Take Action to Improve Your Financial Situation in BONHAM TEXAS
By Katie Bryan, America Saves Communications Director.
America Saves Week, February 24
March 1, 2014, is a time to review your finances, decide what you want to
save for, and set up a system that will allow you to save automatically. Thats
why the America Saves Week theme is Set
a Goal. Make a Plan. Save Automatically. Did you know that only half of
Americans report having good savings habits? Even if you are already saving,
its good to take a look at your goals and decide if you can save more or start
a new savings goal. Join thousands of others who are pledging to pay down
debt, save money, and take financial action during America Saves Week.
Not sure what to
save for or what to save for next? Here are the most popular saving goals
of those who have pledged to save through America Saves:
· Save for Emergencies - Only 37 percent
of low-to-moderate income households have a savings or money market account at
a bank or credit union and nearly a quarter of savers who have pledged to save
have chosen emergency savings as their first wealth-building goal. Learn
· Save for Education - Saving for
education is the second most popular goal savers select when they pledge to
save with America Saves. There are many different things to factor in when
saving and paying for college. Learn
· Pay Down Debt - Getting out of debt is the #3 goal
Savers select when they pledge to save. That does not come as a surprise since
a 2012 survey found that 45% of families
with annual incomes under $50,000 rely on credit cards to pay for basic needs
such as rent, utilities, insurance and food. Learn
· Save for a Home - For decades, home ownership has
been the main path to wealth for most Americans. Today, home equity - the
market value of a home minus the balance on any home loans - represents more
than four-fifths of the typical family’s wealth. Learn
· Save for Retirement - Retirement
savings is a top priority for many Savers. Saving for retirement now will
ensure that you have enough money to maintain a comfortable standard of living
when you stop or reduce the amount of hours you work. Learn
Not sure how to
save for your goals? Here are some saving strategies to help:
· Save Automatically - The easiest and
most effective way to save is automatically. This is how millions of Americans
save at their bank or credit union, and how millions of employees save through
401(k) and other retirement programs at work. Learn more.
· Save at Tax Time - Do you spend weeks eagerly
anticipating your tax refund? When the money finally comes in, is it gone
tomorrow? Many people view tax refunds as unplanned bonuses. They see the money
as a gift from the government, to use for splurges or treats. But a tax refund
provides the opportunity to improve your financial situation. Learn
the America Saves Pledge (or re-pledge) today to set your savings goal and
make a plan to save. When you take the pledge you can also choose to receive
text message tips and reminders to help you save for your goal. And dont
forget to follow America Saves on Facebook
America Saves Week is coordinated
by America Saves and the American Savings
Education Council. Started in 2007, the Week is an annual opportunity for
organizations to promote good savings behavior and a chance for inpiduals to
assess their own saving status
BONHAM TEXAS tspan:3m
A generic drug is an identical copy of another factory named
1. What are generic drugs?
A generic drug is an identical copy of another factory named. The same dosage, safety, strength, desired effect, how to use and final results, unless the trademark.
2. Are the equally safe generic drugs to leading factory name?
Yes. The FDA requires that all drugs are safe and effective. Being that the generic use the same active ingredients and work in the body in the same way as the original, also have the same risks and benefits.
3. Are the equally powerful to the original generic drugs?
Yes. The FDA requires that generic drugs are of the same quality, strength, purity and stability as their counterparts with factory name.
4. generic drugs need more time to work in the body?
No. Generic drugs work in the same way and for the same period of time the drugs trade name.
5. Why are generic drugs less expensive?
One of the main reasons is because the manufacturers of generic drugs did not have to invest money to the developers of the original drug spent on the new product. New drugs are developed and protected by a patent. The patent protects the investment-including research, development, distribution and advertising-giving the company the sole right to sell the drug while it remains in effect. When approaching the expiration of the patent, manufacturers pueded submit an application to the FDA to sell generic versions of the drug. Since these manufacturers do not incur these costs desarrolllo the product as the first, can sell the generic version at substantial discounts. There is also more competition and less advertising, which helps keep the price down. Today, almost half of all drug prescriptions are replaced with generic versions.
6. Are drugs with name brand, produced in more modern facilities than generic?
No. Both facilities must meet manufacturing requirements required by the FDA. The agency does not allow drug manufacturing facilities of inferior quality. The FDA annually conducts about 3,500 inspections to ensure that regulations are met. The signatures of generic drugs work comparable to those of drugs called factory facilities. Indeed, the producers of original drugs produce approximately about 50 percent of generic drugs; frequently make copies of their own brand and other firms that are sold without the original name.
7. If the name drugs and generic factory have the same active ingredients, why they look different?
In the United States the law does not allow a generic drug look exactly the same to another name or trademark. However, a generic drug must duplicate the active ingredient of the original. The colors, flavors and some inactive ingredients may be different.
8. Is it necessary that every drug has a generic equivalent?
No. When drugs called factory were introduced, most of which were protected by a patent for 17 years.This provided protection to the originator that covered the initial costs (including research and marketing expenses) to develop the new drug. However, when the patent expires, other companies can introduce genetic competing versions, but only after being put to thorough testing by the manufacturer and FDA approved.
9. What is the best source of information about generic drugs?
Contact your doctor, pharmacist, or insurance company for more information about its generic drugs. You can also visit the FDA on the Internet: Understanding Generic Drugs.
Click the red escape button above to immediately leave this site if your abuser may see you reading it.
It can be hard to know if you´re being abused. You may think that your husband is allowed to make you have sex. That´s not true. Forced sex is rape, no matter who does it. You may think that cruel or threatening words are not abuse. They are. And sometimes emotional abuse is a sign that a person will become physically violent.
Below is a list of possible signs of abuse. Some of these are illegal. All of them are wrong. You may be abused if your partner:
If you think someone is abusing you, get help. Abuse can have serious physical and emotional effects. No one has the right to hurt you.
Sometimes a relationship might not be abusive, but it might have some serious problems that make it unhealthy. If you think you might be in an unhealthy relationship, you should be able to talk to your partner about your concerns. If you feel like you can´t talk to your partner, try talking to a trusted friend, family member, or counselor. Consider calling a confidential hotline to get the support you need and to explore next steps. If you´re afraid to end the relationship, call a hotline for help.