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Pawnshop companies make money by giving short-term loans to customers who offer jewelry, electronics, tools, musical instruments and other merchandise as collateral or by purchasing merchandise outright from customers at a steep discount. Loan terms are typically one to three months in length, with customers expected to cough up monthly storage and loan-servicing fees of 10% to 20% a month. If a customer fails to make a monthly payment, the pawnshop, following a grace period, can sell the item. (See the five big questions about retirement...
...didn't even know there was such a thing as cougar cruises, don't worry, because the first was last month, a three-day voyage on the Carnival Elation between San Diego and Ensenada, Mexico. More are planned this year for this cohort of older women who prefer younger men ("cubs") - the members of a feminist movement that's now being celebrated on network sitcoms Cougartown and Accidentally on Purpose. (See the top 10 buzzwords...
...current Miss Cougar America, 42-year-old single mother and Silicon Valley business consultant Gloria Navarro, who was on last month's cruise, agrees. "I'm not really worried that we're being discriminated against, because this is Carnival's marketing direction," says Navarro. "But unfortunately this could be taken the wrong way by people who don't quite grasp the fact that the day of the gold digger is over and women like me have finally come into their own." As for speculation that cougars somehow didn't fit the cruise line's family focus, she adds...
...government needs to do more to rein in risky behavior on Wall Street. Among the proposals that have been promoted by President Barack Obama and Congress are a systemic regulator that would be on guard for markets and participants that were creating unseen risks in the financial system. Last month, the House of Representatives passed a bill that would create a new agency to protect consumers and regulate products like mortgages and credit cards. Even the Independent Community Bankers Association, which has fought new regulations of the financial sector, says the government needs to do more to rein...
...Harvard researchers applied an innovative Bayesian modeling method to gene sequences from both untreated HIV patients and those treated with drugs. Having ran a comprehensive computer search for over a month, the researchers looked for patterns of mutation that were more prevalent among the treated patients—the more common the mutation, the greater the probability of it being responsible for the drug resistance, according to Jun Liu, a professor of statistics at the Harvard School of Public Health and one of the authors of the paper...