This Company is Looking for Clinical Trial Participants (And Will Pay up to $12,000)

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This Company is Looking for Clinical Trial Participants (And Will Pay up to $12,000)
Taking part in a clinical research study is a great way to help find treatments for common illnesses…  …and, we’re not going to lie, it’s also a great way to potentially earn some extra money.  Wait! Before your imagination runs wild, know that clinical trials really aren’t that scary. You just have to find legit opportunities that are worth your time. We suggest starting with a contract research organization called Parexel, which has been around since 1982. It conducts clinical trials in Baltimore, Los Angeles and London — and it’s willing to pay you up to $12,000 per study. Sooo… Tell Me More About These Trials These research organizations spend years testing new medications and devices in hopes of treating common illnesses. After all that research, they move to the next step — these clinical trials — so the Food and Drug Administration will give its stamp of approval. It’s the last stop before something is offered to the public. And that’s where you can help. You don’t necessarily have to have an illness, either; Parexel is looking for healthy participants, as well. The first phases of Parexel studies typically focus on healthy volunteers, and these studies tend to pay more.   Here’s how to get started: Go to Parexel’s website, and scroll through its available studies in Baltimore, Los Angeles and London. Take note of each study’s dates, requirements and compensation. If you find a match, apply for the study online by filling out some basic information. If you don’t find a match? Join Parexel’s mailing list, and it’ll email you when new trials become available. Are There Any Major Requirements? Hop over to Parexel’s list of available studies. It outlines any specific requirements upfront so you won’t waste your time. For example, one study, available at the time of writing this article, simply needed healthy volunteers who don’t smoke. Others will be more specific — like those with arthritis or non-childbearing women. As a general rule of thumb, Parexel is looking for participants who: Are ages 18 to 55. Live anywhere in the U.S. and can travel to Baltimore, Los Angeles and London. Generally have a body mass index (BMI) of 32 or less. (You can calculate your BMI on Parexel’s site.) For healthy volunteers, Parexel is looking for people in overall good health, who are not diagnosed with any major medical conditions and don’t consistently require prescription medications.  Some trials will require you to stay on site for up to 20 nights (those pay more), and others simply require you to stop in for flexible tests and screenings. Generally, you’ll get paid per visit — with Parexel, the average is $300 to $350. So if you’re looking for some extra money and want to help find treatments to common diseases, sign up for a clinical research study. Carson Kohler (carson@thepennyhoarder.com) is a staff writer at The Penny Hoarder. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Life Update: Pregnancy (week 15) + our big foster care news!

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Life Update: Pregnancy (week 15) + our big foster care news!
Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. 15 weeks and I’m not going to be able to camouflage this bump much longer. 😉 HIGHLIGHTS I had another doctor’s appointment. It was super routine, but my doctor was so encouraging about how healthy I am, how healthy the baby is, and how well I am doing. That was such a blessing! In 5 weeks, I go back for my big 20-week anatomy scan! NOTABLE I had one really rough day this past week but other than that I had a few hours of most days where I felt so good that I sort of forgot I was pregnant! I started sitting on the exercise ball this past week because I can tell that these hips are starting to feel the usual aches and pains of pregnancy. I discovered the power of sitting a few hours per day on an exercise ball and how much relief it provided for my tailbone/hip pain, so I’m trying to be proactive and start this early this time — especially since my hips are 11 years older than they were last time I was pregnant! 😉 CRAVINGS This week, it was all about meat and carbs. Seriously, I craved roast, chicken, and noodles. And I’m still totally into cheese and cottage cheese! WEIGHT GAIN: 7 pounds Our Big Foster Care News! After months and months of classes, homework, meetings, paperwork and more paperwork, doctor’s visits, TB testing, home visits, interviews, and hours and hours spent getting our home all set up and childproofed, we found out this past week that we our home is officially licensed as a foster home in TN!! We have no idea what the future holds for us when it comes to foster care, but we are excited to continue on in this step of faith and obedience. We’ve been praying for the children who will be placed in our home and trusting God that He’s got a beautiful plan that we can’t really dream or imagine right now. Obviously, there’s a lot I won’t be able to share about this journey in order to protect other family’s and kids’ privacy, but I will definitely share what I can while protecting the kids/families first and foremost (as that is one of our number one priorities as a foster home: to provide a safe place for kids and to pave the way for reunification). We know this is going to be stretching and we have no idea what to expect, but we are looking forward to seeing what God has for us in this and how He’s going to use it to grow our family and change our lives. In Case You Missed It: Veteran’s Day Freebies 20 Gifts for Tweens Under $30 Building Strong Father-Daughter Relationships [...]
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FINRA Proposes to Ease Restrictions on Initial Equity Public Offerings and New Issues

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FINRA Proposes to Ease Restrictions on Initial Equity Public Offerings and New Issues
The Financial Industry Regulatory Authority (FINRA) is proposing to amend its Rule 5130 and Rule 5131 to ease certain restrictions on initial equity public offerings and new issue allocations and distributions. FINRA Rules 5130 and 5131 are designed to protect the integrity of the public offering process by, among other things, generally prohibiting FINRA members from selling a new issue to an account in which a “restricted person” has a beneficial interest in order to ensure that industry insiders, including members and their associated persons, do not take advantage of their insider position to purchase new issues for their own benefit at the expense of public customers. FINRA has proposed amending the Rules to remove certain impediments to capital formation deemed unnecessary to protect investors to address the impact of the rules on family offices, sovereign entities, foreign employee retirement benefits plans, foreign investment companies and executive officers and directors of charitable organizations. If adopted, the proposal would amend Rule 5130 to exempt foreign employee retirement benefits plans, exclude sovereign entities that own broker-dealers from the categories of restricted persons, and broaden the scope of “family investment vehicle” under the rule. In addition, the proposal would amend Rules 5130 and 5131 to exclude from the definition of “new issue” offerings that are conducted pursuant to Regulation S under the Securities Act of 1933 and other offerings outside of the United States and its territories. The proposal also would amend Rule 5131 to exclude unaffiliated charitable organizations from the definition of “covered non-public company.” The proposal also would make certain additional minor amendments to Rules 5130 and 5131 to make the rules more consistent. FINRA’s proposal is available here.   [...]
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If Your Credit Score Is Under 700, Make These 3 Moves This Week

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If Your Credit Score Is Under 700, Make These 3 Moves This Week
You work hard to be a responsible credit user.  You pay your bills on time; you try to use your credit card only when you have to; and you have a few different credit accounts, all in good standing. You even know what a credit utilization ratio is and why it matters. That’s some next-level credit card management! But no matter what you do, your credit score never budges over 700.  And you are so, so frustrated by the whole dang thing. We don’t blame you. It’s hard to feel like you’re doing everything you’re supposed to, only to have an algorithm spit out a seemingly inexplicable three-digit number that brands you as “lesser than” in the eyes of the world’s financial institutions — especially when that three-digit number controls so much of your life. But don’t give up! These three moves might be the kickstart you need to get your credit score moving in the right direction — and best of all, you can do them right this week. 1. Write a “Goodwill Letter” to Your Creditors If your credit history is generally pretty good, save for a couple of missteps, then a well-executed goodwill letter may be one way to get those slip-ups removed from your report.  You’ll want to cover the following bases when writing your goodwill letter: Explain why and how long you have been a loyal customer of the creditor. Take responsibility for the mistakes that led to the blemishes on your credit history. Describe the steps you are taking to ensure they don’t happen again. Appeal to your audience’s sense of empathy. Show that you want forgiveness but also that you are determined to do better going forward. Show them you deserve this! Keep your letter concise, clear and to the point. Don’t forget to include important information, like your account number and the date and amount of the missed payment you want removed from your credit history. Once you’ve written your goodwill letter, address it using the information on the creditor’s website, cross your fingers for good luck, and drop it in the mailbox.   2. Check Your Credit Report for Errors Credit reporting agencies generally do a pretty thorough job of collecting your credit history, but that doesn’t mean they are infallible. In fact, one out of five credit reports has an error, according to a study by the Federal Trade Commission. And those errors could mean the difference between a credit score in the 600s and one in the 700s. Jamie Cattanach saw this firsthand as a victim of identity theft. She pulled her credit report and saw her score had plummeted to just below 600 after someone opened an AT&T account using her information. She got to work disputing the errors, and after writing just one letter, she was on the road to rebuilding her credit. Within a few years, her credit score was well over 700. To keep a closer eye on your credit, get your credit score and a “credit report card” for free from Credit Sesame. It breaks down exactly what’s on your credit report in layman’s terms, how it affects your score and how to address it. Because it simplifies everything, you should be able to spot any errors. For instance, if you find an “unpaid” credit card that you know you paid, or a bill in collections you know never existed, you can dispute the incorrect information and raise your credit score. The proof is in the numbers: 60% of Credit Sesame members see an increase in their credit score; 50% see at least a 10-point increase, and 20% see at least a 50-point increase after 180 days.* 3. Consolidate Your Debt With a Better Loan So now you’ve appealed to the better angels of your creditor’s nature, and you’ve gone over your credit report with a fine-tooth comb and a magnifying glass in search of errors you can dispute. Now what? Your next step is to take your high-interest debt and consolidate it into a single loan with a lower interest rate. One payment per month is way easier to keep track of than three or four, right? That means fewer chances to be late on a payment, which means fewer opportunities for your credit score to take a hit. And best of all: The lower interest rate means you’ll be spending less money on your debt in the long run. Through Upgrade, you can borrow between $1,000 and $50,000, at interest rates of 7.99% to 35.89%, depending on your credit history. What if you’ve been turned down for a loan? Wouldn’t it be helpful to have access to advice on how to improve your credit to be approved next time? And wouldn’t it be nice to have free credit monitoring thrown into the deal? Those are some of the benefits of going with Upgrade, an online lending platform.  Upgrade will throw in free credit monitoring, alerts and educational features. If your loan application through Upgrade is denied, these credit tools will still guide you to improve your credit to help you get approved in the future. Now you’ve got three tactics you can use to get your credit score right where you want it. Good luck — you’ve got this! This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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