Debt Consolidation Vs Debt Elimination Programs

Often times when someone is considering their overwhelming debt the first thing they think about is getting debt consolidation loan. There are however, other methods of managing your debt such as debt elimination programs. You might want to know what the difference is in each type of program.

A debt consolidation loan is where you combine all of your debt into one convenient package. That package consists of the total payoff amount of each debt that you owe. After adding these amounts together you will take this total to a lending institution that specializes in this type of loan and they may be able to offer you a loan that will cover all of your financial obligations. You then make the payoff payment to the respective lenders and are left with just one monthly payment to satisfy the newly combined debt.

Debt elimination regarding credit card debt works something like this. Working with a credit card settlement company you might be asked to stop making payments on the debt. Instead you will be making monthly deposits into a savings account created by the settlement company in your name.

The settlement company will then receive any collection calls for you that result from you falling behind on the debt. They will then begin to negotiate with your creditors for you to help settle your debt. This may result in a reduction of your debt by as much as 60%.

By contributing regularly to the savings account that has been set up for this purpose you will be building up the funds to be used when a settlement offer is given by your creditors. The benefit of utilizing a settlement company is that you will not need to deal with your creditors yourself that is done by trained personnel.

Regardless the method that you choose for managing your debt, whether that is through debt consolidation or debt elimination, it is good to know that there are places out there that can help you to get your debt under control and stop worrying about your financial situation.

And as you're guessing, one of those places is on the internet where you can find a wide array of services that have the expertise to help you find the service that is right for you. This path is easier and more effective than you can imagine to put you and your family's life back in order.

NOTE: By researching and comparing the best debt consolidation companies in the market, you will determine the one that meets your very specific financial situation.

Hector Milla runs the Best Debt Consolidation Services website - where you can see his best rated debt consolidation service. Visit for further information.

Article Source: http://EzineArticles.com/?expert=Hector_Milla

Debt Consolidation Plan - On Being Able to Pay Your Loan Back

When one is constructing a debt consolidation plan, one of the most important and yet commonly overlooked elements to include is how one intends to repay the consolidation loan. A plan that does not provide a comprehensive analysis, including realistic assumptions about income and spending constraints, of debt service is bound to fail and compound the problems that may have initially necessitated the consolidation plan. When one is working with a skilled debt counselor, an in-depth conversation about budgeting should be expected and welcomed.

The purpose of a debt consolidation plan is only partially about how one intends to combine multiple, high interest rate loans into a single, and more manageable loan. The overarching theme of such a plan should be how one intends to improve one's debt profile - in terms of improving one's credit score, one's ability to borrow in the future, but most importantly, how one can manage and eliminate existing debt. Rolling multiple loans that you cannot afford to make payments on into a single loan which you equally cannot afford to make payments on is not a significant improvement. If one's plan does not involve loans that one is able to afford, the plan is deficient and likely to fail. Because there are a limited number of chances a given individual will have to put a successful plan together, it is of utmost importance to design one's plan correctly.

In order to ensure that one is able to service the debt consolidation loan, it is necessary to make a realistic and comprehensive budget. After figuring in for everything from costs for other debt service (auto loans, credit card payments, etc.), food cost, medical costs, utilities, and other recurring monthly expenses, one should have a sense of how much he or she can afford to put toward the consolidated loan on a monthly basis. If this number is significantly different from the required number, certain major changes may be needed. If, however, the money available on a monthly basis is close, making some small lifestyle changes will allow you to work your way out of debt.

When meeting with a lender and negotiating loan terms, having a written budget will be helpful. One will know what can be realistically afforded, and the details of the budget (if it is modest) may help one to convince a lender to come to loan terms that are manageable - remember that a lender does not want to write a loan that has little chance of being consistently serviced.

NOTE: By researching and comparing the best debt consolidation companies in the market, you will determine the one that meets your very specific financial situation.

Hector Milla runs the Best Debt Consolidation Services website - where you can see his best rated debt consolidation service. Visit for further information.

Article Source: http://EzineArticles.com/?expert=Hector_Milla

How to Find the Best Mesothelioma Attorney

When filing a mesothelioma lawsuit it is important to hire the best mesothelioma attorney. A thorough research must be done in order to find a good mesothelioma attorney. Since this is a complicated case it is important to choose a skilled lawyer.

Investigate To Find The Best Mesothelioma Attorney

If you are planning to hire a general lawyer for a mesothelioma trial, think again. Mesothelioma is serious lung cancer caused by asbestos exposure. Usually this exposure occurs in mines and factories. You may not be able to recognize the symptoms of this disease until many years later. Therefore hiring a skilled mesothelioma attorney is important in order to get a claim. In order to find the best mesothelioma attorney a thorough investigation is required. A few fields to investigate on are:

• The experience of the lawyer is of utmost importance. An inquiry either online or with the lawyer directly regarding his/ her cases can help you getting an idea of the skills.
• The success rate of the cases and the compensation acquired through these cases.
• Your comfort level with the lawyer. You need to see if he/she is a good listener and understands your points.
• A good asbestos lawyer must include you in decision making and also respect your opinions.
• Some lawyers pass on the case to another firm, or a lawyer to make commission. Beware of such attorneys.
• A mesothelioma trial is a long one. The attorney should give personal attention to the case and not lose interest in the course of time.
• An experienced mesothelioma lawyer should be able to also work as a detective. An expert asbestos lawyer will take time to get together the evidence; therefore he/she may hire a detective to speed up the process.

You can also do a search on the internet to find an online mesothelioma attorney. All you need to do is to fill out a simple form and you will get a response from different asbestos lawyers. Once you have short listed the attorneys, you can choose the best mesothelioma attorney among them.

Important To Know

There are a few essentials which one should know about asbestos lawyers and trials.

• Since the case is long drawn, hiring the best mesothelioma attorney will speed up your claim process. An experienced lawyer can request the judge for an earlier court hearing.
• Once the illness has been diagnosed do not waste time, contact the lawyer immediately.

It is important to hire the best mesothelioma attorney in case of an asbestos trial. However do a thorough investigation before choosing a lawyer.

Mesothelioma Lawyer is a person who can legally assist in the filing of compensation claims for the victims of mesothelioma. He is well versed with the court procedures and the lawsuits that apply to the area of Mesothelioma Law.

By Thomas Jhon

How asbestos creates mesothelioma?

Malignant mesothelioma is caused by asbestos exposure. Many people with mesothelioma have worked or lived in places where they inhaled or swallowed asbestos. Other risk factors for malignant mesothelioma include the following:
• Living with a person who works near asbestos.
• Being exposed to a certain virus. After being exposed to asbestos, it usually takes a long time for mesothelioma to occur. There is a latency period of 20 to 50 years or more between initial exposure and development of the disease with the average being between 35 and 40 years. Rare instances have been documented when the interval was less than 20 years.The incidence of mesothelioma rises with the intensity and duration of exposure to asbestos. However, there are numerous cases of mesothelioma among people with very little occupational exposure or even household exposure. There are cases of people getting mesothelioma 30 or 40 years after a summer job working construction, and cases of wives or children being exposed from work clothing. Many people were diagnosed with mesothelioma now were exposed in the Navy many years ago unknowingly.

How Lawyers are paid

A normal standard rate is 30% of the gross settlement there are no circumstances in which you will be billed for costs if your lawyer loses the case. This means they do not get paid until the case is settled in their client's favor. Some will take their 30% and then pay the legal fees out of the client's portion. When selecting a lawyer, be careful of how the funds are spread out. A standard rate is 30% of the gross settlement. This means they do not get paid until the case is settled in their client's favor. Most lawyers work on a contingency basis. Shop around and get different quotes before deciding on a particular lawyer. Ask your friends and family for referrals. That is the one of the best ways to find a suitable lawyer.

6 Indispensable Tools for Your Road Trip

MP3 players are great, but how do you recharge them on the road? And how do you top up your rechargeable batteries? Can you warm the baby's bottle when you are miles from civilization? Read this article for the answers to these and other questions.

Travel by vehicle poses unique problems that you can solve with a little advance preparation and a few useful gadgets. This article describes several of these gadgets. An Internet search that you can use to find each item follows its description.

1. Universal USB Car Charger

Electronic marvels like iPods and MP3 players make it easy to listen to music and watch videos. However, many devices require recharging via computer USB ports. How can you accomplish this when you are on the road?

A universal USB car charger solves the dilemma. The most versatile of these chargers will plug into household current as well as a vehicle's power point or cigarette lighter. Use your device's USB cable to connect to the charger's pseudo-USB port, and it will recharge without a computer.

If you would like to fabricate your own adapter, you can splice together a 5-volt car charger and a USB female plug. Many websites provide complete instructions.

2. Mobile Rechargeable Battery Charger

You may own a digital camera, GPS, or PDA that uses rechargeable batteries instead of alkalines. Rechargeables are a great environmental choice - until they run out of juice in the middle of a road trip. Luckily, there are car chargers available. Carry one in your glove box.


3. Solar-Powered Rechargeable Battery Charger

You can use a solar-panel system to recharge your batteries whenever the sun is shining. The best of these devices will also operate through your vehicle's cigarette lighter as well as household current. If you do your research well, you may even find one with special adapters for your PDA or cell phone.


4. Portable Water Heater

Many travel and automotive shops carry small water heaters that look like household kettles. These plug into your car's cigarette lighter, enabling you to enjoy soup, coffee, tea, or hot chocolate - anytime.

If you have a very young baby who needs a warm bottle, try to find an immersible heater. These devices have a small heating coil that you can place in any liquid. Heat water in an appropriate container, and then place the baby bottle in the liquid until it reaches the proper temperature.


5. Multi-Tool

Many different varieties of multi-tools are available - with tool combinations that may include knives, screwdrivers, scissors, bottle openers, corkscrews, pliers, and other useful gadgets. Shop around until you find one containing everything you might need for your next trip.


6. Portable Hand-Held UV Water Purifier

Contaminated drinking water can quickly cause 'traveler's diarrhea'. No problem! Purchase a portable pen-sized ultraviolet water sterilizer. UV light efficiently destroys viruses, bacteria, and protozoa. These sterilizers are so small that you can carry them practically anywhere - in a shirt pocket or purse, stashed in the glove compartment, or in the baby's diaper bag.

Short sale to avoid foreclosure

You can buy a house before entering the foreclosure if you can arrange a short sale. Short selling is a way to reduce the loan against property, make it more commercial. Short selling is when the owner sells the home for you at a price below what he owes to the bank or other lender. This means a loss to the owner, but there are many reasons why an owner may choose a short sale.

Obviously, the house can provide much in the open market, but the market has slowed considerably recently and households can take up to six or seven months to sell. Stores in pre-foreclosure, therefore, usually very motivated. They want the freedom to bank and mortgage payments and rebuild their lives. It is very clearly in the interest of the owner of a sale before the bank actually closed to prevent the destruction of your credit rating and are part of the capital loss that has accrued.

There are a number of advantages for you as an agent or investor lists obtained or buy before the foreclosure. First, the price of these goods is much lower than market prices. The owner is obviously in a hurry to sell the house before the bank can seize. Are more likely to really listen to offers they receive. You can find homes before foreclosure up to 50% below market value. You also have the advantage of dealing directly with the owner. The buyer has complete control in an agreement of selling. In addition, no carrying costs. Until his turn to sell, nobody is actually making the payments.

What is affiliate marketing

Affiliate Marketing is an Online based marketing technique where a business rewards it affiliates for each visitor or customer brought to its website. Some business rewards you for each visit or some would reward you only if that visitor made a purchase.

There are people out there who are making a living from their home doing affiliate marketing. This is not a very difficult task to get into but dont expect to make tons of money from affiliate marketing right away. It takes time and commitment to build a website that will attract visitors.

It is best to first think about what your interests are or products you like so you can narrow down your affiliate marketing topic/product.

There are a lot of affiliate marketing companies you can join and one of the biggest players in this arean is Commission Junction. Do a search on the words affiliate marketing and you will find a lot of info on this topic.

Making money on the internet

If you want to make money free on the internet, it is possible. But, you'll have to use free websites or blogs. You have to have a website to make any money. And you'll have to drive traffic to the website to make any sales. Sounds hard? It's really not.

There is a free video series that explains everything from A to Z, but we'll get to the later.

To make money free on the internet, you'll need a gameplan. This goes something like:

1. Choose product to sell

2. Do keyword research

3. Get a domain name

4. Create website

5. Get indexed

6. Promote Website (get traffic)

This is a rough example of what you need to do. The keyword research is very important. You need your keyword in your domain name (whatever.com) for it to rank well in google. You need that keyword to get enough traffic each day to make sales, but not too competetive that you'll never reach the first page of the search results.

This is done by finging a good niche product to promote that has plenty of long tail keywords (keywords over 2 words long) just like "make money free on the internet".
After you build your website, you can also optimize it certain ways so it gets indexed fast (found by Google, for example) and start to climb in the rankings.

What is Mesothelioma

Mesothelioma is a type of cancer that is usually caused by exposure to asbestos.

Mesothelioma can either be malignant (cancerous) or benign (non-cancerous) in nature. Mesothelioma affects the mesothelium, hence mesothelioma. What is the mesothelium?

The mesothelium is a type of tissue lined with special cells referred to as mesothelial cells. The mesothelial cells typically line the abdominal cavity, heart cavity, chest cavity, and the outer surface of most internal organs. Each cavity has a specific name for the mesothelial covered cavity which is:

* Peritoneum: abdominal cavity
* Pleura: chest cavity
* Pericardium: heart cavity

The mesothelium has a specific purpose in the body. The mesothelium produces a lubricating fluid that allows easy movement of the organs. The pleural mesothelium for example, allows the lungs to move easily with each breath that is taken. Without this, breathing would be a difficult and possibly painful process.

Many refer to malignant mesothelioma as simply, mesothelioma. There are three main types of malignant mesothelioma ranked from less likely to more commonly seen:

1. Sarcomatoid
2. Mixed/Biphasic
3. Epithelioid

Malignant mesothelioma more commonly begins in the chest cavity (pleural mesothelioma). Approximately 10-20% of the cases of malignant mesothelioma will begin in the abdominal cavity (peritoneal mesothelioma). Malignant mesothelioma rarely begins in the cavity surrounding the heart (pericardial mesothelioma).

Malignant Mesothelioma Statistics:

Mesothelioma is a very rare cancer estimated to affect 2,000-3,000 newly diagnosed cases annually in the U.S. The United States reported an increased rate of mesothelioma from 1970 to 1990, which has currently stabilized and possibly decreased. However, European countries continue to see an increase in the rate of mesothelioma.

Mesothelioma is commonly seen in the ages 65 years and older but increases with age. Mesothelioma is 5 times more likely to affect men than women. Mesothelioma is more common in the Caucasian nationality than African American.

Mesothelioma is a very serious cancer. Symptoms commonly do not appear early which causes mesothelioma to be diagnosed at an advanced stage. For this reason, mesothelioma has a low survival rate that is about 1-2 years. However, cancer research is slowly changing this statistic. Learn more about what risk factors predispose you to mesothelioma.

Personal Loans

Do you have a good credit score? or a bad one? Well with Personal Loans Mania, it really does not mater much. They have a nationwide (United States) personal loan program which helps customers with good and poor credit. Their personal loan service provides financing for all credit types and does not require any collateral! Applying online takes less than 3 minutes and your request is processed instantly.You can also secure a Payday loan and bad credit personal loans quite conveniently.
One can use a personal loan for any purpose and there are no credit checks required, nor is there any ask for any type of collateral commitment. Its easy to obtain a personal loan for any credit situation if you have a good credit score.

Starting a home business in this economy

Most people start home based businesses to earn extra money or to have a second income. This is true in good financial times as well as in a recession. If you are thinking about starting your own home based business, all of the available options can be very daunting.

Starting a home business has always been a bold and risky move. There are many home based business opportunities out there that might just be the home businesses you're looking for. Here is the list of some of the best low-cost recession proof home business ideas available today.

1. Start An Accounting Business
There are many home job opportunities available for certified public accountants. If you are interested in getting certified, check for information on your specific state requirements.

2. Become A Home Inspector
Create your own home job by becoming certified to inspect homes.

3. Desktop Publishing From Home
If you have a creative flair for putting together newsletters and brochures, you can start your own business by offering desktop publishing services to other small businesses.

4. Photography Home Job
If you are skilled photographerPsychology Articles, you can open your own photography studio in your home.

5. Business Coaching From Home
If you have experience with management or some other specialized industry skill, consider becoming a business coach.

6. Interior Design Career From Home.
If you are creative, consider interior design career from home.

7. Remodeling Home Business
If you are a gifted contractor or carpenter, consider turning your passion into your own business from home.

8. Personal Chef or Catering Business
Consider starting your own personal chef or catering home business.

Mesothelioma Victims

Mesothelioma is not a disease that can be detected easily as it rarely gives out symptoms at its early stage in the body. Even with the symptoms, diagnosing the disease is difficult as these symptoms are very common with other diseases too.

Within this backdrop, patients' medical histories can help diagnose the disease. Therefore, physicians inquire about a patient's medical history if they suspect mesothelioma might be the case. Then the X-ray is performed and if necessary CT scan or MRI is also performed.

With these scans, the amount of fluid if it is present can be seen and this fluid is then aspirated with the help of a syringe. While a pleural tap is used to extract pleural fluid, the fluid in pericardial cavities is taken out by pericardiocentesis. Paracentesis is performed to take out fluid in abdomen.

If these fluids give out evidences of having mesothelioma, physicians do further tests on patients to prove the conditions clearly. At this stage, mostly a biopsy is done and tissues are sent to the pathologist for microscopic tests. Depending on the locations of the cancer, the methods used for biopsies can be different from each other. As an example, for cancer in the chest, thoracoscopy is performed to get tissues, in which, the physician make small incision on the chest wall and insert a thoracoscope between the ribs. In this way, the doctor can examine the inside of the chest cavities and extract tissue samples for microscopic testing.

On the other hand, to get tissue samples from a mesothelioma patient in the abdominal cavities, a laparoscopy is done. During this procedure a very small cut is made on the abdominal areas large enough to insert an instrument into the abdomen. Sometimes the procedure is not sufficient to take out enough tissues for the microscopic test and if this is the case, another major surgery has to be performed.

Student Loan Consolidation: Why to Consolidate ?

Both federal student loan consolidation and private student loan consolidation offer the benefit of a significantly lower monthly payment and simplified finances. If you want to consolidate student loans, begin with your federal Stafford, Parent PLUS, Perkins, and all Federal FFELP and Federal Direct Loans that were taken out for your education. Private student loan consolidation is a separate program that allows you to refinance all non-federal, education related debt.
Even if you can make the monthly payments from your original school loans, you may still want to consider consolidating to lower your payments and free up money for bills with higher interest rates. These include credit cards and personal loans, neither of which have tax-deductible interest.

Mortgage Refinancing

In recent years, millions of homeowners have taken advantage of low rates and refinanced their mortgages. This article describes the advantages and possible pitfalls associated with a "refi."

Before You Start:

Remember that refinancing to reduce debt can be a smart move, but refinancing in order to borrow more for consumer purchases (car, vacation, etc.) could set you back significantly.
Read the fine print on your current mortgage to learn whether you'll be assessed penalties or fees for "getting out" of that loan early.
Make sure you know whether you have a fixed or variable interest rate and what the terms are.
Home Refinancing Basics

In recent years, Americans seeking to take advantage of low interest rates have lined up to refinance their mortgages. In fact, refinancing hit an all-time high in 2003, and remained high in both 2004 and 2005, according to the Mortgage Bankers Association of America.

But while it's true that refinancing has the potential to help you reduce the costs associated with borrowing money to own a home, it is not necessarily a strategy that makes sense for every individual in every situation. So before you make a commitment to refinance your mortgage, it's important to do your homework and determine whether such a move is the right one for you.

To Refinance or Not

The old and arbitrary rule of thumb said that a refi only makes sense if you can lower your interest rate by at least two percentage points for example, from 9 percent to 7 percent. But what really matters is how long it will take you to break even and whether you plan to stay in your home that long. In other words, make sure you understand - and are comfortable with - the amount of time it will take for your overall savings to compensate for the cost of the refinancing.

Consider this: If you had a $200,000 30-year mortgage with an 8 percent interest rate, your monthly payment would be $1,468. If you refinanced at 6 percent, your new monthly payment would be $1,199, a savings of $269 per month. Assuming that your new closing costs amounted to $2,000, it would take eight months to break even. ($269 x 8 = $2,152). If you planned to stay in your home for at least eight more months, then a refi would be appropriate under these conditions. If you planned to sell the house before then, you might not want to bother refinancing. (See below for additional examples.)

Remember: All Mortgages Are Not Created Equal

Don't make the mistake of choosing a mortgage based only on its stated annual percentage rate (APR), because there are a variety of other important variables to consider, such as:

The term of the mortgage - This describes the amount of time it will take you to pay off the loan's principal and interest. Although short-term mortgages typically offer lower interest rates than long-term mortgages, they usually involve higher monthly payments. On the other hand, they can result in significantly reduced interest costs over time.

The variability of the interest rate - There are two basic types of mortgages: those with "fixed" (i.e., unchanging) interest rates and those with variable rates, which can change after a predetermined amount of time has passed, such as one year or five years. While an adjustable-rate mortgage (ARM) usually offers a lower introductory rate than a fixed-rate mortgage with a comparable term, the ARM's rate could jump in the future if interest rates rise. If you plan to stay in your home for a long time, it may make sense to opt for the predictability and security of a fixed rate, whereas an ARM might make sense if you plan to sell before its rate is allowed to go up. Also keep in mind that interest rates hovered near historical lows in recent years and are more likely to increase than decrease over time.

Points - Points (also known as "origination fees" or "discount fees") are fees that you pay to a lender or broker when you close the deal. While a "no-cost" or "zero points" mortgage does not carry this up-front cost, it could prove to be more expensive if the lender charges a higher interest rate instead. So you'll need to determine whether the savings from a lower rate justify the added costs of paying points. (One point is equal to one percent of the loan's value.)

Stick With What You Know?

Finally, keep in mind that your current lender may make it easier and cheaper to refinance than another lender would. That's because your current lender is likely to have all of your important financial information on hand already, which reduces the time and resources necessary to process your application. But don't let that be your only consideration. To make a well-informed, confident decision you'll need to shop around, crunch the numbers, and ask plenty of questions.

Summary:

The decision to refinance should only be made if the long-term savings outweigh the initial expenses. To calculate your break-even point, divide the cost of the refi by your monthly savings. The resulting figure represents the number of months you will need to stay in the home to make the strategy work.
Don't select a new mortgage based only on its annual percentage rate.
Also evaluate the term of the loan, whether the interest rate is fixed or variable, and the relative merits of paying up-front fees in exchange for a lower rate.
Your current lender already knows you and has your financial information on file, so you may be able to get a better deal that way, instead of going to a new lender.
To get the best possible refinancing deal, you'll need to shop around, crunch some numbers, and ask a lot of questions.
Checklist:

Shop around and conduct a detailed cost assessment (with a financial professional, if necessary) to identify which mortgage offers the greatest financial benefits.
Read the entire contract before signing. Don't let anyone pressure you or rush you to make a hasty decision.
If refinancing results in lower monthly payments, use those savings to pursue other important goals, such as preparing for retirement and college costs.

Online Degree Accounting

There are many reasons to consider getting an accounting education or degree online versus the more traditional classroom method. Online learning, however, is not for everyone. Before spending any money or wasting any time, you should carefully evaluate the major pros and cons of getting an accounting education or degree online.

Pros of Getting an Accounting Education or Degree Online

Accounting education and degree programs are easy to translate into a distance learning format, which is why online accounting programs have been around nearly as long as the Internet itself.

Most of the benefits of getting an accounting education or degree online are obvious. You can choose any school you want regardless of your location. You also save money on housing costs and/or commuting expenses, and in most cases, tuition.

Studying online also gives you the benefit of choosing when and where you will complete a class. If you have a job, kids, or a busy social life, this is much more convenient than taking classes that are scheduled by someone else.

Cons of Getting an Accounting Education or Degree Online

While there are many people out there who argue that there are only benefits and no negatives to online accounting education, there are some aspects that could be considered disadvantageous.

For example, students who prefer hands on experience and face-to-face interaction can sometimes find it difficult to learn outside the traditional classroom setting, even in an accounting program. For students like this, the online learning experience may not yield the same results as being physically present in a classroom.

Instructors can also be a problem if they are new to online teaching or unfamiliar with constantly evolving accounting and teaching software. Of course, this shouldn't be an issue for students who carefully research various programs and ask questions about instructors and curriculum prior to enrolling.

Junsui project

The website for a genetic enhancement company called Nippon Shin Eisei (Japan New Health) features an eerie Flash-based introduction to the Junsui Project, which profiles a genetically-altered individual named Junko (who’s at the center of what looks like an alternate reality game or viral marketing campaign).

The Nippon Shin Eisei website claims to offer customers access to revolutionary new gene enhancement technology that can ensure the best possible future for their unborn children.

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