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Credello: Over 50% of People Believe Debt is a Reason for Divorce

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Credello: Over 50% of People Believe Debt is a Reason for Divorce
NEW YORK - October 20, 2022 - (Newswire.com)

Credello: According to recent studies, more than 50% of people believe debt is a reason for divorce. But just because you or your spouse has student loans or credit card balances doesn't mean you need to break up.

Why debt can cause a divorce in otherwise happy marriages

The reason so many marriages end due to debt is that money becomes a source of contention. One spouse may feel like they're always strapped for cash, while the other feels they're spending too much. This can lead to tension and, ultimately, divorce.

Another reason is if the spouse in debt has been hiding it from the other. This can lead to explosive arguments when the truth comes out, as one spouse may feel embarrassed or ashamed.

Divorcing because of debt may not be the best solution

There are many factors to consider before deciding whether or not to break up because of debt, but understanding the potential consequences is key to making the right decision for yourself and your loved ones.

Divorces are expensive. Lawyer fees, alimony, and division of assets can quickly add up. Unless one spouse has a good financial background, divorce debt may add to the financial stress for both parties.

A divorce can be emotionally devastating. Losing your home, assets, and children can be a huge shock. Money may not be the only thing lost in a divorce, and emotions can run high when it comes to debt.

Divorce can destroy your credit score. This can make it difficult to get a loan in the future and could even impact your job prospects.

You may lose important financial assets, such as retirement savings or inherited property.

What to do if you or your spouse is in debt

Here's how you can navigate these tough financial waters and stay together:

1. Talk openly and honestly about your finances. Don't try to hide or sweep anything under the rug - open communication is key to keeping your relationship strong.

2. Make a plan together. If one of you is struggling financially, it can be hard to keep up with bills and stay on top of loan payments. Work together to create a strategy for managing debt - set realistic goals and agree to meet them as a couple.

3. Seek help from professionals. If things are getting too complicated, don't hesitate to seek help from qualified financial advisors who can help you figure out a debt repayment plan that works for both of you. You may also want to pursue finding a therapist who has experience with debt issues and help you understand how you and your partner got into this situation.

4. Don't be ashamed of your debt. These feelings can cause many to hide their debt from their partner. But openness and honesty will go a long way in repairing your relationship. Your debt is not you or your spouse; it's simply something that's temporarily in your life that needs to be managed.

The bottom line

No matter what type of debt you are in, it is essential that you work with your spouse to eliminate its negative impact on your relationship. Together, you can find a way to overcome debt so that it does not threaten your marriage.


Contact Information:
Carolina d'Arbelles-Valle
[email protected]
+1 305 849 8443


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Original Source: Credello: Over 50% of People Believe Debt is a Reason for Divorce

How Are Student Loans Split When You Get Divorced

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How Are Student Loans Split When You Get Divorced
NEW YORK - October 20, 2022 - (Newswire.com)

Credello: Divorce is a difficult and complicated process, full of uncertainties and unknowns. But one thing that is generally certain is that the financial obligations between spouses will change after a divorce. Unfortunately, student loans and divorce is a popular-yet-messy topic many people facing a legal separation need to consider. So how does it work when you're in debt from student loans while getting a divorce? Here's what you need to know.

A primer on student loan debt

Student loans are a popular way to pay tuition and education expenses for continuing education. Typically, two student loan options are available for most students: government and private.

Some government student loans can be forgiven or have their balances lowered. Most recently, President Biden forgave $10,000-$20,000 in student loan debt for qualified U.S. citizens. Other federal programs can reduce your loan balances in exchange for certain careers, such as teaching.

Both government and private loans cannot be discharged during a bankruptcy filing and will most likely need to be paid off in full. Few companies that offer private student loans will allow debt settlements or reductions in balances due to hardship.

How student loan debt works in a divorce

When you get divorced, all of the debts between you and your spouse become legally separate. This means that each of you can deal with your own debt, including student loans. 

Basically, this means that if one spouse has student loans, the other can't discharge them in a divorce. However, this doesn't mean the other spouse must keep paying off the loans. 

Instead, the responsibility for those debts shifts to the divorcing spouses fairly and equitably. This means that whoever is responsible for the debt at the time of separation is responsible for continuing to pay it off after the divorce.

Student loans are one of the few debts that cannot be discharged in a divorce. This is because student loans are considered an "essential expense" for most students and are often used as a form of credit to help pay for college. In other words, your ex-spouse can't just demand that you pay off your student loan debt to get custody of the children or receive financial support from you during the divorce.

That said, there are some things that your ex-spouse may be able to demand from you during the divorce if they're responsible for paying off your student loan debt. For example, your ex-spouse may be able to get a court order requiring you to pay your student loan debt in full or to have a set portion of alimony paid directly to your student loan creditor. However, this varies by state, so it's essential to consult with a lawyer if you have student loan debt and are considering a divorce.

What if both of us have outstanding student loan debt?

The situation gets a little more complicated if both spouses have outstanding student loan debt. In this case, the court will generally try to divide the debt fairly between the two parties. This may mean that each spouse is responsible for paying off their own loans, or it may mean that the debt is divided between them in some other way.

Again, it's important to consult with a lawyer if you're in this situation, as the laws surrounding student loan debt and divorce can vary from state to state.

The bottom line

In short, while student loan debt can't be discharged in a divorce, each spouse is responsible for continuing to pay it off after the divorce. This means that whoever is responsible for the debt at the time of separation is responsible for continuing to pay it off after the divorce. If both spouses have student loan debt, the court will generally try to divide the debt fairly.


Contact Information:
Keyonda Goosby
Public Relations Specialist
[email protected]
(201) 633-2125

Carolina d'Arbelles-Valle
[email protected]
+1 305 849 8443


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Original Source: How Are Student Loans Split When You Get Divorced

RBMA’s Radiology Patient Action Network Study Shows Nearly Half of Women Not Receiving Recommended Mammograms

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RBMA’s Radiology Patient Action Network Study Shows Nearly Half of Women Not Receiving Recommended Mammograms
RBMA Executive Director Bob Still decries Medicare cuts that would 'damage the health of the American people'


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WASHINGTON - October 20, 2022 - (Newswire.com)

A new study of current or eligible Medicare recipients conducted on behalf of the Radiology Patient Action Network shows that nearly half of women indicate that they have not received a mammogram in the last three years. Conducting and released during Breast Cancer Awareness Month, the study also found that 80 percent of Americans are concerned with proposed cuts to Medicare, and 90 percent of Americans view maintaining Medicare coverage as important.

"As policymakers continue to propose cuts to Medicare, it is clear any new cuts would worsen health inequities and damage the health of the American people," said Bob Still, Executive Director of the RBMA. "At a time when patients are already having difficulty receiving the care they need — like mammography screenings proven to detect and prevent breast cancer — members of Congress should take note of these findings and protect Medicare."

Dr. Kellie Schenk, a board-certified diagnostic radiologist with EPIC Imaging, PC, in Oregon and Imaging for a Cause participant, underscored the severity of the survey's mammography findings. "Breast cancer is the most commonly diagnosed cancer among women and, if not caught and treated early, can be disfiguring and deadly. We recommend average-risk women receive mammography screenings every year beginning at age 40 and high-risk women talk to their doctor about screenings prior to 40 to increase the chances of early detection, which not only saves lives but makes treatment much easier and less disruptive for patients and their families. It is alarming that nearly half of Medicare-aged women haven't received their annual mammogram given the benefits of screening in this age group, and we encourage them to get one scheduled as soon as possible. It is clear that further cuts to Medicare providers and vital screening services would only exacerbate this issue by limiting appointments and compromising quality of care."

In addition to survey respondents' concern for Medicare cuts and lack of mammography screenings, 1 in 4 current patients reported having difficulty scheduling doctors' appointments due to delays or rescheduling. Almost half of all respondents said they would be less likely to support a member of Congress if they advocate for cuts.

The survey was conducted Sept. 25 through Sept. 27, 2022. The national survey sample consists of 1,632 Americans either enrolled in Medicare or Medicare-eligible. Margin of Error is +/-2.5% with a 95% level of confidence. The study was jointly sponsored by the Medical Imaging and Technology Alliance (MITA), Imaging for a Cause, and the Radiology Business Management Association (RBMA) and conducted by the Remington Research Group.

About Imaging for a Cause

Imaging for a Cause Foundation (ICF) is a 501(c)(3) nonprofit foundation that coordinates communication between imaging centers and Federally Qualified Community Health Centers. It has a decade-long history of fostering charitable care for thousands of patients, from Virginia to Minnesota to Washington State.

About MITA

The Medical Imaging & Technology Alliance (MITA), a division of NEMA, is the collective voice of medical imaging equipment manufacturers, innovators, and product developers. It represents companies whose sales comprise more than 90 percent of the global market for advanced medical imaging technology. For more information, visit www.medicalimaging.org. 

About RBMA

The Radiology Business Management Association (RBMA) is an industry-leading organization comprised of more than 2,100 professionals who focus on the business of radiology. RBMA members support diagnostic imaging, interventional radiology and radiation oncology providers in the full spectrum of practice settings. RBMA connects members nationwide to valuable information, education, and practice-related resources and serves as an authoritative industry voice on behalf of shared member interests.


Contact Information:
Will Sweet
RBMA
[email protected]


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Original Source: RBMA's Radiology Patient Action Network Study Shows Nearly Half of Women Not Receiving Recommended Mammograms

6 Ways Influencer Marketing Can Boost Your Business’ Digital Presence

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6 Ways Influencer Marketing Can Boost Your Business’ Digital Presence
NEW YORK - October 20, 2022 - (Newswire.com)

iQuanti: Not all marketing methods are created equal. As a small business owner, you want to ensure that the strategies you're using will give you results — and offer a good return on your investment. That's where influencer marketing comes in. 

You may have heard of influencer marketing before. It's a form of marketing that allows a company to team up with a social media influencer — someone who has a large or niche following on social media. While you may have just assumed that this form of marketing is for the big brands — Nespresso, Coke, and Levi's — the truth is that it's a great marketing strategy for smaller businesses as well. The great news is that you don't need unlimited resources or a huge marketing budget to get started with influencer marketing. Even small businesses can benefit from a carefully crafted influencer marketing campaign. If you'd like to get the word out about your products or services, influencer marketing can help greatly. 

Here's a look at six benefits that influencer marketing can offer small business owners today.

What Are the Benefits of Influencer Marketing?

1. It allows you to reach a niche audience

Most businesses have a specific target audience that they're trying to reach. Influencers have already built up a strong relationship with their followers and by teaming up with them, you'll be able to reach your intended audience far more easily than if you were building your audience from scratch. 

Pro tip: Make sure you get the right influencer to begin with. For the best results, find someone who shares a target audience with you. 

2. It gives you an excellent return on your ad spend

Influencer marketing can be more cost-effective than other marketing strategies such as traditional advertising or pay-per-click (PPC) campaigns. In fact, according to information from the Digital Marketing Institute, businesses earn on average $5.78 for every $1 they spend on influencer marketing campaigns, compared to Google's estimated $2 ROI for every $1 spent on PPC. Returns like that make influencer marketing a tactic to consider, even if you're working with a tight budget.

Pro tip: There's a lot that you can do to keep costs down when running marketing campaigns. One strategy is to try to use a business credit card to pay for your marketing or advertising campaigns. Why use a business credit card vs. a personal one? Often, a carefully chosen business credit card will offer specific rewards and perks that can help a business to reduce costs — and with a business card, introductory bonuses are typically higher as well.

3. It's a great way to increase brand awareness  

Influencer marketing can be a great way to increase brand awareness for your company, something that's especially important if your brand is unknown. By partnering with influencers who already have an engaged following, you can increase the reach of your marketing campaign and boost your company's publicity.

Pro tip: Look to partner with an influencer who has a high engagement rate among their followers. Often, you'll find that influencers with a slightly lower follower count tend to have higher engagement rates.

4. It's an easy way to boost your website traffic  

A successful influencer marketing campaign will almost certainly boost your website's traffic. Just make sure you outline your campaign goals clearly to your influencer, so they know exactly what you'd like to get out of the campaign. 

Pro tip: Get ready for those visitors. Don't just send people to a generic homepage. For best results, make sure you have a dedicated landing page built for each campaign to boost your conversion rates.

5. It allows you to generate leads and increase sales — fast

When influencers share content about your business with their audience, you're likely to see an influx in traffic to your website. If you've chosen your influencer wisely, and they have the same target audience as you, some of that traffic will almost certainly translate into sales.

When influencers endorse your products or services, their followers are more likely to trust what you have to offer. In fact, 49% of consumers depend on influencer recommendations when making a buying decision, according to the Digital Marketing Institute. The more your business can get its message in front of an influencer's audience, the greater the chance of those marketing efforts paying off.

Pro tip: Make sure your landing page is structured in a way to close sales. Each section should be helpful, relevant, engaging, and close with a clear call to action at the end.

6. It will help to build a relationship with your customers  

Last but certainly not least, influencer marketing can help you build stronger relationships with your customers. That's because influencers develop trust with their followers that can extend to your business. When a well-known and trusted influencer mentions how much they like your products or services, their followers will naturally want to learn more.  

Pro tip: A one-time influencer campaign is a great first step, but an ongoing strategy is best. Influencer marketing can lead to long-term relationships between businesses and influencers, resulting in continued exposure for your company. 

The bottom line  

When done right, influencer marketing can help your business to boost its online presence, draw in new traffic, and even close more sales. Most importantly, it can give you access to a wider and often more engaged audience, one that's ready and willing to buy. At the end of the day, it can also help you to save money on marketing costs, all of which translate to greater potential profits for your company — making it one strategy that's worth exploring for your small business.

Source article: https://digitalmarketinginstitute.com/blog/20-influencer-marketing-statistics-that-will-surprise-you


Contact Information:
Keyonda Goosby
Public Relations Specialist
[email protected]
(201) 633-2125

Carolina Darbelles
Senior Public Relations Specialist
[email protected]
(201) 633-2125


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Original Source: 6 Ways Influencer Marketing Can Boost Your Business' Digital Presence

One of America’s Largest Employers of Psychiatrists, Talkiatry, Partners With Cedar to Enhance Patients’ Financial Experience

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One of America’s Largest Employers of Psychiatrists, Talkiatry, Partners With Cedar to Enhance Patients’ Financial Experience
Talkiatry's implementation of Cedar Pay brings a consumer-focused payment experience to a national patient base

NEW YORK - October 20, 2022 - (Newswire.com)

Talkiatry, a leading provider of high-quality, in-network psychiatric care and one of the largest employers of psychiatrists in the United States, announced today that it has partnered with Cedar, an enterprise healthcare engagement platform that improves the end-to-end consumer financial journey, to enhance the online billing experience for its rapidly expanding patient base. 

Launched in 2020, Talkiatry is increasing the accessibility and affordability of high-quality psychiatric care. In network with over 60 major insurance plans, Talkiatry also conducts virtual visits that make it easy for patients to be seen. Talkiatry's practice employs hundreds of psychiatrists from diverse backgrounds across a range of specialties—from child and adolescent to adult to geriatric—and uses proprietary technology to personalize care and improve outcomes in previously unachievable ways. 

"In psychiatry, billing has long been a challenge for patients," said Robert Krayn, Talkiatry's co-founder and CEO. "It's opaque and complex, and 45% of psychiatrists don't even accept insurance. We're changing that. We want our patients to focus on their health, not on trying to decipher confusing statements, and Cedar is an important part of how we use technology to improve the patient experience."

Cedar Pay, Cedar's post-visit patient engagement and payment platform, delivers a more streamlined patient financial journey and eases the consumer burden of paying for healthcare. Through Cedar Pay, Talkiatry will be able to empower their national patient base to better manage their healthcare bills through consumer-friendly statements, optimized outreach and flexible payment options. 

"It is often difficult for Americans to access mental health treatment, due to factors like cost of care and lack of in-network providers," said Florian Otto, Cedar's co-founder and CEO. "At Cedar, our mission is simple: empower people to easily and affordably pursue the care they need, and we are looking forward to partnering with our first psychiatry provider, Talkiatry, as they enhance their digital strategy to meet patients where they are. And, with a simplified payments experience, their psychiatry providers will be able to focus on providing the best quality care." 

Cedar Pay is now live and available for Talkiatry's patients. 

About Talkiatry
Talkiatry is a national mental health practice that provides in-network psychiatry and therapy. They were co-founded by a patient and a triple-board-certified psychiatrist to solve the problems both groups face in accessing and providing the highest quality mental healthcare. 60% of adults in the U.S. with a diagnosable mental illness go untreated every year because care is inaccessible, while 45% of clinicians are out of network with insurers because reimbursement rates are low and paperwork is unduly burdensome. With innovative technology and a human-centered philosophy, Talkiatry provides patients with the care they need—and allows psychiatrists to focus on why they got into medicine. Learn more at www.talkiatry.com and follow us on Instagram, Facebook, and LinkedIn.

About Cedar
Cedar is committed to improving the healthcare billing experience for all. With an innovative platform that connects providers and payers, Cedar empowers healthcare consumers with a personalized journey—all powered by data science and interactive design. For Cedar clients, this leads to increased payments, more efficient operations and greater consumer loyalty. To learn more about why leading U.S. healthcare organizations trust Cedar to manage the end-to-end payments experience from pre-registration to post-visit billing, visit www.cedar.com and join us on LinkedIn, Twitter, Facebook and YouTube.


Contact Information:
Jenny Fiegoli
Cedar
[email protected]

Hirsch Leatherwood
Talkiatry
[email protected]


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Original Source: One of America's Largest Employers of Psychiatrists, Talkiatry, Partners With Cedar to Enhance Patients' Financial Experience

Inspire Medical Systems, Inc. Expands Therapy Access to Thousands of Federal Medical Facilities Through SDVOSB Partner, Lovell Government Services, Inc.

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Inspire Medical Systems, Inc. Expands Therapy Access to Thousands of Federal Medical Facilities Through SDVOSB Partner, Lovell Government Services, Inc.

Inspire and Lovell are proudly partnered
Inspire is now available on major government contract vehicles through Lovell, SDVOSB

PENSACOLA, Fla. - October 20, 2022 - (Newswire.com)

Inspire Medical Systems, Inc. (Inspire) and Lovell® Government Services, Inc. (Lovell) announced today that they have partnered to provide the Inspire therapy system to Federal Healthcare Systems. With this partnership, the Inspire therapy system has been listed on major government contract vehicles, making it easier for government customers to order it for their patients. This addition was made possible through Lovell, a Service-Disabled Veteran-Owned Small Business (SDVOSB), giving customers the dual benefit of being able to purchase while working toward their Federal Set-Aside procurement goals. 

Lovell is a trusted government vendor to agencies such as the Veterans Health Administration (VHA), the Military Health System (MHS), and the Indian Health System (IHS) since 2013. Lovell partners with medical-surgical, dental, and pharmaceutical companies looking to better serve Veteran and military patient populations, increase their federal revenue stream, and win government contracts. 

Inspire is a medical innovation company based in Minneapolis, MN, dedicated to elevating and redefining the standard of care for obstructive sleep apnea. Inspire builds strong relationships with doctors and healthcare professionals for direct support and advocacy for patients as they take on this challenging condition.  

As Inspire's SDVOSB Vendor, Lovell is excited to help bring this product portfolio to federal healthcare providers. According to the Veterans' Administration (VA) Office of Inspector General, about 1.3 million Veterans enrolled in the VHA had a sleep apnea diagnosis in 20191. Veterans are more likely to struggle with sleep apnea than average civilians due to stressors experienced during their time in service. Conditions such as post-traumatic stress disorder and sleep apnea can have cyclical and compounding effects on each other2. Continuous positive airway pressure (CPAP) therapy is the most common approach for sleep apnea therapy; however, patient compliance is a significant obstacle to proper treatment1. 

Inspire offers the first and only FDA-approved obstructive sleep apnea device. Inspire works inside the body with a patient's natural breathing process to treat sleep apnea. Mild stimulation opens the airway during sleep, allowing oxygen to flow naturally; no CPAP machine is required. The patient uses a small handheld remote to turn Inspire on before bed and off when they wake up. The device is implanted during a same-day, outpatient procedure. 

Government customers can now find Inspire on the Defense Logistics Agency's Electronic Catalogue (ECAT), the Department of Veterans Affairs Federal Supply Schedule (FSS), and the Department of Defense's Distribution and Pricing Agreement (DAPA). Listing products on contract vehicles with an SDVOSB contract holder streamlines the acquisition process while helping government agencies meet their SDVOSB procurement goals. The addition of Inspire products to ECAT is significant because it opens a new procurement channel for government customers, especially those working with orders that exceed credit card limits or are time-sensitive.

"Lovell is honored to work with Inspire to assist with government access. This distribution partnership gives VA and DoD physicians yet another way to procure Inspire's technology for their patients," said Chris Lovell, Major (Ret.) USMC and Chief Executive Officer of Lovell Government Services. "Many Veterans and servicemembers with obstructive sleep apnea feel they must choose between risky, disruptive sleep or an uncomfortable CPAP mask. Inspire provides another option for certain individuals with OSA that are unable to tolerate CPAP."

"As we strive to make the Inspire therapy system available to all Veterans, active military members and their families, we are excited about our partnership with Lovell Government Services," said Tim Herbert, President and CEO of Inspire. "Lovell is working hard to ensure that Inspire is available through the right federal contracting platforms as well as providing excellent service to our VA and Military customers."

About Inspire Medical Systems, Inc. 

Inspire is a medical technology company focused on the development and commercialization of innovative, minimally invasive solutions for patients with obstructive sleep apnea. Inspire's proprietary Inspire therapy is the first and only FDA-approved neurostimulation technology that provides a safe and effective treatment for moderate to severe obstructive sleep apnea. 

About Lovell Government Services

Lovell Government Services was established by Chris Lovell, Major USMC Retired, in 2013. Lovell's mission is to serve Veterans and Military Communities by introducing cutting-edge medical products to the Federal Market and providing a seamless customer service experience to government customers. Lovell partners with Medical and Pharmaceutical Suppliers to fast-track and distribute the latest in life-saving and essential technologies to the Federal Government. Learn more at www.lovellgov.com

References:

1 Opportunities Missed to Contain Spending on Sleep Apnea Devices and Improve Veterans' Outcomes. (2020, January 14). VA OIG 19-00021-41. https://www.va.gov/oig/pubs/VAOIG-19-00021-41.pdf

2 El-Solh, A. A., Ayyar, L., Akinnusi, M., Relia, S., & Akinnusi, O. (2010, November). Positive Airway Pressure Adherence in Veterans with Posttraumatic Stress Disorder. Sleep, 33(11), 1495-1500. https://doi.org/10.1093/sleep/33.11.1495


Contact Information:
Mia McCann
Marketing Director
[email protected]
850-684-1867


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Original Source: Inspire Medical Systems, Inc. Expands Therapy Access to Thousands of Federal Medical Facilities Through SDVOSB Partner, Lovell Government Services, Inc.

Scitech and the Plough Center Announce Manufacturing Agreement

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Scitech and the Plough Center Announce Manufacturing Agreement
The Contract Manufacturing Agreement Will Provide the Clinical Supply of ST-001, SciTech's Lead Drug Candidate for Cancer

GROSSE POINTE FARMS, Mich. - October 20, 2022 - (Newswire.com)

SciTech Development is pleased to announce that it has signed a $600K manufacturing agreement with The Plough Center for Sterile Drug Delivery Systems. The Plough Center will deliver the clinical supply of SciTech's lead cancer drug candidate, ST-001 nanoFenretinide. Delivery of the drug is expected in Q4 2022, which will be immediately followed by SciTech's first human clinical trial using ST-001 for Lymphoma. (ClinicalTrials.gov Identifier: NCT04234048). 

Earle Holsapple, President of SciTech Development, said, "SciTech chose The Plough Center for their expertise in drug delivery manufacturing in addition to their intimate knowledge of combining and processing nanoparticles. We are confident that SciTech has selected the best possible partner and that this relationship will continue as we move forward, not only with ST-001, along with other drugs in our pipeline. This is a major milestone for SciTech as we rapidly approach our human clinical trials." 

"We are excited to serve as the contract manufacturer for ST-001. We are extremely eager to work with SciTech in its mission to cure several cancer types," said Dr. Harry Kochat, Director of Operations and Business Development of The Plough Center. "ST-001 nanoFenretinide combines the SciTech Delivery Platform (SDP) and the promising drug fenretinide as a broadly applicable cancer therapeutic. The Plough Center will utilize our comprehensive NanoSpace formulation platform to provide ST-001 for clinical trials. Our in-house NanoSpace platform can produce nanosuspensions, nanoemulsions, and liposomal encapsulation products." The Plough Center specializes in developing and manufacturing complex, early-stage investigational drugs. 

About SciTech Development 

SciTech Development LLC is a clinical-stage pharmaceutical company that has developed a patented, nanoparticle drug delivery platform (SDP) that maximizes the bioavailability of water-insoluble therapeutics. SciTech's lead drug candidate ST-001 nanoFenretinide combines SDP and the drug fenretinide as a broadly applicable anticancer drug. ST-001 has an FDA Investigational New Drug (IND) approval, is Orphan Drug designated, and is Phase 1 clinical trial ready. More information about SciTech can be found at www.SciTechSDP.com. 

About The Plough Center 

The mission of The Plough Center for Sterile Drug Delivery Solutions is to help patients by expediting efforts to bring innovative, life-saving medicines to market. The Plough Center is a US-FDA registered cGMP sterile drug manufacturing facility owned by the University of Tennessee Health Science Center in Memphis. Plough assists universities, scientific communities, and the pharmaceutical industry in the manufacture and delivery of therapeutic advances that will improve patient standard of care. More information about The Plough Center can be found at https://www.uthsc.edu/plough-center/.


Contact Information:
Harry Kochat, PhD. 
Director of Operations & Business Development 
[email protected]

David Schaffer
Director Investor Relations
[email protected]


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Original Source: Scitech and the Plough Center Announce Manufacturing Agreement

Reproductive Technology Startup Inti Labs Sets Sights on Global Infertility Trend

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Reproductive Technology Startup Inti Labs Sets Sights on Global Infertility Trend
The company offers innovative and accessible diagnostic solutions that improve IVF success rates

PALO ALTO, Calif. - October 20, 2022 - (Newswire.com)

Inti Labs, Inc. (Inti Labs) today announces its official launch and ambitious long-term vision to overcome infertility. The company is focused on developing a range of first-in-class diagnostic tests for the in vitro fertilization (IVF) market. Their tests are aimed at reducing the number of IVF treatment cycles a patient must go through to become pregnant, easing the financial burden on families and increasing the successful turnover at fertility clinics. 

The global fertility rate has steadily declined over the years, as more women delay motherhood. Those who choose to have children later often must rely on assisted reproductive technology (ART) such as IVF. While the technology has seen significant improvement in recent years, most women must still go through multiple IVF treatment cycles to obtain a viable pregnancy. In the U.S., a single IVF treatment cycle can cost over $20,000 and is rarely covered by insurance. 

"IVF is both financially and emotionally burdensome," said Inti Labs CEO Dr. Eric Pok Yang, "but new technologies in reproductive medicine can help more women have successful pregnancies with fewer IVF cycles. Inti Labs is focused on making those technologies accessible to hopeful parents across the globe." 

Ambitious to lead the IVF diagnostics market, Inti Labs has launched its award-winning endometrial status test, MIRA®. Already in use at more than 70 institutions worldwide, with ongoing expansion across Europe, the U.S. and Southeast Asia, MIRA® uses unique miRNA biomarkers to more accurately identify a woman's window of implantation (WOI), the optimal time for embryo transfer. About 30% of women suffering from infertility have a displaced WOI, which, if not factored in during an IVF treatment cycle, can lead to an unsuccessful attempt. 

Among those joining Inti Labs' team is Dr. Barry Behr, fulfilling the role of Chief Technology Officer (CTO). Dr. Behr is a Stanford University Professor Emeritus, where he served as Director of the IVF Laboratory and Professor of Obstetrics and Gynecology. A leading expert in the IVF field, his embryo research has directly led to improved implantation and pregnancy rates. 

"With our cutting-edge technology for improved WOI assessment and gamete selection," said Dr. Behr, "we foresee a not-too-distant future in which a perfect embryo can be reliably achieved in the first IVF cycle. That means one sperm, one egg, and one implantation to deliver a healthy baby." 

Considering MIRA®'s promising early success and other tests nearing the prototype phase, Inti Labs believes IVF will become increasingly reliable and affordable to women everywhere, as we work towards a future where infertility is no longer an insurmountable obstacle. 

---

Inti Labs will be attending the 2022 ASRM Scientific Congress & Expo Oct 24-26 in Anaheim, CA, and invites you to visit their booth (#1433). 


Contact Information:
Jesse Prent
Marketing Director
[email protected]
(438) 405-1050

Tiffany Wang
Global Business Development Director
[email protected]


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Original Source: Reproductive Technology Startup Inti Labs Sets Sights on Global Infertility Trend

How to Make Monthly Bill Payments Simpler

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How to Make Monthly Bill Payments Simpler
NEW YORK - October 20, 2022 - (Newswire.com)

iQuanti: Chances are you have a number of bills to take care of every month: credit cards, car loans, and others. Fortunately, there are ways you can simplify the monthly bill-paying process with debt consolidation and alleviate a great deal of stress in the process. Here are some strategies you might want to consider.

Consolidate your debt 

When you consolidate your debt, you roll multiple debts into a single loan or credit card, ideally with a lower interest rate. If your credit score has improved or you don't want to deal with multiple debts with different payment dates, debt consolidation can make your life a lot easier when you pay your bills every month.

Spread out large expenses

Your largest expenses are likely your rent or mortgage and car payment. You may want to spread out their cost across a few paychecks. This can give you some leeway for daily expenses like groceries. 

Automate your bills

Most lenders, credit card issuers, and service providers will allow you to automate your payments. When you automate your bills, you allow a company to take money directly from your bank account on a certain day each month. As long as you always have enough money in your account, you'll be able to avoid late fees, penalties, and interest with virtually no effort.

Change your due dates

It can be a challenge to stay on track with your bills when they're on different dates throughout the month. That's why you may want to call companies and ask them to change your due date to align with when you get paid.

Pay bills once a year if possible

Sometimes, you can choose to pay a bill upfront, rather than on an ongoing basis. By doing so, you may lock in a discount and reduce the number of bills you have to think about every month. Situations that offer this type of bill setup include some car insurance companies, property tax collectors, gym memberships, and subscription services. If you decide to go this route, it's a good idea to do so when you get a bonus at work or a tax refund. 

Bottom line

If you create a bill-paying system and stick to it, you'll feel less overwhelmed and more confident about your finances each month. You'll also save money and even improve your credit score so that you can qualify for attractive rates and terms in the future. 


Contact Information:
Keyonda Goosby
Public Relations Specialist
[email protected]
(201) 633-2125

Carolina Darbelles
Senior Public Relations Specialist
[email protected]
(201) 633-2125


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Original Source: How to Make Monthly Bill Payments Simpler

Types of Direct Deposit Loans and How They Work

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NT Editor
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Types of Direct Deposit Loans and How They Work
NEW YORK - October 20, 2022 - (Newswire.com)

iQuanti: Paychecks aren't the only way to get a direct deposit into your bank or online checking account. Lenders often use electronic payments for sending money to approved borrowers. It's fast, secure, and doesn't require a physical check or a visit to the bank. If you're looking for same-day direct deposit loans, here are several you can choose from:

1. Direct deposit installment loans

Installment loans come with a fixed interest rate and a set monthly payment amount that's easy to budget. These payments are called "installments." Installment loans are offered by traditional banks, credit unions, and online lenders. Once the applicant is approved, many of them transfer the funds via direct deposit.

Depending on which lender you work with, approval for an installment loan can happen instantly or take several days. Once that approval happens, the direct deposit option means that you may get money in your bank account the same day you apply or within 24 hours. The loan amount you can receive depends on several factors, including payment history and credit score.  

2. Direct deposit lines of credit

A line of credit (LOC) is a flexible loan that lets you borrow as much or as little as needed, up to your set credit limit. Unlike with installment loans, the applicant is not required to take it all in one lump sum. With lines of credit, the interest rate is variable, based on when you receive the money. Many lenders utilize direct deposit for faster transfers. 

A line of credit is reusable. Once approved, the borrower can go back to the well when they need additional funds. This makes LOCs a great option for projects where the exact amount required may fluctuate. A good example of this is a home improvement project, where materials and labor costs may vary from the original estimate. 

3. Cash advances with same-day approval

Cash advances are short-term, small dollar loans that can give you a few hundred dollars to tide you over until payday. These loans often have direct deposit built into their system. Cash advance lenders often prefer it because it requires the borrower to provide them account and routing numbers for their bank account. With a cash advance, the funds are deposited in after approval and the repayment is debited out, making it a purely electronic process. 

4. Title loans for fast cash

Owning a vehicle outright gives an individual the leverage to seek out a title loan for fast cash. With these loans, you'll provide your vehicle as collateral. Collateral could be a car, boat, RV, or motorcycle. Title lenders will assess the value of the vehicle, lend you a percentage of that value, and ask to hold the title until repayment is made. You may receive the funds as a direct deposit, and can keep driving your vehicle as you repay the loan. 

Which loan is right for your needs?

The right direct deposit loan for you may depend on your unique circumstances and how much money you need. If you need a larger sum of money all at once, you may want to consider an installment loan or title loan. Borrowers that have an unpredictable expense or want flexible access to funds should consider a line of credit. And if you just need a few hundred dollars to tide you over until your next paycheck, a cash advance may be right for you. Consider your options and do some research online to find a loan and start covering expenses today.


Contact Information:
Keyonda Goosby
Public Relations Specialist
[email protected]
(201) 633-2125

Carolina Darbelles
Senior Public Relations Specialist
[email protected]
(201) 633-2125


Press Release Service by Newswire.com

Original Source: Types of Direct Deposit Loans and How They Work
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