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Paternity Testing Options


In America you can now walk into a drugstore and pick up a DNA paternity test. Identigene is currently is the only company that sells these tests in stores and claims that their availability is good news for customers.  The pharmacy tests seem to be becoming more popular than online. It seems that people prefer to go to a pharmacy and pay cash so they don’t have to use their credit card online.

The DNA-testing technology is expensive.  These tests currently cost about $150 for the basic ones and a huge $400 for the version that will stand up in court.

It usually takes three to five business days to receive the results.

One question that people always ask is how accurate the paternity test results are. we’ll, No test is ever 100% accurate.

There are two results involved in a paternity test, the first test is called the exclusion test.

This test excludes a man from being the father of a child. This means that in the paternity test the DNA of the father did not sufficiently match the DNA of the child. The results of this test is as close as you can get to being 100% accurate.

Inclusive paternity test results refer to the likelihood that someone is the child’s father. These test results should prove at least 99%, who the child’s father is.

In conclusion, although paternity tests cant be 100% accurate all of the time, they are the most accurate way to determine who the father of a child is. Accuracy is obtained by testing a larger number of loci and good DNA testing labs usually test around 16.

Average American 11K in Credit Card Debt


According to a recent study by CardWeb.com,The average household in America with one or more credit cards has nearly $11,000 in credit-card debt.  A recent study shows that a percentage of Americans admitted of having at least 1 or more credit cards in their wallets and would use them for their everyday expenses.

As the economy continues to say fragile experts are advising people not to use credit cards to pay for things they consume quickly, such as meals and vacations, especially if they can’t afford to pay off the monthly bill in full within the interest free period.   Unaffordable credit card debt is resulting in many people looking for a solution to their debt problems.

If you’ve lost a job or your monthly payments are unmanageable, you should call your credit card company before you miss the first payment. Your lender might be more willing to work with you. Ask if there is any possibility that you can get your interest rate lowered or try to work out a payment schedule for your debt.

If you are trying to erase credit card debt under the federal stimulus package, you should understand the pros and cons of the plan. On the plus side you will be able to reduce your overall credit debt and wipe the slate clean with your creditors. credit card debt relief

Many consumers were able to erase credit card debt this way, when before, they were struggling endlessly with their monthly payments.

If you want to consolidate your credit card debt, you should first look at all of your debt and work out a plan.  Once you know what you owe, you can get accurate advice on your situation. If you use a credit consolidation company or a credit card debt relief service, don’t be afraid to tell them you are looking around for the best deal.

If you’re 90 days or more delinquent on your credit card balance and there’s little hope of paying off your card, your lender may offer to settle your balance for a lower amount or freeze the interest on your balance.  Make sure you call your lender and ask about this option. It’s unlikely that most of your credit card debt will be wiped away but you may be able to come to a reasonable arrangement.

You should bare in mind that if you do settle some of your debt, it will probably be reported to the credit bureaus as a settlement which could hurt your credit score.