I have to do is convince the 5 to 10 percent in the center that are independents," he said to potential donors.
The tape brought back memories of controversial remarks that then-candidate Barack Obama made at a fundraiser during his 2008 campaign when he said that white rural voters "cling to guns or religion."
On Monday, the Obama campaign tried to take advantage of Romney's comments.
"It's shocking that a candidate for president of the United States would go behind closed doors and declare to a group of wealthy donors that half the American people view themselves as ?victims,'" Jim Messina, Obama's campaign manager, said in a statement.
"It's hard to serve as president for all Americans when you've disdainfully written off half the nation," he said.
Romney's campaign said the Republican is concerned about Americans who are poor and unemployed.
"Mitt Romney wants to help all Americans struggling in the Obama economy," Gail Gitcho, Romney's campaign communications director, said in a statement issued in response to a request for comment.
OBAMA SUPPORTERS "PAY NO INCOME TAX"
Mother Jones did not say when or where the video was taken to protect the identity of the person who recorded it. It did say Romney's remarks had been made at some point after he clinched the Republican presidential nomination in April.
In the video, the former Massachusetts governor accused Obama supporters of paying no income taxes. "These are people who pay no income tax," he said. "Forty-seven percent of Americans pay no income tax."
Romney has been criticized for not releasing more than two years' worth of tax returns.
Republican National Committee Chairman Reince Priebus jumped to Romney's defense.
"I think that we are entering into a dependency society in this country, that if we don't break that up, I think that's going to be very hard for us to compete in the world," he told CNN. "I don't think the candidate's off message at all."
Romney also discussed with donors his strategy for appealing to undecided or independent voters by stressing disappointment with Obama's policies.
"Those people that we have to get, they want to believe they did the right thing, but he just wasn't up to the task. They love the phrase that he's 'Over his head,'" Romney said in the video.
(Additional reporting by David Morgan in Washington and Steve Holland in California.; Editing by Alistair Bell, Bill Trott and Christopher Wilson)
Source: http://news.yahoo.com/romney-derides-obama-supporters-hidden-camera-speech-012313155.html
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More than half of biomedical findings cannot be reproduced ? we urgently need a way to ensure that discoveries are properly checked
REPRODUCIBILITY is the cornerstone of science. What we hold as definitive scientific fact has been tested over and over again. Even when a fact has been tested in this way, it may still be superseded by new knowledge. Newtonian mechanics became a special case of Einstein's general relativity; molecular biology's mantra "one gene, one protein" became a special case of DNA transcription and translation.
One goal of scientific publication is to share results in enough detail to allow other research teams to reproduce them and build on them. However, many recent reports have raised the alarm that a shocking amount of the published literature in fields ranging from cancer biology to psychology is not reproducible.
Pharmaceuticals company Bayer, for example, recently revealed that it fails to replicate about two-thirds of published studies identifying possible drug targets (Nature Reviews Drug Discovery, vol 10, p 712).
Bayer's rival Amgen reported an even higher rate of failure - over the past decade its oncology and haematology researchers could not replicate 47 of 53 highly promising results they examined (Nature, vol 483, p 531). Because drug companies scour the scientific literature for promising leads, this is a good way to estimate how much biomedical research cannot be replicated. The answer: the majority.
The reasons for this are myriad. The natural world is complex, and experimental methods do not always capture all possible variables. Funding is limited and the need to publish quickly is increasing.
There are human factors, too. The pressure to cut corners, to see what one wants and believes to be true, to extract a positive outcome from months or years of hard work, and the impossibility of being an expert in all the experimental techniques required in a high-impact paper are all contributing factors.
The cost of this failure is high. As I have experienced at first hand as a researcher, attempts to reproduce others' published findings can be expensive and frustrating. Drug companies have spent vast amounts of time and money trying and failing to reproduce potential drug targets reported in the scientific literature - resources that should have contributed towards curing diseases.
Failed replications also quite often go unpublished, thereby leading others to repeat the same failed efforts. In the modern fast-paced world, the normal self-correcting process of science is too slow and too inefficient to continue unaided.
Many have wrung their hands and proposed various penalties for scientific studies that cannot be reproduced. But instead of punishing investigators, what if there was a way of rewarding them for pursuing independent replication of their most significant scientific results - the ones they want to see cited and built on - before or shortly after publication? I believe this could be a substantial boon to science and society, which is why I started the Reproducibility Initiative.
I am the co-founder and CEO of Science Exchange, part of the initiative. It is an online marketplace to connect scientific services, such as DNA sequencing, with people who need them. The exchange lists more than 1000 experts in techniques including sequencing, electron microscopy and mass spectrometry. They mostly provide services to their own institute, but are open to other work on a fee-paying basis.
Thinking about the reproducibility problem, I realised that Science Exchange could help by providing investigators with the means and incentives to obtain independent validation of their results.
Here's how it works. Scientists submit studies to us that they would like to see replicated. Our independent scientific advisory board - all members of which are leaders in their fields as well as advocates on the reproducibility problem - selects studies for replication. Service providers are then selected at random to conduct the experiments, and the results are returned to the original investigators, who can then publish them in a special issue of the open-access journal PLoS ONE. We will issue a "certificate of reproducibility" for studies that are successfully replicated.
In our pilot phase, we expect to attempt to replicate 40 to 50 studies. We also plan to publish an analysis of the overall success of what is essentially an experiment in reproducibility.
Initially, investigators must bear the cost of replications, which we estimate will be approximately one-tenth the cost of the original study. If we are successful, we believe funders will eventually see the value of supporting these replication studies. In fact, we are in discussions with numerous public and private funders who believe our mechanism may meet their own acknowledged need for independent validation.
We hypothesise that the success rate for replications will be quite high, mainly because investigators will submit studies that they are confident can be replicated. And that is one of the points we want to make - we want to identify the most robust, important findings and mark them in a highly visible way.
What we are not doing - a point that many have misunderstood - is trying to police the entire scientific literature. Nor are we calling for a doubling of the budgets required to repeat every experiment, every time. We also won't demand the publication of reproducibility failures - although, for obvious reasons, we and PLoS encourage investigators to publish all outcomes.
Our goal is to provide a much-needed imprimatur of robustness that will ultimately increase the efficiency of research and development and bring us one step closer to perfecting the scientific method, for the benefit of all.
Elizabeth Iorns is co-founder and CEO of Science Exchange, based in Palo Alto, California. For more information, visit reproducibilityinitiative.org
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NEW YORK (AP) ? Occupy Wall Street began to disintegrate in rapid fashion last winter, when the weekly meetings in New York City devolved into a spectacle of fistfights and vicious arguments.
Punches were thrown and objects were hurled at moderators' heads. Protesters accused each other of being patriarchal and racist and domineering. Nobody could agree on anything and nobody was in charge. The moderators went on strike and refused to show up, followed in quick succession by the people who kept meeting minutes. And then the meetings stopped altogether.
In the city where the movement was born, Occupy was falling apart.
"We weren't talking about real things at that point," says Pete Dutro, a tattoo artist who used to manage Occupy's finances but became disillusioned by the infighting and walked away months ago. "We were talking about each other."
The trouble with Occupy Wall Street, a year after it bloomed in a granite park in lower Manhattan and spread across the globe, is that nobody really knows what it is anymore. To say whether Occupy was a success or a failure depends on how you define it.
Occupy is a network. Occupy is a metaphor. Occupy is still alive. Occupy is dead. Occupy is the spirit of revolution, a lost cause, a dream deferred.
"I would say that Occupy today is a brand that represents movements for social and economic justice," says Jason Amadi, a 28-year-old protester who now lives in Philadelphia. "And that many people are using this brand for the quest of bettering this world."
On Monday, protesters will converge near the New York Stock Exchange to celebrate Occupy's anniversary, marking the day they began camping out in Zuccotti Park. Marches and rallies in more than 30 cities around the world will commemorate the day.
About 300 people observing the anniversary marched Saturday. At least a dozen were arrested, mostly on charges of disorderly conduct, police said.
But the movement is now a shadow of its mighty infancy, when a group of young people harnessed the power of a disillusioned nation and took to the streets chanting about corporate greed and inequality.
Back then it was a rallying cry, a force to be reckoned with. But as the encampments were broken up and protesters lost a gathering place, Occupy in turn lost its ability to organize.
The movement had grown too large too quickly. Without leaders or specific demands, what started as a protest against income inequality turned into an amorphous protest against everything wrong with the world.
"We were there to occupy Wall Street," Dutro says. "Not to talk about every social ill that we have."
The community that took shape in Zuccotti Park still exists, albeit in a far less cohesive form. Occupiers mostly keep in touch online through a smattering of websites and social networks. There are occasional conference calls and Occupy-affiliated newsletters. Meetings are generally only convened to organize around specific events, like the much-hyped May Day event that ultimately fizzled last spring.
The movement's remaining $85,000 in assets were frozen, though fundraising continues.
"The meetings kind of collapsed under their own weight," explains Marisa Holmes, a 26-year-old protester among the core organizers who helped Occupy rise up last fall. "They became overly concerned with financial decisions. They became bureaucratic."
In other words, they became a combustible microcosm of the society that Occupiers had decided to abandon ? a new, equally flawed society with its own set of miniature hierarchies and toxic relationships. Even before the ouster at Zuccotti Park, the movement had been plagued with noise and sanitary problems, an inability to make decisions and a widening rift between the park's full-time residents and the movement's power players, most of whom no longer lived in the park.
"We've always said that we want a new society," Holmes says. "We're not asking anything of Wall Street. We don't expect anything in return."
Occupy organizers in other U.S. cities have also scattered to the winds in recent months. In Oakland, a metal fence surrounds the City Hall lawn that was the hub of protesters' infamous tear-gassed, riotous clashes with police. The encampment is gone, as are the thousands who ventured west to help repeatedly shut down one of the nation's largest ports.
"I don't think Occupy itself has an enormous future," says Dr. Mark Naison, a professor at Fordham University in New York City. "I think that movements energized by Occupy have an enormous future."
Across the nation, there have been protests organized in the name of ending foreclosure, racial inequality, stop and frisk, debt: You name it, Occupy has claimed it. Occupy the Bronx. Occupy the Department of Education. Occupy the Hood. Occupy the Hamptons.
Protesters opposing everything from liquor sales in Whiteclay, Neb., to illegal immigration in Birmingham, Ala., have used Occupy as a weapon to fight for their own causes. In Russia, opposition activists protesting President Vladimir Putin's re-election to a third term have held a series of Occupy-style protests. Young "indignados" in Spain are joining unions and public servants to rally against higher taxes and cuts to public education and health care.
"All around the world, that youthful spirit of revolt is alive and well," says Kalle Lasn, co-founder of Adbusters, the Canadian magazine that helped ignite the movement.
In New York, groups of friends who call themselves "affinity groups" still gather at each other's apartments for dinner to talk about the future of Occupy. A few weeks ago, about 50 Occupiers gathered in a basement near Union Square to plan the anniversary.
There were the usual flare-ups, with people speaking out of order and heckling the moderators. The group could not agree on whether to allow a journalist to take photographs. An older man hijacked the meeting for nearly 15 minutes with a long-winded rant about the NYPD's stop-and-frisk tactics.
A document called "The Community Agreement of Occupy Wall Street" was distributed that, among other outdated encampment-era rules, exhorted Occupiers not to touch each other's personal belongings and laid out rules about sleeping arrangements.
It is this sort of inward-facing thinking ? the focus on Occupiers, not the world they're trying to remake ? that saddens ex-protesters like Dutro, who wanted to stay focused on taking down Wall Street.
Hanging in the entryway to his Brooklyn apartment, like a relic of the past, is the first poster he ever brought down to Zuccotti Park. In black and gold lettering, painted on a piece of cardboard, the sign says: "Nobody got rich on their own. Wall St. thinks U-R-A-SUCKER."
He keeps it there as a reminder of what Occupy is really fighting for. Because despite his many frustrations, Dutro hasn't been able to stamp the Occupy anger out of his soul. Not yet.
On Sept. 17, he'll be down at Liberty Square again. And he'll be waiting, like the rest of the world, to see what happens next.
"We came into the park and had this really magical experience," he says. "It was a big conversation. It was where we all got to realize: 'I'm not alone.'"
Source: http://news.yahoo.com/1-occupy-disarray-spirit-lives-161622760.html
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ScienceDaily (Sep. 17, 2012) ? In the first clinical trial to demonstrate an effective treatment for constant, disabling cough among people with idiopathic pulmonary fibrosis (IPF), researchers at the Johns Hopkins University School of Medicine found that taking thalidomide significantly reduced the cough and improved quality of life.
Results of their study are published in the Annals of Internal Medicine on Sept. 18, 2012, in an article titled ?Thalidomide for the Treatment of Cough in Idiopathic Pulmonary Fibrosis.?
IPF is a progressive, fatal disorder that causes the lungs to become stiff and scarred, preventing oxygen from leaving the lungs to go to the rest of the body. The cause is unknown. Up to 80 percent of people with IPF have a dry, nagging cough, for which no effective treatment is available.
Thalidomide is a potent anti-inflammatory drug that was used to treat morning sickness and aid sleep in the 1950s. It was taken off the market in 1961 after it was shown to cause severe birth defects when women took the drug during pregnancy. Today, thalidomide is prescribed with strict controls to treat several diseases, including multiple myeloma and kidney cancer. It had not been studied for people with lung disease before.
?We performed a randomized, double-blind, placebo-controlled trial of thalidomide in patients with IPF to determine its effectiveness in suppressing cough,? says lead author Maureen R. Horton, M.D., a pulmonary disease specialist and associate professor of medicine and environmental health sciences at the Johns Hopkins University School of Medicine.
?We found that low-dose thalidomide significantly reduced the cough and also improved the patients? quality of life, as demonstrated on established questionnaires known as the Cough Quality of Life Questionnaire and the St. George?s Respiratory Questionnaire,? says Horton.
For the study, patients either took low-dose thalidomide pills or a placebo for three months. Then there was a two-week ?wash out? period in which the patients took nothing, followed by another three months when those who had taken the thalidomide went on the placebo and those who had been given the placebo started taking the thalidomide. Neither the patients nor the researchers knew which group the individuals were in.
Twenty patients completed both arms of the study ? 15 men and five women. All were over age 50 and the mean age was 67.
Horton says the patients often noticed the difference within two weeks of taking the thalidomide. When they stopped the drug, their cough came back. ?At the end of the study, all of the participants said they wanted to continue taking the medicine because their cough had improved.?
On average, the patients reported that the frequency of their coughing decreased about 63 percent while they were taking thalidomide, and their respiratory-specific quality of life, such as the ability to do daily activities, improved about 20 percent. They also reported that the aspects of their life impacted by their cough also improved while they were on the drug.
?The constant cough caused by the disease can affect the quality of life in many ways,? says Horton. ?Some no longer go to church or to social gatherings because people think they are infectious. Other patients may have more pronounced urinary incontinence due to the cough, for example, so it has wide-ranging effects.?
Side effects, such as constipation, dizziness and malaise were reported by 74 percent of the participants while they were taking thalidomide, and by 22 percent of those who were on a placebo.
Horton says the idea of testing thalidomide for cough among IPF patients came about because the drug is known to have a powerful effect on decreasing inflammation. Horton and her colleagues conducted a previous, smaller study to see if thalidomide would help treat the IPF disease itself, and while the results of that research were not conclusive, they noticed that the patients had significant cough relief.
About 80,000 people in the United States have IPF, although it may be underdiagnosed. The risk increases with age. Treatments for the symptoms include oxygen therapy and pulmonary rehabilitation, but there is no effective treatment for the constant cough, which is a hallmark of IPF. Life expectancy after diagnosis is only about three to five years. The only cure is a lung transplant.
?Although the results were significant, this was a small study and we believe that a larger trial is warranted to confirm these promising results and also assess the drug?s impact on the disease itself,? says Horton. ?We have some hope that this therapy may be able to slow the progression of IPF, but that would have to be tested in a larger study.?
Celgene Corporation provided both the funding for the trial and the study medication but had no role in the study design, conduct, analysis, or manuscript preparation.
The study authors are: Maureen R. Horton, MD; Victoria Santopietro; Leena Mathew, BS; Karen M. Horton, MD; Albert J. Polito, MD; Mark C. Liu, MD; Sonye K. Danoff, MD and Noah Lechtzin, MD.
Note: Patients with idiopathic pulmonary fibrosis who participated in the study are willing to speak about their experience with the disease and how participation in the study affected their quality of life.
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Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/~3/7AgtbT32F6g/120917172909.htm
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With all of the comparisons of the iPhone 5 and Galaxy S III specs floating around, you've probably seen a lot of Android fans boasting Samsung's device has better hardware specs.
Even Samsung is running a full-page newspaper ad that breaks it all down.
But in reality, the spec sheets don't mean much if the device can't perform. That's why we have benchmark tests that show how hardware performs under a variety of conditions. The folks at Geekbench were able to put the iPhone 5's new A6 processor through the test, and it performed extremely well, even better than Samsung's Galaxy S III. We came across Geekbench's test on MacRumors.
For reference, a benchmark score is a number assigned to a device based on how it performs overall under tests. The higher the score is, the better.
In the coming days, you'll probably hear a lot about "quad-core" and "dual-core" processors. Ignore that. All that matters is how the devices perform in real-world conditions.?
Here's a nifty chart, sent to us by one of our Twitter followers, @shiningneptune, that shows how the iPhone 5 benchmark score compares to the Galaxy S III and other top-of-the-line Android phones.?
Note: The Galaxy S III processor tested here is the quad-core version. The U.S. version of the Galaxy S III has a slower processor.
Note 2: These are?average benchmark scores. Individual scores will differ a bit with each test.
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<div>Please enable Javascript to watch this video</div>Source: http://www.businessinsider.com/iphone-5-a6-processor-benchmark-2012-9
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Chris Brown has redeemed himself since - or at least succeeded in spite of - beating the crap out of then-girlfriend Rihanna in 2009. He's one of the hottest acts in music today.
Not everyone is thrilled by his "comeback," however.
A group in the UK has taken upon itself to go around to record stores and affix custom "warning" stickers to Chris Brown's albums. Those stickers read:
"WARNING. DO NOT BUY THIS ALBUM! THIS MAN BEATS WOMEN."
"It would appear a member of the public dropped into one of our stores yesterday and stickered a handful of CDs," a rep for HMV said, denying any involvement.
"These unauthorized stickers were spotted and quickly removed, but, before we could act, the [individuals] must have taken a photo and sent it to the media."
"To our knowledge there are no further stickers in our stores now."
No word on whether the renegades plan to hit any other stores or if they saw Rihanna and Chris Brown kiss at the VMAs ... seems she's gotten over what happened three and a half years ago a lot more quickly than fans (for better or worse).
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Snagging international data service usually involves either special agreements or steep roaming costs. Not Uros and its new Goodspeed hotspot. The pocketable, 21Mbps HSPA+ router carries a staggering 10 SIM cards and simply uses a local SIM for whichever destination country you visit. The brute force strategy helps Uros offer a relatively low flat rate for 1GB of data per day, no matter where you are on the coverage map: while the Goodspeed itself costs €273 ($352), Uros asks just €5.90 ($8) a day for occasional visits and €9.90 ($13) a month for frequent fliers. It's a very sizable bargain for the jetset, even with a current scope limited to Finland, Germany, Italy, Switzerland and the UK. A number of "important" countries are due before Christmas, which could make Uros' hotspot a go-to choice for those who just can't stay settled in one place.
[Thanks, Antti]Filed under: Wireless, Networking
Uros' Goodspeed hotspot packs 10 SIM cards, says roaming is for chumps originally appeared on Engadget on Sat, 15 Sep 2012 03:05:00 EDT. Please see our terms for use of feeds.
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Upcoming publications and launches
Our much anticipated volume on the Home Rule crisis, Friends in High Places will be published on 20th September. The book will be launched one week later, (27th) in the Christ Church Library of the Royal Belfast Academical Institution, so there are still a few days remaining to avail of the special pre-publication offer price of ?12.99.
Many of you have taken advantage of the pre-publication offer for our forthcoming, Linen Houses of County Antrim and North County Down and our reprint of Linen Houses of the Bann Valley. The pre-publication price of ?21.99 each or ?40.00 for both volumes offers outstanding value for money. These sumptuous, lavishly illustrated tomes will appear at the end of October.
The Foundation is pleased to announce that the Belfast launch of, Robert Dinsmoor's Scotch-Irish Poems will take place on Thursday 20th September at 7.00pm in No Alibis Bookstore, Botanic Avenue. All are welcome.
New titles on offer
We are pleased to augment our list of special offers with a selection of quality titles acquired recently from the Queen's University Institute of Irish Studies. Markedly reduced in price these include:
Doing Irish Local History: Pursuit and Practice
RRP: ?8.50 | Now only ?3.00
Science and Society in Ireland 1800-1950
RRP: ?8.50 | Now only ?3.00
Cultural Traditions in Northern Ireland: Varieties of Scottishness
RRP: ?7.50 | Now only ?3.00
Aithne na nGael: Gaelic Identities
RRP: ?9.50 | Now only ?3.00
Displaying Faith: Orange, Green and Trade Union Banners in N.I.
RRP: ?8.50 | Now only ?3.00
Conspiracy: Ulster Plots and Plotters in 1615
RRP: ?4.50 | Now only ?2.00
Local Government in Nineteenth Century Ireland
RRP: ?4.50 | Now only ?2.00
The e-books are available to order from http://www.booksireland.org.uk/store/ebooks
(With thanks to the UHF)
Chris
Scottish Research Online - 5 weeks online Pharos course, ?45.99, taught by Chris Paton from 26 SEP 2012 - see www.pharostutors.com
New book: It's Perthshire 1866 - there's been a murder... www.thehistorypress.co.uk/products/The-Mount-Stewart-Murder.aspx?(from June 12th 2012)
Source: http://britishgenes.blogspot.com/2012/09/irish-ebooks-offer-from-ulster.html
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Along with life, the universe, and everything else, just about everything has its good sides and its bad sides. The same holds true for debt consolidation loans. You will want to consider some facts before you embark on that financial voyage
Debt Consolidation
Succinctly, a debt consolidation loan is a financial instrument whereby you roll as much of your other debt as you deem prudent into one single account. Thereby you have just one payment a month ? period.
Financial duties become rather strenuous regarding keeping track and regarding cash flow when a bunch of little bills are constantly demanding attention. Credit cards, car loans, or other purchases made on credit, can get annoying. Also, they all tend to have different, and pretty high, interest rates.
Debt consolidation loans are usually larger, normally have a lower interest rate, and take longer to pay off. They are similar to mortgage payments. If you have a lot of little bills, debt consolidation could be a good option for you.
Good Side of Debt Consolidation
Instead of having a loan here and another payment there, and another that you seem to forget, you can wrap all these pesky little guys into one package.
So, instead of two or a dozen creditors, you have one payment, with one lender, at one interest rate, with one maturity date. And a substantial decrease in postage and stationery or time spent on bill-paying websites.
If all those bills are a hassle to cover every month, then stay within your budget with one monthly payment which will probably be much lower than the aggregate of the bills you struggle with each month.
Not So Good Side of Debt Consolidation
The time for the maturity, or the last payment on your consolidation loan, is usually a lot longer than any of your smaller payments. So, unless you watch it, you could end up paying more in the long run.
Be careful. When you approach a consolidation lender, you can be sure that they are going to play on your anxiety. They want you take out the largest possible loan with the highest interest rates they can get. Do not let them prey upon your weaknesses.
Do not sign anything you do not understand. Go with your gut. Always remember, you are the boss. The lender is not doing you a favor, your are doing them a favor by bringing them your business. Ask for clear explanations about terms, fees, interest rates, everything. Make sure that an early payoff does not carry heavy fees.
Keep These Thing In Mind
Debt consolidation companies must make a problem as does any other business. Make sure that the pay off time on your loan is too long a time to accommodate your lifestyle. Perhaps you are at a point where you do not really a debt consolidation loan, you just might need to cut down on your spending.
Since consolidation loans carry a larger balance than your smaller loans, you need to be very careful with any fine print. If you sign up for a high-interest loan spread out over a long time, you could end up paying a lot more than you would have originally. Check the numbers carefully to be sure they add up for you and your financial circumstance.
Do not be hasty. Waiting a day or two to be sure you are doing the right thing will not hurt anybody except maybe a lender who wants you to sign your life away quickly. Especially if you are feeling a little weak because of a poor credit history, take a day to think about it. Lenders like to put the pressure on low credit folks by making them feel like they are doing them a favor. You are the boss, you decide. You are doing them a favor by giving them your business.
This entry was posted on Friday, September 14th, 2012 at 9:38 pm and is filed under Beauty & Style. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.
Source: http://www.ttiioo.com/index.php/archives/345020
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