The 7 Financially Savvy Traits of Debt-Free People

The 7 Financially Savvy Traits of Debt-Free People

Some consumers are better with their money than others, which explains why people can be on a high income and have plenty of debt, while those who earn less can have none or very little. There are strategies you can use to keep your life unencumbered by the anxiety of excessive debt.

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The stress of debt can take its toll on your health and well-being. A report from the BBC details how many young people are burdened with concerns over money, and how some should seek help.

Patience

Financially savvy people figure out if they can afford something before they buy it. Those who can’t have the sense to walk away until they can.

Confidence

Debt-free people are happy to drive an older car or use last year’s smartphone so they can put that extra cash into paying off the debts they have rather than acquire new ones.

Committed

The debt-free are driven by the goal of getting out of debt, and they will draw up a strategy in order to do so. If they have a lot of debt, an IVA may be of assistance in getting it under control.

Priorities

Responsible people who want to get out of debt take care of their bills and household expenses first. If there is anything left over, they attack their debt with it, knowing that holidays will still be there to enjoy when the debt has gone.

Limit Credit Cards

Debt is not useful, and neither is running up big bills on your credit cards. It all has to be paid back, with a hefty amount of interest. If you feel overwhelmed by debt, then consult experts in IVA advice.

More Than Stuff

The debt-free person is not consumed by materialism. Nice things can be fun, but there are other important elements in life to be savoured. Having a huge house but being constantly in fear of not making the payments is probably not worth the years the worry will take off your life.

Greater Good

The debt-free are prepared to make short-term sacrifices to achieve the long-term goal of paying off their debt. An economy drive can include limiting weekends away and fancy toiletries, but budget constraints like this are only temporary and can be left behind when the debt is just a memory.

Ziopharm struggles with an ongoing data problem

Ziopharm struggles with an ongoing data problem

The pharmaceutical industry is considered recession-resistant. Whatever the state of the economy, people still get sick.

The biotechnology sector has recently suffered a slump on the stock market. Notably, Ziopharm has seen its stock fall by 37 per cent this year, more than the general trend.

Ziopharm struggles with an ongoing data problem

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Ziopharm specialises in developing cancer treatments by using technology to target cells and control the immune system. The depth of pharmaceutical consulting used in clinical trials intends to result in new marketable treatments.

Clinical studies by the company concentrate on the immune response to cancer. The most advanced trial focuses on developing treatments for breast, and glioblastoma, an aggressive brain cancer.

Services such as those offered by http://www.gandlscientific.com/ can determine the success of clinical studies. Access to a global pool of talent strengthens the company profile.

So What’s Gone Wrong for Ziopharm?

Shares plummeted following news that a patient had died during experimental gene therapy. Whilst earlier data suggested that patients had responded positively to the treatment, by the end of July, three patients had died.

Two deaths were considered unrelated to treatment. However, the third suffered an intracranial haemorrhage during studies.

Ziopharm stresses that no conclusions have as yet been reached and that data is still being analysed. However, share values plummeted by 17 per cent following the news.

Advice for Investors

Investors have been advised to run for the hills. In fact, some may take legal action against the company.

According to Goldberg Law, Ziopharm violated elements of the federal security law.

To add to its troubles, disappointing data from pre-clinical and clinical trials hints that treatments underway are unlikely to ever be marketed.

Also, all seven pipeline products in Ziopharm are solely dependent upon the technology provided by Intrexon. This is a company also suffering from a huge drop in investor confidence.

A report alleging fraud by the company was immediately refuted and threatened with legal action. Counter-allegations suggested that hedge funders were attempting to de-stabilise the firm.

Intrexon sells a story to investors based upon its synthetic biology processes. Yet the market is jittery, and mindful that not a single product has resulted from Intrexon technology.

Ultimately, the data simply doesn’t stack up. Disappointing trial results and a dependent relationship with Intrexon, mean that shares in Ziopharm are unlikely to recover in the immediate future.

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