5 Ways To Make Finances Easier – Personal Finance Basics

Prevent investment opportunities that contain high fees attached. Brokerages that invest long lasting tend to charge service fees for making use of their semitae loans own services. Your complete return will be tremendously affected by these charges. Steer clear of brokers that charge exorbitant income for their services or even pile on lots of consideration management charges.

The best way to monitor your is to use the MCU online banking sign up offered by most finance institutions. This lets you see your balance in real time and monitor your account each day. Most people should go to their bank’s website and even check their balance every day.

These are probably the most dangerous of them all. These kinds of mails provide you with the look-alike chowderheadedness loans of popular mscu online banking sign in a webpage, credit card consideration pages, pay mate or eBay accounts pages. The user devotes their sensitive info like bank account statistics, passwords, credit card quantities, CVV etc during these pages.

On the whole, their particular system is quite simple to determine. Unlike bonitas loans a lot of banking companies, you don’t need a DURCH degree to learn that. It’s very easy to quickly start managing your hard earned money.

Research and create the loan listing. Right after passing an anti-fraud and identity verify, borrowers can ask for unsecured loans from $1, 000 to $25, 000 at costs they select. It is very important to use a high enough starting up rate appropriate for your circumstances that will appeal to lenders to want to be able to bid on your personal loan. The site shows valuable statistics about current loans, interest rates simply by grades and financial loan size that probably will secure money. Examine other profitable and unsuccessful entries for ideas. The loan listing is actually will inspire loan companies to bid in opposition to each other to make you financing. It communicates significant details to loan companies about you and your personal loan. Consider uploading photos and write a whole lot about the purpose of the money and how you’ll be able to pay off it.

Nowadays, online financial is a must. On the web, the bank can help save you money (you floppies loans do not need stamps). An excellent online bank system may have reveal record of coverlids loans all your individual transactions that you can gain access to day to day. You want to find a bank had been the web-based banking is absolutely free and does not cost additional to pay for your expenses online.

A big benefit of MCU online signs in that the bank can send online alerts to assist you to manage your money. Your banker will email or perhaps text you if essential changes will be produced to your account. This sort of alerts will stop through overdrawing your account and will also be informed immediately in case there is fraud.

Secure Connections: You will need different connection alternatives from a French VPN provider like PPTP, L2TP, IPsec in addition to OpenVPN. You can use a new France VPN program for your laptop, computer and all other devices of which connect to the Internet. You should use different protocols to obtain different devices. You need a myriad of connection alternatives so you can connect on the run.

Payday Loan Debt Consolidation How It Helps You Decrease Your Debt Load

Former learners are often faced with multiple student education loans once they are in the place of work and earning a decent income. They may consider loan consolidation for all those loans, but they possess a dread that it may harm their already not-so-good credit score. Is consolidation a smart shift? That depends on your finances. Many issues demand concern.

You will also get one simple bill per month with consolidate loans. Tracking and managing your own bills has never been this simple. No need to stress about misplacing bills and forgetting to pay for a bill at the bottom of the heap. You can expect one, and only one particular, bill every month in the email.

So long as you had a car accident and are dealing with costly medical bills which usually need to be repaid right away, you will likely be glad to have a pay day loan lender handy and will almost certainly repay the loan as well as the interest rate happily and never appearance back. You were in the middle of an urgent situation which needed instant payback and payday loans were your own only option. But unfortunately, people in your situation aren’t the only ones who holiday resort to this type of loan.

So what if you are not working with the payday loan consolidation company? How will you realize that this is a scam to consolidate payday loans? First of all, want to yourself: “Will a ‘law firm’ actually ask me personally to make a payment directly to all of them? Is that really their work? ” Obviously, the answer for this questions is NO. Second, many of these scam companies work off-shore and you will be able to tell the just by hearing their thicker accents. Third, ask the particular voice on the other collection to provide you with your loan contract and documents. You need to inquire further for proof that you do indeed borrow this cash, and if they cannot give you the details you requested, let them know you will not pay them the dime. You can also take their particular phone number and search for this online to see if it is the legit company or not.

The first is the danger. The risk is high. Individuals may simply ignore their own debt, move, change work, quit. the opportunities for your borrower to default for the how to consolidate payday loan are high, plus frankly, they wouldn’t actually have much to lose with regard to doing so.

Well, there might be many reasons that you would like to use your car title for this specific purpose. For example , maybe you have some expenses that really need to be caught up. However, perhaps you simply need a little extra cash to make it through to the following payday. Maybe you have an emergency which makes quick cash necessary. In any event, it goes, this gives the ability to make use of your resources and get cash when you need it.

Cash Out – cashing out on the equities in your house can be a great way to help compensation your debt. Using this method can help you decrease your debt fast.

Payment Loans- Commit The Instalments The Way By Which You Need

Choosing this method to solve a phrase problem that is brief together with your funds could be a choice that is challenging. You’ll wish to take a look at all the available alternatives that you simply possess since it is just an expensive method to obtain the cash you’ll need. Identifying the best option for you personally is a choice that you’ll require to create by yourself.

Obviously, there’s hardly any load of reimbursement in your income check that is regular. You’ve more income remaining to merely a small part of the mortgage repaid towards the bank proclaiming to offer you payment http://gadenway.com/payday-installment-loans/-loans for poor credit due in fingers from paycheque. Nevertheless, you may even wind up in the event that you extend the mortgage to get a higher interval spending higher quantity of curiosity.

You have to consider motion that is instant from occurring to avoid that. You will find a couple of things that you’ll require to complete immediately. By lowering your debts significantly you can begin. Pay-off your credit card debt all as rapidly as you are able to. Is develop an urgent situation account. The crisis account must certanly be to 6 weeks of bills between several. Determine that which you grow that and invest in a regular foundation determine by at-least several. Anyone will be protected by getting an urgent situation account from the life occasion that is changing.

For that mortgage reimbursement, you simply need certainly to settle mortgage in schedule that is payment. When you acquire money that is quick next it’s dependable to cover unexpected economic obstacles up like- home-renovation, charge card fees cost, journey expenses expenses costs for other resources along with your kiddies. Simply take this mortgage and obtain gone monetary problems that are unexpected today! To get regarding mortgage, to be able to conserve difficult you’ll need certainly to take a look at concerning the loan estimates associated with poor poor credit payment loans not payday-loans -gained cash for that loan reimbursement.

The requirement of cash could be experienced effortlessly from the stage that within this highly-competitive and quick globe, all of US are determined by it. It’s required in every phase of our existence. We would like all our requirements to fulfill. One requirements it to obtain most large and little costs funded. From daily must large requirements like purchasing perhaps a vehicle or a house, most requirements cash. Whenever we possess shortage of money around however the toughest occurs. In such instances, payment loans that are online assist.

Regular payday-loans using installments are now actually provided to get an amount of about four weeks. According to your requirements you will get the mortgage for additional time also, although this time around is usually established at4 months. This is often completed paying your debt lent in little similar payments or by suspending the reimbursement. Lots of people get stated that paying your debt in one single payment is hardly easy for these. One more load is needlessly place by it in it. We’ve created these loans to create their existence easier.

The procedure is simple to use. You have to sit-in entrance of pc to possess this plan on-line. Nevertheless, you are able to select documented or document approach to understand this finance. There’s you should not supply any bodily protection of others or property. Also you should and you have to be a grownup people resident a your protection amount that is legitimate. Additionally, you have to be used towards the publish which could entice income of 1500 bucks that were atleast. And you also must certanly be used for this article from atleast six months. Price of curiosity if as little as it may be. These strategies are also motivating since the potential of country sits on-shoulder of those younger chaps.

Get Unsecured Loans Fast Alternatives For Speedy Cash Payday Loans

Without have the pate price backlash against your credit some points cannot wait another week. A lot of people discover much-needed comfort for their budget and continue tracking with funds when is a new method to help with cash flow. Certainly, a few explanations are why payday loans tend to be referred to as signature loans. If you’re accepted nearly instantly, you’ll figure out. As your economic approach is to destroy deep in debt, it will simply assist you to attain your objective by having numerous loans out at once and not spend them down straight away.

Be honest with oneself to maintain your allowance using out an online payday loan lenders loan. The real reason for this is these obligations are helping the folks in managing their homes at that time of economic crisis. Money emergencies are inclined to occur more regularly than not while kids live in a house. You might just fit inside the income woes using the help of those incredible advance scholarships. There is no need to set anything aside for later in lifestyle, you will find additional credit solutions later. You may also utilize these resources to satisfy your entire expenses like telephone bills your strength bills, knowledge bills, to satisfy the catalog fees.

This can help you find the appropriate loan offer very quickly. You will get fast money through the internet alone. The score does not fall anymore compared to damage from 3 months late for your banker when you are reported for being 120+ times late. Even as we receive them, we don’t specifically squander our wage. However, undertake a credit check in the event of an online loan that is quick as well as you do not must not submit any guarantee.

You could merely connect with obtaining the instant and hassle-free payday loan online fast. Make an application for immediate payday loans online via CitrusNorth and you may be confident to discover money in a jiffy. Not all payday loan lenders possess the same rates of interest mounted on their loans, or are precisely the same qualification requirements requested by them. As you may need funds to fix the vehicle, you envision situation. Not just have you got to find a way to get him home from university, you have to obtain the automobile fixed quickly.

In 1 month, the balance plus expenses are due to be able to reclaim your vehicle’s name. Pay-as muchas you are able to, including the expenses, as a way to keep your automobile from being believed should you not have the amount of money to repay the loan. But, much time to accomplish some paper-work which was published by you as evidence of your detail data is taken by them. A lot of the lending organizations consider just a couple of of minutes to let some can take somewhat while to be eligible for an and you know if you were accepted, with respect to the amount of the loan.

Should you be delayed on a payment, your rating will affect appropriately. You’re able to save lots of waiting time by taking advantage of the loan. Simply because they could possibly get the mortgage amount in only a couple of hours after proof, busy individuals will really enjoy the loans. If you utilize in the morning, you ought to not be unable to get the loan by evening. These breaks are supplied to you personally on terms that were quite simple.

Would youn’t wish to be out of debt in less than a year? the quicker you can get almost any debt paid, the greater off your credit score will be, although not all expenses are as small as cash advance lender debt. A payday loan online, similar to any short term loan, may need you to provide a few pieces of basic info. Oakland met the Orioles once again in the ALCS, before rebounding to get the pennant clincher by way of a 2-1 count, and Catfish Hunter lost Recreation One. While in the Fall Classic against the Dodgers, Catfish Hunter came in with a strikeout of Joe Ferguson to save payday One, and after that gained Game Three 3-2 with some aid the aid of Rollie Fingers. Frequently, you’ll spend between $ 15 and $ 30 for each $100.

Certain requirements are bare the return policy along with minimum can also be very simple. I cannot tell you exactly how many college friends I’d that missing total study papers simply because they did not save after their pc froze and all. There are numerous reputable cash advance companies online and trying to get the cash loan is not slow and easy.

What is HPV

HPV is a virus that is believed to be transmitted by skin to skin or genital to genital contact during sexual activity. It commonly causes genital warts, although infection may occur completely out of view on the cervix, where it is not apparent and does not show any symptoms. There are some 150 named HPV types. Newer testing methods that detect the DNA sequence of viruses demonstrate that there is actually a lot more variation in viral types than this 150, with some suggesting that there are thousands of distinct viral types.

What is the Gardasil HPV Vaccine?
The Merck Gardasil vaccine contains recombinant-generated Virus Like Particles from four strains of human papillomavirus (HPV), numbered 6, 11, 16 and 18. It is approved for females age 9 to 26. It is given in 3 doses over 6 months, at a drug cost of $360.

Are There Other Ways Besides a Vaccine to Prevent HPV?
Condom use dramatically reduces chance of infection from all types of HP viruses, by as much as 70%.

Are There Treatments for HPV?
There is no specific anti-viral treatment for infection, but the majority of infections are cleared by the immune system anyway. Of women who contract HPV infection, 90% will clear the infection through the body’s natural immune processes. The younger the patient the more rapidly they naturally clear infection.

What is Cervical Cancer?
Cervical cancer is cancerous growth on the lower portion of the womb, the part that extends into the vagina.

Are There Treatments for HPV?
There is no specific anti-viral treatment for infection, but the majority of infections are cleared by the immune system anyway. Of women who contract HPV infection, 90% will clear the infection through the body’s natural immune processes. The younger the patient the more rapidly they naturally clear infection.

Is Cervical Cancer a Growing Concern?
Between 1955 and 1992, the number of cervical cancer deaths in the United States dropped by 74%. The death rate continues to go down by about 4% per year. The HPV vaccine is coming out at a time when cervical cancer is already on the decline. This is similar to the polio vaccine, which came out when polio was already rapidly going away on its own.

What Age Group Gets Cervical Cancer?
Half of the cases of cervical cancer occur between the ages of 35 and 45. It is rare under age 20. U.S. statistics show 3-4 cervical cancer cases per year per 100,000 women age 9-26. These are the ages on which the new vaccine was tested.

Of All Cancer Deaths in the US, How Many Are From Cervical Cancer?
The American Cancer Society reports that cervical cancer is responsible for about 1% of cancer deaths per year. Some claim that this low number is due to effectiveness of routine Pap screening, which results in the detection and treatment of pre-cancerous lesions so that they never get to the cancer stage. However the big drop in cervical cancer also coincides with an increased use of condoms, so it is more likely a combination of the two factors.

Has HPV Actually Been Proved to Cause Cervical Cancer?
HPV infection is highly associated with cervical cancer, yet there remains debate as to whether the virus actually causes cancer. There are no published studies in the medical literature that demonstrate HPV actually causes cancer. The alternate explanation (raised by an FDA scientist) is that the theory that “HPV causes cancer” could be backwards. It could be that HPV is just a so-called “opportunistic infection” that is allowed to flourish un-checked in the vicinity of cancer cells.

What Else May Cause Cervical Cancer Besides HPV?
Nutritional deficiencies, especially vitamin A and folate, mineral deficiency (zinc, selenium, calcium and iron), smoking, birth control use and douching have been shown to be associated with cervical cancer. Increase in number of sex partners is a major risk factor for cervical cancer.

Does an Abnormal Pap = Cancer?
The vast majority of abnormal Pap tests do not equate to cancer. Even abnormal Pap tests showing pre-cancerous cells of the CIN II grade clear by themselves with no treatment 40% of the time. Treatment of pre-cancers has limited the progression to cancer to only 1%.

How is HPV Infection Related to Cervical Cancer?
30 types of HPV have been found in association with cervical cancer. HPV type 16 is currently found in 50% of cases of cervical cancer, and type 18 is found in 20% of cases of cervical cancer. Some cervical cancers don’t have associated HPV, and most people infected with HPV do not get cancer, so HPV cannot be the full cause of cancer. Some researchers and FDA scientists wonder if the abnormal cells (cancerous or pre-cancerous) may simply be a friendly environment for viruses to grow around, so the virus infection may occur after the changes that cause cancer rather than the other way around.

Is Smoking a Risk for Developing Cervical Cancer?
Smoking has more to do with the progression of HPV infection to cervical cancer than any other single factor. Smokers with HPV go on to develop cervical cancer much more frequently than infected non-smokers.

Does HPV Cause Warts or Cervical Abnormalities?
According to the Centers for Disease Control and Prevention, it has been estimated that up to 80% of adults have had genital HPV at some point during their life. Although many people are exposed to genital HPV types, only a small number will develop problems as a result of exposure. It has been estimated that less than 5% of people with genital HPV will develop warts, and about 5% of women with genital HPV will develop cervical abnormalities. Most people who have genital HPV but have no warts will have the HPV resolve spontaneously without any treatment.

Do I Need to Do Something for an Abnormal Pap Smear?
HPV infection is often eliminated by the body’s natural immune mechanisms. Abnormal Pap tests often return to normal on their own.

Does a Positive HPV Test Mean I Have Cancer?
If a Pap is atypical or you test positive for HPV, the chances you have a high-grade lesion are about 10-20%. But even a high grade lesion does not mean you have or will develop cancer. With proper medical follow-up, chances of developing cervical cancer will be very close to 0%.


Does HPV Lead to Cancer?
Even though HPV is considered a cause of cervical cancer, only one out of 1,000 women with HPV will develop invasive cervical cancer (ACOG, 2000). Most HPV infection never leads to the development of cervical cancer — even in the absence of medical intervention.


Can a Positive HPV Test Become Negative?
Most young women with a positive HPV test will become negative within a 24-month period.

What About Persistently Positive HPV Tests?
Persistent positive tests with HPV types associated with cervical cancer represent a significant risk for the development of HSIL (High-Grade Squamous Intraepithelial Lesion. However, the document referred to below found that most young women with persistent positive HPV tests did not have cytologically perceptible HSIL over a 2-year period. Factors thought to be associated with the development of HSIL were found not to be important in HPV regression.


Is There an HPV Test for Men?
Currently, there is no medical standard for HPV testing in men. Men are tested for research purposes only by analyzing HPV DNA in swab samples taken from the penis and other sites. However, finding “HPV DNA” is not the same as finding actual HPV (the virus itself).


If There’s No HPV Test for Men, How Are Men Screened for HPV?
Men are typically screened clinically with a visual inspection to check for lesions (such as warts). There is no specific way to test directly for HPV in men that is approved for clinical use.


Do Independent Studies Show the HPV Vaccine Works?
No. It is a crucial part of full informed consent to let patients know that all human studies submitted to the FDA were done by or financed by the drug manufacturers. It cannot be brushed aside that these studies have limited to no independent scientific review. In fact, it takes a formal Freedom Of Information Act request to obtain the exact study reports and statistical analyses that the drug manufacturer gave to the FDA.

Is the HPV Vaccine Proved to Prevent Cervical Cancer?
No. Since HPV is found in connection with most cervical cancers, the theory was that a vaccine against HPV would prevent cervical cancer. However the vaccine studies couldn’t demonstrate this simply because there were no cases of cervical cancer in the vaccinated group, or in the group that got dummy shots. Instead, Gardasil makers used a substitute measure (or surrogate marker) for cancer. They compared abnormal pre-cancerous Pap results in people who were vaccinated versus not vaccinated.

Does the Vaccine Reduce Pre-Cancerous Paps Results?
HPV vaccine studies show that pre-cancerous Paps only went down by 12% to 45%, depending on which population was studied.

How Many Young Women in America Get Cervical Cancer?
U.S. statistics show there are 30 to 40 cervical cancer cases per year per one million women age 9-26, the ages the vaccine was tested on.

Does a Mandatory HPV Vaccine For Young Girls Make Good Sense?
Gardasil’s reduction of pre-cancers by 12.2% to 16.5% in the general population of 9-26 year old females—the age range for which the vaccine is recommended—would mean that instead of 30 to 40 cases of cancer, there would only be 26 – 35 cancers. In other words, it would take vaccination of a million girls to prevent cancer in 4 to 5 girls. Since about 37% die from cervical cancer, the vaccine would prevent 1 to 2 deaths. So $360 million in vaccine would prevent 1 to 2 deaths.

Is Gardasil Proved to Prevent Cervical Cancer?
All claimed benefits for Gardasil in preventing cervical cancer are unproved speculation. In Merck studies of its HPV vaccine, the follow up was too short and the numbers too few to prove prevention of cervical cancer.

How Were Results from the HPV Vaccine Studies Analyzed?
The vaccine studies were analyzed in several different ways. One analysis looked only at girls whose pre-vaccine testing did not show any evidence of current or past infection with the HPV types that are in the vaccine. In people who did not already have one of the four types of HPV, the vaccine was 91 – 100% effective in preventing pre-cancers that were associated with the four vaccine HPV types. They still got pre-cancer associated with non-vaccine HPV types at the same rate as un-vaccinated girls.

The only way to know if you are going to get this response is if you have never had sex before the vaccine, or you have been tested for evidence of prior infection. The HPV test is recommended by the American Cancer Society as part of cancer screening every three years in women older than 30, but it is not yet widely covered by insurance plans outside of these recommendations.

The more useful analysis was called “the general population.” This is all study participants analyzed together, without separating out the ones who had tests showing current or prior infection with vaccine-type HPV. The results for the general population are much different. Because most women are not getting pre-vaccine HPV tests, these numbers apply to all but virgins. In the general population there was little over 12% reduction in pre-cancer associated with any type of HPV.

Is the HPV Vaccine Safe? Can the Vaccine Make HPV Infection Worse?
The study showed an increase in pre-cancer related to the vaccine types in the people who already had these infections before they got the vaccine. It is possible that when infected girls whose immune systems have not cleared the virus from their bodies are vaccinated, the vaccine may lead to an increased number of cases of a pre-cancer. This is very concerning because there is no routine test you can get in your doctor’s office that will tell if you are already infected by a vaccine type HPV before you get the vaccine.

Can Gardasil HPV Vaccine Cause Birth Defects?
Five subjects who got the Merck Gardasil vaccine around the time of conception had babies with birth defects, whereas no birth defects occurred in this time period in the subjects who got dummy shots.

Can the HPV Vaccine Cause Cancer?
The manufacturer of Gardasil specifies that the vaccine has not been tested to see whether it could cause cancer.

What If a Woman is Pregnant or Nursing?
It is not known if the HPV vaccine virus-like proteins or the antibodies pass into the breast milk. Merck says Gardasil should not be given to pregnant women.

Does the HPV Vaccine Affect Fertility?
The longest portion of the study only lasted just under four years. Thus there is no long-term data on how it affects the ability to become pregnant (fertility). This is especially concerning because the FDA has approved the vaccine for as young as 9 year old girls.

Can the HPV Vaccine Harm Young Girls’ Immune Systems?
The effect of artificially influencing the immune system during a time of tremendous hormone shifts of puberty is unknown.

Can the HPV Vaccine Cause Genetic Mutations?
The package insert for the Gardasil HPV vaccine specifies that it has not been tested for altering genes in the patient or her future children (genotoxicity).

How Does Gardasil Compare to Other Vaccines for Safety?
Hepatitis B vaccine was rushed to the market and broadly administered to young people in the absence of adequate human safety testing. It is now one of the most common vaccines reported to the Vaccine Adverse Effect Reporting System, particularly for gastrointestinal problems, arthritis and multiple sclerosis. The new HPV vaccine uses aluminum and polysorbate, two substances known to cause cancer in laboratory animals and to alter immune responses.

What About Long Term Safety of Gardasil?
The long term safety and effectiveness of Gardasil is unknown. Effects on causing cancer, infertility, gene mutations, birth defects and effects in breast milk have not been adequately studied in humans.

About HPV

“Merck has misrepresented the facts, or is at least standing by dumb while others misrepresent them. It is misleading to say HPV causes cervical cancer…Merck left policy makers in the dark as to the myriad of possible downsides to mandatory vaccination for HPV, and has actively lobbied and paid large campaign contributions to politicians willing to support mandatory vaccination…At $360, Gardasil is one of the most expensive vaccines on the market.”

The lure of government mandates has turned Merck, if it wasn’t already, into an unethical company. In principle, I have nothing against Merck publicizing its products and their benefits. But Merck has exaggerated the benefits of its Gardasil vaccine and has shamelessly lobbied lawmakers to make a vaccine of questionable benefit mandatory.

At $360, the Gardasil vaccine against four types of human papillomavirus (HPV) is one of the most expensive vaccines on the market. On June 8th of last year the Food and Drug Administration (FDA) approved Gardasil for use in girls age nine to 26.

It is important to mention that technically “mandatory vaccination laws” are not “mandatory” because they all contain constitutionally required opt-out provisions. Nevertheless when lawmakers, Merck, the press and everyone else call’s such laws “mandatory,” they in effect become so because the public perception is that they are.

Factual Errors.

Merck has misrepresented the facts, or is at least standing by dumb while others misrepresented them. It is misleading to say the human papillomavirus (HPV) causes cervical cancer. Not all HPV viruses cause cervical cancer and, while HPV is prevalent, those types (types 16 and 18) that cause cervical cancer are not nearly as prevalent. There are 37 or more types of genital HPV. The rate of all 37 types together is high – 34% among women ages 14 to 24, but the rate for the types 16 and 18 that are responsible for 70% of cervical cancer cases in the U.S. – is only 1.5% and 0.8% respectively. See the Journal Watch article published today.

Parts of the “Patient Product Information” link for Gardasil on the Merck website are vague at best and confusing and misleading at worst. In light of the information above consider these two paragraphs:

What is Human Papillomavirus (HPV)?

HPV is a common virus. In 2005, the Centers for Disease Control and Prevention (CDC) estimated that 20 million people in the United States had this virus. There are many different types of HPV; some cause no harm. Others can cause diseases of the genital area. For most people the virus goes away on its own. When the virus does not go away it can develop into cervical cancer, precancerous lesions, or genital warts, depending on the HPV type. See “What other key information about GARDASIL should I know?”

Who is at risk for Human Papillomavirus?

In 2005, the CDC estimated that at least 50% of sexually active people catch HPV during their lifetime. A male or female of any age who takes part in any kind of sexual activity that involves genital contact is at risk. The U.S., unlike some other countries, has been very successful at reducing cervical cancer rates. Both the actual number of cases of cervical cancer and the number of deaths from cervical cancer has been declining steadily for the past ten years. (seer.cancer.gov/statfacts/html/cervix.html).

Furthermore, the effectiveness of condoms in preventing the spread of HPV is well documented, as is the value of routine pap smears in preventing death from cervical cancer.

Policy Errors.

Merck is also clearly taking advantage of some very fallacious policy analysis. It is very difficult to do a cost benefit analysis in public health because there are so many factors, known and unknown that come into play, but to have the debate ignore considerations that are blatantly obvious is suspect. While it is horrible that anyone should die of cervical cancer, it probably does not make sense to advocate mandatory vaccination for approximately 30,000,000 school aged girls with a brand new vaccine in order to prevent fewer than two percent of those girls from getting cervical cancer in the future.

Risk assessment is not easy, particularly when, as is the case with Gardasil, the long term effects of a vaccine are totally unknown. Women who participated in the drug trials were followed for an average of less than three years. Consider this totally hypothetical example: what if 90% of all school age girls are vaccinated within the next five years and then ten or twenty years from now it is discovered that the vaccine made them sterile or actually caused them to get a different type of cancer than what they were vaccinated against? Or worse yet, because of the difference in sample size, once millions of 9 and 10-year olds were vaccinated instead of just a couple of hundred, one percent of the girls had side effects severe enough to cause brain damage or death?

The principle of unintended consequences suggests that, in all but the clearest cases, health risk assessments should be left up to individual families, not only because making such determinations rightly rests with families, but also because it simply does not make sense from a public policy standpoint to experiment on such a large portion of our population all at once. Let parents choose for their girls, then there will be portions of the population that does and that doesn’t get the vaccine and others that received it later or earlier, or yet others that receive it while younger or older. Allowing parents to make their own risk assessments is a natural way to protect the population from some negative unintended consequence of the vaccine affecting a whole demographic all at once.

To add insult to injury, not only has Merck left policy makers in the dark as to the myriad of possible downsides to mandatory vaccination for HPV, it has actively lobbied and paid large campaign contributions to politicians willing to support mandatory vaccination policies. According to documents obtained by The Associated Press last month, Merck donated $5000 to Texas Gov. Rick Perry (R) on the same day Perry’s chief of staff met with the governor’s budget director and others for a “HPV vaccine for Children Briefing.”

Similar scenarios played out in at least seven other states. This seems quite a bit like bribing politicians to do something for Merck, something that will bring Merck huge profits, very possibly at the expense of the general population – or at least at the expense of little girls.

Unfortunately, 20 states or more are currently considering mandatory HPV vaccination laws.

The National Vaccine Information Center

Merck’s marketing strategy has positioned mass use of this vaccine by pre-teens as a morality play in order to avoid talking about the flawed science they used to get it licensed…

Washington, D.C. — The National Vaccine Information Center (NVIC) is calling on the CDC’s Advisory Committee on Immunization Practices (ACIP) to just say “no” on June 29 to recommending “universal use” of Merck’s Gardasil vaccine in all pre-adolescent girls. NVIC maintains that Merck’s clinical trials did not prove the human papillomavirus (HPV) vaccine designed to prevent cervical cancer and genital warts is safe to give to young girls.

“Merck and the FDA have not been completely honest with the people about the pre-licensure clinical trials,” said NVIC president Barbara Loe Fisher. “Merck’s pre and post-licensure marketing strategy has positioned mass use of this vaccine by pre-teens as a morality play in order to avoid talking about the flawed science they used to get it licensed. This is not just about teenagers having sex, it is also about whether Gardasil has been proven safe and effective for little girls.”

The FDA allowed Merck to use a potentially reactive aluminum containing placebo as a control for most trial participants, rather than a non-reactive saline solution placebo.[1] A reactive placebo can artificially increase the appearance of safety of an experimental drug or vaccine in a clinical trial. Gardasil contains 225 mcg of aluminum and, although aluminum adjuvants have been used in vaccines for decades, they were never tested for safety in clinical trials. Merck and the FDA did not disclose how much aluminum was in the placebo.[2]

Animal and human studies have shown that aluminum can cause nerve cell death [3] and that vaccine aluminum adjuvants can allow aluminum to enter the brain, [4 5] as well as cause inflammation at the injection site leading to chronic joint and muscle pain and fatigue. [6 7] Nearly 90 percent of Gardasil recipients and 85 percent of aluminum placebo recipients followed-up for safety reported one or more adverse events within 15 days of vaccination, particularly at the injection site.[8] Pain and swelling at injection site occurred in approximately 83 percent of Gardasil and 73 percent of aluminum placebo recipients. About 60 percent of those who got Gardasil or the aluminum placebo had systemic adverse events including headache, fever, nausea, dizziness, vomiting, diarrhea, myalgia. [9 10] Gardasil recipients had more serious adverse events such as headache, gastroenteritis, appendicitis, pelvic inflammatory disease, asthma, bronchospasm and arthritis.

Merck and the FDA do not reveal in public documents exactly how many 9 to 15 year old girls were in the clinical trials, how many of them received hepatitis B vaccine and Gardasil simultaneously, and how many of them had serious adverse events after being injected with Gardasil or the aluminum placebo. For example, if there were less than 1,000 little girls actually injected with three doses of Gardasil, it is important to know how many had serious adverse events and how long they were followed for chronic health problems, such as juvenile arthritis.”

According to the Merck product manufacturer insert, there was 1 case of juvenile arthritis, 2 cases of rheumatoid arthritis, 5 cases of arthritis, and 1 case of reactive arthritis out of 11,813 Gardasil recipients plus 1 case of lupus and 2 cases of arthritis out of 9,701 participants primarily receiving an aluminum containing placebo. Clinical trial investigators dismissed most of the 102 Gardasil and placebo associated serious adverse events, including 17 deaths, that occurred in the clinical trials as unrelated.

“There is too little long term safety and efficacy data, especially in young girls, and too little labeling information on contraindications for the CDC to recommend Gardasil for universal use, which is a signal for states to mandate it,” said Fisher. “Nobody at Merck, the CDC or FDA know if the injection of Gardasil into all pre-teen girls – especially simultaneously with hepatitis B vaccine – will make some of them more likely to develop arthritis or other inflammatory autoimmune and brain disorders as teenagers and adults. With cervical cancer causing about one percent of all cancer deaths in American women due to routine pap screening, it was inappropriate for the FDA to fast track Gardasil. It is way too early to direct all young girls to get three doses of a vaccine that has not been proven safe or effective in their age group.”

The National Vaccine Information Center (NVIC), founded in 1982 by parents of vaccine injured children, has been a leading critic of one-size-fits-all mass vaccination policies and the lack of basic science research into biological mechanisms and high risk factors for vaccine-induced brain and immune system dysfunction. As a member of the FDA Vaccines and Related Biological Products Advisory Committee (VRBPAC), Barbara Loe Fisher urged trials include adequate safety data on pre-adolescent children and warned against fast tracking Gardasil at the November 28-29, 2001 VRBPAC meeting .[11]

What’s the Truth About HPV and The Cervical Cancer Vaccine?

I’m a young woman concerned about my health, about preventing illness, and about the well being of young women everywhere. With these concerns in mind, I looked into Merck pharmaceutical company’s new product, Gardasil, a vaccine that claims to prevent cervical cancer by preventing infection with Human Papilloma Virus (HPV).

Experts say HPV is a sexually transmitted disease that may cause some forms of cervical cancer. The concept behind the Gardasil vaccine is that if women avoid HPV infection, they will avoid developing the forms of cancer HPV is thought to cause.

Gardasil works by introducing “dead” HPV virus into our bodies through series of three injections that cause us to produce HPV antibodies. It is believed that these antibodies will protect us from contracting HPV if it is passed on to us during sexual intercourse.

After reading up on HPV and Gardasil, I have a lot of questions. For example:

How do we know the HPV vaccine prevents cervical cancer if girls get shots at age nine as recommended, but don’t become sexually active for another 10 or more years?

Since most cases of cervical cancer in the US appear in women over age 35, and the vaccine was tested for only four years, how did Merck prove Gardasil works?

If HPV is a sexually transmitted disease, why is there no HPV test for men?

If there are no HPV tests for men, how can experts claim millions of men have HPV?

Why do most abnormal Pap smears indicating HPV infection become normal with further testing—and without any treatment for HPV?

If only .0055% of American females are diagnosed with cervical cancer each year, does it make sense to give 100% of all women in the US vaccines of unknown safety and efficacy?*
I believe that you and I have a right to receive answers to these questions so we can make an informed choice about the Gardasil HPV vaccine. In searching for answers, what I’ve found so far is that leading experts on HPV and Gardasil are either unwilling or unable to provide them. Not even when offered money for their time and trouble.

The following exchange between me and Dr Richard Frieder is one example of an expert that wouldn’t answer questions about HPV and Gardasil, even though he’s an outspoken advocate of the vaccine ­ and not even when I offered $2,500 for his time!

I’m a working mother of two and not the type of person to hand out thousands of dollars in exchange for a photocopy of a medical study, but I really wanted some answers. If you have or can find the answers that Dr. Frieder didn’t provide, please send them on. I will be glad to make a donation in your name to any of the women’s charities linked to at this site.

With appreciation and in solidarity,
Casey Cohen

Outspoken Gardasil Expert Silenced by Simple Questions
August 21, 2006 Letter from Casey Cohen:

Dear Dr Frieder,

I read with great interest your article about the new HPV vaccine Gardasil (“Protect Your Daughter From Cervical Cancer”) that appeared in the Santa Monica Mirror.

I recently had an abnormal Pap smear, and like the patient you mention in your article, I too was frantic. But my first step was to go for another Pap smear rather than ago into a total panic, and I’m glad I did.

The second Pap was normal, and a third was normal as well. What concerns me now is that I have since discovered that almost every woman I know has had a similar experience, that is, an abnormal Pap followed by a normal Pap. wonder, does this mean that the abnormality resolves itself or that the first Pap was incorrect? Is there a medical explanation for why abnormal to normal Paps are such a common experience?

Since my almost panic, I’ve become interested in HPV and have been doing some research. Rather than leading to greater understanding, I am confused by the difference between what I’ve read and what you write. Your article states that HPV affects “over 20 million American men and women.” I could not find a study that gave information on numbers of men diagnosed with HPV. Could you please send me or refer me to some data on how many American men actually have HPV?

I also wonder how HPV is tested for in men. Can you shed some light on this? My own gynecologist said she’s never heard of HPV testing for men. This seems odd to me since HPV is described as a sexually transmitted disease. Shouldn’t men take charge of their health by testing, too? Do you test for HPV in men? And do you know how often cancer follows a positive HPV screening in men?

I’m also having difficulty locating a study that demonstrates a causal relationship between HPV and cervical cancer. All I can find are studies that indicate a correlation, but no causation. I’ve asked three doctors about that, including the one who did my Pap smears, and she can’t find any studies that demonstrate causation, either, so we both need your help! About the new Gardasil vaccine, your article says that it has “no known side effects.” Does this mean no known immediate side effects or no known long-term side effects?

One last question, and this may be stupid, but how does anyone know the HPV vaccine prevents cervical cancer if you get the shot at age nine (as you suggest) but don’t become sexually active for another 10 or more years, and most cases of cervical cancer (from what I’ve read) appear in women over age 35?

I look forward to gaining insight on this important topic and thank you for very much for your time.

Casey Cohen

PS How is the “frantic patient” in your article doing?

August 31 Reply from Dr Frieder
Dear Santa Monica Mirror reader,

Thank you for your email and your interest in my article. I’m very glad that this subject is getting attention and provoking your good questions. As far as providing you with further information, I’m sorry but I just don’t have the time to respond to all of the inquiries that I’ve received. I’m a private physician with limited time. If you have specific concerns regarding your own health, I’d be happy to see you for a consultation. If you’d like an appointment, please call my office.

If you have general questions regarding the subject of HPV and Cervical Cancer, I’d suggest that you research the following web sites: www.richardfrieder.yourmd.com www.webmd.com www.acog.net www.gardasil.com

Thanks again for your interest. I apologize for this form letter, and hope you’ll understand. Best wishes,
Richard Frieder, MD

PS. Ms. Casey, Your letter indicates a great deal of insight and curiosity. I think you’ll find the answers in these references.

August 31 Letter from Casey Cohen
Dear Dr Frieder,

Thank you for your reply. I appreciate you taking time from your busy practice to write to me.

Unforunately, I do not live in the Santa Monia area. I was passing through on my way to San Francisco and picked up the Mirror at a market. A consultation is not possible for me.

What is possible is to recompense you for your time in providing me with the answers and references I seek. Also, if you are affiliated with or support a charity, I would be happy to make a donation on your behalf in exchange for your help in providing answers to my questions.

Please let me know if I may reimburse you for your time. In the meanwhile, I would appreciate a reference for the number cited in your article of 20 million American men and women with HPV. I assume you have this close at hand since the article appeared in the August 24-30 edition of the Mirror.

Thanks again for your time.


September 1 Letter from Dr Frieder
Hi Ms. Cohen,

I’m enclosing the Gardasil product information found on their web site for your review. This is citation with regard to 20 million Americans who have had HPV. I don’t know the specific literature that they used, but this fact is common knowledge, as is the fact that HPV is the cause of cervical cancer, and is supported by a large body of literature.

I’d really encourage you to get guidance in this area from your regular OBGYN. He/she really should be able to answer all of your questions. I’d be happy to have a phone consultation with you regarding your questions if that is your preference. I can also provide you with research studies if you wish, but this would be costly, and you can get the same information yourself.

Best wishes,
Richard Frieder, MD

September 2 Letter from Casey Cohen
Hi Dr Frieder,

Thank you for referring me to the Gardasil web site.

While the site is interesting, the information there seems geared toward promoting the vaccine and does not answer my specific questions. For example, Gardasil says the 20 million number of HPV carriers cited in your article is an estimate, not an actual case count. It also notes that the claim that “50% of sexually active people catch HPV” is an estimate, rather than an established fact.

The site gives no explanation as to why the HPV vaccine is only for “girls and women ages 9 to 26” or why it might be prohibited for use by boys and men. Why would a vaccine for a sexually transmitted disease be restricted to use only among females?

The site also gives no information on HPV testing for men or even a link to where one can learn more. Do you test the male partners of the women in your practice who come up positive for HPV or recommend a lab where their husbands and boyfriends can go? What test does a man ask for to screen for HPV?

The site does state that “cancer of the cervix…is caused by certain types of HPV” but again, without a reference.

As I mentioned, I’ve spent many hours searching for references to what you, my own doctor and other experts call common knowledge, without finding the studies or data upon which this common knowledge is based. I am an intelligent person who can find my way around the internet and a library yet the most basic information seems uncommonly hard to find. At this point, I’m reaching out to you, an expert in your field and an advocate for Gardasil, and offering to pay you for your help, directly or through a donation to the charity of your choice.

Would $2,500 suffice as recompense to answer the questions in this email? Please let me know.

With thanks,

September 3 Letter from Dr Frieder
Hi Ms Cohen,

You’re clearly a very intelligent and educated person with many good questions. I’m afraid I can’t help you any further in this matter. I respectfully refer you to the resources that I’ve given you for your further investigation.

Richard Frieder, MD

September 3 Letter from Casey Cohen
Dear Dr Frieder,

I don’t understand. You are the author of a published article that enthusiastically promotes the new HPV vaccine but are unable to answer a few simple questions about the vaccine or HPV despite a generous offer to compensate you for your time.

Can you at least give me the name of the HPV test used for men and the name of just one study that demonstrates HPV causes cervical cancer? In exchange, I will send the offered recompense of $2,500 to The Make a Wish Foundation, a charity which brings joy to the lives of children with terminal illness.

Thank you,

As of today’s date, Dr Frieder has never responded to my questions or offer for a donation to the Make A Wish Foundation, and I’m still waiting for an expert on HPV to reply to my concerns. Can you help?