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That's why you see them pop-up on every corner of the internet.Because it's very easy to create them you'll see them more and more in the future.Often you can choose the colors (from a template), upload your own logo and add a bit of text.By MARIA INES ZAMUDIOFor The Associated Press CHICAGO (AP) - Suddenly jobless and with small children to support, Jose Victor Camargo without hesitation cashed out a retirement account he had with his former employer.The state Department of Public Health said tests on the opened bag sold last month in Walnut Grove, a suburb of Sacramento, have already confirmed the presence of the botulism toxin.

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"We are always in need, so I used the money," he said in Spanish. We tried to make the money stretch." An Associated Press-NORC Center for Public Affairs Research poll found that older Latinos are more likely than older whites or older blacks to say they've had to withdraw or borrow money from a retirement account - 34 percent for Latinos compared with 24 percent for whites and 25 percent for blacks.

Pay disparity plays a big role in Latinos' ability to save, because their paychecks often barely cover living expenses.

By DAISY NGUYENAssociated Press SAN FRANCISCO (AP) - A deadly botulism outbreak linked to nacho-cheese sauce confiscated from a California gas station appears to be limited to an opened bag of the sauce, state health officials said Thursday.

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