Suffering stagnant output, and beset by patent expiries and spiralling costs, drug discovery is in poor health. Simon Campbell prescribes a remedy The pharmaceutical industry has made significant contributions to quality of life, longevity and the economy, and is a key component of growth strategy for many countries. However, the industry today is under considerable pressure. The number of new chemical entities has not increased over the past decade and revenues have been eroded as major...

Getting a co-signer on a loan can be a risky endeavor. You will want to count the costs and the risk. The main co-signers are family members. Those are the first to talk to since they co-sign mainly to help out beloved family. If that is not an option, then the next is to find an investor or partner. This usually only works on transactions that are either going to be flipped for profit or leased for income. You will need to create a partnership agreement and spell out the roll for each...

And all that Jazz... Simon Campbell talks life, music and Michael Jackson with one of the new musical sensations of 2003 – jazz diva Amy Winehouse. Think of a jazz singer and what do you see? A chubby guy, wearing black glasses, smoking something, trying to look cool and sounding American? Perhaps. A streetwise girl from London town? Possibly not. Stereotypes mean nothing to Amy Winehouse. Sassy, sexy and sanguine, she is as far from the traditional jazz singer as it is possible to get. Still...

When it comes to mortgages, fixed rate mortgages and adjustable rate mortgages are the two most used types. There isn’t a universal type used by all companies that satisfies either one as they can come in a large variety. That is why it is important to shop around and find out which one will best fit your needs. There is a lot of homework to do, so we will cover the basics and let you know what the market looks like for both right now. Fixed Rate Mortgages Fixed rate mortgages charge an...

When you are looking to sell your home, there are a lot of fees that can be associated with it. Some of these you cannot avoid, some you can and others you can reduce. Today, we are going to look at how to reduce the closing costs on selling a home. Since the lending industry is highly competitive, many of them are willing to offer a reduced closing cost when finalizing the sale. It's similar to buying a car in the way that you can negotiate down from a sticker price when you threaten to go...