reading - Refinance

I bought an apartment in 2007 and the mortgage rate for 30 years is I recently went to a bank and they gave me the rate of as of April 09 for refinancing. It seems like Obamas plan is working which is great. But do you think the rate will even go lower Should I wait longer or better to settle now.

Basic things about I want to refinance my mortgage due to the recent low rate should i wait longer

Refinancing
Some cases your payment will be the same, in that case you would want to. External links ? Streamlining your Mortgage ? Mortgage Refinancing Information

Balloon payment mortgage
A balloon payment mortgage is a mortgage which does not fully amortize over the term of the note, thus leaving a balance due at maturity The. rate mortgages do not need to be.

Home Affordable Refinance Program
? targets homeowners who are current on their monthly mortgage payments but are unable to refinance due to. The good news is you don?t need to go to your current lender.

Reverse mortgage
? may qualify for a streamline refinance if the interest rate is reduced. A reverse mortgage. any health or safety repairs need. Once the mortgage comes due the borrower or.

Refinancing
can I link to my refinance quote page? and why does quicken get to be the only lender here? we either need to list all. I have a number of refinance mortgage.

Honestly the rate changing a little bit doesnt make a huge difference. Is a great rate and waiting longer takes on a risk of it going up too. Id just lock in now and get your payments down. The longer you wait the longer you are making your higher payments too.

You never have to worry about the mortgage woes anymore. Just get a quick help from the experts and just click on the website link here and you are saved.

.

Whats the best way to refinance my mortgage.

Go to the bank and say I want to refinance my mortgage.

I have a one bedroom condo in Cape Canaveral where the real estate market is pretty depressed. What are the pros and cons of selling the condo and holding the mortgage There are no liens or mortages on the condo at this time.

The economy and real estate market will rebound eventually. It may not be next month next year or even the year after that but it will probably be within the next few years. As for holding a mortgage on the property it could be a somewhat risky venture as mentioned above the property could be devalued you could end up having to foreclose on the property andor some type of disaster could hit the property. The buyer could also decide they want to refinance shortly after you selling them the home and they could get rid of you as the mortgage holder.

However by selling the property and holding the mortgage you would also be able to create an instant cash flow on the property that would hopefully continue for quite some time. My recommendation is that when you look at the risk versus reward I would simply cut my ties sell the property and invest the money in something else that has a much lower risk and just as much if not more of a reward. There are many investments out there averaging roughly 10 per year. Mutual funds are somewhat safe and there are many producing a decent return.

If you really want to hold a mortgage still I would forget about the mortgage rent the property out and wait until the market improves in a few years to sell. This still gives you the cash flow and allows you to wait on selling until the market rebounds. Good luck.

I want to refinance my mortgage THANKS.

Refinance is my choice. I see it this wayYou want to refinance your mortgage therefore you are making an application to refinance your mortgage. So you are making a refinance application. You dont want to refinancing your mortgage do you Thats why I choose refinance although I had to give the question some thought.

Mortgage & Refinance Questions

Is low enough to force a rate change Both are listed on the deed.In a refinance are appraisalsbe removed after the refi closes It wouldnt appear that the rate could change then.Why are refinance. My purchase loan rate was 6. Refinance will be Originally Posted By benjammingWhats .

My purchase loan rate was 6. Refinance will be Originally Posted By benjammingWhats along with it. Incidentally I timed my first refi right my house was up in value and I dumped PMI experience. When I was on .

Mortgage experts, should we refinance?

The current mortgage for 3 years. It seems like a good idea what do you thinkto refinance in my is difference of 1 in the rate. You might want to see if you can do better on those closing .

To refinance in my situation. there is difference of 1 in the rate. You might want to see if you can do better on those closing Why would you want to save 100month to reset the clock On the back end youll be paying .

Mortgage refinance

My wife and I have lived in our house for two and a half years. We owe 150 000 on our mortgageGreetings everyoneI have been a reader on this website for a few months but this is my firstmortgage right now. Banks dont want to see more than 40 of your income going to debt repayment .

mortgage right now. Banks dont want to see more than 40 of your income going to debt repayment.To be honest Im not even sure you could qualify for a new mortgage right now. Banks dont want to see ratings. Thats ? .

What?s better to refinance through online mortgage vs. Regular banks

Whats better to refinance through online mortgage vs. regular banks From closing cost and long term prospective is is better to go through regular bank or online mortgage providerswant to ask the question with any prospective bank or online mortgage provider how long will it take .

want to ask the question with any prospective bank or online mortgage provider how long will it takeThe mortgage experience can be excellent with either option. It really boils down to the individual that are seeking a .

Mortgage & Refinance Questions

Is low enough to force a rate change Both are listed on the deed.In a refinance are appraisalsbe removed after the refi closes It wouldnt appear that the rate could change then.Why are refinance. My purchase loan rate was 6. Refinance will be Originally Posted By benjammingWhats .

My purchase loan rate was 6. Refinance will be Originally Posted By benjammingWhats along with it. Incidentally I timed my first refi right my house was up in value and I dumped PMI experience. When I was on .

Financing: My house was appraised in March 2009, now I want to refinance,?

My house was appraised in March 2009 now I want to refinance do I need to have another appraisalcan still refinance up to 105 of the value of their home. For all mortgage financing always ask whatthat will allow you to basically refinance your mortgage by signing a bunch of papers .

Can still refinance up to 105 of the value of their home. For all mortgage financing always ask what that will allow you to basically refinance your mortgage by signing a bunch of papers refinance but they .

Bank refusing refinance to more affordable rate

Approached my branch for a staff mortgage on a repayment basis which on the babsis of their Quote of the debt reducing. I have been advised however that given my current mortgage with them was doneit into your costingsOff the top of my head the HMRC rate for a staff mortgage is 4 so youre .

It into your costingsOff the top of my head the HMRC rate for a staff mortgage is 4 so youre talking be careful of what you post. Never know who is reading Did you obtain your current mortgage through not staff product. He ? .

Who to refinance with

Who to refinance with DW I are looking to refinance. Not only do we want to lower our interestold we bought it new. We are 3 12 years into a 30 year refinance have 26 12 years leftI was paying escrow with my mortgage payment but that was the number they used when the settled the .

I was paying escrow with my mortgage payment but that was the number they used when the settled the account. Of course there was more than that because I was paying escrow with my mortgage payment. With our .

Home refinance appraisal holy crap

And Bill Clinton for your effort in pushing the Community Reinvestment Act on the mortgage companiesand starting the socalled mortgage crisis. May both of you go straight to hellin winter and cool in summer.My folks sold a cottage today that was worth 225K more 6 years ago. B .

In winter and cool in summer.My folks sold a cottage today that was worth 225K more 6 years ago. B in winter and cool in summer.My folks sold a cottage today that was worth 225K more 6 years ago was passed on October 12 1977 .

FHA Loan Streamline Refinance and Subordinating NJ smart Start Program

?. My wife and I want to simply Streamline Refinance to take advantage of current low rates Loan Streamline Refinance and Subordinating NJ smart Start Program We took out a FHA MortgageYou were given the incorrect information. i have completed a streamline refinance on two other .

You were given the incorrect information. i have completed a streamline refinance on two other an individual from the mortgage. I would be happy to help you with the process. Camille Marotta Branch Manager NMLS 9838 First Alliance Home ? .

Mortgages For Dummies

Need a mortgage but worried about the market? In Mortgages For Dummies, 3rd Edition, bestselling authors Eric Tyson and Ray Brown give you proven solutions for obtaining a mortgage, whether you want to buy your first home, refinance, or tap into your equity.

You get the latest on sub-prime and adjustable-rate mortgages, finding the best lender, avoiding fiscal pitfalls and foreclosure, and much, much, more!This easy-to-understand, objective, and jargon-free guide helps you fine-tune your finances, figure out what you can afford, and improve your credit score before you go mortgage shopping.

You?ll get familiar with the advantages and disadvantages of fixed- and adjustable-rate mortgages, 15- and 30-year loans, and conforming and jumbo packages. You also get help finding and working with reputable professionals, comparing programs, and securing terms you can live with.

Discover how to:Match your mortgage to your financial goalsQualify for a mortgage even when money is tightFind the right loan for youChoose the best lender/brokerNegotiate the best termsCalculate your costs and paymentsUnderstand and complete all paperworkRefinance an existing mortgageUnderstand and consider special situation loansExplore reverse mortgages and other optionsDecipher amortization tables and comparison worksheetsUse the Internet wisely when mortgage shoppingNow, more than ever, you need clear, reliable information that helps you get the mortgage you need at a price you can afford.

You need Mortgages For Dummies, 3rd Edition!

Emergency Economic Stabilization Act of 2008

Enacted in response to the subprime mortgage crisis authorizing the administer a national program to help homeowners refinance their mortgages. .

United States housing market correction

A mortgages made in difficult to refinance? or catch Most of them are homeowners, and many of them will presumably want to sell their .

Merrill Lynch

Subprime mortgage crisis Trading partners? loss of confidence in Merrill Lynch?s solvency and ability to refinance short-term debt .

Barney Frank

No mortgages would purchase or refinance homes and engine project that the Pentagon does not want Frank told MSNBC ?s Keith Olbermann that .

Sharon Lechter

Community First Financial a mortgage brokering company in Scottsdale , Ariz. We want people to own assets; we want people to be able to .

Political positions of Mitt Romney

I think the idea of helping people refinance homes to stay in them believe as we want, but we will not force our beliefs on others on that matter. .

Tea Party protests

Criticized the government plan to refinance mortgages , which had just com/id/29471026 Rick Santelli: I Want to Set the Record Straight CNBC .

Tea Party movement

To refinance mortgages , which had just been announced the day before. party?they want to see leadership that reflects their values first? .

Richard Blumenthal

Illinois and Florida in suing subprime mortgage lender Countrywide homeowners could refinance, condemning them to hopelessly unaffordable loans.? .

United States Senate career of Hillary Rodham Clinton

Owners? Loan Corporation , to help homeowners refinance their mortgages. care reform Party leaders did not want to dislodge any existing .

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Customer Service After the Selling Still Hard disks Business Sales ...

Jun 20, 2012 by KersonShakespear

The decision center customer service boss job explanation includes top a team of 10-20 users depending on the power of the corporation and powering them to attain the monthly workforce targets. The financial institution customer service manager employment description includes dealing with the particular customers and fixing their inquiries regarding the functioning of the balances and other solutions offered by your banker.

Tell them concerning the STAR formatting and that you are searhing for examples of distinct competencies, give them a few examples of the competencies you are searching for.

Helpdesk services can be purchased round the clock with an affordable price tag if you outsource them. However, take the time to see the terms and conditions on the contract before you decide to hire the organization process outsourcing service provider.

Almost all customer service reps are only doing the job to be able to advance inside the company and also gain the info and associates they need to look after their goals. No one wants to sit in a desk using that headset for the rest of their lives. Frequently it?s hard to encourage those individuals which is something that division leaders ought to address. If the employees are not taking their work opportunities seriously and therefore are not determined, it can lead to important trouble.

Begin a customer service mission. This kind of begins with discovering the significant affects that your company?s services don both your own internal and your external customers. Seem beyond the obvious features of your product or service to get the benefits they provide to your customers. As an example, a company which makes anti-lock brakes will more than production a product. Their own product could eventually save lifestyles.

The success of any organization lies on precisely how core personnel manage jobs and handle employees. If you want to have a sure group success from the individual level up, taking note of this on management training types-and putting into action them-should be your ultimate task.

Almost all disabled customers will take the business in an organisation containing built some sort of reputation for providing accessible as well as disability-friendly customer service so companies must figure out how to offer that ahead of the Activities.

The company works by using its Twitter profile to interact with customers, nonetheless, also employs the Pottery Barn YouTube route to build the particular community online. They have got videos like how-to?s for bash planners, artist profiles and featured goods. By giving guidance to consumers and definitely a story after dark products Pottery Barn gives shoppers much more than merely a product and as such builds up a terrific relationship with these ? a hands-on form of customer service.

The issue is, you can?t repair what is definitely not broken. So as their clients experienced decided not to protest, they were not one the recommended as to their own customers disapproving or being unhappy with their service.

Service Recovery ? Marriott Hotels employs the service retrieval acronym Find out: Listen, Empathize, Apologize, Answer, Notify (your own supervisor in addition to co-workers so that it does not happen again in order to future customers). Other businesses make use of the acronym Very last: Listen. You are. Solve. Thank (the customer for bringing the problem to your focus). What are the service restoration steps that you simply expect each and every employee for taking when confronted with a dissatisfied customer?

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College football is moving toward a playoff, but slowly, as usual

It took from 1869 ? the first game between Rutgers and Princeton ? until last April to even contemplate a sort-of, kind-of, half-baked playoff.

Glaciers have moved faster than college football.

So don't get steamed or act surprised if we tell you a formal announcement of the four-team model proposed only weeks ago may not hit its target release date.

Following a late-April dispatch on BCS letterhead that included the words "we will present to our conferences a very small number of four-team options," it seemed logical to anoint June 20 as the day it might be ratified and forwarded to university presidents for a June 26 rubber stamp.

June 20 is Wednesday.

The commissioners are still meeting in Chicago and the presidents are still convening next week in Washington.

The tying up of strings, though, could continue after everyone was supposed to start summer vacation.

"The presidents may or may not make their final decision," BCS Executive Director Bill Hancock conceded this week about next week.

This is starting to feel like the rugby-scrum BCS title game, in which Louisiana State didn't cross midfield until the fourth quarter against Alabama.

What happened?

The commissioners left Florida locked in chorus-line unanimity on the four-team concept that, in 2014, would replace the controversial Bowl Championship Series, which inspired one book title that began with the words "Death to . . ."

The public rejoiced, yet the BCS neglected to include the important bailout qualifier, "pending a food fight between the distinguished decision makers . . ."

The underlying problem has always been that what is best for the Southeastern Conference is rarely what is also good for the Big Ten, Pac-12 or Rose Bowl.

The 11 BCS commissioners and Notre Dame thought they could amicably work out the four-team details.

The Big Ten and Pac-12, led by Jim Delany and Larry Scott, said emphasis should be given to conference champions, schedule strength and Rose Bowl preservation.

Why? Because, starting in 2017, the conferences will start beating each other up annually in a series of nonconference games, making the road to the national title more difficult.

The Pac-12 already plays a nine-game league schedule, compared with eight for SEC teams.

The SEC remains adamant that any playoff should not get caught up on "conference champion" labels.

Why?

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Last chance to stop sub-Sahara food crisis: EU

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RTI looks to hire 400 call center jobs

RTI International is looking to hire 400 full and part-time positions at a North Raleigh call center.

RTI International? ? RTI International Latest from The Business Journals RTI International launches Nanomaterial Registry Three new trustees nominated to Pitt boardStocks meander; EDMC, US Steel down Follow this company is again looking to fill 400 full and part-time positions at a North Raleigh call center.

Greene Resources, which previously helped RTI organize an open house for job seekers in April, now is organizing a similar event on June 26.

The new positions, which are in addition to the ones that were recruited in the spring, will start in July and will involve conducting telephone interviews to obtain research data from survey participants.

Many of the jobs require evening and weekend schedules, but some day shift schedules are available. Positions pay $10 an hour and a high school degree is required.

The open house will be held from 9 a.m. to 7 p.m. at the Hilton North Raleigh on Wake Forest Road.

Lauren Ohnesorge covers technology, biotechnology and Durham County.

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Antitoxin strategy may help target other pathogens

Public release date: 18-Jun-2012
[ | E-mail | Share ]

Contact: Thomas Keppeler
tom.keppeler@tufts.edu
508-839-7910
Tufts University, Health Sciences Campus

'Beads on a string' approach may reduce cost and development time for agents that neutralize and clear pathogenic molecules

North Grafton, MA, June 14, 2012 -- Researchers have unveiled a novel strategy for neutralizing unwanted molecules and clearing them from the body.

The strategy employs chains of binding agents, like "beads on a string", which target two sites on one or more pathogenic molecules to neutralize their activity and promote their clearance by the body's immune system. The low-cost, easy-to-replicate tool has demonstrated applications against several different toxins, from those found in contaminated food to those used in bioterrorism, and may also prove effective in targeting other types of pathogens.

The research team, based at Tufts University's Cummings School of Veterinary Medicine, demonstrated the method's efficacy in preventing the symptoms of botulism, a rare but deadly disease caused by Clostridium botulinum neurotoxin (BoNT), considered one of the most dangerous bioterror threat agents. The findings were presented earlier this year in PLoS ONE.

"Currently, antitoxins are difficult to produce and have a short shelf life, making them very expensive. This new approach provides a low-cost way to develop highly effective antitoxins," said senior author Charles B. Shoemaker, PhD, professor of biomedical sciences at Tufts University's Cummings School of Veterinary Medicine.

"This method has the potential to target a number of pathogens not only toxins such as BoNT, but viruses or inflammatory cytokines. It is an important platform through which to address other significant diseases," says co-author Saul Tzipori, BVSc., DSc, PhD, professor of biomedical sciences and director of the Division of Infectious Diseases at the Cummings School.

Shoemaker and team had earlier found that pools of small 'tagged' binding agents were highly effective in targeting toxins, neutralizing their function, and flagging them for removal via the body's immune system in the presence of an anti-tag monoclonal antibody.

In the newly published in vivo study, the researchers have advanced this approach by linking two BoNT-binding agents together and including two copies of the tag. The binding agents are small, stable proteins derived genetically from unusual antibodies produced by toxin-immune alpacas. The resulting molecule, called a 'double-tagged heterodimer,' binds to two separate sites on the toxin. Binding of this single heterodimeric agent much more effectively neutralizes the toxin than the unlinked monomer binding agents used in the prior research. In addition, attaching two tags to each of the two linked agents leads to toxin decoration by up to four anti-tag monoclonal antibodies, which promotes rapid toxin clearance from the blood, the researchers found (see figure).

The double-tagged heterodimer antitoxin agent strategy was shown to be efficacious against two types of BoNT in the PLoS ONE report. The antitoxin agents were administered at the time of exposure, or shortly after. Treated mice did not show any symptoms of botulism including the lethal paralysis which characterizes the disease, even when exposed to high toxin doses. Thus, the benefits of complex antitoxins were equaled or bettered by administration of two easy-to-produce agents; a heterodimer binding agent and an anti-tag monoclonal antibody.

According to Shoemaker, a major advantage of this approach is that, unlike treatments that only neutralize toxins, this treatment both neutralizes toxins and ensures their rapid clearance from the body. "Agents that only neutralize their pathogenic target will eventually dissociate which will allow the pathogen to continue doing damage if it is not eliminated," he said.

The group has now successfully taken the research further by building longer strings of binding agents that target multiple toxins with a single moleculefor example, the two types of Shiga toxins that are produced by some E. coli found in contaminated foods or the two toxins produced by hospital-acquired C. difficile infections.

###

The work was funded in part by the National Institute of Allergy and Infectious Diseases (NIAID), National Institutes of Health (NIH), the Department of Health and Human Services, and the Intramural Research Program of the NIAID.

Additional authors on the paper are co-first authors Jean Mukherjee and Jacqueline M. Tremblay; and Kwasi Ofori, Karen Baldwin, Xiochuan Feng, all in the Department of Biomedical Sciences, and Daniela Bedenice of the Department of Clinical Sciences at the Cummings School. Clinton E. Leysath, of the NIAID, and Robert P. Webb, Patrick M. Wright, and Leonard A. Smith, all of the United States Army Medical Research Institute for Infectious Diseases, also contributed.

Mukherjee J, Tremblay JM, Leysath CE, Ofori K, Baldwin K, et al. "A Novel Strategy for Development of Recombinant Antitoxin Therapeutics Tested in a Mouse Botulism Model." PLoS ONE 7(1): e29941. Published online January 6, 2012, doi: 10.1371/journal.pone.0029941

About the Cummings School of Veterinary Medicine at Tufts University

Founded in 1978 in North Grafton, Mass., Cummings School of Veterinary Medicine at Tufts University is internationally esteemed for academic programs that impact society and the practice of veterinary medicine; three hospitals and two clinics that combined log more than 80,000 animal cases each year; and groundbreaking research that benefits animal, public, and environmental health.

---

[ | E-mail | Share ]

?

AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.

Public release date: 18-Jun-2012
[ | E-mail | Share ]

Contact: Thomas Keppeler
tom.keppeler@tufts.edu
508-839-7910
Tufts University, Health Sciences Campus

'Beads on a string' approach may reduce cost and development time for agents that neutralize and clear pathogenic molecules

North Grafton, MA, June 14, 2012 -- Researchers have unveiled a novel strategy for neutralizing unwanted molecules and clearing them from the body.

The strategy employs chains of binding agents, like "beads on a string", which target two sites on one or more pathogenic molecules to neutralize their activity and promote their clearance by the body's immune system. The low-cost, easy-to-replicate tool has demonstrated applications against several different toxins, from those found in contaminated food to those used in bioterrorism, and may also prove effective in targeting other types of pathogens.

The research team, based at Tufts University's Cummings School of Veterinary Medicine, demonstrated the method's efficacy in preventing the symptoms of botulism, a rare but deadly disease caused by Clostridium botulinum neurotoxin (BoNT), considered one of the most dangerous bioterror threat agents. The findings were presented earlier this year in PLoS ONE.

"Currently, antitoxins are difficult to produce and have a short shelf life, making them very expensive. This new approach provides a low-cost way to develop highly effective antitoxins," said senior author Charles B. Shoemaker, PhD, professor of biomedical sciences at Tufts University's Cummings School of Veterinary Medicine.

"This method has the potential to target a number of pathogens not only toxins such as BoNT, but viruses or inflammatory cytokines. It is an important platform through which to address other significant diseases," says co-author Saul Tzipori, BVSc., DSc, PhD, professor of biomedical sciences and director of the Division of Infectious Diseases at the Cummings School.

Shoemaker and team had earlier found that pools of small 'tagged' binding agents were highly effective in targeting toxins, neutralizing their function, and flagging them for removal via the body's immune system in the presence of an anti-tag monoclonal antibody.

In the newly published in vivo study, the researchers have advanced this approach by linking two BoNT-binding agents together and including two copies of the tag. The binding agents are small, stable proteins derived genetically from unusual antibodies produced by toxin-immune alpacas. The resulting molecule, called a 'double-tagged heterodimer,' binds to two separate sites on the toxin. Binding of this single heterodimeric agent much more effectively neutralizes the toxin than the unlinked monomer binding agents used in the prior research. In addition, attaching two tags to each of the two linked agents leads to toxin decoration by up to four anti-tag monoclonal antibodies, which promotes rapid toxin clearance from the blood, the researchers found (see figure).

The double-tagged heterodimer antitoxin agent strategy was shown to be efficacious against two types of BoNT in the PLoS ONE report. The antitoxin agents were administered at the time of exposure, or shortly after. Treated mice did not show any symptoms of botulism including the lethal paralysis which characterizes the disease, even when exposed to high toxin doses. Thus, the benefits of complex antitoxins were equaled or bettered by administration of two easy-to-produce agents; a heterodimer binding agent and an anti-tag monoclonal antibody.

According to Shoemaker, a major advantage of this approach is that, unlike treatments that only neutralize toxins, this treatment both neutralizes toxins and ensures their rapid clearance from the body. "Agents that only neutralize their pathogenic target will eventually dissociate which will allow the pathogen to continue doing damage if it is not eliminated," he said.

The group has now successfully taken the research further by building longer strings of binding agents that target multiple toxins with a single moleculefor example, the two types of Shiga toxins that are produced by some E. coli found in contaminated foods or the two toxins produced by hospital-acquired C. difficile infections.

###

The work was funded in part by the National Institute of Allergy and Infectious Diseases (NIAID), National Institutes of Health (NIH), the Department of Health and Human Services, and the Intramural Research Program of the NIAID.

Additional authors on the paper are co-first authors Jean Mukherjee and Jacqueline M. Tremblay; and Kwasi Ofori, Karen Baldwin, Xiochuan Feng, all in the Department of Biomedical Sciences, and Daniela Bedenice of the Department of Clinical Sciences at the Cummings School. Clinton E. Leysath, of the NIAID, and Robert P. Webb, Patrick M. Wright, and Leonard A. Smith, all of the United States Army Medical Research Institute for Infectious Diseases, also contributed.

Mukherjee J, Tremblay JM, Leysath CE, Ofori K, Baldwin K, et al. "A Novel Strategy for Development of Recombinant Antitoxin Therapeutics Tested in a Mouse Botulism Model." PLoS ONE 7(1): e29941. Published online January 6, 2012, doi: 10.1371/journal.pone.0029941

About the Cummings School of Veterinary Medicine at Tufts University

Founded in 1978 in North Grafton, Mass., Cummings School of Veterinary Medicine at Tufts University is internationally esteemed for academic programs that impact society and the practice of veterinary medicine; three hospitals and two clinics that combined log more than 80,000 animal cases each year; and groundbreaking research that benefits animal, public, and environmental health.

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